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 | 5.2883% | 1,511 |
| Cost of funding earning assets | 1.5863% | 1,721 |
| Net interest margin | 3.7019% | 1,759 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 3.4112% | 645 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 0.2307% | 4,125 |
| Return on assets (ROA) | 0.2307% | 4,135 |
| Pretax return on assets | 0.2307% | 4,166 |
| Return on Equity (ROE) | 2.7100% | 4,069 |
| Retained earnings to average equity (ytd only) | -1.8800% | 4,263 |
| Net charge-offs to loans | 0.1639% | 639 |
| Credit loss provision to net charge-offs | 229.4118% | 1,128 |
| Earnings coverage of net charge-offs (x) | 5.0588% | 2,547 |
| Efficiency ratio | 87.7099% | 492 |
| Assets per employee ($millions) | 3.5363% | 4,285 |
| Cash dividends to net income (ytd only)* | 169.2771% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 1,227 |
| Loan loss allowance to noncurrent loans | 53.0091% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.6440% | 213 |
| Noncurrent loans to loans | 2.7218% | 167 |
| Net loans and leases to total assets | 56.4600% | 3,158 |
| Net loans and leases to deposits | 61.7017% | 3,425 |
| Net loans and leases to core deposits | 70.4967% | 3,280 |
| Total domestic deposits to total assets | 91.5000% | 393 |
| Equity capital to assets | 8.1980% | 3,279 |
| Core capital (leverage) ratio | 11.2337% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $71,969,200 | 4,097 |
| Average earning assets | $67,829,200 | 4,058 |
| Average equity | $6,117,000 | 4,154 |
| Average total loans | $41,487,600 | 3,970 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2599% | 1,341 |
| Cost of funding earning assets | 1.3215% | 2,086 |
| Net interest margin | 3.9384% | 1,326 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 3.2901% | 732 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 0.5994% | 3,545 |
| Return on assets (ROA) | 0.5994% | 3,531 |
| Pretax return on assets | 0.5994% | 3,733 |
| Return on Equity (ROE) | 6.9800% | 3,437 |
| Retained earnings to average equity (ytd only) | 2.8861% | 3,538 |
| Net charge-offs to loans | 0.0262% | 1,545 |
| Credit loss provision to net charge-offs | 950.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 1,262 |
| Efficiency ratio | 79.9632% | 856 |
| Assets per employee ($millions) | 3.3428% | 4,353 |
| Cash dividends to net income (ytd only)* | 58.6751% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 1,529 |
| Loan loss allowance to noncurrent loans | 99.8395% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.9369% | 574 |
| Noncurrent loans to loans | 1.3823% | 550 |
| Net loans and leases to total assets | 60.4400% | 2,796 |
| Net loans and leases to deposits | 65.6262% | 3,160 |
| Net loans and leases to core deposits | 75.6176% | 2,892 |
| Total domestic deposits to total assets | 92.1000% | 434 |
| Equity capital to assets | 7.5671% | 3,317 |
| Core capital (leverage) ratio | 12.1329% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $70,511,750 | 4,122 |
| Average earning assets | $66,387,500 | 4,094 |
| Average equity | $6,051,750 | 4,165 |
| Average total loans | $40,718,000 | 3,993 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 1,908 |
| Cost of funding earning assets | 1.0901% | 2,312 |
| Net interest margin | 3.7479% | 1,719 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 3.3783% | 620 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.4748% | 3,863 |
| Return on assets (ROA) | 0.4748% | 3,867 |
| Pretax return on assets | 0.4748% | 4,011 |
| Return on Equity (ROE) | 5.3100% | 3,837 |
| Retained earnings to average equity (ytd only) | 3.6691% | 3,295 |
| Net charge-offs to loans | 0.0051% | 2,085 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,625 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 617 |
| Efficiency ratio | 85.6934% | 511 |
| Assets per employee ($millions) | 3.3684% | 4,372 |
| Cash dividends to net income (ytd only)* | 30.9091% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 1,894 |
| Loan loss allowance to noncurrent loans | 81.1659% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.0391% | 432 |
| Noncurrent loans to loans | 1.6123% | 406 |
| Net loans and leases to total assets | 57.8900% | 2,972 |
| Net loans and leases to deposits | 63.6581% | 3,218 |
| Net loans and leases to core deposits | 72.6102% | 2,981 |
| Total domestic deposits to total assets | 90.9400% | 668 |
| Equity capital to assets | 8.7268% | 2,704 |
| Core capital (leverage) ratio | 12.3416% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $69,501,667 | 4,152 |
| Average earning assets | $65,316,000 | 4,127 |
| Average equity | $6,214,000 | 4,167 |
| Average total loans | $39,267,333 | 4,032 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 2,265 |
| Cost of funding earning assets | 0.9092% | 2,343 |
| Net interest margin | 3.6122% | 2,099 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 3.1299% | 893 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.6562% | 3,568 |
| Return on assets (ROA) | 0.6562% | 3,522 |
| Pretax return on assets | 0.6562% | 3,747 |
| Return on Equity (ROE) | 7.7100% | 3,368 |
| Retained earnings to average equity (ytd only) | 7.7113% | 2,312 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.5445% | 3,647 |
| Assets per employee ($millions) | 3.4653% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 1,825 |
| Loan loss allowance to noncurrent loans | 72.7273% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.1428% | 326 |
| Noncurrent loans to loans | 1.8536% | 323 |
| Net loans and leases to total assets | 55.7500% | 3,055 |
| Net loans and leases to deposits | 61.6917% | 3,245 |
| Net loans and leases to core deposits | 68.0593% | 3,098 |
| Total domestic deposits to total assets | 90.3700% | 1,017 |
| Equity capital to assets | 8.7958% | 2,663 |
| Core capital (leverage) ratio | 12.2590% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $68,884,500 | 4,212 |
| Average earning assets | $64,670,000 | 4,189 |
| Average equity | $5,861,500 | 4,257 |
| Average total loans | $38,154,500 | 4,100 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6342% | 2,697 |
| Cost of funding earning assets | 0.4851% | 1,494 |
| Net interest margin | 3.1492% | 3,023 |
| Noninterest income to average assets | -0.0600% | 4,696 |
| Noninterest expense to average assets | 3.3482% | 583 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | -0.5575% | 4,646 |
| Return on assets (ROA) | -0.5734% | 4,639 |
| Pretax return on assets | -0.5734% | 4,633 |
| Return on Equity (ROE) | -6.2000% | 4,638 |
| Retained earnings to average equity (ytd only) | -6.1962% | 4,596 |
| Net charge-offs to loans | 0.0861% | 806 |
| Credit loss provision to net charge-offs | 151.6129% | 1,291 |
| Earnings coverage of net charge-offs (x) | -10.9355% | 4,697 |
| Efficiency ratio | 117.1299% | 68 |
| Assets per employee ($millions) | 3.2601% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 1,220 |
| Loan loss allowance to noncurrent loans | 69.8113% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.2576% | 293 |
| Noncurrent loans to loans | 2.1405% | 248 |
| Net loans and leases to total assets | 53.4400% | 3,246 |
| Net loans and leases to deposits | 58.6756% | 3,413 |
| Net loans and leases to core deposits | 64.1218% | 3,258 |
| Total domestic deposits to total assets | 91.0800% | 924 |
| Equity capital to assets | 8.2190% | 2,920 |
| Core capital (leverage) ratio | 12.0760% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $69,231,600 | 4,239 |
| Average earning assets | $64,112,400 | 4,218 |
| Average equity | $6,407,200 | 4,285 |
| Average total loans | $36,023,400 | 4,136 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4295% | 2,835 |
| Cost of funding earning assets | 0.4141% | 1,197 |
| Net interest margin | 3.0153% | 3,182 |
| Noninterest income to average assets | -0.2300% | 4,739 |
| Noninterest expense to average assets | 3.3820% | 532 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | -0.8873% | 4,703 |
| Return on assets (ROA) | -0.9084% | 4,692 |
| Pretax return on assets | -0.9084% | 4,690 |
| Return on Equity (ROE) | -9.5500% | 4,697 |
| Retained earnings to average equity (ytd only) | -9.5521% | 4,670 |
| Net charge-offs to loans | 0.1119% | 563 |
| Credit loss provision to net charge-offs | 96.6667% | 1,352 |
| Earnings coverage of net charge-offs (x) | -14.4333% | 4,742 |
| Efficiency ratio | 132.6054% | 54 |
| Assets per employee ($millions) | 3.2893% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 1,439 |
| Loan loss allowance to noncurrent loans | 68.0152% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.4101% | 254 |
| Noncurrent loans to loans | 2.1385% | 273 |
| Net loans and leases to total assets | 52.7700% | 3,210 |
| Net loans and leases to deposits | 57.3763% | 3,383 |
| Net loans and leases to core deposits | 62.5869% | 3,209 |
| Total domestic deposits to total assets | 91.9700% | 883 |
| Equity capital to assets | 7.3066% | 3,334 |
| Core capital (leverage) ratio | 11.6735% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $69,423,750 | 4,268 |
| Average earning assets | $64,070,750 | 4,246 |
| Average equity | $6,602,250 | 4,304 |
| Average total loans | $35,744,000 | 4,159 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2284% | 2,958 |
| Cost of funding earning assets | 0.3476% | 1,287 |
| Net interest margin | 2.8808% | 3,218 |
| Noninterest income to average assets | -0.5551% | 4,766 |
| Noninterest expense to average assets | 3.2816% | 566 |
| Loan and lease loss provision to assets | 0.0518% | 1,654 |
| Net operating income to assets | -1.2425% | 4,723 |
| Return on assets (ROA) | -1.2741% | 4,717 |
| Pretax return on assets | -1.2741% | 4,714 |
| Return on Equity (ROE) | -12.4427% | 4,735 |
| Retained earnings to average equity (ytd only) | -12.4427% | 4,690 |
| Net charge-offs to loans | 0.1698% | 375 |
| Credit loss provision to net charge-offs | 60.0000% | 1,456 |
| Earnings coverage of net charge-offs (x) | -13.8000% | 2,136 |
| Efficiency ratio | 156.9464% | 35 |
| Assets per employee ($millions) | 3.5589% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 1,298 |
| Loan loss allowance to noncurrent loans | 64.1900% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.4232% | 256 |
| Noncurrent loans to loans | 2.4024% | 244 |
| Net loans and leases to total assets | 47.2716% | 3,610 |
| Net loans and leases to deposits | 51.8005% | 3,703 |
| Net loans and leases to core deposits | 55.5497% | 3,606 |
| Total domestic deposits to total assets | 91.2571% | 1,126 |
| Equity capital to assets | 8.0559% | 3,079 |
| Core capital (leverage) ratio | 12.2509% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,540,000 | 4,313 |
| Average earning assets | $63,871,000 | 4,304 |
| Average equity | $7,120,667 | 4,303 |
| Average total loans | $35,329,333 | 4,226 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0204% | 3,193 |
| Cost of funding earning assets | 0.3307% | 1,372 |
| Net interest margin | 2.6896% | 3,431 |
| Noninterest income to average assets | -1.5134% | 4,794 |
| Noninterest expense to average assets | 3.4109% | 461 |
| Loan and lease loss provision to assets | 0.0524% | 1,442 |
| Net operating income to assets | -2.4680% | 4,768 |
| Return on assets (ROA) | -2.5320% | 4,768 |
| Pretax return on assets | -2.5320% | 4,765 |
| Return on Equity (ROE) | -22.2677% | 4,775 |
| Retained earnings to average equity (ytd only) | -22.2677% | 4,716 |
| Net charge-offs to loans | 0.3231% | 197 |
| Credit loss provision to net charge-offs | 31.0345% | 1,260 |
| Earnings coverage of net charge-offs (x) | -14.3103% | 1,817 |
| Efficiency ratio | 342.6901% | 13 |
| Assets per employee ($millions) | 3.2976% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 1,553 |
| Loan loss allowance to noncurrent loans | 60.2088% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5249% | 235 |
| Noncurrent loans to loans | 2.4899% | 243 |
| Net loans and leases to total assets | 49.2440% | 3,253 |
| Net loans and leases to deposits | 55.1707% | 3,328 |
| Net loans and leases to core deposits | 56.1518% | 3,435 |
| Total domestic deposits to total assets | 89.2576% | 1,950 |
| Equity capital to assets | 10.0464% | 1,857 |
| Core capital (leverage) ratio | 11.8272% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,721,000 | 4,342 |
| Average earning assets | $64,098,000 | 4,326 |
| Average equity | $7,814,000 | 4,287 |
| Average total loans | $35,907,000 | 4,235 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6050% | 2,378 |
| Cost of funding earning assets | 0.4652% | 1,097 |
| Net interest margin | 3.1398% | 2,767 |
| Noninterest income to average assets | 1.0530% | 913 |
| Noninterest expense to average assets | 3.2148% | 710 |
