Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6826% | 2,718 |
| Cost of funding earning assets | 0.4339% | 4,260 |
| Net interest margin | 4.2487% | 881 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.7664% | 1,585 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.6328% | 821 |
| Return on assets (ROA) | 1.2508% | 1,512 |
| Pretax return on assets | 1.2508% | 2,007 |
| Return on Equity (ROE) | 24.8800% | 317 |
| Retained earnings to average equity (ytd only) | 9.5059% | 1,131 |
| Net charge-offs to loans | 0.0730% | 1,127 |
| Credit loss provision to net charge-offs | 111.1111% | 1,750 |
| Earnings coverage of net charge-offs (x) | 60.7222% | 1,183 |
| Efficiency ratio | 62.4528% | 2,787 |
| Assets per employee ($millions) | 6.2928% | 2,562 |
| Cash dividends to net income (ytd only)* | 61.8005% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1684% | 293 |
| Loan loss allowance to noncurrent loans | 213.1687% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 1,433 |
| Noncurrent loans to loans | 1.0172% | 727 |
| Net loans and leases to total assets | 37.1400% | 4,123 |
| Net loans and leases to deposits | 39.7682% | 4,206 |
| Net loans and leases to core deposits | 43.0326% | 4,221 |
| Total domestic deposits to total assets | 93.3900% | 145 |
| Equity capital to assets | 6.0688% | 4,221 |
| Core capital (leverage) ratio | 8.5123% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6905% | 499 |
| Memoranda: | ||
| Average total assets | $65,717,000 | 4,154 |
| Average earning assets | $59,924,400 | 4,139 |
| Average equity | $3,303,200 | 4,406 |
| Average total loans | $24,667,800 | 4,219 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6060% | 2,661 |
| Cost of funding earning assets | 0.4201% | 4,234 |
| Net interest margin | 4.1859% | 941 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.6600% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7687% | 703 |
| Return on assets (ROA) | 1.2567% | 1,633 |
| Pretax return on assets | 1.2567% | 2,158 |
| Return on Equity (ROE) | 26.2900% | 342 |
| Retained earnings to average equity (ytd only) | 22.0519% | 192 |
| Net charge-offs to loans | 0.0375% | 1,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 125.8571% | 818 |
| Efficiency ratio | 60.0635% | 2,957 |
| Assets per employee ($millions) | 7.1022% | 1,877 |
| Cash dividends to net income (ytd only)* | 16.1342% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0821% | 347 |
| Loan loss allowance to noncurrent loans | 209.4650% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 1,516 |
| Noncurrent loans to loans | 0.9940% | 817 |
| Net loans and leases to total assets | 37.4500% | 4,136 |
| Net loans and leases to deposits | 39.9030% | 4,206 |
| Net loans and leases to core deposits | 41.9911% | 4,216 |
| Total domestic deposits to total assets | 93.8500% | 196 |
| Equity capital to assets | 5.3927% | 4,169 |
| Core capital (leverage) ratio | 8.6286% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5460% | 511 |
| Memoranda: | ||
| Average total assets | $66,414,250 | 4,164 |
| Average earning assets | $60,933,000 | 4,144 |
| Average equity | $3,174,250 | 4,428 |
| Average total loans | $24,862,500 | 4,231 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5085% | 2,625 |
| Cost of funding earning assets | 0.4151% | 4,138 |
| Net interest margin | 4.0934% | 1,093 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.6113% | 1,897 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8321% | 619 |
| Return on assets (ROA) | 1.1897% | 1,848 |
| Pretax return on assets | 1.1897% | 2,386 |
| Return on Equity (ROE) | 25.9500% | 337 |
| Retained earnings to average equity (ytd only) | 19.8486% | 253 |
| Net charge-offs to loans | 0.0240% | 1,404 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 205.3333% | 592 |
| Efficiency ratio | 58.7684% | 3,103 |
| Assets per employee ($millions) | 6.5893% | 2,223 |
| Cash dividends to net income (ytd only)* | 23.5000% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1953% | 308 |
| Loan loss allowance to noncurrent loans | 209.3878% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 1,434 |
| Noncurrent loans to loans | 1.0484% | 704 |
| Net loans and leases to total assets | 34.6900% | 4,222 |
| Net loans and leases to deposits | 36.8065% | 4,284 |
| Net loans and leases to core deposits | 39.7223% | 4,266 |
| Total domestic deposits to total assets | 94.2400% | 135 |
| Equity capital to assets | 5.0825% | 4,368 |
| Core capital (leverage) ratio | 7.9376% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1551% | 623 |
| Memoranda: | ||
| Average total assets | $67,245,667 | 4,175 |
| Average earning assets | $62,149,000 | 4,158 |
| Average equity | $3,083,333 | 4,465 |
| Average total loans | $25,001,333 | 4,247 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3442% | 2,694 |
| Cost of funding earning assets | 0.3636% | 4,043 |
| Net interest margin | 3.9807% | 1,299 |
| Noninterest income to average assets | 0.9100% | 670 |
| Noninterest expense to average assets | 2.6148% | 1,910 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0317% | 465 |
| Return on assets (ROA) | 0.7597% | 3,272 |
| Pretax return on assets | 0.7597% | 3,545 |
| Return on Equity (ROE) | 17.4900% | 1,103 |
| Retained earnings to average equity (ytd only) | 16.6751% | 622 |
| Net charge-offs to loans | 0.0155% | 1,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 345.0000% | 326 |
| Efficiency ratio | 56.2738% | 3,377 |
| Assets per employee ($millions) | 6.9660% | 1,999 |
| Cash dividends to net income (ytd only)* | 4.6512% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1502% | 343 |
| Loan loss allowance to noncurrent loans | 199.6124% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 1,392 |
| Noncurrent loans to loans | 1.0772% | 664 |
| Net loans and leases to total assets | 33.6400% | 4,275 |
| Net loans and leases to deposits | 35.5123% | 4,341 |
| Net loans and leases to core deposits | 39.1043% | 4,292 |
| Total domestic deposits to total assets | 94.7400% | 113 |
| Equity capital to assets | 4.7502% | 4,456 |
| Core capital (leverage) ratio | 7.5731% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1834% | 426 |
| Memoranda: | ||
| Average total assets | $67,922,000 | 4,223 |
| Average earning assets | $63,808,500 | 4,198 |
| Average equity | $2,950,500 | 4,543 |
| Average total loans | $25,818,000 | 4,293 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4799% | 3,134 |
| Cost of funding earning assets | 0.1221% | 4,272 |
| Net interest margin | 3.3578% | 2,392 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.4695% | 2,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1007% | 2,170 |
| Return on assets (ROA) | 0.5335% | 3,982 |
| Pretax return on assets | 0.5335% | 4,124 |
| Return on Equity (ROE) | 10.3700% | 2,690 |
| Retained earnings to average equity (ytd only) | -3.8462% | 4,545 |
| Net charge-offs to loans | 0.0624% | 1,028 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 44.1765% | 1,443 |
| Efficiency ratio | 69.1708% | 1,802 |
| Assets per employee ($millions) | 6.0167% | 2,747 |
| Cash dividends to net income (ytd only)* | 137.0879% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8638% | 579 |
| Loan loss allowance to noncurrent loans | 17,200.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,879 |
| Noncurrent loans to loans | 0.0108% | 3,761 |
| Net loans and leases to total assets | 41.0500% | 4,026 |
| Net loans and leases to deposits | 42.9556% | 4,149 |
| Net loans and leases to core deposits | 46.3342% | 4,109 |
| Total domestic deposits to total assets | 95.5700% | 102 |
| Equity capital to assets | 3.9164% | 4,527 |
| Core capital (leverage) ratio | 7.6431% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7014% | 651 |
| Memoranda: | ||
| Average total assets | $68,231,400 | 4,244 |
| Average earning assets | $64,685,400 | 4,210 |
| Average equity | $3,510,000 | 4,566 |
| Average total loans | $27,255,800 | 4,278 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3063% | 3,160 |
| Cost of funding earning assets | 0.0940% | 4,327 |
| Net interest margin | 3.2123% | 2,588 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.3682% | 2,422 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0551% | 2,269 |
| Return on assets (ROA) | 1.0551% | 2,231 |
| Pretax return on assets | 1.0551% | 2,859 |
| Return on Equity (ROE) | 19.4000% | 489 |
| Retained earnings to average equity (ytd only) | 15.6880% | 301 |
| Net charge-offs to loans | 0.0786% | 751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,458 |
| Efficiency ratio | 69.1785% | 1,868 |
| Assets per employee ($millions) | 5.8615% | 2,889 |
| Cash dividends to net income (ytd only)* | 19.1176% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9067% | 593 |
| Loan loss allowance to noncurrent loans | 7,385.7143% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 3,870 |
| Noncurrent loans to loans | 0.0258% | 3,717 |
| Net loans and leases to total assets | 41.2500% | 4,015 |
| Net loans and leases to deposits | 43.2403% | 4,138 |
| Net loans and leases to core deposits | 46.7255% | 4,072 |
| Total domestic deposits to total assets | 95.4000% | 178 |
| Equity capital to assets | 3.8371% | 4,494 |
| Core capital (leverage) ratio | 8.3528% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3770% | 370 |
| Memoranda: | ||
| Average total assets | $68,743,250 | 4,274 |
| Average earning assets | $65,247,000 | 4,233 |
| Average equity | $3,739,500 | 4,594 |
| Average total loans | $27,148,500 | 4,313 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1247% | 3,246 |
| Cost of funding earning assets | 0.0779% | 4,399 |
| Net interest margin | 3.0468% | 2,734 |
| Noninterest income to average assets | 0.3649% | 2,961 |
| Noninterest expense to average assets | 2.3259% | 2,472 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9378% | 2,413 |
| Return on assets (ROA) | 0.9378% | 2,388 |
| Pretax return on assets | 0.9378% | 2,938 |
| Return on Equity (ROE) | 15.8122% | 733 |
| Retained earnings to average equity (ytd only) | 11.2945% | 741 |
| Net charge-offs to loans | 0.1105% | 548 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 21.9333% | 1,514 |
| Efficiency ratio | 71.2664% | 1,799 |
| Assets per employee ($millions) | 6.7608% | 2,108 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9265% | 627 |
| Loan loss allowance to noncurrent loans | 5,755.5556% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 3,891 |
| Noncurrent loans to loans | 0.0335% | 3,698 |
| Net loans and leases to total assets | 39.0043% | 4,121 |
| Net loans and leases to deposits | 41.2450% | 4,218 |
| Net loans and leases to core deposits | 45.5858% | 4,137 |
| Total domestic deposits to total assets | 94.5672% | 193 |
| Equity capital to assets | 4.7864% | 4,521 |
| Core capital (leverage) ratio | 7.7133% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6646% | 491 |
| Memoranda: | ||
| Average total assets | $70,165,667 | 4,306 |
| Average earning assets | $66,758,000 | 4,283 |
| Average equity | $4,161,333 | 4,606 |
| Average total loans | $27,159,667 | 4,368 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0112% | 3,225 |
| Cost of funding earning assets | 0.0647% | 4,494 |
| Net interest margin | 2.9465% | 2,685 |
| Noninterest income to average assets | 0.3695% | 2,875 |
| Noninterest expense to average assets | 2.3291% | 2,396 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8454% | 2,500 |
| Return on assets (ROA) | 0.8454% | 2,492 |
| Pretax return on assets | 0.8454% | 2,961 |
| Return on Equity (ROE) | 13.0623% | 1,018 |
| Retained earnings to average equity (ytd only) | 12.6298% | 513 |
| Net charge-offs to loans | 0.0293% | 1,022 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 75.5000% | 769 |
| Efficiency ratio | 73.3686% | 1,813 |
| Assets per employee ($millions) | 8.0254% | 1,348 |
| Cash dividends to net income (ytd only)* | 3.3113% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0322% | 590 |
| Loan loss allowance to noncurrent loans | 6,637.5000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 3,956 |
| Noncurrent loans to loans | 0.0306% | 3,772 |
| Net loans and leases to total assets | 35.4401% | 4,243 |
| Net loans and leases to deposits | 37.6646% | 4,332 |
