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 | 4.9183% | 2,237 |
| Cost of funding earning assets | 0.6976% | 3,933 |
| Net interest margin | 4.2207% | 905 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.6416% | 4,203 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 2.6960% | 209 |
| Return on assets (ROA) | 2.6960% | 204 |
| Pretax return on assets | 2.6960% | 280 |
| Return on Equity (ROE) | 24.3600% | 335 |
| Retained earnings to average equity (ytd only) | 12.3635% | 594 |
| Net charge-offs to loans | 0.4172% | 246 |
| Credit loss provision to net charge-offs | -7.2816% | 4,420 |
| Earnings coverage of net charge-offs (x) | 20.6311% | 1,851 |
| Efficiency ratio | 37.9290% | 4,399 |
| Assets per employee ($millions) | 12.0061% | 413 |
| Cash dividends to net income (ytd only)* | 49.2380% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1637% | 297 |
| Loan loss allowance to noncurrent loans | 274.6867% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 1,933 |
| Noncurrent loans to loans | 0.7877% | 983 |
| Net loans and leases to total assets | 31.7500% | 4,256 |
| Net loans and leases to deposits | 36.5508% | 4,264 |
| Net loans and leases to core deposits | 39.7117% | 4,290 |
| Total domestic deposits to total assets | 86.8700% | 1,725 |
| Equity capital to assets | 12.0343% | 1,114 |
| Core capital (leverage) ratio | 12.9362% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $158,198,200 | 3,292 |
| Average earning assets | $152,084,600 | 3,233 |
| Average equity | $17,511,200 | 3,052 |
| Average total loans | $49,371,400 | 3,851 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7762% | 2,317 |
| Cost of funding earning assets | 0.6532% | 3,857 |
| Net interest margin | 4.1230% | 1,029 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.6707% | 4,162 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 2.5704% | 248 |
| Return on assets (ROA) | 2.5704% | 243 |
| Pretax return on assets | 2.5704% | 352 |
| Return on Equity (ROE) | 23.7300% | 451 |
| Retained earnings to average equity (ytd only) | 12.4852% | 888 |
| Net charge-offs to loans | -0.0136% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 39.5113% | 4,371 |
| Assets per employee ($millions) | 11.7311% | 407 |
| Cash dividends to net income (ytd only)* | 47.3856% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6166% | 174 |
| Loan loss allowance to noncurrent loans | 183.1697% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 1,244 |
| Noncurrent loans to loans | 1.4285% | 517 |
| Net loans and leases to total assets | 31.8700% | 4,285 |
| Net loans and leases to deposits | 36.5871% | 4,283 |
| Net loans and leases to core deposits | 40.1963% | 4,253 |
| Total domestic deposits to total assets | 87.1100% | 1,855 |
| Equity capital to assets | 11.6876% | 1,127 |
| Core capital (leverage) ratio | 12.4387% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $158,728,000 | 3,300 |
| Average earning assets | $152,670,000 | 3,239 |
| Average equity | $17,193,250 | 3,069 |
| Average total loans | $49,051,000 | 3,865 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6436% | 2,323 |
| Cost of funding earning assets | 0.5866% | 3,785 |
| Net interest margin | 4.0570% | 1,148 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.6517% | 4,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.5186% | 243 |
| Return on assets (ROA) | 2.5186% | 238 |
| Pretax return on assets | 2.5186% | 346 |
| Return on Equity (ROE) | 23.8500% | 440 |
| Retained earnings to average equity (ytd only) | 12.6597% | 863 |
| Net charge-offs to loans | 0.0164% | 1,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 506.2500% | 291 |
| Efficiency ratio | 39.6063% | 4,406 |
| Assets per employee ($millions) | 11.9383% | 381 |
| Cash dividends to net income (ytd only)* | 46.9136% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7498% | 163 |
| Loan loss allowance to noncurrent loans | 187.8398% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 1,188 |
| Noncurrent loans to loans | 1.4639% | 464 |
| Net loans and leases to total assets | 29.9200% | 4,333 |
| Net loans and leases to deposits | 34.1496% | 4,329 |
| Net loans and leases to core deposits | 37.3481% | 4,306 |
| Total domestic deposits to total assets | 87.6200% | 1,739 |
| Equity capital to assets | 11.2727% | 1,284 |
| Core capital (leverage) ratio | 12.1414% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $160,802,667 | 3,287 |
| Average earning assets | $154,795,000 | 3,234 |
| Average equity | $16,983,000 | 3,106 |
| Average total loans | $48,763,667 | 3,875 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6203% | 2,035 |
| Cost of funding earning assets | 0.5100% | 3,654 |
| Net interest margin | 4.1104% | 1,081 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.5550% | 4,350 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.6723% | 210 |
| Return on assets (ROA) | 2.6723% | 206 |
| Pretax return on assets | 2.6723% | 296 |
| Return on Equity (ROE) | 26.1400% | 357 |
| Retained earnings to average equity (ytd only) | 11.7893% | 1,308 |
| Net charge-offs to loans | 0.0162% | 1,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 546.5000% | 210 |
| Efficiency ratio | 36.7843% | 4,519 |
| Assets per employee ($millions) | 12.3733% | 358 |
| Cash dividends to net income (ytd only)* | 54.8948% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6197% | 201 |
| Loan loss allowance to noncurrent loans | 178.2904% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 1,111 |
| Noncurrent loans to loans | 1.4694% | 440 |
| Net loans and leases to total assets | 30.3700% | 4,357 |
| Net loans and leases to deposits | 34.3604% | 4,368 |
| Net loans and leases to core deposits | 37.4080% | 4,333 |
| Total domestic deposits to total assets | 88.3700% | 1,787 |
| Equity capital to assets | 10.6147% | 1,505 |
| Core capital (leverage) ratio | 10.8490% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $163,605,000 | 3,306 |
| Average earning assets | $157,650,500 | 3,252 |
| Average equity | $16,727,000 | 3,153 |
| Average total loans | $49,271,000 | 3,916 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1449% | 3,913 |
| Cost of funding earning assets | 0.1577% | 4,077 |
| Net interest margin | 2.9872% | 3,481 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.6368% | 4,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5339% | 809 |
| Return on assets (ROA) | 1.5339% | 783 |
| Pretax return on assets | 1.5339% | 1,351 |
| Return on Equity (ROE) | 15.3600% | 1,176 |
| Retained earnings to average equity (ytd only) | 10.9636% | 897 |
| Net charge-offs to loans | -0.7600% | 4,715 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.6231% | 4,015 |
| Assets per employee ($millions) | 11.8826% | 399 |
| Cash dividends to net income (ytd only)* | 28.6416% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7199% | 171 |
| Loan loss allowance to noncurrent loans | 131.9960% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 834 |
| Noncurrent loans to loans | 2.0606% | 266 |
| Net loans and leases to total assets | 28.2900% | 4,430 |
| Net loans and leases to deposits | 31.7285% | 4,438 |
| Net loans and leases to core deposits | 33.7659% | 4,421 |
| Total domestic deposits to total assets | 89.1700% | 1,676 |
| Equity capital to assets | 9.8463% | 1,791 |
| Core capital (leverage) ratio | 10.4858% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $159,334,600 | 3,353 |
| Average earning assets | $153,486,000 | 3,289 |
| Average equity | $15,907,200 | 3,282 |
| Average total loans | $47,369,600 | 3,938 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8204% | 4,167 |
| Cost of funding earning assets | 0.1063% | 4,235 |
| Net interest margin | 2.7141% | 3,900 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.6652% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2531% | 1,514 |
| Return on assets (ROA) | 1.2531% | 1,484 |
| Pretax return on assets | 1.2531% | 2,198 |
| Return on Equity (ROE) | 12.5100% | 1,872 |
| Retained earnings to average equity (ytd only) | 10.8174% | 1,100 |
| Net charge-offs to loans | 0.1472% | 448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 28.4808% | 1,543 |
| Efficiency ratio | 57.0600% | 3,508 |
| Assets per employee ($millions) | 12.0829% | 371 |
| Cash dividends to net income (ytd only)* | 13.5044% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9786% | 520 |
| Loan loss allowance to noncurrent loans | 76.4159% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 741 |
| Noncurrent loans to loans | 2.5892% | 200 |
| Net loans and leases to total assets | 26.4800% | 4,497 |
| Net loans and leases to deposits | 29.5598% | 4,504 |
| Net loans and leases to core deposits | 31.9277% | 4,481 |
| Total domestic deposits to total assets | 89.5700% | 1,844 |
| Equity capital to assets | 9.4100% | 1,941 |
| Core capital (leverage) ratio | 10.5524% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $157,579,000 | 3,394 |
| Average earning assets | $151,795,750 | 3,333 |
| Average equity | $15,789,000 | 3,336 |
| Average total loans | $47,116,000 | 3,961 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5689% | 4,305 |
| Cost of funding earning assets | 0.1068% | 4,116 |
| Net interest margin | 2.4621% | 4,146 |
| Noninterest income to average assets | 0.2927% | 3,413 |
| Noninterest expense to average assets | 1.7057% | 4,139 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9563% | 2,332 |
| Return on assets (ROA) | 0.9563% | 2,308 |
| Pretax return on assets | 0.9563% | 2,882 |
| Return on Equity (ROE) | 9.3357% | 2,586 |
| Retained earnings to average equity (ytd only) | 6.7954% | 2,053 |
| Net charge-offs to loans | 0.2353% | 274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 13.1250% | 1,696 |
| Efficiency ratio | 64.0762% | 2,764 |
| Assets per employee ($millions) | 11.3438% | 454 |
| Cash dividends to net income (ytd only)* | 27.2109% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8991% | 659 |
| Loan loss allowance to noncurrent loans | 133.3828% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 1,340 |
| Noncurrent loans to loans | 1.4238% | 530 |
| Net loans and leases to total assets | 29.2407% | 4,486 |
| Net loans and leases to deposits | 32.7906% | 4,478 |
| Net loans and leases to core deposits | 35.5354% | 4,449 |
| Total domestic deposits to total assets | 89.1741% | 2,102 |
| Equity capital to assets | 9.7769% | 1,832 |
| Core capital (leverage) ratio | 10.5086% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,718,667 | 3,466 |
| Average earning assets | $147,920,667 | 3,414 |
| Average equity | $15,746,000 | 3,427 |
| Average total loans | $47,591,333 | 4,000 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5309% | 4,228 |
| Cost of funding earning assets | 0.1045% | 4,073 |
| Net interest margin | 2.4263% | 4,022 |
| Noninterest income to average assets | 0.3043% | 3,285 |
| Noninterest expense to average assets | 1.6749% | 4,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9631% | 2,027 |
| Return on assets (ROA) | 0.9631% | 2,023 |
| Pretax return on assets | 0.9631% | 2,566 |
| Return on Equity (ROE) | 9.1829% | 2,253 |
| Retained earnings to average equity (ytd only) | 4.1374% | 2,887 |
| Net charge-offs to loans | 0.2599% | 247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 11.7419% | 1,433 |
| Efficiency ratio | 63.4905% | 3,086 |
| Assets per employee ($millions) | 11.3924% | 461 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 597 |
| Loan loss allowance to noncurrent loans | 120.5997% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 1,264 |
| Noncurrent loans to loans | 1.6792% | 468 |
| Net loans and leases to total assets | 28.0589% | 4,507 |
| Net loans and leases to deposits | 31.4780% | 4,513 |
| Net loans and leases to core deposits | 34.2306% | 4,476 |
| Total domestic deposits to total assets | 89.1381% | 2,009 |
| Equity capital to assets | 9.8719% | 1,991 |
| Core capital (leverage) ratio | 10.6691% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,171,500 | 3,502 |
| Average earning assets | $145,405,500 | 3,457 |
| Average equity | $15,855,500 | 3,485 |
| Average total loans | $47,718,500 | 4,015 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4153% | 2,896 |
| Cost of funding earning assets | 0.1197% | 4,223 |
| Net interest margin | 3.2955% | 2,325 |
| Noninterest income to average assets | 0.3208% | 3,489 |
| Noninterest expense to average assets | 1.8251% | 4,095 |
| Loan and lease loss provision to assets | 0.1099% | 1,147 |
| Net operating income to assets | 1.5505% | 913 |
| Return on assets (ROA) | 1.5505% | 944 |
| Pretax return on assets | 1.5505% | 1,569 |
| Return on Equity (ROE) | 13.6720% | 1,276 |
| Retained earnings to average equity (ytd only) | 8.1825% | 1,469 |