| Loan and lease loss provision to assets | 0.0143% | 2,797 |
| Net operating income to assets | 0.7636% | 3,441 |
| Return on assets (ROA) | 0.7636% | 3,503 |
| Pretax return on assets | 0.7636% | 3,803 |
| Return on Equity (ROE) | 6.1336% | 3,749 |
| Retained earnings to average equity (ytd only) | 2.3936% | 3,862 |
| Net charge-offs to loans | 0.6689% | 118 |
| Credit loss provision to net charge-offs | 3.6101% | 2,321 |
| Earnings coverage of net charge-offs (x) | 1.9603% | 2,596 |
| Efficiency ratio | 80.5167% | 776 |
| Assets per employee ($millions) | 3.2473% | 4,647 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 1,735 |
| Loan loss allowance to noncurrent loans | 26.6832% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 3.5018% | 57 |
| Noncurrent loans to loans | 5.4310% | 62 |
| Net loans and leases to total assets | 53.7519% | 2,880 |
| Net loans and leases to deposits | 62.0598% | 2,875 |
| Net loans and leases to core deposits | 63.2135% | 3,055 |
| Total domestic deposits to total assets | 86.6130% | 2,661 |
| Equity capital to assets | 12.7154% | 990 |
| Core capital (leverage) ratio | 12.4553% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,802,800 | 4,343 |
| Average earning assets | $65,354,000 | 4,320 |
| Average equity | $8,689,800 | 4,269 |
| Average total loans | $41,413,600 | 4,155 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7174% | 2,226 |
| Cost of funding earning assets | 0.4961% | 1,067 |
| Net interest margin | 3.2214% | 2,669 |
| Noninterest income to average assets | 0.5337% | 2,484 |
| Noninterest expense to average assets | 3.1089% | 806 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4463% | 4,304 |
| Return on assets (ROA) | 0.4463% | 4,336 |
| Pretax return on assets | 0.4463% | 4,432 |
| Return on Equity (ROE) | 3.6037% | 4,367 |
| Retained earnings to average equity (ytd only) | 2.6069% | 4,031 |
| Net charge-offs to loans | 0.8696% | 79 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 0.8484% | 2,394 |
| Efficiency ratio | 87.4466% | 380 |
| Assets per employee ($millions) | 3.2325% | 4,711 |
| Cash dividends to net income (ytd only)* | 27.6596% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 2,441 |
| Loan loss allowance to noncurrent loans | 26.3972% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 3.5208% | 56 |
| Noncurrent loans to loans | 4.9602% | 78 |
| Net loans and leases to total assets | 58.7387% | 2,402 |
| Net loans and leases to deposits | 68.0032% | 2,434 |
| Net loans and leases to core deposits | 69.8191% | 2,613 |
| Total domestic deposits to total assets | 86.3764% | 2,608 |
| Equity capital to assets | 12.9195% | 1,002 |
| Core capital (leverage) ratio | 12.1276% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,205,250 | 4,397 |
| Average earning assets | $65,850,500 | 4,370 |
| Average equity | $8,694,500 | 4,333 |
| Average total loans | $42,468,500 | 4,188 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 2,275 |
| Cost of funding earning assets | 0.5456% | 965 |
| Net interest margin | 3.1775% | 2,820 |
| Noninterest income to average assets | 0.4424% | 2,889 |
| Noninterest expense to average assets | 2.9135% | 1,125 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5156% | 4,189 |
| Return on assets (ROA) | 0.5156% | 4,228 |
| Pretax return on assets | 0.5156% | 4,365 |
| Return on Equity (ROE) | 4.2218% | 4,293 |
| Retained earnings to average equity (ytd only) | 4.2218% | 3,450 |
| Net charge-offs to loans | 0.0788% | 880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 10.7647% | 1,791 |
| Efficiency ratio | 84.9630% | 512 |
| Assets per employee ($millions) | 3.1905% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8360% | 833 |
| Loan loss allowance to noncurrent loans | 32.9024% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 4.2256% | 50 |
| Noncurrent loans to loans | 5.5800% | 66 |
| Net loans and leases to total assets | 60.1017% | 2,415 |
| Net loans and leases to deposits | 69.2175% | 2,493 |
| Net loans and leases to core deposits | 70.9879% | 2,689 |
| Total domestic deposits to total assets | 86.8302% | 2,412 |
| Equity capital to assets | 12.4674% | 1,147 |
| Core capital (leverage) ratio | 12.0714% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,979,667 | 4,409 |
| Average earning assets | $66,718,667 | 4,387 |
| Average equity | $8,669,333 | 4,357 |
| Average total loans | $43,157,333 | 4,213 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7715% | 2,181 |
| Cost of funding earning assets | 0.6127% | 832 |
| Net interest margin | 3.1588% | 2,809 |
| Noninterest income to average assets | 0.3250% | 3,472 |
| Noninterest expense to average assets | 2.8806% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4203% | 4,323 |
| Return on assets (ROA) | 0.4203% | 4,353 |
| Pretax return on assets | 0.4203% | 4,462 |
| Return on Equity (ROE) | 3.4768% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.4768% | 3,641 |
| Net charge-offs to loans | -0.0092% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2666% | 471 |
| Assets per employee ($millions) | 3.4811% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9097% | 728 |
| Loan loss allowance to noncurrent loans | 32.2671% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 4.1208% | 52 |
| Noncurrent loans to loans | 5.9183% | 59 |
| Net loans and leases to total assets | 59.5387% | 2,597 |
| Net loans and leases to deposits | 68.0489% | 2,699 |
| Net loans and leases to core deposits | 69.7869% | 2,884 |
| Total domestic deposits to total assets | 87.4939% | 2,091 |
| Equity capital to assets | 12.2878% | 1,154 |
| Core capital (leverage) ratio | 12.2674% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,374,000 | 4,421 |
| Average earning assets | $67,240,500 | 4,394 |
| Average equity | $8,628,500 | 4,373 |
| Average total loans | $43,248,500 | 4,231 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 2,474 |
| Cost of funding earning assets | 0.8028% | 1,195 |
| Net interest margin | 3.2795% | 3,127 |
| Noninterest income to average assets | 1.8008% | 393 |
| Noninterest expense to average assets | 3.2563% | 961 |
| Loan and lease loss provision to assets | 0.4393% | 649 |
| Net operating income to assets | 1.2071% | 1,530 |
| Return on assets (ROA) | 1.1902% | 1,693 |
| Pretax return on assets | 1.1902% | 2,359 |
| Return on Equity (ROE) | 10.3498% | 1,866 |
| Retained earnings to average equity (ytd only) | 7.2986% | 1,285 |
| Net charge-offs to loans | 0.0513% | 2,060 |
| Credit loss provision to net charge-offs | 1,304.1667% | 640 |
| Earnings coverage of net charge-offs (x) | 48.8750% | 1,224 |
| Efficiency ratio | 66.4186% | 2,462 |
| Assets per employee ($millions) | 3.3239% | 4,713 |
| Cash dividends to net income (ytd only)* | 29.4811% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8220% | 821 |
| Loan loss allowance to noncurrent loans | 31.7698% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 3.9726% | 63 |
| Noncurrent loans to loans | 5.7349% | 58 |
| Net loans and leases to total assets | 59.3934% | 2,939 |
| Net loans and leases to deposits | 74.3431% | 2,451 |
| Net loans and leases to core deposits | 75.6010% | 2,762 |
| Total domestic deposits to total assets | 79.8909% | 4,060 |
| Equity capital to assets | 11.9000% | 1,622 |
| Core capital (leverage) ratio | 12.3602% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,247,000 | 4,363 |
| Average earning assets | $67,388,200 | 4,331 |
| Average equity | $8,193,400 | 4,401 |
| Average total loans | $46,780,200 | 4,167 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 2,253 |
| Cost of funding earning assets | 0.8443% | 1,285 |
| Net interest margin | 3.4031% | 2,917 |
| Noninterest income to average assets | 1.4298% | 558 |
| Noninterest expense to average assets | 3.2797% | 936 |
| Loan and lease loss provision to assets | 0.5355% | 524 |
| Net operating income to assets | 0.8345% | 2,966 |
| Return on assets (ROA) | 0.8345% | 3,093 |
| Pretax return on assets | 0.8345% | 3,558 |
| Return on Equity (ROE) | 7.3225% | 3,085 |
| Retained earnings to average equity (ytd only) | 7.3225% | 1,573 |
| Net charge-offs to loans | 0.0478% | 1,929 |
| Credit loss provision to net charge-offs | 1,670.5882% | 569 |
| Earnings coverage of net charge-offs (x) | 42.7647% | 1,312 |
| Efficiency ratio | 70.5429% | 1,815 |
| Assets per employee ($millions) | 3.9114% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 1,317 |
| Loan loss allowance to noncurrent loans | 58.5821% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 2.1834% | 275 |
| Noncurrent loans to loans | 2.6034% | 395 |
| Net loans and leases to total assets | 64.7948% | 2,663 |
| Net loans and leases to deposits | 87.7621% | 1,514 |
| Net loans and leases to core deposits | 89.2565% | 2,037 |
| Total domestic deposits to total assets | 73.8300% | 4,577 |
| Equity capital to assets | 10.9246% | 2,448 |
| Core capital (leverage) ratio | 12.3679% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,777,250 | 4,377 |
| Average earning assets | $66,957,250 | 4,347 |
| Average equity | $8,066,250 | 4,434 |
| Average total loans | $47,415,750 | 4,181 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 1,751 |
| Cost of funding earning assets | 0.9484% | 1,157 |
| Net interest margin | 3.6131% | 2,444 |
| Noninterest income to average assets | 0.6706% | 1,853 |
| Noninterest expense to average assets | 3.3209% | 958 |
| Loan and lease loss provision to assets | 0.0527% | 3,646 |
| Net operating income to assets | 0.6999% | 3,391 |
| Return on assets (ROA) | 0.6999% | 3,497 |
| Pretax return on assets | 0.6999% | 3,870 |
| Return on Equity (ROE) | 6.0458% | 3,493 |
| Retained earnings to average equity (ytd only) | 6.0458% | 2,061 |
| Net charge-offs to loans | 0.0391% | 1,961 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 28.5556% | 1,468 |
| Efficiency ratio | 81.5241% | 789 |
| Assets per employee ($millions) | 3.4940% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 3,822 |
| Loan loss allowance to noncurrent loans | 36.4518% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 2.2535% | 282 |
| Noncurrent loans to loans | 2.5878% | 439 |
| Net loans and leases to total assets | 68.7331% | 2,229 |
| Net loans and leases to deposits | 91.9604% | 1,163 |
| Net loans and leases to core deposits | 98.4213% | 1,379 |
| Total domestic deposits to total assets | 74.7421% | 4,538 |
| Equity capital to assets | 10.3854% | 2,851 |
| Core capital (leverage) ratio | 11.6013% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,294,000 | 4,430 |
| Average earning assets | $64,320,667 | 4,403 |
| Average equity | $7,906,333 | 4,469 |
| Average total loans | $46,063,667 | 4,215 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 2,290 |
| Cost of funding earning assets | 1.1003% | 1,042 |
| Net interest margin | 3.4103% | 3,265 |
| Noninterest income to average assets | 0.3791% | 3,238 |
| Noninterest expense to average assets | 3.6685% | 728 |
| Loan and lease loss provision to assets | 0.0578% | 3,037 |
| Net operating income to assets | -0.1413% | 4,820 |
| Return on assets (ROA) | -0.1413% | 4,802 |
| Pretax return on assets | -0.1413% | 4,787 |
| Return on Equity (ROE) | -1.1449% | 4,809 |
| Retained earnings to average equity (ytd only) | -1.1449% | 4,160 |
| Net charge-offs to loans | 0.0291% | 1,799 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | -4.3333% | 2,516 |
| Efficiency ratio | 102.3297% | 213 |
| Assets per employee ($millions) | 2.7088% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,387 |
| Loan loss allowance to noncurrent loans | 36.0441% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 2.9196% | 207 |
| Noncurrent loans to loans | 3.4695% | 275 |
| Net loans and leases to total assets | 66.2868% | 2,784 |
| Net loans and leases to deposits | 75.4825% | 3,120 |
| Net loans and leases to core deposits | 76.9036% | 3,436 |
| Total domestic deposits to total assets | 87.8174% | 1,178 |
| Equity capital to assets | 12.0574% | 2,025 |
| Core capital (leverage) ratio | 12.1734% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,259,500 | 4,528 |
| Average earning assets | $58,528,000 | 4,506 |
| Average equity | $7,686,500 | 4,526 |
| Average total loans | $41,214,500 | 4,344 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5530% | 2,768 |
| Cost of funding earning assets | 1.0637% | 1,456 |
| Net interest margin | 3.4894% | 3,484 |
| Noninterest income to average assets | 0.3719% | 3,472 |
| Noninterest expense to average assets | 3.4604% | 1,017 |
| Loan and lease loss provision to assets | 0.0572% | 2,890 |
| Net operating income to assets | 0.1446% | 4,896 |
| Return on assets (ROA) | 0.1462% | 4,913 |
