Home > First Security Bank of Roundup > Performance and Condition Ratios
First Security Bank of Roundup, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6813% | 4,287 |
| Cost of funding earning assets | 0.2928% | 4,378 |
| Net interest margin | 3.3885% | 2,427 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 1.9889% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6135% | 847 |
| Return on assets (ROA) | 1.6135% | 816 |
| Pretax return on assets | 1.6135% | 1,210 |
| Return on Equity (ROE) | 19.6600% | 642 |
| Retained earnings to average equity (ytd only) | 12.3361% | 600 |
| Net charge-offs to loans | 0.3439% | 318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 16.2907% | 2,015 |
| Efficiency ratio | 55.2110% | 3,581 |
| Assets per employee ($millions) | 8.7204% | 1,103 |
| Cash dividends to net income (ytd only)* | 37.2591% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3710% | 224 |
| Loan loss allowance to noncurrent loans | 34.7852% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.9483% | 153 |
| Noncurrent loans to loans | 6.8162% | 26 |
| Net loans and leases to total assets | 27.9100% | 4,332 |
| Net loans and leases to deposits | 31.0530% | 4,347 |
| Net loans and leases to core deposits | 31.7097% | 4,380 |
| Total domestic deposits to total assets | 89.8700% | 795 |
| Equity capital to assets | 9.4973% | 2,347 |
| Core capital (leverage) ratio | 11.1300% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2312% | 334 |
| Memoranda: | ||
| Average total assets | $86,832,000 | 3,952 |
| Average earning assets | $81,954,000 | 3,907 |
| Average equity | $7,125,400 | 4,032 |
| Average total loans | $25,006,800 | 4,213 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6159% | 4,293 |
| Cost of funding earning assets | 0.2888% | 4,373 |
| Net interest margin | 3.3271% | 2,627 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 1.9860% | 3,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5663% | 991 |
| Return on assets (ROA) | 1.5663% | 986 |
| Pretax return on assets | 1.5663% | 1,421 |
| Return on Equity (ROE) | 19.8700% | 738 |
| Retained earnings to average equity (ytd only) | 13.5549% | 734 |
| Net charge-offs to loans | 0.3996% | 216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 13.5867% | 2,028 |
| Efficiency ratio | 55.9065% | 3,406 |
| Assets per employee ($millions) | 7.4935% | 1,635 |
| Cash dividends to net income (ytd only)* | 31.7959% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2879% | 259 |
| Loan loss allowance to noncurrent loans | 31.5018% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 2.3184% | 107 |
| Noncurrent loans to loans | 7.2628% | 24 |
| Net loans and leases to total assets | 31.1900% | 4,293 |
| Net loans and leases to deposits | 34.4541% | 4,325 |
| Net loans and leases to core deposits | 35.2192% | 4,337 |
| Total domestic deposits to total assets | 90.5300% | 795 |
| Equity capital to assets | 8.6682% | 2,616 |
| Core capital (leverage) ratio | 11.0489% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4707% | 367 |
| Memoranda: | ||
| Average total assets | $86,739,000 | 3,965 |
| Average earning assets | $81,710,750 | 3,928 |
| Average equity | $6,836,250 | 4,064 |
| Average total loans | $25,027,000 | 4,228 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4970% | 4,350 |
| Cost of funding earning assets | 0.2826% | 4,339 |
| Net interest margin | 3.2145% | 2,950 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.9529% | 3,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4698% | 1,167 |
| Return on assets (ROA) | 1.4698% | 1,153 |
| Pretax return on assets | 1.4698% | 1,652 |
| Return on Equity (ROE) | 19.2500% | 800 |
| Retained earnings to average equity (ytd only) | 12.8317% | 834 |
| Net charge-offs to loans | 0.2927% | 290 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,773 |
| Efficiency ratio | 57.0577% | 3,298 |
| Assets per employee ($millions) | 8.5718% | 1,062 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5020% | 222 |
| Loan loss allowance to noncurrent loans | 32.1949% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 2.3227% | 110 |
| Noncurrent loans to loans | 7.7716% | 21 |
| Net loans and leases to total assets | 29.1400% | 4,346 |
| Net loans and leases to deposits | 31.9968% | 4,373 |
| Net loans and leases to core deposits | 32.9865% | 4,374 |
| Total domestic deposits to total assets | 91.0700% | 627 |
| Equity capital to assets | 8.1663% | 3,105 |
| Core capital (leverage) ratio | 10.6043% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8439% | 392 |
| Memoranda: | ||
| Average total assets | $88,176,000 | 3,959 |
| Average earning assets | $82,813,333 | 3,924 |
| Average equity | $6,733,333 | 4,101 |
| Average total loans | $24,598,667 | 4,250 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5227% | 4,239 |
| Cost of funding earning assets | 0.2396% | 4,309 |
| Net interest margin | 3.2831% | 2,923 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.8165% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6733% | 863 |
| Return on assets (ROA) | 1.6733% | 861 |
| Pretax return on assets | 1.6733% | 1,332 |
| Return on Equity (ROE) | 22.6700% | 533 |
| Retained earnings to average equity (ytd only) | 16.1212% | 681 |
| Net charge-offs to loans | 0.6144% | 131 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 10.1081% | 1,669 |
| Efficiency ratio | 52.0513% | 3,775 |
| Assets per employee ($millions) | 8.7232% | 1,040 |
| Cash dividends to net income (ytd only)* | 28.8770% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6586% | 188 |
| Loan loss allowance to noncurrent loans | 39.8010% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.8434% | 146 |
| Noncurrent loans to loans | 6.6797% | 34 |
| Net loans and leases to total assets | 26.8600% | 4,428 |
| Net loans and leases to deposits | 29.4458% | 4,455 |
| Net loans and leases to core deposits | 30.7383% | 4,452 |
| Total domestic deposits to total assets | 91.2300% | 724 |
| Equity capital to assets | 8.0406% | 3,213 |
| Core capital (leverage) ratio | 10.0109% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1342% | 390 |
| Memoranda: | ||
| Average total assets | $89,405,000 | 4,000 |
| Average earning assets | $83,458,500 | 3,974 |
| Average equity | $6,600,000 | 4,174 |
| Average total loans | $24,088,500 | 4,325 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9712% | 4,167 |
| Cost of funding earning assets | 0.1500% | 4,122 |
| Net interest margin | 2.8212% | 3,846 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.8364% | 3,958 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0315% | 2,451 |
| Return on assets (ROA) | 1.0315% | 2,389 |
| Pretax return on assets | 1.0315% | 2,972 |
| Return on Equity (ROE) | 13.4600% | 1,664 |
| Retained earnings to average equity (ytd only) | 6.6462% | 2,387 |
| Net charge-offs to loans | 0.1704% | 488 |
| Credit loss provision to net charge-offs | 104.6512% | 1,526 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,850 |
| Efficiency ratio | 62.9020% | 2,641 |
| Assets per employee ($millions) | 9.1578% | 867 |
| Cash dividends to net income (ytd only)* | 50.6104% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8087% | 148 |
| Loan loss allowance to noncurrent loans | 45.2238% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.6347% | 178 |
| Noncurrent loans to loans | 6.2106% | 39 |
| Net loans and leases to total assets | 25.5800% | 4,484 |
| Net loans and leases to deposits | 29.0413% | 4,489 |
| Net loans and leases to core deposits | 30.1494% | 4,484 |
| Total domestic deposits to total assets | 88.0900% | 2,043 |
| Equity capital to assets | 6.7549% | 3,787 |
| Core capital (leverage) ratio | 9.8565% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8911% | 426 |
| Memoranda: | ||
| Average total assets | $87,344,400 | 4,044 |
| Average earning assets | $79,328,200 | 4,043 |
| Average equity | $6,695,600 | 4,248 |
| Average total loans | $25,235,800 | 4,322 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8681% | 4,098 |
| Cost of funding earning assets | 0.1310% | 4,024 |
| Net interest margin | 2.7371% | 3,860 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.8991% | 3,752 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8885% | 2,919 |
| Return on assets (ROA) | 0.8885% | 2,892 |
| Pretax return on assets | 0.8885% | 3,348 |
| Return on Equity (ROE) | 11.2400% | 2,288 |
| Retained earnings to average equity (ytd only) | 4.2991% | 3,348 |
| Net charge-offs to loans | 0.3396% | 190 |
| Credit loss provision to net charge-offs | 53.8462% | 1,515 |
| Earnings coverage of net charge-offs (x) | 9.3846% | 2,023 |
| Efficiency ratio | 66.8298% | 2,178 |
| Assets per employee ($millions) | 8.7061% | 990 |
| Cash dividends to net income (ytd only)* | 61.7391% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4649% | 242 |
| Loan loss allowance to noncurrent loans | 41.5325% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.8148% | 157 |
| Noncurrent loans to loans | 5.9350% | 39 |
| Net loans and leases to total assets | 29.3200% | 4,440 |
| Net loans and leases to deposits | 32.2847% | 4,458 |
| Net loans and leases to core deposits | 33.5427% | 4,454 |
| Total domestic deposits to total assets | 90.8000% | 1,318 |
| Equity capital to assets | 6.3002% | 3,843 |
| Core capital (leverage) ratio | 9.7307% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9110% | 493 |
| Memoranda: | ||
| Average total assets | $86,286,000 | 4,083 |
| Average earning assets | $78,378,750 | 4,081 |
| Average equity | $6,823,000 | 4,281 |
| Average total loans | $25,518,750 | 4,348 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7476% | 4,068 |
| Cost of funding earning assets | 0.1115% | 4,063 |
| Net interest margin | 2.6361% | 3,837 |
| Noninterest income to average assets | 0.3557% | 3,024 |
| Noninterest expense to average assets | 1.8668% | 3,788 |
| Loan and lease loss provision to assets | 0.0465% | 1,735 |
| Net operating income to assets | 0.8067% | 2,930 |
| Return on assets (ROA) | 0.8067% | 2,900 |
| Pretax return on assets | 0.8067% | 3,305 |
| Return on Equity (ROE) | 9.5474% | 2,511 |
| Retained earnings to average equity (ytd only) | 2.5588% | 3,600 |
| Net charge-offs to loans | 0.5138% | 127 |
| Credit loss provision to net charge-offs | 30.7692% | 1,568 |
| Earnings coverage of net charge-offs (x) | 5.6462% | 1,924 |
| Efficiency ratio | 68.6325% | 2,152 |
| Assets per employee ($millions) | 9.5862% | 736 |
| Cash dividends to net income (ytd only)* | 73.1988% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3634% | 301 |
| Loan loss allowance to noncurrent loans | 23.4550% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 3.1446% | 52 |
| Noncurrent loans to loans | 10.0765% | 14 |
| Net loans and leases to total assets | 30.1660% | 4,456 |
| Net loans and leases to deposits | 33.6349% | 4,457 |
| Net loans and leases to core deposits | 34.9746% | 4,463 |
| Total domestic deposits to total assets | 89.6866% | 1,850 |
| Equity capital to assets | 7.3497% | 3,565 |
| Core capital (leverage) ratio | 9.8747% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6176% | 496 |
| Memoranda: | ||
| Average total assets | $86,027,667 | 4,130 |
| Average earning assets | $77,158,000 | 4,155 |
| Average equity | $7,269,000 | 4,284 |
| Average total loans | $25,302,667 | 4,406 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7102% | 3,933 |
| Cost of funding earning assets | 0.1044% | 4,074 |
| Net interest margin | 2.6057% | 3,645 |
| Noninterest income to average assets | 0.3679% | 2,888 |
| Noninterest expense to average assets | 1.9371% | 3,579 |
| Loan and lease loss provision to assets | 0.0931% | 887 |
| Net operating income to assets | 0.6612% | 3,192 |
| Return on assets (ROA) | 0.6612% | 3,172 |
| Pretax return on assets | 0.6612% | 3,494 |
| Return on Equity (ROE) | 7.3451% | 2,931 |
| Retained earnings to average equity (ytd only) | -0.5690% | 4,089 |
| Net charge-offs to loans | 0.8771% | 80 |
| Credit loss provision to net charge-offs | 37.0370% | 1,238 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 1,683 |
| Efficiency ratio | 71.9723% | 1,975 |
| Assets per employee ($millions) | 9.2821% | 833 |
| Cash dividends to net income (ytd only)* | 107.7465% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5394% | 273 |
| Loan loss allowance to noncurrent loans | 21.2252% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 3.6474% | 43 |
| Noncurrent loans to loans | 11.9642% | 11 |
| Net loans and leases to total assets | 29.4485% | 4,460 |
| Net loans and leases to deposits | 33.1420% | 4,460 |
| Net loans and leases to core deposits | 34.5200% | 4,470 |
| Total domestic deposits to total assets | 88.8555% | 2,147 |
| Equity capital to assets | 8.1052% | 3,492 |
| Core capital (leverage) ratio | 9.7477% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4229% | 465 |
| Memoranda: | ||
