Home > Frost State Bank > Performance and Condition Ratios
Frost State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5646% | 328 |
| Cost of funding earning assets | 2.1368% | 720 |
| Net interest margin | 4.4278% | 683 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.5784% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.0316% | 449 |
| Return on assets (ROA) | 2.0316% | 432 |
| Pretax return on assets | 2.8277% | 244 |
| Return on Equity (ROE) | 12.9600% | 1,738 |
| Retained earnings to average equity (ytd only) | 6.6749% | 1,998 |
| Net charge-offs to loans | -0.0614% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 35.8229% | 4,440 |
| Assets per employee ($millions) | 7.3850% | 1,819 |
| Cash dividends to net income (ytd only)* | 48.4966% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 2,545 |
| Loan loss allowance to noncurrent loans | 355.3957% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 1,883 |
| Noncurrent loans to loans | 0.3237% | 2,023 |
| Net loans and leases to total assets | 82.1200% | 422 |
| Net loans and leases to deposits | 103.4836% | 391 |
| Net loans and leases to core deposits | 133.8610% | 348 |
| Total domestic deposits to total assets | 79.3500% | 3,558 |
| Equity capital to assets | 15.6398% | 495 |
| Core capital (leverage) ratio | 16.1944% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8356% | 811 |
| Memoranda: | ||
| Average total assets | $50,748,800 | 4,316 |
| Average earning assets | $47,360,200 | 4,278 |
| Average equity | $7,955,200 | 3,929 |
| Average total loans | $40,746,200 | 3,983 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4751% | 311 |
| Cost of funding earning assets | 2.0047% | 702 |
| Net interest margin | 4.4704% | 646 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.4544% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.1248% | 422 |
| Return on assets (ROA) | 2.1248% | 415 |
| Pretax return on assets | 2.9801% | 241 |
| Return on Equity (ROE) | 13.5500% | 1,780 |
| Retained earnings to average equity (ytd only) | 13.5471% | 736 |
| Net charge-offs to loans | -0.0962% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 32.7976% | 4,492 |
| Assets per employee ($millions) | 7.0801% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,343 |
| Loan loss allowance to noncurrent loans | 338.7755% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 1,824 |
| Noncurrent loans to loans | 0.3550% | 1,953 |
| Net loans and leases to total assets | 82.5400% | 396 |
| Net loans and leases to deposits | 101.1597% | 466 |
| Net loans and leases to core deposits | 132.7342% | 312 |
| Total domestic deposits to total assets | 81.6000% | 3,297 |
| Equity capital to assets | 16.8499% | 404 |
| Core capital (leverage) ratio | 16.8327% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9572% | 703 |
| Memoranda: | ||
| Average total assets | $50,512,250 | 4,333 |
| Average earning assets | $47,153,750 | 4,296 |
| Average equity | $7,922,750 | 3,941 |
| Average total loans | $40,196,750 | 3,998 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1704% | 363 |
| Cost of funding earning assets | 1.8541% | 672 |
| Net interest margin | 4.3163% | 788 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.4519% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0028% | 464 |
| Return on assets (ROA) | 2.0028% | 462 |
| Pretax return on assets | 2.8094% | 245 |
| Return on Equity (ROE) | 13.0800% | 1,884 |
| Retained earnings to average equity (ytd only) | 13.0848% | 796 |
| Net charge-offs to loans | -0.1407% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 34.0720% | 4,505 |
| Assets per employee ($millions) | 7.0361% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,269 |
| Loan loss allowance to noncurrent loans | 324.8366% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 1,676 |
| Noncurrent loans to loans | 0.3795% | 1,787 |
| Net loans and leases to total assets | 80.8500% | 539 |
| Net loans and leases to deposits | 97.7899% | 624 |
| Net loans and leases to core deposits | 131.3911% | 311 |
| Total domestic deposits to total assets | 82.6800% | 3,108 |
| Equity capital to assets | 16.3381% | 416 |
| Core capital (leverage) ratio | 16.3582% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7656% | 740 |
| Memoranda: | ||
| Average total assets | $50,829,333 | 4,350 |
| Average earning assets | $47,355,333 | 4,318 |
| Average equity | $7,780,000 | 3,975 |
| Average total loans | $39,793,000 | 4,017 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9261% | 341 |
| Cost of funding earning assets | 1.6884% | 591 |
| Net interest margin | 4.2378% | 890 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.4181% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8908% | 585 |
| Return on assets (ROA) | 1.8908% | 577 |
| Pretax return on assets | 2.6580% | 301 |
| Return on Equity (ROE) | 12.7600% | 2,032 |
| Retained earnings to average equity (ytd only) | 12.7640% | 1,129 |
| Net charge-offs to loans | -0.2732% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 34.7909% | 4,560 |
| Assets per employee ($millions) | 7.2799% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 2,105 |
| Loan loss allowance to noncurrent loans | 120.9756% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 590 |
| Noncurrent loans to loans | 1.0628% | 680 |
| Net loans and leases to total assets | 74.7300% | 1,112 |
| Net loans and leases to deposits | 89.2412% | 1,113 |
| Net loans and leases to core deposits | 112.2572% | 634 |
| Total domestic deposits to total assets | 83.7400% | 3,142 |
| Equity capital to assets | 15.2574% | 458 |
| Core capital (leverage) ratio | 15.1995% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4049% | 795 |
| Memoranda: | ||
| Average total assets | $51,617,500 | 4,397 |
| Average earning assets | $47,383,500 | 4,379 |
| Average equity | $7,646,500 | 4,041 |
| Average total loans | $39,530,000 | 4,075 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8405% | 401 |
| Cost of funding earning assets | 0.8566% | 314 |
| Net interest margin | 3.9839% | 810 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.5492% | 4,371 |
| Loan and lease loss provision to assets | -0.6100% | 4,700 |
| Net operating income to assets | 2.2639% | 192 |
| Return on assets (ROA) | 2.2639% | 184 |
| Pretax return on assets | 3.1532% | 120 |
| Return on Equity (ROE) | 15.5600% | 1,131 |
| Retained earnings to average equity (ytd only) | 8.5798% | 1,615 |
| Net charge-offs to loans | -0.3096% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 37.8472% | 4,580 |
| Assets per employee ($millions) | 7.4680% | 1,638 |
| Cash dividends to net income (ytd only)* | 44.8430% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 2,595 |
| Loan loss allowance to noncurrent loans | 102.8509% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 521 |
| Noncurrent loans to loans | 1.1264% | 639 |
| Net loans and leases to total assets | 76.5400% | 956 |
| Net loans and leases to deposits | 90.1155% | 1,046 |
| Net loans and leases to core deposits | 111.0482% | 576 |
| Total domestic deposits to total assets | 84.9400% | 3,006 |
| Equity capital to assets | 14.3814% | 535 |
| Core capital (leverage) ratio | 15.2501% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3455% | 920 |
| Memoranda: | ||
| Average total assets | $49,251,400 | 4,446 |
| Average earning assets | $46,813,200 | 4,409 |
| Average equity | $7,168,000 | 4,188 |
| Average total loans | $38,753,800 | 4,085 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 440 |
| Cost of funding earning assets | 0.7649% | 184 |
| Net interest margin | 3.8160% | 929 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.4572% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7981% | 435 |
| Return on assets (ROA) | 1.7981% | 426 |
| Pretax return on assets | 2.5211% | 211 |
| Return on Equity (ROE) | 12.3200% | 1,932 |
| Retained earnings to average equity (ytd only) | 2.8999% | 3,797 |
| Net charge-offs to loans | -0.3236% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 36.6275% | 4,636 |
| Assets per employee ($millions) | 8.0492% | 1,296 |
| Cash dividends to net income (ytd only)* | 76.4526% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 596 |
| Loan loss allowance to noncurrent loans | 162.7193% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 483 |
| Noncurrent loans to loans | 1.1713% | 629 |
| Net loans and leases to total assets | 79.0800% | 611 |
| Net loans and leases to deposits | 94.3196% | 621 |
| Net loans and leases to core deposits | 113.4177% | 379 |
| Total domestic deposits to total assets | 83.8400% | 3,536 |
| Equity capital to assets | 14.5791% | 494 |
| Core capital (leverage) ratio | 14.5432% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8256% | 881 |
| Memoranda: | ||
| Average total assets | $48,495,250 | 4,489 |
| Average earning assets | $46,365,500 | 4,447 |
| Average equity | $7,080,500 | 4,245 |
| Average total loans | $38,321,500 | 4,121 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2246% | 601 |
| Cost of funding earning assets | 0.6926% | 164 |
| Net interest margin | 3.5320% | 1,225 |
| Noninterest income to average assets | 0.2430% | 3,714 |
| Noninterest expense to average assets | 1.5032% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5115% | 690 |
| Return on assets (ROA) | 1.5115% | 666 |
| Pretax return on assets | 2.1210% | 278 |
| Return on Equity (ROE) | 10.3473% | 2,204 |
| Retained earnings to average equity (ytd only) | 10.3473% | 937 |
| Net charge-offs to loans | -0.4827% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4773% | 4,583 |
| Assets per employee ($millions) | 8.0118% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9030% | 657 |
| Loan loss allowance to noncurrent loans | 162.8571% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.9465% | 513 |
| Noncurrent loans to loans | 1.1685% | 688 |
| Net loans and leases to total assets | 79.4616% | 444 |
| Net loans and leases to deposits | 94.0258% | 517 |
| Net loans and leases to core deposits | 109.7801% | 354 |
| Total domestic deposits to total assets | 84.5104% | 3,588 |
| Equity capital to assets | 15.1172% | 390 |
| Core capital (leverage) ratio | 15.3237% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8606% | 740 |
| Memoranda: | ||
| Average total assets | $48,562,000 | 4,530 |
| Average earning assets | $46,489,667 | 4,504 |
| Average equity | $7,093,667 | 4,308 |
| Average total loans | $38,118,000 | 4,175 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 703 |
| Cost of funding earning assets | 0.6516% | 198 |
| Net interest margin | 3.3952% | 1,307 |
| Noninterest income to average assets | 0.2295% | 3,777 |
| Noninterest expense to average assets | 1.5326% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3850% | 829 |
| Return on assets (ROA) | 1.3850% | 823 |
| Pretax return on assets | 1.9423% | 409 |
| Return on Equity (ROE) | 9.6475% | 2,102 |
| Retained earnings to average equity (ytd only) | 9.6475% | 1,110 |
| Net charge-offs to loans | -0.9653% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1038% | 4,548 |
| Assets per employee ($millions) | 8.2613% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9918% | 625 |
| Loan loss allowance to noncurrent loans | 151.3292% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.9865% | 519 |
| Noncurrent loans to loans | 1.3162% | 665 |
| Net loans and leases to total assets | 73.4607% | 701 |
| Net loans and leases to deposits | 86.1520% | 730 |
| Net loans and leases to core deposits | 98.0663% | 574 |
| Total domestic deposits to total assets | 85.2687% | 3,477 |
| Equity capital to assets | 14.2733% | 482 |
| Core capital (leverage) ratio | 14.6752% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6780% | 802 |
| Memoranda: | ||
| Average total assets | $48,807,500 | 4,550 |
| Average earning assets | $46,654,000 | 4,524 |
| Average equity | $7,007,000 | 4,360 |
| Average total loans | $37,707,500 | 4,197 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8170% | 348 |
| Cost of funding earning assets | 0.9301% | 97 |
| Net interest margin | 3.8869% | 862 |
| Noninterest income to average assets | 0.2114% | 4,105 |
| Noninterest expense to average assets | 1.6074% | 4,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5376% | 940 |
| Return on assets (ROA) | 1.5376% | 981 |
| Pretax return on assets | 2.1459% | 461 |
| Return on Equity (ROE) | 11.0152% | 2,161 |
| Retained earnings to average equity (ytd only) | 3.8718% | 3,271 |
