Home > First State Bank of San Diego > Performance and Condition Ratios
First State Bank of San Diego, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6687% | 2,746 |
| Cost of funding earning assets | 1.2527% | 2,652 |
| Net interest margin | 3.4160% | 2,370 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.5707% | 2,096 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.1228% | 1,850 |
| Return on assets (ROA) | 1.1228% | 1,825 |
| Pretax return on assets | 1.1228% | 2,340 |
| Return on Equity (ROE) | 16.1700% | 1,068 |
| Retained earnings to average equity (ytd only) | 2.3405% | 3,497 |
| Net charge-offs to loans | 0.0251% | 1,813 |
| Credit loss provision to net charge-offs | 400.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 183.6000% | 620 |
| Efficiency ratio | 69.1325% | 1,998 |
| Assets per employee ($millions) | 4.1102% | 4,121 |
| Cash dividends to net income (ytd only)* | 85.5234% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 813 |
| Loan loss allowance to noncurrent loans | 797.5610% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 3,215 |
| Noncurrent loans to loans | 0.2023% | 2,500 |
| Net loans and leases to total assets | 26.9500% | 4,343 |
| Net loans and leases to deposits | 29.3228% | 4,362 |
| Net loans and leases to core deposits | 30.5081% | 4,392 |
| Total domestic deposits to total assets | 91.9200% | 318 |
| Equity capital to assets | 7.8328% | 3,520 |
| Core capital (leverage) ratio | 9.1288% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8325% | 308 |
| Memoranda: | ||
| Average total assets | $79,977,800 | 4,012 |
| Average earning assets | $77,429,800 | 3,954 |
| Average equity | $5,554,400 | 4,209 |
| Average total loans | $19,951,400 | 4,293 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6015% | 2,675 |
| Cost of funding earning assets | 1.1935% | 2,453 |
| Net interest margin | 3.4080% | 2,435 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.4579% | 2,352 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.2322% | 1,695 |
| Return on assets (ROA) | 1.2322% | 1,694 |
| Pretax return on assets | 1.2322% | 2,222 |
| Return on Equity (ROE) | 18.2700% | 916 |
| Retained earnings to average equity (ytd only) | 9.1730% | 1,644 |
| Net charge-offs to loans | 0.0134% | 1,916 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 381.5000% | 375 |
| Efficiency ratio | 66.3135% | 2,237 |
| Assets per employee ($millions) | 4.0912% | 4,127 |
| Cash dividends to net income (ytd only)* | 49.8008% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 939 |
| Loan loss allowance to noncurrent loans | 438.3562% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 2,915 |
| Noncurrent loans to loans | 0.3585% | 1,945 |
| Net loans and leases to total assets | 27.2200% | 4,357 |
| Net loans and leases to deposits | 29.5543% | 4,383 |
| Net loans and leases to core deposits | 31.0630% | 4,374 |
| Total domestic deposits to total assets | 92.1000% | 434 |
| Equity capital to assets | 7.5962% | 3,296 |
| Core capital (leverage) ratio | 9.0841% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4492% | 303 |
| Memoranda: | ||
| Average total assets | $81,476,250 | 4,020 |
| Average earning assets | $78,870,750 | 3,961 |
| Average equity | $5,494,250 | 4,221 |
| Average total loans | $19,872,250 | 4,308 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 2,640 |
| Cost of funding earning assets | 1.0640% | 2,405 |
| Net interest margin | 3.4377% | 2,422 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.3690% | 2,597 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.3367% | 1,482 |
| Return on assets (ROA) | 1.3367% | 1,464 |
| Pretax return on assets | 1.3367% | 1,970 |
| Return on Equity (ROE) | 20.5800% | 650 |
| Retained earnings to average equity (ytd only) | 11.6462% | 1,051 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.5204% | 2,538 |
| Assets per employee ($millions) | 4.6842% | 3,834 |
| Cash dividends to net income (ytd only)* | 43.4164% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 935 |
| Loan loss allowance to noncurrent loans | 536.6667% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 3,016 |
| Noncurrent loans to loans | 0.2983% | 2,067 |
| Net loans and leases to total assets | 24.8500% | 4,410 |
| Net loans and leases to deposits | 26.7696% | 4,432 |
| Net loans and leases to core deposits | 28.1162% | 4,423 |
| Total domestic deposits to total assets | 92.8400% | 278 |
| Equity capital to assets | 6.9495% | 3,822 |
| Core capital (leverage) ratio | 8.1840% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6685% | 281 |
| Memoranda: | ||
| Average total assets | $84,087,667 | 4,009 |
| Average earning assets | $81,391,333 | 3,944 |
| Average equity | $5,461,000 | 4,249 |
| Average total loans | $19,708,333 | 4,332 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 3,576 |
| Cost of funding earning assets | 0.7819% | 2,797 |
| Net interest margin | 3.1609% | 3,208 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.1920% | 3,124 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2976% | 1,681 |
| Return on assets (ROA) | 1.2976% | 1,651 |
| Pretax return on assets | 1.2976% | 2,184 |
| Return on Equity (ROE) | 20.6500% | 690 |
| Retained earnings to average equity (ytd only) | 14.8216% | 822 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.8154% | 2,594 |
| Assets per employee ($millions) | 5.5698% | 3,144 |
| Cash dividends to net income (ytd only)* | 28.2143% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 821 |
| Loan loss allowance to noncurrent loans | 725.5814% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 3,330 |
| Noncurrent loans to loans | 0.2334% | 2,333 |
| Net loans and leases to total assets | 19.1300% | 4,526 |
| Net loans and leases to deposits | 20.3666% | 4,537 |
| Net loans and leases to core deposits | 21.3105% | 4,531 |
| Total domestic deposits to total assets | 93.9200% | 178 |
| Equity capital to assets | 5.9512% | 4,220 |
| Core capital (leverage) ratio | 7.6286% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5661% | 296 |
| Memoranda: | ||
| Average total assets | $86,315,500 | 4,039 |
| Average earning assets | $83,900,000 | 3,971 |
| Average equity | $5,424,500 | 4,309 |
| Average total loans | $19,506,000 | 4,395 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0262% | 4,102 |
| Cost of funding earning assets | 0.1880% | 3,851 |
| Net interest margin | 2.8382% | 3,812 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.4314% | 2,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7242% | 3,555 |
| Return on assets (ROA) | 0.7242% | 3,497 |
| Pretax return on assets | 0.7242% | 3,803 |
| Return on Equity (ROE) | 9.7000% | 2,906 |
| Retained earnings to average equity (ytd only) | 1.5897% | 4,077 |
| Net charge-offs to loans | -0.0477% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.0499% | 918 |
| Assets per employee ($millions) | 4.8715% | 3,768 |
| Cash dividends to net income (ytd only)* | 83.6096% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 1,159 |
| Loan loss allowance to noncurrent loans | 445.7143% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 2,561 |
| Noncurrent loans to loans | 0.3400% | 1,933 |
| Net loans and leases to total assets | 26.0100% | 4,475 |
| Net loans and leases to deposits | 27.9057% | 4,503 |
| Net loans and leases to core deposits | 29.1838% | 4,495 |
| Total domestic deposits to total assets | 93.2200% | 359 |
| Equity capital to assets | 6.6894% | 3,820 |
| Core capital (leverage) ratio | 8.7873% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7563% | 340 |
| Memoranda: | ||
| Average total assets | $74,978,000 | 4,191 |
| Average earning assets | $72,863,800 | 4,123 |
| Average equity | $5,598,600 | 4,370 |
| Average total loans | $20,977,200 | 4,399 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8354% | 4,152 |
| Cost of funding earning assets | 0.1237% | 4,095 |
| Net interest margin | 2.7117% | 3,905 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.3797% | 2,397 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.6645% | 3,657 |
| Return on assets (ROA) | 0.6645% | 3,619 |
| Pretax return on assets | 0.6645% | 3,870 |
| Return on Equity (ROE) | 8.6600% | 3,124 |
| Retained earnings to average equity (ytd only) | 1.3111% | 4,172 |
| Net charge-offs to loans | 0.0253% | 1,314 |
| Credit loss provision to net charge-offs | -375.0000% | 4,681 |
| Earnings coverage of net charge-offs (x) | 88.7500% | 1,000 |
| Efficiency ratio | 78.8690% | 846 |
| Assets per employee ($millions) | 4.5639% | 4,008 |
| Cash dividends to net income (ytd only)* | 84.8649% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,345 |
| Loan loss allowance to noncurrent loans | 658.1395% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 3,304 |
| Noncurrent loans to loans | 0.2252% | 2,488 |
| Net loans and leases to total assets | 25.7600% | 4,514 |
| Net loans and leases to deposits | 27.6900% | 4,537 |
| Net loans and leases to core deposits | 28.7579% | 4,525 |
| Total domestic deposits to total assets | 93.0500% | 567 |
| Equity capital to assets | 6.8377% | 3,596 |
| Core capital (leverage) ratio | 8.9824% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3115% | 335 |
| Memoranda: | ||
| Average total assets | $74,236,500 | 4,230 |
| Average earning assets | $72,227,750 | 4,161 |
| Average equity | $5,694,750 | 4,398 |
| Average total loans | $21,074,500 | 4,428 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7040% | 4,135 |
| Cost of funding earning assets | 0.1073% | 4,112 |
| Net interest margin | 2.5967% | 3,920 |
| Noninterest income to average assets | 0.3644% | 2,962 |
| Noninterest expense to average assets | 2.3044% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5895% | 3,657 |
| Return on assets (ROA) | 0.5895% | 3,601 |
| Pretax return on assets | 0.5895% | 3,835 |
| Return on Equity (ROE) | 7.4216% | 3,179 |
| Retained earnings to average equity (ytd only) | -0.5060% | 4,236 |
| Net charge-offs to loans | 0.0276% | 1,170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 73.3333% | 978 |
| Efficiency ratio | 79.6296% | 976 |
| Assets per employee ($millions) | 4.6196% | 3,991 |
| Cash dividends to net income (ytd only)* | 106.8182% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,505 |
| Loan loss allowance to noncurrent loans | 354.7619% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 2,907 |
| Noncurrent loans to loans | 0.4127% | 1,877 |
| Net loans and leases to total assets | 27.1315% | 4,533 |
| Net loans and leases to deposits | 29.2418% | 4,564 |
| Net loans and leases to core deposits | 30.3582% | 4,557 |
| Total domestic deposits to total assets | 92.7835% | 567 |
| Equity capital to assets | 7.1231% | 3,705 |
| Core capital (leverage) ratio | 8.7209% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1870% | 356 |
| Memoranda: | ||
| Average total assets | $74,641,333 | 4,266 |
| Average earning assets | $72,707,667 | 4,215 |
| Average equity | $5,928,667 | 4,418 |
| Average total loans | $21,733,667 | 4,467 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4207% | 4,355 |
| Cost of funding earning assets | 0.1041% | 4,081 |
| Net interest margin | 2.3166% | 4,210 |
| Noninterest income to average assets | 0.3573% | 2,947 |
| Noninterest expense to average assets | 2.1812% | 2,893 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4320% | 3,890 |
| Return on assets (ROA) | 0.4320% | 3,852 |
| Pretax return on assets | 0.4320% | 3,978 |
| Return on Equity (ROE) | 5.1753% | 3,574 |
| Retained earnings to average equity (ytd only) | 0.1917% | 3,982 |
| Net charge-offs to loans | 0.0178% | 1,173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 743 |
| Efficiency ratio | 83.4694% | 887 |
| Assets per employee ($millions) | 5.0209% | 3,735 |
| Cash dividends to net income (ytd only)* | 96.2963% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 2,201 |
| Loan loss allowance to noncurrent loans | 203.3784% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 2,453 |
| Noncurrent loans to loans | 0.6561% | 1,443 |
| Net loans and leases to total assets | 29.5509% | 4,456 |
| Net loans and leases to deposits | 32.1238% | 4,492 |
| Net loans and leases to core deposits | 33.3348% | 4,497 |
| Total domestic deposits to total assets | 91.9909% | 580 |
| Equity capital to assets | 7.8697% | 3,670 |
| Core capital (leverage) ratio | 8.4125% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2883% | 414 |
| Memoranda: | ||
| Average total assets | $75,005,000 | 4,285 |
| Average earning assets | $73,037,000 | 4,227 |
| Average equity | $6,260,500 | 4,442 |
| Average total loans | $22,424,500 | 4,476 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 2,614 |
| Cost of funding earning assets | 0.1203% | 4,218 |
| Net interest margin | 3.3949% | 2,047 |
| Noninterest income to average assets | 0.3772% | 3,173 |
| Noninterest expense to average assets | 2.3571% | 2,632 |
| Loan and lease loss provision to assets | 0.0339% | 2,374 |