| Pretax return on assets | 0.1462% | 4,921 |
| Return on Equity (ROE) | 1.1114% | 4,900 |
| Retained earnings to average equity (ytd only) | -11.6094% | 5,084 |
| Net charge-offs to loans | 0.0431% | 2,528 |
| Credit loss provision to net charge-offs | 211.7647% | 1,255 |
| Earnings coverage of net charge-offs (x) | 7.4706% | 2,874 |
| Efficiency ratio | 94.4878% | 238 |
| Assets per employee ($millions) | 2.8280% | 4,896 |
| Cash dividends to net income (ytd only)* | 1,144.5652% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,052 |
| Loan loss allowance to noncurrent loans | 40.9992% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 2.6183% | 238 |
| Noncurrent loans to loans | 3.1053% | 294 |
| Net loans and leases to total assets | 64.4374% | 3,142 |
| Net loans and leases to deposits | 73.8365% | 3,367 |
| Net loans and leases to core deposits | 75.2318% | 3,631 |
| Total domestic deposits to total assets | 87.2704% | 1,477 |
| Equity capital to assets | 12.6348% | 1,745 |
| Core capital (leverage) ratio | 12.4399% | 1,521 |
| Tier 1 risk-based capital ratio | 16.7941% | 2,123 |
| Total risk-based capital ratio | 17.9010% | 2,102 |
| Memoranda: | ||
| Average total assets | $62,912,400 | 4,551 |
| Average earning assets | $59,323,200 | 4,527 |
| Average equity | $8,277,800 | 4,476 |
| Average total loans | $39,420,600 | 4,416 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 2,740 |
| Cost of funding earning assets | 1.0402% | 1,583 |
| Net interest margin | 3.5556% | 3,386 |
| Noninterest income to average assets | 0.3804% | 3,435 |
| Noninterest expense to average assets | 3.4640% | 992 |
| Loan and lease loss provision to assets | 0.0571% | 2,757 |
| Net operating income to assets | 0.2113% | 4,942 |
| Return on assets (ROA) | 0.2135% | 4,956 |
| Pretax return on assets | 0.2135% | 4,977 |
| Return on Equity (ROE) | 1.6065% | 4,952 |
| Retained earnings to average equity (ytd only) | -15.1432% | 5,179 |
| Net charge-offs to loans | 0.0579% | 1,996 |
| Credit loss provision to net charge-offs | 158.8235% | 1,565 |
| Earnings coverage of net charge-offs (x) | 7.4693% | 2,738 |
| Efficiency ratio | 92.8086% | 253 |
| Assets per employee ($millions) | 3.0060% | 4,888 |
| Cash dividends to net income (ytd only)* | 1,042.5962% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 1,684 |
| Loan loss allowance to noncurrent loans | 41.4694% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 2.5235% | 268 |
| Noncurrent loans to loans | 3.3054% | 263 |
| Net loans and leases to total assets | 57.9048% | 3,885 |
| Net loans and leases to deposits | 66.2528% | 4,045 |
| Net loans and leases to core deposits | 68.3310% | 4,150 |
| Total domestic deposits to total assets | 87.3998% | 1,310 |
| Equity capital to assets | 12.4750% | 1,931 |
| Core capital (leverage) ratio | 12.3954% | 1,629 |
| Tier 1 risk-based capital ratio | 17.2219% | 2,020 |
| Total risk-based capital ratio | 18.3359% | 2,012 |
| Memoranda: | ||
| Average total assets | $63,086,250 | 4,597 |
| Average earning assets | $59,473,250 | 4,582 |
| Average equity | $8,382,000 | 4,510 |
| Average total loans | $39,123,750 | 4,479 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5815% | 2,731 |
| Cost of funding earning assets | 1.0039% | 1,678 |
| Net interest margin | 3.5776% | 3,344 |
| Noninterest income to average assets | 0.3678% | 3,480 |
| Noninterest expense to average assets | 3.4151% | 1,080 |
| Loan and lease loss provision to assets | 0.0571% | 2,685 |
| Net operating income to assets | 0.2632% | 4,925 |
| Return on assets (ROA) | 0.2632% | 4,937 |
| Pretax return on assets | 0.2632% | 4,971 |
| Return on Equity (ROE) | 1.9413% | 4,948 |
| Retained earnings to average equity (ytd only) | 0.7017% | 4,510 |
| Net charge-offs to loans | 0.0301% | 2,250 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 16.8333% | 1,916 |
| Efficiency ratio | 91.4261% | 298 |
| Assets per employee ($millions) | 2.8783% | 4,977 |
| Cash dividends to net income (ytd only)* | 63.8554% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 1,993 |
| Loan loss allowance to noncurrent loans | 41.8719% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 2.5047% | 296 |
| Noncurrent loans to loans | 3.1169% | 316 |
| Net loans and leases to total assets | 60.9062% | 3,665 |
| Net loans and leases to deposits | 70.8470% | 3,777 |
| Net loans and leases to core deposits | 73.4819% | 3,919 |
| Total domestic deposits to total assets | 85.9685% | 2,049 |
| Equity capital to assets | 13.9193% | 1,147 |
| Core capital (leverage) ratio | 13.9721% | 968 |
| Tier 1 risk-based capital ratio | 19.7943% | 1,388 |
| Total risk-based capital ratio | 20.9371% | 1,377 |
| Memoranda: | ||
| Average total assets | $63,073,000 | 4,636 |
| Average earning assets | $59,368,670 | 4,621 |
| Average equity | $8,551,000 | 4,507 |
| Average total loans | $39,811,330 | 4,499 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6165% | 2,477 |
| Cost of funding earning assets | 0.9598% | 1,749 |
| Net interest margin | 3.6567% | 3,055 |
| Noninterest income to average assets | 0.3495% | 3,519 |
| Noninterest expense to average assets | 3.5902% | 856 |
| Loan and lease loss provision to assets | 0.0572% | 2,518 |
| Net operating income to assets | 0.1398% | 5,063 |
| Return on assets (ROA) | 0.1398% | 5,070 |
| Pretax return on assets | 0.1398% | 5,077 |
| Return on Equity (ROE) | 1.0452% | 5,064 |
| Retained earnings to average equity (ytd only) | -0.9977% | 4,654 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7987% | 254 |
| Assets per employee ($millions) | 2.5375% | 5,176 |
| Cash dividends to net income (ytd only)* | 195.4545% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 2,280 |
| Loan loss allowance to noncurrent loans | 40.8871% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 2.5348% | 301 |
| Noncurrent loans to loans | 3.0778% | 346 |
| Net loans and leases to total assets | 62.7085% | 3,432 |
| Net loans and leases to deposits | 72.4952% | 3,567 |
| Net loans and leases to core deposits | 75.1649% | 3,720 |
| Total domestic deposits to total assets | 86.5002% | 2,070 |
| Equity capital to assets | 13.3989% | 1,246 |
| Core capital (leverage) ratio | 13.8109% | 999 |
| Tier 1 risk-based capital ratio | 19.0457% | 1,534 |
| Total risk-based capital ratio | 20.1453% | 1,533 |
| Memoranda: | ||
| Average total assets | $62,948,500 | 4,688 |
| Average earning assets | $59,179,000 | 4,671 |
| Average equity | $8,419,500 | 4,552 |
| Average total loans | $40,178,500 | 4,536 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5731% | 2,222 |
| Cost of funding earning assets | 0.6802% | 2,212 |
| Net interest margin | 3.8929% | 2,347 |
| Noninterest income to average assets | 0.4111% | 3,372 |
| Noninterest expense to average assets | 3.2998% | 1,323 |
| Loan and lease loss provision to assets | 0.0889% | 2,366 |
| Net operating income to assets | 0.6650% | 4,245 |
| Return on assets (ROA) | 0.6682% | 4,245 |
| Pretax return on assets | 0.6682% | 4,490 |
| Return on Equity (ROE) | 5.0780% | 4,437 |
| Retained earnings to average equity (ytd only) | 0.3498% | 4,893 |
| Net charge-offs to loans | 0.0407% | 2,592 |
| Credit loss provision to net charge-offs | 350.0000% | 909 |
| Earnings coverage of net charge-offs (x) | 29.6875% | 1,613 |
| Efficiency ratio | 81.4017% | 853 |
| Assets per employee ($millions) | 2.4984% | 5,211 |
| Cash dividends to net income (ytd only)* | 93.1116% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 2,336 |
| Loan loss allowance to noncurrent loans | 39.7764% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 3.5431% | 147 |
| Noncurrent loans to loans | 3.1246% | 315 |
| Net loans and leases to total assets | 63.3552% | 3,420 |
| Net loans and leases to deposits | 73.2078% | 3,569 |
| Net loans and leases to core deposits | 75.9433% | 3,725 |
| Total domestic deposits to total assets | 86.5416% | 1,992 |
| Equity capital to assets | 13.3512% | 1,202 |
| Core capital (leverage) ratio | 13.6960% | 1,011 |
| Tier 1 risk-based capital ratio | 18.9510% | 1,527 |
| Total risk-based capital ratio | 20.0233% | 1,520 |
| Memoranda: | ||
| Average total assets | $63,004,000 | 4,702 |
| Average earning assets | $58,954,000 | 4,692 |
| Average equity | $8,290,600 | 4,556 |
| Average total loans | $39,265,800 | 4,573 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5169% | 2,246 |
| Cost of funding earning assets | 0.6156% | 2,371 |
| Net interest margin | 3.9013% | 2,297 |
| Noninterest income to average assets | 0.4202% | 3,350 |
| Noninterest expense to average assets | 3.2921% | 1,317 |
| Loan and lease loss provision to assets | 0.0993% | 2,009 |
| Net operating income to assets | 0.6821% | 4,281 |
| Return on assets (ROA) | 0.6842% | 4,289 |
| Pretax return on assets | 0.6842% | 4,569 |
| Return on Equity (ROE) | 5.2182% | 4,494 |
| Retained earnings to average equity (ytd only) | 0.3543% | 4,979 |
| Net charge-offs to loans | 0.0205% | 2,722 |
| Credit loss provision to net charge-offs | 783.3333% | 497 |
| Earnings coverage of net charge-offs (x) | 61.6650% | 1,044 |
| Efficiency ratio | 80.8191% | 875 |
| Assets per employee ($millions) | 2.6829% | 5,216 |
| Cash dividends to net income (ytd only)* | 93.2105% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 2,712 |
| Loan loss allowance to noncurrent loans | 51.8711% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 3.0626% | 232 |
| Noncurrent loans to loans | 2.2850% | 606 |
| Net loans and leases to total assets | 64.6089% | 3,353 |
| Net loans and leases to deposits | 76.8411% | 3,342 |
| Net loans and leases to core deposits | 78.0536% | 3,651 |
| Total domestic deposits to total assets | 84.0811% | 2,915 |
| Equity capital to assets | 12.6466% | 1,499 |
| Core capital (leverage) ratio | 13.9188% | 961 |
| Tier 1 risk-based capital ratio | 18.2133% | 1,738 |
| Total risk-based capital ratio | 19.2466% | 1,753 |
| Memoranda: | ||
| Average total assets | $63,140,250 | 4,746 |
| Average earning assets | $59,124,750 | 4,733 |
| Average equity | $8,278,500 | 4,607 |
| Average total loans | $39,065,000 | 4,628 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4447% | 2,275 |
| Cost of funding earning assets | 0.5786% | 2,371 |
| Net interest margin | 3.8661% | 2,327 |
| Noninterest income to average assets | 0.4847% | 2,951 |
| Noninterest expense to average assets | 3.2810% | 1,369 |
| Loan and lease loss provision to assets | 0.0574% | 2,760 |
| Net operating income to assets | 0.7684% | 3,964 |
| Return on assets (ROA) | 0.7716% | 3,954 |
| Pretax return on assets | 0.7716% | 4,329 |
| Return on Equity (ROE) | 5.8147% | 4,300 |
| Retained earnings to average equity (ytd only) | 1.7781% | 4,534 |
| Net charge-offs to loans | 0.0368% | 2,116 |
| Credit loss provision to net charge-offs | 257.1429% | 1,117 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,348 |
| Efficiency ratio | 79.8913% | 1,027 |
| Assets per employee ($millions) | 2.9787% | 5,112 |
| Cash dividends to net income (ytd only)* | 69.4215% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,566 |
| Loan loss allowance to noncurrent loans | 1,267.5676% | 484 |
| Noncurrent assets plus other real estate owned to assets | 1.6978% | 726 |
| Noncurrent loans to loans | 0.0968% | 4,481 |
| Net loans and leases to total assets | 60.3658% | 3,773 |
| Net loans and leases to deposits | 69.7103% | 3,884 |
| Net loans and leases to core deposits | 70.8071% | 4,099 |
| Total domestic deposits to total assets | 86.5952% | 2,017 |
| Equity capital to assets | 13.2514% | 1,207 |
| Core capital (leverage) ratio | 14.1263% | 873 |
| Tier 1 risk-based capital ratio | 19.8043% | 1,360 |
| Total risk-based capital ratio | 20.8543% | 1,364 |
| Memoranda: | ||
| Average total assets | $62,724,000 | 4,811 |
| Average earning assets | $58,766,670 | 4,798 |
| Average equity | $8,323,670 | 4,640 |
| Average total loans | $38,053,330 | 4,701 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 2,483 |
| Cost of funding earning assets | 0.5351% | 2,510 |
| Net interest margin | 3.7725% | 2,534 |
| Noninterest income to average assets | 0.3948% | 3,507 |
| Noninterest expense to average assets | 3.3370% | 1,277 |
| Loan and lease loss provision to assets | 0.0573% | 2,626 |
| Net operating income to assets | 0.5477% | 4,585 |
| Return on assets (ROA) | 0.5477% | 4,588 |
| Pretax return on assets | 0.5477% | 4,794 |
| Return on Equity (ROE) | 4.1242% | 4,738 |
| Retained earnings to average equity (ytd only) | 0.6234% | 4,707 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6527% | 747 |
| Assets per employee ($millions) | 2.8707% | 5,241 |
| Cash dividends to net income (ytd only)* | 84.8837% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 2,939 |