| Net charge-offs to loans | 0.1762% | 549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 16.3030% | 1,981 |
| Efficiency ratio | 42.8268% | 4,612 |
| Assets per employee ($millions) | 8.0078% | 1,329 |
| Cash dividends to net income (ytd only)* | 64.8508% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 1,051 |
| Loan loss allowance to noncurrent loans | 113.8596% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.1863% | 418 |
| Noncurrent loans to loans | 1.4897% | 611 |
| Net loans and leases to total assets | 78.2838% | 367 |
| Net loans and leases to deposits | 91.9881% | 475 |
| Net loans and leases to core deposits | 105.4590% | 384 |
| Total domestic deposits to total assets | 85.1021% | 3,240 |
| Equity capital to assets | 14.4421% | 588 |
| Core capital (leverage) ratio | 14.4762% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3333% | 849 |
| Memoranda: | ||
| Average total assets | $50,142,800 | 4,559 |
| Average earning assets | $45,692,200 | 4,552 |
| Average equity | $6,999,400 | 4,420 |
| Average total loans | $37,462,000 | 4,239 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0221% | 290 |
| Cost of funding earning assets | 0.9951% | 87 |
| Net interest margin | 4.0270% | 751 |
| Noninterest income to average assets | 0.1974% | 4,211 |
| Noninterest expense to average assets | 1.4631% | 4,631 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6868% | 852 |
| Return on assets (ROA) | 1.6868% | 896 |
| Pretax return on assets | 2.3657% | 413 |
| Return on Equity (ROE) | 12.1840% | 1,989 |
| Retained earnings to average equity (ytd only) | 12.1840% | 801 |
| Net charge-offs to loans | 0.4473% | 171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 7.1920% | 2,151 |
| Efficiency ratio | 38.2131% | 4,762 |
| Assets per employee ($millions) | 6.8567% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 1,420 |
| Loan loss allowance to noncurrent loans | 107.2727% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1459% | 532 |
| Noncurrent loans to loans | 1.4617% | 724 |
| Net loans and leases to total assets | 77.1652% | 462 |
| Net loans and leases to deposits | 91.6689% | 513 |
| Net loans and leases to core deposits | 105.8866% | 411 |
| Total domestic deposits to total assets | 84.1782% | 3,411 |
| Equity capital to assets | 15.2405% | 505 |
| Core capital (leverage) ratio | 15.1432% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8099% | 713 |
| Memoranda: | ||
| Average total assets | $50,666,750 | 4,616 |
| Average earning assets | $45,690,250 | 4,615 |
| Average equity | $7,014,500 | 4,483 |
| Average total loans | $37,262,000 | 4,301 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1551% | 1,257 |
| Cost of funding earning assets | 1.0727% | 76 |
| Net interest margin | 3.0824% | 3,081 |
| Noninterest income to average assets | 1.2724% | 720 |
| Noninterest expense to average assets | 1.4819% | 4,639 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8000% | 718 |
| Return on assets (ROA) | 1.8000% | 751 |
| Pretax return on assets | 2.5215% | 346 |
| Return on Equity (ROE) | 13.4214% | 1,590 |
| Retained earnings to average equity (ytd only) | 13.4214% | 650 |
| Net charge-offs to loans | 0.6785% | 118 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 5.1587% | 2,009 |
| Efficiency ratio | 37.0155% | 4,817 |
| Assets per employee ($millions) | 7.0936% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 1,341 |
| Loan loss allowance to noncurrent loans | 105.3667% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.1258% | 632 |
| Noncurrent loans to loans | 1.4955% | 759 |
| Net loans and leases to total assets | 74.0912% | 741 |
| Net loans and leases to deposits | 87.0728% | 843 |
| Net loans and leases to core deposits | 102.9984% | 563 |
| Total domestic deposits to total assets | 85.0911% | 3,052 |
| Equity capital to assets | 14.3732% | 645 |
| Core capital (leverage) ratio | 14.2769% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6701% | 738 |
| Memoranda: | ||
| Average total assets | $51,556,667 | 4,640 |
| Average earning assets | $45,678,667 | 4,644 |
| Average equity | $6,914,333 | 4,517 |
| Average total loans | $37,140,333 | 4,332 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1125% | 1,356 |
| Cost of funding earning assets | 1.1042% | 84 |
| Net interest margin | 3.0083% | 3,238 |
| Noninterest income to average assets | 1.4626% | 630 |
| Noninterest expense to average assets | 1.5236% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8359% | 739 |
| Return on assets (ROA) | 1.8359% | 793 |
| Pretax return on assets | 2.5749% | 384 |
| Return on Equity (ROE) | 14.1702% | 1,400 |
| Retained earnings to average equity (ytd only) | 14.1702% | 738 |
| Net charge-offs to loans | -0.0108% | 3,700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1747% | 4,828 |
| Assets per employee ($millions) | 7.5190% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 720 |
| Loan loss allowance to noncurrent loans | 92.1493% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4763% | 435 |
| Noncurrent loans to loans | 2.0790% | 502 |
| Net loans and leases to total assets | 69.6464% | 1,338 |
| Net loans and leases to deposits | 80.7903% | 1,444 |
| Net loans and leases to core deposits | 98.1236% | 803 |
| Total domestic deposits to total assets | 86.2064% | 2,667 |
| Equity capital to assets | 13.1400% | 874 |
| Core capital (leverage) ratio | 13.4626% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9789% | 793 |
| Memoranda: | ||
| Average total assets | $52,507,500 | 4,646 |
| Average earning assets | $46,006,000 | 4,658 |
| Average equity | $6,803,000 | 4,544 |
| Average total loans | $37,021,000 | 4,352 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 629 |
| Cost of funding earning assets | 1.6847% | 36 |
| Net interest margin | 3.1913% | 3,384 |
| Noninterest income to average assets | 0.3645% | 3,289 |
| Noninterest expense to average assets | 1.3651% | 4,854 |
| Loan and lease loss provision to assets | 0.7594% | 181 |
| Net operating income to assets | 0.8069% | 3,065 |
| Return on assets (ROA) | 0.8069% | 3,181 |
| Pretax return on assets | 1.1316% | 2,579 |
| Return on Equity (ROE) | 6.2991% | 3,486 |
| Retained earnings to average equity (ytd only) | -2.5937% | 4,742 |
| Net charge-offs to loans | 1.1339% | 112 |
| Credit loss provision to net charge-offs | 85.8369% | 2,957 |
| Earnings coverage of net charge-offs (x) | 2.1373% | 3,197 |
| Efficiency ratio | 41.9242% | 4,837 |
| Assets per employee ($millions) | 8.7303% | 819 |
| Cash dividends to net income (ytd only)* | 141.1765% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9499% | 645 |
| Loan loss allowance to noncurrent loans | 82.4683% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.6551% | 408 |
| Noncurrent loans to loans | 2.3644% | 442 |
| Net loans and leases to total assets | 68.6381% | 1,747 |
| Net loans and leases to deposits | 79.1206% | 1,967 |
| Net loans and leases to core deposits | 100.7736% | 871 |
| Total domestic deposits to total assets | 86.7512% | 2,056 |
| Equity capital to assets | 12.7716% | 1,193 |
| Core capital (leverage) ratio | 12.9072% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9663% | 907 |
| Memoranda: | ||
| Average total assets | $52,670,200 | 4,618 |
| Average earning assets | $47,723,400 | 4,621 |
| Average equity | $6,747,000 | 4,553 |
| Average total loans | $41,097,000 | 4,287 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9976% | 608 |
| Cost of funding earning assets | 1.7634% | 39 |
| Net interest margin | 3.2342% | 3,382 |
| Noninterest income to average assets | 0.4121% | 3,018 |
| Noninterest expense to average assets | 1.3196% | 4,902 |
| Loan and lease loss provision to assets | 1.0106% | 134 |
| Net operating income to assets | 0.7457% | 3,299 |
| Return on assets (ROA) | 0.7457% | 3,403 |
| Pretax return on assets | 1.0440% | 2,924 |
| Return on Equity (ROE) | 5.8173% | 3,616 |
| Retained earnings to average equity (ytd only) | -0.0986% | 4,491 |
| Net charge-offs to loans | 1.4753% | 81 |
| Credit loss provision to net charge-offs | 85.6531% | 2,724 |
| Earnings coverage of net charge-offs (x) | 1.7409% | 3,049 |
| Efficiency ratio | 39.1011% | 4,913 |
| Assets per employee ($millions) | 8.6560% | 787 |
| Cash dividends to net income (ytd only)* | 101.6949% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 805 |
| Loan loss allowance to noncurrent loans | 71.9033% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.9120% | 365 |
| Noncurrent loans to loans | 2.4340% | 436 |
| Net loans and leases to total assets | 77.1777% | 936 |
| Net loans and leases to deposits | 89.6210% | 1,307 |
| Net loans and leases to core deposits | 112.7193% | 605 |
| Total domestic deposits to total assets | 86.1156% | 2,017 |
| Equity capital to assets | 13.2086% | 1,104 |
| Core capital (leverage) ratio | 13.2378% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1210% | 1,036 |
| Memoranda: | ||
| Average total assets | $52,742,250 | 4,635 |
| Average earning assets | $48,315,500 | 4,633 |
| Average equity | $6,761,250 | 4,575 |
| Average total loans | $42,204,000 | 4,298 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 637 |
| Cost of funding earning assets | 1.8763% | 34 |
| Net interest margin | 3.2638% | 3,479 |
| Noninterest income to average assets | 0.5471% | 2,363 |
| Noninterest expense to average assets | 1.3243% | 4,938 |
| Loan and lease loss provision to assets | 1.5091% | 82 |
| Net operating income to assets | 0.4905% | 4,044 |
| Return on assets (ROA) | 0.4905% | 4,117 |
| Pretax return on assets | 0.6866% | 3,898 |
| Return on Equity (ROE) | 3.8643% | 4,145 |
| Retained earnings to average equity (ytd only) | -5.0533% | 4,770 |
| Net charge-offs to loans | 2.1934% | 57 |
| Credit loss provision to net charge-offs | 85.4701% | 2,484 |
| Earnings coverage of net charge-offs (x) | 1.2436% | 2,868 |
| Efficiency ratio | 37.6206% | 4,960 |
| Assets per employee ($millions) | 8.5372% | 800 |
| Cash dividends to net income (ytd only)* | 230.7692% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 922 |
| Loan loss allowance to noncurrent loans | 68.8224% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 2.0225% | 347 |
| Noncurrent loans to loans | 2.3814% | 511 |
| Net loans and leases to total assets | 83.5386% | 289 |
| Net loans and leases to deposits | 96.8276% | 736 |
| Net loans and leases to core deposits | 119.5780% | 433 |
| Total domestic deposits to total assets | 86.2757% | 1,898 |
| Equity capital to assets | 13.0742% | 1,137 |
| Core capital (leverage) ratio | 12.6675% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5324% | 1,358 |
| Memoranda: | ||
| Average total assets | $53,011,000 | 4,647 |
| Average earning assets | $48,286,667 | 4,649 |
| Average equity | $6,728,333 | 4,602 |
| Average total loans | $42,673,000 | 4,299 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4015% | 461 |
| Cost of funding earning assets | 1.9439% | 43 |
| Net interest margin | 3.4577% | 3,134 |
| Noninterest income to average assets | 0.2820% | 3,840 |
| Noninterest expense to average assets | 1.2837% | 5,008 |
| Loan and lease loss provision to assets | 1.4841% | 102 |
| Net operating income to assets | 0.4378% | 4,051 |
| Return on assets (ROA) | 0.4378% | 4,097 |
| Pretax return on assets | 0.6159% | 3,895 |
| Return on Equity (ROE) | 3.4994% | 4,094 |
| Retained earnings to average equity (ytd only) | -14.2942% | 4,880 |
| Net charge-offs to loans | 4.4489% | 27 |
| Credit loss provision to net charge-offs | 42.5532% | 2,089 |
| Earnings coverage of net charge-offs (x) | 0.6021% | 2,455 |
| Efficiency ratio | 37.9386% | 5,010 |
| Assets per employee ($millions) | 8.9357% | 539 |
| Cash dividends to net income (ytd only)* | 508.4746% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,461 |
| Loan loss allowance to noncurrent loans | 56.0922% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.8018% | 506 |
| Noncurrent loans to loans | 2.2075% | 608 |
| Net loans and leases to total assets | 76.0193% | 1,304 |
| Net loans and leases to deposits | 87.1509% | 1,847 |
| Net loans and leases to core deposits | 105.8706% | 1,069 |
| Total domestic deposits to total assets | 87.2272% | 1,456 |
| Equity capital to assets | 12.3550% | 1,828 |
| Core capital (leverage) ratio | 12.3244% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3601% | 1,514 |
| Memoranda: | ||
| Average total assets | $53,905,000 | 4,646 |
| Average earning assets | $48,356,500 | 4,670 |