| Net charge-offs to loans | 0.0262% | 1,719 |
| Credit loss provision to net charge-offs | 1,153.8462% | 480 |
| Earnings coverage of net charge-offs (x) | 174.3846% | 595 |
| Efficiency ratio | 52.3639% | 4,085 |
| Assets per employee ($millions) | 10.2036% | 629 |
| Cash dividends to net income (ytd only)* | 40.1512% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9232% | 695 |
| Loan loss allowance to noncurrent loans | 143.0493% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.4683% | 1,408 |
| Noncurrent loans to loans | 1.3445% | 697 |
| Net loans and leases to total assets | 34.1638% | 4,366 |
| Net loans and leases to deposits | 38.9492% | 4,371 |
| Net loans and leases to core deposits | 41.7369% | 4,347 |
| Total domestic deposits to total assets | 87.7137% | 2,187 |
| Equity capital to assets | 11.1768% | 1,683 |
| Core capital (leverage) ratio | 11.6109% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,539,600 | 3,613 |
| Average earning assets | $131,117,400 | 3,559 |
| Average equity | $15,484,200 | 3,587 |
| Average total loans | $49,595,000 | 4,007 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6040% | 2,547 |
| Cost of funding earning assets | 0.1245% | 4,311 |
| Net interest margin | 3.4795% | 1,929 |
| Noninterest income to average assets | 0.2934% | 3,692 |
| Noninterest expense to average assets | 1.8533% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7812% | 692 |
| Return on assets (ROA) | 1.7812% | 726 |
| Pretax return on assets | 1.7812% | 1,204 |
| Return on Equity (ROE) | 15.6468% | 1,012 |
| Retained earnings to average equity (ytd only) | 10.4399% | 1,186 |
| Net charge-offs to loans | 0.0404% | 1,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 120.2000% | 773 |
| Efficiency ratio | 50.9921% | 4,123 |
| Assets per employee ($millions) | 9.7993% | 680 |
| Cash dividends to net income (ytd only)* | 33.2779% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6461% | 1,231 |
| Loan loss allowance to noncurrent loans | 103.3376% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 1,358 |
| Noncurrent loans to loans | 1.5929% | 643 |
| Net loans and leases to total assets | 35.0594% | 4,427 |
| Net loans and leases to deposits | 40.2635% | 4,441 |
| Net loans and leases to core deposits | 43.1701% | 4,409 |
| Total domestic deposits to total assets | 87.0749% | 2,326 |
| Equity capital to assets | 11.6867% | 1,546 |
| Core capital (leverage) ratio | 11.6746% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,962,000 | 3,668 |
| Average earning assets | $129,595,000 | 3,617 |
| Average equity | $15,363,750 | 3,643 |
| Average total loans | $49,553,750 | 4,064 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4212% | 3,112 |
| Cost of funding earning assets | 0.1289% | 4,362 |
| Net interest margin | 3.2923% | 2,462 |
| Noninterest income to average assets | 0.2816% | 3,733 |
| Noninterest expense to average assets | 1.8582% | 4,057 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5825% | 1,086 |
| Return on assets (ROA) | 1.5825% | 1,144 |
| Pretax return on assets | 1.5825% | 1,785 |
| Return on Equity (ROE) | 14.0284% | 1,406 |
| Retained earnings to average equity (ytd only) | 9.4051% | 1,588 |
| Net charge-offs to loans | 0.0683% | 944 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 62.4706% | 953 |
| Efficiency ratio | 54.0061% | 3,805 |
| Assets per employee ($millions) | 9.7559% | 659 |
| Cash dividends to net income (ytd only)* | 32.9567% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 1,193 |
| Loan loss allowance to noncurrent loans | 102.9487% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 1,456 |
| Noncurrent loans to loans | 1.5930% | 692 |
| Net loans and leases to total assets | 35.2609% | 4,485 |
| Net loans and leases to deposits | 40.3441% | 4,512 |
| Net loans and leases to core deposits | 43.5073% | 4,475 |
| Total domestic deposits to total assets | 87.4002% | 2,130 |
| Equity capital to assets | 11.3968% | 1,702 |
| Core capital (leverage) ratio | 11.2050% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,219,333 | 3,692 |
| Average earning assets | $128,787,000 | 3,641 |
| Average equity | $15,140,667 | 3,669 |
| Average total loans | $49,770,667 | 4,092 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1643% | 3,748 |
| Cost of funding earning assets | 0.1380% | 4,392 |
| Net interest margin | 3.0263% | 3,193 |
| Noninterest income to average assets | 0.2586% | 3,852 |
| Noninterest expense to average assets | 1.8581% | 4,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3019% | 1,820 |
| Return on assets (ROA) | 1.3019% | 1,902 |
| Pretax return on assets | 1.3019% | 2,566 |
| Return on Equity (ROE) | 11.6024% | 2,157 |
| Retained earnings to average equity (ytd only) | 6.2433% | 2,816 |
| Net charge-offs to loans | -0.0957% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8011% | 3,186 |
| Assets per employee ($millions) | 9.7712% | 636 |
| Cash dividends to net income (ytd only)* | 46.1894% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6124% | 1,251 |
| Loan loss allowance to noncurrent loans | 150.9982% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 2,192 |
| Noncurrent loans to loans | 1.0678% | 1,259 |
| Net loans and leases to total assets | 37.1127% | 4,453 |
| Net loans and leases to deposits | 42.2557% | 4,490 |
| Net loans and leases to core deposits | 45.5752% | 4,451 |
| Total domestic deposits to total assets | 87.8287% | 1,926 |
| Equity capital to assets | 11.0266% | 1,835 |
| Core capital (leverage) ratio | 10.9641% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,038,000 | 3,705 |
| Average earning assets | $127,546,500 | 3,652 |
| Average equity | $14,928,000 | 3,695 |
| Average total loans | $50,174,500 | 4,101 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5190% | 3,992 |
| Cost of funding earning assets | 0.1803% | 4,644 |
| Net interest margin | 3.3386% | 2,957 |
| Noninterest income to average assets | 0.5108% | 2,583 |
| Noninterest expense to average assets | 1.9022% | 4,320 |
| Loan and lease loss provision to assets | 0.3380% | 1,038 |
| Net operating income to assets | 1.4540% | 912 |
| Return on assets (ROA) | 1.4540% | 992 |
| Pretax return on assets | 1.4540% | 1,496 |
| Return on Equity (ROE) | 12.2486% | 1,247 |
| Retained earnings to average equity (ytd only) | 6.2720% | 1,675 |
| Net charge-offs to loans | 0.6960% | 216 |
| Credit loss provision to net charge-offs | 113.7640% | 2,694 |
| Earnings coverage of net charge-offs (x) | 6.0309% | 2,815 |
| Efficiency ratio | 51.4912% | 4,420 |
| Assets per employee ($millions) | 9.2342% | 683 |
| Cash dividends to net income (ytd only)* | 48.7945% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 1,079 |
| Loan loss allowance to noncurrent loans | 102.6283% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 1,707 |
| Noncurrent loans to loans | 1.6390% | 803 |
| Net loans and leases to total assets | 37.0733% | 4,561 |
| Net loans and leases to deposits | 42.4502% | 4,581 |
| Net loans and leases to core deposits | 44.9821% | 4,574 |
| Total domestic deposits to total assets | 87.3336% | 1,774 |
| Equity capital to assets | 11.4264% | 1,939 |
| Core capital (leverage) ratio | 11.8065% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,811,000 | 3,749 |
| Average earning assets | $114,238,000 | 3,706 |
| Average equity | $14,222,000 | 3,729 |
| Average total loans | $51,148,800 | 4,094 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6686% | 3,862 |
| Cost of funding earning assets | 0.1918% | 4,698 |
| Net interest margin | 3.4768% | 2,670 |
| Noninterest income to average assets | 0.4042% | 3,056 |
| Noninterest expense to average assets | 1.9504% | 4,254 |
| Loan and lease loss provision to assets | 0.3465% | 1,100 |
| Net operating income to assets | 1.4202% | 1,057 |
| Return on assets (ROA) | 1.4202% | 1,146 |
| Pretax return on assets | 1.4202% | 1,664 |
| Return on Equity (ROE) | 11.8425% | 1,419 |
| Retained earnings to average equity (ytd only) | 5.6893% | 2,245 |
| Net charge-offs to loans | 0.9198% | 147 |
| Credit loss provision to net charge-offs | 85.4342% | 2,726 |
| Earnings coverage of net charge-offs (x) | 4.3585% | 2,829 |
| Efficiency ratio | 52.4740% | 4,296 |
| Assets per employee ($millions) | 8.5964% | 816 |
| Cash dividends to net income (ytd only)* | 51.9584% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 2,100 |
| Loan loss allowance to noncurrent loans | 170.9524% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 2,746 |
| Noncurrent loans to loans | 0.7696% | 1,891 |
| Net loans and leases to total assets | 44.7499% | 4,385 |
| Net loans and leases to deposits | 51.7886% | 4,417 |
| Net loans and leases to core deposits | 55.1651% | 4,407 |
| Total domestic deposits to total assets | 86.4087% | 1,893 |
| Equity capital to assets | 12.0059% | 1,672 |
| Core capital (leverage) ratio | 11.7827% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,444,000 | 3,770 |
| Average earning assets | $111,901,000 | 3,724 |
| Average equity | $14,084,500 | 3,753 |
| Average total loans | $51,749,000 | 4,098 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7594% | 3,968 |
| Cost of funding earning assets | 0.1966% | 4,773 |
| Net interest margin | 3.5628% | 2,602 |
| Noninterest income to average assets | 0.3709% | 3,251 |
| Noninterest expense to average assets | 1.9850% | 4,260 |
| Loan and lease loss provision to assets | 0.2232% | 1,875 |
| Net operating income to assets | 1.5540% | 841 |
| Return on assets (ROA) | 1.5540% | 912 |
| Pretax return on assets | 1.5540% | 1,332 |
| Return on Equity (ROE) | 12.9628% | 1,106 |
| Retained earnings to average equity (ytd only) | 6.5172% | 1,855 |
| Net charge-offs to loans | 0.0709% | 1,540 |
| Credit loss provision to net charge-offs | 722.2222% | 983 |
| Earnings coverage of net charge-offs (x) | 57.5000% | 1,002 |
| Efficiency ratio | 52.7613% | 4,292 |
| Assets per employee ($millions) | 8.7436% | 738 |
| Cash dividends to net income (ytd only)* | 49.7238% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 942 |
| Loan loss allowance to noncurrent loans | 107.2993% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.6715% | 1,829 |
| Noncurrent loans to loans | 1.5181% | 994 |
| Net loans and leases to total assets | 43.5116% | 4,479 |
| Net loans and leases to deposits | 50.1134% | 4,529 |
| Net loans and leases to core deposits | 53.8141% | 4,503 |
| Total domestic deposits to total assets | 86.8263% | 1,691 |
| Equity capital to assets | 11.6444% | 1,876 |
| Core capital (leverage) ratio | 11.9239% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,475,667 | 3,768 |
| Average earning assets | $110,868,333 | 3,726 |
| Average equity | $13,963,000 | 3,771 |
| Average total loans | $50,807,333 | 4,123 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9981% | 3,794 |
| Cost of funding earning assets | 0.2042% | 4,883 |
| Net interest margin | 3.7939% | 2,001 |
| Noninterest income to average assets | 0.3454% | 3,453 |
| Noninterest expense to average assets | 2.0827% | 4,256 |
| Loan and lease loss provision to assets | 0.1762% | 1,682 |
| Net operating income to assets | 1.6880% | 526 |
| Return on assets (ROA) | 1.6880% | 578 |
| Pretax return on assets | 1.6880% | 872 |
| Return on Equity (ROE) | 13.8665% | 721 |
| Retained earnings to average equity (ytd only) | 6.6293% | 1,671 |
| Net charge-offs to loans | -0.0570% | 4,677 |
| Credit loss provision to net charge-offs | -714.2857% | 3,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7679% | 4,488 |
| Assets per employee ($millions) | 8.1893% | 691 |
| Cash dividends to net income (ytd only)* | 52.1921% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 845 |
| Loan loss allowance to noncurrent loans | 70.9262% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.0170% | 1,294 |
| Noncurrent loans to loans | 2.4227% | 506 |
| Net loans and leases to total assets | 41.2569% | 4,620 |
| Net loans and leases to deposits | 47.6704% | 4,672 |
| Net loans and leases to core deposits | 50.7097% | 4,658 |
| Total domestic deposits to total assets | 86.5460% | 1,751 |
| Equity capital to assets | 12.0794% | 2,010 |
| Core capital (leverage) ratio | 12.1216% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,508,000 | 3,797 |
| Average earning assets | $107,751,000 | 3,757 |
| Average equity | $13,817,500 | 3,794 |
| Average total loans | $49,138,500 | 4,171 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 3,708 |
| Cost of funding earning assets | 0.2272% | 4,901 |
| Net interest margin | 4.0120% | 1,815 |
| Noninterest income to average assets | 0.3747% | 3,455 |
| Noninterest expense to average assets | 2.1437% | 4,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.0313% | 325 |