| Loan loss allowance to noncurrent loans | 80.6563% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 2.1724% | 487 |
| Noncurrent loans to loans | 1.4621% | 1,211 |
| Net loans and leases to total assets | 61.9650% | 3,555 |
| Net loans and leases to deposits | 71.9957% | 3,600 |
| Net loans and leases to core deposits | 75.0441% | 3,738 |
| Total domestic deposits to total assets | 86.0676% | 2,517 |
| Equity capital to assets | 13.0488% | 1,213 |
| Core capital (leverage) ratio | 13.9670% | 886 |
| Tier 1 risk-based capital ratio | 18.9878% | 1,548 |
| Total risk-based capital ratio | 19.9974% | 1,578 |
| Memoranda: | ||
| Average total assets | $62,810,000 | 4,875 |
| Average earning assets | $59,059,500 | 4,850 |
| Average equity | $8,341,000 | 4,690 |
| Average total loans | $37,965,500 | 4,747 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8929% | 3,744 |
| Cost of funding earning assets | 0.4945% | 2,380 |
| Net interest margin | 3.3983% | 3,861 |
| Noninterest income to average assets | -0.5051% | 5,661 |
| Noninterest expense to average assets | 3.0899% | 1,889 |
| Loan and lease loss provision to assets | 0.0722% | 2,768 |
| Net operating income to assets | -0.4658% | 5,522 |
| Return on assets (ROA) | -0.4705% | 5,525 |
| Pretax return on assets | -0.4705% | 5,544 |
| Return on Equity (ROE) | -3.4620% | 5,500 |
| Retained earnings to average equity (ytd only) | -3.4620% | 5,368 |
| Net charge-offs to loans | 0.1565% | 1,554 |
| Credit loss provision to net charge-offs | 79.3103% | 2,951 |
| Earnings coverage of net charge-offs (x) | -4.3276% | 4,067 |
| Efficiency ratio | 114.6015% | 80 |
| Assets per employee ($millions) | 2.8393% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,423 |
| Loan loss allowance to noncurrent loans | 107.5117% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.9515% | 586 |
| Noncurrent loans to loans | 1.1726% | 1,514 |
| Net loans and leases to total assets | 57.4274% | 4,066 |
| Net loans and leases to deposits | 66.4666% | 4,151 |
| Net loans and leases to core deposits | 69.2964% | 4,219 |
| Total domestic deposits to total assets | 86.4004% | 2,273 |
| Equity capital to assets | 13.5132% | 1,056 |
| Core capital (leverage) ratio | 13.8167% | 881 |
| Tier 1 risk-based capital ratio | 19.6162% | 1,395 |
| Total risk-based capital ratio | 20.6405% | 1,409 |
| Memoranda: | ||
| Average total assets | $63,755,600 | 4,883 |
| Average earning assets | $60,058,800 | 4,855 |
| Average equity | $8,665,400 | 4,671 |
| Average total loans | $37,064,600 | 4,817 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8379% | 3,878 |
| Cost of funding earning assets | 0.4833% | 2,406 |
| Net interest margin | 3.3546% | 3,996 |
| Noninterest income to average assets | -0.3080% | 5,726 |
| Noninterest expense to average assets | 3.1107% | 1,769 |
| Loan and lease loss provision to assets | 0.0770% | 2,535 |
| Net operating income to assets | -0.3329% | 5,606 |
| Return on assets (ROA) | -0.3412% | 5,606 |
| Pretax return on assets | -0.3412% | 5,599 |
| Return on Equity (ROE) | -2.5071% | 5,596 |
| Retained earnings to average equity (ytd only) | -2.5071% | 5,455 |
| Net charge-offs to loans | 0.2112% | 1,019 |
| Credit loss provision to net charge-offs | 62.7119% | 2,776 |
| Earnings coverage of net charge-offs (x) | -2.0849% | 3,734 |
| Efficiency ratio | 108.9650% | 104 |
| Assets per employee ($millions) | 3.3395% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,803 |
| Loan loss allowance to noncurrent loans | 103.2258% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 2.5626% | 410 |
| Noncurrent loans to loans | 1.1825% | 1,626 |
| Net loans and leases to total assets | 57.1386% | 4,140 |
| Net loans and leases to deposits | 66.3853% | 4,221 |
| Net loans and leases to core deposits | 69.1705% | 4,298 |
| Total domestic deposits to total assets | 86.0711% | 2,282 |
| Equity capital to assets | 13.8280% | 1,041 |
| Core capital (leverage) ratio | 14.0496% | 883 |
| Tier 1 risk-based capital ratio | 19.7446% | 1,426 |
| Total risk-based capital ratio | 20.7377% | 1,446 |
| Memoranda: | ||
| Average total assets | $64,078,250 | 4,930 |
| Average earning assets | $60,413,000 | 4,902 |
| Average equity | $8,721,500 | 4,710 |
| Average total loans | $37,248,250 | 4,863 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 3,965 |
| Cost of funding earning assets | 0.4720% | 2,396 |
| Net interest margin | 3.3076% | 4,082 |
| Noninterest income to average assets | -0.5133% | 5,778 |
| Noninterest expense to average assets | 3.0333% | 2,036 |
| Loan and lease loss provision to assets | 0.0871% | 2,238 |
| Net operating income to assets | -0.5164% | 5,683 |
| Return on assets (ROA) | -0.5133% | 5,681 |
| Pretax return on assets | -0.5133% | 5,671 |
| Return on Equity (ROE) | -3.7914% | 5,668 |
| Retained earnings to average equity (ytd only) | -3.7914% | 5,480 |
| Net charge-offs to loans | -0.0160% | 4,689 |
| Credit loss provision to net charge-offs | -933.3333% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.4875% | 76 |
| Assets per employee ($millions) | 3.3375% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 2,226 |
| Loan loss allowance to noncurrent loans | 46.8662% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 3.7091% | 199 |
| Noncurrent loans to loans | 2.8602% | 468 |
| Net loans and leases to total assets | 58.1499% | 4,013 |
| Net loans and leases to deposits | 67.5212% | 4,108 |
| Net loans and leases to core deposits | 70.2415% | 4,208 |
| Total domestic deposits to total assets | 86.1209% | 2,328 |
| Equity capital to assets | 13.8065% | 1,034 |
| Core capital (leverage) ratio | 13.9501% | 882 |
| Tier 1 risk-based capital ratio | 19.1998% | 1,550 |
| Total risk-based capital ratio | 20.2798% | 1,534 |
| Memoranda: | ||
| Average total assets | $64,287,330 | 4,965 |
| Average earning assets | $60,588,000 | 4,935 |
| Average equity | $8,704,000 | 4,736 |
| Average total loans | $37,430,000 | 4,890 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6966% | 4,127 |
| Cost of funding earning assets | 0.4654% | 2,381 |
| Net interest margin | 3.2313% | 4,243 |
| Noninterest income to average assets | -1.4585% | 5,855 |
| Noninterest expense to average assets | 3.2012% | 1,606 |
| Loan and lease loss provision to assets | 0.1174% | 1,627 |
| Net operating income to assets | -1.7304% | 5,811 |
| Return on assets (ROA) | -1.7242% | 5,811 |
| Pretax return on assets | -1.7242% | 5,805 |
| Return on Equity (ROE) | -12.8594% | 5,792 |
| Retained earnings to average equity (ytd only) | -12.8594% | 5,635 |
| Net charge-offs to loans | -0.0107% | 4,456 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 201.5564% | 18 |
| Assets per employee ($millions) | 3.3878% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 2,455 |
| Loan loss allowance to noncurrent loans | 34.7025% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 3.9274% | 195 |
| Noncurrent loans to loans | 3.7947% | 292 |
| Net loans and leases to total assets | 57.0470% | 4,057 |
| Net loans and leases to deposits | 65.8525% | 4,184 |
| Net loans and leases to core deposits | 67.7603% | 4,308 |
| Total domestic deposits to total assets | 86.6284% | 2,383 |
| Equity capital to assets | 13.3125% | 1,141 |
| Core capital (leverage) ratio | 13.5780% | 951 |
| Tier 1 risk-based capital ratio | 18.7973% | 1,662 |
| Total risk-based capital ratio | 19.8452% | 1,678 |
| Memoranda: | ||
| Average total assets | $64,725,000 | 5,014 |
| Average earning assets | $61,028,500 | 4,972 |
| Average equity | $8,678,500 | 4,776 |
| Average total loans | $37,457,500 | 4,932 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 4,203 |
| Cost of funding earning assets | 0.4700% | 2,352 |
| Net interest margin | 3.2301% | 4,355 |
| Noninterest income to average assets | 0.8332% | 1,635 |
| Noninterest expense to average assets | 3.2115% | 1,764 |
| Loan and lease loss provision to assets | 0.2829% | 700 |
| Net operating income to assets | 0.3731% | 5,025 |
| Return on assets (ROA) | 0.4073% | 4,998 |
| Pretax return on assets | 0.4073% | 5,220 |
| Return on Equity (ROE) | 2.9006% | 5,185 |
| Retained earnings to average equity (ytd only) | 1.2400% | 4,791 |
| Net charge-offs to loans | 0.4268% | 605 |
| Credit loss provision to net charge-offs | 112.3457% | 2,341 |
| Earnings coverage of net charge-offs (x) | 2.6049% | 3,800 |
| Efficiency ratio | 83.0386% | 1,094 |
| Assets per employee ($millions) | 3.4254% | 4,863 |
| Cash dividends to net income (ytd only)* | 57.2519% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,842 |
| Loan loss allowance to noncurrent loans | 45.4985% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 3.7153% | 219 |
| Noncurrent loans to loans | 2.7397% | 539 |
| Net loans and leases to total assets | 57.2124% | 4,145 |
| Net loans and leases to deposits | 66.2026% | 4,228 |
| Net loans and leases to core deposits | 67.9049% | 4,406 |
| Total domestic deposits to total assets | 86.4202% | 2,408 |
| Equity capital to assets | 13.5030% | 1,046 |
| Core capital (leverage) ratio | 14.0312% | 810 |
| Tier 1 risk-based capital ratio | 19.1881% | 1,547 |
| Total risk-based capital ratio | 20.1823% | 1,584 |
| Memoranda: | ||
| Average total assets | $64,332,000 | 5,043 |
| Average earning assets | $60,431,600 | 5,010 |
| Average equity | $9,032,600 | 4,758 |
| Average total loans | $37,957,600 | 4,949 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7084% | 4,221 |
| Cost of funding earning assets | 0.4672% | 2,397 |
| Net interest margin | 3.2413% | 4,371 |
| Noninterest income to average assets | 1.0206% | 1,105 |
| Noninterest expense to average assets | 3.3237% | 1,510 |
| Loan and lease loss provision to assets | 0.3596% | 439 |
| Net operating income to assets | 0.3804% | 5,093 |
| Return on assets (ROA) | 0.3783% | 5,180 |
| Pretax return on assets | 0.3783% | 5,340 |
| Return on Equity (ROE) | 2.6684% | 5,311 |
| Retained earnings to average equity (ytd only) | 2.6684% | 4,309 |
| Net charge-offs to loans | 0.5821% | 359 |
| Credit loss provision to net charge-offs | 104.2169% | 2,292 |
| Earnings coverage of net charge-offs (x) | 2.1445% | 3,613 |
| Efficiency ratio | 81.7903% | 1,220 |
| Assets per employee ($millions) | 3.3918% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 3,092 |
| Loan loss allowance to noncurrent loans | 46.6327% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 3.7241% | 244 |
| Noncurrent loans to loans | 2.6272% | 640 |
| Net loans and leases to total assets | 57.1728% | 4,179 |
| Net loans and leases to deposits | 66.7857% | 4,264 |
| Net loans and leases to core deposits | 68.3834% | 4,433 |
| Total domestic deposits to total assets | 85.6063% | 2,554 |
| Equity capital to assets | 14.3254% | 922 |
| Core capital (leverage) ratio | 14.1843% | 801 |
| Tier 1 risk-based capital ratio | 19.4113% | 1,571 |
| Total risk-based capital ratio | 20.3917% | 1,597 |
| Memoranda: | ||
| Average total assets | $64,144,500 | 5,094 |
| Average earning assets | $60,221,500 | 5,057 |
| Average equity | $9,093,750 | 4,793 |
| Average total loans | $38,020,750 | 4,988 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7198% | 4,225 |
| Cost of funding earning assets | 0.4592% | 2,487 |
| Net interest margin | 3.2607% | 4,345 |
| Noninterest income to average assets | 1.3397% | 635 |
| Noninterest expense to average assets | 3.4039% | 1,368 |
| Loan and lease loss provision to assets | 0.4965% | 266 |
| Net operating income to assets | 0.4997% | 4,683 |
| Return on assets (ROA) | 0.4965% | 4,796 |
| Pretax return on assets | 0.4965% | 5,137 |
| Return on Equity (ROE) | 3.5147% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.5147% | 3,662 |
| Net charge-offs to loans | 0.7527% | 272 |
| Credit loss provision to net charge-offs | 110.4167% | 1,956 |
| Earnings coverage of net charge-offs (x) | 2.2153% | 3,309 |
| Efficiency ratio | 77.3598% | 1,875 |
| Assets per employee ($millions) | 3.1884% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 3,271 |
| Loan loss allowance to noncurrent loans | 45.4990% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 3.7747% | 262 |
| Noncurrent loans to loans | 2.6697% | 619 |
| Net loans and leases to total assets | 59.3050% | 3,977 |
| Net loans and leases to deposits | 69.4795% | 4,033 |
| Net loans and leases to core deposits | 71.3165% | 4,229 |
| Total domestic deposits to total assets | 85.3561% | 2,711 |
| Equity capital to assets | 14.5640% | 857 |
| Core capital (leverage) ratio | 14.1906% | 776 |
| Tier 1 risk-based capital ratio | 18.9025% | 1,711 |
| Total risk-based capital ratio | 19.8772% | 1,737 |
| Memoranda: | ||
| Average total assets | $64,044,330 | 5,144 |
| Average earning assets | $60,110,330 | 5,108 |