| Average total assets | $85,903,500 | 4,146 |
| Average earning assets | $76,600,000 | 4,179 |
| Average equity | $7,733,000 | 4,292 |
| Average total loans | $24,626,000 | 4,432 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5280% | 2,581 |
| Cost of funding earning assets | 0.1371% | 4,090 |
| Net interest margin | 3.3909% | 2,059 |
| Noninterest income to average assets | 0.3636% | 3,252 |
| Noninterest expense to average assets | 1.9188% | 3,882 |
| Loan and lease loss provision to assets | 0.0676% | 1,720 |
| Net operating income to assets | 1.3242% | 1,535 |
| Return on assets (ROA) | 1.3242% | 1,577 |
| Pretax return on assets | 1.3242% | 2,284 |
| Return on Equity (ROE) | 12.5943% | 1,609 |
| Retained earnings to average equity (ytd only) | 5.4443% | 2,596 |
| Net charge-offs to loans | 0.0827% | 977 |
| Credit loss provision to net charge-offs | 239.1304% | 1,196 |
| Earnings coverage of net charge-offs (x) | 49.2609% | 1,305 |
| Efficiency ratio | 57.9592% | 3,454 |
| Assets per employee ($millions) | 8.8268% | 976 |
| Cash dividends to net income (ytd only)* | 56.7718% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8113% | 184 |
| Loan loss allowance to noncurrent loans | 52.8583% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.4467% | 299 |
| Noncurrent loans to loans | 5.3186% | 66 |
| Net loans and leases to total assets | 26.4365% | 4,616 |
| Net loans and leases to deposits | 30.4217% | 4,616 |
| Net loans and leases to core deposits | 31.6441% | 4,612 |
| Total domestic deposits to total assets | 86.9001% | 2,562 |
| Equity capital to assets | 9.8507% | 2,797 |
| Core capital (leverage) ratio | 10.0203% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9653% | 446 |
| Memoranda: | ||
| Average total assets | $81,406,200 | 4,193 |
| Average earning assets | $70,748,800 | 4,252 |
| Average equity | $8,559,400 | 4,286 |
| Average total loans | $27,810,000 | 4,417 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 2,334 |
| Cost of funding earning assets | 0.1459% | 4,149 |
| Net interest margin | 3.5332% | 1,777 |
| Noninterest income to average assets | 0.3530% | 3,340 |
| Noninterest expense to average assets | 1.9993% | 3,674 |
| Loan and lease loss provision to assets | 0.0414% | 2,166 |
| Net operating income to assets | 1.3920% | 1,571 |
| Return on assets (ROA) | 1.3920% | 1,632 |
| Pretax return on assets | 1.3920% | 2,372 |
| Return on Equity (ROE) | 13.0116% | 1,687 |
| Retained earnings to average equity (ytd only) | 5.8333% | 2,904 |
| Net charge-offs to loans | 0.1066% | 711 |
| Credit loss provision to net charge-offs | 108.6957% | 1,526 |
| Earnings coverage of net charge-offs (x) | 37.2609% | 1,413 |
| Efficiency ratio | 58.2359% | 3,229 |
| Assets per employee ($millions) | 7.9658% | 1,287 |
| Cash dividends to net income (ytd only)* | 55.1683% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4236% | 320 |
| Loan loss allowance to noncurrent loans | 35.7143% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 2.2672% | 149 |
| Noncurrent loans to loans | 6.7862% | 43 |
| Net loans and leases to total assets | 32.5994% | 4,522 |
| Net loans and leases to deposits | 37.0474% | 4,544 |
| Net loans and leases to core deposits | 38.7103% | 4,552 |
| Total domestic deposits to total assets | 87.9937% | 1,849 |
| Equity capital to assets | 10.7911% | 2,173 |
| Core capital (leverage) ratio | 10.4342% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1032% | 482 |
| Memoranda: | ||
| Average total assets | $79,690,750 | 4,275 |
| Average earning assets | $69,472,750 | 4,320 |
| Average equity | $8,525,500 | 4,348 |
| Average total loans | $28,760,000 | 4,458 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3867% | 3,214 |
| Cost of funding earning assets | 0.1508% | 4,199 |
| Net interest margin | 3.2358% | 2,651 |
| Noninterest income to average assets | 0.3438% | 3,388 |
| Noninterest expense to average assets | 1.9322% | 3,886 |
| Loan and lease loss provision to assets | 0.0125% | 2,699 |
| Net operating income to assets | 1.2522% | 2,015 |
| Return on assets (ROA) | 1.2522% | 2,081 |
| Pretax return on assets | 1.2522% | 2,761 |
| Return on Equity (ROE) | 11.7384% | 2,152 |
| Retained earnings to average equity (ytd only) | 4.5401% | 3,347 |
| Net charge-offs to loans | 0.1628% | 516 |
| Credit loss provision to net charge-offs | 20.8333% | 1,729 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,516 |
| Efficiency ratio | 60.4396% | 2,950 |
| Assets per employee ($millions) | 8.3187% | 1,073 |
| Cash dividends to net income (ytd only)* | 61.3226% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0830% | 520 |
| Loan loss allowance to noncurrent loans | 38.7819% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.9342% | 226 |
| Noncurrent loans to loans | 5.3710% | 73 |
| Net loans and leases to total assets | 35.2615% | 4,484 |
| Net loans and leases to deposits | 39.8606% | 4,526 |
| Net loans and leases to core deposits | 41.5611% | 4,533 |
| Total domestic deposits to total assets | 88.4621% | 1,586 |
| Equity capital to assets | 10.1795% | 2,693 |
| Core capital (leverage) ratio | 10.1813% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4793% | 575 |
| Memoranda: | ||
| Average total assets | $79,701,667 | 4,294 |
| Average earning assets | $70,275,667 | 4,336 |
| Average equity | $8,502,000 | 4,370 |
| Average total loans | $29,475,667 | 4,476 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5023% | 2,921 |
| Cost of funding earning assets | 0.1682% | 4,180 |
| Net interest margin | 3.3342% | 2,287 |
| Noninterest income to average assets | 0.3386% | 3,408 |
| Noninterest expense to average assets | 1.9497% | 3,859 |
| Loan and lease loss provision to assets | 0.0257% | 2,447 |
| Net operating income to assets | 1.3135% | 1,785 |
| Return on assets (ROA) | 1.3135% | 1,866 |
| Pretax return on assets | 1.3135% | 2,528 |
| Return on Equity (ROE) | 12.0202% | 2,007 |
| Retained earnings to average equity (ytd only) | 4.8362% | 3,279 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2824% | 3,116 |
| Assets per employee ($millions) | 8.9519% | 851 |
| Cash dividends to net income (ytd only)* | 59.7656% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1865% | 431 |
| Loan loss allowance to noncurrent loans | 23.3345% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 3.4468% | 77 |
| Noncurrent loans to loans | 9.3704% | 25 |
| Net loans and leases to total assets | 35.9800% | 4,503 |
| Net loans and leases to deposits | 40.8333% | 4,536 |
| Net loans and leases to core deposits | 42.6401% | 4,544 |
| Total domestic deposits to total assets | 88.1142% | 1,783 |
| Equity capital to assets | 10.5080% | 2,268 |
| Core capital (leverage) ratio | 10.3823% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6586% | 612 |
| Memoranda: | ||
| Average total assets | $77,959,000 | 4,337 |
| Average earning assets | $68,983,000 | 4,372 |
| Average equity | $8,519,000 | 4,386 |
| Average total loans | $29,235,000 | 4,508 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 1,969 |
| Cost of funding earning assets | 0.2159% | 4,525 |
| Net interest margin | 4.0494% | 879 |
| Noninterest income to average assets | 0.3750% | 3,240 |
| Noninterest expense to average assets | 2.1798% | 3,720 |
| Loan and lease loss provision to assets | 0.0463% | 3,816 |
| Net operating income to assets | 1.7571% | 428 |
| Return on assets (ROA) | 1.7585% | 466 |
| Pretax return on assets | 1.7585% | 750 |
| Return on Equity (ROE) | 15.2071% | 606 |
| Retained earnings to average equity (ytd only) | 7.7736% | 1,124 |
| Net charge-offs to loans | -0.0929% | 4,800 |
| Credit loss provision to net charge-offs | -113.7931% | 3,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7250% | 4,123 |
| Assets per employee ($millions) | 7.5351% | 1,256 |
| Cash dividends to net income (ytd only)* | 48.8818% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2300% | 382 |
| Loan loss allowance to noncurrent loans | 67.7555% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.2594% | 652 |
| Noncurrent loans to loans | 3.2913% | 238 |
| Net loans and leases to total assets | 37.4129% | 4,551 |
| Net loans and leases to deposits | 42.8272% | 4,563 |
| Net loans and leases to core deposits | 44.8787% | 4,576 |
| Total domestic deposits to total assets | 87.3578% | 1,762 |
| Equity capital to assets | 11.3761% | 1,971 |
| Core capital (leverage) ratio | 10.9875% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2576% | 561 |
| Memoranda: | ||
| Average total assets | $71,198,200 | 4,364 |
| Average earning assets | $63,440,800 | 4,396 |
| Average equity | $8,233,000 | 4,397 |
| Average total loans | $31,208,400 | 4,494 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3241% | 2,031 |
| Cost of funding earning assets | 0.2283% | 4,576 |
| Net interest margin | 4.0958% | 906 |
| Noninterest income to average assets | 0.3649% | 3,274 |
| Noninterest expense to average assets | 2.1740% | 3,742 |
| Loan and lease loss provision to assets | 0.0342% | 3,911 |
| Net operating income to assets | 1.8396% | 415 |
| Return on assets (ROA) | 1.8415% | 456 |
| Pretax return on assets | 1.8415% | 723 |
| Return on Equity (ROE) | 15.8558% | 563 |
| Retained earnings to average equity (ytd only) | 8.3451% | 1,197 |
| Net charge-offs to loans | -0.1174% | 4,846 |
| Credit loss provision to net charge-offs | -64.2857% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7089% | 4,181 |
| Assets per employee ($millions) | 7.2448% | 1,357 |
| Cash dividends to net income (ytd only)* | 47.3684% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8848% | 607 |
| Loan loss allowance to noncurrent loans | 55.3398% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.5639% | 534 |
| Noncurrent loans to loans | 3.4058% | 243 |
| Net loans and leases to total assets | 45.0530% | 4,368 |
| Net loans and leases to deposits | 51.9538% | 4,412 |
| Net loans and leases to core deposits | 54.5655% | 4,429 |
| Total domestic deposits to total assets | 86.7174% | 1,766 |
| Equity capital to assets | 11.7188% | 1,864 |
| Core capital (leverage) ratio | 10.9836% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3094% | 754 |
| Memoranda: | ||
| Average total assets | $70,160,000 | 4,388 |
| Average earning assets | $63,086,750 | 4,413 |
| Average equity | $8,148,250 | 4,423 |
| Average total loans | $31,802,000 | 4,510 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 1,776 |
| Cost of funding earning assets | 0.2363% | 4,663 |
| Net interest margin | 4.3172% | 723 |
| Noninterest income to average assets | 0.3574% | 3,337 |
| Noninterest expense to average assets | 2.1960% | 3,799 |
| Loan and lease loss provision to assets | 0.0259% | 3,932 |
| Net operating income to assets | 2.0837% | 274 |
| Return on assets (ROA) | 2.0837% | 310 |
| Pretax return on assets | 2.0837% | 461 |
| Return on Equity (ROE) | 17.9978% | 366 |
| Retained earnings to average equity (ytd only) | 10.3805% | 716 |
| Net charge-offs to loans | -0.1724% | 4,923 |
| Credit loss provision to net charge-offs | -33.3333% | 3,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0040% | 4,439 |
| Assets per employee ($millions) | 7.4397% | 1,206 |
| Cash dividends to net income (ytd only)* | 42.3237% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 585 |
| Loan loss allowance to noncurrent loans | 75.3358% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.1009% | 1,039 |
| Noncurrent loans to loans | 2.4646% | 481 |
| Net loans and leases to total assets | 43.8364% | 4,456 |
| Net loans and leases to deposits | 50.2248% | 4,521 |
| Net loans and leases to core deposits | 52.6619% | 4,539 |
| Total domestic deposits to total assets | 87.2804% | 1,506 |
| Equity capital to assets | 11.1873% | 2,187 |
| Core capital (leverage) ratio | 10.8094% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9327% | 779 |
| Memoranda: | ||
| Average total assets | $69,397,333 | 4,407 |
| Average earning assets | $63,467,333 | 4,416 |
| Average equity | $8,034,333 | 4,451 |
| Average total loans | $31,313,667 | 4,538 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3544% | 2,761 |
| Cost of funding earning assets | 0.2614% | 4,745 |
| Net interest margin | 4.0930% | 1,149 |
| Noninterest income to average assets | 0.3647% | 3,329 |
| Noninterest expense to average assets | 2.2841% | 3,804 |
| Loan and lease loss provision to assets | 0.0299% | 3,404 |
| Net operating income to assets | 1.8895% | 342 |
| Return on assets (ROA) | 1.8895% | 376 |
| Pretax return on assets | 1.8895% | 580 |
| Return on Equity (ROE) | 16.0203% | 419 |
| Retained earnings to average equity (ytd only) | 8.2636% | 1,151 |
| Net charge-offs to loans | -0.3031% | 4,980 |
| Credit loss provision to net charge-offs | -21.7391% | 3,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3385% | 4,376 |
| Assets per employee ($millions) | 6.7058% | 1,225 |