| Average equity | $6,744,000 | 4,631 |
| Average total loans | $42,257,500 | 4,324 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5859% | 488 |
| Cost of funding earning assets | 1.8809% | 106 |
| Net interest margin | 3.7050% | 2,801 |
| Noninterest income to average assets | 0.3050% | 3,863 |
| Noninterest expense to average assets | 1.3876% | 5,046 |
| Loan and lease loss provision to assets | 0.7624% | 138 |
| Net operating income to assets | 1.1723% | 2,168 |
| Return on assets (ROA) | 1.1723% | 2,263 |
| Pretax return on assets | 1.6354% | 1,387 |
| Return on Equity (ROE) | 9.2985% | 2,610 |
| Retained earnings to average equity (ytd only) | 5.5186% | 2,151 |
| Net charge-offs to loans | 0.8044% | 211 |
| Credit loss provision to net charge-offs | 113.9601% | 2,208 |
| Earnings coverage of net charge-offs (x) | 3.5840% | 3,305 |
| Efficiency ratio | 36.6566% | 5,102 |
| Assets per employee ($millions) | 9.0327% | 500 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8059% | 649 |
| Loan loss allowance to noncurrent loans | 60.6366% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 4.0224% | 98 |
| Noncurrent loans to loans | 2.9782% | 319 |
| Net loans and leases to total assets | 78.3563% | 1,018 |
| Net loans and leases to deposits | 90.0753% | 1,582 |
| Net loans and leases to core deposits | 107.6560% | 997 |
| Total domestic deposits to total assets | 86.9898% | 1,613 |
| Equity capital to assets | 12.6651% | 1,724 |
| Core capital (leverage) ratio | 12.7090% | 1,367 |
| Tier 1 risk-based capital ratio | 14.8306% | 2,856 |
| Total risk-based capital ratio | 16.0839% | 2,780 |
| Memoranda: | ||
| Average total assets | $52,462,800 | 4,712 |
| Average earning assets | $49,285,000 | 4,687 |
| Average equity | $6,614,000 | 4,681 |
| Average total loans | $43,635,800 | 4,317 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6935% | 417 |
| Cost of funding earning assets | 1.8562% | 117 |
| Net interest margin | 3.8373% | 2,478 |
| Noninterest income to average assets | 0.3178% | 3,850 |
| Noninterest expense to average assets | 1.3172% | 5,137 |
| Loan and lease loss provision to assets | 0.7688% | 137 |
| Net operating income to assets | 1.3274% | 1,741 |
| Return on assets (ROA) | 1.3274% | 1,809 |
| Pretax return on assets | 1.8553% | 968 |
| Return on Equity (ROE) | 10.5419% | 2,197 |
| Retained earnings to average equity (ytd only) | 5.4540% | 2,645 |
| Net charge-offs to loans | 1.0183% | 142 |
| Credit loss provision to net charge-offs | 89.8204% | 2,394 |
| Earnings coverage of net charge-offs (x) | 3.0659% | 3,140 |
| Efficiency ratio | 33.4200% | 5,196 |
| Assets per employee ($millions) | 7.7180% | 764 |
| Cash dividends to net income (ytd only)* | 48.2632% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 1,266 |
| Loan loss allowance to noncurrent loans | 62.4329% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 2.0694% | 407 |
| Noncurrent loans to loans | 2.3908% | 507 |
| Net loans and leases to total assets | 85.2645% | 236 |
| Net loans and leases to deposits | 98.0044% | 818 |
| Net loans and leases to core deposits | 123.3928% | 424 |
| Total domestic deposits to total assets | 87.0007% | 1,514 |
| Equity capital to assets | 12.5255% | 1,901 |
| Core capital (leverage) ratio | 12.6413% | 1,511 |
| Tier 1 risk-based capital ratio | 14.1356% | 3,264 |
| Total risk-based capital ratio | 15.3870% | 3,165 |
| Memoranda: | ||
| Average total assets | $52,029,500 | 4,786 |
| Average earning assets | $49,130,750 | 4,756 |
| Average equity | $6,551,500 | 4,749 |
| Average total loans | $43,733,000 | 4,368 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7132% | 392 |
| Cost of funding earning assets | 1.8094% | 123 |
| Net interest margin | 3.9038% | 2,232 |
| Noninterest income to average assets | 0.2998% | 3,933 |
| Noninterest expense to average assets | 1.3278% | 5,193 |
| Loan and lease loss provision to assets | 0.7788% | 133 |
| Net operating income to assets | 1.3395% | 1,619 |
| Return on assets (ROA) | 1.3395% | 1,683 |
| Pretax return on assets | 1.8729% | 883 |
| Return on Equity (ROE) | 10.6178% | 2,128 |
| Retained earnings to average equity (ytd only) | 2.9014% | 3,765 |
| Net charge-offs to loans | 0.5337% | 293 |
| Credit loss provision to net charge-offs | 175.4386% | 1,333 |
| Earnings coverage of net charge-offs (x) | 5.9737% | 2,606 |
| Efficiency ratio | 33.3659% | 5,243 |
| Assets per employee ($millions) | 7.5991% | 776 |
| Cash dividends to net income (ytd only)* | 72.6744% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 765 |
| Loan loss allowance to noncurrent loans | 51.4789% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 2.9872% | 202 |
| Noncurrent loans to loans | 3.3794% | 259 |
| Net loans and leases to total assets | 86.8557% | 159 |
| Net loans and leases to deposits | 103.3949% | 452 |
| Net loans and leases to core deposits | 123.3501% | 443 |
| Total domestic deposits to total assets | 84.0038% | 2,861 |
| Equity capital to assets | 12.3961% | 1,913 |
| Core capital (leverage) ratio | 12.8918% | 1,360 |
| Tier 1 risk-based capital ratio | 13.8224% | 3,413 |
| Total risk-based capital ratio | 15.0761% | 3,308 |
| Memoranda: | ||
| Average total assets | $51,364,000 | 4,831 |
| Average earning assets | $48,414,330 | 4,801 |
| Average equity | $6,479,670 | 4,783 |
| Average total loans | $42,723,000 | 4,432 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0327% | 1,256 |
| Cost of funding earning assets | 1.7564% | 128 |
| Net interest margin | 3.2763% | 4,217 |
| Noninterest income to average assets | 0.1982% | 4,571 |
| Noninterest expense to average assets | 1.3241% | 5,249 |
| Loan and lease loss provision to assets | 0.7929% | 125 |
| Net operating income to assets | 0.8325% | 3,508 |
| Return on assets (ROA) | 0.8325% | 3,549 |
| Pretax return on assets | 1.1576% | 2,949 |
| Return on Equity (ROE) | 6.5395% | 3,826 |
| Retained earnings to average equity (ytd only) | -9.0308% | 5,069 |
| Net charge-offs to loans | 1.1337% | 115 |
| Credit loss provision to net charge-offs | 86.9565% | 1,736 |
| Earnings coverage of net charge-offs (x) | 2.1391% | 2,524 |
| Efficiency ratio | 40.4358% | 5,204 |
| Assets per employee ($millions) | 8.3560% | 590 |
| Cash dividends to net income (ytd only)* | 238.0952% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7008% | 856 |
| Loan loss allowance to noncurrent loans | 53.8693% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 2.6548% | 269 |
| Noncurrent loans to loans | 3.1573% | 326 |
| Net loans and leases to total assets | 82.6532% | 510 |
| Net loans and leases to deposits | 95.1221% | 1,052 |
| Net loans and leases to core deposits | 114.5483% | 711 |
| Total domestic deposits to total assets | 86.8917% | 1,867 |
| Equity capital to assets | 12.6695% | 1,643 |
| Core capital (leverage) ratio | 12.5735% | 1,464 |
| Tier 1 risk-based capital ratio | 15.0788% | 2,854 |
| Total risk-based capital ratio | 16.3344% | 2,763 |
| Memoranda: | ||
| Average total assets | $50,449,000 | 4,891 |
| Average earning assets | $47,370,000 | 4,870 |
| Average equity | $6,422,500 | 4,826 |
| Average total loans | $40,574,500 | 4,522 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2697% | 614 |
| Cost of funding earning assets | 1.4786% | 95 |
| Net interest margin | 3.7911% | 2,695 |
| Noninterest income to average assets | 0.2837% | 4,202 |
| Noninterest expense to average assets | 1.3568% | 5,282 |
| Loan and lease loss provision to assets | 0.8926% | 106 |
| Net operating income to assets | 1.1545% | 2,363 |
| Return on assets (ROA) | 1.1545% | 2,368 |
| Pretax return on assets | 1.6146% | 1,420 |
| Return on Equity (ROE) | 9.3153% | 2,830 |
| Retained earnings to average equity (ytd only) | 6.1142% | 2,137 |
| Net charge-offs to loans | 0.7790% | 199 |
| Credit loss provision to net charge-offs | 135.9517% | 1,965 |
| Earnings coverage of net charge-offs (x) | 3.8187% | 3,376 |
| Efficiency ratio | 35.1129% | 5,331 |
| Assets per employee ($millions) | 8.4603% | 559 |
| Cash dividends to net income (ytd only)* | 34.3643% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 597 |
| Loan loss allowance to noncurrent loans | 110.5740% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.3041% | 974 |
| Noncurrent loans to loans | 1.6977% | 853 |
| Net loans and leases to total assets | 75.3733% | 1,716 |
| Net loans and leases to deposits | 86.7911% | 2,179 |
| Net loans and leases to core deposits | 103.3969% | 1,466 |
| Total domestic deposits to total assets | 86.8445% | 1,850 |
| Equity capital to assets | 12.7911% | 1,443 |
| Core capital (leverage) ratio | 12.7743% | 1,327 |
| Tier 1 risk-based capital ratio | 16.4836% | 2,245 |
| Total risk-based capital ratio | 17.7394% | 2,181 |
| Memoranda: | ||
| Average total assets | $50,413,600 | 4,924 |
| Average earning assets | $47,612,000 | 4,905 |
| Average equity | $6,247,800 | 4,858 |
| Average total loans | $42,490,600 | 4,486 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1850% | 645 |
| Cost of funding earning assets | 1.3857% | 104 |
| Net interest margin | 3.7994% | 2,651 |
| Noninterest income to average assets | 0.2543% | 4,449 |
| Noninterest expense to average assets | 1.3008% | 5,367 |
| Loan and lease loss provision to assets | 0.9273% | 94 |
| Net operating income to assets | 1.1657% | 2,387 |
| Return on assets (ROA) | 1.1657% | 2,390 |
| Pretax return on assets | 1.6293% | 1,491 |
| Return on Equity (ROE) | 9.4827% | 2,861 |
| Retained earnings to average equity (ytd only) | 5.1724% | 3,135 |
| Net charge-offs to loans | 0.8517% | 167 |
| Credit loss provision to net charge-offs | 126.3538% | 1,933 |
| Earnings coverage of net charge-offs (x) | 3.4838% | 3,158 |
| Efficiency ratio | 33.7225% | 5,408 |
| Assets per employee ($millions) | 8.2430% | 585 |
| Cash dividends to net income (ytd only)* | 45.4547% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 1,090 |
| Loan loss allowance to noncurrent loans | 73.9224% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.8763% | 600 |
| Noncurrent loans to loans | 2.1593% | 664 |
| Net loans and leases to total assets | 85.5069% | 314 |
| Net loans and leases to deposits | 98.6839% | 890 |
| Net loans and leases to core deposits | 115.0592% | 759 |
| Total domestic deposits to total assets | 86.6473% | 1,894 |
| Equity capital to assets | 12.8351% | 1,403 |
| Core capital (leverage) ratio | 12.7521% | 1,394 |
| Tier 1 risk-based capital ratio | 14.9000% | 2,929 |
| Total risk-based capital ratio | 16.1544% | 2,841 |
| Memoranda: | ||
| Average total assets | $50,326,500 | 4,985 |
| Average earning assets | $47,726,250 | 4,959 |
| Average equity | $6,186,500 | 4,922 |
| Average total loans | $43,365,000 | 4,518 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 733 |
| Cost of funding earning assets | 1.2798% | 131 |
| Net interest margin | 3.7682% | 2,681 |
| Noninterest income to average assets | 0.2647% | 4,417 |
| Noninterest expense to average assets | 1.2763% | 5,437 |
| Loan and lease loss provision to assets | 0.7903% | 117 |
| Net operating income to assets | 1.2565% | 1,958 |
| Return on assets (ROA) | 1.2565% | 1,955 |
| Pretax return on assets | 1.7583% | 1,074 |
| Return on Equity (ROE) | 10.3707% | 2,395 |
| Retained earnings to average equity (ytd only) | 3.8482% | 3,678 |
| Net charge-offs to loans | 0.5150% | 292 |
| Credit loss provision to net charge-offs | 178.5714% | 1,406 |
| Earnings coverage of net charge-offs (x) | 5.7589% | 2,685 |
| Efficiency ratio | 33.3678% | 5,472 |
| Assets per employee ($millions) | 8.3660% | 545 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6179% | 1,066 |
| Loan loss allowance to noncurrent loans | 128.6239% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.0857% | 1,362 |
| Noncurrent loans to loans | 1.2578% | 1,364 |
| Net loans and leases to total assets | 84.9231% | 366 |
| Net loans and leases to deposits | 97.5023% | 996 |
| Net loans and leases to core deposits | 110.7969% | 948 |
| Total domestic deposits to total assets | 87.0986% | 1,801 |
| Equity capital to assets | 12.4054% | 1,593 |
| Core capital (leverage) ratio | 12.4593% | 1,462 |
| Tier 1 risk-based capital ratio | 14.5634% | 3,088 |
| Total risk-based capital ratio | 15.8181% | 3,003 |
| Memoranda: | ||
| Average total assets | $50,616,000 | 5,036 |
| Average earning assets | $47,820,670 | 5,007 |
| Average equity | $6,132,670 | 4,984 |
| Average total loans | $43,494,670 | 4,556 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9701% | 739 |