| Net loans and leases to core deposits | 40.5513% | 4,296 |
| Total domestic deposits to total assets | 94.0938% | 106 |
| Equity capital to assets | 5.3898% | 4,679 |
| Core capital (leverage) ratio | 7.3513% | 4,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3702% | 986 |
| Memoranda: | ||
| Average total assets | $71,444,500 | 4,321 |
| Average earning assets | $68,013,500 | 4,291 |
| Average equity | $4,624,000 | 4,603 |
| Average total loans | $27,295,500 | 4,383 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1976% | 3,476 |
| Cost of funding earning assets | 0.0625% | 4,631 |
| Net interest margin | 3.1351% | 2,784 |
| Noninterest income to average assets | 0.6466% | 1,954 |
| Noninterest expense to average assets | 2.5243% | 2,112 |
| Loan and lease loss provision to assets | 0.0257% | 2,544 |
| Net operating income to assets | 1.0600% | 2,445 |
| Return on assets (ROA) | 1.0600% | 2,517 |
| Pretax return on assets | 1.0600% | 3,105 |
| Return on Equity (ROE) | 12.7523% | 1,544 |
| Retained earnings to average equity (ytd only) | 4.2265% | 3,118 |
| Net charge-offs to loans | 0.0068% | 2,325 |
| Credit loss provision to net charge-offs | 850.0000% | 584 |
| Earnings coverage of net charge-offs (x) | 358.5000% | 355 |
| Efficiency ratio | 69.9245% | 1,741 |
| Assets per employee ($millions) | 7.8511% | 1,417 |
| Cash dividends to net income (ytd only)* | 66.8571% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8727% | 765 |
| Loan loss allowance to noncurrent loans | 4,845.4545% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 3,982 |
| Noncurrent loans to loans | 0.0386% | 3,801 |
| Net loans and leases to total assets | 39.5259% | 4,118 |
| Net loans and leases to deposits | 43.0147% | 4,224 |
| Net loans and leases to core deposits | 43.9197% | 4,269 |
| Total domestic deposits to total assets | 91.8893% | 210 |
| Equity capital to assets | 7.5785% | 4,561 |
| Core capital (leverage) ratio | 7.4354% | 4,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3194% | 1,430 |
| Memoranda: | ||
| Average total assets | $66,038,600 | 4,378 |
| Average earning assets | $62,421,400 | 4,355 |
| Average equity | $5,489,200 | 4,582 |
| Average total loans | $29,547,600 | 4,382 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2370% | 3,537 |
| Cost of funding earning assets | 0.0653% | 4,711 |
| Net interest margin | 3.1716% | 2,825 |
| Noninterest income to average assets | 0.4171% | 2,998 |
| Noninterest expense to average assets | 2.5378% | 2,013 |
| Loan and lease loss provision to assets | 0.0354% | 2,292 |
| Net operating income to assets | 0.8364% | 3,428 |
| Return on assets (ROA) | 0.8364% | 3,488 |
| Pretax return on assets | 0.8364% | 3,825 |
| Return on Equity (ROE) | 9.8258% | 2,800 |
| Retained earnings to average equity (ytd only) | 7.5081% | 2,217 |
| Net charge-offs to loans | 0.0089% | 1,988 |
| Credit loss provision to net charge-offs | 850.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 212.0000% | 534 |
| Efficiency ratio | 74.4424% | 1,179 |
| Assets per employee ($millions) | 6.7997% | 2,015 |
| Cash dividends to net income (ytd only)* | 23.5872% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7498% | 1,012 |
| Loan loss allowance to noncurrent loans | 3,135.2941% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,008 |
| Noncurrent loans to loans | 0.0558% | 3,828 |
| Net loans and leases to total assets | 44.0122% | 3,952 |
| Net loans and leases to deposits | 48.3864% | 4,094 |
| Net loans and leases to core deposits | 49.6615% | 4,161 |
| Total domestic deposits to total assets | 90.9599% | 381 |
| Equity capital to assets | 8.2710% | 4,370 |
| Core capital (leverage) ratio | 8.0151% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3576% | 1,071 |
| Memoranda: | ||
| Average total assets | $64,883,250 | 4,450 |
| Average earning assets | $61,208,250 | 4,432 |
| Average equity | $5,522,750 | 4,648 |
| Average total loans | $29,819,000 | 4,438 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1930% | 3,688 |
| Cost of funding earning assets | 0.0665% | 4,760 |
| Net interest margin | 3.1265% | 2,967 |
| Noninterest income to average assets | 0.4542% | 2,825 |
| Noninterest expense to average assets | 2.5029% | 2,130 |
| Loan and lease loss provision to assets | 0.0658% | 1,728 |
| Net operating income to assets | 0.8301% | 3,423 |
| Return on assets (ROA) | 0.8301% | 3,495 |
| Pretax return on assets | 0.8301% | 3,805 |
| Return on Equity (ROE) | 9.6557% | 2,884 |
| Retained earnings to average equity (ytd only) | 6.3400% | 2,675 |
| Net charge-offs to loans | 0.0203% | 1,534 |
| Credit loss provision to net charge-offs | 700.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 95.3333% | 774 |
| Efficiency ratio | 73.6406% | 1,275 |
| Assets per employee ($millions) | 7.2347% | 1,641 |
| Cash dividends to net income (ytd only)* | 34.3396% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9174% | 709 |
| Loan loss allowance to noncurrent loans | 3,720.0000% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 4,110 |
| Noncurrent loans to loans | 0.0515% | 3,920 |
| Net loans and leases to total assets | 43.8383% | 4,051 |
| Net loans and leases to deposits | 48.2529% | 4,199 |
| Net loans and leases to core deposits | 49.8002% | 4,240 |
| Total domestic deposits to total assets | 90.8511% | 417 |
| Equity capital to assets | 8.5007% | 4,202 |
| Core capital (leverage) ratio | 7.9271% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8717% | 1,672 |
| Memoranda: | ||
| Average total assets | $63,845,333 | 4,493 |
| Average earning assets | $60,132,000 | 4,469 |
| Average equity | $5,489,000 | 4,678 |
| Average total loans | $29,605,333 | 4,473 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4163% | 3,148 |
| Cost of funding earning assets | 0.0738% | 4,781 |
| Net interest margin | 3.3425% | 2,267 |
| Noninterest income to average assets | 0.5505% | 2,405 |
| Noninterest expense to average assets | 2.4995% | 2,176 |
| Loan and lease loss provision to assets | 0.1076% | 1,281 |
| Net operating income to assets | 1.0947% | 2,497 |
| Return on assets (ROA) | 1.0947% | 2,572 |
| Pretax return on assets | 1.0947% | 3,125 |
| Return on Equity (ROE) | 12.6601% | 1,766 |
| Retained earnings to average equity (ytd only) | 12.2210% | 1,093 |
| Net charge-offs to loans | -0.0268% | 4,122 |
| Credit loss provision to net charge-offs | -850.0000% | 3,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5214% | 2,007 |
| Assets per employee ($millions) | 7.0202% | 1,792 |
| Cash dividends to net income (ytd only)* | 3.4682% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9119% | 724 |
| Loan loss allowance to noncurrent loans | 55,900.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,403 |
| Noncurrent loans to loans | 0.0034% | 4,313 |
| Net loans and leases to total assets | 45.3911% | 4,010 |
| Net loans and leases to deposits | 49.9991% | 4,154 |
| Net loans and leases to core deposits | 51.6534% | 4,211 |
| Total domestic deposits to total assets | 90.7838% | 479 |
| Equity capital to assets | 8.6797% | 3,977 |
| Core capital (leverage) ratio | 8.1748% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8463% | 2,349 |
| Memoranda: | ||
| Average total assets | $63,212,000 | 4,517 |
| Average earning assets | $59,596,000 | 4,493 |
| Average equity | $5,466,000 | 4,695 |
| Average total loans | $29,857,000 | 4,494 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7333% | 3,487 |
| Cost of funding earning assets | 0.1228% | 4,805 |
| Net interest margin | 3.6105% | 2,108 |
| Noninterest income to average assets | 0.3805% | 3,209 |
| Noninterest expense to average assets | 2.6467% | 2,395 |
| Loan and lease loss provision to assets | 0.2779% | 1,376 |
| Net operating income to assets | 0.8602% | 2,861 |
| Return on assets (ROA) | 0.8602% | 2,999 |
| Pretax return on assets | 0.8602% | 3,479 |
| Return on Equity (ROE) | 9.6780% | 2,130 |
| Retained earnings to average equity (ytd only) | 1.3773% | 4,073 |
| Net charge-offs to loans | 0.1571% | 1,045 |
| Credit loss provision to net charge-offs | 373.3333% | 1,514 |
| Earnings coverage of net charge-offs (x) | 15.2889% | 2,178 |
| Efficiency ratio | 69.9301% | 1,956 |
| Assets per employee ($millions) | 6.3242% | 2,069 |
| Cash dividends to net income (ytd only)* | 85.7692% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 903 |
| Loan loss allowance to noncurrent loans | 2,250.0000% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 4,163 |
| Noncurrent loans to loans | 0.0788% | 3,976 |
| Net loans and leases to total assets | 47.3356% | 4,022 |
| Net loans and leases to deposits | 52.1170% | 4,213 |
| Net loans and leases to core deposits | 54.3264% | 4,243 |
| Total domestic deposits to total assets | 90.8257% | 268 |
| Equity capital to assets | 8.6145% | 4,360 |
| Core capital (leverage) ratio | 8.1324% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,452,600 | 4,509 |
| Average earning assets | $57,001,000 | 4,481 |
| Average equity | $5,373,000 | 4,709 |
| Average total loans | $28,647,200 | 4,539 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7608% | 3,659 |
| Cost of funding earning assets | 0.1394% | 4,831 |
| Net interest margin | 3.6214% | 2,189 |
| Noninterest income to average assets | 0.3771% | 3,198 |
| Noninterest expense to average assets | 2.6173% | 2,489 |
| Loan and lease loss provision to assets | 0.2527% | 1,607 |
| Net operating income to assets | 0.9282% | 2,603 |
| Return on assets (ROA) | 0.9282% | 2,734 |
| Pretax return on assets | 0.9282% | 3,301 |
| Return on Equity (ROE) | 10.3591% | 1,885 |
| Retained earnings to average equity (ytd only) | 8.3670% | 1,185 |
| Net charge-offs to loans | 0.1703% | 865 |
| Credit loss provision to net charge-offs | 313.8889% | 1,721 |
| Earnings coverage of net charge-offs (x) | 14.6944% | 2,141 |
| Efficiency ratio | 68.9189% | 2,055 |
| Assets per employee ($millions) | 6.0100% | 2,255 |
| Cash dividends to net income (ytd only)* | 19.2308% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5831% | 1,148 |
| Loan loss allowance to noncurrent loans | 796.7742% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 3,915 |
| Noncurrent loans to loans | 0.1987% | 3,594 |
| Net loans and leases to total assets | 51.0982% | 4,023 |
| Net loans and leases to deposits | 57.0489% | 4,211 |
| Net loans and leases to core deposits | 59.6415% | 4,223 |
| Total domestic deposits to total assets | 89.5691% | 563 |
| Equity capital to assets | 9.5774% | 3,626 |
| Core capital (leverage) ratio | 8.5992% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,755,250 | 4,533 |
| Average earning assets | $56,440,500 | 4,508 |
| Average equity | $5,354,250 | 4,734 |
| Average total loans | $28,190,000 | 4,572 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7439% | 3,993 |
| Cost of funding earning assets | 0.1634% | 4,850 |
| Net interest margin | 3.5805% | 2,544 |
| Noninterest income to average assets | 0.3689% | 3,265 |
| Noninterest expense to average assets | 2.6727% | 2,464 |
| Loan and lease loss provision to assets | 0.2012% | 2,039 |
| Net operating income to assets | 0.8752% | 2,791 |
| Return on assets (ROA) | 0.8752% | 2,905 |
| Pretax return on assets | 0.8752% | 3,386 |
| Return on Equity (ROE) | 9.9994% | 1,984 |
| Retained earnings to average equity (ytd only) | 6.9344% | 1,688 |
| Net charge-offs to loans | 0.1986% | 772 |
| Credit loss provision to net charge-offs | 222.2222% | 1,835 |
| Earnings coverage of net charge-offs (x) | 11.8889% | 2,087 |
| Efficiency ratio | 71.2880% | 1,786 |
| Assets per employee ($millions) | 5.0079% | 3,165 |
| Cash dividends to net income (ytd only)* | 30.6513% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 938 |
| Loan loss allowance to noncurrent loans | 1,022.7273% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 4,162 |
| Noncurrent loans to loans | 0.1594% | 3,819 |
| Net loans and leases to total assets | 45.1785% | 4,396 |
| Net loans and leases to deposits | 50.2062% | 4,522 |
| Net loans and leases to core deposits | 54.0524% | 4,495 |
| Total domestic deposits to total assets | 89.9859% | 405 |
| Equity capital to assets | 9.2520% | 3,881 |
| Core capital (leverage) ratio | 8.4404% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,640,333 | 4,549 |