| Return on assets (ROA) | 2.0436% | 328 |
| Pretax return on assets | 2.0436% | 541 |
| Return on Equity (ROE) | 16.4207% | 488 |
| Retained earnings to average equity (ytd only) | 8.8361% | 753 |
| Net charge-offs to loans | 0.0082% | 3,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 538.0000% | 177 |
| Efficiency ratio | 51.3452% | 4,649 |
| Assets per employee ($millions) | 8.0261% | 706 |
| Cash dividends to net income (ytd only)* | 46.1894% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 1,124 |
| Loan loss allowance to noncurrent loans | 85.8417% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 1,623 |
| Noncurrent loans to loans | 1.7887% | 755 |
| Net loans and leases to total assets | 43.9448% | 4,602 |
| Net loans and leases to deposits | 50.9120% | 4,654 |
| Net loans and leases to core deposits | 53.9149% | 4,652 |
| Total domestic deposits to total assets | 86.3153% | 1,928 |
| Equity capital to assets | 12.2688% | 1,970 |
| Core capital (leverage) ratio | 12.8594% | 1,304 |
| Tier 1 risk-based capital ratio | 21.2616% | 1,120 |
| Total risk-based capital ratio | 22.4491% | 1,110 |
| Memoranda: | ||
| Average total assets | $105,940,200 | 3,897 |
| Average earning assets | $100,348,200 | 3,864 |
| Average equity | $13,184,600 | 3,873 |
| Average total loans | $49,058,800 | 4,201 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2627% | 3,770 |
| Cost of funding earning assets | 0.2280% | 4,977 |
| Net interest margin | 4.0347% | 1,816 |
| Noninterest income to average assets | 0.3834% | 3,417 |
| Noninterest expense to average assets | 2.1840% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0217% | 380 |
| Return on assets (ROA) | 2.0383% | 384 |
| Pretax return on assets | 2.0383% | 633 |
| Return on Equity (ROE) | 16.3156% | 560 |
| Retained earnings to average equity (ytd only) | 8.6437% | 1,152 |
| Net charge-offs to loans | -0.0191% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9295% | 4,600 |
| Assets per employee ($millions) | 7.5138% | 836 |
| Cash dividends to net income (ytd only)* | 47.0223% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 1,016 |
| Loan loss allowance to noncurrent loans | 102.8986% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.7215% | 1,899 |
| Noncurrent loans to loans | 1.5423% | 970 |
| Net loans and leases to total assets | 46.0401% | 4,594 |
| Net loans and leases to deposits | 53.8601% | 4,640 |
| Net loans and leases to core deposits | 56.8967% | 4,656 |
| Total domestic deposits to total assets | 85.4810% | 2,219 |
| Equity capital to assets | 12.8839% | 1,694 |
| Core capital (leverage) ratio | 12.8764% | 1,392 |
| Tier 1 risk-based capital ratio | 21.7299% | 1,110 |
| Total risk-based capital ratio | 22.9794% | 1,079 |
| Memoranda: | ||
| Average total assets | $104,333,750 | 3,973 |
| Average earning assets | $98,840,250 | 3,930 |
| Average equity | $13,034,250 | 3,921 |
| Average total loans | $48,786,250 | 4,262 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2235% | 3,865 |
| Cost of funding earning assets | 0.2213% | 5,027 |
| Net interest margin | 4.0022% | 1,912 |
| Noninterest income to average assets | 0.3806% | 3,397 |
| Noninterest expense to average assets | 2.1990% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9703% | 406 |
| Return on assets (ROA) | 1.9952% | 411 |
| Pretax return on assets | 1.9952% | 682 |
| Return on Equity (ROE) | 16.1414% | 569 |
| Retained earnings to average equity (ytd only) | 8.3662% | 1,254 |
| Net charge-offs to loans | -0.0370% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7432% | 4,588 |
| Assets per employee ($millions) | 6.9617% | 1,014 |
| Cash dividends to net income (ytd only)* | 48.1696% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 1,067 |
| Loan loss allowance to noncurrent loans | 116.3447% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 2,108 |
| Noncurrent loans to loans | 1.3596% | 1,143 |
| Net loans and leases to total assets | 46.6512% | 4,617 |
| Net loans and leases to deposits | 54.4009% | 4,669 |
| Net loans and leases to core deposits | 57.6153% | 4,658 |
| Total domestic deposits to total assets | 85.7545% | 2,154 |
| Equity capital to assets | 12.6587% | 1,771 |
| Core capital (leverage) ratio | 12.5080% | 1,534 |
| Tier 1 risk-based capital ratio | 21.4207% | 1,129 |
| Total risk-based capital ratio | 22.6712% | 1,106 |
| Memoranda: | ||
| Average total assets | $104,047,330 | 3,998 |
| Average earning assets | $98,497,000 | 3,956 |
| Average equity | $12,861,330 | 3,951 |
| Average total loans | $48,644,330 | 4,288 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 4,017 |
| Cost of funding earning assets | 0.2073% | 5,103 |
| Net interest margin | 3.9382% | 2,068 |
| Noninterest income to average assets | 0.3505% | 3,516 |
| Noninterest expense to average assets | 2.1799% | 4,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9026% | 459 |
| Return on assets (ROA) | 1.9527% | 432 |
| Pretax return on assets | 1.9527% | 697 |
| Return on Equity (ROE) | 15.9905% | 593 |
| Retained earnings to average equity (ytd only) | 8.1057% | 1,616 |
| Net charge-offs to loans | -0.0498% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3962% | 4,588 |
| Assets per employee ($millions) | 7.5171% | 810 |
| Cash dividends to net income (ytd only)* | 49.3097% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 984 |
| Loan loss allowance to noncurrent loans | 121.4953% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 2,244 |
| Noncurrent loans to loans | 1.3517% | 1,199 |
| Net loans and leases to total assets | 44.3909% | 4,731 |
| Net loans and leases to deposits | 51.4402% | 4,764 |
| Net loans and leases to core deposits | 54.2546% | 4,777 |
| Total domestic deposits to total assets | 86.2961% | 2,143 |
| Equity capital to assets | 12.1826% | 1,914 |
| Core capital (leverage) ratio | 12.6001% | 1,456 |
| Tier 1 risk-based capital ratio | 21.6232% | 1,094 |
| Total risk-based capital ratio | 22.8746% | 1,076 |
| Memoranda: | ||
| Average total assets | $103,858,000 | 4,041 |
| Average earning assets | $98,421,000 | 3,995 |
| Average equity | $12,682,500 | 3,985 |
| Average total loans | $48,217,000 | 4,347 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9977% | 4,036 |
| Cost of funding earning assets | 0.1840% | 5,065 |
| Net interest margin | 3.8137% | 2,619 |
| Noninterest income to average assets | 0.3720% | 3,603 |
| Noninterest expense to average assets | 2.2531% | 4,221 |
| Loan and lease loss provision to assets | 0.1230% | 1,792 |
| Net operating income to assets | 1.6090% | 851 |
| Return on assets (ROA) | 1.6090% | 842 |
| Pretax return on assets | 1.6090% | 1,441 |
| Return on Equity (ROE) | 13.7357% | 1,119 |
| Retained earnings to average equity (ytd only) | 7.5335% | 1,444 |
| Net charge-offs to loans | -0.0492% | 4,971 |
| Credit loss provision to net charge-offs | -552.1739% | 4,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5386% | 4,339 |
| Assets per employee ($millions) | 6.8317% | 1,054 |
| Cash dividends to net income (ytd only)* | 45.1535% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 1,070 |
| Loan loss allowance to noncurrent loans | 439.2045% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 3,951 |
| Noncurrent loans to loans | 0.3596% | 3,250 |
| Net loans and leases to total assets | 47.0003% | 4,696 |
| Net loans and leases to deposits | 54.5329% | 4,728 |
| Net loans and leases to core deposits | 57.1897% | 4,736 |
| Total domestic deposits to total assets | 86.1870% | 2,136 |
| Equity capital to assets | 12.2409% | 1,733 |
| Core capital (leverage) ratio | 12.4763% | 1,467 |
| Tier 1 risk-based capital ratio | 20.5843% | 1,211 |
| Total risk-based capital ratio | 21.8341% | 1,186 |
| Memoranda: | ||
| Average total assets | $103,233,600 | 4,051 |
| Average earning assets | $97,805,600 | 4,007 |
| Average equity | $12,092,600 | 4,008 |
| Average total loans | $46,747,800 | 4,378 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 4,074 |
| Cost of funding earning assets | 0.1810% | 5,090 |
| Net interest margin | 3.7704% | 2,752 |
| Noninterest income to average assets | 0.3661% | 3,676 |
| Noninterest expense to average assets | 2.2535% | 4,206 |
| Loan and lease loss provision to assets | 0.0645% | 2,683 |
| Net operating income to assets | 1.6192% | 933 |
| Return on assets (ROA) | 1.6192% | 930 |
| Pretax return on assets | 1.6192% | 1,515 |
| Return on Equity (ROE) | 13.9788% | 1,131 |
| Retained earnings to average equity (ytd only) | 8.4139% | 1,461 |
| Net charge-offs to loans | -0.0404% | 4,857 |
| Credit loss provision to net charge-offs | -357.1429% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2364% | 4,217 |
| Assets per employee ($millions) | 6.7357% | 1,059 |
| Cash dividends to net income (ytd only)* | 39.8090% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 1,550 |
| Loan loss allowance to noncurrent loans | 438.2166% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 4,180 |
| Noncurrent loans to loans | 0.3289% | 3,491 |
| Net loans and leases to total assets | 46.5591% | 4,777 |
| Net loans and leases to deposits | 54.0770% | 4,818 |
| Net loans and leases to core deposits | 56.8932% | 4,822 |
| Total domestic deposits to total assets | 86.0979% | 2,147 |
| Equity capital to assets | 12.1938% | 1,774 |
| Core capital (leverage) ratio | 12.2256% | 1,657 |
| Tier 1 risk-based capital ratio | 20.7454% | 1,220 |
| Total risk-based capital ratio | 21.8892% | 1,207 |
| Memoranda: | ||
| Average total assets | $103,423,000 | 4,086 |
| Average earning assets | $97,952,250 | 4,046 |
| Average equity | $11,979,750 | 4,060 |
| Average total loans | $46,200,500 | 4,438 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 4,111 |
| Cost of funding earning assets | 0.1843% | 5,102 |
| Net interest margin | 3.7013% | 2,922 |
| Noninterest income to average assets | 0.3665% | 3,703 |
| Noninterest expense to average assets | 2.2395% | 4,279 |
| Loan and lease loss provision to assets | 0.0960% | 2,012 |
| Net operating income to assets | 1.5391% | 1,055 |
| Return on assets (ROA) | 1.5391% | 1,060 |
| Pretax return on assets | 1.5391% | 1,683 |
| Return on Equity (ROE) | 13.5172% | 1,203 |
| Retained earnings to average equity (ytd only) | 7.6182% | 1,789 |
| Net charge-offs to loans | -0.2057% | 5,328 |
| Credit loss provision to net charge-offs | -106.3830% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8009% | 4,266 |
| Assets per employee ($millions) | 6.8681% | 978 |
| Cash dividends to net income (ytd only)* | 43.6409% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 1,132 |
| Loan loss allowance to noncurrent loans | 222.5309% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 3,508 |
| Noncurrent loans to loans | 0.7163% | 2,322 |
| Net loans and leases to total assets | 43.2082% | 4,944 |
| Net loans and leases to deposits | 49.8321% | 4,986 |
| Net loans and leases to core deposits | 52.6569% | 4,973 |
| Total domestic deposits to total assets | 86.7077% | 1,968 |
| Equity capital to assets | 11.6994% | 2,065 |
| Core capital (leverage) ratio | 11.5905% | 1,990 |
| Tier 1 risk-based capital ratio | 20.8340% | 1,206 |
| Total risk-based capital ratio | 22.0678% | 1,180 |
| Memoranda: | ||
| Average total assets | $104,219,000 | 4,108 |
| Average earning assets | $98,777,000 | 4,074 |
| Average equity | $11,866,330 | 4,107 |
| Average total loans | $45,691,000 | 4,502 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8040% | 4,207 |
| Cost of funding earning assets | 0.1733% | 5,143 |
| Net interest margin | 3.6308% | 3,068 |
| Noninterest income to average assets | 0.3664% | 3,689 |
| Noninterest expense to average assets | 2.1676% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6371% | 786 |
| Return on assets (ROA) | 1.6371% | 787 |
| Pretax return on assets | 1.6371% | 1,279 |
| Return on Equity (ROE) | 14.5757% | 882 |
| Retained earnings to average equity (ytd only) | 7.7805% | 1,925 |
| Net charge-offs to loans | -0.3397% | 5,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9709% | 4,468 |
| Assets per employee ($millions) | 7.6432% | 723 |
| Cash dividends to net income (ytd only)* | 46.6200% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 1,513 |
| Loan loss allowance to noncurrent loans | 89.1129% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 2,240 |
| Noncurrent loans to loans | 1.6661% | 1,030 |
| Net loans and leases to total assets | 41.1121% | 5,024 |
| Net loans and leases to deposits | 46.9985% | 5,075 |
| Net loans and leases to core deposits | 49.6311% | 5,049 |
| Total domestic deposits to total assets | 87.4754% | 1,910 |
| Equity capital to assets | 11.0789% | 2,505 |
| Core capital (leverage) ratio | 11.4704% | 2,037 |