| Average equity | $9,047,670 | 4,830 |
| Average total loans | $38,260,330 | 5,029 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 4,309 |
| Cost of funding earning assets | 0.4521% | 2,556 |
| Net interest margin | 3.2514% | 4,392 |
| Noninterest income to average assets | 0.8663% | 1,394 |
| Noninterest expense to average assets | 3.3654% | 1,453 |
| Loan and lease loss provision to assets | 0.9037% | 110 |
| Net operating income to assets | -0.3552% | 5,933 |
| Return on assets (ROA) | -0.3615% | 5,943 |
| Pretax return on assets | -0.3615% | 5,930 |
| Return on Equity (ROE) | -2.5986% | 5,928 |
| Retained earnings to average equity (ytd only) | -2.5986% | 5,442 |
| Net charge-offs to loans | 1.4954% | 122 |
| Credit loss provision to net charge-offs | 101.3986% | 1,604 |
| Earnings coverage of net charge-offs (x) | 0.6154% | 2,905 |
| Efficiency ratio | 85.9873% | 977 |
| Assets per employee ($millions) | 3.3774% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 3,534 |
| Loan loss allowance to noncurrent loans | 43.9689% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 3.7603% | 278 |
| Noncurrent loans to loans | 2.7086% | 655 |
| Net loans and leases to total assets | 58.4392% | 3,992 |
| Net loans and leases to deposits | 67.9649% | 4,061 |
| Net loans and leases to core deposits | 69.7330% | 4,258 |
| Total domestic deposits to total assets | 85.9843% | 2,679 |
| Equity capital to assets | 13.9658% | 994 |
| Core capital (leverage) ratio | 13.8842% | 843 |
| Tier 1 risk-based capital ratio | 18.3866% | 1,884 |
| Total risk-based capital ratio | 19.3276% | 1,927 |
| Memoranda: | ||
| Average total assets | $64,183,000 | 5,193 |
| Average earning assets | $60,158,500 | 5,154 |
| Average equity | $8,928,000 | 4,877 |
| Average total loans | $38,249,500 | 5,069 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 3,470 |
| Cost of funding earning assets | 0.4603% | 2,534 |
| Net interest margin | 3.4996% | 3,524 |
| Noninterest income to average assets | 0.7478% | 1,996 |
| Noninterest expense to average assets | 2.9882% | 2,589 |
| Loan and lease loss provision to assets | 0.0466% | 3,391 |
| Net operating income to assets | 1.0463% | 2,141 |
| Return on assets (ROA) | 1.0090% | 2,406 |
| Pretax return on assets | 1.0090% | 3,434 |
| Return on Equity (ROE) | 7.1558% | 3,425 |
| Retained earnings to average equity (ytd only) | 0.3859% | 5,361 |
| Net charge-offs to loans | 1.1256% | 163 |
| Credit loss provision to net charge-offs | 6.5076% | 3,849 |
| Earnings coverage of net charge-offs (x) | 1.5249% | 4,069 |
| Efficiency ratio | 73.2190% | 2,709 |
| Assets per employee ($millions) | 3.3787% | 5,022 |
| Cash dividends to net income (ytd only)* | 94.6071% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 3,666 |
| Loan loss allowance to noncurrent loans | 108.1731% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 3.4613% | 344 |
| Noncurrent loans to loans | 1.0792% | 2,184 |
| Net loans and leases to total assets | 59.3442% | 3,928 |
| Net loans and leases to deposits | 68.9184% | 4,035 |
| Net loans and leases to core deposits | 70.7026% | 4,249 |
| Total domestic deposits to total assets | 86.1080% | 2,588 |
| Equity capital to assets | 13.8547% | 982 |
| Core capital (leverage) ratio | 13.9748% | 828 |
| Tier 1 risk-based capital ratio | 18.1308% | 1,924 |
| Total risk-based capital ratio | 19.0463% | 1,970 |
| Memoranda: | ||
| Average total assets | $64,319,000 | 5,217 |
| Average earning assets | $61,264,200 | 5,155 |
| Average equity | $9,069,600 | 4,829 |
| Average total loans | $40,956,200 | 4,967 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,513 |
| Cost of funding earning assets | 0.4589% | 2,600 |
| Net interest margin | 3.4981% | 3,544 |
| Noninterest income to average assets | 0.8495% | 1,620 |
| Noninterest expense to average assets | 2.8945% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3033% | 1,336 |
| Return on assets (ROA) | 1.3033% | 1,386 |
| Pretax return on assets | 1.3033% | 2,388 |
| Return on Equity (ROE) | 9.2023% | 2,467 |
| Retained earnings to average equity (ytd only) | 5.4570% | 2,600 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9536% | 3,384 |
| Assets per employee ($millions) | 3.1983% | 5,286 |
| Cash dividends to net income (ytd only)* | 40.6987% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1246% | 738 |
| Loan loss allowance to noncurrent loans | 57.3941% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 2.4028% | 741 |
| Noncurrent loans to loans | 3.7017% | 392 |
| Net loans and leases to total assets | 63.4493% | 3,383 |
| Net loans and leases to deposits | 74.3606% | 3,504 |
| Net loans and leases to core deposits | 76.2708% | 3,774 |
| Total domestic deposits to total assets | 85.3266% | 2,870 |
| Equity capital to assets | 14.6078% | 837 |
| Core capital (leverage) ratio | 14.4293% | 752 |
| Tier 1 risk-based capital ratio | 17.8434% | 2,078 |
| Total risk-based capital ratio | 19.0996% | 2,041 |
| Memoranda: | ||
| Average total assets | $64,350,000 | 5,280 |
| Average earning assets | $61,593,500 | 5,201 |
| Average equity | $9,113,500 | 4,885 |
| Average total loans | $41,558,750 | 5,003 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,490 |
| Cost of funding earning assets | 0.4641% | 2,571 |
| Net interest margin | 3.4858% | 3,555 |
| Noninterest income to average assets | 1.0670% | 1,054 |
| Noninterest expense to average assets | 2.9902% | 2,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4082% | 1,078 |
| Return on assets (ROA) | 1.4082% | 1,114 |
| Pretax return on assets | 1.4082% | 1,950 |
| Return on Equity (ROE) | 10.0479% | 2,046 |
| Retained earnings to average equity (ytd only) | 4.3821% | 3,226 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9831% | 3,670 |
| Assets per employee ($millions) | 3.3651% | 5,046 |
| Cash dividends to net income (ytd only)* | 56.3877% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1661% | 769 |
| Loan loss allowance to noncurrent loans | 56.6195% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 2.4415% | 785 |
| Noncurrent loans to loans | 3.8256% | 425 |
| Net loans and leases to total assets | 62.2372% | 3,518 |
| Net loans and leases to deposits | 72.5602% | 3,667 |
| Net loans and leases to core deposits | 74.8223% | 3,877 |
| Total domestic deposits to total assets | 85.7733% | 2,808 |
| Equity capital to assets | 14.1689% | 927 |
| Core capital (leverage) ratio | 14.0705% | 821 |
| Tier 1 risk-based capital ratio | 17.3162% | 2,281 |
| Total risk-based capital ratio | 18.5706% | 2,242 |
| Memoranda: | ||
| Average total assets | $64,478,000 | 5,334 |
| Average earning assets | $61,621,000 | 5,262 |
| Average equity | $9,036,670 | 4,937 |
| Average total loans | $41,589,330 | 5,044 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 3,431 |
| Cost of funding earning assets | 0.4601% | 2,682 |
| Net interest margin | 3.4865% | 3,493 |
| Noninterest income to average assets | 1.4085% | 591 |
| Noninterest expense to average assets | 2.9900% | 2,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7421% | 537 |
| Return on assets (ROA) | 1.7421% | 569 |
| Pretax return on assets | 1.7421% | 962 |
| Return on Equity (ROE) | 12.4979% | 1,217 |
| Retained earnings to average equity (ytd only) | 12.4979% | 504 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1854% | 4,600 |
| Assets per employee ($millions) | 3.2090% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0906% | 938 |
| Loan loss allowance to noncurrent loans | 55.7595% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 2.4743% | 870 |
| Noncurrent loans to loans | 3.7493% | 483 |
| Net loans and leases to total assets | 64.2889% | 3,053 |
| Net loans and leases to deposits | 75.1507% | 3,155 |
| Net loans and leases to core deposits | 77.4865% | 3,429 |
| Total domestic deposits to total assets | 85.5467% | 3,153 |
| Equity capital to assets | 14.3972% | 860 |
| Core capital (leverage) ratio | 14.2413% | 754 |
| Tier 1 risk-based capital ratio | 16.7791% | 2,570 |
| Total risk-based capital ratio | 18.0309% | 2,521 |
| Memoranda: | ||
| Average total assets | $64,749,000 | 5,379 |
| Average earning assets | $61,724,000 | 5,306 |
| Average equity | $9,025,500 | 4,984 |
| Average total loans | $42,047,500 | 5,066 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9681% | 3,843 |
| Cost of funding earning assets | 0.5087% | 2,580 |
| Net interest margin | 3.4594% | 3,942 |
| Noninterest income to average assets | 0.8340% | 1,733 |
| Noninterest expense to average assets | 3.0053% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1367% | 1,832 |
| Return on assets (ROA) | 1.1305% | 1,920 |
| Pretax return on assets | 1.1305% | 2,963 |
| Return on Equity (ROE) | 8.4068% | 2,906 |
| Retained earnings to average equity (ytd only) | 2.6645% | 4,348 |
| Net charge-offs to loans | 0.3762% | 1,147 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.5153% | 3,633 |
| Efficiency ratio | 72.5578% | 3,112 |
| Assets per employee ($millions) | 3.2660% | 5,321 |
| Cash dividends to net income (ytd only)* | 68.3060% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0999% | 948 |
| Loan loss allowance to noncurrent loans | 54.9595% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 2.8032% | 766 |
| Noncurrent loans to loans | 3.8209% | 507 |
| Net loans and leases to total assets | 62.8806% | 3,383 |
| Net loans and leases to deposits | 72.7767% | 3,587 |
| Net loans and leases to core deposits | 74.5968% | 3,864 |
| Total domestic deposits to total assets | 86.4021% | 2,619 |
| Equity capital to assets | 13.4892% | 1,166 |
| Core capital (leverage) ratio | 13.6192% | 931 |
| Tier 1 risk-based capital ratio | 18.1137% | 2,100 |
| Total risk-based capital ratio | 19.3704% | 2,062 |
| Memoranda: | ||
| Average total assets | $64,751,200 | 5,425 |
| Average earning assets | $61,919,000 | 5,343 |
| Average equity | $8,707,200 | 5,044 |
| Average total loans | $43,333,000 | 5,057 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 3,885 |
| Cost of funding earning assets | 0.5166% | 2,591 |
| Net interest margin | 3.4524% | 4,013 |
| Noninterest income to average assets | 0.5118% | 3,468 |
| Noninterest expense to average assets | 2.9015% | 3,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9204% | 2,819 |
| Return on assets (ROA) | 0.9121% | 2,954 |
| Pretax return on assets | 0.9121% | 3,937 |
| Return on Equity (ROE) | 6.7884% | 3,811 |
| Retained earnings to average equity (ytd only) | 1.9505% | 5,083 |
| Net charge-offs to loans | 0.0580% | 3,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 23.4761% | 1,587 |
| Efficiency ratio | 75.9179% | 2,502 |
| Assets per employee ($millions) | 3.5586% | 4,757 |
| Cash dividends to net income (ytd only)* | 71.2669% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4109% | 723 |
| Loan loss allowance to noncurrent loans | 53.0538% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 3.0381% | 771 |
| Noncurrent loans to loans | 4.5442% | 431 |
| Net loans and leases to total assets | 64.7750% | 3,062 |
| Net loans and leases to deposits | 75.0520% | 3,302 |
| Net loans and leases to core deposits | 76.9663% | 3,643 |
| Total domestic deposits to total assets | 86.3069% | 2,698 |
| Equity capital to assets | 13.5729% | 1,151 |
| Core capital (leverage) ratio | 13.4707% | 1,008 |
| Tier 1 risk-based capital ratio | 17.5497% | 2,381 |
| Total risk-based capital ratio | 18.8103% | 2,332 |
| Memoranda: | ||
| Average total assets | $64,609,250 | 5,493 |
| Average earning assets | $61,946,000 | 5,404 |
| Average equity | $8,681,250 | 5,093 |
| Average total loans | $43,677,750 | 5,101 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 3,744 |
| Cost of funding earning assets | 0.5159% | 2,672 |
| Net interest margin | 3.4790% | 3,863 |
| Noninterest income to average assets | 0.5433% | 3,185 |
| Noninterest expense to average assets | 2.9972% | 2,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8766% | 2,925 |
| Return on assets (ROA) | 0.8643% | 3,081 |
| Pretax return on assets | 0.8643% | 4,018 |
| Return on Equity (ROE) | 6.4538% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.4538% | 2,061 |
| Net charge-offs to loans | 0.1044% | 2,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 12.3478% | 2,069 |
| Efficiency ratio | 77.3705% | 2,396 |
| Assets per employee ($millions) | 3.5947% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4159% | 798 |
| Loan loss allowance to noncurrent loans | 66.2557% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 2.4249% | 1,186 |
| Noncurrent loans to loans | 3.6464% | 708 |
| Net loans and leases to total assets | 63.7354% | 3,114 |
| Net loans and leases to deposits | 73.9134% | 3,326 |