| Cash dividends to net income (ytd only)* | 48.4177% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0281% | 478 |
| Loan loss allowance to noncurrent loans | 52.1851% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.7403% | 547 |
| Noncurrent loans to loans | 3.8864% | 205 |
| Net loans and leases to total assets | 43.8710% | 4,511 |
| Net loans and leases to deposits | 50.6055% | 4,573 |
| Net loans and leases to core deposits | 52.8833% | 4,602 |
| Total domestic deposits to total assets | 86.6921% | 1,695 |
| Equity capital to assets | 12.0418% | 2,036 |
| Core capital (leverage) ratio | 11.5033% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3590% | 714 |
| Memoranda: | ||
| Average total assets | $66,897,500 | 4,454 |
| Average earning assets | $62,741,000 | 4,438 |
| Average equity | $7,890,000 | 4,494 |
| Average total loans | $30,355,500 | 4,584 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 2,663 |
| Cost of funding earning assets | 0.2600% | 4,826 |
| Net interest margin | 4.3277% | 1,036 |
| Noninterest income to average assets | 0.4121% | 3,218 |
| Noninterest expense to average assets | 2.3224% | 3,890 |
| Loan and lease loss provision to assets | 0.2805% | 622 |
| Net operating income to assets | 1.8789% | 452 |
| Return on assets (ROA) | 1.8789% | 471 |
| Pretax return on assets | 1.8789% | 781 |
| Return on Equity (ROE) | 16.1992% | 516 |
| Retained earnings to average equity (ytd only) | 7.0796% | 1,365 |
| Net charge-offs to loans | 0.3241% | 641 |
| Credit loss provision to net charge-offs | 180.8081% | 1,449 |
| Earnings coverage of net charge-offs (x) | 13.9192% | 2,317 |
| Efficiency ratio | 51.8182% | 4,618 |
| Assets per employee ($millions) | 7.4152% | 891 |
| Cash dividends to net income (ytd only)* | 56.2969% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8968% | 557 |
| Loan loss allowance to noncurrent loans | 60.7516% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.4355% | 721 |
| Noncurrent loans to loans | 3.1223% | 288 |
| Net loans and leases to total assets | 45.1039% | 4,555 |
| Net loans and leases to deposits | 51.7217% | 4,610 |
| Net loans and leases to core deposits | 54.0471% | 4,648 |
| Total domestic deposits to total assets | 87.2050% | 1,519 |
| Equity capital to assets | 11.5453% | 2,490 |
| Core capital (leverage) ratio | 11.5331% | 2,085 |
| Tier 1 risk-based capital ratio | 19.4007% | 1,437 |
| Total risk-based capital ratio | 20.6547% | 1,400 |
| Memoranda: | ||
| Average total assets | $63,813,200 | 4,531 |
| Average earning assets | $60,008,800 | 4,510 |
| Average equity | $7,401,600 | 4,588 |
| Average total loans | $30,542,800 | 4,630 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7496% | 2,270 |
| Cost of funding earning assets | 0.2600% | 4,900 |
| Net interest margin | 4.4896% | 785 |
| Noninterest income to average assets | 0.4121% | 3,243 |
| Noninterest expense to average assets | 2.3778% | 3,749 |
| Loan and lease loss provision to assets | 0.0592% | 2,707 |
| Net operating income to assets | 2.2087% | 271 |
| Return on assets (ROA) | 2.2066% | 281 |
| Pretax return on assets | 2.2066% | 449 |
| Return on Equity (ROE) | 19.0011% | 311 |
| Retained earnings to average equity (ytd only) | 10.6471% | 593 |
| Net charge-offs to loans | 0.3890% | 428 |
| Credit loss provision to net charge-offs | 31.4607% | 2,907 |
| Earnings coverage of net charge-offs (x) | 12.0565% | 2,390 |
| Efficiency ratio | 51.1829% | 4,660 |
| Assets per employee ($millions) | 6.8643% | 1,085 |
| Cash dividends to net income (ytd only)* | 43.9650% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 1,620 |
| Loan loss allowance to noncurrent loans | 40.7785% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.7465% | 574 |
| Noncurrent loans to loans | 3.4089% | 248 |
| Net loans and leases to total assets | 50.5220% | 4,397 |
| Net loans and leases to deposits | 58.8062% | 4,439 |
| Net loans and leases to core deposits | 61.7179% | 4,466 |
| Total domestic deposits to total assets | 85.9127% | 2,031 |
| Equity capital to assets | 12.5447% | 1,883 |
| Core capital (leverage) ratio | 12.0396% | 1,821 |
| Tier 1 risk-based capital ratio | 19.4468% | 1,470 |
| Total risk-based capital ratio | 20.6015% | 1,460 |
| Memoranda: | ||
| Average total assets | $63,082,250 | 4,598 |
| Average earning assets | $59,484,750 | 4,581 |
| Average equity | $7,325,750 | 4,652 |
| Average total loans | $30,507,750 | 4,690 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7129% | 2,323 |
| Cost of funding earning assets | 0.2563% | 4,938 |
| Net interest margin | 4.4566% | 839 |
| Noninterest income to average assets | 0.4125% | 3,188 |
| Noninterest expense to average assets | 2.3679% | 3,823 |
| Loan and lease loss provision to assets | 0.0409% | 2,993 |
| Net operating income to assets | 2.2199% | 253 |
| Return on assets (ROA) | 2.2167% | 266 |
| Pretax return on assets | 2.2167% | 427 |
| Return on Equity (ROE) | 19.5982% | 278 |
| Retained earnings to average equity (ytd only) | 11.0797% | 536 |
| Net charge-offs to loans | -0.0133% | 4,411 |
| Credit loss provision to net charge-offs | -650.0000% | 4,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1565% | 4,714 |
| Assets per employee ($millions) | 7.1242% | 943 |
| Cash dividends to net income (ytd only)* | 43.4659% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 929 |
| Loan loss allowance to noncurrent loans | 46.7815% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.7203% | 610 |
| Noncurrent loans to loans | 3.5240% | 235 |
| Net loans and leases to total assets | 48.0115% | 4,571 |
| Net loans and leases to deposits | 55.3152% | 4,623 |
| Net loans and leases to core deposits | 58.2060% | 4,634 |
| Total domestic deposits to total assets | 86.7962% | 1,685 |
| Equity capital to assets | 11.7689% | 2,368 |
| Core capital (leverage) ratio | 11.6429% | 2,065 |
| Tier 1 risk-based capital ratio | 18.9346% | 1,569 |
| Total risk-based capital ratio | 20.2873% | 1,511 |
| Memoranda: | ||
| Average total assets | $63,516,670 | 4,629 |
| Average earning assets | $60,090,000 | 4,605 |
| Average equity | $7,184,330 | 4,700 |
| Average total loans | $30,126,330 | 4,731 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6648% | 2,334 |
| Cost of funding earning assets | 0.2342% | 5,029 |
| Net interest margin | 4.4306% | 843 |
| Noninterest income to average assets | 0.3923% | 3,234 |
| Noninterest expense to average assets | 2.3285% | 3,951 |
| Loan and lease loss provision to assets | 0.0190% | 3,201 |
| Net operating income to assets | 2.2336% | 260 |
| Return on assets (ROA) | 2.2399% | 264 |
| Pretax return on assets | 2.2399% | 408 |
| Return on Equity (ROE) | 20.2185% | 253 |
| Retained earnings to average equity (ytd only) | 11.4800% | 707 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8287% | 4,772 |
| Assets per employee ($millions) | 6.9676% | 1,013 |
| Cash dividends to net income (ytd only)* | 43.2203% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7110% | 839 |
| Loan loss allowance to noncurrent loans | 31.5394% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 2.5483% | 297 |
| Noncurrent loans to loans | 5.4250% | 96 |
| Net loans and leases to total assets | 46.1695% | 4,665 |
| Net loans and leases to deposits | 53.4288% | 4,696 |
| Net loans and leases to core deposits | 54.8001% | 4,754 |
| Total domestic deposits to total assets | 86.4132% | 2,105 |
| Equity capital to assets | 11.4642% | 2,429 |
| Core capital (leverage) ratio | 11.3000% | 2,288 |
| Tier 1 risk-based capital ratio | 19.3922% | 1,465 |
| Total risk-based capital ratio | 20.7833% | 1,407 |
| Memoranda: | ||
| Average total assets | $63,216,000 | 4,685 |
| Average earning assets | $59,766,500 | 4,654 |
| Average equity | $7,003,500 | 4,755 |
| Average total loans | $29,539,500 | 4,798 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 1,243 |
| Cost of funding earning assets | 0.2099% | 4,966 |
| Net interest margin | 4.7046% | 484 |
| Noninterest income to average assets | 0.4670% | 3,013 |
| Noninterest expense to average assets | 2.5125% | 3,578 |
| Loan and lease loss provision to assets | 0.1499% | 1,416 |
| Net operating income to assets | 2.0541% | 317 |
| Return on assets (ROA) | 2.0541% | 317 |
| Pretax return on assets | 2.0541% | 490 |
| Return on Equity (ROE) | 18.5151% | 345 |
| Retained earnings to average equity (ytd only) | 8.0460% | 1,214 |
| Net charge-offs to loans | 0.0474% | 2,489 |
| Credit loss provision to net charge-offs | 621.4286% | 555 |
| Earnings coverage of net charge-offs (x) | 91.3571% | 786 |
| Efficiency ratio | 53.2700% | 4,686 |
| Assets per employee ($millions) | 7.0804% | 942 |
| Cash dividends to net income (ytd only)* | 56.5436% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 854 |
| Loan loss allowance to noncurrent loans | 56.7537% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.3825% | 895 |
| Noncurrent loans to loans | 2.9740% | 344 |
| Net loans and leases to total assets | 45.7018% | 4,749 |
| Net loans and leases to deposits | 52.0007% | 4,824 |
| Net loans and leases to core deposits | 53.2910% | 4,868 |
| Total domestic deposits to total assets | 87.8868% | 1,351 |
| Equity capital to assets | 10.6993% | 2,987 |
| Core capital (leverage) ratio | 10.9653% | 2,558 |
| Tier 1 risk-based capital ratio | 18.7335% | 1,564 |
| Total risk-based capital ratio | 20.1060% | 1,509 |
| Memoranda: | ||
| Average total assets | $58,029,800 | 4,801 |
| Average earning assets | $52,417,200 | 4,807 |
| Average equity | $6,438,000 | 4,837 |
| Average total loans | $29,560,000 | 4,827 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9301% | 1,093 |
| Cost of funding earning assets | 0.2112% | 4,979 |
| Net interest margin | 4.7189% | 451 |
| Noninterest income to average assets | 0.4734% | 3,023 |
| Noninterest expense to average assets | 2.6404% | 3,155 |
| Loan and lease loss provision to assets | 0.0283% | 3,443 |
| Net operating income to assets | 2.0139% | 364 |
| Return on assets (ROA) | 2.0139% | 361 |
| Pretax return on assets | 2.0139% | 599 |
| Return on Equity (ROE) | 17.9721% | 429 |
| Retained earnings to average equity (ytd only) | 7.5882% | 1,855 |
| Net charge-offs to loans | 0.0045% | 3,289 |
| Credit loss provision to net charge-offs | 1,200.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 869.1504% | 99 |
| Efficiency ratio | 56.3883% | 4,329 |
| Assets per employee ($millions) | 6.6958% | 1,091 |
| Cash dividends to net income (ytd only)* | 57.7778% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 1,700 |
| Loan loss allowance to noncurrent loans | 125.8621% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 2,451 |
| Noncurrent loans to loans | 1.1122% | 1,530 |
| Net loans and leases to total assets | 51.1931% | 4,519 |
| Net loans and leases to deposits | 58.4590% | 4,626 |
| Net loans and leases to core deposits | 60.9491% | 4,667 |
| Total domestic deposits to total assets | 87.5709% | 1,453 |
| Equity capital to assets | 10.7829% | 2,859 |
| Core capital (leverage) ratio | 11.1185% | 2,478 |
| Tier 1 risk-based capital ratio | 17.8669% | 1,826 |
| Total risk-based capital ratio | 19.0403% | 1,807 |
| Memoranda: | ||
| Average total assets | $56,606,250 | 4,874 |
| Average earning assets | $50,491,250 | 4,896 |
| Average equity | $6,343,000 | 4,900 |
| Average total loans | $29,544,250 | 4,884 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8751% | 1,071 |
| Cost of funding earning assets | 0.2107% | 4,972 |
| Net interest margin | 4.6644% | 483 |
| Noninterest income to average assets | 0.4911% | 2,907 |
| Noninterest expense to average assets | 2.7010% | 3,015 |
| Loan and lease loss provision to assets | 0.0433% | 3,029 |
| Net operating income to assets | 1.8235% | 553 |
| Return on assets (ROA) | 1.8235% | 556 |
| Pretax return on assets | 1.8235% | 910 |
| Return on Equity (ROE) | 16.0538% | 662 |
| Retained earnings to average equity (ytd only) | 5.2135% | 2,970 |
| Net charge-offs to loans | 0.0069% | 2,886 |
| Credit loss provision to net charge-offs | 1,200.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 517.0000% | 173 |
| Efficiency ratio | 59.1304% | 4,065 |
| Assets per employee ($millions) | 6.5250% | 1,169 |
| Cash dividends to net income (ytd only)* | 67.5248% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,617 |
| Loan loss allowance to noncurrent loans | 46.8951% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.5905% | 810 |
| Noncurrent loans to loans | 3.0609% | 365 |
| Net loans and leases to total assets | 51.2150% | 4,525 |
| Net loans and leases to deposits | 58.5250% | 4,609 |
| Net loans and leases to core deposits | 60.0235% | 4,706 |
| Total domestic deposits to total assets | 87.5096% | 1,641 |
| Equity capital to assets | 10.8165% | 2,820 |
| Core capital (leverage) ratio | 12.0350% | 1,691 |
| Tier 1 risk-based capital ratio | 17.9163% | 1,820 |
| Total risk-based capital ratio | 19.1290% | 1,796 |