| Cost of funding earning assets | 1.2321% | 120 |
| Net interest margin | 3.7381% | 2,654 |
| Noninterest income to average assets | 0.2597% | 4,437 |
| Noninterest expense to average assets | 1.2671% | 5,506 |
| Loan and lease loss provision to assets | 0.7870% | 114 |
| Net operating income to assets | 1.2277% | 1,903 |
| Return on assets (ROA) | 1.2277% | 1,911 |
| Pretax return on assets | 1.7157% | 1,075 |
| Return on Equity (ROE) | 10.2539% | 2,296 |
| Retained earnings to average equity (ytd only) | -2.8921% | 5,074 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.6117% | 5,538 |
| Assets per employee ($millions) | 8.3353% | 554 |
| Cash dividends to net income (ytd only)* | 128.2051% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 1,091 |
| Loan loss allowance to noncurrent loans | 76.9978% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.8516% | 650 |
| Noncurrent loans to loans | 2.1199% | 730 |
| Net loans and leases to total assets | 85.9174% | 266 |
| Net loans and leases to deposits | 98.8543% | 799 |
| Net loans and leases to core deposits | 112.9129% | 847 |
| Total domestic deposits to total assets | 86.9131% | 2,163 |
| Equity capital to assets | 12.1211% | 1,699 |
| Core capital (leverage) ratio | 12.0362% | 1,631 |
| Tier 1 risk-based capital ratio | 14.0033% | 3,379 |
| Total risk-based capital ratio | 15.2560% | 3,293 |
| Memoranda: | ||
| Average total assets | $50,826,000 | 5,095 |
| Average earning assets | $47,725,000 | 5,067 |
| Average equity | $6,085,500 | 5,043 |
| Average total loans | $43,577,500 | 4,598 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 726 |
| Cost of funding earning assets | 1.1670% | 89 |
| Net interest margin | 3.7744% | 2,523 |
| Noninterest income to average assets | 0.2731% | 4,493 |
| Noninterest expense to average assets | 1.4114% | 5,516 |
| Loan and lease loss provision to assets | 0.4984% | 263 |
| Net operating income to assets | 1.2061% | 1,503 |
| Return on assets (ROA) | 1.2061% | 1,533 |
| Pretax return on assets | 1.8839% | 620 |
| Return on Equity (ROE) | 10.3813% | 1,731 |
| Retained earnings to average equity (ytd only) | 6.9494% | 1,099 |
| Net charge-offs to loans | 0.7376% | 284 |
| Credit loss provision to net charge-offs | 78.1250% | 2,972 |
| Earnings coverage of net charge-offs (x) | 3.7344% | 3,565 |
| Efficiency ratio | 37.2044% | 5,567 |
| Assets per employee ($millions) | 7.3771% | 820 |
| Cash dividends to net income (ytd only)* | 33.0579% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 1,726 |
| Loan loss allowance to noncurrent loans | 63.4576% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.8706% | 635 |
| Noncurrent loans to loans | 2.2221% | 647 |
| Net loans and leases to total assets | 82.9977% | 562 |
| Net loans and leases to deposits | 94.5928% | 1,207 |
| Net loans and leases to core deposits | 107.3970% | 1,190 |
| Total domestic deposits to total assets | 87.7421% | 1,635 |
| Equity capital to assets | 11.8300% | 1,961 |
| Core capital (leverage) ratio | 12.1657% | 1,521 |
| Tier 1 risk-based capital ratio | 13.8831% | 3,429 |
| Total risk-based capital ratio | 15.1343% | 3,334 |
| Memoranda: | ||
| Average total assets | $50,161,800 | 5,156 |
| Average earning assets | $46,788,600 | 5,131 |
| Average equity | $5,827,800 | 5,126 |
| Average total loans | $43,384,000 | 4,630 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9484% | 679 |
| Cost of funding earning assets | 1.1485% | 88 |
| Net interest margin | 3.7999% | 2,402 |
| Noninterest income to average assets | 0.2704% | 4,572 |
| Noninterest expense to average assets | 1.3094% | 5,612 |
| Loan and lease loss provision to assets | 0.6694% | 167 |
| Net operating income to assets | 1.1086% | 2,050 |
| Return on assets (ROA) | 1.1086% | 2,109 |
| Pretax return on assets | 1.8530% | 778 |
| Return on Equity (ROE) | 9.5873% | 2,309 |
| Retained earnings to average equity (ytd only) | 4.9558% | 2,920 |
| Net charge-offs to loans | 1.0239% | 169 |
| Credit loss provision to net charge-offs | 75.0751% | 2,645 |
| Earnings coverage of net charge-offs (x) | 2.8288% | 3,422 |
| Efficiency ratio | 34.1719% | 5,663 |
| Assets per employee ($millions) | 8.3015% | 565 |
| Cash dividends to net income (ytd only)* | 48.3088% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 1,941 |
| Loan loss allowance to noncurrent loans | 56.8182% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 2.1201% | 593 |
| Noncurrent loans to loans | 2.4448% | 633 |
| Net loans and leases to total assets | 85.5127% | 292 |
| Net loans and leases to deposits | 97.7128% | 947 |
| Net loans and leases to core deposits | 114.2148% | 827 |
| Total domestic deposits to total assets | 87.5143% | 1,620 |
| Equity capital to assets | 11.8954% | 2,037 |
| Core capital (leverage) ratio | 11.9267% | 1,741 |
| Tier 1 risk-based capital ratio | 13.7719% | 3,536 |
| Total risk-based capital ratio | 15.0227% | 3,475 |
| Memoranda: | ||
| Average total assets | $49,792,250 | 5,217 |
| Average earning assets | $46,667,250 | 5,188 |
| Average equity | $5,757,500 | 5,195 |
| Average total loans | $43,361,750 | 4,678 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9082% | 682 |
| Cost of funding earning assets | 1.1065% | 97 |
| Net interest margin | 3.8017% | 2,279 |
| Noninterest income to average assets | 0.2933% | 4,451 |
| Noninterest expense to average assets | 1.2895% | 5,677 |
| Loan and lease loss provision to assets | 0.8034% | 127 |
| Net operating income to assets | 1.0485% | 2,213 |
| Return on assets (ROA) | 1.0485% | 2,256 |
| Pretax return on assets | 1.7475% | 955 |
| Return on Equity (ROE) | 9.1552% | 2,436 |
| Retained earnings to average equity (ytd only) | 2.1397% | 4,399 |
| Net charge-offs to loans | 0.6679% | 293 |
| Credit loss provision to net charge-offs | 137.9310% | 1,616 |
| Earnings coverage of net charge-offs (x) | 4.3793% | 2,939 |
| Efficiency ratio | 33.5774% | 5,718 |
| Assets per employee ($millions) | 8.5440% | 500 |
| Cash dividends to net income (ytd only)* | 76.6284% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 1,166 |
| Loan loss allowance to noncurrent loans | 46.8274% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 3.0743% | 292 |
| Noncurrent loans to loans | 3.5161% | 323 |
| Net loans and leases to total assets | 85.9960% | 271 |
| Net loans and leases to deposits | 99.6677% | 762 |
| Net loans and leases to core deposits | 117.3566% | 671 |
| Total domestic deposits to total assets | 86.2828% | 2,251 |
| Equity capital to assets | 11.2555% | 2,539 |
| Core capital (leverage) ratio | 11.5451% | 1,940 |
| Tier 1 risk-based capital ratio | 12.9271% | 4,050 |
| Total risk-based capital ratio | 14.1817% | 3,964 |
| Memoranda: | ||
| Average total assets | $49,786,670 | 5,252 |
| Average earning assets | $46,452,670 | 5,225 |
| Average equity | $5,701,670 | 5,238 |
| Average total loans | $43,418,000 | 4,705 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7832% | 777 |
| Cost of funding earning assets | 1.0775% | 107 |
| Net interest margin | 3.7057% | 2,468 |
| Noninterest income to average assets | 0.3181% | 4,278 |
| Noninterest expense to average assets | 1.3293% | 5,726 |
| Loan and lease loss provision to assets | 0.8155% | 120 |
| Net operating income to assets | 0.9705% | 2,434 |
| Return on assets (ROA) | 0.9705% | 2,483 |
| Pretax return on assets | 1.6229% | 1,178 |
| Return on Equity (ROE) | 8.3988% | 2,720 |
| Retained earnings to average equity (ytd only) | -5.7168% | 5,430 |
| Net charge-offs to loans | 0.4963% | 369 |
| Credit loss provision to net charge-offs | 188.6792% | 1,049 |
| Earnings coverage of net charge-offs (x) | 5.6415% | 2,272 |
| Efficiency ratio | 35.2814% | 5,763 |
| Assets per employee ($millions) | 8.2657% | 552 |
| Cash dividends to net income (ytd only)* | 168.0672% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 1,180 |
| Loan loss allowance to noncurrent loans | 82.2072% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.7905% | 794 |
| Noncurrent loans to loans | 2.0457% | 862 |
| Net loans and leases to total assets | 86.0548% | 218 |
| Net loans and leases to deposits | 98.0540% | 768 |
| Net loans and leases to core deposits | 114.0574% | 667 |
| Total domestic deposits to total assets | 87.7626% | 1,855 |
| Equity capital to assets | 11.3502% | 2,308 |
| Core capital (leverage) ratio | 11.4941% | 1,953 |
| Tier 1 risk-based capital ratio | 12.8825% | 4,152 |
| Total risk-based capital ratio | 14.1366% | 4,049 |
| Memoranda: | ||
| Average total assets | $49,048,000 | 5,331 |
| Average earning assets | $45,659,500 | 5,299 |
| Average equity | $5,667,500 | 5,292 |
| Average total loans | $42,715,500 | 4,765 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9301% | 684 |
| Cost of funding earning assets | 1.0846% | 107 |
| Net interest margin | 3.8455% | 2,156 |
| Noninterest income to average assets | 0.2985% | 4,598 |
| Noninterest expense to average assets | 1.3661% | 5,792 |
| Loan and lease loss provision to assets | 0.2073% | 1,094 |
| Net operating income to assets | 1.4034% | 1,004 |
| Return on assets (ROA) | 1.4034% | 1,023 |
| Pretax return on assets | 2.3487% | 252 |
| Return on Equity (ROE) | 12.4385% | 1,133 |
| Retained earnings to average equity (ytd only) | 8.7639% | 637 |
| Net charge-offs to loans | 0.1853% | 1,494 |
| Credit loss provision to net charge-offs | 126.5823% | 2,109 |
| Earnings coverage of net charge-offs (x) | 15.6076% | 2,191 |
| Efficiency ratio | 34.8309% | 5,836 |
| Assets per employee ($millions) | 8.0837% | 587 |
| Cash dividends to net income (ytd only)* | 29.5421% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 1,315 |
| Loan loss allowance to noncurrent loans | 87.6765% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.6061% | 994 |
| Noncurrent loans to loans | 1.8537% | 1,012 |
| Net loans and leases to total assets | 85.2336% | 281 |
| Net loans and leases to deposits | 96.9489% | 913 |
| Net loans and leases to core deposits | 113.9125% | 701 |
| Total domestic deposits to total assets | 87.9160% | 1,670 |
| Equity capital to assets | 11.7645% | 1,961 |
| Core capital (leverage) ratio | 11.7414% | 1,767 |
| Tier 1 risk-based capital ratio | 13.3310% | 3,877 |
| Total risk-based capital ratio | 14.5849% | 3,785 |
| Memoranda: | ||
| Average total assets | $48,240,200 | 5,382 |
| Average earning assets | $45,455,600 | 5,348 |
| Average equity | $5,442,800 | 5,382 |
| Average total loans | $42,631,600 | 4,796 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 691 |
| Cost of funding earning assets | 1.0684% | 112 |
| Net interest margin | 3.8578% | 2,126 |
| Noninterest income to average assets | 0.2961% | 4,647 |
| Noninterest expense to average assets | 1.2842% | 5,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5886% | 748 |
| Return on assets (ROA) | 1.5886% | 790 |
| Pretax return on assets | 2.6597% | 177 |
| Return on Equity (ROE) | 14.2330% | 779 |
| Retained earnings to average equity (ytd only) | 9.2738% | 741 |
| Net charge-offs to loans | 0.0748% | 2,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 40.0406% | 1,247 |
| Efficiency ratio | 32.5614% | 5,920 |
| Assets per employee ($millions) | 6.8117% | 956 |
| Cash dividends to net income (ytd only)* | 34.8434% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 1,864 |
| Loan loss allowance to noncurrent loans | 81.7949% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.6358% | 1,060 |
| Noncurrent loans to loans | 1.8027% | 1,147 |
| Net loans and leases to total assets | 89.4048% | 82 |
| Net loans and leases to deposits | 101.9222% | 579 |
| Net loans and leases to core deposits | 122.2015% | 453 |
| Total domestic deposits to total assets | 87.7186% | 1,545 |
| Equity capital to assets | 11.7654% | 2,291 |
| Core capital (leverage) ratio | 11.6748% | 1,908 |
| Tier 1 risk-based capital ratio | 12.9239% | 4,210 |
| Total risk-based capital ratio | 14.1757% | 4,117 |
| Memoranda: | ||
| Average total assets | $48,174,750 | 5,437 |
| Average earning assets | $45,551,250 | 5,399 |
| Average equity | $5,377,000 | 5,451 |
| Average total loans | $42,783,750 | 4,835 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9833% | 612 |
| Cost of funding earning assets | 1.0450% | 124 |
| Net interest margin | 3.9383% | 1,844 |
| Noninterest income to average assets | 0.2938% | 4,677 |
| Noninterest expense to average assets | 1.2330% | 5,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6550% | 635 |