| Tier 1 risk-based capital ratio | 20.8169% | 1,230 |
| Total risk-based capital ratio | 21.9716% | 1,222 |
| Memoranda: | ||
| Average total assets | $104,817,500 | 4,148 |
| Average earning assets | $99,263,000 | 4,111 |
| Average equity | $11,773,000 | 4,157 |
| Average total loans | $45,919,000 | 4,543 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8434% | 3,905 |
| Cost of funding earning assets | 0.1673% | 5,174 |
| Net interest margin | 3.6761% | 2,892 |
| Noninterest income to average assets | 0.3942% | 3,674 |
| Noninterest expense to average assets | 2.1766% | 4,574 |
| Loan and lease loss provision to assets | 0.2156% | 914 |
| Net operating income to assets | 1.4845% | 837 |
| Return on assets (ROA) | 1.4845% | 857 |
| Pretax return on assets | 1.4845% | 1,702 |
| Return on Equity (ROE) | 13.0169% | 950 |
| Retained earnings to average equity (ytd only) | 6.4205% | 1,324 |
| Net charge-offs to loans | 0.6439% | 345 |
| Credit loss provision to net charge-offs | 71.4286% | 3,070 |
| Earnings coverage of net charge-offs (x) | 5.6312% | 3,297 |
| Efficiency ratio | 56.1449% | 4,758 |
| Assets per employee ($millions) | 7.3307% | 834 |
| Cash dividends to net income (ytd only)* | 50.6757% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 2,106 |
| Loan loss allowance to noncurrent loans | 63.8690% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 0.9520% | 1,631 |
| Noncurrent loans to loans | 2.0707% | 729 |
| Net loans and leases to total assets | 45.3659% | 4,919 |
| Net loans and leases to deposits | 52.0707% | 4,982 |
| Net loans and leases to core deposits | 54.7116% | 4,976 |
| Total domestic deposits to total assets | 87.1236% | 1,935 |
| Equity capital to assets | 11.3914% | 2,292 |
| Core capital (leverage) ratio | 11.8047% | 1,720 |
| Tier 1 risk-based capital ratio | 19.3685% | 1,436 |
| Total risk-based capital ratio | 20.4022% | 1,447 |
| Memoranda: | ||
| Average total assets | $99,699,000 | 4,242 |
| Average earning assets | $94,446,800 | 4,193 |
| Average equity | $11,369,800 | 4,239 |
| Average total loans | $46,744,800 | 4,542 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 3,832 |
| Cost of funding earning assets | 0.1661% | 5,219 |
| Net interest margin | 3.6831% | 2,813 |
| Noninterest income to average assets | 0.3813% | 3,804 |
| Noninterest expense to average assets | 2.2229% | 4,479 |
| Loan and lease loss provision to assets | 0.1145% | 1,884 |
| Net operating income to assets | 1.5385% | 819 |
| Return on assets (ROA) | 1.5385% | 849 |
| Pretax return on assets | 1.5385% | 1,630 |
| Return on Equity (ROE) | 13.4871% | 936 |
| Retained earnings to average equity (ytd only) | 7.5821% | 1,399 |
| Net charge-offs to loans | 0.0286% | 2,864 |
| Credit loss provision to net charge-offs | 850.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 122.7277% | 619 |
| Efficiency ratio | 57.3514% | 4,580 |
| Assets per employee ($millions) | 6.8939% | 991 |
| Cash dividends to net income (ytd only)* | 43.7828% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 1,150 |
| Loan loss allowance to noncurrent loans | 73.2960% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.1097% | 1,496 |
| Noncurrent loans to loans | 2.2404% | 724 |
| Net loans and leases to total assets | 48.7173% | 4,780 |
| Net loans and leases to deposits | 56.4772% | 4,849 |
| Net loans and leases to core deposits | 59.5283% | 4,838 |
| Total domestic deposits to total assets | 86.2600% | 2,203 |
| Equity capital to assets | 12.0604% | 1,926 |
| Core capital (leverage) ratio | 11.6395% | 1,923 |
| Tier 1 risk-based capital ratio | 19.0509% | 1,570 |
| Total risk-based capital ratio | 20.3020% | 1,534 |
| Memoranda: | ||
| Average total assets | $98,966,250 | 4,299 |
| Average earning assets | $93,905,250 | 4,239 |
| Average equity | $11,289,500 | 4,298 |
| Average total loans | $46,635,250 | 4,592 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 4,038 |
| Cost of funding earning assets | 0.1647% | 5,247 |
| Net interest margin | 3.5943% | 3,064 |
| Noninterest income to average assets | 0.3788% | 3,842 |
| Noninterest expense to average assets | 2.1968% | 4,567 |
| Loan and lease loss provision to assets | 0.1002% | 2,010 |
| Net operating income to assets | 1.4932% | 879 |
| Return on assets (ROA) | 1.4932% | 901 |
| Pretax return on assets | 1.4932% | 1,672 |
| Return on Equity (ROE) | 13.3361% | 955 |
| Retained earnings to average equity (ytd only) | 7.0708% | 1,566 |
| Net charge-offs to loans | 0.0822% | 1,791 |
| Credit loss provision to net charge-offs | 263.1579% | 1,047 |
| Earnings coverage of net charge-offs (x) | 41.8421% | 1,212 |
| Efficiency ratio | 57.9588% | 4,594 |
| Assets per employee ($millions) | 7.2029% | 845 |
| Cash dividends to net income (ytd only)* | 46.9799% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 1,263 |
| Loan loss allowance to noncurrent loans | 47.9612% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.5321% | 976 |
| Noncurrent loans to loans | 3.3280% | 362 |
| Net loans and leases to total assets | 45.3020% | 4,980 |
| Net loans and leases to deposits | 51.9905% | 5,059 |
| Net loans and leases to core deposits | 54.7364% | 5,059 |
| Total domestic deposits to total assets | 87.1352% | 1,889 |
| Equity capital to assets | 11.3168% | 2,481 |
| Core capital (leverage) ratio | 11.3199% | 2,110 |
| Tier 1 risk-based capital ratio | 19.1007% | 1,577 |
| Total risk-based capital ratio | 20.3435% | 1,524 |
| Memoranda: | ||
| Average total assets | $99,783,670 | 4,313 |
| Average earning assets | $94,706,000 | 4,255 |
| Average equity | $11,172,670 | 4,330 |
| Average total loans | $46,245,670 | 4,628 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7411% | 3,966 |
| Cost of funding earning assets | 0.1614% | 5,293 |
| Net interest margin | 3.5798% | 2,967 |
| Noninterest income to average assets | 0.3829% | 3,789 |
| Noninterest expense to average assets | 2.2689% | 4,487 |
| Loan and lease loss provision to assets | 0.2015% | 815 |
| Net operating income to assets | 1.3098% | 1,210 |
| Return on assets (ROA) | 1.3098% | 1,245 |
| Pretax return on assets | 1.3098% | 2,201 |
| Return on Equity (ROE) | 11.7615% | 1,321 |
| Retained earnings to average equity (ytd only) | 2.7142% | 4,052 |
| Net charge-offs to loans | 0.2340% | 767 |
| Credit loss provision to net charge-offs | 185.1852% | 1,070 |
| Earnings coverage of net charge-offs (x) | 13.8889% | 1,756 |
| Efficiency ratio | 60.0213% | 4,452 |
| Assets per employee ($millions) | 7.2977% | 820 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 1,310 |
| Loan loss allowance to noncurrent loans | 49.3935% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 1.4525% | 1,129 |
| Noncurrent loans to loans | 3.3009% | 382 |
| Net loans and leases to total assets | 43.2856% | 5,078 |
| Net loans and leases to deposits | 49.3660% | 5,163 |
| Net loans and leases to core deposits | 52.3157% | 5,131 |
| Total domestic deposits to total assets | 87.6830% | 1,897 |
| Equity capital to assets | 10.8537% | 2,794 |
| Core capital (leverage) ratio | 10.9815% | 2,373 |
| Tier 1 risk-based capital ratio | 19.0985% | 1,589 |
| Total risk-based capital ratio | 20.3489% | 1,553 |
| Memoranda: | ||
| Average total assets | $99,255,000 | 4,362 |
| Average earning assets | $94,196,000 | 4,305 |
| Average equity | $11,053,000 | 4,380 |
| Average total loans | $46,156,500 | 4,669 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8327% | 3,799 |
| Cost of funding earning assets | 0.1637% | 5,330 |
| Net interest margin | 3.6691% | 2,822 |
| Noninterest income to average assets | 0.3468% | 4,255 |
| Noninterest expense to average assets | 2.1600% | 4,862 |
| Loan and lease loss provision to assets | 0.4025% | 385 |
| Net operating income to assets | 1.2549% | 1,344 |
| Return on assets (ROA) | 1.2549% | 1,422 |
| Pretax return on assets | 1.2549% | 2,452 |
| Return on Equity (ROE) | 11.2986% | 1,467 |
| Retained earnings to average equity (ytd only) | 4.7945% | 2,476 |
| Net charge-offs to loans | 1.2567% | 132 |
| Credit loss provision to net charge-offs | 68.0628% | 3,155 |
| Earnings coverage of net charge-offs (x) | 2.8028% | 3,768 |
| Efficiency ratio | 56.5829% | 5,006 |
| Assets per employee ($millions) | 6.8816% | 967 |
| Cash dividends to net income (ytd only)* | 57.5658% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 1,674 |
| Loan loss allowance to noncurrent loans | 46.7721% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.5756% | 1,027 |
| Noncurrent loans to loans | 3.2055% | 396 |
| Net loans and leases to total assets | 48.4171% | 4,867 |
| Net loans and leases to deposits | 55.6290% | 4,932 |
| Net loans and leases to core deposits | 58.7392% | 4,922 |
| Total domestic deposits to total assets | 87.0358% | 2,128 |
| Equity capital to assets | 11.4353% | 2,222 |
| Core capital (leverage) ratio | 11.5718% | 1,879 |
| Tier 1 risk-based capital ratio | 18.0729% | 1,832 |
| Total risk-based capital ratio | 19.2401% | 1,813 |
| Memoranda: | ||
| Average total assets | $96,899,600 | 4,407 |
| Average earning assets | $91,658,400 | 4,356 |
| Average equity | $10,762,400 | 4,455 |
| Average total loans | $45,596,400 | 4,695 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7958% | 3,936 |
| Cost of funding earning assets | 0.1655% | 5,382 |
| Net interest margin | 3.6303% | 2,964 |
| Noninterest income to average assets | 0.3353% | 4,385 |
| Noninterest expense to average assets | 2.2025% | 4,763 |
| Loan and lease loss provision to assets | 0.5359% | 224 |
| Net operating income to assets | 1.0319% | 2,280 |
| Return on assets (ROA) | 1.0319% | 2,407 |
| Pretax return on assets | 1.0319% | 3,510 |
| Return on Equity (ROE) | 9.3591% | 2,331 |
| Retained earnings to average equity (ytd only) | 4.9973% | 2,829 |
| Net charge-offs to loans | 1.7096% | 73 |
| Credit loss provision to net charge-offs | 67.3575% | 2,832 |
| Earnings coverage of net charge-offs (x) | 1.9706% | 3,633 |
| Efficiency ratio | 58.4184% | 4,762 |
| Assets per employee ($millions) | 6.7701% | 974 |
| Cash dividends to net income (ytd only)* | 46.6049% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 1,744 |
| Loan loss allowance to noncurrent loans | 67.4330% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.1015% | 1,844 |
| Noncurrent loans to loans | 2.2342% | 833 |
| Net loans and leases to total assets | 48.5583% | 4,917 |
| Net loans and leases to deposits | 55.9583% | 5,001 |
| Net loans and leases to core deposits | 59.1637% | 4,985 |
| Total domestic deposits to total assets | 86.7758% | 1,994 |
| Equity capital to assets | 11.5371% | 2,483 |
| Core capital (leverage) ratio | 11.4601% | 2,062 |
| Tier 1 risk-based capital ratio | 18.1447% | 1,875 |
| Total risk-based capital ratio | 19.3191% | 1,863 |
| Memoranda: | ||
| Average total assets | $97,039,000 | 4,441 |
| Average earning assets | $91,818,250 | 4,386 |
| Average equity | $10,698,750 | 4,508 |
| Average total loans | $45,156,500 | 4,745 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8001% | 3,956 |
| Cost of funding earning assets | 0.1665% | 5,443 |
| Net interest margin | 3.6336% | 2,958 |
| Noninterest income to average assets | 0.3170% | 4,513 |
| Noninterest expense to average assets | 2.2190% | 4,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5339% | 841 |
| Return on assets (ROA) | 1.5339% | 883 |
| Pretax return on assets | 1.5339% | 1,569 |
| Return on Equity (ROE) | 14.1243% | 810 |
| Retained earnings to average equity (ytd only) | 7.5330% | 1,365 |
| Net charge-offs to loans | -0.0896% | 5,582 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1281% | 4,749 |
| Assets per employee ($millions) | 6.7716% | 966 |
| Cash dividends to net income (ytd only)* | 46.6667% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0154% | 712 |
| Loan loss allowance to noncurrent loans | 808.8496% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 5,036 |
| Noncurrent loans to loans | 0.2492% | 4,457 |
| Net loans and leases to total assets | 46.8735% | 5,077 |
| Net loans and leases to deposits | 53.9631% | 5,138 |
| Net loans and leases to core deposits | 58.0398% | 5,069 |
| Total domestic deposits to total assets | 86.8621% | 1,979 |
| Equity capital to assets | 11.5093% | 2,541 |
| Core capital (leverage) ratio | 11.1332% | 2,296 |
| Tier 1 risk-based capital ratio | 18.5505% | 1,788 |
| Total risk-based capital ratio | 19.8042% | 1,752 |
| Memoranda: | ||
| Average total assets | $97,791,670 | 4,454 |
| Average earning assets | $92,471,000 | 4,412 |
| Average equity | $10,620,000 | 4,547 |
| Average total loans | $44,632,670 | 4,810 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 4,206 |
| Cost of funding earning assets | 0.1617% | 5,533 |