| Net operating income to assets | 1.2783% | 1,669 |
| Return on assets (ROA) | 1.2783% | 1,720 |
| Pretax return on assets | 1.2783% | 2,426 |
| Return on Equity (ROE) | 14.0438% | 1,174 |
| Retained earnings to average equity (ytd only) | 6.1125% | 2,311 |
| Net charge-offs to loans | 0.2698% | 331 |
| Credit loss provision to net charge-offs | 35.7143% | 2,213 |
| Earnings coverage of net charge-offs (x) | 13.8143% | 2,060 |
| Efficiency ratio | 64.2382% | 2,523 |
| Assets per employee ($millions) | 4.9797% | 3,751 |
| Cash dividends to net income (ytd only)* | 56.4756% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 2,112 |
| Loan loss allowance to noncurrent loans | 196.1039% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 2,534 |
| Noncurrent loans to loans | 0.6908% | 1,454 |
| Net loans and leases to total assets | 29.4393% | 4,530 |
| Net loans and leases to deposits | 32.3520% | 4,573 |
| Net loans and leases to core deposits | 33.5935% | 4,565 |
| Total domestic deposits to total assets | 90.9968% | 492 |
| Equity capital to assets | 8.8278% | 3,781 |
| Core capital (leverage) ratio | 9.0775% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6335% | 413 |
| Memoranda: | ||
| Average total assets | $73,691,800 | 4,297 |
| Average earning assets | $71,460,200 | 4,243 |
| Average equity | $6,707,600 | 4,456 |
| Average total loans | $25,948,400 | 4,459 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5613% | 4,527 |
| Cost of funding earning assets | 0.1274% | 4,283 |
| Net interest margin | 2.4339% | 4,361 |
| Noninterest income to average assets | 1.2690% | 725 |
| Noninterest expense to average assets | 2.4327% | 2,336 |
| Loan and lease loss provision to assets | 0.0177% | 2,654 |
| Net operating income to assets | 1.1764% | 2,244 |
| Return on assets (ROA) | 1.1764% | 2,304 |
| Pretax return on assets | 1.1764% | 3,001 |
| Return on Equity (ROE) | 12.8263% | 1,754 |
| Retained earnings to average equity (ytd only) | 7.5810% | 2,187 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0671% | 1,960 |
| Assets per employee ($millions) | 4.3598% | 4,222 |
| Cash dividends to net income (ytd only)* | 40.8951% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 1,871 |
| Loan loss allowance to noncurrent loans | 130.2920% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 1,880 |
| Noncurrent loans to loans | 1.1013% | 1,017 |
| Net loans and leases to total assets | 35.1540% | 4,424 |
| Net loans and leases to deposits | 39.1569% | 4,482 |
| Net loans and leases to core deposits | 40.7925% | 4,488 |
| Total domestic deposits to total assets | 89.7772% | 874 |
| Equity capital to assets | 9.7956% | 3,107 |
| Core capital (leverage) ratio | 9.0005% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5050% | 456 |
| Memoranda: | ||
| Average total assets | $73,440,750 | 4,352 |
| Average earning assets | $71,161,000 | 4,297 |
| Average equity | $6,736,000 | 4,516 |
| Average total loans | $26,862,500 | 4,497 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5308% | 4,595 |
| Cost of funding earning assets | 0.1322% | 4,337 |
| Net interest margin | 2.3986% | 4,423 |
| Noninterest income to average assets | 0.9321% | 1,192 |
| Noninterest expense to average assets | 2.2098% | 3,064 |
| Loan and lease loss provision to assets | 0.0268% | 2,442 |
| Net operating income to assets | 1.0285% | 2,795 |
| Return on assets (ROA) | 1.0285% | 2,876 |
| Pretax return on assets | 1.0285% | 3,375 |
| Return on Equity (ROE) | 11.4564% | 2,247 |
| Retained earnings to average equity (ytd only) | 5.8774% | 2,849 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6784% | 1,916 |
| Assets per employee ($millions) | 4.6713% | 3,956 |
| Cash dividends to net income (ytd only)* | 48.6979% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 2,578 |
| Loan loss allowance to noncurrent loans | 152.5641% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 2,348 |
| Noncurrent loans to loans | 0.8334% | 1,471 |
| Net loans and leases to total assets | 37.0894% | 4,422 |
| Net loans and leases to deposits | 41.1096% | 4,482 |
| Net loans and leases to core deposits | 43.4689% | 4,478 |
| Total domestic deposits to total assets | 90.2209% | 680 |
| Equity capital to assets | 9.0379% | 3,761 |
| Core capital (leverage) ratio | 8.3808% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1388% | 474 |
| Memoranda: | ||
| Average total assets | $74,669,000 | 4,362 |
| Average earning assets | $72,625,667 | 4,307 |
| Average equity | $6,703,667 | 4,543 |
| Average total loans | $27,523,667 | 4,517 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5071% | 4,637 |
| Cost of funding earning assets | 0.1375% | 4,398 |
| Net interest margin | 2.3697% | 4,447 |
| Noninterest income to average assets | 0.3484% | 3,352 |
| Noninterest expense to average assets | 2.1492% | 3,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5092% | 4,159 |
| Return on assets (ROA) | 0.5092% | 4,196 |
| Pretax return on assets | 0.5092% | 4,330 |
| Return on Equity (ROE) | 5.6903% | 3,952 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,366 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8468% | 763 |
| Assets per employee ($millions) | 4.4085% | 4,191 |
| Cash dividends to net income (ytd only)* | 100.0000% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 3,081 |
| Loan loss allowance to noncurrent loans | 93.5310% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 1,906 |
| Noncurrent loans to loans | 1.2533% | 1,040 |
| Net loans and leases to total assets | 39.0366% | 4,381 |
| Net loans and leases to deposits | 42.9188% | 4,464 |
| Net loans and leases to core deposits | 45.3469% | 4,460 |
| Total domestic deposits to total assets | 90.9547% | 414 |
| Equity capital to assets | 8.6970% | 3,967 |
| Core capital (leverage) ratio | 8.0396% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9246% | 408 |
| Memoranda: | ||
| Average total assets | $74,633,000 | 4,382 |
| Average earning assets | $72,752,000 | 4,319 |
| Average equity | $6,678,000 | 4,561 |
| Average total loans | $27,246,500 | 4,547 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1742% | 4,483 |
| Cost of funding earning assets | 0.2493% | 4,377 |
| Net interest margin | 2.9249% | 4,062 |
| Noninterest income to average assets | 0.5552% | 2,398 |
| Noninterest expense to average assets | 2.4410% | 3,018 |
| Loan and lease loss provision to assets | 0.0841% | 3,328 |
| Net operating income to assets | 0.8595% | 2,864 |
| Return on assets (ROA) | 0.8889% | 2,884 |
| Pretax return on assets | 0.8889% | 3,397 |
| Return on Equity (ROE) | 9.4763% | 2,205 |
| Retained earnings to average equity (ytd only) | 1.6740% | 3,963 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1210% | 1,666 |
| Assets per employee ($millions) | 4.3718% | 4,039 |
| Cash dividends to net income (ytd only)* | 82.3344% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 1,995 |
| Loan loss allowance to noncurrent loans | 262.8788% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 3,393 |
| Noncurrent loans to loans | 0.5303% | 2,390 |
| Net loans and leases to total assets | 33.0230% | 4,677 |
| Net loans and leases to deposits | 36.5185% | 4,734 |
| Net loans and leases to core deposits | 38.1493% | 4,735 |
| Total domestic deposits to total assets | 90.4280% | 404 |
| Equity capital to assets | 9.2006% | 3,885 |
| Core capital (leverage) ratio | 8.4183% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1563% | 882 |
| Memoranda: | ||
| Average total assets | $71,322,400 | 4,362 |
| Average earning assets | $68,993,200 | 4,311 |
| Average equity | $6,690,400 | 4,564 |
| Average total loans | $23,492,400 | 4,655 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2744% | 4,509 |
| Cost of funding earning assets | 0.2797% | 4,390 |
| Net interest margin | 2.9947% | 3,992 |
| Noninterest income to average assets | 0.6102% | 2,132 |
| Noninterest expense to average assets | 2.4787% | 2,912 |
| Loan and lease loss provision to assets | 0.1134% | 2,908 |
| Net operating income to assets | 0.9106% | 2,653 |
| Return on assets (ROA) | 0.9503% | 2,657 |
| Pretax return on assets | 0.9503% | 3,234 |
| Return on Equity (ROE) | 10.0797% | 1,988 |
| Retained earnings to average equity (ytd only) | 1.8837% | 3,970 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7659% | 1,779 |
| Assets per employee ($millions) | 4.1500% | 4,194 |
| Cash dividends to net income (ytd only)* | 81.3121% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,270 |
| Loan loss allowance to noncurrent loans | 291.5966% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 3,580 |
| Noncurrent loans to loans | 0.4372% | 2,749 |
| Net loans and leases to total assets | 38.0893% | 4,613 |
| Net loans and leases to deposits | 42.4632% | 4,690 |
| Net loans and leases to core deposits | 44.8435% | 4,691 |
| Total domestic deposits to total assets | 89.6995% | 524 |
| Equity capital to assets | 9.8639% | 3,362 |
| Core capital (leverage) ratio | 8.3543% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3565% | 994 |
| Memoranda: | ||
| Average total assets | $70,572,750 | 4,381 |
| Average earning assets | $68,163,000 | 4,329 |
| Average equity | $6,653,500 | 4,588 |
| Average total loans | $23,143,000 | 4,688 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3098% | 4,637 |
| Cost of funding earning assets | 0.3113% | 4,437 |
| Net interest margin | 2.9985% | 4,124 |
| Noninterest income to average assets | 0.7311% | 1,638 |
| Noninterest expense to average assets | 2.5078% | 2,941 |
| Loan and lease loss provision to assets | 0.1700% | 2,307 |
| Net operating income to assets | 0.9464% | 2,508 |
| Return on assets (ROA) | 1.0059% | 2,425 |
| Pretax return on assets | 1.0059% | 3,007 |
| Return on Equity (ROE) | 10.8369% | 1,690 |
| Retained earnings to average equity (ytd only) | 1.4958% | 3,937 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1947% | 2,061 |
| Assets per employee ($millions) | 4.4051% | 3,908 |
| Cash dividends to net income (ytd only)* | 86.1972% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,119 |
| Loan loss allowance to noncurrent loans | 150.8696% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 3,082 |
| Noncurrent loans to loans | 0.8467% | 1,797 |
| Net loans and leases to total assets | 35.8118% | 4,729 |
| Net loans and leases to deposits | 39.6511% | 4,798 |
| Net loans and leases to core deposits | 41.5493% | 4,805 |
| Total domestic deposits to total assets | 90.3173% | 321 |
| Equity capital to assets | 9.2941% | 3,836 |
| Core capital (leverage) ratio | 8.0909% | 4,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8132% | 1,083 |
| Memoranda: | ||
| Average total assets | $70,580,333 | 4,394 |
| Average earning assets | $68,101,000 | 4,344 |
| Average equity | $6,551,667 | 4,625 |
| Average total loans | $21,784,333 | 4,735 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5576% | 4,578 |
| Cost of funding earning assets | 0.3946% | 4,383 |
| Net interest margin | 3.1630% | 3,946 |
| Noninterest income to average assets | 0.4443% | 2,822 |
| Noninterest expense to average assets | 2.5195% | 3,217 |
| Loan and lease loss provision to assets | 0.1169% | 2,228 |
| Net operating income to assets | 0.8535% | 2,694 |
| Return on assets (ROA) | 0.9762% | 2,362 |
| Pretax return on assets | 0.9762% | 2,913 |
| Return on Equity (ROE) | 10.5238% | 1,562 |
| Retained earnings to average equity (ytd only) | 3.8440% | 2,739 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1943% | 2,052 |
| Assets per employee ($millions) | 4.0692% | 3,827 |
| Cash dividends to net income (ytd only)* | 63.4731% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 1,060 |
| Loan loss allowance to noncurrent loans | 230.8271% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 3,726 |
| Noncurrent loans to loans | 0.6946% | 2,257 |
| Net loans and leases to total assets | 27.2359% | 4,946 |
| Net loans and leases to deposits | 30.1292% | 4,973 |
| Net loans and leases to core deposits | 31.6842% | 4,969 |
| Total domestic deposits to total assets | 90.3971% | 221 |
| Equity capital to assets | 9.4222% | 4,295 |
| Core capital (leverage) ratio | 8.6324% | 4,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8990% | 567 |
| Memoranda: | ||
| Average total assets | $68,427,500 | 4,437 |
| Average earning assets | $65,887,500 | 4,387 |
| Average equity | $6,347,500 | 4,679 |
| Average total loans | $19,094,000 | 4,828 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8444% | 4,512 |
| Cost of funding earning assets | 0.3600% | 4,571 |
| Net interest margin | 3.4844% | 3,499 |
| Noninterest income to average assets | 0.5434% | 2,522 |
| Noninterest expense to average assets | 2.7402% | 2,773 |
| Loan and lease loss provision to assets | 0.0077% | 3,854 |
| Net operating income to assets | 1.1330% | 2,322 |
| Return on assets (ROA) | 1.1330% | 2,418 |
| Pretax return on assets | 1.1330% | 3,065 |