| Average earning assets | $56,305,333 | 4,524 |
| Average equity | $5,220,333 | 4,775 |
| Average total loans | $27,185,333 | 4,615 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 3,988 |
| Cost of funding earning assets | 0.1997% | 4,892 |
| Net interest margin | 3.7236% | 2,247 |
| Noninterest income to average assets | 0.3905% | 3,164 |
| Noninterest expense to average assets | 2.5516% | 3,128 |
| Loan and lease loss provision to assets | 0.0673% | 2,918 |
| Net operating income to assets | 1.2859% | 1,279 |
| Return on assets (ROA) | 1.2859% | 1,372 |
| Pretax return on assets | 1.2859% | 1,909 |
| Return on Equity (ROE) | 15.1272% | 534 |
| Retained earnings to average equity (ytd only) | 15.1272% | 185 |
| Net charge-offs to loans | -0.0445% | 4,594 |
| Credit loss provision to net charge-offs | -333.3333% | 3,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3448% | 3,049 |
| Assets per employee ($millions) | 4.9207% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 1,081 |
| Loan loss allowance to noncurrent loans | 129.1291% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.5639% | 2,307 |
| Noncurrent loans to loans | 1.2355% | 1,319 |
| Net loans and leases to total assets | 44.9177% | 4,474 |
| Net loans and leases to deposits | 49.6184% | 4,607 |
| Net loans and leases to core deposits | 54.6505% | 4,544 |
| Total domestic deposits to total assets | 90.5264% | 190 |
| Equity capital to assets | 8.8047% | 4,690 |
| Core capital (leverage) ratio | 8.4199% | 4,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8845% | 1,943 |
| Memoranda: | ||
| Average total assets | $59,413,000 | 4,564 |
| Average earning assets | $56,074,500 | 4,539 |
| Average equity | $5,050,500 | 4,832 |
| Average total loans | $26,978,000 | 4,657 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 2,538 |
| Cost of funding earning assets | 0.1927% | 4,976 |
| Net interest margin | 4.4318% | 838 |
| Noninterest income to average assets | 0.4989% | 2,747 |
| Noninterest expense to average assets | 3.2563% | 1,392 |
| Loan and lease loss provision to assets | 0.1535% | 1,372 |
| Net operating income to assets | 1.2377% | 1,914 |
| Return on assets (ROA) | 1.5485% | 1,001 |
| Pretax return on assets | 1.5485% | 1,661 |
| Return on Equity (ROE) | 16.7198% | 453 |
| Retained earnings to average equity (ytd only) | 7.4794% | 1,179 |
| Net charge-offs to loans | 0.0913% | 1,819 |
| Credit loss provision to net charge-offs | 296.2963% | 946 |
| Earnings coverage of net charge-offs (x) | 26.8519% | 1,686 |
| Efficiency ratio | 70.0661% | 2,161 |
| Assets per employee ($millions) | 5.4344% | 2,122 |
| Cash dividends to net income (ytd only)* | 55.2664% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 1,105 |
| Loan loss allowance to noncurrent loans | 132.8025% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 2,315 |
| Noncurrent loans to loans | 1.1628% | 1,303 |
| Net loans and leases to total assets | 44.4746% | 4,581 |
| Net loans and leases to deposits | 48.7808% | 4,721 |
| Net loans and leases to core deposits | 52.5519% | 4,687 |
| Total domestic deposits to total assets | 91.1723% | 96 |
| Equity capital to assets | 8.2003% | 5,009 |
| Core capital (leverage) ratio | 8.6700% | 4,739 |
| Tier 1 risk-based capital ratio | 11.5294% | 4,613 |
| Total risk-based capital ratio | 12.5193% | 4,636 |
| Memoranda: | ||
| Average total assets | $52,114,800 | 4,715 |
| Average earning assets | $48,784,200 | 4,696 |
| Average equity | $4,826,600 | 4,904 |
| Average total loans | $29,562,600 | 4,651 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7929% | 2,138 |
| Cost of funding earning assets | 0.2076% | 5,022 |
| Net interest margin | 4.5853% | 633 |
| Noninterest income to average assets | 0.5206% | 2,601 |
| Noninterest expense to average assets | 3.2244% | 1,417 |
| Loan and lease loss provision to assets | 0.1461% | 1,306 |
| Net operating income to assets | 1.4316% | 1,381 |
| Return on assets (ROA) | 1.4210% | 1,466 |
| Pretax return on assets | 1.4210% | 2,222 |
| Return on Equity (ROE) | 14.8369% | 813 |
| Retained earnings to average equity (ytd only) | 12.2300% | 360 |
| Net charge-offs to loans | 0.0353% | 2,373 |
| Credit loss provision to net charge-offs | 687.5000% | 488 |
| Earnings coverage of net charge-offs (x) | 74.2249% | 908 |
| Efficiency ratio | 67.1460% | 2,561 |
| Assets per employee ($millions) | 4.5155% | 3,177 |
| Cash dividends to net income (ytd only)* | 17.5700% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 1,844 |
| Loan loss allowance to noncurrent loans | 134.4262% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 2,160 |
| Noncurrent loans to loans | 0.9884% | 1,620 |
| Net loans and leases to total assets | 61.2993% | 3,561 |
| Net loans and leases to deposits | 69.1120% | 3,834 |
| Net loans and leases to core deposits | 72.2441% | 3,935 |
| Total domestic deposits to total assets | 88.6956% | 742 |
| Equity capital to assets | 10.2233% | 3,798 |
| Core capital (leverage) ratio | 10.0638% | 3,572 |
| Tier 1 risk-based capital ratio | 15.6455% | 2,583 |
| Total risk-based capital ratio | 16.8962% | 2,521 |
| Memoranda: | ||
| Average total assets | $50,199,000 | 4,811 |
| Average earning assets | $46,873,250 | 4,802 |
| Average equity | $4,807,750 | 4,970 |
| Average total loans | $30,202,500 | 4,698 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7972% | 2,066 |
| Cost of funding earning assets | 0.2301% | 5,011 |
| Net interest margin | 4.5671% | 662 |
| Noninterest income to average assets | 0.5280% | 2,525 |
| Noninterest expense to average assets | 3.2238% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5603% | 993 |
| Return on assets (ROA) | 1.5444% | 1,072 |
| Pretax return on assets | 1.5444% | 1,720 |
| Return on Equity (ROE) | 16.4912% | 524 |
| Retained earnings to average equity (ytd only) | 12.5062% | 350 |
| Net charge-offs to loans | 0.0534% | 1,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 49.1250% | 1,107 |
| Efficiency ratio | 67.3859% | 2,628 |
| Assets per employee ($millions) | 4.0639% | 3,785 |
| Cash dividends to net income (ytd only)* | 24.1645% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 58.1438% | 3,903 |
| Net loans and leases to deposits | 65.4412% | 4,133 |
| Net loans and leases to core deposits | 70.1683% | 4,103 |
| Total domestic deposits to total assets | 88.8490% | 728 |
| Equity capital to assets | 10.1729% | 3,816 |
| Core capital (leverage) ratio | 9.6224% | 4,008 |
| Tier 1 risk-based capital ratio | 12.6974% | 4,014 |
| Total risk-based capital ratio | 13.6394% | 4,068 |
| Memoranda: | ||
| Average total assets | $50,375,000 | 4,842 |
| Average earning assets | $46,944,330 | 4,836 |
| Average equity | $4,717,670 | 5,015 |
| Average total loans | $29,984,000 | 4,736 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 2,089 |
| Cost of funding earning assets | 0.2268% | 5,050 |
| Net interest margin | 4.5104% | 724 |
| Noninterest income to average assets | 0.4924% | 2,605 |
| Noninterest expense to average assets | 3.0716% | 1,800 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6179% | 859 |
| Return on assets (ROA) | 1.5866% | 950 |
| Pretax return on assets | 1.5866% | 1,507 |
| Return on Equity (ROE) | 17.6675% | 430 |
| Retained earnings to average equity (ytd only) | 17.6675% | 155 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5000% | 3,010 |
| Assets per employee ($millions) | 4.6337% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 2,646 |
| Loan loss allowance to noncurrent loans | 596.7213% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 4,211 |
| Noncurrent loans to loans | 0.1992% | 3,880 |
| Net loans and leases to total assets | 59.3749% | 3,757 |
| Net loans and leases to deposits | 66.0786% | 4,044 |
| Net loans and leases to core deposits | 72.2481% | 3,930 |
| Total domestic deposits to total assets | 89.8550% | 509 |
| Equity capital to assets | 9.3210% | 4,411 |
| Core capital (leverage) ratio | 9.1906% | 4,483 |
| Tier 1 risk-based capital ratio | 12.0435% | 4,433 |
| Total risk-based capital ratio | 12.9738% | 4,504 |
| Memoranda: | ||
| Average total assets | $51,179,000 | 4,881 |
| Average earning assets | $47,623,500 | 4,864 |
| Average equity | $4,596,000 | 5,075 |
| Average total loans | $30,620,500 | 4,775 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 2,381 |
| Cost of funding earning assets | 0.1258% | 5,231 |
| Net interest margin | 4.4003% | 941 |
| Noninterest income to average assets | 0.5279% | 2,669 |
| Noninterest expense to average assets | 3.2507% | 1,429 |
| Loan and lease loss provision to assets | 0.1421% | 1,513 |
| Net operating income to assets | 1.2548% | 1,960 |
| Return on assets (ROA) | 1.3198% | 1,711 |
| Pretax return on assets | 1.3198% | 2,435 |
| Return on Equity (ROE) | 14.6179% | 917 |
| Retained earnings to average equity (ytd only) | 5.4199% | 2,524 |
| Net charge-offs to loans | -0.0071% | 4,413 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9432% | 2,199 |
| Assets per employee ($millions) | 3.9528% | 3,959 |
| Cash dividends to net income (ytd only)* | 62.9231% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 2,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 58.8651% | 3,885 |
| Net loans and leases to deposits | 64.9385% | 4,194 |
| Net loans and leases to core deposits | 70.8773% | 4,073 |
| Total domestic deposits to total assets | 90.6474% | 283 |
| Equity capital to assets | 8.6423% | 4,852 |
| Core capital (leverage) ratio | 8.8526% | 4,770 |
| Tier 1 risk-based capital ratio | 10.0743% | 5,290 |
| Total risk-based capital ratio | 10.8863% | 5,334 |
| Memoranda: | ||
| Average total assets | $49,251,200 | 4,949 |
| Average earning assets | $46,110,000 | 4,934 |
| Average equity | $4,446,600 | 5,114 |
| Average total loans | $28,235,400 | 4,860 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4525% | 2,455 |
| Cost of funding earning assets | 0.1081% | 5,335 |
| Net interest margin | 4.3444% | 1,023 |
| Noninterest income to average assets | 0.5255% | 2,715 |
| Noninterest expense to average assets | 3.1747% | 1,584 |
| Loan and lease loss provision to assets | 0.1232% | 1,635 |
| Net operating income to assets | 1.2972% | 1,870 |
| Return on assets (ROA) | 1.3848% | 1,541 |
| Pretax return on assets | 1.3848% | 2,282 |
| Return on Equity (ROE) | 15.1675% | 841 |
| Retained earnings to average equity (ytd only) | 12.7696% | 385 |
| Net charge-offs to loans | -0.0097% | 4,381 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0887% | 2,342 |
| Assets per employee ($millions) | 3.9869% | 3,908 |
| Cash dividends to net income (ytd only)* | 15.8097% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 3,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 64.1348% | 3,407 |
| Net loans and leases to deposits | 71.7570% | 3,791 |
| Net loans and leases to core deposits | 75.0991% | 3,870 |
| Total domestic deposits to total assets | 89.3778% | 711 |
| Equity capital to assets | 9.5312% | 4,044 |
| Core capital (leverage) ratio | 9.8801% | 3,766 |
| Tier 1 risk-based capital ratio | 14.0457% | 3,352 |
| Total risk-based capital ratio | 15.0543% | 3,372 |
| Memoranda: | ||
| Average total assets | $48,717,250 | 5,014 |
| Average earning assets | $45,636,250 | 4,991 |
| Average equity | $4,448,000 | 5,181 |
| Average total loans | $27,641,000 | 4,926 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4386% | 2,292 |
| Cost of funding earning assets | 0.1134% | 5,366 |
| Net interest margin | 4.3253% | 991 |
| Noninterest income to average assets | 0.5060% | 2,829 |
| Noninterest expense to average assets | 3.1178% | 1,739 |
| Loan and lease loss provision to assets | 0.0816% | 2,276 |
| Net operating income to assets | 1.3549% | 1,587 |
| Return on assets (ROA) | 1.4977% | 1,163 |
| Pretax return on assets | 1.4977% | 1,823 |
| Return on Equity (ROE) | 16.6415% | 569 |
| Retained earnings to average equity (ytd only) | 13.0139% | 377 |
| Net charge-offs to loans | -0.0075% | 4,218 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4588% | 2,567 |
| Assets per employee ($millions) | 4.4020% | 3,275 |
| Cash dividends to net income (ytd only)* | 21.7984% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 53.0895% | 4,406 |