| Return on assets (ROA) | 1.6550% | 678 |
| Pretax return on assets | 2.7721% | 145 |
| Return on Equity (ROE) | 15.0962% | 658 |
| Retained earnings to average equity (ytd only) | 7.5481% | 1,360 |
| Net charge-offs to loans | 0.0657% | 2,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 47.8571% | 1,022 |
| Efficiency ratio | 30.7851% | 6,007 |
| Assets per employee ($millions) | 6.9247% | 897 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 1,937 |
| Loan loss allowance to noncurrent loans | 172.8000% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 2,667 |
| Noncurrent loans to loans | 0.8568% | 2,597 |
| Net loans and leases to total assets | 88.9505% | 102 |
| Net loans and leases to deposits | 103.1433% | 501 |
| Net loans and leases to core deposits | 122.2900% | 454 |
| Total domestic deposits to total assets | 86.2398% | 2,303 |
| Equity capital to assets | 11.2227% | 2,822 |
| Core capital (leverage) ratio | 11.3795% | 2,078 |
| Tier 1 risk-based capital ratio | 12.5026% | 4,518 |
| Total risk-based capital ratio | 13.7547% | 4,429 |
| Memoranda: | ||
| Average total assets | $48,339,000 | 5,495 |
| Average earning assets | $45,552,330 | 5,459 |
| Average equity | $5,299,330 | 5,526 |
| Average total loans | $42,622,330 | 4,876 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8239% | 808 |
| Cost of funding earning assets | 1.0425% | 127 |
| Net interest margin | 3.7813% | 2,370 |
| Noninterest income to average assets | 0.2320% | 5,083 |
| Noninterest expense to average assets | 1.2015% | 6,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5413% | 792 |
| Return on assets (ROA) | 1.5413% | 831 |
| Pretax return on assets | 2.5771% | 215 |
| Return on Equity (ROE) | 14.2283% | 797 |
| Retained earnings to average equity (ytd only) | -1.0710% | 5,289 |
| Net charge-offs to loans | 0.1427% | 1,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 20.7333% | 1,454 |
| Efficiency ratio | 31.7982% | 6,062 |
| Assets per employee ($millions) | 8.0218% | 562 |
| Cash dividends to net income (ytd only)* | 107.5269% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5425% | 1,815 |
| Loan loss allowance to noncurrent loans | 294.0909% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 3,085 |
| Noncurrent loans to loans | 0.5245% | 3,613 |
| Net loans and leases to total assets | 85.8013% | 231 |
| Net loans and leases to deposits | 97.3366% | 811 |
| Net loans and leases to core deposits | 115.3000% | 620 |
| Total domestic deposits to total assets | 88.1490% | 1,561 |
| Equity capital to assets | 10.8537% | 3,114 |
| Core capital (leverage) ratio | 10.7439% | 2,678 |
| Tier 1 risk-based capital ratio | 12.4555% | 4,614 |
| Total risk-based capital ratio | 13.7087% | 4,517 |
| Memoranda: | ||
| Average total assets | $48,272,000 | 5,543 |
| Average earning assets | $45,275,000 | 5,514 |
| Average equity | $5,229,000 | 5,573 |
| Average total loans | $42,051,000 | 4,934 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0479% | 573 |
| Cost of funding earning assets | 0.9863% | 187 |
| Net interest margin | 4.0616% | 1,520 |
| Noninterest income to average assets | 0.3233% | 4,586 |
| Noninterest expense to average assets | 1.4363% | 6,018 |
| Loan and lease loss provision to assets | 0.3299% | 484 |
| Net operating income to assets | 1.4385% | 967 |
| Return on assets (ROA) | 1.4385% | 997 |
| Pretax return on assets | 2.3975% | 248 |
| Return on Equity (ROE) | 13.2357% | 1,008 |
| Retained earnings to average equity (ytd only) | 9.1881% | 611 |
| Net charge-offs to loans | 0.0342% | 3,519 |
| Credit loss provision to net charge-offs | 1,071.4286% | 315 |
| Earnings coverage of net charge-offs (x) | 88.5714% | 639 |
| Efficiency ratio | 34.4955% | 6,115 |
| Assets per employee ($millions) | 8.0688% | 542 |
| Cash dividends to net income (ytd only)* | 30.5810% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 1,719 |
| Loan loss allowance to noncurrent loans | 285.3448% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 3,012 |
| Noncurrent loans to loans | 0.5503% | 3,519 |
| Net loans and leases to total assets | 85.7125% | 250 |
| Net loans and leases to deposits | 96.5967% | 946 |
| Net loans and leases to core deposits | 112.2818% | 756 |
| Total domestic deposits to total assets | 88.7324% | 1,266 |
| Equity capital to assets | 10.8111% | 3,015 |
| Core capital (leverage) ratio | 11.2338% | 2,173 |
| Tier 1 risk-based capital ratio | 12.3117% | 4,757 |
| Total risk-based capital ratio | 13.5638% | 4,644 |
| Memoranda: | ||
| Average total assets | $45,464,800 | 5,649 |
| Average earning assets | $42,988,000 | 5,610 |
| Average equity | $4,941,200 | 5,669 |
| Average total loans | $40,876,000 | 4,972 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0856% | 531 |
| Cost of funding earning assets | 0.9782% | 200 |
| Net interest margin | 4.1074% | 1,394 |
| Noninterest income to average assets | 0.3190% | 4,658 |
| Noninterest expense to average assets | 1.3384% | 6,132 |
| Loan and lease loss provision to assets | 0.4471% | 246 |
| Net operating income to assets | 1.4636% | 983 |
| Return on assets (ROA) | 1.4636% | 1,024 |
| Pretax return on assets | 2.4384% | 263 |
| Return on Equity (ROE) | 13.4480% | 1,018 |
| Retained earnings to average equity (ytd only) | 7.9702% | 1,249 |
| Net charge-offs to loans | 0.0460% | 2,974 |
| Credit loss provision to net charge-offs | 1,071.4286% | 346 |
| Earnings coverage of net charge-offs (x) | 69.1285% | 824 |
| Efficiency ratio | 31.6867% | 6,214 |
| Assets per employee ($millions) | 7.6363% | 641 |
| Cash dividends to net income (ytd only)* | 40.7332% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5631% | 1,920 |
| Loan loss allowance to noncurrent loans | 201.2158% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 3,112 |
| Noncurrent loans to loans | 0.7768% | 3,021 |
| Net loans and leases to total assets | 90.9883% | 43 |
| Net loans and leases to deposits | 102.9638% | 494 |
| Net loans and leases to core deposits | 116.5832% | 566 |
| Total domestic deposits to total assets | 88.3692% | 1,363 |
| Equity capital to assets | 11.0677% | 2,944 |
| Core capital (leverage) ratio | 11.2235% | 2,272 |
| Tier 1 risk-based capital ratio | 12.1422% | 5,000 |
| Total risk-based capital ratio | 13.3950% | 4,904 |
| Memoranda: | ||
| Average total assets | $44,727,750 | 5,737 |
| Average earning assets | $42,524,250 | 5,692 |
| Average equity | $4,868,000 | 5,762 |
| Average total loans | $40,555,500 | 5,037 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 647 |
| Cost of funding earning assets | 0.9435% | 229 |
| Net interest margin | 4.0109% | 1,610 |
| Noninterest income to average assets | 0.2975% | 4,830 |
| Noninterest expense to average assets | 1.3119% | 6,221 |
| Loan and lease loss provision to assets | 0.4508% | 239 |
| Net operating income to assets | 1.4110% | 1,068 |
| Return on assets (ROA) | 1.4110% | 1,106 |
| Pretax return on assets | 2.3487% | 313 |
| Return on Equity (ROE) | 13.0408% | 1,105 |
| Retained earnings to average equity (ytd only) | 4.7080% | 3,050 |
| Net charge-offs to loans | 0.0751% | 2,322 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | 41.4000% | 1,107 |
| Efficiency ratio | 31.9079% | 6,286 |
| Assets per employee ($millions) | 7.3520% | 717 |
| Cash dividends to net income (ytd only)* | 63.8978% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 2,397 |
| Loan loss allowance to noncurrent loans | 185.7143% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.7458% | 3,147 |
| Noncurrent loans to loans | 0.7944% | 3,125 |
| Net loans and leases to total assets | 92.5009% | 20 |
| Net loans and leases to deposits | 105.7400% | 384 |
| Net loans and leases to core deposits | 119.2786% | 483 |
| Total domestic deposits to total assets | 87.4796% | 1,918 |
| Equity capital to assets | 11.0877% | 2,797 |
| Core capital (leverage) ratio | 10.9816% | 2,444 |
| Tier 1 risk-based capital ratio | 12.0098% | 5,144 |
| Total risk-based capital ratio | 13.2621% | 5,040 |
| Memoranda: | ||
| Average total assets | $44,364,330 | 5,810 |
| Average earning assets | $42,184,670 | 5,762 |
| Average equity | $4,800,330 | 5,833 |
| Average total loans | $39,957,000 | 5,104 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7987% | 867 |
| Cost of funding earning assets | 0.9236% | 252 |
| Net interest margin | 3.8752% | 1,981 |
| Noninterest income to average assets | 0.2787% | 4,945 |
| Noninterest expense to average assets | 1.2767% | 6,293 |
| Loan and lease loss provision to assets | 0.4495% | 243 |
| Net operating income to assets | 1.3306% | 1,182 |
| Return on assets (ROA) | 1.3306% | 1,261 |
| Pretax return on assets | 2.2117% | 376 |
| Return on Equity (ROE) | 12.4501% | 1,230 |
| Retained earnings to average equity (ytd only) | -4.3743% | 5,888 |
| Net charge-offs to loans | 0.0714% | 2,011 |
| Credit loss provision to net charge-offs | 714.2857% | 422 |
| Earnings coverage of net charge-offs (x) | 42.2857% | 944 |
| Efficiency ratio | 32.4201% | 6,349 |
| Assets per employee ($millions) | 7.4157% | 706 |
| Cash dividends to net income (ytd only)* | 135.1351% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 2,818 |
| Loan loss allowance to noncurrent loans | 66.7840% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.9149% | 1,267 |
| Noncurrent loans to loans | 2.1302% | 1,204 |
| Net loans and leases to total assets | 88.6142% | 86 |
| Net loans and leases to deposits | 100.3231% | 544 |
| Net loans and leases to core deposits | 110.5231% | 722 |
| Total domestic deposits to total assets | 88.3288% | 1,643 |
| Equity capital to assets | 10.6284% | 3,391 |
| Core capital (leverage) ratio | 10.6088% | 2,841 |
| Tier 1 risk-based capital ratio | 11.9202% | 5,292 |
| Total risk-based capital ratio | 13.1712% | 5,183 |
| Memoranda: | ||
| Average total assets | $44,490,500 | 5,859 |
| Average earning assets | $42,011,000 | 5,812 |
| Average equity | $4,755,000 | 5,895 |
| Average total loans | $39,228,000 | 5,166 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0992% | 635 |
| Cost of funding earning assets | 0.9425% | 305 |
| Net interest margin | 4.1567% | 1,412 |
| Noninterest income to average assets | 0.3573% | 4,544 |
| Noninterest expense to average assets | 1.5162% | 6,288 |
| Loan and lease loss provision to assets | 0.4829% | 324 |
| Net operating income to assets | 1.3617% | 1,157 |
| Return on assets (ROA) | 1.3617% | 1,201 |
| Pretax return on assets | 2.2767% | 279 |
| Return on Equity (ROE) | 12.5445% | 1,255 |
| Retained earnings to average equity (ytd only) | 12.5445% | 260 |
| Net charge-offs to loans | 0.2825% | 1,536 |
| Credit loss provision to net charge-offs | 190.4762% | 1,296 |
| Earnings coverage of net charge-offs (x) | 10.8857% | 2,572 |
| Efficiency ratio | 35.4602% | 6,444 |
| Assets per employee ($millions) | 7.4145% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 3,100 |
| Loan loss allowance to noncurrent loans | 71.5646% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.6522% | 1,631 |
| Noncurrent loans to loans | 1.9111% | 1,474 |
| Net loans and leases to total assets | 85.2676% | 258 |
| Net loans and leases to deposits | 96.0621% | 896 |
| Net loans and leases to core deposits | 106.7873% | 965 |
| Total domestic deposits to total assets | 88.7630% | 1,377 |
| Equity capital to assets | 10.7470% | 3,184 |
| Core capital (leverage) ratio | 10.7395% | 2,680 |
| Tier 1 risk-based capital ratio | 12.5549% | 5,007 |
| Total risk-based capital ratio | 13.8082% | 4,918 |
| Memoranda: | ||
| Average total assets | $41,420,000 | 6,001 |
| Average earning assets | $39,045,000 | 5,948 |
| Average equity | $4,496,000 | 5,989 |
| Average total loans | $37,162,000 | 5,290 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0858% | 666 |
| Cost of funding earning assets | 0.9436% | 313 |
| Net interest margin | 4.1422% | 1,458 |
| Noninterest income to average assets | 0.3542% | 4,606 |
| Noninterest expense to average assets | 1.3808% | 6,419 |
| Loan and lease loss provision to assets | 0.4920% | 309 |
| Net operating income to assets | 1.4431% | 1,042 |
| Return on assets (ROA) | 1.4431% | 1,083 |
| Pretax return on assets | 2.3974% | 254 |
| Return on Equity (ROE) | 13.2584% | 1,151 |
| Retained earnings to average equity (ytd only) | 13.2584% | 301 |
| Net charge-offs to loans | 0.3800% | 1,051 |
| Credit loss provision to net charge-offs | 142.8571% | 1,647 |
| Earnings coverage of net charge-offs (x) | 8.3903% | 2,806 |
| Efficiency ratio | 32.3349% | 6,528 |