| Return on Equity (ROE) | 12.3028% | 1,395 |
| Retained earnings to average equity (ytd only) | 2.4238% | 3,814 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6069% | 2,079 |
| Assets per employee ($millions) | 3.9811% | 3,923 |
| Cash dividends to net income (ytd only)* | 80.2989% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 1,207 |
| Loan loss allowance to noncurrent loans | 98.2877% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 2,665 |
| Noncurrent loans to loans | 1.5336% | 935 |
| Net loans and leases to total assets | 27.7092% | 5,001 |
| Net loans and leases to deposits | 30.5423% | 5,031 |
| Net loans and leases to core deposits | 32.4278% | 5,030 |
| Total domestic deposits to total assets | 90.7237% | 161 |
| Equity capital to assets | 9.1270% | 4,625 |
| Core capital (leverage) ratio | 9.2019% | 4,359 |
| Tier 1 risk-based capital ratio | 21.8159% | 1,050 |
| Total risk-based capital ratio | 22.8718% | 1,040 |
| Memoranda: | ||
| Average total assets | $64,958,600 | 4,523 |
| Average earning assets | $62,219,800 | 4,473 |
| Average equity | $5,982,400 | 4,757 |
| Average total loans | $18,459,800 | 4,898 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8935% | 4,551 |
| Cost of funding earning assets | 0.3585% | 4,632 |
| Net interest margin | 3.5350% | 3,453 |
| Noninterest income to average assets | 0.5476% | 2,471 |
| Noninterest expense to average assets | 2.7339% | 2,771 |
| Loan and lease loss provision to assets | -0.0726% | 5,141 |
| Net operating income to assets | 1.2611% | 1,982 |
| Return on assets (ROA) | 1.2611% | 2,062 |
| Pretax return on assets | 1.2611% | 2,780 |
| Return on Equity (ROE) | 13.6617% | 1,065 |
| Retained earnings to average equity (ytd only) | 3.3256% | 3,744 |
| Net charge-offs to loans | -0.1601% | 5,079 |
| Credit loss provision to net charge-offs | 159.0909% | 1,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6986% | 2,164 |
| Assets per employee ($millions) | 3.3592% | 4,621 |
| Cash dividends to net income (ytd only)* | 75.6578% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 1,364 |
| Loan loss allowance to noncurrent loans | 123.9631% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 3,065 |
| Noncurrent loans to loans | 1.1772% | 1,342 |
| Net loans and leases to total assets | 30.0422% | 5,053 |
| Net loans and leases to deposits | 33.5842% | 5,096 |
| Net loans and leases to core deposits | 35.9561% | 5,082 |
| Total domestic deposits to total assets | 89.4534% | 461 |
| Equity capital to assets | 10.3068% | 3,720 |
| Core capital (leverage) ratio | 9.4362% | 4,238 |
| Tier 1 risk-based capital ratio | 22.9499% | 948 |
| Total risk-based capital ratio | 23.9904% | 956 |
| Memoranda: | ||
| Average total assets | $64,278,750 | 4,587 |
| Average earning assets | $61,366,000 | 4,545 |
| Average equity | $5,933,750 | 4,828 |
| Average total loans | $18,314,750 | 4,975 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 4,715 |
| Cost of funding earning assets | 0.3527% | 4,669 |
| Net interest margin | 3.4408% | 3,770 |
| Noninterest income to average assets | 0.5126% | 2,607 |
| Noninterest expense to average assets | 2.6728% | 2,998 |
| Loan and lease loss provision to assets | -0.1373% | 5,226 |
| Net operating income to assets | 1.2510% | 1,957 |
| Return on assets (ROA) | 1.2510% | 2,010 |
| Pretax return on assets | 1.2510% | 2,746 |
| Return on Equity (ROE) | 14.0547% | 967 |
| Retained earnings to average equity (ytd only) | 2.8795% | 3,776 |
| Net charge-offs to loans | -0.5472% | 5,232 |
| Credit loss provision to net charge-offs | 90.0000% | 2,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5882% | 2,137 |
| Assets per employee ($millions) | 3.7462% | 4,190 |
| Cash dividends to net income (ytd only)* | 79.5122% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 937 |
| Loan loss allowance to noncurrent loans | 151.0526% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 3,431 |
| Noncurrent loans to loans | 1.0885% | 1,505 |
| Net loans and leases to total assets | 25.4597% | 5,161 |
| Net loans and leases to deposits | 28.0518% | 5,185 |
| Net loans and leases to core deposits | 29.6051% | 5,182 |
| Total domestic deposits to total assets | 90.7596% | 140 |
| Equity capital to assets | 9.0803% | 4,749 |
| Core capital (leverage) ratio | 9.1376% | 4,519 |
| Tier 1 risk-based capital ratio | 24.8644% | 765 |
| Total risk-based capital ratio | 26.0803% | 752 |
| Memoranda: | ||
| Average total assets | $65,550,000 | 4,597 |
| Average earning assets | $62,369,330 | 4,550 |
| Average equity | $5,834,330 | 4,873 |
| Average total loans | $18,275,000 | 5,015 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 4,656 |
| Cost of funding earning assets | 0.3485% | 4,686 |
| Net interest margin | 3.4847% | 3,635 |
| Noninterest income to average assets | 0.5448% | 2,313 |
| Noninterest expense to average assets | 2.6250% | 3,142 |
| Loan and lease loss provision to assets | -0.2786% | 5,317 |
| Net operating income to assets | 1.5416% | 1,023 |
| Return on assets (ROA) | 1.5416% | 1,053 |
| Pretax return on assets | 1.5416% | 1,633 |
| Return on Equity (ROE) | 17.5044% | 445 |
| Retained earnings to average equity (ytd only) | 5.5536% | 2,667 |
| Net charge-offs to loans | -1.1132% | 5,312 |
| Credit loss provision to net charge-offs | 86.5385% | 1,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5159% | 2,710 |
| Assets per employee ($millions) | 3.7381% | 4,293 |
| Cash dividends to net income (ytd only)* | 68.2731% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 1,098 |
| Loan loss allowance to noncurrent loans | 153.7234% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4217% | 2,903 |
| Noncurrent loans to loans | 1.0295% | 1,622 |
| Net loans and leases to total assets | 28.2814% | 5,175 |
| Net loans and leases to deposits | 31.1700% | 5,207 |
| Net loans and leases to core deposits | 33.1654% | 5,200 |
| Total domestic deposits to total assets | 90.7328% | 220 |
| Equity capital to assets | 9.1365% | 4,586 |
| Core capital (leverage) ratio | 9.1189% | 4,554 |
| Tier 1 risk-based capital ratio | 24.3886% | 809 |
| Total risk-based capital ratio | 25.5906% | 796 |
| Memoranda: | ||
| Average total assets | $64,609,000 | 4,663 |
| Average earning assets | $61,984,500 | 4,614 |
| Average equity | $5,690,000 | 4,933 |
| Average total loans | $18,685,000 | 5,061 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8044% | 4,479 |
| Cost of funding earning assets | 0.2889% | 4,625 |
| Net interest margin | 3.5155% | 3,653 |
| Noninterest income to average assets | 0.6419% | 2,080 |
| Noninterest expense to average assets | 2.7587% | 2,830 |
| Loan and lease loss provision to assets | 0.0162% | 3,830 |
| Net operating income to assets | 1.2400% | 2,013 |
| Return on assets (ROA) | 1.2400% | 2,004 |
| Pretax return on assets | 1.2400% | 2,740 |
| Return on Equity (ROE) | 13.6994% | 1,128 |
| Retained earnings to average equity (ytd only) | 0.5193% | 4,847 |
| Net charge-offs to loans | 0.1934% | 994 |
| Credit loss provision to net charge-offs | 25.0000% | 3,377 |
| Earnings coverage of net charge-offs (x) | 19.3750% | 2,067 |
| Efficiency ratio | 68.7122% | 2,430 |
| Assets per employee ($millions) | 3.8630% | 4,086 |
| Cash dividends to net income (ytd only)* | 96.2092% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,368 |
| Loan loss allowance to noncurrent loans | 117.5000% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 2,625 |
| Noncurrent loans to loans | 1.2560% | 1,268 |
| Net loans and leases to total assets | 28.6687% | 5,227 |
| Net loans and leases to deposits | 31.3778% | 5,254 |
| Net loans and leases to core deposits | 34.0163% | 5,244 |
| Total domestic deposits to total assets | 91.3661% | 137 |
| Equity capital to assets | 8.4878% | 4,941 |
| Core capital (leverage) ratio | 9.3737% | 4,271 |
| Tier 1 risk-based capital ratio | 22.9874% | 922 |
| Total risk-based capital ratio | 24.1079% | 901 |
| Memoranda: | ||
| Average total assets | $61,695,400 | 4,728 |
| Average earning assets | $59,194,400 | 4,684 |
| Average equity | $5,584,200 | 4,956 |
| Average total loans | $20,679,600 | 5,061 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 4,406 |
| Cost of funding earning assets | 0.2723% | 4,667 |
| Net interest margin | 3.5423% | 3,548 |
| Noninterest income to average assets | 0.6589% | 2,029 |
| Noninterest expense to average assets | 2.7500% | 2,813 |
| Loan and lease loss provision to assets | 0.0879% | 2,217 |
| Net operating income to assets | 1.2212% | 2,150 |
| Return on assets (ROA) | 1.2212% | 2,150 |
| Pretax return on assets | 1.2212% | 2,907 |
| Return on Equity (ROE) | 13.2691% | 1,342 |
| Retained earnings to average equity (ytd only) | 2.2911% | 4,471 |
| Net charge-offs to loans | 0.2088% | 810 |
| Credit loss provision to net charge-offs | 121.2121% | 1,974 |
| Earnings coverage of net charge-offs (x) | 18.0602% | 2,071 |
| Efficiency ratio | 67.7489% | 2,583 |
| Assets per employee ($millions) | 3.2695% | 4,812 |
| Cash dividends to net income (ytd only)* | 82.7346% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5591% | 1,177 |
| Loan loss allowance to noncurrent loans | 139.9123% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.5234% | 2,646 |
| Noncurrent loans to loans | 1.1143% | 1,528 |
| Net loans and leases to total assets | 34.2254% | 5,195 |
| Net loans and leases to deposits | 37.8694% | 5,246 |
| Net loans and leases to core deposits | 41.8005% | 5,205 |
| Total domestic deposits to total assets | 90.3774% | 386 |
| Equity capital to assets | 9.4323% | 4,149 |
| Core capital (leverage) ratio | 9.7750% | 3,868 |
| Tier 1 risk-based capital ratio | 22.9071% | 944 |
| Total risk-based capital ratio | 24.1556% | 918 |
| Memoranda: | ||
| Average total assets | $60,701,500 | 4,799 |
| Average earning assets | $58,265,250 | 4,754 |
| Average equity | $5,586,750 | 5,012 |
| Average total loans | $21,072,250 | 5,113 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7011% | 4,581 |
| Cost of funding earning assets | 0.2619% | 4,689 |
| Net interest margin | 3.4391% | 3,835 |
| Noninterest income to average assets | 0.6654% | 2,027 |
| Noninterest expense to average assets | 2.6876% | 3,054 |
| Loan and lease loss provision to assets | 0.1305% | 1,521 |
| Net operating income to assets | 1.1448% | 2,415 |
| Return on assets (ROA) | 1.1448% | 2,419 |
| Pretax return on assets | 1.1448% | 3,151 |
| Return on Equity (ROE) | 12.5387% | 1,533 |
| Retained earnings to average equity (ytd only) | 1.0717% | 4,739 |
| Net charge-offs to loans | 0.3196% | 501 |
| Credit loss provision to net charge-offs | 117.6471% | 1,815 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 2,264 |
| Efficiency ratio | 67.8189% | 2,678 |
| Assets per employee ($millions) | 3.5616% | 4,514 |
| Cash dividends to net income (ytd only)* | 91.4530% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 1,391 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 2,833 |
| Noncurrent loans to loans | 1.0006% | 1,748 |
| Net loans and leases to total assets | 34.4685% | 5,228 |
| Net loans and leases to deposits | 37.9952% | 5,285 |
| Net loans and leases to core deposits | 41.5886% | 5,249 |
| Total domestic deposits to total assets | 90.7181% | 322 |
| Equity capital to assets | 9.1481% | 4,436 |
| Core capital (leverage) ratio | 9.5691% | 4,027 |
| Tier 1 risk-based capital ratio | 22.3385% | 1,004 |
| Total risk-based capital ratio | 23.5660% | 986 |
| Memoranda: | ||
| Average total assets | $61,318,330 | 4,848 |
| Average earning assets | $58,794,000 | 4,796 |
| Average equity | $5,598,670 | 5,064 |
| Average total loans | $21,276,000 | 5,165 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5962% | 4,714 |
| Cost of funding earning assets | 0.2370% | 4,786 |
| Net interest margin | 3.3592% | 4,024 |
| Noninterest income to average assets | 0.7196% | 1,747 |
| Noninterest expense to average assets | 2.6125% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3225% | 1,571 |
| Return on assets (ROA) | 1.3225% | 1,575 |
| Pretax return on assets | 1.3225% | 2,280 |
| Return on Equity (ROE) | 14.4976% | 900 |
| Retained earnings to average equity (ytd only) | 2.9848% | 4,008 |
| Net charge-offs to loans | -0.2251% | 5,396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3921% | 3,097 |
| Assets per employee ($millions) | 3.5841% | 4,560 |
| Cash dividends to net income (ytd only)* | 79.4118% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 1,366 |
| Loan loss allowance to noncurrent loans | 96.1424% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5531% | 2,677 |
| Noncurrent loans to loans | 1.5869% | 1,097 |
| Net loans and leases to total assets | 34.3236% | 5,261 |
| Net loans and leases to deposits | 37.8276% | 5,321 |
| Net loans and leases to core deposits | 41.3734% | 5,278 |
| Total domestic deposits to total assets | 90.7368% | 402 |
| Equity capital to assets | 9.1533% | 4,413 |