| Net loans and leases to deposits | 59.1061% | 4,585 |
| Net loans and leases to core deposits | 63.0228% | 4,551 |
| Total domestic deposits to total assets | 89.8207% | 626 |
| Equity capital to assets | 9.2210% | 4,358 |
| Core capital (leverage) ratio | 8.9219% | 4,753 |
| Tier 1 risk-based capital ratio | 16.4811% | 2,261 |
| Total risk-based capital ratio | 17.6624% | 2,231 |
| Memoranda: | ||
| Average total assets | $49,008,670 | 5,066 |
| Average earning assets | $45,870,000 | 5,047 |
| Average equity | $4,410,670 | 5,244 |
| Average total loans | $26,514,000 | 5,008 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3116% | 2,468 |
| Cost of funding earning assets | 0.0869% | 5,485 |
| Net interest margin | 4.2247% | 1,113 |
| Noninterest income to average assets | 0.5030% | 2,779 |
| Noninterest expense to average assets | 3.1074% | 1,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3387% | 1,515 |
| Return on assets (ROA) | 1.3387% | 1,530 |
| Pretax return on assets | 1.3387% | 2,224 |
| Return on Equity (ROE) | 15.0565% | 796 |
| Retained earnings to average equity (ytd only) | 15.0565% | 324 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8905% | 2,498 |
| Assets per employee ($millions) | 4.4991% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 3,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 53.0673% | 4,365 |
| Net loans and leases to deposits | 58.7763% | 4,551 |
| Net loans and leases to core deposits | 64.4950% | 4,396 |
| Total domestic deposits to total assets | 90.2869% | 548 |
| Equity capital to assets | 8.9149% | 4,643 |
| Core capital (leverage) ratio | 8.7688% | 4,928 |
| Tier 1 risk-based capital ratio | 15.1693% | 2,795 |
| Total risk-based capital ratio | 16.1811% | 2,830 |
| Memoranda: | ||
| Average total assets | $49,302,000 | 5,119 |
| Average earning assets | $46,015,000 | 5,103 |
| Average equity | $4,383,500 | 5,304 |
| Average total loans | $26,761,500 | 5,053 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0469% | 3,254 |
| Cost of funding earning assets | 0.1295% | 5,368 |
| Net interest margin | 3.9174% | 2,037 |
| Noninterest income to average assets | 0.7601% | 1,732 |
| Noninterest expense to average assets | 3.2912% | 1,389 |
| Loan and lease loss provision to assets | 0.0514% | 3,199 |
| Net operating income to assets | 1.0847% | 1,911 |
| Return on assets (ROA) | 1.0601% | 2,038 |
| Pretax return on assets | 1.0601% | 3,344 |
| Return on Equity (ROE) | 11.7674% | 1,275 |
| Retained earnings to average equity (ytd only) | 3.6716% | 3,042 |
| Net charge-offs to loans | 0.0984% | 2,093 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 22.1200% | 1,867 |
| Efficiency ratio | 74.3387% | 1,852 |
| Assets per employee ($millions) | 4.0928% | 3,822 |
| Cash dividends to net income (ytd only)* | 68.7984% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 3,457 |
| Loan loss allowance to noncurrent loans | 746.1538% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 4,721 |
| Noncurrent loans to loans | 0.1446% | 4,344 |
| Net loans and leases to total assets | 54.3185% | 4,335 |
| Net loans and leases to deposits | 60.0802% | 4,561 |
| Net loans and leases to core deposits | 62.1242% | 4,650 |
| Total domestic deposits to total assets | 90.4101% | 427 |
| Equity capital to assets | 8.8671% | 4,844 |
| Core capital (leverage) ratio | 8.8806% | 4,776 |
| Tier 1 risk-based capital ratio | 14.4302% | 3,122 |
| Total risk-based capital ratio | 15.4079% | 3,179 |
| Memoranda: | ||
| Average total assets | $48,675,400 | 5,179 |
| Average earning assets | $45,565,800 | 5,158 |
| Average equity | $4,385,000 | 5,363 |
| Average total loans | $25,412,000 | 5,145 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 3,385 |
| Cost of funding earning assets | 0.1434% | 5,353 |
| Net interest margin | 3.8489% | 2,229 |
| Noninterest income to average assets | 0.8154% | 1,532 |
| Noninterest expense to average assets | 3.3054% | 1,333 |
| Loan and lease loss provision to assets | 0.0686% | 2,702 |
| Net operating income to assets | 1.0515% | 2,322 |
| Return on assets (ROA) | 1.0515% | 2,362 |
| Pretax return on assets | 1.0515% | 3,484 |
| Return on Equity (ROE) | 11.6255% | 1,450 |
| Retained earnings to average equity (ytd only) | 9.1062% | 810 |
| Net charge-offs to loans | 0.1386% | 1,417 |
| Credit loss provision to net charge-offs | 96.1538% | 2,371 |
| Earnings coverage of net charge-offs (x) | 15.6905% | 2,211 |
| Efficiency ratio | 74.6898% | 1,790 |
| Assets per employee ($millions) | 3.8902% | 4,176 |
| Cash dividends to net income (ytd only)* | 21.6704% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 3,446 |
| Loan loss allowance to noncurrent loans | 432.8358% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 4,541 |
| Noncurrent loans to loans | 0.2558% | 4,046 |
| Net loans and leases to total assets | 55.4818% | 4,276 |
| Net loans and leases to deposits | 62.2911% | 4,494 |
| Net loans and leases to core deposits | 63.9838% | 4,606 |
| Total domestic deposits to total assets | 89.0686% | 851 |
| Equity capital to assets | 9.8432% | 4,095 |
| Core capital (leverage) ratio | 9.3955% | 4,298 |
| Tier 1 risk-based capital ratio | 15.4881% | 2,706 |
| Total risk-based capital ratio | 16.5013% | 2,746 |
| Memoranda: | ||
| Average total assets | $48,565,750 | 5,240 |
| Average earning assets | $45,553,000 | 5,216 |
| Average equity | $4,392,500 | 5,417 |
| Average total loans | $25,022,750 | 5,211 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 3,533 |
| Cost of funding earning assets | 0.1557% | 5,304 |
| Net interest margin | 3.7508% | 2,467 |
| Noninterest income to average assets | 0.4797% | 3,151 |
| Noninterest expense to average assets | 3.3419% | 1,289 |
| Loan and lease loss provision to assets | 0.0407% | 3,193 |
| Net operating income to assets | 0.6220% | 4,200 |
| Return on assets (ROA) | 1.1262% | 1,921 |
| Pretax return on assets | 1.1262% | 3,064 |
| Return on Equity (ROE) | 12.8092% | 1,086 |
| Retained earnings to average equity (ytd only) | 9.0173% | 837 |
| Net charge-offs to loans | 0.2273% | 896 |
| Credit loss provision to net charge-offs | 35.7143% | 2,678 |
| Earnings coverage of net charge-offs (x) | 5.8214% | 2,775 |
| Efficiency ratio | 83.4518% | 882 |
| Assets per employee ($millions) | 4.3724% | 3,311 |
| Cash dividends to net income (ytd only)* | 29.6029% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,516 |
| Loan loss allowance to noncurrent loans | 535.2941% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 4,773 |
| Noncurrent loans to loans | 0.2078% | 4,288 |
| Net loans and leases to total assets | 50.4720% | 4,674 |
| Net loans and leases to deposits | 56.2625% | 4,844 |
| Net loans and leases to core deposits | 57.7344% | 4,923 |
| Total domestic deposits to total assets | 89.7081% | 640 |
| Equity capital to assets | 9.3521% | 4,565 |
| Core capital (leverage) ratio | 8.8095% | 4,938 |
| Tier 1 risk-based capital ratio | 15.6251% | 2,656 |
| Total risk-based capital ratio | 16.6107% | 2,712 |
| Memoranda: | ||
| Average total assets | $49,193,670 | 5,270 |
| Average earning assets | $46,229,670 | 5,233 |
| Average equity | $4,325,000 | 5,468 |
| Average total loans | $24,633,670 | 5,259 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 3,797 |
| Cost of funding earning assets | 0.1540% | 5,346 |
| Net interest margin | 3.6352% | 2,756 |
| Noninterest income to average assets | 0.5227% | 2,820 |
| Noninterest expense to average assets | 3.2085% | 1,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7318% | 3,550 |
| Return on assets (ROA) | 0.8604% | 2,987 |
| Pretax return on assets | 0.8604% | 3,894 |
| Return on Equity (ROE) | 10.0979% | 1,927 |
| Retained earnings to average equity (ytd only) | 10.0035% | 804 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4286% | 1,214 |
| Assets per employee ($millions) | 4.1327% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.9346% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 3,160 |
| Loan loss allowance to noncurrent loans | 973.3333% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 5,042 |
| Noncurrent loans to loans | 0.1229% | 4,696 |
| Net loans and leases to total assets | 48.6490% | 4,775 |
| Net loans and leases to deposits | 53.7303% | 4,949 |
| Net loans and leases to core deposits | 55.0784% | 5,021 |
| Total domestic deposits to total assets | 90.5428% | 455 |
| Equity capital to assets | 8.7050% | 5,070 |
| Core capital (leverage) ratio | 8.4581% | 5,257 |
| Tier 1 risk-based capital ratio | 15.0499% | 2,946 |
| Total risk-based capital ratio | 16.0871% | 2,977 |
| Memoranda: | ||
| Average total assets | $49,742,500 | 5,315 |
| Average earning assets | $46,765,500 | 5,279 |
| Average equity | $4,238,500 | 5,537 |
| Average total loans | $24,676,500 | 5,309 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7704% | 3,995 |
| Cost of funding earning assets | 0.1230% | 5,595 |
| Net interest margin | 3.6473% | 2,897 |
| Noninterest income to average assets | 0.4878% | 3,315 |
| Noninterest expense to average assets | 3.1283% | 1,958 |
| Loan and lease loss provision to assets | 0.1132% | 2,175 |
| Net operating income to assets | 0.6627% | 3,938 |
| Return on assets (ROA) | 0.8171% | 3,332 |
| Pretax return on assets | 0.8171% | 4,141 |
| Return on Equity (ROE) | 8.9831% | 2,432 |
| Retained earnings to average equity (ytd only) | 1.5387% | 4,645 |
| Net charge-offs to loans | 0.0666% | 2,742 |
| Credit loss provision to net charge-offs | 343.7500% | 888 |
| Earnings coverage of net charge-offs (x) | 23.5625% | 1,672 |
| Efficiency ratio | 80.1265% | 1,406 |
| Assets per employee ($millions) | 3.8379% | 4,239 |
| Cash dividends to net income (ytd only)* | 82.8715% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 49.3937% | 4,805 |
| Net loans and leases to deposits | 54.2592% | 4,998 |
| Net loans and leases to core deposits | 55.2296% | 5,089 |
| Total domestic deposits to total assets | 91.0328% | 273 |
| Equity capital to assets | 8.3378% | 5,397 |
| Core capital (leverage) ratio | 8.3605% | 5,394 |
| Tier 1 risk-based capital ratio | 14.4244% | 3,226 |
| Total risk-based capital ratio | 15.4405% | 3,281 |
| Memoranda: | ||
| Average total assets | $48,589,000 | 5,374 |
| Average earning assets | $45,512,600 | 5,345 |
| Average equity | $4,419,400 | 5,568 |
| Average total loans | $24,012,600 | 5,392 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7851% | 3,965 |
| Cost of funding earning assets | 0.1210% | 5,672 |
| Net interest margin | 3.6641% | 2,847 |
| Noninterest income to average assets | 0.4779% | 3,394 |
| Noninterest expense to average assets | 3.1162% | 1,991 |
| Loan and lease loss provision to assets | 0.1105% | 2,085 |
| Net operating income to assets | 0.6824% | 3,949 |
| Return on assets (ROA) | 0.8895% | 3,096 |
| Pretax return on assets | 0.8895% | 4,018 |
| Return on Equity (ROE) | 9.5740% | 2,240 |
| Retained earnings to average equity (ytd only) | 5.9466% | 2,213 |
| Net charge-offs to loans | 0.0449% | 2,748 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 35.8632% | 1,325 |
| Efficiency ratio | 79.7173% | 1,468 |
| Assets per employee ($millions) | 3.8943% | 4,140 |
| Cash dividends to net income (ytd only)* | 37.8878% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 3,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 52.1741% | 4,647 |
| Net loans and leases to deposits | 58.5810% | 4,843 |
| Net loans and leases to core deposits | 59.3626% | 4,973 |
| Total domestic deposits to total assets | 89.0632% | 869 |
| Equity capital to assets | 9.9568% | 4,170 |
| Core capital (leverage) ratio | 8.9941% | 4,835 |
| Tier 1 risk-based capital ratio | 14.9618% | 3,071 |
| Total risk-based capital ratio | 15.9545% | 3,124 |
| Memoranda: | ||
| Average total assets | $48,263,000 | 5,433 |
| Average earning assets | $45,193,750 | 5,409 |
| Average equity | $4,484,250 | 5,618 |
| Average total loans | $23,782,000 | 5,453 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7594% | 4,095 |
| Cost of funding earning assets | 0.1183% | 5,764 |
| Net interest margin | 3.6411% | 2,934 |
| Noninterest income to average assets | 0.4470% | 3,546 |
| Noninterest expense to average assets | 3.0878% | 2,094 |