| Net interest margin | 3.5693% | 3,206 |
| Noninterest income to average assets | 0.3505% | 4,222 |
| Noninterest expense to average assets | 2.2722% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4584% | 921 |
| Return on assets (ROA) | 1.4584% | 965 |
| Pretax return on assets | 1.4584% | 1,726 |
| Return on Equity (ROE) | 13.8240% | 869 |
| Retained earnings to average equity (ytd only) | 0.4583% | 5,003 |
| Net charge-offs to loans | -0.1084% | 5,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9071% | 4,612 |
| Assets per employee ($millions) | 6.5274% | 1,092 |
| Cash dividends to net income (ytd only)* | 96.6851% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0648% | 736 |
| Loan loss allowance to noncurrent loans | 141.6275% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 3,100 |
| Noncurrent loans to loans | 1.4579% | 1,619 |
| Net loans and leases to total assets | 43.8408% | 5,251 |
| Net loans and leases to deposits | 49.9453% | 5,339 |
| Net loans and leases to core deposits | 53.5451% | 5,285 |
| Total domestic deposits to total assets | 87.7777% | 1,763 |
| Equity capital to assets | 10.7087% | 3,246 |
| Core capital (leverage) ratio | 10.5401% | 2,914 |
| Tier 1 risk-based capital ratio | 18.1918% | 1,933 |
| Total risk-based capital ratio | 19.4462% | 1,897 |
| Memoranda: | ||
| Average total assets | $99,286,500 | 4,482 |
| Average earning assets | $94,023,500 | 4,425 |
| Average equity | $10,474,500 | 4,586 |
| Average total loans | $44,273,500 | 4,861 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6911% | 4,390 |
| Cost of funding earning assets | 0.1631% | 5,584 |
| Net interest margin | 3.5279% | 3,420 |
| Noninterest income to average assets | 0.3685% | 4,270 |
| Noninterest expense to average assets | 2.3285% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3773% | 1,078 |
| Return on assets (ROA) | 1.3773% | 1,123 |
| Pretax return on assets | 1.3773% | 1,988 |
| Return on Equity (ROE) | 12.9696% | 1,066 |
| Retained earnings to average equity (ytd only) | 7.0384% | 1,265 |
| Net charge-offs to loans | 0.0771% | 2,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 39.7576% | 1,189 |
| Efficiency ratio | 62.8329% | 4,472 |
| Assets per employee ($millions) | 6.2914% | 1,207 |
| Cash dividends to net income (ytd only)* | 45.7317% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 809 |
| Loan loss allowance to noncurrent loans | 166.6045% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 3,513 |
| Noncurrent loans to loans | 1.1986% | 1,967 |
| Net loans and leases to total assets | 43.5358% | 5,306 |
| Net loans and leases to deposits | 49.3920% | 5,420 |
| Net loans and leases to core deposits | 51.8204% | 5,417 |
| Total domestic deposits to total assets | 88.1435% | 1,560 |
| Equity capital to assets | 10.3952% | 3,495 |
| Core capital (leverage) ratio | 10.8990% | 2,493 |
| Tier 1 risk-based capital ratio | 17.6002% | 2,090 |
| Total risk-based capital ratio | 18.8532% | 2,040 |
| Memoranda: | ||
| Average total assets | $95,256,200 | 4,558 |
| Average earning assets | $90,109,600 | 4,501 |
| Average equity | $10,116,000 | 4,647 |
| Average total loans | $42,790,800 | 4,904 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7272% | 4,338 |
| Cost of funding earning assets | 0.1651% | 5,665 |
| Net interest margin | 3.5621% | 3,294 |
| Noninterest income to average assets | 0.3692% | 4,286 |
| Noninterest expense to average assets | 2.2604% | 4,884 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4781% | 956 |
| Return on assets (ROA) | 1.4781% | 992 |
| Pretax return on assets | 1.4781% | 1,741 |
| Return on Equity (ROE) | 13.8396% | 939 |
| Retained earnings to average equity (ytd only) | 5.8629% | 2,332 |
| Net charge-offs to loans | 0.2017% | 1,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 16.2659% | 2,127 |
| Efficiency ratio | 60.4633% | 4,820 |
| Assets per employee ($millions) | 5.8625% | 1,463 |
| Cash dividends to net income (ytd only)* | 57.6367% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0105% | 905 |
| Loan loss allowance to noncurrent loans | 145.1178% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 3,359 |
| Noncurrent loans to loans | 1.3854% | 1,847 |
| Net loans and leases to total assets | 44.7900% | 5,304 |
| Net loans and leases to deposits | 51.2529% | 5,405 |
| Net loans and leases to core deposits | 53.9964% | 5,403 |
| Total domestic deposits to total assets | 87.3902% | 1,851 |
| Equity capital to assets | 10.9147% | 3,111 |
| Core capital (leverage) ratio | 10.6832% | 2,845 |
| Tier 1 risk-based capital ratio | 17.6807% | 2,124 |
| Total risk-based capital ratio | 18.9345% | 2,086 |
| Memoranda: | ||
| Average total assets | $93,904,750 | 4,635 |
| Average earning assets | $88,822,250 | 4,580 |
| Average equity | $10,029,000 | 4,716 |
| Average total loans | $42,309,250 | 4,982 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6681% | 4,516 |
| Cost of funding earning assets | 0.1666% | 5,729 |
| Net interest margin | 3.5015% | 3,489 |
| Noninterest income to average assets | 0.3683% | 4,306 |
| Noninterest expense to average assets | 2.2376% | 5,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4414% | 1,010 |
| Return on assets (ROA) | 1.4414% | 1,048 |
| Pretax return on assets | 1.4414% | 1,833 |
| Return on Equity (ROE) | 13.5953% | 986 |
| Retained earnings to average equity (ytd only) | 5.5626% | 2,498 |
| Net charge-offs to loans | 0.5318% | 461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.0446% | 2,834 |
| Efficiency ratio | 60.8218% | 4,858 |
| Assets per employee ($millions) | 5.8591% | 1,459 |
| Cash dividends to net income (ytd only)* | 59.0842% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9616% | 1,046 |
| Loan loss allowance to noncurrent loans | 189.9533% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 4,108 |
| Noncurrent loans to loans | 1.0327% | 2,583 |
| Net loans and leases to total assets | 43.3426% | 5,413 |
| Net loans and leases to deposits | 49.4897% | 5,535 |
| Net loans and leases to core deposits | 51.8364% | 5,545 |
| Total domestic deposits to total assets | 87.5792% | 1,857 |
| Equity capital to assets | 10.7717% | 3,141 |
| Core capital (leverage) ratio | 10.6963% | 2,735 |
| Tier 1 risk-based capital ratio | 16.4723% | 2,622 |
| Total risk-based capital ratio | 17.7239% | 2,576 |
| Memoranda: | ||
| Average total assets | $93,939,670 | 4,683 |
| Average earning assets | $88,820,000 | 4,623 |
| Average equity | $9,959,330 | 4,762 |
| Average total loans | $42,120,670 | 5,026 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6699% | 4,470 |
| Cost of funding earning assets | 0.1619% | 5,831 |
| Net interest margin | 3.5080% | 3,406 |
| Noninterest income to average assets | 0.3701% | 4,247 |
| Noninterest expense to average assets | 2.1524% | 5,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5356% | 794 |
| Return on assets (ROA) | 1.5356% | 835 |
| Pretax return on assets | 1.5356% | 1,439 |
| Return on Equity (ROE) | 14.6006% | 771 |
| Retained earnings to average equity (ytd only) | 2.4671% | 4,455 |
| Net charge-offs to loans | 1.1870% | 184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.8651% | 2,687 |
| Efficiency ratio | 58.3622% | 5,297 |
| Assets per employee ($millions) | 5.9284% | 1,444 |
| Cash dividends to net income (ytd only)* | 83.1025% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9332% | 1,219 |
| Loan loss allowance to noncurrent loans | 204.0816% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 4,376 |
| Noncurrent loans to loans | 0.9472% | 2,881 |
| Net loans and leases to total assets | 42.7847% | 5,439 |
| Net loans and leases to deposits | 48.6461% | 5,538 |
| Net loans and leases to core deposits | 50.9223% | 5,549 |
| Total domestic deposits to total assets | 87.9510% | 1,857 |
| Equity capital to assets | 10.4814% | 3,554 |
| Core capital (leverage) ratio | 10.4625% | 3,016 |
| Tier 1 risk-based capital ratio | 15.5795% | 3,113 |
| Total risk-based capital ratio | 16.4119% | 3,266 |
| Memoranda: | ||
| Average total assets | $94,036,500 | 4,719 |
| Average earning assets | $88,939,000 | 4,658 |
| Average equity | $9,890,000 | 4,807 |
| Average total loans | $42,458,500 | 5,051 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 4,667 |
| Cost of funding earning assets | 0.1746% | 5,943 |
| Net interest margin | 3.5677% | 3,529 |
| Noninterest income to average assets | 0.4052% | 4,150 |
| Noninterest expense to average assets | 2.4013% | 4,840 |
| Loan and lease loss provision to assets | 0.1511% | 1,736 |
| Net operating income to assets | 1.2201% | 1,522 |
| Return on assets (ROA) | 1.2201% | 1,576 |
| Pretax return on assets | 1.2201% | 2,569 |
| Return on Equity (ROE) | 11.2215% | 1,649 |
| Retained earnings to average equity (ytd only) | 4.9055% | 2,677 |
| Net charge-offs to loans | 0.0602% | 3,638 |
| Credit loss provision to net charge-offs | 550.0000% | 480 |
| Earnings coverage of net charge-offs (x) | 49.9167% | 927 |
| Efficiency ratio | 63.6529% | 4,639 |
| Assets per employee ($millions) | 5.8262% | 1,506 |
| Cash dividends to net income (ytd only)* | 56.2852% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1271% | 908 |
| Loan loss allowance to noncurrent loans | 112.6521% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.8818% | 3,003 |
| Noncurrent loans to loans | 1.8882% | 1,495 |
| Net loans and leases to total assets | 45.7074% | 5,354 |
| Net loans and leases to deposits | 52.0263% | 5,478 |
| Net loans and leases to core deposits | 54.7471% | 5,458 |
| Total domestic deposits to total assets | 87.8544% | 1,846 |
| Equity capital to assets | 10.5536% | 3,414 |
| Core capital (leverage) ratio | 10.8662% | 2,538 |
| Tier 1 risk-based capital ratio | 18.5558% | 1,975 |
| Total risk-based capital ratio | 19.8119% | 1,942 |
| Memoranda: | ||
| Average total assets | $87,369,000 | 4,901 |
| Average earning assets | $82,461,800 | 4,838 |
| Average equity | $9,499,600 | 4,863 |
| Average total loans | $39,845,000 | 5,189 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 4,759 |
| Cost of funding earning assets | 0.1776% | 6,010 |
| Net interest margin | 3.5564% | 3,602 |
| Noninterest income to average assets | 0.4113% | 4,160 |
| Noninterest expense to average assets | 2.4336% | 4,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3348% | 1,277 |
| Return on assets (ROA) | 1.3348% | 1,333 |
| Pretax return on assets | 1.3348% | 2,257 |
| Return on Equity (ROE) | 12.1789% | 1,431 |
| Retained earnings to average equity (ytd only) | 3.6820% | 4,019 |
| Net charge-offs to loans | -0.0582% | 5,969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5799% | 4,449 |
| Assets per employee ($millions) | 5.4658% | 1,756 |
| Cash dividends to net income (ytd only)* | 69.7673% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9855% | 1,285 |
| Loan loss allowance to noncurrent loans | 213.0102% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 4,556 |
| Noncurrent loans to loans | 0.9321% | 3,231 |
| Net loans and leases to total assets | 47.1344% | 5,279 |
| Net loans and leases to deposits | 54.0654% | 5,385 |
| Net loans and leases to core deposits | 57.1516% | 5,387 |
| Total domestic deposits to total assets | 87.1804% | 2,214 |
| Equity capital to assets | 10.9889% | 2,966 |
| Core capital (leverage) ratio | 11.0524% | 2,436 |
| Tier 1 risk-based capital ratio | 18.2718% | 2,123 |
| Total risk-based capital ratio | 19.5259% | 2,086 |
| Memoranda: | ||
| Average total assets | $85,906,500 | 4,978 |
| Average earning assets | $81,090,500 | 4,924 |
| Average equity | $9,415,000 | 4,917 |
| Average total loans | $38,922,750 | 5,274 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6727% | 4,938 |
| Cost of funding earning assets | 0.1758% | 6,101 |
| Net interest margin | 3.4969% | 3,801 |
| Noninterest income to average assets | 0.4286% | 4,037 |
| Noninterest expense to average assets | 2.4312% | 4,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3046% | 1,293 |
| Return on assets (ROA) | 1.3046% | 1,346 |
| Pretax return on assets | 1.3046% | 2,238 |
| Return on Equity (ROE) | 11.9144% | 1,451 |
| Retained earnings to average equity (ytd only) | 3.3583% | 4,061 |
| Net charge-offs to loans | -0.0370% | 5,758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0784% | 4,518 |
| Assets per employee ($millions) | 5.3238% | 1,848 |
| Cash dividends to net income (ytd only)* | 71.8133% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1300% | 1,121 |
| Loan loss allowance to noncurrent loans | 743.2432% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 5,768 |
| Noncurrent loans to loans | 0.2866% | 5,163 |
| Net loans and leases to total assets | 44.5029% | 5,499 |