| Core capital (leverage) ratio | 9.3521% | 4,256 |
| Tier 1 risk-based capital ratio | 21.9016% | 1,064 |
| Total risk-based capital ratio | 23.1254% | 1,046 |
| Memoranda: | ||
| Average total assets | $61,703,500 | 4,895 |
| Average earning assets | $59,062,000 | 4,849 |
| Average equity | $5,628,500 | 5,115 |
| Average total loans | $21,320,000 | 5,223 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4969% | 4,790 |
| Cost of funding earning assets | 0.1864% | 5,055 |
| Net interest margin | 3.3105% | 4,124 |
| Noninterest income to average assets | 0.6359% | 2,270 |
| Noninterest expense to average assets | 2.7469% | 2,968 |
| Loan and lease loss provision to assets | 0.0581% | 3,069 |
| Net operating income to assets | 0.9554% | 2,421 |
| Return on assets (ROA) | 0.9554% | 2,454 |
| Pretax return on assets | 0.9554% | 3,715 |
| Return on Equity (ROE) | 10.3914% | 1,724 |
| Retained earnings to average equity (ytd only) | 0.7899% | 4,724 |
| Net charge-offs to loans | 0.3969% | 630 |
| Credit loss provision to net charge-offs | 41.3793% | 3,428 |
| Earnings coverage of net charge-offs (x) | 7.2184% | 3,070 |
| Efficiency ratio | 73.0472% | 2,056 |
| Assets per employee ($millions) | 3.4710% | 4,738 |
| Cash dividends to net income (ytd only)* | 92.3986% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 1,556 |
| Loan loss allowance to noncurrent loans | 84.5528% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 2,526 |
| Noncurrent loans to loans | 1.7241% | 937 |
| Net loans and leases to total assets | 33.7575% | 5,348 |
| Net loans and leases to deposits | 37.1752% | 5,404 |
| Net loans and leases to core deposits | 40.3254% | 5,381 |
| Total domestic deposits to total assets | 90.8064% | 294 |
| Equity capital to assets | 9.0912% | 4,625 |
| Core capital (leverage) ratio | 9.6429% | 3,875 |
| Tier 1 risk-based capital ratio | 20.8353% | 1,166 |
| Total risk-based capital ratio | 21.9645% | 1,167 |
| Memoranda: | ||
| Average total assets | $61,960,800 | 4,924 |
| Average earning assets | $58,479,800 | 4,896 |
| Average equity | $5,697,000 | 5,147 |
| Average total loans | $21,922,200 | 5,261 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4306% | 4,924 |
| Cost of funding earning assets | 0.1850% | 5,100 |
| Net interest margin | 3.2456% | 4,339 |
| Noninterest income to average assets | 0.6383% | 2,260 |
| Noninterest expense to average assets | 2.6954% | 3,081 |
| Loan and lease loss provision to assets | 0.0216% | 3,717 |
| Net operating income to assets | 0.9855% | 2,615 |
| Return on assets (ROA) | 0.9855% | 2,676 |
| Pretax return on assets | 0.9855% | 3,743 |
| Return on Equity (ROE) | 10.6875% | 1,830 |
| Retained earnings to average equity (ytd only) | 1.3330% | 4,871 |
| Net charge-offs to loans | 0.2963% | 714 |
| Credit loss provision to net charge-offs | 20.4082% | 3,154 |
| Earnings coverage of net charge-offs (x) | 9.5308% | 2,684 |
| Efficiency ratio | 72.8014% | 2,074 |
| Assets per employee ($millions) | 3.2364% | 5,030 |
| Cash dividends to net income (ytd only)* | 87.5271% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 1,414 |
| Loan loss allowance to noncurrent loans | 73.6364% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 0.7553% | 2,239 |
| Noncurrent loans to loans | 2.0824% | 805 |
| Net loans and leases to total assets | 35.7137% | 5,361 |
| Net loans and leases to deposits | 39.7474% | 5,427 |
| Net loans and leases to core deposits | 43.4960% | 5,377 |
| Total domestic deposits to total assets | 89.8515% | 525 |
| Equity capital to assets | 9.9871% | 3,922 |
| Core capital (leverage) ratio | 9.8264% | 3,787 |
| Tier 1 risk-based capital ratio | 21.5731% | 1,103 |
| Total risk-based capital ratio | 22.7849% | 1,090 |
| Memoranda: | ||
| Average total assets | $61,831,500 | 4,980 |
| Average earning assets | $58,375,250 | 4,952 |
| Average equity | $5,701,250 | 5,206 |
| Average total loans | $22,052,000 | 5,308 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4023% | 4,968 |
| Cost of funding earning assets | 0.1821% | 5,122 |
| Net interest margin | 3.2202% | 4,353 |
| Noninterest income to average assets | 0.6252% | 2,348 |
| Noninterest expense to average assets | 2.6466% | 3,278 |
| Loan and lease loss provision to assets | 0.0317% | 3,363 |
| Net operating income to assets | 0.9774% | 2,537 |
| Return on assets (ROA) | 0.9774% | 2,584 |
| Pretax return on assets | 0.9774% | 3,647 |
| Return on Equity (ROE) | 10.8789% | 1,686 |
| Retained earnings to average equity (ytd only) | 1.6954% | 4,581 |
| Net charge-offs to loans | 0.2326% | 878 |
| Credit loss provision to net charge-offs | 38.4615% | 2,656 |
| Earnings coverage of net charge-offs (x) | 12.2308% | 2,212 |
| Efficiency ratio | 72.3958% | 2,278 |
| Assets per employee ($millions) | 3.3854% | 4,882 |
| Cash dividends to net income (ytd only)* | 84.4156% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 1,223 |
| Loan loss allowance to noncurrent loans | 82.0331% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 2,478 |
| Noncurrent loans to loans | 1.9721% | 856 |
| Net loans and leases to total assets | 34.6286% | 5,425 |
| Net loans and leases to deposits | 38.3199% | 5,497 |
| Net loans and leases to core deposits | 41.7357% | 5,449 |
| Total domestic deposits to total assets | 90.3673% | 404 |
| Equity capital to assets | 9.5179% | 4,388 |
| Core capital (leverage) ratio | 9.3202% | 4,342 |
| Tier 1 risk-based capital ratio | 21.2253% | 1,151 |
| Total risk-based capital ratio | 22.4749% | 1,133 |
| Memoranda: | ||
| Average total assets | $63,023,670 | 4,995 |
| Average earning assets | $59,313,330 | 4,969 |
| Average equity | $5,662,330 | 5,244 |
| Average total loans | $22,359,670 | 5,342 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4004% | 4,924 |
| Cost of funding earning assets | 0.1737% | 5,205 |
| Net interest margin | 3.2267% | 4,257 |
| Noninterest income to average assets | 0.6930% | 2,003 |
| Noninterest expense to average assets | 2.5661% | 3,602 |
| Loan and lease loss provision to assets | 0.0624% | 2,559 |
| Net operating income to assets | 1.0801% | 1,947 |
| Return on assets (ROA) | 1.0801% | 1,992 |
| Pretax return on assets | 1.0801% | 3,060 |
| Return on Equity (ROE) | 12.3715% | 1,144 |
| Retained earnings to average equity (ytd only) | 4.2192% | 3,341 |
| Net charge-offs to loans | 0.0175% | 2,437 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 183.0000% | 312 |
| Efficiency ratio | 69.1919% | 3,006 |
| Assets per employee ($millions) | 3.5330% | 4,745 |
| Cash dividends to net income (ytd only)* | 65.8960% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6600% | 1,226 |
| Loan loss allowance to noncurrent loans | 91.1765% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.6856% | 2,574 |
| Noncurrent loans to loans | 1.8206% | 1,025 |
| Net loans and leases to total assets | 34.6542% | 5,450 |
| Net loans and leases to deposits | 38.0806% | 5,522 |
| Net loans and leases to core deposits | 40.4909% | 5,507 |
| Total domestic deposits to total assets | 91.0023% | 301 |
| Equity capital to assets | 8.8719% | 4,932 |
| Core capital (leverage) ratio | 9.0028% | 4,735 |
| Tier 1 risk-based capital ratio | 20.4529% | 1,305 |
| Total risk-based capital ratio | 21.7040% | 1,278 |
| Memoranda: | ||
| Average total assets | $64,066,500 | 5,034 |
| Average earning assets | $59,875,500 | 5,004 |
| Average equity | $5,593,500 | 5,304 |
| Average total loans | $22,815,000 | 5,381 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3075% | 5,147 |
| Cost of funding earning assets | 0.1850% | 5,162 |
| Net interest margin | 3.1224% | 4,664 |
| Noninterest income to average assets | 0.5982% | 2,674 |
| Noninterest expense to average assets | 2.5093% | 3,976 |
| Loan and lease loss provision to assets | 0.0291% | 3,772 |
| Net operating income to assets | 1.0072% | 2,326 |
| Return on assets (ROA) | 1.0072% | 2,422 |
| Pretax return on assets | 1.0072% | 3,450 |
| Return on Equity (ROE) | 12.0696% | 1,227 |
| Retained earnings to average equity (ytd only) | 0.6628% | 5,061 |
| Net charge-offs to loans | 0.1373% | 1,879 |
| Credit loss provision to net charge-offs | 60.6061% | 3,236 |
| Earnings coverage of net charge-offs (x) | 21.5758% | 1,777 |
| Efficiency ratio | 70.7718% | 2,784 |
| Assets per employee ($millions) | 3.5855% | 4,635 |
| Cash dividends to net income (ytd only)* | 94.5087% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 1,456 |
| Loan loss allowance to noncurrent loans | 106.7647% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 3,027 |
| Noncurrent loans to loans | 1.4643% | 1,384 |
| Net loans and leases to total assets | 35.4158% | 5,505 |
| Net loans and leases to deposits | 38.7913% | 5,582 |
| Net loans and leases to core deposits | 41.0573% | 5,570 |
| Total domestic deposits to total assets | 91.2983% | 210 |
| Equity capital to assets | 8.5917% | 5,198 |
| Core capital (leverage) ratio | 8.9026% | 4,850 |
| Tier 1 risk-based capital ratio | 19.2063% | 1,542 |
| Total risk-based capital ratio | 20.4271% | 1,513 |
| Memoranda: | ||
| Average total assets | $68,704,800 | 4,962 |
| Average earning assets | $64,853,000 | 4,922 |
| Average equity | $5,733,400 | 5,328 |
| Average total loans | $24,032,200 | 5,391 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2466% | 5,289 |
| Cost of funding earning assets | 0.1861% | 5,213 |
| Net interest margin | 3.0605% | 4,873 |
| Noninterest income to average assets | 0.6308% | 2,517 |
| Noninterest expense to average assets | 2.4698% | 4,073 |
| Loan and lease loss provision to assets | 0.0382% | 3,475 |
| Net operating income to assets | 1.0151% | 2,364 |
| Return on assets (ROA) | 1.0151% | 2,500 |
| Pretax return on assets | 1.0151% | 3,581 |
| Return on Equity (ROE) | 12.2477% | 1,251 |
| Retained earnings to average equity (ytd only) | -0.0692% | 5,368 |
| Net charge-offs to loans | 0.0880% | 2,083 |
| Credit loss provision to net charge-offs | 125.0000% | 2,021 |
| Earnings coverage of net charge-offs (x) | 34.4421% | 1,361 |
| Efficiency ratio | 70.1031% | 2,869 |
| Assets per employee ($millions) | 3.6053% | 4,642 |
| Cash dividends to net income (ytd only)* | 100.5650% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 1,503 |
| Loan loss allowance to noncurrent loans | 105.8496% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 3,017 |
| Noncurrent loans to loans | 1.5030% | 1,437 |
| Net loans and leases to total assets | 36.2200% | 5,543 |
| Net loans and leases to deposits | 39.8228% | 5,639 |
| Net loans and leases to core deposits | 42.4155% | 5,625 |
| Total domestic deposits to total assets | 90.9531% | 203 |
| Equity capital to assets | 8.8990% | 5,243 |
| Core capital (leverage) ratio | 8.6715% | 5,184 |
| Tier 1 risk-based capital ratio | 18.5582% | 1,778 |
| Total risk-based capital ratio | 19.8017% | 1,738 |
| Memoranda: | ||
| Average total assets | $69,746,250 | 4,980 |
| Average earning assets | $65,912,750 | 4,933 |
| Average equity | $5,780,500 | 5,374 |
| Average total loans | $24,235,250 | 5,434 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2118% | 5,413 |
| Cost of funding earning assets | 0.1867% | 5,267 |
| Net interest margin | 3.0251% | 5,030 |
| Noninterest income to average assets | 0.6390% | 2,425 |
| Noninterest expense to average assets | 2.4242% | 4,255 |
| Loan and lease loss provision to assets | 0.0561% | 3,021 |
| Net operating income to assets | 1.0201% | 2,297 |
| Return on assets (ROA) | 1.0201% | 2,432 |
| Pretax return on assets | 1.0201% | 3,512 |
| Return on Equity (ROE) | 12.5901% | 1,137 |
| Retained earnings to average equity (ytd only) | -1.3835% | 5,481 |
| Net charge-offs to loans | 0.0329% | 2,795 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 603 |
| Efficiency ratio | 69.2554% | 3,104 |
| Assets per employee ($millions) | 3.7266% | 4,399 |
| Cash dividends to net income (ytd only)* | 110.9890% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 1,326 |
| Loan loss allowance to noncurrent loans | 311.1111% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 4,444 |
| Noncurrent loans to loans | 0.5389% | 3,461 |
| Net loans and leases to total assets | 34.2745% | 5,668 |
| Net loans and leases to deposits | 37.5762% | 5,756 |
| Net loans and leases to core deposits | 39.9260% | 5,748 |
| Total domestic deposits to total assets | 91.2133% | 150 |
| Equity capital to assets | 8.6644% | 5,506 |
| Core capital (leverage) ratio | 8.0743% | 5,686 |
| Tier 1 risk-based capital ratio | 19.2820% | 1,633 |
| Total risk-based capital ratio | 20.5346% | 1,591 |
| Memoranda: | ||
| Average total assets | $71,363,330 | 4,999 |
| Average earning assets | $67,502,000 | 4,946 |
| Average equity | $5,782,330 | 5,426 |
| Average total loans | $24,352,000 | 5,485 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1744% | 5,524 |
| Cost of funding earning assets | 0.1719% | 5,449 |
| Net interest margin | 3.0025% | 5,115 |
| Noninterest income to average assets | 0.6857% | 2,110 |