| Loan and lease loss provision to assets | 0.1271% | 1,792 |
| Net operating income to assets | 0.6397% | 4,097 |
| Return on assets (ROA) | 0.8488% | 3,224 |
| Pretax return on assets | 0.8488% | 4,126 |
| Return on Equity (ROE) | 9.3496% | 2,335 |
| Retained earnings to average equity (ytd only) | 5.9621% | 2,133 |
| Net charge-offs to loans | 0.0511% | 2,473 |
| Credit loss provision to net charge-offs | 516.6667% | 635 |
| Earnings coverage of net charge-offs (x) | 31.1667% | 1,364 |
| Efficiency ratio | 80.1064% | 1,482 |
| Assets per employee ($millions) | 4.0111% | 3,882 |
| Cash dividends to net income (ytd only)* | 36.2319% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 3,867 |
| Loan loss allowance to noncurrent loans | 2,509.0909% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 5,503 |
| Noncurrent loans to loans | 0.0444% | 5,283 |
| Net loans and leases to total assets | 50.8570% | 4,778 |
| Net loans and leases to deposits | 56.8393% | 4,960 |
| Net loans and leases to core deposits | 57.5719% | 5,091 |
| Total domestic deposits to total assets | 89.4750% | 699 |
| Equity capital to assets | 9.6753% | 4,581 |
| Core capital (leverage) ratio | 8.6598% | 5,205 |
| Tier 1 risk-based capital ratio | 14.5893% | 3,264 |
| Total risk-based capital ratio | 15.5491% | 3,359 |
| Memoranda: | ||
| Average total assets | $48,773,330 | 5,486 |
| Average earning assets | $45,645,000 | 5,457 |
| Average equity | $4,428,000 | 5,691 |
| Average total loans | $23,487,670 | 5,522 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6437% | 4,496 |
| Cost of funding earning assets | 0.1220% | 5,801 |
| Net interest margin | 3.5217% | 3,385 |
| Noninterest income to average assets | 0.4563% | 3,439 |
| Noninterest expense to average assets | 3.0391% | 2,273 |
| Loan and lease loss provision to assets | 0.2363% | 768 |
| Net operating income to assets | 0.4726% | 4,730 |
| Return on assets (ROA) | 0.7251% | 3,705 |
| Pretax return on assets | 0.7251% | 4,432 |
| Return on Equity (ROE) | 8.2532% | 2,781 |
| Retained earnings to average equity (ytd only) | 8.2532% | 1,352 |
| Net charge-offs to loans | 0.0875% | 1,625 |
| Credit loss provision to net charge-offs | 580.0000% | 539 |
| Earnings coverage of net charge-offs (x) | 17.4000% | 1,576 |
| Efficiency ratio | 81.0870% | 1,475 |
| Assets per employee ($millions) | 4.1060% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 3,815 |
| Loan loss allowance to noncurrent loans | 2,115.3846% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 5,533 |
| Noncurrent loans to loans | 0.0540% | 5,273 |
| Net loans and leases to total assets | 48.2586% | 4,951 |
| Net loans and leases to deposits | 53.3989% | 5,140 |
| Net loans and leases to core deposits | 54.0630% | 5,252 |
| Total domestic deposits to total assets | 90.3738% | 475 |
| Equity capital to assets | 8.9321% | 5,241 |
| Core capital (leverage) ratio | 8.3032% | 5,566 |
| Tier 1 risk-based capital ratio | 14.5394% | 3,371 |
| Total risk-based capital ratio | 15.5026% | 3,463 |
| Memoranda: | ||
| Average total assets | $49,093,500 | 5,529 |
| Average earning assets | $45,887,000 | 5,492 |
| Average equity | $4,313,500 | 5,757 |
| Average total loans | $22,854,000 | 5,594 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4724% | 5,000 |
| Cost of funding earning assets | 0.0934% | 5,989 |
| Net interest margin | 3.3789% | 3,995 |
| Noninterest income to average assets | 0.4605% | 3,590 |
| Noninterest expense to average assets | 2.8364% | 3,088 |
| Loan and lease loss provision to assets | 0.0448% | 3,430 |
| Net operating income to assets | 0.7478% | 3,588 |
| Return on assets (ROA) | 0.9332% | 2,773 |
| Pretax return on assets | 0.9332% | 3,715 |
| Return on Equity (ROE) | 10.5705% | 1,769 |
| Retained earnings to average equity (ytd only) | 2.9773% | 3,946 |
| Net charge-offs to loans | 0.1018% | 2,395 |
| Credit loss provision to net charge-offs | 104.7619% | 2,397 |
| Earnings coverage of net charge-offs (x) | 18.5238% | 2,004 |
| Efficiency ratio | 78.1583% | 1,941 |
| Assets per employee ($millions) | 3.7627% | 4,351 |
| Cash dividends to net income (ytd only)* | 71.8341% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 3,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 43.7555% | 5,293 |
| Net loans and leases to deposits | 48.2104% | 5,477 |
| Net loans and leases to core deposits | 49.0928% | 5,532 |
| Total domestic deposits to total assets | 90.7595% | 349 |
| Equity capital to assets | 8.6395% | 5,434 |
| Core capital (leverage) ratio | 8.2846% | 5,619 |
| Tier 1 risk-based capital ratio | 15.0519% | 3,158 |
| Total risk-based capital ratio | 15.9852% | 3,240 |
| Memoranda: | ||
| Average total assets | $49,076,600 | 5,566 |
| Average earning assets | $46,020,400 | 5,529 |
| Average equity | $4,332,800 | 5,795 |
| Average total loans | $20,631,600 | 5,699 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4715% | 5,044 |
| Cost of funding earning assets | 0.0895% | 6,091 |
| Net interest margin | 3.3819% | 4,028 |
| Noninterest income to average assets | 0.4615% | 3,621 |
| Noninterest expense to average assets | 2.8883% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7519% | 3,674 |
| Return on assets (ROA) | 1.0397% | 2,371 |
| Pretax return on assets | 1.0397% | 3,464 |
| Return on Equity (ROE) | 11.7135% | 1,457 |
| Retained earnings to average equity (ytd only) | 7.9518% | 1,255 |
| Net charge-offs to loans | 0.1636% | 1,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 11.0807% | 2,534 |
| Efficiency ratio | 79.3438% | 1,751 |
| Assets per employee ($millions) | 3.7216% | 4,404 |
| Cash dividends to net income (ytd only)* | 32.1159% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 4,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 42.1963% | 5,478 |
| Net loans and leases to deposits | 46.9461% | 5,617 |
| Net loans and leases to core deposits | 48.2772% | 5,645 |
| Total domestic deposits to total assets | 89.8824% | 626 |
| Equity capital to assets | 9.2743% | 5,029 |
| Core capital (leverage) ratio | 8.7446% | 5,304 |
| Tier 1 risk-based capital ratio | 16.4355% | 2,611 |
| Total risk-based capital ratio | 17.3211% | 2,718 |
| Memoranda: | ||
| Average total assets | $49,117,000 | 5,633 |
| Average earning assets | $46,165,500 | 5,593 |
| Average equity | $4,359,500 | 5,868 |
| Average total loans | $20,375,750 | 5,775 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4343% | 5,148 |
| Cost of funding earning assets | 0.0859% | 6,178 |
| Net interest margin | 3.3485% | 4,113 |
| Noninterest income to average assets | 0.4457% | 3,736 |
| Noninterest expense to average assets | 2.8281% | 3,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7779% | 3,498 |
| Return on assets (ROA) | 0.8306% | 3,327 |
| Pretax return on assets | 0.8306% | 4,205 |
| Return on Equity (ROE) | 9.4973% | 2,301 |
| Retained earnings to average equity (ytd only) | 7.9685% | 1,284 |
| Net charge-offs to loans | 0.2267% | 1,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.3478% | 2,570 |
| Efficiency ratio | 78.4270% | 2,002 |
| Assets per employee ($millions) | 3.7226% | 4,379 |
| Cash dividends to net income (ytd only)* | 16.0976% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 4,340 |
| Loan loss allowance to noncurrent loans | 553.6585% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 5,529 |
| Noncurrent loans to loans | 0.1981% | 4,984 |
| Net loans and leases to total assets | 42.2945% | 5,483 |
| Net loans and leases to deposits | 46.8450% | 5,639 |
| Net loans and leases to core deposits | 48.1657% | 5,683 |
| Total domestic deposits to total assets | 90.2860% | 543 |
| Equity capital to assets | 8.9701% | 5,263 |
| Core capital (leverage) ratio | 8.4281% | 5,598 |
| Tier 1 risk-based capital ratio | 16.2989% | 2,712 |
| Total risk-based capital ratio | 17.1998% | 2,839 |
| Memoranda: | ||
| Average total assets | $49,362,330 | 5,684 |
| Average earning assets | $46,588,330 | 5,644 |
| Average equity | $4,317,000 | 5,939 |
| Average total loans | $20,287,330 | 5,836 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3849% | 5,234 |
| Cost of funding earning assets | 0.0850% | 6,250 |
| Net interest margin | 3.2998% | 4,221 |
| Noninterest income to average assets | 0.4253% | 3,803 |
| Noninterest expense to average assets | 2.7525% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7864% | 3,335 |
| Return on assets (ROA) | 0.8907% | 2,910 |
| Pretax return on assets | 0.8907% | 3,922 |
| Return on Equity (ROE) | 10.3136% | 1,864 |
| Retained earnings to average equity (ytd only) | 10.3136% | 847 |
| Net charge-offs to loans | 0.3784% | 651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.1579% | 2,411 |
| Efficiency ratio | 77.7778% | 2,216 |
| Assets per employee ($millions) | 4.2158% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 4,110 |
| Loan loss allowance to noncurrent loans | 313.5135% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 5,370 |
| Noncurrent loans to loans | 0.3753% | 4,468 |
| Net loans and leases to total assets | 38.5183% | 5,694 |
| Net loans and leases to deposits | 42.4643% | 5,814 |
| Net loans and leases to core deposits | 43.0963% | 5,864 |
| Total domestic deposits to total assets | 90.7075% | 466 |
| Equity capital to assets | 8.7114% | 5,563 |
| Core capital (leverage) ratio | 8.1720% | 5,833 |
| Tier 1 risk-based capital ratio | 15.9268% | 2,954 |
| Total risk-based capital ratio | 16.8398% | 3,046 |
| Memoranda: | ||
| Average total assets | $49,846,500 | 5,723 |
| Average earning assets | $47,032,500 | 5,679 |
| Average equity | $4,305,000 | 5,995 |
| Average total loans | $20,083,500 | 5,893 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 4,683 |
| Cost of funding earning assets | 0.0949% | 6,342 |
| Net interest margin | 3.6443% | 3,240 |
| Noninterest income to average assets | 0.5052% | 3,462 |
| Noninterest expense to average assets | 3.0745% | 2,608 |
| Loan and lease loss provision to assets | 0.0542% | 3,472 |
| Net operating income to assets | 0.7892% | 3,432 |
| Return on assets (ROA) | 0.9128% | 2,907 |
| Pretax return on assets | 0.9128% | 3,861 |
| Return on Equity (ROE) | 10.1583% | 2,046 |
| Retained earnings to average equity (ytd only) | 2.2199% | 4,667 |
| Net charge-offs to loans | 0.1281% | 2,740 |
| Credit loss provision to net charge-offs | 104.1667% | 2,298 |
| Earnings coverage of net charge-offs (x) | 16.2083% | 2,032 |
| Efficiency ratio | 78.4726% | 2,139 |
| Assets per employee ($millions) | 4.0920% | 3,734 |
| Cash dividends to net income (ytd only)* | 78.1473% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 3,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 41.1331% | 5,683 |
| Net loans and leases to deposits | 45.2687% | 5,825 |
| Net loans and leases to core deposits | 46.3842% | 5,874 |
| Total domestic deposits to total assets | 90.8643% | 410 |
| Equity capital to assets | 8.5594% | 5,685 |
| Core capital (leverage) ratio | 8.2012% | 5,855 |
| Tier 1 risk-based capital ratio | 15.1966% | 3,380 |
| Total risk-based capital ratio | 16.1659% | 3,467 |
| Memoranda: | ||
| Average total assets | $46,121,600 | 5,880 |
| Average earning assets | $43,190,400 | 5,846 |
| Average equity | $4,144,400 | 6,058 |
| Average total loans | $18,730,400 | 6,008 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 4,664 |
| Cost of funding earning assets | 0.1005% | 6,414 |
| Net interest margin | 3.6659% | 3,167 |
| Noninterest income to average assets | 0.5113% | 3,471 |
| Noninterest expense to average assets | 3.0911% | 2,496 |
| Loan and lease loss provision to assets | 0.0735% | 2,870 |
| Net operating income to assets | 0.7757% | 3,532 |
| Return on assets (ROA) | 0.9432% | 2,808 |
| Pretax return on assets | 0.9432% | 3,816 |
| Return on Equity (ROE) | 10.3636% | 2,046 |
| Retained earnings to average equity (ytd only) | 7.8453% | 1,429 |
| Net charge-offs to loans | 0.1020% | 2,777 |
| Credit loss provision to net charge-offs | 178.5714% | 1,394 |
| Earnings coverage of net charge-offs (x) | 20.6385% | 1,722 |
| Efficiency ratio | 78.4489% | 2,115 |
| Assets per employee ($millions) | 3.7756% | 4,340 |
| Cash dividends to net income (ytd only)* | 24.2996% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 3,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 42.7704% | 5,615 |