| Memoranda: | ||
| Average total assets | $55,387,670 | 4,954 |
| Average earning assets | $48,409,000 | 4,995 |
| Average equity | $6,291,330 | 4,956 |
| Average total loans | $28,963,000 | 4,950 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 1,084 |
| Cost of funding earning assets | 0.2000% | 5,017 |
| Net interest margin | 4.5990% | 499 |
| Noninterest income to average assets | 0.4989% | 2,806 |
| Noninterest expense to average assets | 2.9636% | 2,163 |
| Loan and lease loss provision to assets | 0.0670% | 2,430 |
| Net operating income to assets | 1.5786% | 903 |
| Return on assets (ROA) | 1.5786% | 911 |
| Pretax return on assets | 1.5786% | 1,455 |
| Return on Equity (ROE) | 13.5442% | 1,123 |
| Retained earnings to average equity (ytd only) | 3.7694% | 3,685 |
| Net charge-offs to loans | 0.0142% | 2,257 |
| Credit loss provision to net charge-offs | 900.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 221.0000% | 301 |
| Efficiency ratio | 64.2973% | 3,433 |
| Assets per employee ($millions) | 5.9254% | 1,580 |
| Cash dividends to net income (ytd only)* | 72.1698% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 1,305 |
| Loan loss allowance to noncurrent loans | 52.5301% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.5564% | 878 |
| Noncurrent loans to loans | 2.9407% | 413 |
| Net loans and leases to total assets | 52.1086% | 4,428 |
| Net loans and leases to deposits | 60.2576% | 4,452 |
| Net loans and leases to core deposits | 64.6888% | 4,383 |
| Total domestic deposits to total assets | 86.4764% | 2,328 |
| Equity capital to assets | 11.7197% | 1,977 |
| Core capital (leverage) ratio | 11.5188% | 1,996 |
| Tier 1 risk-based capital ratio | 18.5116% | 1,688 |
| Total risk-based capital ratio | 19.7610% | 1,650 |
| Memoranda: | ||
| Average total assets | $53,719,000 | 5,041 |
| Average earning assets | $48,010,500 | 5,060 |
| Average equity | $6,261,000 | 5,014 |
| Average total loans | $28,187,500 | 5,016 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0814% | 555 |
| Cost of funding earning assets | 0.1671% | 5,175 |
| Net interest margin | 4.9142% | 276 |
| Noninterest income to average assets | 0.5879% | 2,505 |
| Noninterest expense to average assets | 2.6883% | 3,167 |
| Loan and lease loss provision to assets | 0.2297% | 847 |
| Net operating income to assets | 2.0206% | 273 |
| Return on assets (ROA) | 2.0206% | 276 |
| Pretax return on assets | 2.0206% | 467 |
| Return on Equity (ROE) | 16.9597% | 396 |
| Retained earnings to average equity (ytd only) | 6.9603% | 1,092 |
| Net charge-offs to loans | 0.0310% | 3,179 |
| Credit loss provision to net charge-offs | 1,311.1111% | 294 |
| Earnings coverage of net charge-offs (x) | 128.4444% | 531 |
| Efficiency ratio | 54.4344% | 4,916 |
| Assets per employee ($millions) | 6.0121% | 1,510 |
| Cash dividends to net income (ytd only)* | 58.9595% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 1,353 |
| Loan loss allowance to noncurrent loans | 38.1932% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 2.0662% | 531 |
| Noncurrent loans to loans | 3.9716% | 240 |
| Net loans and leases to total assets | 51.2355% | 4,575 |
| Net loans and leases to deposits | 59.0895% | 4,637 |
| Net loans and leases to core deposits | 63.3524% | 4,577 |
| Total domestic deposits to total assets | 86.7083% | 2,145 |
| Equity capital to assets | 11.5914% | 2,119 |
| Core capital (leverage) ratio | 11.9342% | 1,640 |
| Tier 1 risk-based capital ratio | 18.8089% | 1,555 |
| Total risk-based capital ratio | 20.0594% | 1,515 |
| Memoranda: | ||
| Average total assets | $51,370,600 | 5,133 |
| Average earning assets | $45,480,000 | 5,162 |
| Average equity | $6,120,400 | 5,084 |
| Average total loans | $28,998,400 | 5,046 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1033% | 501 |
| Cost of funding earning assets | 0.1571% | 5,273 |
| Net interest margin | 4.9463% | 252 |
| Noninterest income to average assets | 0.5892% | 2,542 |
| Noninterest expense to average assets | 2.7278% | 2,968 |
| Loan and lease loss provision to assets | 0.0237% | 3,673 |
| Net operating income to assets | 2.2281% | 204 |
| Return on assets (ROA) | 2.2281% | 204 |
| Pretax return on assets | 2.2281% | 341 |
| Return on Equity (ROE) | 18.5665% | 298 |
| Retained earnings to average equity (ytd only) | 8.5051% | 1,015 |
| Net charge-offs to loans | 0.0411% | 2,613 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 95.1083% | 713 |
| Efficiency ratio | 54.7808% | 4,873 |
| Assets per employee ($millions) | 5.6820% | 1,743 |
| Cash dividends to net income (ytd only)* | 54.1906% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 3,912 |
| Loan loss allowance to noncurrent loans | 38.6391% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 1.6094% | 922 |
| Noncurrent loans to loans | 2.6624% | 540 |
| Net loans and leases to total assets | 59.8264% | 3,887 |
| Net loans and leases to deposits | 69.8748% | 3,973 |
| Net loans and leases to core deposits | 74.3837% | 3,942 |
| Total domestic deposits to total assets | 85.6193% | 2,473 |
| Equity capital to assets | 12.3235% | 1,766 |
| Core capital (leverage) ratio | 12.2191% | 1,556 |
| Tier 1 risk-based capital ratio | 17.8558% | 1,892 |
| Total risk-based capital ratio | 18.7616% | 1,950 |
| Memoranda: | ||
| Average total assets | $50,686,000 | 5,201 |
| Average earning assets | $44,989,000 | 5,226 |
| Average equity | $6,082,500 | 5,148 |
| Average total loans | $29,210,500 | 5,099 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0717% | 501 |
| Cost of funding earning assets | 0.1333% | 5,433 |
| Net interest margin | 4.9384% | 247 |
| Noninterest income to average assets | 0.5699% | 2,605 |
| Noninterest expense to average assets | 2.7466% | 2,937 |
| Loan and lease loss provision to assets | 0.0079% | 3,770 |
| Net operating income to assets | 2.2123% | 207 |
| Return on assets (ROA) | 2.2123% | 211 |
| Pretax return on assets | 2.2123% | 346 |
| Return on Equity (ROE) | 18.6044% | 290 |
| Retained earnings to average equity (ytd only) | 8.4202% | 1,025 |
| Net charge-offs to loans | 0.0559% | 2,134 |
| Credit loss provision to net charge-offs | 25.0000% | 2,754 |
| Earnings coverage of net charge-offs (x) | 70.1250% | 840 |
| Efficiency ratio | 55.2988% | 4,895 |
| Assets per employee ($millions) | 5.6584% | 1,743 |
| Cash dividends to net income (ytd only)* | 54.7406% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,846 |
| Loan loss allowance to noncurrent loans | 46.5672% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 1.3156% | 1,247 |
| Noncurrent loans to loans | 2.2563% | 714 |
| Net loans and leases to total assets | 57.6974% | 4,064 |
| Net loans and leases to deposits | 67.2303% | 4,127 |
| Net loans and leases to core deposits | 69.6197% | 4,249 |
| Total domestic deposits to total assets | 85.8206% | 2,462 |
| Equity capital to assets | 12.1411% | 1,834 |
| Core capital (leverage) ratio | 12.2233% | 1,518 |
| Tier 1 risk-based capital ratio | 18.0923% | 1,830 |
| Total risk-based capital ratio | 19.0125% | 1,888 |
| Memoranda: | ||
| Average total assets | $50,535,330 | 5,237 |
| Average earning assets | $44,994,670 | 5,264 |
| Average equity | $6,009,330 | 5,188 |
| Average total loans | $28,643,330 | 5,151 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1912% | 386 |
| Cost of funding earning assets | 0.1156% | 5,586 |
| Net interest margin | 5.0756% | 197 |
| Noninterest income to average assets | 0.5801% | 2,508 |
| Noninterest expense to average assets | 2.7811% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.3361% | 184 |
| Return on assets (ROA) | 2.3361% | 185 |
| Pretax return on assets | 2.3361% | 284 |
| Return on Equity (ROE) | 19.8565% | 235 |
| Retained earnings to average equity (ytd only) | 9.5230% | 916 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3478% | 5,093 |
| Assets per employee ($millions) | 5.4888% | 1,901 |
| Cash dividends to net income (ytd only)* | 52.0408% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 3,607 |
| Loan loss allowance to noncurrent loans | 57.4007% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.1215% | 1,582 |
| Noncurrent loans to loans | 1.9464% | 926 |
| Net loans and leases to total assets | 56.9748% | 4,066 |
| Net loans and leases to deposits | 66.4283% | 4,135 |
| Net loans and leases to core deposits | 69.8925% | 4,156 |
| Total domestic deposits to total assets | 85.7689% | 2,767 |
| Equity capital to assets | 12.1743% | 1,722 |
| Core capital (leverage) ratio | 12.1573% | 1,529 |
| Tier 1 risk-based capital ratio | 18.5042% | 1,741 |
| Total risk-based capital ratio | 19.4813% | 1,765 |
| Memoranda: | ||
| Average total assets | $50,340,000 | 5,302 |
| Average earning assets | $44,999,500 | 5,322 |
| Average equity | $5,922,500 | 5,250 |
| Average total loans | $28,117,500 | 5,217 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7713% | 932 |
| Cost of funding earning assets | 0.1126% | 5,646 |
| Net interest margin | 4.6587% | 450 |
| Noninterest income to average assets | 0.6193% | 2,557 |
| Noninterest expense to average assets | 2.6830% | 3,398 |
| Loan and lease loss provision to assets | 0.1251% | 1,983 |
| Net operating income to assets | 2.0697% | 276 |
| Return on assets (ROA) | 2.1141% | 268 |
| Pretax return on assets | 2.1141% | 392 |
| Return on Equity (ROE) | 17.9883% | 330 |
| Retained earnings to average equity (ytd only) | 5.1665% | 2,225 |
| Net charge-offs to loans | -0.1923% | 5,730 |
| Credit loss provision to net charge-offs | -116.9811% | 4,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0041% | 5,150 |
| Assets per employee ($millions) | 5.6979% | 1,696 |
| Cash dividends to net income (ytd only)* | 71.2786% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 3,459 |
| Loan loss allowance to noncurrent loans | 61.6279% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.0062% | 1,881 |
| Noncurrent loans to loans | 1.8580% | 1,008 |
| Net loans and leases to total assets | 53.5364% | 4,480 |
| Net loans and leases to deposits | 62.6418% | 4,496 |
| Net loans and leases to core deposits | 66.2740% | 4,511 |
| Total domestic deposits to total assets | 85.4644% | 2,849 |
| Equity capital to assets | 11.3707% | 2,269 |
| Core capital (leverage) ratio | 11.9562% | 1,630 |
| Tier 1 risk-based capital ratio | 18.3340% | 1,766 |
| Total risk-based capital ratio | 19.3254% | 1,792 |
| Memoranda: | ||
| Average total assets | $49,572,000 | 5,354 |
| Average earning assets | $45,312,600 | 5,349 |
| Average equity | $5,826,000 | 5,307 |
| Average total loans | $27,560,000 | 5,283 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 1,092 |
| Cost of funding earning assets | 0.1140% | 5,704 |
| Net interest margin | 4.5756% | 531 |
| Noninterest income to average assets | 0.6267% | 2,537 |
| Noninterest expense to average assets | 2.6669% | 3,438 |
| Loan and lease loss provision to assets | 0.1682% | 1,359 |
| Net operating income to assets | 2.0402% | 320 |
| Return on assets (ROA) | 2.0999% | 308 |
| Pretax return on assets | 2.0999% | 467 |
| Return on Equity (ROE) | 17.7170% | 378 |
| Retained earnings to average equity (ytd only) | 7.2104% | 1,525 |
| Net charge-offs to loans | -0.2569% | 5,813 |
| Credit loss provision to net charge-offs | -116.9811% | 4,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7023% | 5,184 |
| Assets per employee ($millions) | 5.9265% | 1,489 |
| Cash dividends to net income (ytd only)* | 59.3021% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 4,079 |
| Loan loss allowance to noncurrent loans | 89.2958% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 0.7488% | 2,686 |
| Noncurrent loans to loans | 1.1855% | 1,896 |
| Net loans and leases to total assets | 62.4884% | 3,592 |
| Net loans and leases to deposits | 74.2029% | 3,576 |
| Net loans and leases to core deposits | 78.9485% | 3,558 |
| Total domestic deposits to total assets | 84.2129% | 3,138 |
| Equity capital to assets | 12.6888% | 1,655 |
| Core capital (leverage) ratio | 12.2029% | 1,545 |
| Tier 1 risk-based capital ratio | 17.8183% | 1,972 |
| Total risk-based capital ratio | 18.7764% | 2,032 |
| Memoranda: | ||
| Average total assets | $49,144,750 | 5,415 |
| Average earning assets | $45,632,500 | 5,394 |
| Average equity | $5,824,750 | 5,367 |
| Average total loans | $27,507,000 | 5,333 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3888% | 1,860 |
| Cost of funding earning assets | 0.1161% | 5,773 |
| Net interest margin | 4.2727% | 980 |
| Noninterest income to average assets | 0.6798% | 2,236 |
| Noninterest expense to average assets | 2.6628% | 3,511 |
| Loan and lease loss provision to assets | 0.0483% | 3,185 |
| Net operating income to assets | 1.9669% | 353 |
| Return on assets (ROA) | 2.0474% | 314 |
| Pretax return on assets | 2.0474% | 521 |
| Return on Equity (ROE) | 17.6705% | 381 |
| Retained earnings to average equity (ytd only) | 7.0474% | 1,576 |