| Noninterest expense to average assets | 2.3672% | 4,466 |
| Loan and lease loss provision to assets | 0.1088% | 1,903 |
| Net operating income to assets | 1.0611% | 2,047 |
| Return on assets (ROA) | 1.0611% | 2,157 |
| Pretax return on assets | 1.0611% | 3,240 |
| Return on Equity (ROE) | 13.5241% | 927 |
| Retained earnings to average equity (ytd only) | 1.4564% | 4,686 |
| Net charge-offs to loans | 0.0161% | 2,614 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 215.0000% | 285 |
| Efficiency ratio | 66.9231% | 3,643 |
| Assets per employee ($millions) | 4.1737% | 3,634 |
| Cash dividends to net income (ytd only)* | 89.2308% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6094% | 1,577 |
| Loan loss allowance to noncurrent loans | 1,274.1935% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 5,138 |
| Noncurrent loans to loans | 0.1263% | 4,968 |
| Net loans and leases to total assets | 32.1447% | 5,776 |
| Net loans and leases to deposits | 34.8752% | 5,851 |
| Net loans and leases to core deposits | 36.4618% | 5,849 |
| Total domestic deposits to total assets | 92.1705% | 97 |
| Equity capital to assets | 7.7496% | 5,895 |
| Core capital (leverage) ratio | 7.8976% | 5,812 |
| Tier 1 risk-based capital ratio | 19.5060% | 1,611 |
| Total risk-based capital ratio | 20.7564% | 1,578 |
| Memoranda: | ||
| Average total assets | $73,505,500 | 4,987 |
| Average earning assets | $69,808,500 | 4,930 |
| Average equity | $5,767,500 | 5,459 |
| Average total loans | $24,836,500 | 5,516 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2293% | 5,475 |
| Cost of funding earning assets | 0.1732% | 5,512 |
| Net interest margin | 3.0561% | 5,013 |
| Noninterest income to average assets | 0.6533% | 2,444 |
| Noninterest expense to average assets | 2.4773% | 4,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1335% | 1,795 |
| Return on assets (ROA) | 1.1335% | 1,857 |
| Pretax return on assets | 1.1335% | 2,913 |
| Return on Equity (ROE) | 14.8556% | 708 |
| Retained earnings to average equity (ytd only) | 1.3949% | 4,929 |
| Net charge-offs to loans | 0.1735% | 1,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 17.3878% | 2,079 |
| Efficiency ratio | 68.6072% | 3,462 |
| Assets per employee ($millions) | 3.9936% | 3,948 |
| Cash dividends to net income (ytd only)* | 90.6103% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 2,027 |
| Loan loss allowance to noncurrent loans | 413.1868% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 5,089 |
| Noncurrent loans to loans | 0.3621% | 4,153 |
| Net loans and leases to total assets | 34.4342% | 5,761 |
| Net loans and leases to deposits | 37.4472% | 5,848 |
| Net loans and leases to core deposits | 39.2718% | 5,843 |
| Total domestic deposits to total assets | 91.9538% | 115 |
| Equity capital to assets | 7.9474% | 5,870 |
| Core capital (leverage) ratio | 8.1452% | 5,739 |
| Tier 1 risk-based capital ratio | 19.1558% | 1,668 |
| Total risk-based capital ratio | 20.4052% | 1,623 |
| Memoranda: | ||
| Average total assets | $75,162,600 | 4,967 |
| Average earning assets | $72,740,600 | 4,882 |
| Average equity | $5,735,200 | 5,496 |
| Average total loans | $28,248,600 | 5,435 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2514% | 5,505 |
| Cost of funding earning assets | 0.1756% | 5,587 |
| Net interest margin | 3.0758% | 5,018 |
| Noninterest income to average assets | 0.6580% | 2,437 |
| Noninterest expense to average assets | 2.4426% | 4,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1967% | 1,660 |
| Return on assets (ROA) | 1.1967% | 1,725 |
| Pretax return on assets | 1.1967% | 2,832 |
| Return on Equity (ROE) | 15.8396% | 611 |
| Retained earnings to average equity (ytd only) | 1.0220% | 5,308 |
| Net charge-offs to loans | -0.0459% | 5,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1167% | 3,685 |
| Assets per employee ($millions) | 3.6884% | 4,468 |
| Cash dividends to net income (ytd only)* | 93.5490% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6489% | 1,613 |
| Loan loss allowance to noncurrent loans | 337.2093% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 5,017 |
| Noncurrent loans to loans | 0.4890% | 3,885 |
| Net loans and leases to total assets | 37.0248% | 5,747 |
| Net loans and leases to deposits | 40.3888% | 5,851 |
| Net loans and leases to core deposits | 42.4678% | 5,842 |
| Total domestic deposits to total assets | 91.6709% | 129 |
| Equity capital to assets | 8.1821% | 5,882 |
| Core capital (leverage) ratio | 7.8559% | 5,964 |
| Tier 1 risk-based capital ratio | 18.6928% | 1,856 |
| Total risk-based capital ratio | 19.9463% | 1,813 |
| Memoranda: | ||
| Average total assets | $75,982,000 | 5,004 |
| Average earning assets | $73,647,500 | 4,917 |
| Average equity | $5,740,750 | 5,568 |
| Average total loans | $29,028,500 | 5,467 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2269% | 5,575 |
| Cost of funding earning assets | 0.1718% | 5,679 |
| Net interest margin | 3.0552% | 5,078 |
| Noninterest income to average assets | 0.6697% | 2,360 |
| Noninterest expense to average assets | 2.4195% | 4,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2162% | 1,551 |
| Return on assets (ROA) | 1.2162% | 1,632 |
| Pretax return on assets | 1.2162% | 2,711 |
| Return on Equity (ROE) | 16.5071% | 548 |
| Retained earnings to average equity (ytd only) | 0.5224% | 5,344 |
| Net charge-offs to loans | -0.1605% | 5,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5490% | 3,909 |
| Assets per employee ($millions) | 3.9285% | 4,022 |
| Cash dividends to net income (ytd only)* | 96.8354% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 2,110 |
| Loan loss allowance to noncurrent loans | 219.0244% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 4,774 |
| Noncurrent loans to loans | 0.7034% | 3,378 |
| Net loans and leases to total assets | 38.4422% | 5,715 |
| Net loans and leases to deposits | 41.6803% | 5,851 |
| Net loans and leases to core deposits | 43.4540% | 5,851 |
| Total domestic deposits to total assets | 92.2309% | 104 |
| Equity capital to assets | 7.6418% | 6,086 |
| Core capital (leverage) ratio | 7.1781% | 6,158 |
| Tier 1 risk-based capital ratio | 16.8657% | 2,458 |
| Total risk-based capital ratio | 18.1167% | 2,413 |
| Memoranda: | ||
| Average total assets | $77,949,330 | 5,020 |
| Average earning assets | $75,675,330 | 4,933 |
| Average equity | $5,743,000 | 5,617 |
| Average total loans | $29,910,670 | 5,475 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1954% | 5,656 |
| Cost of funding earning assets | 0.1706% | 5,765 |
| Net interest margin | 3.0247% | 5,137 |
| Noninterest income to average assets | 0.7286% | 2,031 |
| Noninterest expense to average assets | 2.3768% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2914% | 1,302 |
| Return on assets (ROA) | 1.2914% | 1,383 |
| Pretax return on assets | 1.2914% | 2,320 |
| Return on Equity (ROE) | 17.8395% | 399 |
| Retained earnings to average equity (ytd only) | 9.7180% | 988 |
| Net charge-offs to loans | -0.0264% | 5,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7945% | 4,345 |
| Assets per employee ($millions) | 4.3705% | 3,247 |
| Cash dividends to net income (ytd only)* | 45.5253% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 2,767 |
| Loan loss allowance to noncurrent loans | 59.4708% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8646% | 2,919 |
| Noncurrent loans to loans | 2.4133% | 1,017 |
| Net loans and leases to total assets | 35.3143% | 5,858 |
| Net loans and leases to deposits | 38.0444% | 5,987 |
| Net loans and leases to core deposits | 39.4822% | 5,992 |
| Total domestic deposits to total assets | 92.8239% | 73 |
| Equity capital to assets | 7.0376% | 6,256 |
| Core capital (leverage) ratio | 7.0286% | 6,235 |
| Tier 1 risk-based capital ratio | 17.0315% | 2,473 |
| Total risk-based capital ratio | 18.2820% | 2,427 |
| Memoranda: | ||
| Average total assets | $79,603,000 | 5,035 |
| Average earning assets | $77,362,000 | 4,935 |
| Average equity | $5,762,500 | 5,666 |
| Average total loans | $30,294,500 | 5,496 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2923% | 5,712 |
| Cost of funding earning assets | 0.1727% | 5,961 |
| Net interest margin | 3.1196% | 5,156 |
| Noninterest income to average assets | 0.7035% | 2,288 |
| Noninterest expense to average assets | 2.4168% | 4,805 |
| Loan and lease loss provision to assets | 0.0104% | 4,415 |
| Net operating income to assets | 1.3006% | 1,306 |
| Return on assets (ROA) | 1.3006% | 1,355 |
| Pretax return on assets | 1.3006% | 2,238 |
| Return on Equity (ROE) | 17.8788% | 408 |
| Retained earnings to average equity (ytd only) | 4.3894% | 3,057 |
| Net charge-offs to loans | 0.1471% | 2,563 |
| Credit loss provision to net charge-offs | 18.6047% | 3,990 |
| Earnings coverage of net charge-offs (x) | 23.4884% | 1,580 |
| Efficiency ratio | 64.8329% | 4,432 |
| Assets per employee ($millions) | 4.0087% | 3,938 |
| Cash dividends to net income (ytd only)* | 75.4491% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 3,057 |
| Loan loss allowance to noncurrent loans | 68.5484% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 3,171 |
| Noncurrent loans to loans | 2.0106% | 1,383 |
| Net loans and leases to total assets | 39.9286% | 5,750 |
| Net loans and leases to deposits | 43.2093% | 5,915 |
| Net loans and leases to core deposits | 45.0028% | 5,925 |
| Total domestic deposits to total assets | 92.4074% | 106 |
| Equity capital to assets | 7.4587% | 6,243 |
| Core capital (leverage) ratio | 7.4671% | 6,211 |
| Tier 1 risk-based capital ratio | 15.0652% | 3,454 |
| Total risk-based capital ratio | 16.2097% | 3,449 |
| Memoranda: | ||
| Average total assets | $77,043,000 | 5,127 |
| Average earning assets | $74,688,400 | 5,025 |
| Average equity | $5,604,400 | 5,715 |
| Average total loans | $29,227,400 | 5,590 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2212% | 5,879 |
| Cost of funding earning assets | 0.1782% | 6,005 |
| Net interest margin | 3.0430% | 5,393 |
| Noninterest income to average assets | 0.7093% | 2,281 |
| Noninterest expense to average assets | 2.3297% | 5,028 |
| Loan and lease loss provision to assets | 0.0138% | 4,136 |
| Net operating income to assets | 1.3132% | 1,333 |
| Return on assets (ROA) | 1.3132% | 1,388 |
| Pretax return on assets | 1.3132% | 2,322 |
| Return on Equity (ROE) | 18.1664% | 424 |
| Retained earnings to average equity (ytd only) | 5.1086% | 3,013 |
| Net charge-offs to loans | 0.0833% | 3,014 |
| Credit loss provision to net charge-offs | 44.4444% | 3,211 |
| Earnings coverage of net charge-offs (x) | 42.7213% | 1,081 |
| Efficiency ratio | 63.7093% | 4,597 |
| Assets per employee ($millions) | 3.9606% | 3,963 |
| Cash dividends to net income (ytd only)* | 71.8797% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 3,168 |
| Loan loss allowance to noncurrent loans | 248.6188% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 5,257 |
| Noncurrent loans to loans | 0.5638% | 4,229 |
| Net loans and leases to total assets | 42.0653% | 5,664 |
| Net loans and leases to deposits | 45.5435% | 5,893 |
| Net loans and leases to core deposits | 47.5250% | 5,908 |
| Total domestic deposits to total assets | 92.3630% | 119 |
| Equity capital to assets | 7.4948% | 6,304 |
| Core capital (leverage) ratio | 7.3172% | 6,327 |
| Tier 1 risk-based capital ratio | 15.4318% | 3,357 |
| Total risk-based capital ratio | 16.6805% | 3,292 |
| Memoranda: | ||
| Average total assets | $77,262,250 | 5,180 |
| Average earning assets | $74,836,750 | 5,072 |
| Average equity | $5,585,250 | 5,779 |
| Average total loans | $28,825,000 | 5,671 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1317% | 6,023 |
| Cost of funding earning assets | 0.1772% | 6,095 |
| Net interest margin | 2.9545% | 5,625 |
| Noninterest income to average assets | 0.7134% | 2,217 |
| Noninterest expense to average assets | 2.2763% | 5,213 |
| Loan and lease loss provision to assets | -0.0051% | 6,216 |
| Net operating income to assets | 1.3088% | 1,284 |
| Return on assets (ROA) | 1.3088% | 1,335 |
| Pretax return on assets | 1.3088% | 2,220 |
| Return on Equity (ROE) | 18.3223% | 434 |
| Retained earnings to average equity (ytd only) | 6.9696% | 1,791 |
| Net charge-offs to loans | 0.1226% | 2,446 |
| Credit loss provision to net charge-offs | -11.7647% | 5,082 |
| Earnings coverage of net charge-offs (x) | 29.8824% | 1,258 |
| Efficiency ratio | 63.5842% | 4,755 |
| Assets per employee ($millions) | 4.5844% | 2,789 |
| Cash dividends to net income (ytd only)* | 61.9608% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 2,706 |
| Loan loss allowance to noncurrent loans | 218.3168% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 5,314 |
| Noncurrent loans to loans | 0.7066% | 3,941 |
| Net loans and leases to total assets | 36.1165% | 6,047 |
| Net loans and leases to deposits | 38.9853% | 6,193 |
| Net loans and leases to core deposits | 40.6666% | 6,201 |