| Net loans and leases to deposits | 47.7549% | 5,777 |
| Net loans and leases to core deposits | 49.0508% | 5,835 |
| Total domestic deposits to total assets | 89.5623% | 955 |
| Equity capital to assets | 9.5482% | 4,734 |
| Core capital (leverage) ratio | 9.0653% | 4,975 |
| Tier 1 risk-based capital ratio | 16.5700% | 2,789 |
| Total risk-based capital ratio | 17.6282% | 2,817 |
| Memoranda: | ||
| Average total assets | $45,376,000 | 5,962 |
| Average earning assets | $42,443,750 | 5,933 |
| Average equity | $4,129,750 | 6,128 |
| Average total loans | $18,300,750 | 6,098 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8654% | 4,281 |
| Cost of funding earning assets | 0.0991% | 6,483 |
| Net interest margin | 3.7663% | 2,687 |
| Noninterest income to average assets | 0.5022% | 3,470 |
| Noninterest expense to average assets | 3.1498% | 2,331 |
| Loan and lease loss provision to assets | 0.1101% | 2,185 |
| Net operating income to assets | 0.7577% | 3,528 |
| Return on assets (ROA) | 1.0000% | 2,392 |
| Pretax return on assets | 1.0000% | 3,479 |
| Return on Equity (ROE) | 11.1704% | 1,686 |
| Retained earnings to average equity (ytd only) | 7.3321% | 1,596 |
| Net charge-offs to loans | 0.1456% | 2,220 |
| Credit loss provision to net charge-offs | 192.3077% | 1,211 |
| Earnings coverage of net charge-offs (x) | 15.1538% | 1,868 |
| Efficiency ratio | 78.3991% | 2,244 |
| Assets per employee ($millions) | 4.0103% | 3,818 |
| Cash dividends to net income (ytd only)* | 34.3612% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 3,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 41.0763% | 5,740 |
| Net loans and leases to deposits | 45.9094% | 5,886 |
| Net loans and leases to core deposits | 47.1998% | 5,944 |
| Total domestic deposits to total assets | 89.4725% | 1,104 |
| Equity capital to assets | 9.7046% | 4,483 |
| Core capital (leverage) ratio | 8.9936% | 5,024 |
| Tier 1 risk-based capital ratio | 17.0445% | 2,601 |
| Total risk-based capital ratio | 18.1632% | 2,623 |
| Memoranda: | ||
| Average total assets | $45,399,000 | 6,023 |
| Average earning assets | $42,376,000 | 5,989 |
| Average equity | $4,064,330 | 6,193 |
| Average total loans | $17,854,670 | 6,168 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 4,241 |
| Cost of funding earning assets | 0.0933% | 6,581 |
| Net interest margin | 3.7675% | 2,605 |
| Noninterest income to average assets | 0.5213% | 3,259 |
| Noninterest expense to average assets | 3.0668% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9643% | 2,338 |
| Return on assets (ROA) | 1.1033% | 1,858 |
| Pretax return on assets | 1.1033% | 2,887 |
| Return on Equity (ROE) | 12.8413% | 1,198 |
| Retained earnings to average equity (ytd only) | 12.8413% | 502 |
| Net charge-offs to loans | 0.2956% | 1,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.5385% | 2,013 |
| Efficiency ratio | 76.0776% | 2,792 |
| Assets per employee ($millions) | 4.2232% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 4,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 38.2671% | 5,926 |
| Net loans and leases to deposits | 42.3040% | 6,059 |
| Net loans and leases to core deposits | 43.4189% | 6,102 |
| Total domestic deposits to total assets | 90.4574% | 825 |
| Equity capital to assets | 8.9291% | 5,185 |
| Core capital (leverage) ratio | 8.5756% | 5,553 |
| Tier 1 risk-based capital ratio | 16.3100% | 3,001 |
| Total risk-based capital ratio | 17.2834% | 3,107 |
| Memoranda: | ||
| Average total assets | $46,042,000 | 6,067 |
| Average earning assets | $42,893,500 | 6,029 |
| Average equity | $3,956,000 | 6,257 |
| Average total loans | $17,591,000 | 6,233 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7483% | 4,981 |
| Cost of funding earning assets | 0.1354% | 6,590 |
| Net interest margin | 3.6129% | 3,404 |
| Noninterest income to average assets | 0.5022% | 3,743 |
| Noninterest expense to average assets | 3.0824% | 2,790 |
| Loan and lease loss provision to assets | 0.0115% | 4,896 |
| Net operating income to assets | 0.7902% | 3,340 |
| Return on assets (ROA) | 0.7119% | 3,824 |
| Pretax return on assets | 0.7119% | 4,496 |
| Return on Equity (ROE) | 7.6778% | 3,209 |
| Retained earnings to average equity (ytd only) | -0.4472% | 5,963 |
| Net charge-offs to loans | 0.0836% | 4,043 |
| Credit loss provision to net charge-offs | 33.3333% | 4,174 |
| Earnings coverage of net charge-offs (x) | 23.2000% | 1,418 |
| Efficiency ratio | 79.3594% | 2,261 |
| Assets per employee ($millions) | 4.5629% | 2,794 |
| Cash dividends to net income (ytd only)* | 105.8252% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4562% | 3,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 5,264 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 37.0773% | 6,153 |
| Net loans and leases to deposits | 40.6751% | 6,279 |
| Net loans and leases to core deposits | 41.8090% | 6,310 |
| Total domestic deposits to total assets | 91.1547% | 515 |
| Equity capital to assets | 8.2491% | 5,822 |
| Core capital (leverage) ratio | 8.5629% | 5,597 |
| Tier 1 risk-based capital ratio | 16.2062% | 3,005 |
| Total risk-based capital ratio | 17.2575% | 3,048 |
| Memoranda: | ||
| Average total assets | $43,407,600 | 6,191 |
| Average earning assets | $40,631,800 | 6,153 |
| Average equity | $4,024,600 | 6,318 |
| Average total loans | $17,942,800 | 6,286 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 4,912 |
| Cost of funding earning assets | 0.1429% | 6,665 |
| Net interest margin | 3.6419% | 3,272 |
| Noninterest income to average assets | 0.4947% | 3,849 |
| Noninterest expense to average assets | 3.0803% | 2,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8245% | 3,229 |
| Return on assets (ROA) | 0.7685% | 3,642 |
| Pretax return on assets | 0.7685% | 4,428 |
| Return on Equity (ROE) | 8.0526% | 3,097 |
| Retained earnings to average equity (ytd only) | 4.1078% | 3,763 |
| Net charge-offs to loans | 0.0441% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 44.1650% | 942 |
| Efficiency ratio | 78.8845% | 2,279 |
| Assets per employee ($millions) | 4.6672% | 2,622 |
| Cash dividends to net income (ytd only)* | 48.9873% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 3,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 40.9808% | 5,966 |
| Net loans and leases to deposits | 45.7393% | 6,123 |
| Net loans and leases to core deposits | 46.6403% | 6,184 |
| Total domestic deposits to total assets | 89.5965% | 1,227 |
| Equity capital to assets | 9.4322% | 4,634 |
| Core capital (leverage) ratio | 9.5600% | 4,315 |
| Tier 1 risk-based capital ratio | 16.7803% | 2,821 |
| Total risk-based capital ratio | 17.8535% | 2,856 |
| Memoranda: | ||
| Average total assets | $42,852,250 | 6,273 |
| Average earning assets | $40,124,750 | 6,234 |
| Average equity | $4,089,750 | 6,380 |
| Average total loans | $18,136,500 | 6,349 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8934% | 4,505 |
| Cost of funding earning assets | 0.1440% | 6,728 |
| Net interest margin | 3.7494% | 2,765 |
| Noninterest income to average assets | 0.4822% | 3,950 |
| Noninterest expense to average assets | 3.0787% | 2,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9041% | 2,770 |
| Return on assets (ROA) | 0.8392% | 3,257 |
| Pretax return on assets | 0.8392% | 4,161 |
| Return on Equity (ROE) | 8.7602% | 2,727 |
| Retained earnings to average equity (ytd only) | 5.0819% | 2,995 |
| Net charge-offs to loans | 0.0654% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,086 |
| Efficiency ratio | 77.2992% | 2,573 |
| Assets per employee ($millions) | 4.6378% | 2,596 |
| Cash dividends to net income (ytd only)* | 41.9890% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 3,955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 42.4820% | 5,866 |
| Net loans and leases to deposits | 47.3270% | 6,027 |
| Net loans and leases to core deposits | 48.2635% | 6,117 |
| Total domestic deposits to total assets | 89.7628% | 1,169 |
| Equity capital to assets | 9.3483% | 4,786 |
| Core capital (leverage) ratio | 9.5125% | 4,229 |
| Tier 1 risk-based capital ratio | 16.3278% | 3,025 |
| Total risk-based capital ratio | 17.3773% | 3,069 |
| Memoranda: | ||
| Average total assets | $43,134,670 | 6,311 |
| Average earning assets | $40,273,330 | 6,274 |
| Average equity | $4,132,330 | 6,422 |
| Average total loans | $18,359,000 | 6,385 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9018% | 4,464 |
| Cost of funding earning assets | 0.1463% | 6,806 |
| Net interest margin | 3.7555% | 2,633 |
| Noninterest income to average assets | 0.4837% | 3,895 |
| Noninterest expense to average assets | 3.0663% | 2,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9308% | 2,516 |
| Return on assets (ROA) | 0.8487% | 3,047 |
| Pretax return on assets | 0.8487% | 3,955 |
| Return on Equity (ROE) | 8.7581% | 2,601 |
| Retained earnings to average equity (ytd only) | 8.7581% | 1,466 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7123% | 2,809 |
| Assets per employee ($millions) | 4.5096% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 4,320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 41.1189% | 5,909 |
| Net loans and leases to deposits | 45.7299% | 6,073 |
| Net loans and leases to core deposits | 46.6186% | 6,177 |
| Total domestic deposits to total assets | 89.9171% | 1,102 |
| Equity capital to assets | 9.4177% | 4,977 |
| Core capital (leverage) ratio | 9.0803% | 4,748 |
| Tier 1 risk-based capital ratio | 15.3679% | 3,614 |
| Total risk-based capital ratio | 16.3759% | 3,707 |
| Memoranda: | ||
| Average total assets | $43,832,000 | 6,351 |
| Average earning assets | $41,006,500 | 6,310 |
| Average equity | $4,247,500 | 6,457 |
| Average total loans | $18,545,000 | 6,424 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3662% | 3,957 |
| Cost of funding earning assets | 0.2184% | 6,785 |
| Net interest margin | 4.1477% | 1,829 |
| Noninterest income to average assets | 0.5085% | 3,840 |
| Noninterest expense to average assets | 3.4406% | 1,964 |
| Loan and lease loss provision to assets | 0.0484% | 5,215 |
| Net operating income to assets | 0.8813% | 2,908 |
| Return on assets (ROA) | 1.3269% | 1,366 |
| Pretax return on assets | 1.3269% | 2,298 |
| Return on Equity (ROE) | 13.2061% | 1,179 |
| Retained earnings to average equity (ytd only) | 5.3740% | 2,456 |
| Net charge-offs to loans | 0.0852% | 4,829 |
| Credit loss provision to net charge-offs | 133.3333% | 2,098 |
| Earnings coverage of net charge-offs (x) | 25.6000% | 1,128 |
| Efficiency ratio | 78.7258% | 2,322 |
| Assets per employee ($millions) | 3.8698% | 4,232 |
| Cash dividends to net income (ytd only)* | 59.3066% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 4,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 42.3487% | 5,968 |
| Net loans and leases to deposits | 47.3597% | 6,150 |
| Net loans and leases to core deposits | 48.3388% | 6,250 |
| Total domestic deposits to total assets | 89.4193% | 1,292 |
| Equity capital to assets | 9.9793% | 4,200 |
| Core capital (leverage) ratio | 9.1199% | 4,709 |
| Tier 1 risk-based capital ratio | 15.9877% | 3,174 |
| Total risk-based capital ratio | 17.0641% | 3,215 |
| Memoranda: | ||
| Average total assets | $41,300,800 | 6,459 |
| Average earning assets | $38,454,800 | 6,415 |
| Average equity | $4,149,600 | 6,535 |
| Average total loans | $17,608,000 | 6,529 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4351% | 3,901 |
| Cost of funding earning assets | 0.2310% | 6,871 |
| Net interest margin | 4.2041% | 1,726 |
| Noninterest income to average assets | 0.5075% | 3,870 |
| Noninterest expense to average assets | 3.3606% | 2,103 |
| Loan and lease loss provision to assets | 0.0651% | 4,888 |
| Net operating income to assets | 0.9890% | 2,566 |
| Return on assets (ROA) | 1.3176% | 1,537 |
| Pretax return on assets | 1.3176% | 2,532 |
| Return on Equity (ROE) | 13.0907% | 1,315 |
| Retained earnings to average equity (ytd only) | 9.3411% | 1,113 |
| Net charge-offs to loans | 0.0076% | 5,622 |
| Credit loss provision to net charge-offs | 2,000.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 324.8045% | 144 |
| Efficiency ratio | 76.1238% | 2,658 |