| Net loans and leases to deposits | 51.1034% | 5,554 |
| Net loans and leases to core deposits | 54.4116% | 5,524 |
| Total domestic deposits to total assets | 87.0840% | 2,411 |
| Equity capital to assets | 11.1609% | 2,723 |
| Core capital (leverage) ratio | 11.1035% | 2,328 |
| Tier 1 risk-based capital ratio | 19.6341% | 1,775 |
| Total risk-based capital ratio | 20.8904% | 1,743 |
| Memoranda: | ||
| Average total assets | $85,391,330 | 5,033 |
| Average earning assets | $80,758,000 | 4,966 |
| Average equity | $9,350,000 | 4,950 |
| Average total loans | $37,878,670 | 5,342 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 5,266 |
| Cost of funding earning assets | 0.1730% | 6,209 |
| Net interest margin | 3.3905% | 4,164 |
| Noninterest income to average assets | 0.4024% | 4,165 |
| Noninterest expense to average assets | 2.4095% | 4,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2024% | 1,480 |
| Return on assets (ROA) | 1.2024% | 1,543 |
| Pretax return on assets | 1.2024% | 2,475 |
| Return on Equity (ROE) | 11.0877% | 1,657 |
| Retained earnings to average equity (ytd only) | -6.1694% | 6,191 |
| Net charge-offs to loans | 0.0214% | 3,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 128.5000% | 381 |
| Efficiency ratio | 66.7098% | 4,412 |
| Assets per employee ($millions) | 5.4333% | 1,769 |
| Cash dividends to net income (ytd only)* | 155.6420% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2388% | 1,108 |
| Loan loss allowance to noncurrent loans | 816.0000% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 5,905 |
| Noncurrent loans to loans | 0.2744% | 5,286 |
| Net loans and leases to total assets | 40.9879% | 5,749 |
| Net loans and leases to deposits | 46.7017% | 5,806 |
| Net loans and leases to core deposits | 49.4669% | 5,795 |
| Total domestic deposits to total assets | 87.7653% | 2,371 |
| Equity capital to assets | 10.6059% | 3,137 |
| Core capital (leverage) ratio | 10.6635% | 2,748 |
| Tier 1 risk-based capital ratio | 20.1683% | 1,678 |
| Total risk-based capital ratio | 21.4262% | 1,646 |
| Memoranda: | ||
| Average total assets | $85,496,500 | 5,078 |
| Average earning assets | $80,932,500 | 5,002 |
| Average equity | $9,271,500 | 4,984 |
| Average total loans | $37,451,500 | 5,408 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6686% | 5,223 |
| Cost of funding earning assets | 0.1876% | 6,352 |
| Net interest margin | 3.4810% | 3,984 |
| Noninterest income to average assets | 0.4481% | 4,095 |
| Noninterest expense to average assets | 2.4445% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2759% | 1,314 |
| Return on assets (ROA) | 1.2711% | 1,386 |
| Pretax return on assets | 1.2833% | 2,222 |
| Return on Equity (ROE) | 11.8003% | 1,485 |
| Retained earnings to average equity (ytd only) | 10.6668% | 471 |
| Net charge-offs to loans | -0.2327% | 6,640 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4890% | 4,654 |
| Assets per employee ($millions) | 5.2538% | 1,898 |
| Cash dividends to net income (ytd only)* | 9.6061% | 4,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1272% | 1,290 |
| Loan loss allowance to noncurrent loans | 786.5385% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 5,953 |
| Noncurrent loans to loans | 0.2704% | 5,367 |
| Net loans and leases to total assets | 44.7740% | 5,604 |
| Net loans and leases to deposits | 51.3150% | 5,673 |
| Net loans and leases to core deposits | 54.3738% | 5,650 |
| Total domestic deposits to total assets | 87.2532% | 2,602 |
| Equity capital to assets | 11.0909% | 2,531 |
| Core capital (leverage) ratio | 11.3041% | 2,115 |
| Tier 1 risk-based capital ratio | 19.2068% | 1,865 |
| Total risk-based capital ratio | 20.4483% | 1,827 |
| Memoranda: | ||
| Average total assets | $81,899,000 | 5,194 |
| Average earning assets | $77,277,200 | 5,114 |
| Average equity | $8,821,800 | 5,135 |
| Average total loans | $35,237,000 | 5,525 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6215% | 5,381 |
| Cost of funding earning assets | 0.1892% | 6,453 |
| Net interest margin | 3.4323% | 4,157 |
| Noninterest income to average assets | 0.4572% | 4,106 |
| Noninterest expense to average assets | 2.4910% | 4,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1897% | 1,671 |
| Return on assets (ROA) | 1.1832% | 1,760 |
| Pretax return on assets | 1.1996% | 2,695 |
| Return on Equity (ROE) | 11.0693% | 1,793 |
| Retained earnings to average equity (ytd only) | 9.5361% | 897 |
| Net charge-offs to loans | -0.3679% | 6,748 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3759% | 4,215 |
| Assets per employee ($millions) | 5.0343% | 2,120 |
| Cash dividends to net income (ytd only)* | 13.8505% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2697% | 1,225 |
| Loan loss allowance to noncurrent loans | 437.3684% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 5,736 |
| Noncurrent loans to loans | 0.5190% | 4,897 |
| Net loans and leases to total assets | 44.4220% | 5,693 |
| Net loans and leases to deposits | 51.0501% | 5,773 |
| Net loans and leases to core deposits | 54.6809% | 5,714 |
| Total domestic deposits to total assets | 87.0164% | 2,685 |
| Equity capital to assets | 11.1511% | 2,618 |
| Core capital (leverage) ratio | 11.0663% | 2,418 |
| Tier 1 risk-based capital ratio | 18.6596% | 2,092 |
| Total risk-based capital ratio | 19.9148% | 2,063 |
| Memoranda: | ||
| Average total assets | $81,358,750 | 5,251 |
| Average earning assets | $76,797,750 | 5,172 |
| Average equity | $8,696,500 | 5,216 |
| Average total loans | $34,432,500 | 5,612 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5293% | 5,631 |
| Cost of funding earning assets | 0.1893% | 6,528 |
| Net interest margin | 3.3400% | 4,416 |
| Noninterest income to average assets | 0.4484% | 4,171 |
| Noninterest expense to average assets | 2.4722% | 4,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1073% | 1,905 |
| Return on assets (ROA) | 1.0976% | 2,047 |
| Pretax return on assets | 1.1222% | 3,006 |
| Return on Equity (ROE) | 10.4170% | 2,035 |
| Retained earnings to average equity (ytd only) | 8.0918% | 1,445 |
| Net charge-offs to loans | -0.4866% | 6,822 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5928% | 4,084 |
| Assets per employee ($millions) | 5.1553% | 1,925 |
| Cash dividends to net income (ytd only)* | 22.3214% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4154% | 1,075 |
| Loan loss allowance to noncurrent loans | 190.6760% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 4,968 |
| Noncurrent loans to loans | 1.2668% | 3,439 |
| Net loans and leases to total assets | 40.0655% | 6,037 |
| Net loans and leases to deposits | 45.6660% | 6,127 |
| Net loans and leases to core deposits | 49.1852% | 6,070 |
| Total domestic deposits to total assets | 87.7360% | 2,424 |
| Equity capital to assets | 10.5753% | 3,198 |
| Core capital (leverage) ratio | 10.7919% | 2,572 |
| Tier 1 risk-based capital ratio | 18.1869% | 2,257 |
| Total risk-based capital ratio | 19.3862% | 2,234 |
| Memoranda: | ||
| Average total assets | $81,629,000 | 5,282 |
| Average earning assets | $77,125,670 | 5,190 |
| Average equity | $8,601,330 | 5,276 |
| Average total loans | $33,706,000 | 5,678 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4922% | 5,724 |
| Cost of funding earning assets | 0.1879% | 6,634 |
| Net interest margin | 3.3043% | 4,501 |
| Noninterest income to average assets | 0.4828% | 3,903 |
| Noninterest expense to average assets | 2.5221% | 4,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0286% | 2,110 |
| Return on assets (ROA) | 1.0098% | 2,297 |
| Pretax return on assets | 1.0591% | 3,113 |
| Return on Equity (ROE) | 9.6013% | 2,231 |
| Retained earnings to average equity (ytd only) | 9.6013% | 1,216 |
| Net charge-offs to loans | -0.8922% | 6,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0410% | 3,964 |
| Assets per employee ($millions) | 5.1908% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5138% | 1,099 |
| Loan loss allowance to noncurrent loans | 115.6919% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.8440% | 4,272 |
| Noncurrent loans to loans | 2.1728% | 2,419 |
| Net loans and leases to total assets | 37.8686% | 6,155 |
| Net loans and leases to deposits | 43.0264% | 6,271 |
| Net loans and leases to core deposits | 45.6705% | 6,226 |
| Total domestic deposits to total assets | 88.0125% | 2,302 |
| Equity capital to assets | 10.4066% | 3,657 |
| Core capital (leverage) ratio | 10.2656% | 3,054 |
| Tier 1 risk-based capital ratio | 18.6179% | 2,150 |
| Total risk-based capital ratio | 19.7899% | 2,147 |
| Memoranda: | ||
| Average total assets | $81,201,000 | 5,333 |
| Average earning assets | $76,628,500 | 5,247 |
| Average equity | $8,540,500 | 5,348 |
| Average total loans | $33,626,000 | 5,719 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 5,902 |
| Cost of funding earning assets | 0.2089% | 6,812 |
| Net interest margin | 3.5605% | 4,262 |
| Noninterest income to average assets | 0.4608% | 4,168 |
| Noninterest expense to average assets | 2.4694% | 5,194 |
| Loan and lease loss provision to assets | 0.2790% | 2,421 |
| Net operating income to assets | 1.0819% | 2,001 |
| Return on assets (ROA) | 1.0554% | 2,296 |
| Pretax return on assets | 1.0428% | 3,386 |
| Return on Equity (ROE) | 10.3373% | 2,033 |
| Retained earnings to average equity (ytd only) | 7.1224% | 1,511 |
| Net charge-offs to loans | 0.1783% | 3,945 |
| Credit loss provision to net charge-offs | 381.0345% | 641 |
| Earnings coverage of net charge-offs (x) | 18.4138% | 1,438 |
| Efficiency ratio | 64.6825% | 4,762 |
| Assets per employee ($millions) | 4.9593% | 2,284 |
| Cash dividends to net income (ytd only)* | 31.1005% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1035% | 1,763 |
| Loan loss allowance to noncurrent loans | 327.1111% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 5,836 |
| Noncurrent loans to loans | 0.6430% | 4,909 |
| Net loans and leases to total assets | 43.1688% | 5,890 |
| Net loans and leases to deposits | 49.1964% | 6,015 |
| Net loans and leases to core deposits | 52.2595% | 5,999 |
| Total domestic deposits to total assets | 87.7478% | 2,380 |
| Equity capital to assets | 10.6340% | 3,359 |
| Core capital (leverage) ratio | 10.7082% | 2,540 |
| Tier 1 risk-based capital ratio | 17.1944% | 2,560 |
| Total risk-based capital ratio | 18.3260% | 2,579 |
| Memoranda: | ||
| Average total assets | $79,210,800 | 5,375 |
| Average earning assets | $74,680,000 | 5,290 |
| Average equity | $8,087,200 | 5,476 |
| Average total loans | $32,525,200 | 5,825 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7254% | 6,184 |
| Cost of funding earning assets | 0.2162% | 6,914 |
| Net interest margin | 3.5092% | 4,605 |
| Noninterest income to average assets | 0.4631% | 4,190 |
| Noninterest expense to average assets | 2.4805% | 5,142 |
| Loan and lease loss provision to assets | 0.3705% | 1,751 |
| Net operating income to assets | 0.9194% | 2,884 |
| Return on assets (ROA) | 0.8841% | 3,296 |
| Pretax return on assets | 0.8841% | 4,178 |
| Return on Equity (ROE) | 8.7503% | 2,925 |
| Retained earnings to average equity (ytd only) | 8.7503% | 1,327 |
| Net charge-offs to loans | 0.2382% | 3,292 |
| Credit loss provision to net charge-offs | 385.9649% | 700 |
| Earnings coverage of net charge-offs (x) | 13.4383% | 1,910 |
| Efficiency ratio | 65.7883% | 4,483 |
| Assets per employee ($millions) | 4.7854% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1046% | 1,894 |
| Loan loss allowance to noncurrent loans | 379.3814% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 6,063 |
| Noncurrent loans to loans | 0.5547% | 5,334 |
| Net loans and leases to total assets | 44.7131% | 5,902 |
| Net loans and leases to deposits | 51.2193% | 6,027 |
| Net loans and leases to core deposits | 55.1866% | 5,948 |
| Total domestic deposits to total assets | 87.2972% | 2,504 |
| Equity capital to assets | 10.9161% | 3,363 |
| Core capital (leverage) ratio | 10.4760% | 2,940 |
| Tier 1 risk-based capital ratio | 16.3391% | 3,091 |
| Total risk-based capital ratio | 17.4407% | 3,140 |
| Memoranda: | ||
| Average total assets | $79,176,250 | 5,431 |
| Average earning assets | $74,620,750 | 5,342 |
| Average equity | $7,999,500 | 5,558 |
| Average total loans | $31,909,000 | 5,931 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6101% | 6,472 |
| Cost of funding earning assets | 0.2225% | 6,987 |
| Net interest margin | 3.3876% | 5,128 |
| Noninterest income to average assets | 0.4922% | 3,966 |
| Noninterest expense to average assets | 2.4611% | 5,259 |
| Loan and lease loss provision to assets | 0.2124% | 2,954 |
| Net operating income to assets | 1.0144% | 2,401 |
| Return on assets (ROA) | 0.9769% | 2,799 |