| Assets per employee ($millions) | 6.9397% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 4,037 |
| Loan loss allowance to noncurrent loans | 63.4667% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 1.8012% | 1,651 |
| Noncurrent loans to loans | 1.9496% | 1,635 |
| Net loans and leases to total assets | 91.2460% | 36 |
| Net loans and leases to deposits | 103.7153% | 421 |
| Net loans and leases to core deposits | 116.6646% | 479 |
| Total domestic deposits to total assets | 87.9773% | 1,782 |
| Equity capital to assets | 11.1893% | 2,776 |
| Core capital (leverage) ratio | 11.2666% | 2,246 |
| Tier 1 risk-based capital ratio | 12.3301% | 5,278 |
| Total risk-based capital ratio | 13.5806% | 5,206 |
| Memoranda: | ||
| Average total assets | $40,653,250 | 6,091 |
| Average earning assets | $38,433,000 | 6,040 |
| Average equity | $4,424,750 | 6,066 |
| Average total loans | $36,837,750 | 5,352 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0071% | 743 |
| Cost of funding earning assets | 0.9257% | 369 |
| Net interest margin | 4.0814% | 1,570 |
| Noninterest income to average assets | 0.3323% | 4,762 |
| Noninterest expense to average assets | 1.4234% | 6,455 |
| Loan and lease loss provision to assets | 0.4960% | 300 |
| Net operating income to assets | 1.3639% | 1,154 |
| Return on assets (ROA) | 1.3639% | 1,193 |
| Pretax return on assets | 2.2616% | 325 |
| Return on Equity (ROE) | 12.6534% | 1,276 |
| Retained earnings to average equity (ytd only) | 12.6534% | 368 |
| Net charge-offs to loans | 0.6007% | 669 |
| Credit loss provision to net charge-offs | 91.7431% | 2,149 |
| Earnings coverage of net charge-offs (x) | 5.1009% | 2,988 |
| Efficiency ratio | 34.0451% | 6,589 |
| Assets per employee ($millions) | 6.6468% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 4,600 |
| Loan loss allowance to noncurrent loans | 60.8069% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 1.7402% | 1,870 |
| Noncurrent loans to loans | 1.9126% | 1,783 |
| Net loans and leases to total assets | 89.9275% | 53 |
| Net loans and leases to deposits | 102.8801% | 405 |
| Net loans and leases to core deposits | 114.6034% | 514 |
| Total domestic deposits to total assets | 87.4100% | 2,240 |
| Equity capital to assets | 11.2710% | 2,640 |
| Core capital (leverage) ratio | 11.4027% | 2,084 |
| Tier 1 risk-based capital ratio | 12.6590% | 5,114 |
| Total risk-based capital ratio | 13.8493% | 5,092 |
| Memoranda: | ||
| Average total assets | $40,325,000 | 6,163 |
| Average earning assets | $38,026,330 | 6,110 |
| Average equity | $4,346,670 | 6,126 |
| Average total loans | $36,294,000 | 5,407 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9078% | 861 |
| Cost of funding earning assets | 0.8999% | 453 |
| Net interest margin | 4.0078% | 1,730 |
| Noninterest income to average assets | 0.3058% | 4,908 |
| Noninterest expense to average assets | 1.3417% | 6,587 |
| Loan and lease loss provision to assets | 0.4933% | 305 |
| Net operating income to assets | 1.1641% | 1,582 |
| Return on assets (ROA) | 1.1641% | 1,654 |
| Pretax return on assets | 2.2492% | 331 |
| Return on Equity (ROE) | 11.0474% | 1,669 |
| Retained earnings to average equity (ytd only) | 11.0474% | 736 |
| Net charge-offs to loans | -0.1102% | 6,152 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.8502% | 6,658 |
| Assets per employee ($millions) | 6.6697% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 3,805 |
| Loan loss allowance to noncurrent loans | 58.8024% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 2.0866% | 1,612 |
| Noncurrent loans to loans | 2.3089% | 1,542 |
| Net loans and leases to total assets | 89.1449% | 58 |
| Net loans and leases to deposits | 100.7882% | 407 |
| Net loans and leases to core deposits | 112.4299% | 508 |
| Total domestic deposits to total assets | 88.4477% | 1,964 |
| Equity capital to assets | 10.8401% | 2,894 |
| Core capital (leverage) ratio | 10.8787% | 2,511 |
| Tier 1 risk-based capital ratio | 12.2779% | 5,458 |
| Total risk-based capital ratio | 13.5306% | 5,390 |
| Memoranda: | ||
| Average total assets | $40,547,000 | 6,221 |
| Average earning assets | $38,225,000 | 6,159 |
| Average equity | $4,272,500 | 6,194 |
| Average total loans | $36,298,000 | 5,451 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1860% | 658 |
| Cost of funding earning assets | 0.9765% | 509 |
| Net interest margin | 4.2095% | 1,327 |
| Noninterest income to average assets | 0.3153% | 5,086 |
| Noninterest expense to average assets | 1.7395% | 6,401 |
| Loan and lease loss provision to assets | 0.2585% | 1,390 |
| Net operating income to assets | 1.3802% | 1,070 |
| Return on assets (ROA) | 1.3802% | 1,105 |
| Pretax return on assets | 2.2952% | 267 |
| Return on Equity (ROE) | 13.4930% | 1,068 |
| Retained earnings to average equity (ytd only) | 13.4930% | 222 |
| Net charge-offs to loans | -0.0286% | 6,218 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5178% | 6,684 |
| Assets per employee ($millions) | 5.8680% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 4,742 |
| Loan loss allowance to noncurrent loans | 53.2099% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 1.9720% | 1,821 |
| Noncurrent loans to loans | 2.2234% | 1,747 |
| Net loans and leases to total assets | 87.6424% | 101 |
| Net loans and leases to deposits | 98.2238% | 577 |
| Net loans and leases to core deposits | 110.2840% | 599 |
| Total domestic deposits to total assets | 89.2273% | 1,471 |
| Equity capital to assets | 10.2420% | 3,450 |
| Core capital (leverage) ratio | 10.7529% | 2,622 |
| Tier 1 risk-based capital ratio | 11.7394% | 5,782 |
| Total risk-based capital ratio | 12.9435% | 5,738 |
| Memoranda: | ||
| Average total assets | $38,689,600 | 6,325 |
| Average earning assets | $36,560,000 | 6,268 |
| Average equity | $3,957,600 | 6,339 |
| Average total loans | $34,906,400 | 5,541 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2312% | 608 |
| Cost of funding earning assets | 0.9924% | 513 |
| Net interest margin | 4.2388% | 1,226 |
| Noninterest income to average assets | 0.3220% | 5,110 |
| Noninterest expense to average assets | 1.5751% | 6,576 |
| Loan and lease loss provision to assets | 0.1750% | 2,083 |
| Net operating income to assets | 1.5646% | 803 |
| Return on assets (ROA) | 1.5646% | 852 |
| Pretax return on assets | 2.5936% | 223 |
| Return on Equity (ROE) | 15.3004% | 748 |
| Retained earnings to average equity (ytd only) | 15.3004% | 184 |
| Net charge-offs to loans | -0.0154% | 5,983 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2611% | 6,799 |
| Assets per employee ($millions) | 5.4867% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 5,414 |
| Loan loss allowance to noncurrent loans | 51.5110% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.8955% | 2,138 |
| Noncurrent loans to loans | 2.0932% | 2,138 |
| Net loans and leases to total assets | 89.5774% | 49 |
| Net loans and leases to deposits | 101.8201% | 392 |
| Net loans and leases to core deposits | 115.8969% | 395 |
| Total domestic deposits to total assets | 87.9762% | 2,145 |
| Equity capital to assets | 10.7298% | 3,038 |
| Core capital (leverage) ratio | 10.7879% | 2,687 |
| Tier 1 risk-based capital ratio | 11.9239% | 5,821 |
| Total risk-based capital ratio | 13.0102% | 5,875 |
| Memoranda: | ||
| Average total assets | $38,093,000 | 6,412 |
| Average earning assets | $36,141,500 | 6,351 |
| Average equity | $3,895,250 | 6,428 |
| Average total loans | $34,525,250 | 5,608 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2499% | 582 |
| Cost of funding earning assets | 1.0045% | 535 |
| Net interest margin | 4.2454% | 1,151 |
| Noninterest income to average assets | 0.3054% | 5,266 |
| Noninterest expense to average assets | 1.4952% | 6,671 |
| Loan and lease loss provision to assets | 0.2632% | 1,407 |
| Net operating income to assets | 1.5584% | 807 |
| Return on assets (ROA) | 1.5584% | 877 |
| Pretax return on assets | 2.5745% | 254 |
| Return on Equity (ROE) | 15.4974% | 736 |
| Retained earnings to average equity (ytd only) | 15.4974% | 212 |
| Net charge-offs to loans | -0.0174% | 5,928 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5079% | 6,858 |
| Assets per employee ($millions) | 5.3883% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 5,468 |
| Loan loss allowance to noncurrent loans | 57.1865% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 1.8294% | 2,369 |
| Noncurrent loans to loans | 1.9150% | 2,488 |
| Net loans and leases to total assets | 89.5541% | 53 |
| Net loans and leases to deposits | 101.5422% | 352 |
| Net loans and leases to core deposits | 115.8288% | 393 |
| Total domestic deposits to total assets | 88.1940% | 2,112 |
| Equity capital to assets | 10.5096% | 3,295 |
| Core capital (leverage) ratio | 10.3734% | 3,015 |
| Tier 1 risk-based capital ratio | 11.7036% | 5,994 |
| Total risk-based capital ratio | 12.8078% | 6,040 |
| Memoranda: | ||
| Average total assets | $37,988,330 | 6,455 |
| Average earning assets | $36,038,670 | 6,399 |
| Average equity | $3,820,000 | 6,492 |
| Average total loans | $34,440,670 | 5,644 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1235% | 710 |
| Cost of funding earning assets | 0.9849% | 666 |
| Net interest margin | 4.1386% | 1,352 |
| Noninterest income to average assets | 0.2833% | 5,434 |
| Noninterest expense to average assets | 1.5738% | 6,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5319% | 797 |
| Return on assets (ROA) | 1.5319% | 873 |
| Pretax return on assets | 2.6335% | 222 |
| Return on Equity (ROE) | 15.5816% | 667 |
| Retained earnings to average equity (ytd only) | 15.5816% | 308 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4065% | 6,910 |
| Assets per employee ($millions) | 6.3950% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 6,228 |
| Loan loss allowance to noncurrent loans | 85.8289% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.0685% | 3,794 |
| Noncurrent loans to loans | 1.0644% | 4,017 |
| Net loans and leases to total assets | 90.7349% | 28 |
| Net loans and leases to deposits | 103.5144% | 242 |
| Net loans and leases to core deposits | 123.0082% | 244 |
| Total domestic deposits to total assets | 87.6544% | 2,541 |
| Equity capital to assets | 9.9635% | 4,192 |
| Core capital (leverage) ratio | 10.2466% | 3,081 |
| Tier 1 risk-based capital ratio | 10.9686% | 6,421 |
| Total risk-based capital ratio | 11.8918% | 6,507 |
| Memoranda: | ||
| Average total assets | $38,123,500 | 6,514 |
| Average earning assets | $36,147,500 | 6,462 |
| Average equity | $3,748,000 | 6,573 |
| Average total loans | $34,585,000 | 5,684 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3817% | 786 |
| Cost of funding earning assets | 1.1588% | 706 |
| Net interest margin | 4.2228% | 1,595 |
| Noninterest income to average assets | 0.3153% | 5,198 |
| Noninterest expense to average assets | 1.6406% | 6,768 |
| Loan and lease loss provision to assets | 0.1460% | 3,777 |
| Net operating income to assets | 1.4830% | 953 |
| Return on assets (ROA) | 1.4830% | 1,053 |
| Pretax return on assets | 2.4434% | 273 |
| Return on Equity (ROE) | 14.3018% | 935 |
| Retained earnings to average equity (ytd only) | 10.0788% | 584 |
| Net charge-offs to loans | 0.1558% | 4,143 |
| Credit loss provision to net charge-offs | 106.3830% | 2,794 |
| Earnings coverage of net charge-offs (x) | 18.8723% | 1,418 |
| Efficiency ratio | 38.7854% | 6,952 |
| Assets per employee ($millions) | 6.3128% | 1,096 |
| Cash dividends to net income (ytd only)* | 29.5276% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 6,150 |
| Loan loss allowance to noncurrent loans | 90.4225% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.1353% | 3,758 |
| Noncurrent loans to loans | 1.0431% | 4,131 |
| Net loans and leases to total assets | 89.0065% | 68 |
| Net loans and leases to deposits | 103.4808% | 281 |
| Net loans and leases to core deposits | 123.0177% | 250 |
| Total domestic deposits to total assets | 86.0126% | 3,361 |
| Equity capital to assets | 9.6972% | 4,593 |
| Core capital (leverage) ratio | 10.3078% | 3,001 |
| Tier 1 risk-based capital ratio | 10.9070% | 6,383 |
| Total risk-based capital ratio | 11.8626% | 6,473 |
| Memoranda: | ||
| Average total assets | $34,255,200 | 6,650 |
| Average earning assets | $31,756,000 | 6,616 |
| Average equity | $3,552,000 | 6,678 |
| Average total loans | $30,159,600 | 5,941 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5467% | 623 |