| Assets per employee ($millions) | 3.7034% | 4,534 |
| Cash dividends to net income (ytd only)* | 28.6413% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 3,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 42.5780% | 6,078 |
| Net loans and leases to deposits | 48.3161% | 6,243 |
| Net loans and leases to core deposits | 49.3752% | 6,319 |
| Total domestic deposits to total assets | 88.1238% | 1,970 |
| Equity capital to assets | 10.8820% | 3,403 |
| Core capital (leverage) ratio | 9.5325% | 4,222 |
| Tier 1 risk-based capital ratio | 16.9267% | 2,771 |
| Total risk-based capital ratio | 18.1078% | 2,764 |
| Memoranda: | ||
| Average total assets | $40,984,000 | 6,551 |
| Average earning assets | $38,089,000 | 6,508 |
| Average equity | $4,125,000 | 6,616 |
| Average total loans | $17,438,250 | 6,620 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 3,760 |
| Cost of funding earning assets | 0.2518% | 6,904 |
| Net interest margin | 4.2497% | 1,603 |
| Noninterest income to average assets | 0.4919% | 3,969 |
| Noninterest expense to average assets | 3.5357% | 1,711 |
| Loan and lease loss provision to assets | 0.0974% | 4,323 |
| Net operating income to assets | 0.8036% | 3,384 |
| Return on assets (ROA) | 1.2955% | 1,603 |
| Pretax return on assets | 1.2955% | 2,570 |
| Return on Equity (ROE) | 13.2262% | 1,303 |
| Retained earnings to average equity (ytd only) | 10.0439% | 962 |
| Net charge-offs to loans | 0.0115% | 5,291 |
| Credit loss provision to net charge-offs | 2,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 185.0000% | 248 |
| Efficiency ratio | 79.6926% | 2,235 |
| Assets per employee ($millions) | 3.7259% | 4,465 |
| Cash dividends to net income (ytd only)* | 24.0602% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5836% | 3,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 41.5469% | 6,225 |
| Net loans and leases to deposits | 46.7237% | 6,390 |
| Net loans and leases to core deposits | 47.7322% | 6,479 |
| Total domestic deposits to total assets | 88.9203% | 1,558 |
| Equity capital to assets | 10.2428% | 4,000 |
| Core capital (leverage) ratio | 9.3485% | 4,375 |
| Tier 1 risk-based capital ratio | 17.0833% | 2,633 |
| Total risk-based capital ratio | 18.3019% | 2,604 |
| Memoranda: | ||
| Average total assets | $41,066,330 | 6,588 |
| Average earning assets | $38,120,670 | 6,550 |
| Average equity | $4,022,330 | 6,673 |
| Average total loans | $17,378,000 | 6,676 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 3,631 |
| Cost of funding earning assets | 0.2727% | 6,933 |
| Net interest margin | 4.3003% | 1,465 |
| Noninterest income to average assets | 0.4963% | 3,932 |
| Noninterest expense to average assets | 3.6490% | 1,467 |
| Loan and lease loss provision to assets | 0.1265% | 3,762 |
| Net operating income to assets | 0.7103% | 3,836 |
| Return on assets (ROA) | 1.7029% | 797 |
| Pretax return on assets | 1.7029% | 1,292 |
| Return on Equity (ROE) | 17.7913% | 568 |
| Retained earnings to average equity (ytd only) | 17.7913% | 265 |
| Net charge-offs to loans | -0.0689% | 6,661 |
| Credit loss provision to net charge-offs | -433.3333% | 5,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3449% | 2,035 |
| Assets per employee ($millions) | 3.5144% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5587% | 3,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 40.5828% | 6,300 |
| Net loans and leases to deposits | 45.2180% | 6,480 |
| Net loans and leases to core deposits | 46.1570% | 6,559 |
| Total domestic deposits to total assets | 89.7494% | 1,219 |
| Equity capital to assets | 9.6033% | 4,647 |
| Core capital (leverage) ratio | 9.1844% | 4,546 |
| Tier 1 risk-based capital ratio | 16.6638% | 2,829 |
| Total risk-based capital ratio | 17.8481% | 2,823 |
| Memoranda: | ||
| Average total assets | $41,107,000 | 6,642 |
| Average earning assets | $38,137,000 | 6,597 |
| Average equity | $3,934,500 | 6,740 |
| Average total loans | $17,416,000 | 6,733 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1759% | 2,162 |
| Cost of funding earning assets | 0.4362% | 6,779 |
| Net interest margin | 4.7397% | 695 |
| Noninterest income to average assets | 0.6738% | 2,763 |
| Noninterest expense to average assets | 3.8766% | 1,216 |
| Loan and lease loss provision to assets | 0.0671% | 5,769 |
| Net operating income to assets | 1.1061% | 1,804 |
| Return on assets (ROA) | 1.0389% | 2,197 |
| Pretax return on assets | 1.0389% | 3,089 |
| Return on Equity (ROE) | 10.1939% | 1,995 |
| Retained earnings to average equity (ytd only) | 1.7121% | 4,994 |
| Net charge-offs to loans | 0.2618% | 4,135 |
| Credit loss provision to net charge-offs | 55.5556% | 5,280 |
| Earnings coverage of net charge-offs (x) | 9.7111% | 1,942 |
| Efficiency ratio | 76.7677% | 2,776 |
| Assets per employee ($millions) | 3.3368% | 5,410 |
| Cash dividends to net income (ytd only)* | 83.2041% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 4,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 6,488 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 42.9335% | 6,306 |
| Net loans and leases to deposits | 47.7860% | 6,509 |
| Net loans and leases to core deposits | 48.1473% | 6,636 |
| Total domestic deposits to total assets | 89.8454% | 1,076 |
| Equity capital to assets | 9.5377% | 4,820 |
| Core capital (leverage) ratio | 9.3210% | 4,295 |
| Tier 1 risk-based capital ratio | 16.7157% | 2,726 |
| Total risk-based capital ratio | 17.8873% | 2,723 |
| Memoranda: | ||
| Average total assets | $37,249,600 | 6,760 |
| Average earning assets | $34,390,000 | 6,737 |
| Average equity | $3,796,400 | 6,804 |
| Average total loans | $17,191,200 | 6,795 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2973% | 1,868 |
| Cost of funding earning assets | 0.4708% | 6,810 |
| Net interest margin | 4.8265% | 594 |
| Noninterest income to average assets | 0.7077% | 2,559 |
| Noninterest expense to average assets | 3.9578% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2001% | 1,652 |
| Return on assets (ROA) | 1.1563% | 1,909 |
| Pretax return on assets | 1.1563% | 2,801 |
| Return on Equity (ROE) | 11.1498% | 1,811 |
| Retained earnings to average equity (ytd only) | 6.1199% | 2,480 |
| Net charge-offs to loans | 0.2102% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 12.1850% | 1,733 |
| Efficiency ratio | 76.7327% | 2,717 |
| Assets per employee ($millions) | 3.1268% | 5,843 |
| Cash dividends to net income (ytd only)* | 45.1095% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 4,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 6,444 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 45.5386% | 6,186 |
| Net loans and leases to deposits | 51.6629% | 6,396 |
| Net loans and leases to core deposits | 52.0850% | 6,559 |
| Total domestic deposits to total assets | 88.1456% | 1,958 |
| Equity capital to assets | 10.7697% | 3,396 |
| Core capital (leverage) ratio | 10.1465% | 3,248 |
| Tier 1 risk-based capital ratio | 17.9795% | 2,265 |
| Total risk-based capital ratio | 19.1691% | 2,247 |
| Memoranda: | ||
| Average total assets | $36,551,750 | 6,843 |
| Average earning assets | $33,702,000 | 6,824 |
| Average equity | $3,790,750 | 6,862 |
| Average total loans | $17,127,500 | 6,866 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2782% | 1,961 |
| Cost of funding earning assets | 0.5021% | 6,839 |
| Net interest margin | 4.7761% | 626 |
| Noninterest income to average assets | 0.7508% | 2,257 |
| Noninterest expense to average assets | 4.0134% | 1,031 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1483% | 1,724 |
| Return on assets (ROA) | 1.1980% | 1,659 |
| Pretax return on assets | 1.1980% | 2,490 |
| Return on Equity (ROE) | 11.7065% | 1,580 |
| Retained earnings to average equity (ytd only) | 7.5526% | 1,634 |
| Net charge-offs to loans | 0.1993% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 12.2353% | 1,641 |
| Efficiency ratio | 77.7540% | 2,748 |
| Assets per employee ($millions) | 3.1356% | 5,790 |
| Cash dividends to net income (ytd only)* | 35.4839% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 4,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 6,511 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 45.4487% | 6,315 |
| Net loans and leases to deposits | 51.9235% | 6,479 |
| Net loans and leases to core deposits | 53.0412% | 6,610 |
| Total domestic deposits to total assets | 87.5302% | 2,452 |
| Equity capital to assets | 10.2426% | 3,828 |
| Core capital (leverage) ratio | 9.8798% | 3,409 |
| Tier 1 risk-based capital ratio | 17.5114% | 2,336 |
| Total risk-based capital ratio | 18.7279% | 2,319 |
| Memoranda: | ||
| Average total assets | $36,228,330 | 6,912 |
| Average earning assets | $33,458,330 | 6,890 |
| Average equity | $3,707,330 | 6,926 |
| Average total loans | $17,058,330 | 6,937 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2774% | 1,945 |
| Cost of funding earning assets | 0.4864% | 7,021 |
| Net interest margin | 4.7910% | 580 |
| Noninterest income to average assets | 0.5854% | 3,267 |
| Noninterest expense to average assets | 4.1544% | 861 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8669% | 2,717 |
| Return on assets (ROA) | 1.1484% | 1,721 |
| Pretax return on assets | 1.1484% | 2,574 |
| Return on Equity (ROE) | 11.2273% | 1,665 |
| Retained earnings to average equity (ytd only) | 11.2273% | 855 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7354% | 2,116 |
| Assets per employee ($millions) | 3.0547% | 6,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5986% | 3,730 |
| Loan loss allowance to noncurrent loans | 140.3061% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 5,895 |
| Noncurrent loans to loans | 1.1393% | 4,801 |
| Net loans and leases to total assets | 46.1807% | 6,268 |
| Net loans and leases to deposits | 52.5095% | 6,436 |
| Net loans and leases to core deposits | 53.6630% | 6,578 |
| Total domestic deposits to total assets | 87.9474% | 2,403 |
| Equity capital to assets | 9.9520% | 3,838 |
| Core capital (leverage) ratio | 10.3415% | 2,766 |
| Tier 1 risk-based capital ratio | 17.4657% | 2,308 |
| Total risk-based capital ratio | 18.7153% | 2,275 |
| Memoranda: | ||
| Average total assets | $35,529,000 | 6,982 |
| Average earning assets | $32,895,000 | 6,962 |
| Average equity | $3,634,000 | 6,978 |
| Average total loans | $16,908,000 | 7,002 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6920% | 1,597 |
| Cost of funding earning assets | 0.5166% | 7,277 |
| Net interest margin | 5.1754% | 300 |
| Noninterest income to average assets | 0.7056% | 2,812 |
| Noninterest expense to average assets | 3.7826% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.6907% | 528 |
| Return on assets (ROA) | 1.2895% | 1,261 |
| Pretax return on assets | 1.2895% | 1,958 |
| Return on Equity (ROE) | 12.6246% | 1,190 |
| Retained earnings to average equity (ytd only) | 3.9554% | 3,099 |
| Net charge-offs to loans | -0.0060% | 7,283 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1102% | 4,352 |
| Assets per employee ($millions) | 2.8668% | 6,406 |
| Cash dividends to net income (ytd only)* | 68.6695% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6553% | 3,375 |
| Loan loss allowance to noncurrent loans | 151.0989% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5290% | 5,977 |
| Noncurrent loans to loans | 1.0955% | 4,909 |
| Net loans and leases to total assets | 47.4914% | 6,441 |
| Net loans and leases to deposits | 55.2669% | 6,499 |
| Net loans and leases to core deposits | 56.7233% | 6,651 |
| Total domestic deposits to total assets | 85.9311% | 3,393 |
| Equity capital to assets | 10.5226% | 3,135 |
| Core capital (leverage) ratio | 10.2079% | 2,854 |
| Tier 1 risk-based capital ratio | 17.2908% | 2,233 |
| Total risk-based capital ratio | 18.5438% | 2,200 |
| Memoranda: | ||
| Average total assets | $36,139,000 | 7,000 |
| Average earning assets | $33,292,400 | 6,972 |
| Average equity | $3,691,200 | 7,085 |
| Average total loans | $16,541,800 | 7,092 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7386% | 1,582 |
| Cost of funding earning assets | 0.5174% | 7,423 |
| Net interest margin | 5.2212% | 278 |
| Noninterest income to average assets | 0.7255% | 2,672 |
| Noninterest expense to average assets | 3.5617% | 1,874 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.9832% | 345 |