| Net loans and leases to core deposits | 75.7754% | 3,647 |
| Total domestic deposits to total assets | 86.2298% | 2,913 |
| Equity capital to assets | 13.6589% | 1,101 |
| Core capital (leverage) ratio | 13.6503% | 932 |
| Tier 1 risk-based capital ratio | 17.6885% | 2,357 |
| Total risk-based capital ratio | 18.9489% | 2,320 |
| Memoranda: | ||
| Average total assets | $64,794,330 | 5,536 |
| Average earning assets | $62,029,670 | 5,454 |
| Average equity | $8,677,000 | 5,115 |
| Average total loans | $44,065,000 | 5,123 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 3,906 |
| Cost of funding earning assets | 0.5224% | 2,686 |
| Net interest margin | 3.4245% | 4,010 |
| Noninterest income to average assets | 0.4195% | 4,037 |
| Noninterest expense to average assets | 2.8748% | 3,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8205% | 3,050 |
| Return on assets (ROA) | 0.8020% | 3,224 |
| Pretax return on assets | 0.8020% | 4,110 |
| Return on Equity (ROE) | 6.0490% | 4,001 |
| Retained earnings to average equity (ytd only) | 6.0490% | 2,515 |
| Net charge-offs to loans | 0.1779% | 1,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.6500% | 2,203 |
| Efficiency ratio | 77.7963% | 2,501 |
| Assets per employee ($millions) | 3.4229% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2849% | 1,054 |
| Loan loss allowance to noncurrent loans | 85.8340% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.9066% | 1,805 |
| Noncurrent loans to loans | 2.6621% | 1,279 |
| Net loans and leases to total assets | 67.3335% | 2,331 |
| Net loans and leases to deposits | 77.7774% | 2,590 |
| Net loans and leases to core deposits | 79.7157% | 3,003 |
| Total domestic deposits to total assets | 86.5721% | 3,067 |
| Equity capital to assets | 13.3249% | 1,163 |
| Core capital (leverage) ratio | 13.4282% | 994 |
| Tier 1 risk-based capital ratio | 16.4939% | 2,901 |
| Total risk-based capital ratio | 17.7520% | 2,864 |
| Memoranda: | ||
| Average total assets | $64,839,000 | 5,596 |
| Average earning assets | $62,024,000 | 5,504 |
| Average equity | $8,596,500 | 5,154 |
| Average total loans | $44,967,000 | 5,126 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1467% | 3,554 |
| Cost of funding earning assets | 0.5986% | 2,672 |
| Net interest margin | 3.5481% | 3,691 |
| Noninterest income to average assets | 0.4691% | 3,968 |
| Noninterest expense to average assets | 3.1059% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7527% | 3,534 |
| Return on assets (ROA) | 0.6960% | 3,908 |
| Pretax return on assets | 0.6960% | 4,558 |
| Return on Equity (ROE) | 5.4244% | 4,439 |
| Retained earnings to average equity (ytd only) | 3.9906% | 3,356 |
| Net charge-offs to loans | -0.0638% | 6,384 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4926% | 2,077 |
| Assets per employee ($millions) | 3.2321% | 5,422 |
| Cash dividends to net income (ytd only)* | 26.4317% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3139% | 1,027 |
| Loan loss allowance to noncurrent loans | 86.4954% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.9755% | 1,818 |
| Noncurrent loans to loans | 2.6751% | 1,377 |
| Net loans and leases to total assets | 68.1832% | 2,325 |
| Net loans and leases to deposits | 78.6899% | 2,636 |
| Net loans and leases to core deposits | 80.6570% | 3,049 |
| Total domestic deposits to total assets | 86.6480% | 2,909 |
| Equity capital to assets | 13.1911% | 1,190 |
| Core capital (leverage) ratio | 13.2129% | 1,048 |
| Tier 1 risk-based capital ratio | 16.3326% | 2,946 |
| Total risk-based capital ratio | 17.5916% | 2,893 |
| Memoranda: | ||
| Average total assets | $65,231,000 | 5,614 |
| Average earning assets | $62,314,400 | 5,533 |
| Average equity | $8,369,600 | 5,249 |
| Average total loans | $47,018,200 | 5,066 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1653% | 3,508 |
| Cost of funding earning assets | 0.6152% | 2,685 |
| Net interest margin | 3.5501% | 3,655 |
| Noninterest income to average assets | 0.4629% | 4,056 |
| Noninterest expense to average assets | 3.0754% | 2,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7770% | 3,477 |
| Return on assets (ROA) | 0.7444% | 3,750 |
| Pretax return on assets | 0.7444% | 4,510 |
| Return on Equity (ROE) | 5.8420% | 4,272 |
| Retained earnings to average equity (ytd only) | 4.4015% | 3,540 |
| Net charge-offs to loans | -0.1684% | 6,617 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8306% | 2,125 |
| Assets per employee ($millions) | 3.2341% | 5,418 |
| Cash dividends to net income (ytd only)* | 24.6584% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3035% | 1,178 |
| Loan loss allowance to noncurrent loans | 79.9702% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 2.1165% | 1,888 |
| Noncurrent loans to loans | 2.8804% | 1,426 |
| Net loans and leases to total assets | 70.4241% | 1,888 |
| Net loans and leases to deposits | 81.1831% | 2,244 |
| Net loans and leases to core deposits | 83.1708% | 2,746 |
| Total domestic deposits to total assets | 86.7473% | 2,828 |
| Equity capital to assets | 13.1198% | 1,282 |
| Core capital (leverage) ratio | 13.3022% | 1,099 |
| Tier 1 risk-based capital ratio | 16.3739% | 3,003 |
| Total risk-based capital ratio | 17.6333% | 2,960 |
| Memoranda: | ||
| Average total assets | $65,378,250 | 5,672 |
| Average earning assets | $62,419,250 | 5,581 |
| Average equity | $8,330,250 | 5,311 |
| Average total loans | $47,493,000 | 5,093 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1814% | 3,443 |
| Cost of funding earning assets | 0.6384% | 2,604 |
| Net interest margin | 3.5430% | 3,593 |
| Noninterest income to average assets | 0.4938% | 3,877 |
| Noninterest expense to average assets | 3.0849% | 2,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7926% | 3,332 |
| Return on assets (ROA) | 0.7377% | 3,787 |
| Pretax return on assets | 0.7377% | 4,550 |
| Return on Equity (ROE) | 5.8466% | 4,256 |
| Retained earnings to average equity (ytd only) | 3.6722% | 3,975 |
| Net charge-offs to loans | 0.0042% | 4,828 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 260.0000% | 200 |
| Efficiency ratio | 79.5597% | 2,217 |
| Assets per employee ($millions) | 3.1962% | 5,488 |
| Cash dividends to net income (ytd only)* | 37.1901% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1113% | 1,609 |
| Loan loss allowance to noncurrent loans | 65.0193% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 2.5546% | 1,644 |
| Noncurrent loans to loans | 3.2472% | 1,353 |
| Net loans and leases to total assets | 73.4732% | 1,329 |
| Net loans and leases to deposits | 84.6664% | 1,712 |
| Net loans and leases to core deposits | 86.7478% | 2,256 |
| Total domestic deposits to total assets | 86.7796% | 2,954 |
| Equity capital to assets | 13.0859% | 1,317 |
| Core capital (leverage) ratio | 13.1677% | 1,108 |
| Tier 1 risk-based capital ratio | 15.8949% | 3,261 |
| Total risk-based capital ratio | 17.1523% | 3,200 |
| Memoranda: | ||
| Average total assets | $65,610,670 | 5,704 |
| Average earning assets | $62,658,670 | 5,604 |
| Average equity | $8,278,330 | 5,367 |
| Average total loans | $47,782,330 | 5,110 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1629% | 3,455 |
| Cost of funding earning assets | 0.6865% | 2,331 |
| Net interest margin | 3.4764% | 3,804 |
| Noninterest income to average assets | 0.5237% | 3,615 |
| Noninterest expense to average assets | 3.0096% | 2,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8367% | 2,965 |
| Return on assets (ROA) | 0.7404% | 3,606 |
| Pretax return on assets | 0.7404% | 4,408 |
| Return on Equity (ROE) | 5.9745% | 4,062 |
| Retained earnings to average equity (ytd only) | 1.6029% | 5,183 |
| Net charge-offs to loans | 0.0168% | 3,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 514 |
| Efficiency ratio | 78.2473% | 2,568 |
| Assets per employee ($millions) | 3.0363% | 5,917 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0648% | 1,882 |
| Loan loss allowance to noncurrent loans | 64.3766% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 2.5830% | 1,773 |
| Noncurrent loans to loans | 3.2074% | 1,534 |
| Net loans and leases to total assets | 75.2772% | 928 |
| Net loans and leases to deposits | 86.7567% | 1,272 |
| Net loans and leases to core deposits | 88.8936% | 1,818 |
| Total domestic deposits to total assets | 86.7682% | 3,093 |
| Equity capital to assets | 12.9652% | 1,444 |
| Core capital (leverage) ratio | 12.5134% | 1,331 |
| Tier 1 risk-based capital ratio | 15.1695% | 3,726 |
| Total risk-based capital ratio | 16.4269% | 3,674 |
| Memoranda: | ||
| Average total assets | $66,454,000 | 5,727 |
| Average earning assets | $63,513,500 | 5,631 |
| Average equity | $8,235,000 | 5,425 |
| Average total loans | $47,683,500 | 5,145 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 4,902 |
| Cost of funding earning assets | 0.8224% | 2,486 |
| Net interest margin | 3.2898% | 5,280 |
| Noninterest income to average assets | 0.5166% | 3,798 |
| Noninterest expense to average assets | 3.0125% | 3,226 |
| Loan and lease loss provision to assets | 0.0276% | 5,551 |
| Net operating income to assets | 0.5981% | 4,247 |
| Return on assets (ROA) | 0.4890% | 4,979 |
| Pretax return on assets | 0.4890% | 5,311 |
| Return on Equity (ROE) | 4.4759% | 4,945 |
| Retained earnings to average equity (ytd only) | 4.4759% | 3,081 |
| Net charge-offs to loans | 0.2550% | 3,413 |
| Credit loss provision to net charge-offs | 15.3846% | 5,339 |
| Earnings coverage of net charge-offs (x) | 3.4846% | 3,708 |
| Efficiency ratio | 82.8018% | 1,772 |
| Assets per employee ($millions) | 3.4573% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1874% | 1,575 |
| Loan loss allowance to noncurrent loans | 58.3765% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 2.6293% | 1,850 |
| Noncurrent loans to loans | 3.7471% | 1,297 |
| Net loans and leases to total assets | 65.5752% | 2,597 |
| Net loans and leases to deposits | 74.5475% | 3,014 |
| Net loans and leases to core deposits | 81.8669% | 2,788 |
| Total domestic deposits to total assets | 87.9644% | 2,264 |
| Equity capital to assets | 11.8635% | 2,136 |
| Core capital (leverage) ratio | 11.8977% | 1,621 |
| Tier 1 risk-based capital ratio | 16.1564% | 3,074 |
| Total risk-based capital ratio | 17.4150% | 3,023 |
| Memoranda: | ||
| Average total assets | $72,397,200 | 5,569 |
| Average earning assets | $68,698,200 | 5,475 |
| Average equity | $7,909,000 | 5,530 |
| Average total loans | $50,977,000 | 5,066 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2014% | 4,813 |
| Cost of funding earning assets | 0.8387% | 2,638 |
| Net interest margin | 3.3627% | 5,171 |
| Noninterest income to average assets | 0.4826% | 4,042 |
| Noninterest expense to average assets | 2.9995% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6666% | 4,056 |
| Return on assets (ROA) | 0.6046% | 4,638 |
| Pretax return on assets | 0.6046% | 5,152 |
| Return on Equity (ROE) | 5.6494% | 4,509 |
| Retained earnings to average equity (ytd only) | 5.6494% | 2,924 |
| Net charge-offs to loans | 0.2276% | 3,355 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 4.1125% | 3,401 |
| Efficiency ratio | 81.8182% | 1,831 |
| Assets per employee ($millions) | 3.3246% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1515% | 1,802 |
| Loan loss allowance to noncurrent loans | 62.0504% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 3.9432% | 1,228 |
| Noncurrent loans to loans | 3.4673% | 1,567 |
| Net loans and leases to total assets | 67.4220% | 2,382 |
| Net loans and leases to deposits | 76.3722% | 2,929 |
| Net loans and leases to core deposits | 85.2321% | 2,559 |
| Total domestic deposits to total assets | 88.2808% | 1,861 |
| Equity capital to assets | 11.6705% | 2,568 |
| Core capital (leverage) ratio | 11.8349% | 1,755 |
| Tier 1 risk-based capital ratio | 16.0546% | 3,237 |
| Total risk-based capital ratio | 17.3145% | 3,202 |
| Memoranda: | ||
| Average total assets | $73,210,250 | 5,595 |
| Average earning assets | $69,308,250 | 5,518 |
| Average equity | $7,835,500 | 5,601 |
| Average total loans | $52,132,250 | 5,068 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 5,128 |
| Cost of funding earning assets | 0.8603% | 2,725 |
| Net interest margin | 3.2906% | 5,471 |
| Noninterest income to average assets | 0.4843% | 4,026 |
| Noninterest expense to average assets | 2.9324% | 3,502 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6699% | 4,017 |
| Return on assets (ROA) | 0.5784% | 4,728 |
| Pretax return on assets | 0.5784% | 5,213 |
| Return on Equity (ROE) | 5.5618% | 4,555 |
| Retained earnings to average equity (ytd only) | 5.5618% | 2,952 |