| Cost of funding earning assets | 1.2019% | 685 |
| Net interest margin | 4.3449% | 1,357 |
| Noninterest income to average assets | 0.3438% | 5,060 |
| Noninterest expense to average assets | 1.4872% | 6,948 |
| Loan and lease loss provision to assets | 0.1999% | 3,081 |
| Net operating income to assets | 1.6352% | 785 |
| Return on assets (ROA) | 1.6352% | 866 |
| Pretax return on assets | 2.6746% | 224 |
| Return on Equity (ROE) | 15.4843% | 820 |
| Retained earnings to average equity (ytd only) | 15.4843% | 210 |
| Net charge-offs to loans | 0.1142% | 4,245 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 28.7621% | 1,136 |
| Efficiency ratio | 34.0972% | 7,091 |
| Assets per employee ($millions) | 5.8342% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 5,493 |
| Loan loss allowance to noncurrent loans | 100.8824% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.1855% | 3,920 |
| Noncurrent loans to loans | 1.1457% | 4,144 |
| Net loans and leases to total assets | 83.7995% | 239 |
| Net loans and leases to deposits | 94.5709% | 750 |
| Net loans and leases to core deposits | 113.0492% | 460 |
| Total domestic deposits to total assets | 88.6102% | 1,653 |
| Equity capital to assets | 10.6442% | 3,680 |
| Core capital (leverage) ratio | 10.9140% | 2,471 |
| Tier 1 risk-based capital ratio | 12.6172% | 5,548 |
| Total risk-based capital ratio | 13.7821% | 5,580 |
| Memoranda: | ||
| Average total assets | $33,349,750 | 6,753 |
| Average earning assets | $30,840,250 | 6,728 |
| Average equity | $3,521,750 | 6,764 |
| Average total loans | $29,191,000 | 6,061 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4958% | 727 |
| Cost of funding earning assets | 1.2206% | 747 |
| Net interest margin | 4.2752% | 1,533 |
| Noninterest income to average assets | 0.3293% | 5,194 |
| Noninterest expense to average assets | 1.4635% | 7,024 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7013% | 668 |
| Return on assets (ROA) | 1.7013% | 752 |
| Pretax return on assets | 2.8599% | 181 |
| Return on Equity (ROE) | 16.1567% | 749 |
| Retained earnings to average equity (ytd only) | 16.1567% | 218 |
| Net charge-offs to loans | 0.0896% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 36.0769% | 953 |
| Efficiency ratio | 33.8505% | 7,140 |
| Assets per employee ($millions) | 5.6638% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 6,110 |
| Loan loss allowance to noncurrent loans | 51.5203% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 1.9627% | 2,828 |
| Noncurrent loans to loans | 1.9633% | 2,984 |
| Net loans and leases to total assets | 87.8351% | 85 |
| Net loans and leases to deposits | 98.9623% | 471 |
| Net loans and leases to core deposits | 120.3977% | 304 |
| Total domestic deposits to total assets | 88.7561% | 1,668 |
| Equity capital to assets | 10.5788% | 3,592 |
| Core capital (leverage) ratio | 10.9643% | 2,336 |
| Tier 1 risk-based capital ratio | 12.1403% | 5,839 |
| Total risk-based capital ratio | 13.1729% | 5,947 |
| Memoranda: | ||
| Average total assets | $32,798,000 | 6,818 |
| Average earning assets | $30,641,670 | 6,780 |
| Average equity | $3,453,670 | 6,821 |
| Average total loans | $29,029,000 | 6,110 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5757% | 657 |
| Cost of funding earning assets | 1.2272% | 860 |
| Net interest margin | 4.3486% | 1,338 |
| Noninterest income to average assets | 0.3105% | 5,401 |
| Noninterest expense to average assets | 1.5401% | 7,023 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7264% | 684 |
| Return on assets (ROA) | 1.7264% | 764 |
| Pretax return on assets | 2.8194% | 222 |
| Return on Equity (ROE) | 16.4351% | 750 |
| Retained earnings to average equity (ytd only) | 16.4351% | 342 |
| Net charge-offs to loans | -0.0281% | 6,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3276% | 7,191 |
| Assets per employee ($millions) | 5.3928% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 5,856 |
| Loan loss allowance to noncurrent loans | 99.6885% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 1.2238% | 4,093 |
| Noncurrent loans to loans | 1.1156% | 4,465 |
| Net loans and leases to total assets | 87.9408% | 72 |
| Net loans and leases to deposits | 99.3436% | 394 |
| Net loans and leases to core deposits | 124.3445% | 248 |
| Total domestic deposits to total assets | 88.5218% | 1,999 |
| Equity capital to assets | 10.6654% | 3,303 |
| Core capital (leverage) ratio | 10.7636% | 2,478 |
| Tier 1 risk-based capital ratio | 11.9155% | 6,021 |
| Total risk-based capital ratio | 13.0223% | 6,089 |
| Memoranda: | ||
| Average total assets | $32,205,500 | 6,888 |
| Average earning assets | $29,987,000 | 6,848 |
| Average equity | $3,383,000 | 6,880 |
| Average total loans | $28,466,500 | 6,182 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7192% | 751 |
| Cost of funding earning assets | 1.4582% | 840 |
| Net interest margin | 4.2610% | 1,839 |
| Noninterest income to average assets | 0.3747% | 4,832 |
| Noninterest expense to average assets | 1.7517% | 7,009 |
| Loan and lease loss provision to assets | 0.3202% | 3,122 |
| Net operating income to assets | 1.4091% | 1,014 |
| Return on assets (ROA) | 1.4091% | 1,089 |
| Pretax return on assets | 2.2705% | 320 |
| Return on Equity (ROE) | 14.2681% | 869 |
| Retained earnings to average equity (ytd only) | 14.2681% | 161 |
| Net charge-offs to loans | 0.5202% | 2,911 |
| Credit loss provision to net charge-offs | 71.4286% | 4,800 |
| Earnings coverage of net charge-offs (x) | 5.7786% | 2,689 |
| Efficiency ratio | 40.3392% | 7,208 |
| Assets per employee ($millions) | 5.3423% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 5,696 |
| Loan loss allowance to noncurrent loans | 85.2547% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.3976% | 3,897 |
| Noncurrent loans to loans | 1.3247% | 4,165 |
| Net loans and leases to total assets | 86.8534% | 111 |
| Net loans and leases to deposits | 100.6544% | 429 |
| Net loans and leases to core deposits | 124.2025% | 297 |
| Total domestic deposits to total assets | 86.2888% | 3,148 |
| Equity capital to assets | 10.3419% | 3,725 |
| Core capital (leverage) ratio | 10.5446% | 2,670 |
| Tier 1 risk-based capital ratio | 11.6698% | 6,043 |
| Total risk-based capital ratio | 12.7920% | 6,124 |
| Memoranda: | ||
| Average total assets | $31,226,600 | 6,936 |
| Average earning assets | $29,077,400 | 6,901 |
| Average equity | $3,083,800 | 6,991 |
| Average total loans | $26,910,800 | 6,305 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8250% | 669 |
| Cost of funding earning assets | 1.5081% | 834 |
| Net interest margin | 4.3169% | 1,654 |
| Noninterest income to average assets | 0.3825% | 4,785 |
| Noninterest expense to average assets | 1.5259% | 7,212 |
| Loan and lease loss provision to assets | 0.4298% | 2,324 |
| Net operating income to assets | 1.4915% | 954 |
| Return on assets (ROA) | 1.4915% | 1,039 |
| Pretax return on assets | 2.4500% | 269 |
| Return on Equity (ROE) | 15.2895% | 790 |
| Retained earnings to average equity (ytd only) | 15.2895% | 212 |
| Net charge-offs to loans | 0.6667% | 2,245 |
| Credit loss provision to net charge-offs | 75.1880% | 4,303 |
| Earnings coverage of net charge-offs (x) | 5.0376% | 2,892 |
| Efficiency ratio | 34.6341% | 7,328 |
| Assets per employee ($millions) | 5.1753% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 5,402 |
| Loan loss allowance to noncurrent loans | 77.9376% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.6102% | 3,665 |
| Noncurrent loans to loans | 1.5607% | 3,949 |
| Net loans and leases to total assets | 84.9961% | 163 |
| Net loans and leases to deposits | 95.6026% | 722 |
| Net loans and leases to core deposits | 119.0375% | 416 |
| Total domestic deposits to total assets | 88.9057% | 1,480 |
| Equity capital to assets | 10.3697% | 3,867 |
| Core capital (leverage) ratio | 10.4401% | 2,946 |
| Tier 1 risk-based capital ratio | 11.8432% | 6,009 |
| Total risk-based capital ratio | 13.0408% | 6,034 |
| Memoranda: | ||
| Average total assets | $31,019,750 | 7,008 |
| Average earning assets | $28,909,250 | 6,967 |
| Average equity | $3,026,000 | 7,063 |
| Average total loans | $26,599,000 | 6,379 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7417% | 812 |
| Cost of funding earning assets | 1.5164% | 951 |
| Net interest margin | 4.2253% | 1,938 |
| Noninterest income to average assets | 0.3676% | 4,937 |
| Noninterest expense to average assets | 1.5028% | 7,304 |
| Loan and lease loss provision to assets | 0.6450% | 1,486 |
| Net operating income to assets | 1.3480% | 1,197 |
| Return on assets (ROA) | 1.3480% | 1,273 |
| Pretax return on assets | 2.1736% | 429 |
| Return on Equity (ROE) | 14.1153% | 954 |
| Retained earnings to average equity (ytd only) | 14.1153% | 303 |
| Net charge-offs to loans | 1.0015% | 1,570 |
| Credit loss provision to net charge-offs | 75.1880% | 3,908 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 3,228 |
| Efficiency ratio | 34.7761% | 7,404 |
| Assets per employee ($millions) | 6.1584% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 5,323 |
| Loan loss allowance to noncurrent loans | 118.1818% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.1626% | 4,567 |
| Noncurrent loans to loans | 1.0557% | 4,892 |
| Net loans and leases to total assets | 83.5379% | 271 |
| Net loans and leases to deposits | 93.4159% | 916 |
| Net loans and leases to core deposits | 117.6877% | 481 |
| Total domestic deposits to total assets | 89.4258% | 1,280 |
| Equity capital to assets | 9.9929% | 4,162 |
| Core capital (leverage) ratio | 10.0586% | 3,189 |
| Tier 1 risk-based capital ratio | 11.6060% | 6,085 |
| Total risk-based capital ratio | 12.8326% | 6,098 |
| Memoranda: | ||
| Average total assets | $31,009,000 | 7,073 |
| Average earning assets | $29,015,670 | 7,031 |
| Average equity | $2,961,330 | 7,140 |
| Average total loans | $26,559,330 | 6,448 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6542% | 967 |
| Cost of funding earning assets | 1.5446% | 1,001 |
| Net interest margin | 4.1096% | 2,230 |
| Noninterest income to average assets | 0.3599% | 5,027 |
| Noninterest expense to average assets | 1.4397% | 7,396 |
| Loan and lease loss provision to assets | 1.2855% | 537 |
| Net operating income to assets | 0.9255% | 2,457 |
| Return on assets (ROA) | 0.9255% | 2,518 |
| Pretax return on assets | 1.4654% | 1,553 |
| Return on Equity (ROE) | 9.9191% | 2,127 |
| Retained earnings to average equity (ytd only) | 9.9191% | 1,136 |
| Net charge-offs to loans | 1.9840% | 643 |
| Credit loss provision to net charge-offs | 75.1880% | 3,251 |
| Earnings coverage of net charge-offs (x) | 1.6090% | 3,509 |
| Efficiency ratio | 34.3558% | 7,464 |
| Assets per employee ($millions) | 6.2272% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 5,694 |
| Loan loss allowance to noncurrent loans | 181.5642% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8415% | 5,221 |
| Noncurrent loans to loans | 0.6539% | 5,721 |
| Net loans and leases to total assets | 86.8737% | 104 |
| Net loans and leases to deposits | 96.7210% | 641 |
| Net loans and leases to core deposits | 118.6776% | 453 |
| Total domestic deposits to total assets | 89.8189% | 1,268 |
| Equity capital to assets | 9.4392% | 4,517 |
| Core capital (leverage) ratio | 9.4312% | 3,913 |
| Tier 1 risk-based capital ratio | 10.6122% | 6,744 |
| Total risk-based capital ratio | 11.7862% | 6,777 |
| Memoranda: | ||
| Average total assets | $31,117,500 | 7,120 |
| Average earning assets | $29,005,000 | 7,080 |
| Average equity | $2,903,500 | 7,196 |
| Average total loans | $26,815,000 | 6,483 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2656% | 493 |
| Cost of funding earning assets | 1.8771% | 921 |
| Net interest margin | 4.3885% | 1,518 |
| Noninterest income to average assets | 0.5561% | 3,783 |
| Noninterest expense to average assets | 1.7511% | 7,302 |
| Loan and lease loss provision to assets | 0.6044% | 2,715 |
| Net operating income to assets | 1.3997% | 954 |
| Return on assets (ROA) | 1.3953% | 1,033 |
| Pretax return on assets | 2.2795% | 263 |
| Return on Equity (ROE) | 15.0848% | 704 |
| Retained earnings to average equity (ytd only) | 15.0848% | 123 |
| Net charge-offs to loans | 0.2220% | 4,957 |
| Credit loss provision to net charge-offs | 318.1818% | 821 |
| Earnings coverage of net charge-offs (x) | 15.2182% | 1,292 |
| Efficiency ratio | 37.7232% | 7,530 |
| Assets per employee ($millions) | 5.1832% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 4,683 |