| Net charge-offs to loans | -0.3971% | 5,923 |
| Credit loss provision to net charge-offs | -22.6415% | 4,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9218% | 5,038 |
| Assets per employee ($millions) | 6.1110% | 1,326 |
| Cash dividends to net income (ytd only)* | 60.1179% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 4,785 |
| Loan loss allowance to noncurrent loans | 46.7601% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.1680% | 1,805 |
| Noncurrent loans to loans | 2.0203% | 985 |
| Net loans and leases to total assets | 57.2656% | 4,189 |
| Net loans and leases to deposits | 67.6984% | 4,207 |
| Net loans and leases to core deposits | 71.8841% | 4,190 |
| Total domestic deposits to total assets | 84.5893% | 3,053 |
| Equity capital to assets | 12.1829% | 1,984 |
| Core capital (leverage) ratio | 11.8057% | 1,766 |
| Tier 1 risk-based capital ratio | 18.1558% | 1,888 |
| Total risk-based capital ratio | 18.9941% | 1,959 |
| Memoranda: | ||
| Average total assets | $49,722,330 | 5,468 |
| Average earning assets | $46,528,000 | 5,436 |
| Average equity | $5,761,000 | 5,432 |
| Average total loans | $26,694,670 | 5,416 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 1,713 |
| Cost of funding earning assets | 0.1183% | 5,825 |
| Net interest margin | 4.3100% | 915 |
| Noninterest income to average assets | 0.8377% | 1,485 |
| Noninterest expense to average assets | 2.6725% | 3,517 |
| Loan and lease loss provision to assets | 0.0718% | 2,518 |
| Net operating income to assets | 2.1620% | 245 |
| Return on assets (ROA) | 2.2976% | 212 |
| Pretax return on assets | 2.2976% | 316 |
| Return on Equity (ROE) | 20.3408% | 222 |
| Retained earnings to average equity (ytd only) | 9.5347% | 971 |
| Net charge-offs to loans | -0.8336% | 6,032 |
| Credit loss provision to net charge-offs | -16.6667% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4715% | 5,341 |
| Assets per employee ($millions) | 5.5392% | 1,801 |
| Cash dividends to net income (ytd only)* | 53.1250% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 4,519 |
| Loan loss allowance to noncurrent loans | 353.3333% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 4,972 |
| Noncurrent loans to loans | 0.2873% | 4,405 |
| Net loans and leases to total assets | 51.8264% | 4,642 |
| Net loans and leases to deposits | 61.8465% | 4,585 |
| Net loans and leases to core deposits | 65.5761% | 4,565 |
| Total domestic deposits to total assets | 83.7984% | 3,598 |
| Equity capital to assets | 11.6081% | 2,338 |
| Core capital (leverage) ratio | 11.4004% | 2,052 |
| Tier 1 risk-based capital ratio | 18.7488% | 1,791 |
| Total risk-based capital ratio | 19.6181% | 1,850 |
| Memoranda: | ||
| Average total assets | $50,139,500 | 5,509 |
| Average earning assets | $47,332,000 | 5,465 |
| Average equity | $5,663,500 | 5,484 |
| Average total loans | $25,910,500 | 5,487 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3096% | 2,197 |
| Cost of funding earning assets | 0.1282% | 5,831 |
| Net interest margin | 4.1814% | 1,205 |
| Noninterest income to average assets | 0.4733% | 3,507 |
| Noninterest expense to average assets | 2.6033% | 3,911 |
| Loan and lease loss provision to assets | 0.0310% | 3,750 |
| Net operating income to assets | 1.7614% | 516 |
| Return on assets (ROA) | 1.7653% | 528 |
| Pretax return on assets | 1.7653% | 861 |
| Return on Equity (ROE) | 17.0610% | 447 |
| Retained earnings to average equity (ytd only) | 5.0808% | 2,361 |
| Net charge-offs to loans | 0.2741% | 1,105 |
| Credit loss provision to net charge-offs | 23.1884% | 3,722 |
| Earnings coverage of net charge-offs (x) | 13.3913% | 2,373 |
| Efficiency ratio | 59.2233% | 5,004 |
| Assets per employee ($millions) | 5.0426% | 2,318 |
| Cash dividends to net income (ytd only)* | 70.2198% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7854% | 5,448 |
| Loan loss allowance to noncurrent loans | 24.3081% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 1.6480% | 1,190 |
| Noncurrent loans to loans | 3.2311% | 468 |
| Net loans and leases to total assets | 50.6029% | 4,814 |
| Net loans and leases to deposits | 60.0428% | 4,775 |
| Net loans and leases to core deposits | 63.6445% | 4,756 |
| Total domestic deposits to total assets | 84.2780% | 3,373 |
| Equity capital to assets | 10.9864% | 2,836 |
| Core capital (leverage) ratio | 10.8700% | 2,533 |
| Tier 1 risk-based capital ratio | 18.3891% | 1,862 |
| Total risk-based capital ratio | 19.0548% | 1,968 |
| Memoranda: | ||
| Average total assets | $51,549,800 | 5,513 |
| Average earning assets | $48,357,400 | 5,472 |
| Average equity | $5,333,800 | 5,577 |
| Average total loans | $25,172,800 | 5,550 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0975% | 2,951 |
| Cost of funding earning assets | 0.1319% | 5,903 |
| Net interest margin | 3.9656% | 1,824 |
| Noninterest income to average assets | 0.4656% | 3,594 |
| Noninterest expense to average assets | 2.5827% | 3,937 |
| Loan and lease loss provision to assets | 0.0232% | 3,813 |
| Net operating income to assets | 1.5718% | 818 |
| Return on assets (ROA) | 1.5769% | 849 |
| Pretax return on assets | 1.5769% | 1,453 |
| Return on Equity (ROE) | 15.4728% | 666 |
| Retained earnings to average equity (ytd only) | 3.8872% | 3,706 |
| Net charge-offs to loans | 0.0799% | 2,416 |
| Credit loss provision to net charge-offs | 60.0000% | 2,908 |
| Earnings coverage of net charge-offs (x) | 41.3325% | 1,213 |
| Efficiency ratio | 61.8227% | 4,602 |
| Assets per employee ($millions) | 5.1134% | 2,157 |
| Cash dividends to net income (ytd only)* | 74.8773% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 5,281 |
| Loan loss allowance to noncurrent loans | 251.5152% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 4,975 |
| Noncurrent loans to loans | 0.3488% | 4,364 |
| Net loans and leases to total assets | 55.0241% | 4,461 |
| Net loans and leases to deposits | 68.8191% | 4,112 |
| Net loans and leases to core deposits | 73.1185% | 4,092 |
| Total domestic deposits to total assets | 79.9546% | 4,763 |
| Equity capital to assets | 10.7248% | 3,330 |
| Core capital (leverage) ratio | 10.5712% | 2,959 |
| Tier 1 risk-based capital ratio | 16.5877% | 2,530 |
| Total risk-based capital ratio | 17.3438% | 2,711 |
| Memoranda: | ||
| Average total assets | $51,830,750 | 5,579 |
| Average earning assets | $48,515,750 | 5,543 |
| Average equity | $5,282,250 | 5,655 |
| Average total loans | $25,036,250 | 5,613 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 2,667 |
| Cost of funding earning assets | 0.1318% | 5,972 |
| Net interest margin | 4.0315% | 1,549 |
| Noninterest income to average assets | 0.4533% | 3,676 |
| Noninterest expense to average assets | 2.6045% | 3,893 |
| Loan and lease loss provision to assets | 0.0230% | 3,672 |
| Net operating income to assets | 1.5865% | 769 |
| Return on assets (ROA) | 1.5865% | 798 |
| Pretax return on assets | 1.5865% | 1,371 |
| Return on Equity (ROE) | 15.8389% | 627 |
| Retained earnings to average equity (ytd only) | 4.1035% | 3,413 |
| Net charge-offs to loans | 0.1254% | 1,751 |
| Credit loss provision to net charge-offs | 40.0000% | 2,810 |
| Earnings coverage of net charge-offs (x) | 27.9333% | 1,437 |
| Efficiency ratio | 61.8049% | 4,702 |
| Assets per employee ($millions) | 5.2854% | 1,941 |
| Cash dividends to net income (ytd only)* | 74.0920% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 5,151 |
| Loan loss allowance to noncurrent loans | 455.5556% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 5,462 |
| Noncurrent loans to loans | 0.2061% | 4,945 |
| Net loans and leases to total assets | 49.1070% | 5,006 |
| Net loans and leases to deposits | 56.2893% | 5,106 |
| Net loans and leases to core deposits | 59.3868% | 5,113 |
| Total domestic deposits to total assets | 87.2403% | 2,042 |
| Equity capital to assets | 9.9425% | 4,099 |
| Core capital (leverage) ratio | 10.3974% | 3,086 |
| Tier 1 risk-based capital ratio | 17.1893% | 2,334 |
| Total risk-based capital ratio | 17.9700% | 2,467 |
| Memoranda: | ||
| Average total assets | $52,063,000 | 5,636 |
| Average earning assets | $48,568,000 | 5,593 |
| Average equity | $5,215,000 | 5,724 |
| Average total loans | $23,920,000 | 5,716 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0279% | 3,131 |
| Cost of funding earning assets | 0.1326% | 6,042 |
| Net interest margin | 3.8953% | 1,914 |
| Noninterest income to average assets | 0.4800% | 3,425 |
| Noninterest expense to average assets | 2.6554% | 3,731 |
| Loan and lease loss provision to assets | 0.0232% | 3,407 |
| Net operating income to assets | 1.4400% | 961 |
| Return on assets (ROA) | 1.4400% | 1,018 |
| Pretax return on assets | 1.4400% | 1,745 |
| Return on Equity (ROE) | 14.3215% | 819 |
| Retained earnings to average equity (ytd only) | 2.5409% | 4,417 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4737% | 4,404 |
| Assets per employee ($millions) | 5.1405% | 2,180 |
| Cash dividends to net income (ytd only)* | 82.2581% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 4,506 |
| Loan loss allowance to noncurrent loans | 55.2463% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 0.9085% | 2,820 |
| Noncurrent loans to loans | 1.9952% | 1,307 |
| Net loans and leases to total assets | 45.0306% | 5,268 |
| Net loans and leases to deposits | 52.8916% | 5,276 |
| Net loans and leases to core deposits | 55.9644% | 5,251 |
| Total domestic deposits to total assets | 85.1376% | 3,340 |
| Equity capital to assets | 10.3336% | 3,743 |
| Core capital (leverage) ratio | 10.4118% | 3,085 |
| Tier 1 risk-based capital ratio | 18.5422% | 1,993 |
| Total risk-based capital ratio | 19.4377% | 2,039 |
| Memoranda: | ||
| Average total assets | $51,667,500 | 5,689 |
| Average earning assets | $48,263,000 | 5,651 |
| Average equity | $5,195,000 | 5,782 |
| Average total loans | $22,779,500 | 5,797 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 2,212 |
| Cost of funding earning assets | 0.1402% | 6,156 |
| Net interest margin | 4.2628% | 1,139 |
| Noninterest income to average assets | 0.5614% | 3,115 |
| Noninterest expense to average assets | 2.8273% | 3,390 |
| Loan and lease loss provision to assets | 0.0143% | 4,327 |
| Net operating income to assets | 1.6311% | 667 |
| Return on assets (ROA) | 1.6372% | 683 |
| Pretax return on assets | 1.6372% | 1,132 |
| Return on Equity (ROE) | 16.4230% | 564 |
| Retained earnings to average equity (ytd only) | 3.8907% | 3,446 |
| Net charge-offs to loans | 0.1565% | 2,465 |
| Credit loss provision to net charge-offs | 18.4211% | 3,991 |
| Earnings coverage of net charge-offs (x) | 21.2105% | 1,687 |
| Efficiency ratio | 63.2131% | 4,719 |
| Assets per employee ($millions) | 5.1930% | 2,084 |
| Cash dividends to net income (ytd only)* | 76.3092% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 4,278 |
| Loan loss allowance to noncurrent loans | 44.3478% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 2,539 |
| Noncurrent loans to loans | 2.5956% | 962 |
| Net loans and leases to total assets | 42.1683% | 5,603 |
| Net loans and leases to deposits | 48.1878% | 5,677 |
| Net loans and leases to core deposits | 50.8771% | 5,673 |
| Total domestic deposits to total assets | 87.5082% | 2,032 |
| Equity capital to assets | 9.7785% | 4,387 |
| Core capital (leverage) ratio | 10.3917% | 3,069 |
| Tier 1 risk-based capital ratio | 19.0526% | 1,836 |
| Total risk-based capital ratio | 19.6268% | 1,991 |
| Memoranda: | ||
| Average total assets | $48,986,200 | 5,810 |
| Average earning assets | $44,946,600 | 5,801 |
| Average equity | $4,883,400 | 5,884 |
| Average total loans | $24,287,000 | 5,808 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4654% | 1,999 |
| Cost of funding earning assets | 0.1446% | 6,215 |
| Net interest margin | 4.3208% | 1,006 |
| Noninterest income to average assets | 0.5748% | 3,030 |
| Noninterest expense to average assets | 2.8462% | 3,301 |
| Loan and lease loss provision to assets | 0.0138% | 4,135 |
| Net operating income to assets | 1.6773% | 642 |
| Return on assets (ROA) | 1.6856% | 657 |
| Pretax return on assets | 1.6856% | 1,098 |
| Return on Equity (ROE) | 16.8222% | 573 |
| Retained earnings to average equity (ytd only) | 4.1642% | 3,688 |
| Net charge-offs to loans | 0.1880% | 1,961 |
| Credit loss provision to net charge-offs | 14.2857% | 3,642 |
| Earnings coverage of net charge-offs (x) | 17.4840% | 1,898 |
| Efficiency ratio | 62.7284% | 4,776 |
| Assets per employee ($millions) | 4.7941% | 2,527 |
| Cash dividends to net income (ytd only)* | 75.2456% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 5,278 |
| Loan loss allowance to noncurrent loans | 31.5271% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 1.6937% | 1,783 |
| Noncurrent loans to loans | 3.1206% | 831 |
| Net loans and leases to total assets | 53.7431% | 4,604 |