| Return on assets (ROA) | 1.0754% | 2,094 |
| Pretax return on assets | 1.0754% | 2,910 |
| Return on Equity (ROE) | 10.6045% | 1,901 |
| Retained earnings to average equity (ytd only) | 5.6077% | 2,586 |
| Net charge-offs to loans | -0.0242% | 7,375 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2341% | 5,203 |
| Assets per employee ($millions) | 2.8278% | 6,537 |
| Cash dividends to net income (ytd only)* | 47.1194% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 3,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 49.0732% | 6,425 |
| Net loans and leases to deposits | 58.2116% | 6,444 |
| Net loans and leases to core deposits | 59.7939% | 6,626 |
| Total domestic deposits to total assets | 84.3014% | 3,962 |
| Equity capital to assets | 11.7909% | 2,290 |
| Core capital (leverage) ratio | 10.2166% | 3,027 |
| Tier 1 risk-based capital ratio | 17.4283% | 2,194 |
| Total risk-based capital ratio | 18.6777% | 2,157 |
| Memoranda: | ||
| Average total assets | $36,573,250 | 7,075 |
| Average earning assets | $33,759,000 | 7,035 |
| Average equity | $3,709,000 | 7,173 |
| Average total loans | $16,524,000 | 7,187 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6610% | 1,907 |
| Cost of funding earning assets | 0.5162% | 7,522 |
| Net interest margin | 5.1448% | 314 |
| Noninterest income to average assets | 0.7583% | 2,336 |
| Noninterest expense to average assets | 3.6098% | 1,751 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8850% | 411 |
| Return on assets (ROA) | 1.5860% | 803 |
| Pretax return on assets | 1.5860% | 1,339 |
| Return on Equity (ROE) | 16.4467% | 640 |
| Retained earnings to average equity (ytd only) | 12.0166% | 489 |
| Net charge-offs to loans | -0.0366% | 7,394 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6948% | 5,039 |
| Assets per employee ($millions) | 2.9261% | 6,301 |
| Cash dividends to net income (ytd only)* | 26.9360% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 3,362 |
| Loan loss allowance to noncurrent loans | 9,200.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 7,395 |
| Noncurrent loans to loans | 0.0176% | 7,284 |
| Net loans and leases to total assets | 47.6889% | 6,642 |
| Net loans and leases to deposits | 56.3331% | 6,697 |
| Net loans and leases to core deposits | 56.8436% | 6,895 |
| Total domestic deposits to total assets | 84.6553% | 3,790 |
| Equity capital to assets | 10.7396% | 3,139 |
| Core capital (leverage) ratio | 10.1062% | 3,055 |
| Tier 1 risk-based capital ratio | 17.3077% | 2,164 |
| Total risk-based capital ratio | 18.5565% | 2,130 |
| Memoranda: | ||
| Average total assets | $37,453,330 | 7,092 |
| Average earning assets | $34,481,670 | 7,065 |
| Average equity | $3,611,670 | 7,233 |
| Average total loans | $16,389,330 | 7,248 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5849% | 2,222 |
| Cost of funding earning assets | 0.5077% | 7,664 |
| Net interest margin | 5.0772% | 361 |
| Noninterest income to average assets | 0.8389% | 1,846 |
| Noninterest expense to average assets | 3.7697% | 1,369 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7295% | 578 |
| Return on assets (ROA) | 1.4810% | 991 |
| Pretax return on assets | 1.4810% | 1,567 |
| Return on Equity (ROE) | 16.1948% | 691 |
| Retained earnings to average equity (ytd only) | 16.1948% | 327 |
| Net charge-offs to loans | -0.0249% | 7,131 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5499% | 4,618 |
| Assets per employee ($millions) | 3.2058% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6864% | 3,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 41.5233% | 7,155 |
| Net loans and leases to deposits | 47.5544% | 7,250 |
| Net loans and leases to core deposits | 48.6641% | 7,336 |
| Total domestic deposits to total assets | 87.3174% | 2,454 |
| Equity capital to assets | 9.4437% | 4,624 |
| Core capital (leverage) ratio | 9.2386% | 4,161 |
| Tier 1 risk-based capital ratio | 16.5792% | 2,418 |
| Total risk-based capital ratio | 17.8281% | 2,368 |
| Memoranda: | ||
| Average total assets | $38,623,500 | 7,135 |
| Average earning assets | $35,452,500 | 7,108 |
| Average equity | $3,532,000 | 7,334 |
| Average total loans | $16,073,500 | 7,348 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9337% | 2,113 |
| Cost of funding earning assets | 0.8288% | 7,512 |
| Net interest margin | 5.1049% | 357 |
| Noninterest income to average assets | 0.5591% | 3,953 |
| Noninterest expense to average assets | 3.5633% | 2,237 |
| Loan and lease loss provision to assets | 0.2006% | 5,736 |
| Net operating income to assets | 1.4419% | 782 |
| Return on assets (ROA) | 1.3108% | 1,055 |
| Pretax return on assets | 1.3108% | 1,665 |
| Return on Equity (ROE) | 16.6576% | 489 |
| Retained earnings to average equity (ytd only) | 5.9831% | 1,353 |
| Net charge-offs to loans | -0.0694% | 7,866 |
| Credit loss provision to net charge-offs | -681.8182% | 7,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4481% | 4,934 |
| Assets per employee ($millions) | 3.2314% | 5,648 |
| Cash dividends to net income (ytd only)* | 64.0816% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 2,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 40.2945% | 7,335 |
| Net loans and leases to deposits | 45.7755% | 7,454 |
| Net loans and leases to core deposits | 52.6697% | 7,511 |
| Total domestic deposits to total assets | 88.0264% | 1,964 |
| Equity capital to assets | 8.8480% | 5,359 |
| Core capital (leverage) ratio | 8.9210% | 4,557 |
| Tier 1 risk-based capital ratio | 13.3427% | 3,917 |
| Total risk-based capital ratio | 14.4092% | 3,990 |
| Memoranda: | ||
| Average total assets | $37,381,200 | 7,195 |
| Average earning assets | $34,026,200 | 7,182 |
| Average equity | $2,941,600 | 7,606 |
| Average total loans | $15,860,600 | 7,411 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0035% | 2,026 |
| Cost of funding earning assets | 0.8898% | 7,580 |
| Net interest margin | 5.1137% | 354 |
| Noninterest income to average assets | 0.5689% | 3,932 |
| Noninterest expense to average assets | 3.2908% | 2,952 |
| Loan and lease loss provision to assets | 0.2700% | 4,805 |
| Net operating income to assets | 1.6634% | 595 |
| Return on assets (ROA) | 1.5266% | 822 |
| Pretax return on assets | 1.5266% | 1,339 |
| Return on Equity (ROE) | 20.0521% | 312 |
| Retained earnings to average equity (ytd only) | 13.4784% | 224 |
| Net charge-offs to loans | -0.0336% | 7,814 |
| Credit loss provision to net charge-offs | -1,875.0000% | 7,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9910% | 5,926 |
| Assets per employee ($millions) | 3.1143% | 5,871 |
| Cash dividends to net income (ytd only)* | 32.7832% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 2,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 43.1779% | 7,302 |
| Net loans and leases to deposits | 51.2563% | 7,346 |
| Net loans and leases to core deposits | 57.7875% | 7,474 |
| Total domestic deposits to total assets | 84.2391% | 3,604 |
| Equity capital to assets | 9.4672% | 4,786 |
| Core capital (leverage) ratio | 9.7360% | 3,593 |
| Tier 1 risk-based capital ratio | 14.9022% | 3,087 |
| Total risk-based capital ratio | 16.0233% | 3,100 |
| Memoranda: | ||
| Average total assets | $37,032,250 | 7,274 |
| Average earning assets | $33,712,750 | 7,262 |
| Average equity | $2,819,250 | 7,713 |
| Average total loans | $15,851,000 | 7,479 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9833% | 2,251 |
| Cost of funding earning assets | 0.9347% | 7,653 |
| Net interest margin | 5.0486% | 384 |
| Noninterest income to average assets | 0.5742% | 3,877 |
| Noninterest expense to average assets | 3.1582% | 3,475 |
| Loan and lease loss provision to assets | 0.4063% | 3,488 |
| Net operating income to assets | 1.6035% | 676 |
| Return on assets (ROA) | 1.6035% | 741 |
| Pretax return on assets | 1.6035% | 1,194 |
| Return on Equity (ROE) | 22.9487% | 199 |
| Retained earnings to average equity (ytd only) | 16.7463% | 141 |
| Net charge-offs to loans | 0.3702% | 3,336 |
| Credit loss provision to net charge-offs | 258.6207% | 1,797 |
| Earnings coverage of net charge-offs (x) | 12.7931% | 1,785 |
| Efficiency ratio | 61.1111% | 6,380 |
| Assets per employee ($millions) | 3.0263% | 6,066 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 3,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 43.1077% | 7,387 |
| Net loans and leases to deposits | 50.1120% | 7,480 |
| Net loans and leases to core deposits | 55.4257% | 7,616 |
| Total domestic deposits to total assets | 86.0227% | 2,782 |
| Equity capital to assets | 7.6413% | 7,139 |
| Core capital (leverage) ratio | 9.3331% | 4,126 |
| Tier 1 risk-based capital ratio | 16.3238% | 2,512 |
| Total risk-based capital ratio | 17.4206% | 2,507 |
| Memoranda: | ||
| Average total assets | $36,919,330 | 7,340 |
| Average earning assets | $33,593,670 | 7,336 |
| Average equity | $2,579,670 | 7,865 |
| Average total loans | $15,667,330 | 7,555 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9577% | 2,536 |
| Cost of funding earning assets | 0.9890% | 7,686 |
| Net interest margin | 4.9687% | 435 |
| Noninterest income to average assets | 0.5911% | 3,617 |
| Noninterest expense to average assets | 3.1273% | 3,278 |
| Loan and lease loss provision to assets | 0.5373% | 2,323 |
| Net operating income to assets | 1.4078% | 1,122 |
| Return on assets (ROA) | 1.4078% | 1,209 |
| Pretax return on assets | 1.4078% | 1,945 |
| Return on Equity (ROE) | 21.1120% | 356 |
| Retained earnings to average equity (ytd only) | 21.1120% | 142 |
| Net charge-offs to loans | 0.5914% | 1,995 |
| Credit loss provision to net charge-offs | 217.3913% | 2,077 |
| Earnings coverage of net charge-offs (x) | 7.8696% | 2,283 |
| Efficiency ratio | 61.6525% | 6,119 |
| Assets per employee ($millions) | 3.1408% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 3,720 |
| 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 | 41.0958% | 7,519 |
| Net loans and leases to deposits | 47.0504% | 7,619 |
| Net loans and leases to core deposits | 52.2765% | 7,724 |
| Total domestic deposits to total assets | 87.3441% | 2,040 |
| Equity capital to assets | 6.7365% | 7,793 |
| Core capital (leverage) ratio | 9.0833% | 4,582 |
| Tier 1 risk-based capital ratio | 15.9230% | 2,715 |
| Total risk-based capital ratio | 16.9302% | 2,726 |
| Memoranda: | ||
| Average total assets | $37,221,000 | 7,363 |
| Average earning assets | $33,570,000 | 7,374 |
| Average equity | $2,482,000 | 7,933 |
| Average total loans | $15,557,000 | 7,605 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3633% | 3,620 |
| Cost of funding earning assets | 1.5287% | 7,563 |
| Net interest margin | 4.8345% | 727 |
| Noninterest income to average assets | 0.6163% | 3,734 |
| Noninterest expense to average assets | 3.3138% | 2,925 |
| Loan and lease loss provision to assets | 0.2703% | 4,231 |
| Net operating income to assets | 1.4001% | 1,228 |
| Return on assets (ROA) | 1.5677% | 859 |
| Pretax return on assets | 1.5677% | 1,490 |
| Return on Equity (ROE) | 20.1445% | 360 |
| Retained earnings to average equity (ytd only) | 9.8639% | 470 |
| Net charge-offs to loans | 0.4934% | 2,386 |
| Credit loss provision to net charge-offs | 133.3333% | 3,986 |
| Earnings coverage of net charge-offs (x) | 8.2400% | 2,917 |
| Efficiency ratio | 66.4859% | 5,023 |
| Assets per employee ($millions) | 3.0627% | 5,886 |
| Cash dividends to net income (ytd only)* | 51.0345% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 4,433 |
| 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% | 7,569 |
| Net loans and leases to total assets | 41.4236% | 7,613 |
| Net loans and leases to deposits | 47.3928% | 7,736 |
| Net loans and leases to core deposits | 51.7788% | 7,849 |
| Total domestic deposits to total assets | 87.4048% | 1,750 |
| Equity capital to assets | 6.5983% | 7,905 |
| Core capital (leverage) ratio | 8.8020% | 5,032 |
| Tier 1 risk-based capital ratio | 15.3723% | 2,891 |
| Total risk-based capital ratio | 16.2562% | 2,958 |
| Memoranda: | ||
| Average total assets | $36,997,200 | 7,345 |
| Average earning assets | $33,426,200 | 7,351 |
| Average equity | $2,879,200 | 7,872 |
| Average total loans | $15,199,200 | 7,634 |