| Net charge-offs to loans | -0.0112% | 6,302 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4040% | 1,975 |
| Assets per employee ($millions) | 3.1741% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1428% | 1,903 |
| Loan loss allowance to noncurrent loans | 49.0000% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 4.6154% | 1,056 |
| Noncurrent loans to loans | 4.3730% | 1,227 |
| Net loans and leases to total assets | 73.7037% | 1,296 |
| Net loans and leases to deposits | 84.4860% | 1,790 |
| Net loans and leases to core deposits | 95.0085% | 1,507 |
| Total domestic deposits to total assets | 87.2378% | 2,627 |
| Equity capital to assets | 11.2787% | 2,819 |
| Core capital (leverage) ratio | 11.2504% | 2,087 |
| Tier 1 risk-based capital ratio | 14.8206% | 3,885 |
| Total risk-based capital ratio | 16.0807% | 3,832 |
| Memoranda: | ||
| Average total assets | $74,341,330 | 5,597 |
| Average earning assets | $70,444,000 | 5,508 |
| Average equity | $7,731,330 | 5,644 |
| Average total loans | $53,474,000 | 5,049 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0593% | 5,580 |
| Cost of funding earning assets | 0.8868% | 2,783 |
| Net interest margin | 3.1726% | 5,839 |
| Noninterest income to average assets | 0.4596% | 4,231 |
| Noninterest expense to average assets | 2.7469% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7207% | 3,779 |
| Return on assets (ROA) | 0.5431% | 4,843 |
| Pretax return on assets | 0.5431% | 5,309 |
| Return on Equity (ROE) | 5.4315% | 4,576 |
| Retained earnings to average equity (ytd only) | 5.4315% | 3,298 |
| Net charge-offs to loans | 0.0148% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 485 |
| Efficiency ratio | 79.2169% | 2,313 |
| Assets per employee ($millions) | 3.4179% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1277% | 2,028 |
| Loan loss allowance to noncurrent loans | 53.0747% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 4.0669% | 1,347 |
| Noncurrent loans to loans | 4.0090% | 1,526 |
| Net loans and leases to total assets | 68.6367% | 2,002 |
| Net loans and leases to deposits | 80.1385% | 2,185 |
| Net loans and leases to core deposits | 92.9910% | 1,548 |
| Total domestic deposits to total assets | 85.6476% | 3,718 |
| Equity capital to assets | 10.3307% | 3,699 |
| Core capital (leverage) ratio | 10.4925% | 2,761 |
| Tier 1 risk-based capital ratio | 14.3200% | 4,226 |
| Total risk-based capital ratio | 15.5795% | 4,192 |
| Memoranda: | ||
| Average total assets | $76,596,500 | 5,577 |
| Average earning assets | $72,622,500 | 5,478 |
| Average equity | $7,659,000 | 5,695 |
| Average total loans | $53,913,500 | 5,074 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 5,438 |
| Cost of funding earning assets | 1.0167% | 3,259 |
| Net interest margin | 3.3803% | 5,544 |
| Noninterest income to average assets | -0.0331% | 7,045 |
| Noninterest expense to average assets | 2.9814% | 3,664 |
| Loan and lease loss provision to assets | 0.3660% | 2,797 |
| Net operating income to assets | -0.2007% | 6,258 |
| Return on assets (ROA) | -0.2609% | 6,366 |
| Pretax return on assets | -0.2609% | 6,331 |
| Return on Equity (ROE) | -2.7961% | 6,390 |
| Retained earnings to average equity (ytd only) | -4.6939% | 6,423 |
| Net charge-offs to loans | 0.6583% | 2,507 |
| Credit loss provision to net charge-offs | 74.8792% | 4,678 |
| Earnings coverage of net charge-offs (x) | 0.3382% | 5,568 |
| Efficiency ratio | 94.7467% | 879 |
| Assets per employee ($millions) | 3.3913% | 5,268 |
| Cash dividends to net income (ytd only)* | -67.8733% | 7,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0383% | 2,159 |
| Loan loss allowance to noncurrent loans | 53.7064% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 4.3615% | 1,272 |
| Noncurrent loans to loans | 3.7953% | 1,653 |
| Net loans and leases to total assets | 69.1949% | 2,179 |
| Net loans and leases to deposits | 80.1711% | 2,493 |
| Net loans and leases to core deposits | 94.8691% | 1,602 |
| Total domestic deposits to total assets | 86.3090% | 3,137 |
| Equity capital to assets | 9.6795% | 4,633 |
| Core capital (leverage) ratio | 9.8598% | 3,506 |
| Tier 1 risk-based capital ratio | 13.3039% | 4,831 |
| Total risk-based capital ratio | 14.5619% | 4,810 |
| Memoranda: | ||
| Average total assets | $84,691,000 | 5,321 |
| Average earning assets | $79,666,800 | 5,243 |
| Average equity | $7,903,800 | 5,596 |
| Average total loans | $62,887,600 | 4,754 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 5,648 |
| Cost of funding earning assets | 1.0358% | 3,422 |
| Net interest margin | 3.3524% | 5,710 |
| Noninterest income to average assets | -0.0401% | 7,148 |
| Noninterest expense to average assets | 2.7619% | 4,490 |
| Loan and lease loss provision to assets | 0.4631% | 2,139 |
| Net operating income to assets | -0.1173% | 6,300 |
| Return on assets (ROA) | -0.1976% | 6,466 |
| Pretax return on assets | -0.1976% | 6,409 |
| Return on Equity (ROE) | -2.1353% | 6,491 |
| Retained earnings to average equity (ytd only) | -4.6377% | 6,569 |
| Net charge-offs to loans | 0.6457% | 2,313 |
| Credit loss provision to net charge-offs | 95.5414% | 3,583 |
| Earnings coverage of net charge-offs (x) | 0.7134% | 5,087 |
| Efficiency ratio | 88.8723% | 1,262 |
| Assets per employee ($millions) | 3.7447% | 4,424 |
| Cash dividends to net income (ytd only)* | -117.1921% | 7,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0108% | 2,307 |
| Loan loss allowance to noncurrent loans | 54.0036% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 6.2319% | 844 |
| Noncurrent loans to loans | 3.7235% | 1,827 |
| Net loans and leases to total assets | 71.8097% | 1,754 |
| Net loans and leases to deposits | 82.8697% | 2,194 |
| Net loans and leases to core deposits | 99.1486% | 1,320 |
| Total domestic deposits to total assets | 86.6538% | 2,853 |
| Equity capital to assets | 9.3162% | 5,353 |
| Core capital (leverage) ratio | 9.4430% | 4,236 |
| Tier 1 risk-based capital ratio | 12.0591% | 5,856 |
| Total risk-based capital ratio | 13.3158% | 5,836 |
| Memoranda: | ||
| Average total assets | $86,363,750 | 5,318 |
| Average earning assets | $81,095,250 | 5,238 |
| Average equity | $7,992,250 | 5,606 |
| Average total loans | $64,835,750 | 4,717 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 5,980 |
| Cost of funding earning assets | 1.0474% | 3,619 |
| Net interest margin | 3.2656% | 5,952 |
| Noninterest income to average assets | 0.3535% | 5,059 |
| Noninterest expense to average assets | 2.6251% | 5,089 |
| Loan and lease loss provision to assets | 0.1368% | 4,596 |
| Net operating income to assets | 0.6705% | 3,685 |
| Return on assets (ROA) | 0.5633% | 4,374 |
| Pretax return on assets | 0.5633% | 4,871 |
| Return on Equity (ROE) | 6.1003% | 3,917 |
| Retained earnings to average equity (ytd only) | 2.3957% | 4,766 |
| Net charge-offs to loans | 0.4041% | 2,938 |
| Credit loss provision to net charge-offs | 44.7761% | 4,712 |
| Earnings coverage of net charge-offs (x) | 2.6418% | 3,511 |
| Efficiency ratio | 76.4784% | 2,942 |
| Assets per employee ($millions) | 3.5968% | 4,694 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 2,941 |
| Loan loss allowance to noncurrent loans | 27.0068% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 6.8660% | 755 |
| Noncurrent loans to loans | 6.7176% | 799 |
| Net loans and leases to total assets | 72.3495% | 1,720 |
| Net loans and leases to deposits | 83.9742% | 2,113 |
| Net loans and leases to core deposits | 103.2860% | 1,093 |
| Total domestic deposits to total assets | 86.1568% | 3,239 |
| Equity capital to assets | 9.3763% | 5,023 |
| Core capital (leverage) ratio | 9.7771% | 3,552 |
| Tier 1 risk-based capital ratio | 12.3489% | 5,478 |
| Total risk-based capital ratio | 13.6048% | 5,450 |
| Memoranda: | ||
| Average total assets | $87,690,670 | 5,321 |
| Average earning assets | $82,681,000 | 5,241 |
| Average equity | $8,098,000 | 5,580 |
| Average total loans | $66,323,330 | 4,714 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2627% | 6,116 |
| Cost of funding earning assets | 1.0799% | 3,656 |
| Net interest margin | 3.1828% | 6,121 |
| Noninterest income to average assets | 0.3304% | 5,260 |
| Noninterest expense to average assets | 2.4894% | 5,590 |
| Loan and lease loss provision to assets | 0.1358% | 4,309 |
| Net operating income to assets | 0.7468% | 3,290 |
| Return on assets (ROA) | 0.7468% | 3,354 |
| Pretax return on assets | 0.7468% | 4,110 |
| Return on Equity (ROE) | 8.1481% | 2,849 |
| Retained earnings to average equity (ytd only) | 5.1852% | 3,067 |
| Net charge-offs to loans | 0.0709% | 4,222 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 16.2500% | 1,276 |
| Efficiency ratio | 73.8255% | 3,543 |
| Assets per employee ($millions) | 3.6727% | 4,598 |
| Cash dividends to net income (ytd only)* | 36.3636% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8932% | 2,717 |
| Loan loss allowance to noncurrent loans | 22.9805% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 6.8501% | 794 |
| Noncurrent loans to loans | 8.2382% | 587 |
| Net loans and leases to total assets | 73.2532% | 1,469 |
| Net loans and leases to deposits | 84.9212% | 1,894 |
| Net loans and leases to core deposits | 104.7144% | 1,017 |
| Total domestic deposits to total assets | 86.2601% | 3,354 |
| Equity capital to assets | 9.2688% | 4,784 |
| Core capital (leverage) ratio | 9.4799% | 3,844 |
| Tier 1 risk-based capital ratio | 11.9096% | 5,769 |
| Total risk-based capital ratio | 13.1664% | 5,756 |
| Memoranda: | ||
| Average total assets | $88,374,000 | 5,344 |
| Average earning assets | $84,454,000 | 5,210 |
| Average equity | $8,100,000 | 5,574 |
| Average total loans | $67,680,500 | 4,698 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 5,444 |
| Cost of funding earning assets | 1.2809% | 4,015 |
| Net interest margin | 3.5116% | 5,200 |
| Noninterest income to average assets | 0.3260% | 5,452 |
| Noninterest expense to average assets | 2.6969% | 5,000 |
| Loan and lease loss provision to assets | 0.1345% | 5,827 |
| Net operating income to assets | 0.8459% | 2,606 |
| Return on assets (ROA) | 0.4594% | 4,441 |
| Pretax return on assets | 0.4594% | 4,765 |
| Return on Equity (ROE) | 5.2289% | 3,979 |
| Retained earnings to average equity (ytd only) | 1.9640% | 4,492 |
| Net charge-offs to loans | 0.0254% | 6,554 |
| Credit loss provision to net charge-offs | 666.6667% | 315 |
| Earnings coverage of net charge-offs (x) | 48.6111% | 477 |
| Efficiency ratio | 73.3394% | 3,520 |
| Assets per employee ($millions) | 3.4078% | 5,154 |
| Cash dividends to net income (ytd only)* | 62.4390% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7657% | 2,974 |
| Loan loss allowance to noncurrent loans | 40.5013% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 4.1172% | 1,639 |
| Noncurrent loans to loans | 4.3597% | 1,653 |
| Net loans and leases to total assets | 77.1057% | 1,073 |
| Net loans and leases to deposits | 89.5986% | 1,582 |
| Net loans and leases to core deposits | 111.6946% | 833 |
| Total domestic deposits to total assets | 86.0569% | 3,329 |
| Equity capital to assets | 9.0629% | 5,056 |
| Core capital (leverage) ratio | 9.2753% | 4,055 |
| Tier 1 risk-based capital ratio | 11.2573% | 6,125 |
| Total risk-based capital ratio | 12.5122% | 6,108 |
| Memoranda: | ||
| Average total assets | $89,251,200 | 5,314 |
| Average earning assets | $85,175,200 | 5,174 |
| Average equity | $7,841,000 | 5,767 |
| Average total loans | $70,813,400 | 4,656 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8400% | 5,515 |
| Cost of funding earning assets | 1.3101% | 4,152 |
| Net interest margin | 3.5300% | 5,184 |
| Noninterest income to average assets | 0.3236% | 5,570 |
| Noninterest expense to average assets | 2.6662% | 5,021 |
| Loan and lease loss provision to assets | 0.1342% | 5,686 |
| Net operating income to assets | 0.8902% | 2,647 |
| Return on assets (ROA) | 0.4652% | 4,656 |
| Pretax return on assets | 0.4652% | 5,027 |
| Return on Equity (ROE) | 5.3375% | 4,113 |
| Retained earnings to average equity (ytd only) | 2.3437% | 4,762 |
| Net charge-offs to loans | -0.0525% | 7,477 |
| Credit loss provision to net charge-offs | -321.4286% | 6,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2424% | 3,650 |
| Assets per employee ($millions) | 3.4083% | 5,184 |
| Cash dividends to net income (ytd only)* | 56.0903% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7772% | 2,860 |
| Loan loss allowance to noncurrent loans | 61.5232% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 2.8663% | 2,529 |
| Noncurrent loans to loans | 2.8887% | 2,766 |
| Net loans and leases to total assets | 77.5873% | 1,109 |
| Net loans and leases to deposits | 90.2047% | 1,700 |