| Net loans and leases to deposits | 62.5015% | 4,696 |
| Net loans and leases to core deposits | 66.3653% | 4,671 |
| Total domestic deposits to total assets | 85.9869% | 2,848 |
| Equity capital to assets | 10.4545% | 3,618 |
| Core capital (leverage) ratio | 10.8151% | 2,680 |
| Tier 1 risk-based capital ratio | 17.3310% | 2,457 |
| Total risk-based capital ratio | 17.7585% | 2,762 |
| Memoranda: | ||
| Average total assets | $48,250,250 | 5,897 |
| Average earning assets | $44,250,250 | 5,895 |
| Average equity | $4,834,750 | 5,961 |
| Average total loans | $24,820,500 | 5,849 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 2,357 |
| Cost of funding earning assets | 0.1449% | 6,295 |
| Net interest margin | 4.2116% | 1,214 |
| Noninterest income to average assets | 0.5915% | 2,854 |
| Noninterest expense to average assets | 2.8292% | 3,399 |
| Loan and lease loss provision to assets | 0.0083% | 4,069 |
| Net operating income to assets | 1.6007% | 703 |
| Return on assets (ROA) | 1.6131% | 714 |
| Pretax return on assets | 1.6131% | 1,220 |
| Return on Equity (ROE) | 16.3328% | 619 |
| Retained earnings to average equity (ytd only) | 3.5178% | 3,962 |
| Net charge-offs to loans | 0.1720% | 2,018 |
| Credit loss provision to net charge-offs | 9.5238% | 3,309 |
| Earnings coverage of net charge-offs (x) | 18.5238% | 1,680 |
| Efficiency ratio | 63.7465% | 4,731 |
| Assets per employee ($millions) | 4.9357% | 2,296 |
| Cash dividends to net income (ytd only)* | 78.4615% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 5,024 |
| Loan loss allowance to noncurrent loans | 34.4961% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 1.5682% | 2,080 |
| Noncurrent loans to loans | 3.1010% | 919 |
| Net loans and leases to total assets | 50.0294% | 4,958 |
| Net loans and leases to deposits | 57.3669% | 5,091 |
| Net loans and leases to core deposits | 60.7783% | 5,074 |
| Total domestic deposits to total assets | 87.2095% | 2,344 |
| Equity capital to assets | 10.0654% | 4,015 |
| Core capital (leverage) ratio | 10.9401% | 2,478 |
| Tier 1 risk-based capital ratio | 17.4480% | 2,439 |
| Total risk-based capital ratio | 17.9846% | 2,699 |
| Memoranda: | ||
| Average total assets | $48,353,330 | 5,940 |
| Average earning assets | $44,163,330 | 5,948 |
| Average equity | $4,775,670 | 6,019 |
| Average total loans | $24,420,330 | 5,911 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 2,503 |
| Cost of funding earning assets | 0.1443% | 6,386 |
| Net interest margin | 4.1589% | 1,322 |
| Noninterest income to average assets | 0.6687% | 2,352 |
| Noninterest expense to average assets | 2.7669% | 3,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7554% | 519 |
| Return on assets (ROA) | 1.7721% | 518 |
| Pretax return on assets | 1.7721% | 838 |
| Return on Equity (ROE) | 18.1216% | 434 |
| Retained earnings to average equity (ytd only) | 5.0433% | 3,093 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1830% | 5,246 |
| Assets per employee ($millions) | 4.7383% | 2,617 |
| Cash dividends to net income (ytd only)* | 72.1698% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 4,746 |
| Loan loss allowance to noncurrent loans | 22.4666% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 2.6866% | 1,138 |
| Noncurrent loans to loans | 5.2398% | 403 |
| Net loans and leases to total assets | 50.6701% | 4,834 |
| Net loans and leases to deposits | 58.3649% | 4,902 |
| Net loans and leases to core deposits | 62.0035% | 4,882 |
| Total domestic deposits to total assets | 86.8159% | 2,930 |
| Equity capital to assets | 10.1049% | 3,719 |
| Core capital (leverage) ratio | 10.7915% | 2,610 |
| Tier 1 risk-based capital ratio | 18.0211% | 2,286 |
| Total risk-based capital ratio | 18.7589% | 2,447 |
| Memoranda: | ||
| Average total assets | $47,851,500 | 6,009 |
| Average earning assets | $44,338,500 | 5,991 |
| Average equity | $4,679,500 | 6,076 |
| Average total loans | $24,150,500 | 5,975 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 2,157 |
| Cost of funding earning assets | 0.1720% | 6,430 |
| Net interest margin | 4.3418% | 1,015 |
| Noninterest income to average assets | 0.5782% | 3,223 |
| Noninterest expense to average assets | 2.7819% | 3,788 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7448% | 533 |
| Return on assets (ROA) | 1.7448% | 550 |
| Pretax return on assets | 1.7448% | 860 |
| Return on Equity (ROE) | 17.9175% | 416 |
| Retained earnings to average equity (ytd only) | 4.4160% | 3,031 |
| Net charge-offs to loans | 0.0237% | 4,952 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 141.3333% | 323 |
| Efficiency ratio | 61.4545% | 5,296 |
| Assets per employee ($millions) | 4.8320% | 2,403 |
| Cash dividends to net income (ytd only)* | 75.3538% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 4,709 |
| Loan loss allowance to noncurrent loans | 49.3955% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 1.1983% | 3,005 |
| Noncurrent loans to loans | 2.4119% | 1,585 |
| Net loans and leases to total assets | 49.0894% | 5,183 |
| Net loans and leases to deposits | 56.3434% | 5,270 |
| Net loans and leases to core deposits | 59.7662% | 5,236 |
| Total domestic deposits to total assets | 87.1254% | 2,661 |
| Equity capital to assets | 9.4599% | 4,486 |
| Core capital (leverage) ratio | 10.2616% | 3,204 |
| Tier 1 risk-based capital ratio | 17.8736% | 2,283 |
| Total risk-based capital ratio | 18.6173% | 2,441 |
| Memoranda: | ||
| Average total assets | $48,600,200 | 6,052 |
| Average earning assets | $44,198,000 | 6,044 |
| Average equity | $4,732,800 | 6,134 |
| Average total loans | $25,319,800 | 5,966 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 2,121 |
| Cost of funding earning assets | 0.1817% | 6,493 |
| Net interest margin | 4.3482% | 992 |
| Noninterest income to average assets | 0.5863% | 3,238 |
| Noninterest expense to average assets | 2.7449% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7752% | 550 |
| Return on assets (ROA) | 1.7752% | 579 |
| Pretax return on assets | 1.7752% | 953 |
| Return on Equity (ROE) | 18.1005% | 435 |
| Retained earnings to average equity (ytd only) | 5.2792% | 2,887 |
| Net charge-offs to loans | 0.0260% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 129.5322% | 412 |
| Efficiency ratio | 60.7273% | 5,320 |
| Assets per employee ($millions) | 4.9050% | 2,299 |
| Cash dividends to net income (ytd only)* | 70.8327% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 5,435 |
| Loan loss allowance to noncurrent loans | 44.0184% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 1.3293% | 2,978 |
| Noncurrent loans to loans | 2.4352% | 1,795 |
| Net loans and leases to total assets | 54.0000% | 4,615 |
| Net loans and leases to deposits | 61.9724% | 4,768 |
| Net loans and leases to core deposits | 65.6740% | 4,742 |
| Total domestic deposits to total assets | 87.1356% | 2,616 |
| Equity capital to assets | 9.5454% | 4,495 |
| Core capital (leverage) ratio | 10.3834% | 3,127 |
| Tier 1 risk-based capital ratio | 16.3929% | 2,986 |
| Total risk-based capital ratio | 16.9844% | 3,286 |
| Memoranda: | ||
| Average total assets | $48,670,250 | 6,117 |
| Average earning assets | $44,032,750 | 6,123 |
| Average equity | $4,773,250 | 6,200 |
| Average total loans | $25,648,250 | 6,001 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 2,355 |
| Cost of funding earning assets | 0.1882% | 6,534 |
| Net interest margin | 4.2691% | 1,094 |
| Noninterest income to average assets | 0.5727% | 3,365 |
| Noninterest expense to average assets | 2.6904% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7139% | 608 |
| Return on assets (ROA) | 1.7139% | 662 |
| Pretax return on assets | 1.7139% | 1,085 |
| Return on Equity (ROE) | 17.3201% | 524 |
| Retained earnings to average equity (ytd only) | 4.5798% | 3,354 |
| Net charge-offs to loans | 0.0079% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 416.0000% | 120 |
| Efficiency ratio | 61.0851% | 5,312 |
| Assets per employee ($millions) | 4.8538% | 2,291 |
| Cash dividends to net income (ytd only)* | 73.5577% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 5,398 |
| Loan loss allowance to noncurrent loans | 46.1173% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 1.3000% | 3,176 |
| Noncurrent loans to loans | 2.4093% | 1,949 |
| Net loans and leases to total assets | 53.3582% | 4,686 |
| Net loans and leases to deposits | 60.9173% | 4,873 |
| Net loans and leases to core deposits | 64.5732% | 4,833 |
| Total domestic deposits to total assets | 87.5912% | 2,495 |
| Equity capital to assets | 9.4132% | 4,701 |
| Core capital (leverage) ratio | 10.5833% | 2,787 |
| Tier 1 risk-based capital ratio | 16.5420% | 2,924 |
| Total risk-based capital ratio | 17.2076% | 3,160 |
| Memoranda: | ||
| Average total assets | $48,543,670 | 6,159 |
| Average earning assets | $43,568,670 | 6,170 |
| Average equity | $4,803,670 | 6,240 |
| Average total loans | $25,273,000 | 6,056 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 2,796 |
| Cost of funding earning assets | 0.2006% | 6,568 |
| Net interest margin | 4.1218% | 1,399 |
| Noninterest income to average assets | 0.5603% | 3,368 |
| Noninterest expense to average assets | 2.7026% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5820% | 730 |
| Return on assets (ROA) | 1.5820% | 789 |
| Pretax return on assets | 1.5820% | 1,340 |
| Return on Equity (ROE) | 15.6066% | 662 |
| Retained earnings to average equity (ytd only) | 3.1701% | 4,362 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0769% | 5,144 |
| Assets per employee ($millions) | 4.7815% | 2,525 |
| Cash dividends to net income (ytd only)* | 79.6875% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 5,347 |
| Loan loss allowance to noncurrent loans | 45.1314% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 1.3531% | 3,249 |
| Noncurrent loans to loans | 2.5817% | 2,000 |
| Net loans and leases to total assets | 51.8017% | 4,732 |
| Net loans and leases to deposits | 59.7895% | 4,816 |
| Net loans and leases to core deposits | 63.4745% | 4,793 |
| Total domestic deposits to total assets | 86.6402% | 3,161 |
| Equity capital to assets | 10.3148% | 3,783 |
| Core capital (leverage) ratio | 10.4241% | 2,877 |
| Tier 1 risk-based capital ratio | 16.9105% | 2,797 |
| Total risk-based capital ratio | 17.6521% | 3,010 |
| Memoranda: | ||
| Average total assets | $48,546,500 | 6,223 |
| Average earning assets | $43,864,500 | 6,217 |
| Average equity | $4,921,000 | 6,273 |
| Average total loans | $24,814,500 | 6,130 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7392% | 2,430 |
| Cost of funding earning assets | 0.2499% | 6,670 |
| Net interest margin | 4.4893% | 964 |
| Noninterest income to average assets | 0.5529% | 3,558 |
| Noninterest expense to average assets | 2.7268% | 4,296 |
| Loan and lease loss provision to assets | 0.0167% | 5,694 |
| Net operating income to assets | 1.7817% | 529 |
| Return on assets (ROA) | 1.7859% | 586 |
| Pretax return on assets | 1.7859% | 944 |
| Return on Equity (ROE) | 17.7072% | 464 |
| Retained earnings to average equity (ytd only) | 4.4889% | 3,073 |
| Net charge-offs to loans | 0.0074% | 5,847 |
| Credit loss provision to net charge-offs | 400.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 431.0000% | 91 |
| Efficiency ratio | 60.2582% | 5,502 |
| Assets per employee ($millions) | 4.9278% | 2,321 |
| Cash dividends to net income (ytd only)* | 74.6495% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 5,167 |
| Loan loss allowance to noncurrent loans | 44.7853% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 3,431 |
| Noncurrent loans to loans | 2.6539% | 1,996 |
| Net loans and leases to total assets | 49.2634% | 5,270 |
| Net loans and leases to deposits | 56.3562% | 5,410 |
| Net loans and leases to core deposits | 59.6843% | 5,397 |
| Total domestic deposits to total assets | 87.4143% | 2,569 |
| Equity capital to assets | 9.9639% | 4,219 |
| Core capital (leverage) ratio | 10.3868% | 2,901 |
| Tier 1 risk-based capital ratio | 16.9650% | 2,673 |
| Total risk-based capital ratio | 17.7288% | 2,872 |
| Memoranda: | ||
| Average total assets | $47,931,000 | 6,267 |
| Average earning assets | $42,411,800 | 6,291 |
| Average equity | $4,834,200 | 6,339 |
| Average total loans | $26,954,600 | 6,085 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 2,414 |
| Cost of funding earning assets | 0.2628% | 6,758 |
| Net interest margin | 4.5315% | 933 |
| Noninterest income to average assets | 0.5547% | 3,575 |
| Noninterest expense to average assets | 2.7342% | 4,239 |
| Loan and lease loss provision to assets | 0.0224% | 5,517 |
| Net operating income to assets | 1.8069% | 558 |
| Return on assets (ROA) | 1.8125% | 619 |
| Pretax return on assets | 1.8125% | 1,010 |
| Return on Equity (ROE) | 17.9150% | 511 |
| Retained earnings to average equity (ytd only) | 5.2055% | 3,218 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9141% | 5,515 |