| Total domestic deposits to total assets | 92.6412% | 105 |
| Equity capital to assets | 7.2433% | 6,406 |
| Core capital (leverage) ratio | 7.1388% | 6,407 |
| Tier 1 risk-based capital ratio | 16.9222% | 2,650 |
| Total risk-based capital ratio | 18.1743% | 2,615 |
| Memoranda: | ||
| Average total assets | $77,932,330 | 5,209 |
| Average earning assets | $75,614,330 | 5,085 |
| Average equity | $5,567,000 | 5,815 |
| Average total loans | $27,731,670 | 5,762 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9929% | 6,247 |
| Cost of funding earning assets | 0.1847% | 6,118 |
| Net interest margin | 2.8081% | 5,919 |
| Noninterest income to average assets | 0.7699% | 1,872 |
| Noninterest expense to average assets | 2.1609% | 5,555 |
| Loan and lease loss provision to assets | -0.0103% | 6,401 |
| Net operating income to assets | 1.3499% | 1,098 |
| Return on assets (ROA) | 1.3499% | 1,141 |
| Pretax return on assets | 1.3499% | 1,916 |
| Return on Equity (ROE) | 19.0304% | 356 |
| Retained earnings to average equity (ytd only) | 10.0579% | 947 |
| Net charge-offs to loans | 0.2198% | 1,444 |
| Credit loss provision to net charge-offs | -13.3333% | 4,681 |
| Earnings coverage of net charge-offs (x) | 17.4000% | 1,461 |
| Efficiency ratio | 61.7302% | 5,168 |
| Assets per employee ($millions) | 4.6334% | 2,750 |
| Cash dividends to net income (ytd only)* | 47.1483% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 2,538 |
| Loan loss allowance to noncurrent loans | 777.1930% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 6,038 |
| Noncurrent loans to loans | 0.2114% | 5,460 |
| Net loans and leases to total assets | 33.6710% | 6,194 |
| Net loans and leases to deposits | 36.2818% | 6,304 |
| Net loans and leases to core deposits | 37.8248% | 6,315 |
| Total domestic deposits to total assets | 92.8042% | 136 |
| Equity capital to assets | 7.0739% | 6,432 |
| Core capital (leverage) ratio | 7.0238% | 6,466 |
| Tier 1 risk-based capital ratio | 18.0841% | 2,263 |
| Total risk-based capital ratio | 19.3368% | 2,234 |
| Memoranda: | ||
| Average total assets | $77,931,500 | 5,258 |
| Average earning assets | $75,780,000 | 5,124 |
| Average equity | $5,528,000 | 5,857 |
| Average total loans | $27,303,500 | 5,835 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1672% | 6,174 |
| Cost of funding earning assets | 0.1933% | 6,322 |
| Net interest margin | 2.9740% | 5,634 |
| Noninterest income to average assets | 0.7311% | 2,374 |
| Noninterest expense to average assets | 2.2927% | 5,404 |
| Loan and lease loss provision to assets | -0.0242% | 6,310 |
| Net operating income to assets | 1.3372% | 1,161 |
| Return on assets (ROA) | 1.3372% | 1,202 |
| Pretax return on assets | 1.3372% | 2,019 |
| Return on Equity (ROE) | 18.3012% | 385 |
| Retained earnings to average equity (ytd only) | 1.6186% | 5,064 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5855% | 4,976 |
| Assets per employee ($millions) | 4.5350% | 2,844 |
| Cash dividends to net income (ytd only)* | 91.1558% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6641% | 2,520 |
| Loan loss allowance to noncurrent loans | 867.9245% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 6,147 |
| Noncurrent loans to loans | 0.1917% | 5,620 |
| Net loans and leases to total assets | 35.2578% | 6,235 |
| Net loans and leases to deposits | 38.0035% | 6,365 |
| Net loans and leases to core deposits | 39.8009% | 6,369 |
| Total domestic deposits to total assets | 92.7751% | 159 |
| Equity capital to assets | 7.1133% | 6,430 |
| Core capital (leverage) ratio | 7.0712% | 6,511 |
| Tier 1 risk-based capital ratio | 16.5311% | 2,842 |
| Total risk-based capital ratio | 17.7833% | 2,812 |
| Memoranda: | ||
| Average total assets | $74,408,800 | 5,370 |
| Average earning assets | $71,924,200 | 5,259 |
| Average equity | $5,436,800 | 5,952 |
| Average total loans | $27,407,400 | 5,876 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1924% | 6,206 |
| Cost of funding earning assets | 0.1987% | 6,405 |
| Net interest margin | 2.9937% | 5,614 |
| Noninterest income to average assets | 0.7359% | 2,433 |
| Noninterest expense to average assets | 2.2421% | 5,502 |
| Loan and lease loss provision to assets | -0.0325% | 6,518 |
| Net operating income to assets | 1.4140% | 1,072 |
| Return on assets (ROA) | 1.4140% | 1,123 |
| Pretax return on assets | 1.4140% | 1,888 |
| Return on Equity (ROE) | 19.2192% | 358 |
| Retained earnings to average equity (ytd only) | 2.9983% | 4,533 |
| Net charge-offs to loans | -0.0926% | 6,482 |
| Credit loss provision to net charge-offs | 94.7368% | 2,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8762% | 5,156 |
| Assets per employee ($millions) | 4.2802% | 3,270 |
| Cash dividends to net income (ytd only)* | 84.3992% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7795% | 2,370 |
| Loan loss allowance to noncurrent loans | 1,228.2051% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 6,293 |
| Noncurrent loans to loans | 0.1449% | 5,889 |
| Net loans and leases to total assets | 36.3358% | 6,266 |
| Net loans and leases to deposits | 39.3315% | 6,406 |
| Net loans and leases to core deposits | 41.4781% | 6,397 |
| Total domestic deposits to total assets | 92.3835% | 193 |
| Equity capital to assets | 7.4543% | 6,409 |
| Core capital (leverage) ratio | 7.2620% | 6,524 |
| Tier 1 risk-based capital ratio | 17.8090% | 2,399 |
| Total risk-based capital ratio | 19.0634% | 2,362 |
| Memoranda: | ||
| Average total assets | $73,737,250 | 5,434 |
| Average earning assets | $71,125,500 | 5,334 |
| Average equity | $5,425,000 | 6,029 |
| Average total loans | $27,348,750 | 5,931 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1751% | 6,257 |
| Cost of funding earning assets | 0.1988% | 6,478 |
| Net interest margin | 2.9763% | 5,626 |
| Noninterest income to average assets | 0.7291% | 2,509 |
| Noninterest expense to average assets | 2.2117% | 5,602 |
| Loan and lease loss provision to assets | -0.0216% | 6,598 |
| Net operating income to assets | 1.4096% | 1,059 |
| Return on assets (ROA) | 1.4096% | 1,144 |
| Pretax return on assets | 1.4096% | 1,896 |
| Return on Equity (ROE) | 19.2431% | 363 |
| Retained earnings to average equity (ytd only) | 1.0691% | 5,471 |
| Net charge-offs to loans | -0.0655% | 6,358 |
| Credit loss provision to net charge-offs | 88.8889% | 2,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4404% | 5,253 |
| Assets per employee ($millions) | 5.0884% | 2,008 |
| Cash dividends to net income (ytd only)* | 94.4444% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7511% | 2,593 |
| Loan loss allowance to noncurrent loans | 330.3448% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 5,921 |
| Noncurrent loans to loans | 0.5301% | 4,941 |
| Net loans and leases to total assets | 35.2121% | 6,350 |
| Net loans and leases to deposits | 37.9546% | 6,486 |
| Net loans and leases to core deposits | 39.5113% | 6,491 |
| Total domestic deposits to total assets | 92.7744% | 148 |
| Equity capital to assets | 7.0762% | 6,587 |
| Core capital (leverage) ratio | 7.0661% | 6,596 |
| Tier 1 risk-based capital ratio | 17.0081% | 2,713 |
| Total risk-based capital ratio | 18.2625% | 2,681 |
| Memoranda: | ||
| Average total assets | $74,062,000 | 5,462 |
| Average earning assets | $71,431,670 | 5,350 |
| Average equity | $5,425,330 | 6,069 |
| Average total loans | $27,492,330 | 5,959 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2195% | 6,279 |
| Cost of funding earning assets | 0.1987% | 6,579 |
| Net interest margin | 3.0208% | 5,514 |
| Noninterest income to average assets | 0.7953% | 2,144 |
| Noninterest expense to average assets | 2.1829% | 5,739 |
| Loan and lease loss provision to assets | -0.1097% | 6,844 |
| Net operating income to assets | 1.6399% | 661 |
| Return on assets (ROA) | 1.6399% | 723 |
| Pretax return on assets | 1.6399% | 1,217 |
| Return on Equity (ROE) | 21.9954% | 198 |
| Retained earnings to average equity (ytd only) | 1.1034% | 5,413 |
| Net charge-offs to loans | -0.1306% | 6,553 |
| Credit loss provision to net charge-offs | 222.2222% | 1,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7888% | 5,746 |
| Assets per employee ($millions) | 4.6573% | 2,720 |
| Cash dividends to net income (ytd only)* | 94.9833% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 2,988 |
| Loan loss allowance to noncurrent loans | 432.4074% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 6,138 |
| Noncurrent loans to loans | 0.3943% | 5,431 |
| Net loans and leases to total assets | 36.1265% | 6,284 |
| Net loans and leases to deposits | 39.0207% | 6,460 |
| Net loans and leases to core deposits | 40.7249% | 6,454 |
| Total domestic deposits to total assets | 92.5828% | 164 |
| Equity capital to assets | 7.2897% | 6,648 |
| Core capital (leverage) ratio | 7.0940% | 6,616 |
| Tier 1 risk-based capital ratio | 16.9505% | 2,771 |
| Total risk-based capital ratio | 18.2037% | 2,746 |
| Memoranda: | ||
| Average total assets | $72,930,000 | 5,538 |
| Average earning assets | $70,446,000 | 5,426 |
| Average equity | $5,437,500 | 6,129 |
| Average total loans | $27,561,000 | 6,006 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5553% | 6,290 |
| Cost of funding earning assets | 0.2293% | 6,752 |
| Net interest margin | 3.3260% | 5,157 |
| Noninterest income to average assets | 0.7916% | 2,298 |
| Noninterest expense to average assets | 2.4020% | 5,400 |
| Loan and lease loss provision to assets | 0.0645% | 4,955 |
| Net operating income to assets | 1.5287% | 865 |
| Return on assets (ROA) | 1.5674% | 879 |
| Pretax return on assets | 1.5674% | 1,468 |
| Return on Equity (ROE) | 20.5807% | 279 |
| Retained earnings to average equity (ytd only) | 4.4626% | 3,095 |
| Net charge-offs to loans | 0.1253% | 4,430 |
| Credit loss provision to net charge-offs | 132.3529% | 2,117 |
| Earnings coverage of net charge-offs (x) | 32.6765% | 948 |
| Efficiency ratio | 60.1220% | 5,521 |
| Assets per employee ($millions) | 4.1967% | 3,555 |
| Cash dividends to net income (ytd only)* | 78.3166% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 2,844 |
| Loan loss allowance to noncurrent loans | 473.2673% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 6,213 |
| Noncurrent loans to loans | 0.3642% | 5,574 |
| Net loans and leases to total assets | 38.2050% | 6,287 |
| Net loans and leases to deposits | 41.4234% | 6,482 |
| Net loans and leases to core deposits | 43.3235% | 6,491 |
| Total domestic deposits to total assets | 92.2306% | 205 |
| Equity capital to assets | 7.6292% | 6,580 |
| Core capital (leverage) ratio | 7.5420% | 6,480 |
| Tier 1 risk-based capital ratio | 16.7415% | 2,778 |
| Total risk-based capital ratio | 17.9955% | 2,743 |
| Memoranda: | ||
| Average total assets | $69,734,400 | 5,632 |
| Average earning assets | $67,167,000 | 5,513 |
| Average equity | $5,310,800 | 6,204 |
| Average total loans | $27,142,200 | 6,074 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5996% | 6,395 |
| Cost of funding earning assets | 0.2397% | 6,848 |
| Net interest margin | 3.3599% | 5,181 |
| Noninterest income to average assets | 0.7808% | 2,328 |
| Noninterest expense to average assets | 2.3365% | 5,583 |
| Loan and lease loss provision to assets | 0.0192% | 5,560 |
| Net operating income to assets | 1.6596% | 748 |
| Return on assets (ROA) | 1.7115% | 741 |
| Pretax return on assets | 1.7115% | 1,236 |
| Return on Equity (ROE) | 22.4838% | 213 |
| Retained earnings to average equity (ytd only) | 6.1388% | 2,611 |
| Net charge-offs to loans | 0.2223% | 3,389 |
| Credit loss provision to net charge-offs | 22.2222% | 4,921 |
| Earnings coverage of net charge-offs (x) | 19.3995% | 1,500 |
| Efficiency ratio | 58.1897% | 5,762 |
| Assets per employee ($millions) | 4.0006% | 3,867 |
| Cash dividends to net income (ytd only)* | 72.6969% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 3,611 |
| Loan loss allowance to noncurrent loans | 403.7383% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 6,316 |
| Noncurrent loans to loans | 0.3908% | 5,678 |
| Net loans and leases to total assets | 39.6215% | 6,316 |
| Net loans and leases to deposits | 43.1476% | 6,541 |
| Net loans and leases to core deposits | 45.2359% | 6,553 |
| Total domestic deposits to total assets | 91.8278% | 230 |
| Equity capital to assets | 7.9840% | 6,600 |
| Core capital (leverage) ratio | 7.7164% | 6,519 |
| Tier 1 risk-based capital ratio | 16.9336% | 2,769 |
| Total risk-based capital ratio | 18.1847% | 2,727 |
| Memoranda: | ||
| Average total assets | $69,332,000 | 5,709 |
| Average earning assets | $66,746,000 | 5,588 |
| Average equity | $5,277,750 | 6,282 |
| Average total loans | $26,994,000 | 6,167 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5976% | 6,490 |
| Cost of funding earning assets | 0.2464% | 6,924 |
| Net interest margin | 3.3512% | 5,269 |
| Noninterest income to average assets | 0.7137% | 2,588 |