| Pretax return on assets | 0.9769% | 3,797 |
| Return on Equity (ROE) | 9.9239% | 2,392 |
| Retained earnings to average equity (ytd only) | 9.9239% | 999 |
| Net charge-offs to loans | 0.0712% | 4,435 |
| Credit loss provision to net charge-offs | 772.7273% | 405 |
| Earnings coverage of net charge-offs (x) | 44.6364% | 806 |
| Efficiency ratio | 66.7344% | 4,376 |
| Assets per employee ($millions) | 5.4035% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0696% | 2,060 |
| Loan loss allowance to noncurrent loans | 157.0388% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5083% | 5,490 |
| Noncurrent loans to loans | 1.3179% | 3,944 |
| Net loans and leases to total assets | 37.7720% | 6,499 |
| Net loans and leases to deposits | 42.7375% | 6,613 |
| Net loans and leases to core deposits | 45.7569% | 6,583 |
| Total domestic deposits to total assets | 88.3815% | 1,902 |
| Equity capital to assets | 10.0109% | 4,320 |
| Core capital (leverage) ratio | 10.1659% | 3,183 |
| Tier 1 risk-based capital ratio | 17.5564% | 2,453 |
| Total risk-based capital ratio | 18.6371% | 2,478 |
| Memoranda: | ||
| Average total assets | $80,046,330 | 5,431 |
| Average earning assets | $75,511,000 | 5,339 |
| Average equity | $7,880,000 | 5,608 |
| Average total loans | $30,888,330 | 6,017 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6183% | 6,557 |
| Cost of funding earning assets | 0.2348% | 7,044 |
| Net interest margin | 3.3835% | 5,182 |
| Noninterest income to average assets | 0.5582% | 3,511 |
| Noninterest expense to average assets | 2.5244% | 5,073 |
| Loan and lease loss provision to assets | 0.3721% | 1,697 |
| Net operating income to assets | 0.8498% | 3,165 |
| Return on assets (ROA) | 0.7996% | 3,615 |
| Pretax return on assets | 0.7996% | 4,414 |
| Return on Equity (ROE) | 8.1927% | 3,198 |
| Retained earnings to average equity (ytd only) | 8.1927% | 1,908 |
| Net charge-offs to loans | 0.0782% | 3,715 |
| Credit loss provision to net charge-offs | 1,233.3333% | 287 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 745 |
| Efficiency ratio | 67.3826% | 4,291 |
| Assets per employee ($millions) | 5.3355% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0738% | 2,162 |
| Loan loss allowance to noncurrent loans | 155.5825% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 5,577 |
| Noncurrent loans to loans | 1.3329% | 4,117 |
| Net loans and leases to total assets | 37.8206% | 6,502 |
| Net loans and leases to deposits | 42.6624% | 6,623 |
| Net loans and leases to core deposits | 45.7976% | 6,581 |
| Total domestic deposits to total assets | 88.6509% | 1,916 |
| Equity capital to assets | 9.8010% | 4,373 |
| Core capital (leverage) ratio | 9.8068% | 3,633 |
| Tier 1 risk-based capital ratio | 17.0083% | 2,678 |
| Total risk-based capital ratio | 18.0901% | 2,699 |
| Memoranda: | ||
| Average total assets | $79,543,500 | 5,489 |
| Average earning assets | $74,953,000 | 5,405 |
| Average equity | $7,763,000 | 5,671 |
| Average total loans | $30,701,500 | 6,075 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 6,507 |
| Cost of funding earning assets | 0.4208% | 6,828 |
| Net interest margin | 3.5509% | 4,928 |
| Noninterest income to average assets | 0.5304% | 3,649 |
| Noninterest expense to average assets | 2.7550% | 4,535 |
| Loan and lease loss provision to assets | 0.1979% | 4,210 |
| Net operating income to assets | 0.9055% | 2,577 |
| Return on assets (ROA) | 0.8767% | 2,844 |
| Pretax return on assets | 0.8767% | 3,684 |
| Return on Equity (ROE) | 8.3563% | 2,736 |
| Retained earnings to average equity (ytd only) | 4.8199% | 2,771 |
| Net charge-offs to loans | 0.7470% | 2,286 |
| Credit loss provision to net charge-offs | 61.5385% | 5,133 |
| Earnings coverage of net charge-offs (x) | 3.4316% | 3,524 |
| Efficiency ratio | 71.4031% | 3,712 |
| Assets per employee ($millions) | 5.2703% | 1,860 |
| Cash dividends to net income (ytd only)* | 42.3197% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8791% | 2,632 |
| Loan loss allowance to noncurrent loans | 88.5626% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8184% | 4,996 |
| Noncurrent loans to loans | 2.1218% | 3,040 |
| Net loans and leases to total assets | 37.8475% | 6,654 |
| Net loans and leases to deposits | 42.6332% | 6,782 |
| Net loans and leases to core deposits | 45.9079% | 6,741 |
| Total domestic deposits to total assets | 88.7748% | 1,673 |
| Equity capital to assets | 9.7174% | 4,568 |
| Core capital (leverage) ratio | 9.9002% | 3,456 |
| Tier 1 risk-based capital ratio | 16.7741% | 2,703 |
| Total risk-based capital ratio | 17.8541% | 2,746 |
| Memoranda: | ||
| Average total assets | $72,776,400 | 5,675 |
| Average earning assets | $68,207,200 | 5,604 |
| Average equity | $7,635,000 | 5,679 |
| Average total loans | $31,323,600 | 6,105 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0761% | 6,457 |
| Cost of funding earning assets | 0.4722% | 6,806 |
| Net interest margin | 3.6039% | 4,751 |
| Noninterest income to average assets | 0.5411% | 3,578 |
| Noninterest expense to average assets | 2.8442% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0692% | 2,075 |
| Return on assets (ROA) | 1.0448% | 2,313 |
| Pretax return on assets | 1.0448% | 3,233 |
| Return on Equity (ROE) | 9.7594% | 2,292 |
| Retained earnings to average equity (ytd only) | 8.0104% | 1,505 |
| Net charge-offs to loans | 0.9979% | 1,614 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.4195% | 3,912 |
| Efficiency ratio | 72.6794% | 3,424 |
| Assets per employee ($millions) | 5.1231% | 2,033 |
| Cash dividends to net income (ytd only)* | 17.9212% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 4,482 |
| Loan loss allowance to noncurrent loans | 93.0283% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 5,623 |
| Noncurrent loans to loans | 1.5227% | 3,993 |
| Net loans and leases to total assets | 38.6703% | 6,728 |
| Net loans and leases to deposits | 43.8854% | 6,840 |
| Net loans and leases to core deposits | 48.4811% | 6,742 |
| Total domestic deposits to total assets | 88.1166% | 1,979 |
| Equity capital to assets | 10.1839% | 4,112 |
| Core capital (leverage) ratio | 10.7384% | 2,629 |
| Tier 1 risk-based capital ratio | 17.7735% | 2,341 |
| Total risk-based capital ratio | 18.7377% | 2,419 |
| Memoranda: | ||
| Average total assets | $71,207,000 | 5,754 |
| Average earning assets | $66,630,250 | 5,691 |
| Average equity | $7,623,250 | 5,712 |
| Average total loans | $31,531,250 | 6,163 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1497% | 6,386 |
| Cost of funding earning assets | 0.5284% | 6,750 |
| Net interest margin | 3.6213% | 4,644 |
| Noninterest income to average assets | 0.5337% | 3,609 |
| Noninterest expense to average assets | 2.9830% | 3,706 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9318% | 2,508 |
| Return on assets (ROA) | 0.9318% | 2,613 |
| Pretax return on assets | 0.9318% | 3,500 |
| Return on Equity (ROE) | 8.5499% | 2,697 |
| Retained earnings to average equity (ytd only) | 8.5499% | 1,249 |
| Net charge-offs to loans | 1.4628% | 1,023 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.3803% | 4,243 |
| Efficiency ratio | 76.1975% | 2,979 |
| Assets per employee ($millions) | 4.6177% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 4,775 |
| Loan loss allowance to noncurrent loans | 81.8702% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.7565% | 5,390 |
| Noncurrent loans to loans | 1.6615% | 3,929 |
| Net loans and leases to total assets | 44.9109% | 6,360 |
| Net loans and leases to deposits | 51.5691% | 6,496 |
| Net loans and leases to core deposits | 57.0412% | 6,348 |
| Total domestic deposits to total assets | 87.0889% | 2,693 |
| Equity capital to assets | 11.1238% | 2,842 |
| Core capital (leverage) ratio | 10.9639% | 2,282 |
| Tier 1 risk-based capital ratio | 17.2521% | 2,427 |
| Total risk-based capital ratio | 18.2088% | 2,510 |
| Memoranda: | ||
| Average total assets | $69,327,000 | 5,843 |
| Average earning assets | $64,727,670 | 5,794 |
| Average equity | $7,555,670 | 5,747 |
| Average total loans | $31,993,670 | 6,197 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0596% | 6,585 |
| Cost of funding earning assets | 0.5861% | 6,663 |
| Net interest margin | 3.4735% | 5,129 |
| Noninterest income to average assets | 0.5190% | 3,735 |
| Noninterest expense to average assets | 2.8144% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9516% | 2,347 |
| Return on assets (ROA) | 0.9516% | 2,413 |
| Pretax return on assets | 0.9516% | 3,309 |
| Return on Equity (ROE) | 8.8223% | 2,546 |
| Retained earnings to average equity (ytd only) | 8.8223% | 1,440 |
| Net charge-offs to loans | -0.0248% | 6,640 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7320% | 3,383 |
| Assets per employee ($millions) | 4.7231% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1669% | 2,034 |
| Loan loss allowance to noncurrent loans | 137.6812% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 5,587 |
| Noncurrent loans to loans | 1.5739% | 4,116 |
| Net loans and leases to total assets | 42.3786% | 6,586 |
| Net loans and leases to deposits | 48.4446% | 6,724 |
| Net loans and leases to core deposits | 53.3286% | 6,599 |
| Total domestic deposits to total assets | 87.4787% | 2,676 |
| Equity capital to assets | 10.8586% | 2,816 |
| Core capital (leverage) ratio | 10.6140% | 2,493 |
| Tier 1 risk-based capital ratio | 17.6602% | 2,226 |
| Total risk-based capital ratio | 18.7462% | 2,264 |
| Memoranda: | ||
| Average total assets | $69,357,500 | 5,882 |
| Average earning assets | $64,834,500 | 5,831 |
| Average equity | $7,481,000 | 5,781 |
| Average total loans | $32,222,000 | 6,232 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 4,946 |
| Cost of funding earning assets | 0.7684% | 6,683 |
| Net interest margin | 4.1458% | 2,384 |
| Noninterest income to average assets | 0.5680% | 3,692 |
| Noninterest expense to average assets | 2.8475% | 4,413 |
| Loan and lease loss provision to assets | 0.5209% | 3,071 |
| Net operating income to assets | 1.2575% | 1,275 |
| Return on assets (ROA) | 1.2575% | 1,346 |
| Pretax return on assets | 0.9932% | 2,950 |
| Return on Equity (ROE) | 11.2311% | 1,517 |
| Retained earnings to average equity (ytd only) | 5.8054% | 1,936 |
| Net charge-offs to loans | 0.3820% | 4,133 |
| Credit loss provision to net charge-offs | 270.0787% | 1,022 |
| Earnings coverage of net charge-offs (x) | 7.8504% | 2,055 |
| Efficiency ratio | 65.2855% | 5,113 |
| Assets per employee ($millions) | 4.5245% | 2,820 |
| Cash dividends to net income (ytd only)* | 48.3092% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9642% | 2,393 |
| Loan loss allowance to noncurrent loans | 87.2368% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.1198% | 4,773 |
| Noncurrent loans to loans | 2.2515% | 3,270 |
| Net loans and leases to total assets | 48.7594% | 6,301 |
| Net loans and leases to deposits | 55.6542% | 6,469 |
| Net loans and leases to core deposits | 60.5316% | 6,354 |
| Total domestic deposits to total assets | 87.6112% | 2,474 |
| Equity capital to assets | 10.7105% | 2,941 |
| Core capital (leverage) ratio | 11.3272% | 1,938 |
| Tier 1 risk-based capital ratio | 18.4909% | 1,847 |
| Total risk-based capital ratio | 19.7456% | 1,808 |
| Memoranda: | ||
| Average total assets | $65,846,600 | 6,007 |
| Average earning assets | $60,253,200 | 5,987 |
| Average equity | $7,372,400 | 5,915 |
| Average total loans | $33,246,600 | 6,248 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 4,808 |
| Cost of funding earning assets | 0.8183% | 6,697 |
| Net interest margin | 4.1833% | 2,278 |
| Noninterest income to average assets | 0.5856% | 3,538 |
| Noninterest expense to average assets | 2.9057% | 4,064 |
| Loan and lease loss provision to assets | 0.5265% | 2,827 |
| Net operating income to assets | 1.2978% | 1,342 |
| Return on assets (ROA) | 1.2978% | 1,411 |
| Pretax return on assets | 0.9611% | 3,326 |
| Return on Equity (ROE) | 11.4619% | 1,656 |
| Retained earnings to average equity (ytd only) | 11.4619% | 530 |
| Net charge-offs to loans | -0.0201% | 7,355 |
| Credit loss provision to net charge-offs | -5,160.0000% | 7,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1403% | 4,826 |
| Assets per employee ($millions) | 4.2619% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0343% | 2,138 |
| Loan loss allowance to noncurrent loans | 43.0825% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.5779% | 2,798 |
| Noncurrent loans to loans | 4.7219% | 1,505 |
| Net loans and leases to total assets | 53.4836% | 5,922 |
| Net loans and leases to deposits | 61.9638% | 6,117 |
| Net loans and leases to core deposits | 67.6929% | 5,977 |