| Assets per employee ($millions) | 4.6221% | 2,717 |
| Cash dividends to net income (ytd only)* | 70.9419% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 5,998 |
| Loan loss allowance to noncurrent loans | 42.7326% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 1.4885% | 3,363 |
| Noncurrent loans to loans | 2.3929% | 2,411 |
| Net loans and leases to total assets | 61.5694% | 3,469 |
| Net loans and leases to deposits | 71.8328% | 3,634 |
| Net loans and leases to core deposits | 76.4651% | 3,675 |
| Total domestic deposits to total assets | 85.7121% | 3,406 |
| Equity capital to assets | 10.6359% | 3,687 |
| Core capital (leverage) ratio | 10.3920% | 3,046 |
| Tier 1 risk-based capital ratio | 15.3783% | 3,608 |
| Total risk-based capital ratio | 15.9771% | 3,992 |
| Memoranda: | ||
| Average total assets | $47,594,250 | 6,353 |
| Average earning assets | $42,104,500 | 6,370 |
| Average equity | $4,815,250 | 6,421 |
| Average total loans | $27,551,250 | 6,129 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 3,600 |
| Cost of funding earning assets | 0.2655% | 6,854 |
| Net interest margin | 4.2762% | 1,529 |
| Noninterest income to average assets | 0.5369% | 3,668 |
| Noninterest expense to average assets | 2.6763% | 4,513 |
| Loan and lease loss provision to assets | 0.0250% | 5,355 |
| Net operating income to assets | 1.6565% | 739 |
| Return on assets (ROA) | 1.6607% | 818 |
| Pretax return on assets | 1.6607% | 1,368 |
| Return on Equity (ROE) | 16.6887% | 681 |
| Retained earnings to average equity (ytd only) | 3.8899% | 4,029 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4136% | 5,347 |
| Assets per employee ($millions) | 4.7924% | 2,451 |
| Cash dividends to net income (ytd only)* | 76.6917% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 5,998 |
| Loan loss allowance to noncurrent loans | 37.2449% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 1.6359% | 3,274 |
| Noncurrent loans to loans | 2.7980% | 2,135 |
| Net loans and leases to total assets | 57.8583% | 4,184 |
| Net loans and leases to deposits | 66.7164% | 4,412 |
| Net loans and leases to core deposits | 70.3631% | 4,492 |
| Total domestic deposits to total assets | 86.7227% | 2,948 |
| Equity capital to assets | 10.0534% | 4,251 |
| Core capital (leverage) ratio | 10.2724% | 3,076 |
| Tier 1 risk-based capital ratio | 15.2204% | 3,618 |
| Total risk-based capital ratio | 15.8248% | 4,011 |
| Memoranda: | ||
| Average total assets | $48,052,000 | 6,380 |
| Average earning assets | $42,935,670 | 6,383 |
| Average equity | $4,781,670 | 6,456 |
| Average total loans | $27,151,000 | 6,196 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 2,459 |
| Cost of funding earning assets | 0.2774% | 6,914 |
| Net interest margin | 4.5678% | 872 |
| Noninterest income to average assets | 0.5320% | 3,686 |
| Noninterest expense to average assets | 2.7018% | 4,420 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9370% | 472 |
| Return on assets (ROA) | 1.9370% | 541 |
| Pretax return on assets | 1.9370% | 821 |
| Return on Equity (ROE) | 19.5654% | 406 |
| Retained earnings to average equity (ytd only) | 6.7177% | 2,571 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2437% | 5,879 |
| Assets per employee ($millions) | 4.7225% | 2,634 |
| Cash dividends to net income (ytd only)* | 65.6652% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 6,020 |
| Loan loss allowance to noncurrent loans | 33.9667% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 1.7830% | 3,193 |
| Noncurrent loans to loans | 3.1426% | 2,041 |
| Net loans and leases to total assets | 56.1292% | 4,358 |
| Net loans and leases to deposits | 64.9841% | 4,492 |
| Net loans and leases to core deposits | 68.6052% | 4,610 |
| Total domestic deposits to total assets | 86.3737% | 3,319 |
| Equity capital to assets | 10.1556% | 3,906 |
| Core capital (leverage) ratio | 10.1327% | 3,201 |
| Tier 1 risk-based capital ratio | 15.7217% | 3,330 |
| Total risk-based capital ratio | 16.3509% | 3,651 |
| Memoranda: | ||
| Average total assets | $48,116,000 | 6,428 |
| Average earning assets | $43,259,500 | 6,419 |
| Average equity | $4,763,500 | 6,491 |
| Average total loans | $26,716,500 | 6,267 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0384% | 2,718 |
| Cost of funding earning assets | 0.3552% | 6,999 |
| Net interest margin | 4.6832% | 779 |
| Noninterest income to average assets | 0.5784% | 3,306 |
| Noninterest expense to average assets | 2.8505% | 4,163 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.9295% | 360 |
| Return on assets (ROA) | 1.9447% | 371 |
| Pretax return on assets | 1.9447% | 602 |
| Return on Equity (ROE) | 19.3949% | 291 |
| Retained earnings to average equity (ytd only) | 5.2895% | 2,457 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6347% | 5,815 |
| Assets per employee ($millions) | 4.9007% | 2,320 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 5,911 |
| Loan loss allowance to noncurrent loans | 40.5674% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 1.4386% | 3,828 |
| Noncurrent loans to loans | 2.6464% | 2,455 |
| Net loans and leases to total assets | 53.7760% | 5,071 |
| Net loans and leases to deposits | 61.5877% | 5,295 |
| Net loans and leases to core deposits | 64.8474% | 5,379 |
| Total domestic deposits to total assets | 87.3161% | 2,571 |
| Equity capital to assets | 9.6537% | 4,670 |
| Core capital (leverage) ratio | 10.1304% | 3,193 |
| Tier 1 risk-based capital ratio | 15.3972% | 3,389 |
| Total risk-based capital ratio | 16.0207% | 3,757 |
| Memoranda: | ||
| Average total assets | $45,815,800 | 6,484 |
| Average earning assets | $41,104,600 | 6,490 |
| Average equity | $4,594,000 | 6,560 |
| Average total loans | $26,160,200 | 6,344 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0897% | 2,651 |
| Cost of funding earning assets | 0.3664% | 7,095 |
| Net interest margin | 4.7233% | 725 |
| Noninterest income to average assets | 0.5864% | 3,253 |
| Noninterest expense to average assets | 2.8995% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.9251% | 408 |
| Return on assets (ROA) | 1.9458% | 424 |
| Pretax return on assets | 1.9458% | 701 |
| Return on Equity (ROE) | 19.2111% | 365 |
| Retained earnings to average equity (ytd only) | 5.7896% | 2,685 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0982% | 5,701 |
| Assets per employee ($millions) | 4.3566% | 3,163 |
| Cash dividends to net income (ytd only)* | 69.8623% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 6,207 |
| Loan loss allowance to noncurrent loans | 40.2817% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 1.6297% | 3,642 |
| Noncurrent loans to loans | 2.5138% | 2,755 |
| Net loans and leases to total assets | 64.1739% | 3,270 |
| Net loans and leases to deposits | 75.5703% | 3,392 |
| Net loans and leases to core deposits | 80.2330% | 3,600 |
| Total domestic deposits to total assets | 84.9194% | 3,807 |
| Equity capital to assets | 10.8020% | 3,353 |
| Core capital (leverage) ratio | 10.5312% | 2,831 |
| Tier 1 risk-based capital ratio | 14.9874% | 3,666 |
| Total risk-based capital ratio | 15.5776% | 4,070 |
| Memoranda: | ||
| Average total assets | $45,018,000 | 6,559 |
| Average earning assets | $40,394,500 | 6,568 |
| Average equity | $4,559,750 | 6,623 |
| Average total loans | $26,040,250 | 6,422 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 3,717 |
| Cost of funding earning assets | 0.3794% | 7,173 |
| Net interest margin | 4.4991% | 1,132 |
| Noninterest income to average assets | 0.5802% | 3,262 |
| Noninterest expense to average assets | 2.7823% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8109% | 489 |
| Return on assets (ROA) | 1.8109% | 524 |
| Pretax return on assets | 1.8109% | 862 |
| Return on Equity (ROE) | 18.2665% | 444 |
| Retained earnings to average equity (ytd only) | 4.6996% | 3,194 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5742% | 5,785 |
| Assets per employee ($millions) | 4.6531% | 2,610 |
| Cash dividends to net income (ytd only)* | 74.2718% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 6,126 |
| Loan loss allowance to noncurrent loans | 23.2520% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 2.6434% | 2,525 |
| Noncurrent loans to loans | 4.5321% | 1,455 |
| Net loans and leases to total assets | 57.7121% | 4,684 |
| Net loans and leases to deposits | 66.8709% | 4,875 |
| Net loans and leases to core deposits | 69.7398% | 5,101 |
| Total domestic deposits to total assets | 86.3038% | 3,153 |
| Equity capital to assets | 9.9418% | 4,233 |
| Core capital (leverage) ratio | 10.3865% | 2,846 |
| Tier 1 risk-based capital ratio | 14.5184% | 3,771 |
| Total risk-based capital ratio | 15.0857% | 4,252 |
| Memoranda: | ||
| Average total assets | $45,502,000 | 6,612 |
| Average earning assets | $40,585,670 | 6,615 |
| Average equity | $4,511,000 | 6,676 |
| Average total loans | $25,305,670 | 6,525 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 4,211 |
| Cost of funding earning assets | 0.3803% | 7,266 |
| Net interest margin | 4.3886% | 1,315 |
| Noninterest income to average assets | 0.5690% | 3,374 |
| Noninterest expense to average assets | 2.8897% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6805% | 592 |
| Return on assets (ROA) | 1.6805% | 626 |
| Pretax return on assets | 1.6805% | 1,015 |
| Return on Equity (ROE) | 16.9754% | 572 |
| Retained earnings to average equity (ytd only) | 3.2334% | 4,236 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2296% | 5,482 |
| Assets per employee ($millions) | 4.4137% | 3,025 |
| Cash dividends to net income (ytd only)* | 80.9524% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 5,769 |
| Loan loss allowance to noncurrent loans | 39.9441% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 1.6222% | 3,816 |
| Noncurrent loans to loans | 2.9290% | 2,564 |
| Net loans and leases to total assets | 54.7364% | 5,207 |
| Net loans and leases to deposits | 64.0754% | 5,244 |
| Net loans and leases to core deposits | 67.0097% | 5,398 |
| Total domestic deposits to total assets | 85.4249% | 3,824 |
| Equity capital to assets | 10.1276% | 3,616 |
| Core capital (leverage) ratio | 10.0383% | 3,097 |
| Tier 1 risk-based capital ratio | 15.5035% | 3,162 |
| Total risk-based capital ratio | 16.2259% | 3,402 |
| Memoranda: | ||
| Average total assets | $44,987,500 | 6,668 |
| Average earning assets | $41,015,000 | 6,646 |
| Average equity | $4,453,500 | 6,721 |
| Average total loans | $24,388,500 | 6,619 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4219% | 2,572 |
| Cost of funding earning assets | 0.5286% | 7,257 |
| Net interest margin | 4.8933% | 558 |
| Noninterest income to average assets | 0.6283% | 3,298 |
| Noninterest expense to average assets | 4.2307% | 874 |
| Loan and lease loss provision to assets | 0.0183% | 6,930 |
| Net operating income to assets | 0.9218% | 2,311 |
| Return on assets (ROA) | 0.9218% | 2,432 |
| Pretax return on assets | 0.9218% | 3,191 |
| Return on Equity (ROE) | 8.5061% | 2,498 |
| Retained earnings to average equity (ytd only) | -5.1841% | 6,323 |
| Net charge-offs to loans | 0.0192% | 6,621 |
| Credit loss provision to net charge-offs | 160.0000% | 2,182 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 293 |
| Efficiency ratio | 81.8182% | 2,191 |
| Assets per employee ($millions) | 4.1671% | 3,441 |
| Cash dividends to net income (ytd only)* | 160.9453% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 5,621 |
| Loan loss allowance to noncurrent loans | 40.1122% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 1.5555% | 3,974 |
| Noncurrent loans to loans | 2.9303% | 2,604 |
| Net loans and leases to total assets | 52.4587% | 5,850 |
| Net loans and leases to deposits | 59.9636% | 6,064 |
| Net loans and leases to core deposits | 62.5384% | 6,191 |
| Total domestic deposits to total assets | 87.4842% | 2,559 |
| Equity capital to assets | 9.6797% | 4,170 |
| Core capital (leverage) ratio | 9.7883% | 3,332 |
| Tier 1 risk-based capital ratio | 15.3982% | 3,045 |
| Total risk-based capital ratio | 15.9000% | 3,414 |
| Memoranda: | ||
| Average total assets | $43,609,400 | 6,748 |
| Average earning assets | $40,484,200 | 6,694 |
| Average equity | $4,726,000 | 6,751 |
| Average total loans | $26,075,000 | 6,609 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5708% | 2,172 |
| Cost of funding earning assets | 0.5687% | 7,350 |
| Net interest margin | 5.0021% | 443 |
| Noninterest income to average assets | 0.6411% | 3,178 |
| Noninterest expense to average assets | 3.3075% | 2,550 |
| Loan and lease loss provision to assets | 0.0248% | 6,817 |
| Net operating income to assets | 1.9666% | 355 |
| Return on assets (ROA) | 1.9666% | 384 |
| Pretax return on assets | 1.9666% | 666 |
| Return on Equity (ROE) | 17.6450% | 511 |
| Retained earnings to average equity (ytd only) | 2.3896% | 4,740 |