| Noninterest expense to average assets | 2.3018% | 5,731 |
| Loan and lease loss provision to assets | 0.0287% | 5,312 |
| Net operating income to assets | 1.6196% | 811 |
| Return on assets (ROA) | 1.6969% | 761 |
| Pretax return on assets | 1.6969% | 1,263 |
| Return on Equity (ROE) | 22.6516% | 223 |
| Retained earnings to average equity (ytd only) | 4.8976% | 3,335 |
| Net charge-offs to loans | 0.0074% | 5,377 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 575.0000% | 67 |
| Efficiency ratio | 58.2729% | 5,836 |
| Assets per employee ($millions) | 4.0946% | 3,676 |
| Cash dividends to net income (ytd only)* | 78.3784% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7463% | 3,040 |
| Loan loss allowance to noncurrent loans | 560.0000% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 6,484 |
| Noncurrent loans to loans | 0.3118% | 5,926 |
| Net loans and leases to total assets | 38.4740% | 6,442 |
| Net loans and leases to deposits | 41.7072% | 6,667 |
| Net loans and leases to core deposits | 43.6656% | 6,676 |
| Total domestic deposits to total assets | 92.2480% | 193 |
| Equity capital to assets | 7.5896% | 6,763 |
| Core capital (leverage) ratio | 7.2583% | 6,740 |
| Tier 1 risk-based capital ratio | 16.3825% | 2,968 |
| Total risk-based capital ratio | 17.6358% | 2,933 |
| Memoranda: | ||
| Average total assets | $69,772,330 | 5,737 |
| Average earning assets | $67,379,000 | 5,608 |
| Average equity | $5,227,000 | 6,326 |
| Average total loans | $26,865,670 | 6,215 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5261% | 6,663 |
| Cost of funding earning assets | 0.2548% | 6,998 |
| Net interest margin | 3.2713% | 5,567 |
| Noninterest income to average assets | 0.7959% | 2,186 |
| Noninterest expense to average assets | 2.1931% | 6,057 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7637% | 644 |
| Return on assets (ROA) | 1.9183% | 553 |
| Pretax return on assets | 1.9183% | 844 |
| Return on Equity (ROE) | 25.7742% | 169 |
| Retained earnings to average equity (ytd only) | 11.2329% | 977 |
| Net charge-offs to loans | -0.0150% | 6,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4269% | 6,190 |
| Assets per employee ($millions) | 4.3080% | 3,381 |
| Cash dividends to net income (ytd only)* | 56.4179% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 3,256 |
| Loan loss allowance to noncurrent loans | 441.5094% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 6,529 |
| Noncurrent loans to loans | 0.3902% | 5,896 |
| Net loans and leases to total assets | 36.4534% | 6,594 |
| Net loans and leases to deposits | 39.3025% | 6,771 |
| Net loans and leases to core deposits | 41.3062% | 6,777 |
| Total domestic deposits to total assets | 92.7508% | 160 |
| Equity capital to assets | 7.1208% | 6,906 |
| Core capital (leverage) ratio | 7.2521% | 6,743 |
| Tier 1 risk-based capital ratio | 16.1782% | 3,086 |
| Total risk-based capital ratio | 17.4306% | 3,042 |
| Memoranda: | ||
| Average total assets | $69,854,500 | 5,784 |
| Average earning assets | $67,497,000 | 5,641 |
| Average equity | $5,199,000 | 6,366 |
| Average total loans | $26,670,000 | 6,269 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7195% | 6,826 |
| Cost of funding earning assets | 0.4346% | 6,787 |
| Net interest margin | 3.2849% | 5,857 |
| Noninterest income to average assets | 0.7846% | 2,142 |
| Noninterest expense to average assets | 2.5091% | 5,445 |
| Loan and lease loss provision to assets | 0.1585% | 4,648 |
| Net operating income to assets | 1.2799% | 1,295 |
| Return on assets (ROA) | 1.4153% | 1,074 |
| Pretax return on assets | 1.4153% | 1,731 |
| Return on Equity (ROE) | 17.7325% | 403 |
| Retained earnings to average equity (ytd only) | 2.5828% | 4,386 |
| Net charge-offs to loans | 0.0513% | 5,804 |
| Credit loss provision to net charge-offs | 792.3077% | 280 |
| Earnings coverage of net charge-offs (x) | 71.9231% | 417 |
| Efficiency ratio | 63.5620% | 5,204 |
| Assets per employee ($millions) | 4.1546% | 3,540 |
| Cash dividends to net income (ytd only)* | 85.4348% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7841% | 2,918 |
| Loan loss allowance to noncurrent loans | 333.5714% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 6,440 |
| Noncurrent loans to loans | 0.5349% | 5,645 |
| Net loans and leases to total assets | 38.6743% | 6,619 |
| Net loans and leases to deposits | 42.0216% | 6,798 |
| Net loans and leases to core deposits | 44.4299% | 6,796 |
| Total domestic deposits to total assets | 92.0344% | 235 |
| Equity capital to assets | 7.7972% | 6,689 |
| Core capital (leverage) ratio | 7.7502% | 6,493 |
| Tier 1 risk-based capital ratio | 15.3072% | 3,452 |
| Total risk-based capital ratio | 16.5600% | 3,404 |
| Memoranda: | ||
| Average total assets | $65,003,000 | 5,896 |
| Average earning assets | $62,589,600 | 5,787 |
| Average equity | $5,188,200 | 6,394 |
| Average total loans | $25,333,800 | 6,402 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7464% | 6,888 |
| Cost of funding earning assets | 0.4828% | 6,774 |
| Net interest margin | 3.2637% | 5,971 |
| Noninterest income to average assets | 0.7591% | 2,266 |
| Noninterest expense to average assets | 2.5702% | 5,198 |
| Loan and lease loss provision to assets | -0.0908% | 7,353 |
| Net operating income to assets | 1.4171% | 1,123 |
| Return on assets (ROA) | 1.5987% | 848 |
| Pretax return on assets | 1.5987% | 1,389 |
| Return on Equity (ROE) | 19.9116% | 323 |
| Retained earnings to average equity (ytd only) | 5.0614% | 3,135 |
| Net charge-offs to loans | 0.0106% | 6,005 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,836 |
| Earnings coverage of net charge-offs (x) | 321.0899% | 114 |
| Efficiency ratio | 65.9608% | 4,728 |
| Assets per employee ($millions) | 3.7515% | 4,407 |
| Cash dividends to net income (ytd only)* | 74.5807% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 5,070 |
| Loan loss allowance to noncurrent loans | 501.5152% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 6,800 |
| Noncurrent loans to loans | 0.2565% | 6,362 |
| Net loans and leases to total assets | 39.8269% | 6,646 |
| Net loans and leases to deposits | 43.5081% | 6,858 |
| Net loans and leases to core deposits | 46.1231% | 6,843 |
| Total domestic deposits to total assets | 91.5391% | 286 |
| Equity capital to assets | 8.2539% | 6,525 |
| Core capital (leverage) ratio | 7.8252% | 6,542 |
| Tier 1 risk-based capital ratio | 17.7993% | 2,331 |
| Total risk-based capital ratio | 18.9581% | 2,327 |
| Memoranda: | ||
| Average total assets | $64,635,500 | 5,951 |
| Average earning assets | $62,137,250 | 5,835 |
| Average equity | $5,189,500 | 6,443 |
| Average total loans | $25,123,500 | 6,473 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7593% | 6,961 |
| Cost of funding earning assets | 0.5288% | 6,748 |
| Net interest margin | 3.2305% | 6,065 |
| Noninterest income to average assets | 0.7239% | 2,409 |
| Noninterest expense to average assets | 2.4984% | 5,545 |
| Loan and lease loss provision to assets | -0.1355% | 7,435 |
| Net operating income to assets | 1.4664% | 948 |
| Return on assets (ROA) | 1.7375% | 597 |
| Pretax return on assets | 1.7375% | 977 |
| Return on Equity (ROE) | 21.8407% | 242 |
| Retained earnings to average equity (ytd only) | 4.9955% | 3,013 |
| Net charge-offs to loans | 0.0241% | 5,494 |
| Credit loss provision to net charge-offs | -1,466.6667% | 6,645 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 248 |
| Efficiency ratio | 65.2454% | 5,015 |
| Assets per employee ($millions) | 3.7653% | 4,282 |
| Cash dividends to net income (ytd only)* | 77.1277% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 4,940 |
| Loan loss allowance to noncurrent loans | 540.9836% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 6,874 |
| Noncurrent loans to loans | 0.2453% | 6,429 |
| Net loans and leases to total assets | 36.1972% | 6,951 |
| Net loans and leases to deposits | 39.2949% | 7,089 |
| Net loans and leases to core deposits | 41.1414% | 7,098 |
| Total domestic deposits to total assets | 92.1167% | 216 |
| Equity capital to assets | 7.6900% | 6,861 |
| Core capital (leverage) ratio | 7.6089% | 6,658 |
| Tier 1 risk-based capital ratio | 17.9223% | 2,207 |
| Total risk-based capital ratio | 19.1012% | 2,174 |
| Memoranda: | ||
| Average total assets | $64,922,000 | 5,985 |
| Average earning assets | $62,406,000 | 5,878 |
| Average equity | $5,164,670 | 6,477 |
| Average total loans | $24,921,000 | 6,541 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8990% | 6,825 |
| Cost of funding earning assets | 0.5842% | 6,674 |
| Net interest margin | 3.3148% | 5,726 |
| Noninterest income to average assets | 0.7245% | 2,417 |
| Noninterest expense to average assets | 2.6648% | 4,980 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2410% | 1,416 |
| Return on assets (ROA) | 1.2410% | 1,471 |
| Pretax return on assets | 1.2410% | 2,225 |
| Return on Equity (ROE) | 15.3278% | 772 |
| Retained earnings to average equity (ytd only) | -7.3916% | 6,704 |
| Net charge-offs to loans | -0.0321% | 6,732 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2258% | 4,617 |
| Assets per employee ($millions) | 3.5850% | 4,788 |
| Cash dividends to net income (ytd only)* | 148.2234% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 3,930 |
| Loan loss allowance to noncurrent loans | 323.9316% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 6,705 |
| Noncurrent loans to loans | 0.4805% | 6,057 |
| Net loans and leases to total assets | 37.1502% | 6,953 |
| Net loans and leases to deposits | 40.4164% | 7,080 |
| Net loans and leases to core deposits | 42.4158% | 7,095 |
| Total domestic deposits to total assets | 91.9185% | 305 |
| Equity capital to assets | 7.8847% | 6,609 |
| Core capital (leverage) ratio | 7.3911% | 6,798 |
| Tier 1 risk-based capital ratio | 17.0115% | 2,469 |
| Total risk-based capital ratio | 18.2644% | 2,446 |
| Memoranda: | ||
| Average total assets | $63,495,000 | 6,078 |
| Average earning assets | $60,938,000 | 5,967 |
| Average equity | $5,141,000 | 6,508 |
| Average total loans | $24,950,000 | 6,590 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7184% | 5,737 |
| Cost of funding earning assets | 0.6748% | 6,944 |
| Net interest margin | 4.0436% | 2,829 |
| Noninterest income to average assets | 0.9486% | 1,675 |
| Noninterest expense to average assets | 3.1979% | 3,101 |
| Loan and lease loss provision to assets | 0.0837% | 6,312 |
| Net operating income to assets | 1.5383% | 705 |
| Return on assets (ROA) | 1.5383% | 767 |
| Pretax return on assets | 1.5383% | 1,278 |
| Return on Equity (ROE) | 16.9504% | 482 |
| Retained earnings to average equity (ytd only) | 3.5596% | 3,369 |
| Net charge-offs to loans | 0.1149% | 5,727 |
| Credit loss provision to net charge-offs | 175.0000% | 1,909 |
| Earnings coverage of net charge-offs (x) | 33.8929% | 666 |
| Efficiency ratio | 66.3475% | 4,903 |
| Assets per employee ($millions) | 3.4700% | 5,004 |
| Cash dividends to net income (ytd only)* | 79.0000% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 4,147 |
| Loan loss allowance to noncurrent loans | 471.2500% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 6,918 |
| Noncurrent loans to loans | 0.3131% | 6,428 |
| Net loans and leases to total assets | 40.2994% | 6,942 |
| Net loans and leases to deposits | 44.0615% | 7,119 |
| Net loans and leases to core deposits | 46.3273% | 7,130 |
| Total domestic deposits to total assets | 91.4617% | 411 |
| Equity capital to assets | 8.3157% | 6,120 |
| Core capital (leverage) ratio | 7.7949% | 6,443 |
| Tier 1 risk-based capital ratio | 15.9979% | 2,753 |
| Total risk-based capital ratio | 17.2318% | 2,711 |
| Memoranda: | ||
| Average total assets | $58,507,800 | 6,257 |
| Average earning assets | $56,014,400 | 6,131 |
| Average equity | $5,309,600 | 6,563 |
| Average total loans | $24,359,000 | 6,710 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8815% | 5,351 |
| Cost of funding earning assets | 0.6835% | 7,101 |
| Net interest margin | 4.1980% | 2,221 |
| Noninterest income to average assets | 0.8855% | 1,850 |
| Noninterest expense to average assets | 3.2266% | 2,830 |
| Loan and lease loss provision to assets | 0.0788% | 6,257 |
| Net operating income to assets | 1.5948% | 754 |
| Return on assets (ROA) | 1.5948% | 826 |
| Pretax return on assets | 1.5948% | 1,362 |
| Return on Equity (ROE) | 17.1829% | 568 |
| Retained earnings to average equity (ytd only) | 4.7453% | 3,163 |
| Net charge-offs to loans | -0.0111% | 7,279 |
| Credit loss provision to net charge-offs | -1,700.0000% | 7,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8467% | 4,895 |
| Assets per employee ($millions) | 2.7709% | 6,651 |
| Cash dividends to net income (ytd only)* | 72.3834% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 3,610 |
| Loan loss allowance to noncurrent loans | 249.6815% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 6,667 |