| Total domestic deposits to total assets | 86.3143% | 2,906 |
| Equity capital to assets | 11.7445% | 2,327 |
| Core capital (leverage) ratio | 11.6000% | 1,874 |
| Tier 1 risk-based capital ratio | 18.2377% | 1,952 |
| Total risk-based capital ratio | 19.4941% | 1,909 |
| Memoranda: | ||
| Average total assets | $65,341,250 | 6,086 |
| Average earning assets | $59,473,000 | 6,078 |
| Average equity | $7,398,250 | 5,986 |
| Average total loans | $33,119,500 | 6,338 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9609% | 5,130 |
| Cost of funding earning assets | 0.8581% | 6,732 |
| Net interest margin | 4.1028% | 2,543 |
| Noninterest income to average assets | 0.6047% | 3,307 |
| Noninterest expense to average assets | 2.8627% | 4,215 |
| Loan and lease loss provision to assets | 0.3768% | 3,454 |
| Net operating income to assets | 1.5863% | 745 |
| Return on assets (ROA) | 1.5863% | 801 |
| Pretax return on assets | 1.0849% | 2,828 |
| Return on Equity (ROE) | 14.1816% | 1,002 |
| Retained earnings to average equity (ytd only) | 14.1816% | 298 |
| Net charge-offs to loans | -0.0307% | 7,356 |
| Credit loss provision to net charge-offs | -2,480.0000% | 6,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1982% | 4,950 |
| Assets per employee ($millions) | 4.4232% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 2,831 |
| Loan loss allowance to noncurrent loans | 61.6043% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 1.9172% | 3,599 |
| Noncurrent loans to loans | 2.8683% | 2,784 |
| Net loans and leases to total assets | 48.2637% | 6,606 |
| Net loans and leases to deposits | 55.5677% | 6,760 |
| Net loans and leases to core deposits | 60.4656% | 6,677 |
| Total domestic deposits to total assets | 86.8557% | 2,617 |
| Equity capital to assets | 11.3960% | 2,524 |
| Core capital (leverage) ratio | 11.1901% | 2,111 |
| Tier 1 risk-based capital ratio | 14.5589% | 3,410 |
| Total risk-based capital ratio | 15.6760% | 3,451 |
| Memoranda: | ||
| Average total assets | $65,812,330 | 6,113 |
| Average earning assets | $59,666,330 | 6,112 |
| Average equity | $7,361,670 | 6,010 |
| Average total loans | $32,525,670 | 6,403 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0366% | 4,851 |
| Cost of funding earning assets | 0.9151% | 6,710 |
| Net interest margin | 4.1215% | 2,349 |
| Noninterest income to average assets | 0.5370% | 3,757 |
| Noninterest expense to average assets | 2.8195% | 4,408 |
| Loan and lease loss provision to assets | 0.4516% | 2,707 |
| Net operating income to assets | 1.9834% | 354 |
| Return on assets (ROA) | 1.9834% | 390 |
| Pretax return on assets | 0.9764% | 3,178 |
| Return on Equity (ROE) | 17.9014% | 522 |
| Retained earnings to average equity (ytd only) | 17.9014% | 250 |
| Net charge-offs to loans | 0.0246% | 5,233 |
| Credit loss provision to net charge-offs | 3,700.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 277 |
| Efficiency ratio | 66.3793% | 5,037 |
| Assets per employee ($millions) | 4.5037% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 3,229 |
| Loan loss allowance to noncurrent loans | 75.7664% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.5128% | 4,232 |
| Noncurrent loans to loans | 2.1853% | 3,551 |
| Net loans and leases to total assets | 45.6324% | 6,858 |
| Net loans and leases to deposits | 52.2802% | 7,023 |
| Net loans and leases to core deposits | 56.1696% | 6,987 |
| Total domestic deposits to total assets | 87.2844% | 2,475 |
| Equity capital to assets | 11.0991% | 2,673 |
| Core capital (leverage) ratio | 10.9526% | 2,260 |
| Tier 1 risk-based capital ratio | 16.2168% | 2,557 |
| Total risk-based capital ratio | 17.3680% | 2,561 |
| Memoranda: | ||
| Average total assets | $65,544,500 | 6,189 |
| Average earning assets | $59,008,000 | 6,206 |
| Average equity | $7,262,000 | 6,094 |
| Average total loans | $32,489,500 | 6,486 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9987% | 1,872 |
| Cost of funding earning assets | 1.1778% | 6,740 |
| Net interest margin | 4.8209% | 663 |
| Noninterest income to average assets | 0.5711% | 3,849 |
| Noninterest expense to average assets | 3.8312% | 1,633 |
| Loan and lease loss provision to assets | 0.3021% | 5,018 |
| Net operating income to assets | 0.2033% | 4,894 |
| Return on assets (ROA) | 0.2096% | 4,932 |
| Pretax return on assets | 0.7923% | 3,273 |
| Return on Equity (ROE) | 1.7581% | 4,996 |
| Retained earnings to average equity (ytd only) | -1.2874% | 5,340 |
| Net charge-offs to loans | 1.0813% | 2,257 |
| Credit loss provision to net charge-offs | 49.5935% | 6,752 |
| Earnings coverage of net charge-offs (x) | 1.7805% | 4,388 |
| Efficiency ratio | 77.9382% | 3,204 |
| Assets per employee ($millions) | 4.2356% | 3,367 |
| Cash dividends to net income (ytd only)* | 173.2283% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 4,594 |
| Loan loss allowance to noncurrent loans | 37.1571% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 1.8935% | 3,541 |
| Noncurrent loans to loans | 3.5768% | 2,118 |
| Net loans and leases to total assets | 52.2334% | 6,397 |
| Net loans and leases to deposits | 60.0282% | 6,634 |
| Net loans and leases to core deposits | 78.7387% | 6,199 |
| Total domestic deposits to total assets | 87.0148% | 2,498 |
| Equity capital to assets | 11.0586% | 2,665 |
| Core capital (leverage) ratio | 11.3550% | 2,003 |
| Tier 1 risk-based capital ratio | 15.6611% | 2,651 |
| Total risk-based capital ratio | 16.6633% | 2,708 |
| Memoranda: | ||
| Average total assets | $60,582,000 | 6,325 |
| Average earning assets | $54,595,400 | 6,349 |
| Average equity | $7,223,800 | 6,200 |
| Average total loans | $34,127,000 | 6,389 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9104% | 2,403 |
| Cost of funding earning assets | 1.2367% | 6,771 |
| Net interest margin | 4.6737% | 877 |
| Noninterest income to average assets | 0.5882% | 3,791 |
| Noninterest expense to average assets | 3.5848% | 2,059 |
| Loan and lease loss provision to assets | 0.3788% | 4,060 |
| Net operating income to assets | 0.7174% | 3,147 |
| Return on assets (ROA) | 0.7174% | 3,214 |
| Pretax return on assets | 0.8600% | 3,357 |
| Return on Equity (ROE) | 5.9027% | 3,568 |
| Retained earnings to average equity (ytd only) | 4.9862% | 2,500 |
| Net charge-offs to loans | 1.4170% | 1,457 |
| Credit loss provision to net charge-offs | 46.7033% | 6,359 |
| Earnings coverage of net charge-offs (x) | 1.5275% | 4,638 |
| Efficiency ratio | 74.3187% | 3,813 |
| Assets per employee ($millions) | 3.9904% | 3,752 |
| Cash dividends to net income (ytd only)* | 15.5292% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 4,688 |
| Loan loss allowance to noncurrent loans | 33.2324% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 2.2070% | 3,089 |
| Noncurrent loans to loans | 3.8218% | 1,944 |
| Net loans and leases to total assets | 57.0135% | 6,029 |
| Net loans and leases to deposits | 66.4771% | 6,265 |
| Net loans and leases to core deposits | 89.3772% | 5,497 |
| Total domestic deposits to total assets | 85.7642% | 2,822 |
| Equity capital to assets | 12.6738% | 1,847 |
| Core capital (leverage) ratio | 12.6088% | 1,537 |
| Tier 1 risk-based capital ratio | 18.0235% | 1,981 |
| Total risk-based capital ratio | 19.0796% | 1,986 |
| Memoranda: | ||
| Average total assets | $59,844,000 | 6,397 |
| Average earning assets | $54,230,750 | 6,413 |
| Average equity | $7,273,250 | 6,239 |
| Average total loans | $34,250,500 | 6,436 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9835% | 2,250 |
| Cost of funding earning assets | 1.2988% | 6,811 |
| Net interest margin | 4.6846% | 820 |
| Noninterest income to average assets | 0.5515% | 4,027 |
| Noninterest expense to average assets | 3.1651% | 3,453 |
| Loan and lease loss provision to assets | 0.4512% | 3,278 |
| Net operating income to assets | 0.8957% | 2,470 |
| Return on assets (ROA) | 0.8957% | 2,579 |
| Pretax return on assets | 1.1664% | 2,406 |
| Return on Equity (ROE) | 7.4766% | 2,995 |
| Retained earnings to average equity (ytd only) | 7.4766% | 1,400 |
| Net charge-offs to loans | 0.6560% | 2,394 |
| Credit loss provision to net charge-offs | 120.5357% | 3,851 |
| Earnings coverage of net charge-offs (x) | 4.3214% | 3,136 |
| Efficiency ratio | 66.1775% | 5,522 |
| Assets per employee ($millions) | 3.9866% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9893% | 1,590 |
| Loan loss allowance to noncurrent loans | 52.8180% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 2.0770% | 3,090 |
| Noncurrent loans to loans | 3.7664% | 1,827 |
| Net loans and leases to total assets | 54.0477% | 6,443 |
| Net loans and leases to deposits | 62.6709% | 6,691 |
| Net loans and leases to core deposits | 85.1535% | 5,997 |
| Total domestic deposits to total assets | 86.2406% | 2,654 |
| Equity capital to assets | 12.2159% | 2,077 |
| Core capital (leverage) ratio | 12.5711% | 1,589 |
| Tier 1 risk-based capital ratio | 18.9844% | 1,784 |
| Total risk-based capital ratio | 20.2622% | 1,729 |
| Memoranda: | ||
| Average total assets | $59,840,000 | 6,452 |
| Average earning assets | $54,049,000 | 6,466 |
| Average equity | $7,169,000 | 6,315 |
| Average total loans | $34,145,670 | 6,492 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0838% | 2,000 |
| Cost of funding earning assets | 1.3602% | 6,843 |
| Net interest margin | 4.7236% | 734 |
| Noninterest income to average assets | 0.5413% | 3,986 |
| Noninterest expense to average assets | 3.0070% | 3,743 |
| Loan and lease loss provision to assets | 0.1604% | 4,883 |
| Net operating income to assets | 1.2095% | 1,634 |
| Return on assets (ROA) | 1.2095% | 1,745 |
| Pretax return on assets | 1.6438% | 1,305 |
| Return on Equity (ROE) | 10.1957% | 2,244 |
| Retained earnings to average equity (ytd only) | 10.1957% | 1,143 |
| Net charge-offs to loans | 0.2188% | 3,330 |
| Credit loss provision to net charge-offs | 126.3158% | 3,150 |
| Earnings coverage of net charge-offs (x) | 14.2105% | 1,685 |
| Efficiency ratio | 62.5000% | 5,965 |
| Assets per employee ($millions) | 3.9714% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9278% | 1,563 |
| Loan loss allowance to noncurrent loans | 93.1387% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 4,370 |
| Noncurrent loans to loans | 2.0699% | 3,166 |
| Net loans and leases to total assets | 54.4829% | 6,413 |
| Net loans and leases to deposits | 63.1870% | 6,636 |
| Net loans and leases to core deposits | 87.4966% | 5,784 |
| Total domestic deposits to total assets | 86.2248% | 2,602 |
| Equity capital to assets | 12.0109% | 2,255 |
| Core capital (leverage) ratio | 12.2570% | 1,782 |
| Tier 1 risk-based capital ratio | 18.8825% | 1,838 |
| Total risk-based capital ratio | 20.1378% | 1,792 |
| Memoranda: | ||
| Average total assets | $59,860,500 | 6,480 |
| Average earning assets | $54,111,000 | 6,495 |
| Average equity | $7,101,000 | 6,373 |
| Average total loans | $34,730,500 | 6,510 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5091% | 2,915 |
| Cost of funding earning assets | 1.8728% | 6,817 |
| Net interest margin | 4.6362% | 1,079 |
| Noninterest income to average assets | 0.5896% | 3,923 |
| Noninterest expense to average assets | 3.3517% | 2,817 |
| Loan and lease loss provision to assets | 0.0579% | 6,688 |
| Net operating income to assets | 0.9990% | 2,564 |
| Return on assets (ROA) | 1.0002% | 2,437 |
| Pretax return on assets | 1.4041% | 1,964 |
| Return on Equity (ROE) | 8.4136% | 2,884 |
| Retained earnings to average equity (ytd only) | 6.9803% | 1,159 |
| Net charge-offs to loans | 0.0758% | 5,673 |
| Credit loss provision to net charge-offs | 136.0000% | 3,920 |
| Earnings coverage of net charge-offs (x) | 34.2800% | 1,058 |
| Efficiency ratio | 69.6530% | 4,420 |
| Assets per employee ($millions) | 4.0100% | 3,494 |
| Cash dividends to net income (ytd only)* | 17.0358% | 4,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7406% | 1,796 |
| Loan loss allowance to noncurrent loans | 94.7605% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.2934% | 3,639 |
| Noncurrent loans to loans | 1.8368% | 3,006 |
| Net loans and leases to total assets | 59.4081% | 5,993 |
| Net loans and leases to deposits | 69.8189% | 6,291 |
| Net loans and leases to core deposits | 96.2714% | 5,231 |
| Total domestic deposits to total assets | 85.0889% | 2,802 |
| Equity capital to assets | 11.7157% | 2,492 |
| Core capital (leverage) ratio | 12.2585% | 1,857 |
| Tier 1 risk-based capital ratio | 16.9978% | 2,311 |
| Total risk-based capital ratio | 18.2503% | 2,261 |
| Memoranda: | ||
| Average total assets | $58,687,000 | 6,423 |
| Average earning assets | $53,448,400 | 6,440 |
| Average equity | $6,976,800 | 6,462 |
| Average total loans | $32,988,200 | 6,549 |