| Net charge-offs to loans | 0.0252% | 6,323 |
| Credit loss provision to net charge-offs | 160.0000% | 2,367 |
| Earnings coverage of net charge-offs (x) | 128.5322% | 247 |
| Efficiency ratio | 62.4196% | 5,536 |
| Assets per employee ($millions) | 3.6371% | 4,647 |
| Cash dividends to net income (ytd only)* | 86.4560% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 6,340 |
| Loan loss allowance to noncurrent loans | 40.1122% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 1.6336% | 3,988 |
| Noncurrent loans to loans | 2.5243% | 3,097 |
| Net loans and leases to total assets | 64.0623% | 4,116 |
| Net loans and leases to deposits | 73.9780% | 4,515 |
| Net loans and leases to core deposits | 78.9942% | 4,663 |
| Total domestic deposits to total assets | 86.5964% | 2,759 |
| Equity capital to assets | 11.1032% | 2,847 |
| Core capital (leverage) ratio | 11.1160% | 2,183 |
| Tier 1 risk-based capital ratio | 14.8512% | 3,327 |
| Total risk-based capital ratio | 15.3731% | 3,723 |
| Memoranda: | ||
| Average total assets | $43,052,250 | 6,852 |
| Average earning assets | $40,089,000 | 6,791 |
| Average equity | $4,798,250 | 6,811 |
| Average total loans | $26,510,750 | 6,678 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5028% | 2,501 |
| Cost of funding earning assets | 0.5981% | 7,412 |
| Net interest margin | 4.9046% | 532 |
| Noninterest income to average assets | 0.6254% | 3,163 |
| Noninterest expense to average assets | 3.2062% | 2,876 |
| Loan and lease loss provision to assets | 0.0373% | 6,586 |
| Net operating income to assets | 1.9741% | 345 |
| Return on assets (ROA) | 1.9741% | 382 |
| Pretax return on assets | 1.9741% | 634 |
| Return on Equity (ROE) | 17.6901% | 498 |
| Retained earnings to average equity (ytd only) | 3.3875% | 3,954 |
| Net charge-offs to loans | 0.0386% | 5,823 |
| Credit loss provision to net charge-offs | 160.0000% | 2,459 |
| Earnings coverage of net charge-offs (x) | 86.2000% | 373 |
| Efficiency ratio | 61.4490% | 5,778 |
| Assets per employee ($millions) | 3.8804% | 4,033 |
| Cash dividends to net income (ytd only)* | 80.8511% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 6,239 |
| Loan loss allowance to noncurrent loans | 453.9683% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 7,022 |
| Noncurrent loans to loans | 0.2287% | 6,786 |
| Net loans and leases to total assets | 63.8811% | 4,291 |
| Net loans and leases to deposits | 73.8263% | 4,703 |
| Net loans and leases to core deposits | 79.7654% | 4,717 |
| Total domestic deposits to total assets | 86.5289% | 2,801 |
| Equity capital to assets | 11.3391% | 2,561 |
| Core capital (leverage) ratio | 11.2839% | 2,042 |
| Tier 1 risk-based capital ratio | 15.2094% | 3,054 |
| Total risk-based capital ratio | 15.7764% | 3,394 |
| Memoranda: | ||
| Average total assets | $42,854,670 | 6,907 |
| Average earning assets | $40,125,330 | 6,838 |
| Average equity | $4,782,330 | 6,850 |
| Average total loans | $25,932,330 | 6,749 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3448% | 3,317 |
| Cost of funding earning assets | 0.6159% | 7,515 |
| Net interest margin | 4.7288% | 735 |
| Noninterest income to average assets | 0.6428% | 2,976 |
| Noninterest expense to average assets | 3.3069% | 2,511 |
| Loan and lease loss provision to assets | 0.0559% | 6,102 |
| Net operating income to assets | 1.7140% | 597 |
| Return on assets (ROA) | 1.7140% | 652 |
| Pretax return on assets | 1.7140% | 1,035 |
| Return on Equity (ROE) | 15.4833% | 805 |
| Retained earnings to average equity (ytd only) | -0.4207% | 5,927 |
| Net charge-offs to loans | 0.0796% | 4,625 |
| Credit loss provision to net charge-offs | 120.0000% | 2,902 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 722 |
| Efficiency ratio | 65.1376% | 5,285 |
| Assets per employee ($millions) | 3.8415% | 4,221 |
| Cash dividends to net income (ytd only)* | 102.7174% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 5,987 |
| Loan loss allowance to noncurrent loans | 14,200.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 7,494 |
| Noncurrent loans to loans | 0.0078% | 7,402 |
| Net loans and leases to total assets | 60.1770% | 5,093 |
| Net loans and leases to deposits | 69.2530% | 5,437 |
| Net loans and leases to core deposits | 75.7605% | 5,293 |
| Total domestic deposits to total assets | 86.8945% | 2,679 |
| Equity capital to assets | 11.2171% | 2,570 |
| Core capital (leverage) ratio | 10.9518% | 2,263 |
| Tier 1 risk-based capital ratio | 15.8295% | 2,714 |
| Total risk-based capital ratio | 16.4877% | 2,949 |
| Memoranda: | ||
| Average total assets | $42,940,000 | 6,985 |
| Average earning assets | $40,263,500 | 6,920 |
| Average equity | $4,753,500 | 6,930 |
| Average total loans | $25,122,000 | 6,877 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8056% | 2,634 |
| Cost of funding earning assets | 0.8924% | 7,419 |
| Net interest margin | 4.9132% | 543 |
| Noninterest income to average assets | 0.6173% | 3,508 |
| Noninterest expense to average assets | 3.1897% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.0279% | 220 |
| Return on assets (ROA) | 2.0420% | 227 |
| Pretax return on assets | 2.0420% | 378 |
| Return on Equity (ROE) | 18.0072% | 370 |
| Retained earnings to average equity (ytd only) | 1.0556% | 4,303 |
| Net charge-offs to loans | 0.0200% | 6,944 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 172.8000% | 164 |
| Efficiency ratio | 61.1336% | 6,312 |
| Assets per employee ($millions) | 3.9657% | 3,887 |
| Cash dividends to net income (ytd only)* | 94.1379% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,626 |
| Loan loss allowance to noncurrent loans | 3,537.5000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 7,482 |
| Noncurrent loans to loans | 0.0326% | 7,348 |
| Net loans and leases to total assets | 55.5854% | 6,015 |
| Net loans and leases to deposits | 64.8793% | 6,171 |
| Net loans and leases to core deposits | 71.1377% | 6,702 |
| Total domestic deposits to total assets | 85.6750% | 3,183 |
| Equity capital to assets | 10.9277% | 2,756 |
| Core capital (leverage) ratio | 11.1978% | 2,107 |
| Tier 1 risk-based capital ratio | 16.4419% | 2,344 |
| Total risk-based capital ratio | 17.1705% | 2,485 |
| Memoranda: | ||
| Average total assets | $42,606,200 | 7,009 |
| Average earning assets | $39,892,800 | 6,945 |
| Average equity | $4,831,400 | 7,010 |
| Average total loans | $25,053,800 | 6,914 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9268% | 2,329 |
| Cost of funding earning assets | 0.9553% | 7,477 |
| Net interest margin | 4.9715% | 471 |
| Noninterest income to average assets | 0.6107% | 3,617 |
| Noninterest expense to average assets | 3.1324% | 3,527 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.1313% | 218 |
| Return on assets (ROA) | 2.1439% | 234 |
| Pretax return on assets | 2.1439% | 404 |
| Return on Equity (ROE) | 18.7309% | 380 |
| Retained earnings to average equity (ytd only) | 3.1356% | 3,566 |
| Net charge-offs to loans | 0.0265% | 6,510 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 135.3283% | 284 |
| Efficiency ratio | 59.5096% | 6,477 |
| Assets per employee ($millions) | 3.7140% | 4,391 |
| Cash dividends to net income (ytd only)* | 83.2595% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 5,762 |
| Loan loss allowance to noncurrent loans | 1,886.6667% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 7,487 |
| Noncurrent loans to loans | 0.0580% | 7,357 |
| Net loans and leases to total assets | 62.5936% | 5,141 |
| Net loans and leases to deposits | 73.4997% | 5,446 |
| Net loans and leases to core deposits | 81.0035% | 6,272 |
| Total domestic deposits to total assets | 85.1618% | 3,144 |
| Equity capital to assets | 11.9450% | 2,269 |
| Core capital (leverage) ratio | 11.5655% | 2,035 |
| Tier 1 risk-based capital ratio | 16.3476% | 2,496 |
| Total risk-based capital ratio | 17.0384% | 2,644 |
| Memoranda: | ||
| Average total assets | $42,352,000 | 7,067 |
| Average earning assets | $39,638,250 | 7,008 |
| Average equity | $4,847,500 | 7,059 |
| Average total loans | $25,184,500 | 6,960 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9079% | 2,552 |
| Cost of funding earning assets | 0.9946% | 7,560 |
| Net interest margin | 4.9133% | 522 |
| Noninterest income to average assets | 0.5694% | 3,900 |
| Noninterest expense to average assets | 3.0011% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.1796% | 204 |
| Return on assets (ROA) | 2.1796% | 224 |
| Pretax return on assets | 2.1796% | 375 |
| Return on Equity (ROE) | 19.3108% | 383 |
| Retained earnings to average equity (ytd only) | 3.6802% | 3,247 |
| Net charge-offs to loans | 0.0401% | 5,911 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 93.4000% | 409 |
| Efficiency ratio | 57.9279% | 6,876 |
| Assets per employee ($millions) | 3.9210% | 3,833 |
| Cash dividends to net income (ytd only)* | 80.9422% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 5,638 |
| Loan loss allowance to noncurrent loans | 1,572.2222% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 7,500 |
| Noncurrent loans to loans | 0.0696% | 7,350 |
| Net loans and leases to total assets | 59.2683% | 5,795 |
| Net loans and leases to deposits | 68.2189% | 6,165 |
| Net loans and leases to core deposits | 76.6001% | 6,638 |
| Total domestic deposits to total assets | 86.8795% | 2,316 |
| Equity capital to assets | 11.2634% | 2,702 |
| Core capital (leverage) ratio | 11.2911% | 2,203 |
| Tier 1 risk-based capital ratio | 15.9800% | 2,633 |
| Total risk-based capital ratio | 16.6385% | 2,787 |
| Memoranda: | ||
| Average total assets | $42,851,330 | 7,101 |
| Average earning assets | $40,217,670 | 7,047 |
| Average equity | $4,836,670 | 7,129 |
| Average total loans | $24,961,000 | 7,032 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9999% | 2,367 |
| Cost of funding earning assets | 1.0682% | 7,567 |
| Net interest margin | 4.9317% | 473 |
| Noninterest income to average assets | 0.5806% | 3,682 |
| Noninterest expense to average assets | 3.0343% | 3,609 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1727% | 244 |
| Return on assets (ROA) | 2.1727% | 282 |
| Pretax return on assets | 2.1727% | 463 |
| Return on Equity (ROE) | 19.2292% | 485 |
| Retained earnings to average equity (ytd only) | 3.5640% | 3,913 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2734% | 6,656 |
| Assets per employee ($millions) | 3.8504% | 3,981 |
| Cash dividends to net income (ytd only)* | 81.4655% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 5,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 57.7938% | 5,974 |
| Net loans and leases to deposits | 69.8274% | 5,995 |
| Net loans and leases to core deposits | 76.9337% | 6,614 |
| Total domestic deposits to total assets | 82.7667% | 4,262 |
| Equity capital to assets | 11.3779% | 2,669 |
| Core capital (leverage) ratio | 11.0780% | 2,449 |
| Tier 1 risk-based capital ratio | 16.5472% | 2,498 |
| Total risk-based capital ratio | 17.3276% | 2,600 |
| Memoranda: | ||
| Average total assets | $42,711,500 | 7,143 |
| Average earning assets | $40,067,500 | 7,096 |
| Average equity | $4,826,000 | 7,178 |
| Average total loans | $24,518,500 | 7,098 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7260% | 1,935 |
| Cost of funding earning assets | 1.5022% | 7,607 |
| Net interest margin | 5.2238% | 321 |
| Noninterest income to average assets | 0.7962% | 2,539 |
| Noninterest expense to average assets | 3.1874% | 3,382 |
| Loan and lease loss provision to assets | -0.0488% | 8,233 |
| Net operating income to assets | 2.5328% | 119 |
| Return on assets (ROA) | 2.5328% | 117 |
| Pretax return on assets | 2.5328% | 182 |
| Return on Equity (ROE) | 22.1401% | 249 |
| Retained earnings to average equity (ytd only) | 1.9642% | 4,009 |
| Net charge-offs to loans | -0.0815% | 8,069 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2016% | 6,977 |
| Assets per employee ($millions) | 3.9154% | 3,692 |
| Cash dividends to net income (ytd only)* | 91.1283% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 4,649 |
| Loan loss allowance to noncurrent loans | 244.0678% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 6,481 |
| Noncurrent loans to loans | 0.4862% | 5,891 |
| Net loans and leases to total assets | 55.6851% | 6,465 |
| Net loans and leases to deposits | 67.3396% | 6,522 |
| Net loans and leases to core deposits | 76.9080% | 6,804 |
| Total domestic deposits to total assets | 82.6929% | 3,897 |
| Equity capital to assets | 11.2215% | 2,868 |
| Core capital (leverage) ratio | 11.0719% | 2,536 |
| Tier 1 risk-based capital ratio | 16.4950% | 2,490 |
| Total risk-based capital ratio | 17.2872% | 2,596 |
| Memoranda: | ||
| Average total assets | $40,943,000 | 7,173 |
| Average earning assets | $38,210,000 | 7,125 |
| Average equity | $4,683,800 | 7,262 |
| Average total loans | $24,553,400 | 7,053 |