| Noncurrent loans to loans | 0.6335% | 5,939 |
| Net loans and leases to total assets | 44.0118% | 6,842 |
| Net loans and leases to deposits | 48.8210% | 7,054 |
| Net loans and leases to core deposits | 50.5335% | 7,104 |
| Total domestic deposits to total assets | 90.1492% | 804 |
| Equity capital to assets | 9.6017% | 4,691 |
| Core capital (leverage) ratio | 8.7243% | 5,144 |
| Tier 1 risk-based capital ratio | 17.2768% | 2,247 |
| Total risk-based capital ratio | 18.5278% | 2,209 |
| Memoranda: | ||
| Average total assets | $57,519,750 | 6,370 |
| Average earning assets | $55,008,750 | 6,236 |
| Average equity | $5,338,500 | 6,635 |
| Average total loans | $24,061,750 | 6,819 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8173% | 5,733 |
| Cost of funding earning assets | 0.7025% | 7,188 |
| Net interest margin | 4.1148% | 2,486 |
| Noninterest income to average assets | 0.8760% | 1,777 |
| Noninterest expense to average assets | 3.1123% | 3,254 |
| Loan and lease loss provision to assets | 0.0653% | 6,299 |
| Net operating income to assets | 1.6420% | 662 |
| Return on assets (ROA) | 1.6420% | 707 |
| Pretax return on assets | 1.6420% | 1,182 |
| Return on Equity (ROE) | 17.8881% | 472 |
| Retained earnings to average equity (ytd only) | 4.0042% | 3,531 |
| Net charge-offs to loans | -0.0588% | 7,471 |
| Credit loss provision to net charge-offs | -271.4286% | 6,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5759% | 5,231 |
| Assets per employee ($millions) | 2.8216% | 6,527 |
| Cash dividends to net income (ytd only)* | 77.6151% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 3,512 |
| Loan loss allowance to noncurrent loans | 171.3004% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 6,453 |
| Noncurrent loans to loans | 0.9261% | 5,434 |
| Net loans and leases to total assets | 41.9946% | 7,043 |
| Net loans and leases to deposits | 46.5095% | 7,227 |
| Net loans and leases to core deposits | 48.1060% | 7,280 |
| Total domestic deposits to total assets | 90.2926% | 771 |
| Equity capital to assets | 9.4647% | 4,761 |
| Core capital (leverage) ratio | 8.4187% | 5,545 |
| Tier 1 risk-based capital ratio | 17.2061% | 2,199 |
| Total risk-based capital ratio | 18.4591% | 2,161 |
| Memoranda: | ||
| Average total assets | $58,220,670 | 6,381 |
| Average earning assets | $55,798,670 | 6,250 |
| Average equity | $5,344,330 | 6,668 |
| Average total loans | $23,821,670 | 6,875 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8306% | 5,762 |
| Cost of funding earning assets | 0.7334% | 7,260 |
| Net interest margin | 4.0972% | 2,452 |
| Noninterest income to average assets | 0.8323% | 1,877 |
| Noninterest expense to average assets | 3.0652% | 3,406 |
| Loan and lease loss provision to assets | 0.1286% | 5,283 |
| Net operating income to assets | 1.5698% | 795 |
| Return on assets (ROA) | 1.5698% | 849 |
| Pretax return on assets | 1.5698% | 1,342 |
| Return on Equity (ROE) | 17.3588% | 575 |
| Retained earnings to average equity (ytd only) | 0.2245% | 5,735 |
| Net charge-offs to loans | -0.1182% | 7,553 |
| Credit loss provision to net charge-offs | -271.4286% | 6,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3466% | 5,426 |
| Assets per employee ($millions) | 2.9830% | 6,249 |
| Cash dividends to net income (ytd only)* | 98.7069% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 3,307 |
| Loan loss allowance to noncurrent loans | 109.1429% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 6,044 |
| Noncurrent loans to loans | 1.4982% | 4,496 |
| Net loans and leases to total assets | 38.5172% | 7,329 |
| Net loans and leases to deposits | 42.3779% | 7,451 |
| Net loans and leases to core deposits | 43.6498% | 7,492 |
| Total domestic deposits to total assets | 90.8899% | 589 |
| Equity capital to assets | 8.8989% | 5,412 |
| Core capital (leverage) ratio | 8.0188% | 6,209 |
| Tier 1 risk-based capital ratio | 17.1367% | 2,226 |
| Total risk-based capital ratio | 18.3902% | 2,175 |
| Memoranda: | ||
| Average total assets | $59,115,500 | 6,425 |
| Average earning assets | $56,722,000 | 6,289 |
| Average equity | $5,346,000 | 6,725 |
| Average total loans | $23,692,500 | 6,962 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2342% | 5,493 |
| Cost of funding earning assets | 1.1577% | 6,800 |
| Net interest margin | 4.0764% | 2,544 |
| Noninterest income to average assets | 0.9532% | 1,736 |
| Noninterest expense to average assets | 3.1980% | 3,386 |
| Loan and lease loss provision to assets | 0.0550% | 7,017 |
| Net operating income to assets | 1.5647% | 593 |
| Return on assets (ROA) | 1.5647% | 635 |
| Pretax return on assets | 1.5647% | 1,040 |
| Return on Equity (ROE) | 17.3511% | 422 |
| Retained earnings to average equity (ytd only) | 3.7902% | 2,546 |
| Net charge-offs to loans | 0.0650% | 6,459 |
| Credit loss provision to net charge-offs | 228.5714% | 1,615 |
| Earnings coverage of net charge-offs (x) | 67.3571% | 403 |
| Efficiency ratio | 66.3815% | 5,316 |
| Assets per employee ($millions) | 2.9286% | 6,392 |
| Cash dividends to net income (ytd only)* | 78.1559% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 3,823 |
| Loan loss allowance to noncurrent loans | 127.5986% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 6,259 |
| Noncurrent loans to loans | 1.1613% | 5,005 |
| Net loans and leases to total assets | 40.4084% | 7,330 |
| Net loans and leases to deposits | 44.6364% | 7,488 |
| Net loans and leases to core deposits | 55.1663% | 7,434 |
| Total domestic deposits to total assets | 90.5279% | 733 |
| Equity capital to assets | 9.1904% | 4,858 |
| Core capital (leverage) ratio | 7.9734% | 6,234 |
| Tier 1 risk-based capital ratio | 16.6501% | 2,258 |
| Total risk-based capital ratio | 17.8971% | 2,212 |
| Memoranda: | ||
| Average total assets | $58,223,000 | 6,422 |
| Average earning assets | $55,195,200 | 6,327 |
| Average equity | $5,250,400 | 6,852 |
| Average total loans | $21,534,800 | 7,114 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3232% | 5,309 |
| Cost of funding earning assets | 1.2447% | 6,744 |
| Net interest margin | 4.0785% | 2,484 |
| Noninterest income to average assets | 0.9518% | 1,774 |
| Noninterest expense to average assets | 3.1489% | 3,466 |
| Loan and lease loss provision to assets | 0.0642% | 6,716 |
| Net operating income to assets | 1.5939% | 670 |
| Return on assets (ROA) | 1.5939% | 722 |
| Pretax return on assets | 1.5939% | 1,189 |
| Return on Equity (ROE) | 17.7611% | 481 |
| Retained earnings to average equity (ytd only) | 3.9356% | 3,079 |
| Net charge-offs to loans | 0.0637% | 6,060 |
| Credit loss provision to net charge-offs | 280.0000% | 1,504 |
| Earnings coverage of net charge-offs (x) | 72.3166% | 462 |
| Efficiency ratio | 65.5057% | 5,455 |
| Assets per employee ($millions) | 2.7459% | 6,745 |
| Cash dividends to net income (ytd only)* | 77.8425% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 3,155 |
| Loan loss allowance to noncurrent loans | 154.1126% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 6,401 |
| Noncurrent loans to loans | 1.0133% | 5,280 |
| Net loans and leases to total assets | 40.8635% | 7,415 |
| Net loans and leases to deposits | 45.5036% | 7,584 |
| Net loans and leases to core deposits | 58.7938% | 7,440 |
| Total domestic deposits to total assets | 89.8028% | 845 |
| Equity capital to assets | 9.8585% | 4,263 |
| Core capital (leverage) ratio | 7.9472% | 6,448 |
| Tier 1 risk-based capital ratio | 17.1108% | 2,244 |
| Total risk-based capital ratio | 18.3606% | 2,190 |
| Memoranda: | ||
| Average total assets | $58,135,750 | 6,463 |
| Average earning assets | $54,953,000 | 6,381 |
| Average equity | $5,217,250 | 6,931 |
| Average total loans | $20,912,500 | 7,206 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3203% | 5,551 |
| Cost of funding earning assets | 1.3059% | 6,784 |
| Net interest margin | 4.0144% | 2,640 |
| Noninterest income to average assets | 0.9222% | 1,883 |
| Noninterest expense to average assets | 3.0469% | 3,886 |
| Loan and lease loss provision to assets | 0.0946% | 6,219 |
| Net operating income to assets | 1.5707% | 728 |
| Return on assets (ROA) | 1.5707% | 784 |
| Pretax return on assets | 1.5707% | 1,275 |
| Return on Equity (ROE) | 18.0524% | 492 |
| Retained earnings to average equity (ytd only) | 5.1634% | 2,419 |
| Net charge-offs to loans | 0.0789% | 5,414 |
| Credit loss provision to net charge-offs | 350.0000% | 1,323 |
| Earnings coverage of net charge-offs (x) | 61.6250% | 583 |
| Efficiency ratio | 64.6595% | 5,781 |
| Assets per employee ($millions) | 3.0113% | 6,097 |
| Cash dividends to net income (ytd only)* | 71.3978% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 2,526 |
| Loan loss allowance to noncurrent loans | 214.3713% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 6,742 |
| Noncurrent loans to loans | 0.7694% | 5,696 |
| Net loans and leases to total assets | 37.3119% | 7,665 |
| Net loans and leases to deposits | 41.3073% | 7,780 |
| Net loans and leases to core deposits | 52.8848% | 7,687 |
| Total domestic deposits to total assets | 90.3277% | 695 |
| Equity capital to assets | 9.3437% | 4,810 |
| Core capital (leverage) ratio | 7.8496% | 6,551 |
| Tier 1 risk-based capital ratio | 17.7598% | 2,077 |
| Total risk-based capital ratio | 19.0095% | 2,028 |
| Memoranda: | ||
| Average total assets | $59,208,670 | 6,472 |
| Average earning assets | $55,899,000 | 6,394 |
| Average equity | $5,151,670 | 7,012 |
| Average total loans | $20,284,330 | 7,307 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 5,462 |
| Cost of funding earning assets | 1.3165% | 6,973 |
| Net interest margin | 4.0768% | 2,372 |
| Noninterest income to average assets | 0.8571% | 2,046 |
| Noninterest expense to average assets | 2.8702% | 4,261 |
| Loan and lease loss provision to assets | 0.1860% | 4,582 |
| Net operating income to assets | 1.6278% | 749 |
| Return on assets (ROA) | 1.6278% | 820 |
| Pretax return on assets | 1.6278% | 1,339 |
| Return on Equity (ROE) | 19.3887% | 470 |
| Retained earnings to average equity (ytd only) | 8.0720% | 1,785 |
| Net charge-offs to loans | 0.1226% | 3,995 |
| Credit loss provision to net charge-offs | 466.6667% | 1,137 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 773 |
| Efficiency ratio | 61.2766% | 6,202 |
| Assets per employee ($millions) | 3.3150% | 5,288 |
| Cash dividends to net income (ytd only)* | 58.3673% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 1,834 |
| Loan loss allowance to noncurrent loans | 155.8442% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 6,408 |
| Noncurrent loans to loans | 1.1593% | 4,667 |
| Net loans and leases to total assets | 31.0645% | 7,892 |
| Net loans and leases to deposits | 33.9522% | 7,983 |
| Net loans and leases to core deposits | 41.9062% | 7,946 |
| Total domestic deposits to total assets | 91.4948% | 279 |
| Equity capital to assets | 8.2575% | 6,451 |
| Core capital (leverage) ratio | 7.5336% | 7,115 |
| Tier 1 risk-based capital ratio | 18.2203% | 1,997 |
| Total risk-based capital ratio | 19.4712% | 1,950 |
| Memoranda: | ||
| Average total assets | $60,205,500 | 6,467 |
| Average earning assets | $56,515,000 | 6,399 |
| Average equity | $5,054,500 | 7,092 |
| Average total loans | $19,573,500 | 7,399 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7941% | 6,453 |
| Cost of funding earning assets | 1.7189% | 7,217 |
| Net interest margin | 4.0752% | 2,813 |
| Noninterest income to average assets | 0.9595% | 1,728 |
| Noninterest expense to average assets | 3.1212% | 3,611 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6690% | 718 |
| Return on assets (ROA) | 1.6690% | 687 |
| Pretax return on assets | 1.6690% | 1,218 |
| Return on Equity (ROE) | 19.1934% | 438 |
| Retained earnings to average equity (ytd only) | 2.2829% | 3,787 |
| Net charge-offs to loans | 0.0562% | 5,973 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 90.8000% | 464 |
| Efficiency ratio | 65.1573% | 5,289 |
| Assets per employee ($millions) | 3.0224% | 6,009 |
| Cash dividends to net income (ytd only)* | 88.1057% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 1,742 |
| Loan loss allowance to noncurrent loans | 150.2222% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3918% | 6,061 |
| Noncurrent loans to loans | 1.1706% | 4,181 |
| Net loans and leases to total assets | 32.8823% | 7,918 |
| Net loans and leases to deposits | 36.1072% | 8,025 |
| Net loans and leases to core deposits | 43.9907% | 7,998 |
| Total domestic deposits to total assets | 91.0685% | 309 |
| Equity capital to assets | 8.5467% | 6,018 |
| Core capital (leverage) ratio | 8.2136% | 6,142 |
| Tier 1 risk-based capital ratio | 16.9249% | 2,335 |
| Total risk-based capital ratio | 18.1736% | 2,282 |
| Memoranda: | ||
| Average total assets | $54,402,800 | 6,607 |
| Average earning assets | $51,138,600 | 6,548 |
| Average equity | $4,730,800 | 7,238 |
| Average total loans | $17,789,600 | 7,472 |