| Net loans and leases to core deposits | 112.1635% | 926 |
| Total domestic deposits to total assets | 86.0125% | 3,066 |
| Equity capital to assets | 8.9973% | 5,587 |
| Core capital (leverage) ratio | 9.3015% | 4,208 |
| Tier 1 risk-based capital ratio | 11.0546% | 6,328 |
| Total risk-based capital ratio | 12.3095% | 6,309 |
| Memoranda: | ||
| Average total assets | $89,413,250 | 5,376 |
| Average earning assets | $85,286,500 | 5,221 |
| Average equity | $7,793,750 | 5,862 |
| Average total loans | $71,130,250 | 4,714 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8591% | 5,577 |
| Cost of funding earning assets | 1.3178% | 4,426 |
| Net interest margin | 3.5413% | 5,085 |
| Noninterest income to average assets | 0.3122% | 5,668 |
| Noninterest expense to average assets | 2.6383% | 5,174 |
| Loan and lease loss provision to assets | 0.1338% | 5,550 |
| Net operating income to assets | 0.9144% | 2,499 |
| Return on assets (ROA) | 0.5442% | 4,267 |
| Pretax return on assets | 0.5442% | 4,761 |
| Return on Equity (ROE) | 6.3098% | 3,644 |
| Retained earnings to average equity (ytd only) | 4.3703% | 3,293 |
| Net charge-offs to loans | -0.0280% | 7,338 |
| Credit loss provision to net charge-offs | -600.0000% | 6,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5668% | 3,884 |
| Assets per employee ($millions) | 3.3687% | 5,262 |
| Cash dividends to net income (ytd only)* | 30.7377% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 3,062 |
| Loan loss allowance to noncurrent loans | 51.0457% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 3.2665% | 2,157 |
| Noncurrent loans to loans | 3.3368% | 2,392 |
| Net loans and leases to total assets | 78.8028% | 995 |
| Net loans and leases to deposits | 91.8651% | 1,553 |
| Net loans and leases to core deposits | 113.7928% | 926 |
| Total domestic deposits to total assets | 85.7810% | 3,216 |
| Equity capital to assets | 9.0539% | 5,361 |
| Core capital (leverage) ratio | 9.3033% | 4,117 |
| Tier 1 risk-based capital ratio | 10.6986% | 6,531 |
| Total risk-based capital ratio | 11.9521% | 6,515 |
| Memoranda: | ||
| Average total assets | $89,679,330 | 5,405 |
| Average earning assets | $85,448,670 | 5,257 |
| Average equity | $7,734,000 | 5,890 |
| Average total loans | $71,507,670 | 4,736 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 5,588 |
| Cost of funding earning assets | 1.2986% | 4,822 |
| Net interest margin | 3.5768% | 4,828 |
| Noninterest income to average assets | 0.2910% | 5,817 |
| Noninterest expense to average assets | 2.7203% | 4,813 |
| Loan and lease loss provision to assets | 0.1323% | 5,249 |
| Net operating income to assets | 0.8509% | 2,748 |
| Return on assets (ROA) | 0.3571% | 5,167 |
| Pretax return on assets | 0.3571% | 5,429 |
| Return on Equity (ROE) | 4.2431% | 4,788 |
| Retained earnings to average equity (ytd only) | 0.3143% | 5,702 |
| Net charge-offs to loans | -0.0222% | 7,098 |
| Credit loss provision to net charge-offs | -750.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4524% | 3,678 |
| Assets per employee ($millions) | 3.4363% | 5,191 |
| Cash dividends to net income (ytd only)* | 92.5926% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 3,372 |
| Loan loss allowance to noncurrent loans | 54.0037% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 2.4266% | 2,995 |
| Noncurrent loans to loans | 2.9941% | 2,681 |
| Net loans and leases to total assets | 79.0000% | 981 |
| Net loans and leases to deposits | 91.7006% | 1,653 |
| Net loans and leases to core deposits | 113.9138% | 1,044 |
| Total domestic deposits to total assets | 86.1500% | 3,069 |
| Equity capital to assets | 8.6263% | 5,838 |
| Core capital (leverage) ratio | 9.0142% | 4,541 |
| Tier 1 risk-based capital ratio | 9.4585% | 7,323 |
| Total risk-based capital ratio | 10.7101% | 7,320 |
| Memoranda: | ||
| Average total assets | $90,725,500 | 5,426 |
| Average earning assets | $86,557,000 | 5,288 |
| Average equity | $7,636,000 | 5,967 |
| Average total loans | $72,153,000 | 4,778 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3892% | 4,747 |
| Cost of funding earning assets | 1.9497% | 3,213 |
| Net interest margin | 3.4395% | 5,217 |
| Noninterest income to average assets | 0.4091% | 5,132 |
| Noninterest expense to average assets | 2.7491% | 5,169 |
| Loan and lease loss provision to assets | 0.2609% | 5,319 |
| Net operating income to assets | 0.6834% | 3,003 |
| Return on assets (ROA) | 0.6131% | 3,352 |
| Pretax return on assets | 0.6131% | 3,871 |
| Return on Equity (ROE) | 7.8256% | 2,453 |
| Retained earnings to average equity (ytd only) | 0.7826% | 4,461 |
| Net charge-offs to loans | 0.0153% | 7,005 |
| Credit loss provision to net charge-offs | 2,127.2727% | 154 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 350 |
| Efficiency ratio | 74.4340% | 3,801 |
| Assets per employee ($millions) | 3.5426% | 4,911 |
| Cash dividends to net income (ytd only)* | 90.0000% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 3,466 |
| Loan loss allowance to noncurrent loans | 53.7470% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 2.2962% | 3,008 |
| Noncurrent loans to loans | 2.8871% | 2,675 |
| Net loans and leases to total assets | 77.5600% | 1,473 |
| Net loans and leases to deposits | 89.6675% | 2,270 |
| Net loans and leases to core deposits | 111.6252% | 2,733 |
| Total domestic deposits to total assets | 86.4974% | 2,766 |
| Equity capital to assets | 8.2132% | 6,331 |
| Core capital (leverage) ratio | 9.1140% | 4,250 |
| Tier 1 risk-based capital ratio | 9.2723% | 7,347 |
| Total risk-based capital ratio | 10.5230% | 7,342 |
| Memoranda: | ||
| Average total assets | $89,702,000 | 5,401 |
| Average earning assets | $85,653,200 | 5,275 |
| Average equity | $7,028,200 | 6,257 |
| Average total loans | $71,694,800 | 4,810 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5097% | 4,372 |
| Cost of funding earning assets | 2.1259% | 2,768 |
| Net interest margin | 3.3838% | 5,338 |
| Noninterest income to average assets | 0.4414% | 4,958 |
| Noninterest expense to average assets | 2.7085% | 5,282 |
| Loan and lease loss provision to assets | 0.3053% | 4,529 |
| Net operating income to assets | 0.6599% | 3,354 |
| Return on assets (ROA) | 0.5656% | 3,815 |
| Pretax return on assets | 0.5656% | 4,315 |
| Return on Equity (ROE) | 7.3106% | 2,944 |
| Retained earnings to average equity (ytd only) | 0.6963% | 4,896 |
| Net charge-offs to loans | 0.0242% | 6,548 |
| Credit loss provision to net charge-offs | 1,569.2308% | 246 |
| Earnings coverage of net charge-offs (x) | 49.6238% | 645 |
| Efficiency ratio | 73.7271% | 3,914 |
| Assets per employee ($millions) | 3.4145% | 5,137 |
| Cash dividends to net income (ytd only)* | 90.4760% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 3,565 |
| Loan loss allowance to noncurrent loans | 148.0379% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.8549% | 5,384 |
| Noncurrent loans to loans | 0.9977% | 5,308 |
| Net loans and leases to total assets | 82.2028% | 771 |
| Net loans and leases to deposits | 97.3663% | 1,397 |
| Net loans and leases to core deposits | 122.7966% | 2,012 |
| Total domestic deposits to total assets | 84.4263% | 3,518 |
| Equity capital to assets | 8.2881% | 6,518 |
| Core capital (leverage) ratio | 9.1993% | 4,341 |
| Tier 1 risk-based capital ratio | 9.0042% | 7,621 |
| Total risk-based capital ratio | 10.2205% | 7,651 |
| Memoranda: | ||
| Average total assets | $89,100,500 | 5,452 |
| Average earning assets | $85,109,000 | 5,335 |
| Average equity | $6,894,000 | 6,357 |
| Average total loans | $71,477,250 | 4,857 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5697% | 4,221 |
| Cost of funding earning assets | 2.2471% | 2,593 |
| Net interest margin | 3.3226% | 5,464 |
| Noninterest income to average assets | 0.4327% | 5,005 |
| Noninterest expense to average assets | 2.7240% | 5,284 |
| Loan and lease loss provision to assets | 0.3273% | 3,977 |
| Net operating income to assets | 0.5605% | 3,841 |
| Return on assets (ROA) | 0.5605% | 3,952 |
| Pretax return on assets | 0.5605% | 4,440 |
| Return on Equity (ROE) | 7.4191% | 3,021 |
| Retained earnings to average equity (ytd only) | 1.2464% | 4,652 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4190% | 3,803 |
| Assets per employee ($millions) | 3.3878% | 5,094 |
| Cash dividends to net income (ytd only)* | 83.2000% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 3,392 |
| Loan loss allowance to noncurrent loans | 141.7568% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 1.0081% | 4,953 |
| Noncurrent loans to loans | 1.0331% | 5,151 |
| Net loans and leases to total assets | 80.1256% | 1,297 |
| Net loans and leases to deposits | 93.0150% | 2,268 |
| Net loans and leases to core deposits | 117.2414% | 2,609 |
| Total domestic deposits to total assets | 86.1426% | 2,713 |
| Equity capital to assets | 7.9868% | 6,769 |
| Core capital (leverage) ratio | 9.1716% | 4,347 |
| Tier 1 risk-based capital ratio | 9.6666% | 7,256 |
| Total risk-based capital ratio | 10.9166% | 7,203 |
| Memoranda: | ||
| Average total assets | $89,208,000 | 5,489 |
| Average earning assets | $85,355,330 | 5,363 |
| Average equity | $6,739,330 | 6,452 |
| Average total loans | $70,612,330 | 4,933 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5290% | 4,756 |
| Cost of funding earning assets | 2.3729% | 2,403 |
| Net interest margin | 3.1561% | 5,994 |
| Noninterest income to average assets | 0.3075% | 5,983 |
| Noninterest expense to average assets | 2.6735% | 5,131 |
| Loan and lease loss provision to assets | 0.2495% | 3,973 |
| Net operating income to assets | 0.4010% | 4,853 |
| Return on assets (ROA) | 0.4010% | 5,037 |
| Pretax return on assets | 0.4010% | 5,395 |
| Return on Equity (ROE) | 5.4616% | 4,264 |
| Retained earnings to average equity (ytd only) | 0.9103% | 5,289 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4290% | 2,758 |
| Assets per employee ($millions) | 3.4032% | 5,066 |
| Cash dividends to net income (ytd only)* | 83.3333% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 3,793 |
| Loan loss allowance to noncurrent loans | 44.0920% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 2.7180% | 2,090 |
| Noncurrent loans to loans | 3.0643% | 2,121 |
| Net loans and leases to total assets | 79.1327% | 1,554 |
| Net loans and leases to deposits | 90.7970% | 2,810 |
| Net loans and leases to core deposits | 117.3614% | 2,652 |
| Total domestic deposits to total assets | 87.1535% | 2,146 |
| Equity capital to assets | 7.5370% | 7,321 |
| Core capital (leverage) ratio | 8.8500% | 4,912 |
| Tier 1 risk-based capital ratio | 10.7914% | 6,107 |
| Total risk-based capital ratio | 12.0418% | 6,008 |
| Memoranda: | ||
| Average total assets | $89,770,500 | 5,494 |
| Average earning assets | $85,802,000 | 5,366 |
| Average equity | $6,591,500 | 6,545 |
| Average total loans | $70,105,500 | 4,980 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5068% | 2,923 |
| Cost of funding earning assets | 2.8265% | 2,597 |
| Net interest margin | 3.6802% | 4,548 |
| Noninterest income to average assets | 0.4873% | 4,723 |
| Noninterest expense to average assets | 2.8422% | 4,633 |
| Loan and lease loss provision to assets | 0.0875% | 6,287 |
| Net operating income to assets | 1.0462% | 2,375 |
| Return on assets (ROA) | 1.0462% | 2,268 |
| Pretax return on assets | 1.0462% | 3,221 |
| Return on Equity (ROE) | 11.4300% | 1,779 |
| Retained earnings to average equity (ytd only) | 3.6773% | 2,863 |
| Net charge-offs to loans | 0.2277% | 3,962 |
| Credit loss provision to net charge-offs | 49.3151% | 6,359 |
| Earnings coverage of net charge-offs (x) | 6.3904% | 3,367 |
| Efficiency ratio | 71.4853% | 4,038 |
| Assets per employee ($millions) | 3.5022% | 4,651 |
| Cash dividends to net income (ytd only)* | 67.8281% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 3,751 |
| Loan loss allowance to noncurrent loans | 38.8721% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 2.8037% | 1,673 |
| Noncurrent loans to loans | 3.3553% | 1,540 |
| Net loans and leases to total assets | 75.0401% | 2,876 |
| Net loans and leases to deposits | 85.7674% | 4,148 |
| Net loans and leases to core deposits | 110.3200% | 3,746 |
| Total domestic deposits to total assets | 87.4926% | 1,709 |
| Equity capital to assets | 7.1537% | 7,651 |
| Core capital (leverage) ratio | 9.0791% | 4,633 |
| Tier 1 risk-based capital ratio | 10.8017% | 5,914 |
| Total risk-based capital ratio | 12.0114% | 5,854 |
| Memoranda: | ||
| Average total assets | $82,295,800 | 5,618 |
| Average earning assets | $78,011,200 | 5,502 |
| Average equity | $7,532,800 | 6,267 |
| Average total loans | $64,108,400 | 5,096 |