| Loan loss allowance to noncurrent loans | 69.5146% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.9229% | 3,445 |
| Noncurrent loans to loans | 1.9615% | 3,619 |
| Net loans and leases to total assets | 83.2760% | 358 |
| Net loans and leases to deposits | 92.9076% | 1,150 |
| Net loans and leases to core deposits | 115.0409% | 674 |
| Total domestic deposits to total assets | 89.6331% | 1,301 |
| Equity capital to assets | 9.2222% | 4,801 |
| Core capital (leverage) ratio | 9.3938% | 3,853 |
| Tier 1 risk-based capital ratio | 10.6890% | 6,577 |
| Total risk-based capital ratio | 11.9417% | 6,543 |
| Memoranda: | ||
| Average total assets | $28,954,000 | 7,242 |
| Average earning assets | $26,956,600 | 7,197 |
| Average equity | $2,678,200 | 7,358 |
| Average total loans | $24,770,600 | 6,687 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3558% | 454 |
| Cost of funding earning assets | 1.9254% | 948 |
| Net interest margin | 4.4304% | 1,423 |
| Noninterest income to average assets | 0.6099% | 3,378 |
| Noninterest expense to average assets | 1.5905% | 7,508 |
| Loan and lease loss provision to assets | 0.4692% | 3,127 |
| Net operating income to assets | 1.6468% | 677 |
| Return on assets (ROA) | 1.6468% | 743 |
| Pretax return on assets | 2.6743% | 178 |
| Return on Equity (ROE) | 17.7892% | 497 |
| Retained earnings to average equity (ytd only) | 17.7892% | 111 |
| Net charge-offs to loans | 0.2405% | 4,501 |
| Credit loss provision to net charge-offs | 227.2727% | 1,512 |
| Earnings coverage of net charge-offs (x) | 15.2260% | 1,452 |
| Efficiency ratio | 33.5976% | 7,654 |
| Assets per employee ($millions) | 4.9663% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 5,802 |
| Loan loss allowance to noncurrent loans | 46.8153% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 2.3861% | 2,995 |
| Noncurrent loans to loans | 2.4174% | 3,214 |
| Net loans and leases to total assets | 86.1937% | 186 |
| Net loans and leases to deposits | 96.6181% | 915 |
| Net loans and leases to core deposits | 128.4971% | 403 |
| Total domestic deposits to total assets | 89.2107% | 1,279 |
| Equity capital to assets | 9.4503% | 4,918 |
| Core capital (leverage) ratio | 9.3797% | 4,088 |
| Tier 1 risk-based capital ratio | 10.5997% | 6,707 |
| Total risk-based capital ratio | 11.7071% | 6,797 |
| Memoranda: | ||
| Average total assets | $28,417,750 | 7,348 |
| Average earning assets | $26,452,750 | 7,300 |
| Average equity | $2,630,750 | 7,464 |
| Average total loans | $24,399,250 | 6,797 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0523% | 844 |
| Cost of funding earning assets | 1.9506% | 1,039 |
| Net interest margin | 4.1017% | 2,549 |
| Noninterest income to average assets | 0.6295% | 3,131 |
| Noninterest expense to average assets | 1.5667% | 7,585 |
| Loan and lease loss provision to assets | 0.3577% | 3,567 |
| Net operating income to assets | 1.5523% | 811 |
| Return on assets (ROA) | 1.5523% | 866 |
| Pretax return on assets | 2.5109% | 227 |
| Return on Equity (ROE) | 16.8937% | 584 |
| Retained earnings to average equity (ytd only) | 16.8937% | 160 |
| Net charge-offs to loans | -0.0503% | 7,450 |
| Credit loss provision to net charge-offs | -833.3333% | 6,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3226% | 7,704 |
| Assets per employee ($millions) | 6.1010% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,862 |
| Loan loss allowance to noncurrent loans | 66.6667% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.4457% | 4,291 |
| Noncurrent loans to loans | 1.6743% | 4,178 |
| Net loans and leases to total assets | 85.3794% | 266 |
| Net loans and leases to deposits | 96.2455% | 1,023 |
| Net loans and leases to core deposits | 127.8219% | 469 |
| Total domestic deposits to total assets | 88.7100% | 1,595 |
| Equity capital to assets | 8.7920% | 5,764 |
| Core capital (leverage) ratio | 9.5910% | 3,686 |
| Tier 1 risk-based capital ratio | 10.0314% | 7,004 |
| Total risk-based capital ratio | 11.1319% | 7,071 |
| Memoranda: | ||
| Average total assets | $27,957,670 | 7,416 |
| Average earning assets | $25,940,670 | 7,376 |
| Average equity | $2,569,000 | 7,529 |
| Average total loans | $23,873,000 | 6,873 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0683% | 840 |
| Cost of funding earning assets | 2.0442% | 958 |
| Net interest margin | 4.0241% | 2,773 |
| Noninterest income to average assets | 0.5846% | 3,377 |
| Noninterest expense to average assets | 1.6489% | 7,622 |
| Loan and lease loss provision to assets | 0.3748% | 3,122 |
| Net operating income to assets | 1.4391% | 1,004 |
| Return on assets (ROA) | 1.4391% | 1,080 |
| Pretax return on assets | 2.3085% | 343 |
| Return on Equity (ROE) | 15.2836% | 825 |
| Retained earnings to average equity (ytd only) | 15.2836% | 388 |
| Net charge-offs to loans | -0.1060% | 7,527 |
| Credit loss provision to net charge-offs | -416.6667% | 6,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0623% | 7,770 |
| Assets per employee ($millions) | 5.3878% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 5,613 |
| Loan loss allowance to noncurrent loans | 56.9915% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.7521% | 3,850 |
| Noncurrent loans to loans | 2.0678% | 3,697 |
| Net loans and leases to total assets | 83.7336% | 395 |
| Net loans and leases to deposits | 93.5199% | 1,402 |
| Net loans and leases to core deposits | 125.8550% | 590 |
| Total domestic deposits to total assets | 89.5356% | 1,218 |
| Equity capital to assets | 9.5030% | 4,529 |
| Core capital (leverage) ratio | 9.6536% | 3,574 |
| Tier 1 risk-based capital ratio | 11.0516% | 6,111 |
| Total risk-based capital ratio | 12.2138% | 6,166 |
| Memoranda: | ||
| Average total assets | $26,684,000 | 7,537 |
| Average earning assets | $24,850,500 | 7,503 |
| Average equity | $2,512,500 | 7,625 |
| Average total loans | $22,640,000 | 7,010 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3740% | 878 |
| Cost of funding earning assets | 2.6945% | 601 |
| Net interest margin | 3.6795% | 4,221 |
| Noninterest income to average assets | 0.4762% | 4,602 |
| Noninterest expense to average assets | 1.8603% | 7,554 |
| Loan and lease loss provision to assets | 0.4651% | 4,048 |
| Net operating income to assets | 0.9859% | 1,885 |
| Return on assets (ROA) | 0.9859% | 1,936 |
| Pretax return on assets | 1.5143% | 1,154 |
| Return on Equity (ROE) | 11.3773% | 1,327 |
| Retained earnings to average equity (ytd only) | 11.3773% | 258 |
| Net charge-offs to loans | 0.4457% | 4,006 |
| Credit loss provision to net charge-offs | 130.2083% | 3,919 |
| Earnings coverage of net charge-offs (x) | 5.5417% | 2,564 |
| Efficiency ratio | 48.4496% | 7,612 |
| Assets per employee ($millions) | 5.2858% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 6,087 |
| Loan loss allowance to noncurrent loans | 54.0909% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.6648% | 3,873 |
| Noncurrent loans to loans | 1.9596% | 3,717 |
| Net loans and leases to total assets | 84.0592% | 425 |
| Net loans and leases to deposits | 94.4156% | 1,548 |
| Net loans and leases to core deposits | 124.6829% | 1,593 |
| Total domestic deposits to total assets | 89.0310% | 1,469 |
| Equity capital to assets | 9.3269% | 4,671 |
| Core capital (leverage) ratio | 9.5034% | 3,717 |
| Tier 1 risk-based capital ratio | 10.8694% | 6,044 |
| Total risk-based capital ratio | 11.9197% | 6,210 |
| Memoranda: | ||
| Average total assets | $26,877,800 | 7,591 |
| Average earning assets | $24,568,400 | 7,560 |
| Average equity | $2,329,200 | 7,766 |
| Average total loans | $21,540,800 | 7,112 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4725% | 798 |
| Cost of funding earning assets | 2.8447% | 529 |
| Net interest margin | 3.6279% | 4,386 |
| Noninterest income to average assets | 0.4792% | 4,675 |
| Noninterest expense to average assets | 1.7092% | 7,757 |
| Loan and lease loss provision to assets | 0.6175% | 2,922 |
| Net operating income to assets | 0.9386% | 2,275 |
| Return on assets (ROA) | 0.9386% | 2,340 |
| Pretax return on assets | 1.4474% | 1,571 |
| Return on Equity (ROE) | 11.0371% | 1,612 |
| Retained earnings to average equity (ytd only) | 11.0371% | 469 |
| Net charge-offs to loans | 0.5755% | 2,950 |
| Credit loss provision to net charge-offs | 135.8696% | 3,655 |
| Earnings coverage of net charge-offs (x) | 4.5436% | 3,100 |
| Efficiency ratio | 45.2880% | 7,792 |
| Assets per employee ($millions) | 5.2758% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 5,727 |
| Loan loss allowance to noncurrent loans | 71.3864% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.2851% | 4,509 |
| Noncurrent loans to loans | 1.5403% | 4,335 |
| Net loans and leases to total assets | 82.5164% | 741 |
| Net loans and leases to deposits | 96.6606% | 1,493 |
| Net loans and leases to core deposits | 140.1159% | 911 |
| Total domestic deposits to total assets | 85.3671% | 3,044 |
| Equity capital to assets | 9.0602% | 5,398 |
| Core capital (leverage) ratio | 9.0537% | 4,571 |
| Tier 1 risk-based capital ratio | 10.7159% | 6,231 |
| Total risk-based capital ratio | 11.8027% | 6,372 |
| Memoranda: | ||
| Average total assets | $26,990,000 | 7,650 |
| Average earning assets | $24,513,250 | 7,629 |
| Average equity | $2,295,250 | 7,848 |
| Average total loans | $21,312,500 | 7,185 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4742% | 869 |
| Cost of funding earning assets | 2.9399% | 560 |
| Net interest margin | 3.5343% | 4,641 |
| Noninterest income to average assets | 0.4781% | 4,645 |
| Noninterest expense to average assets | 1.7063% | 7,824 |
| Loan and lease loss provision to assets | 0.7355% | 2,226 |
| Net operating income to assets | 0.8164% | 2,792 |
| Return on assets (ROA) | 0.8164% | 2,887 |
| Pretax return on assets | 1.2282% | 2,220 |
| Return on Equity (ROE) | 9.8071% | 2,087 |
| Retained earnings to average equity (ytd only) | 9.8071% | 770 |
| Net charge-offs to loans | 0.6357% | 2,448 |
| Credit loss provision to net charge-offs | 149.2537% | 3,096 |
| Earnings coverage of net charge-offs (x) | 3.9851% | 3,251 |
| Efficiency ratio | 46.4930% | 7,829 |
| Assets per employee ($millions) | 5.4618% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 5,660 |
| Loan loss allowance to noncurrent loans | 69.5402% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.3182% | 4,309 |
| Noncurrent loans to loans | 1.5695% | 4,145 |
| Net loans and leases to total assets | 80.3069% | 1,258 |
| Net loans and leases to deposits | 91.4363% | 2,583 |
| Net loans and leases to core deposits | 124.4877% | 1,978 |
| Total domestic deposits to total assets | 87.8282% | 1,850 |
| Equity capital to assets | 8.4624% | 6,099 |
| Core capital (leverage) ratio | 8.7101% | 5,070 |
| Tier 1 risk-based capital ratio | 10.1979% | 6,720 |
| Total risk-based capital ratio | 11.2672% | 6,834 |
| Memoranda: | ||
| Average total assets | $27,193,670 | 7,717 |
| Average earning assets | $24,559,000 | 7,701 |
| Average equity | $2,263,670 | 7,937 |
| Average total loans | $21,080,330 | 7,265 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4334% | 989 |
| Cost of funding earning assets | 3.0776% | 490 |
| Net interest margin | 3.3558% | 5,304 |
| Noninterest income to average assets | 0.4127% | 5,112 |
| Noninterest expense to average assets | 1.5478% | 7,948 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1792% | 1,716 |
| Return on assets (ROA) | 1.1792% | 1,823 |
| Pretax return on assets | 1.8868% | 825 |
| Return on Equity (ROE) | 14.2857% | 1,108 |
| Retained earnings to average equity (ytd only) | 14.2857% | 490 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0644% | 7,889 |
| Assets per employee ($millions) | 5.3964% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 6,210 |
| Loan loss allowance to noncurrent loans | 60.7558% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.3565% | 3,951 |
| Noncurrent loans to loans | 1.6407% | 3,813 |
| Net loans and leases to total assets | 76.9328% | 2,053 |
| Net loans and leases to deposits | 84.7784% | 3,855 |
| Net loans and leases to core deposits | 108.5613% | 3,608 |
| Total domestic deposits to total assets | 90.7457% | 496 |
| Equity capital to assets | 8.4538% | 6,147 |
| Core capital (leverage) ratio | 8.6684% | 5,215 |
| Tier 1 risk-based capital ratio | 10.5666% | 6,325 |
| Total risk-based capital ratio | 11.5356% | 6,533 |
| Memoranda: | ||
| Average total assets | $27,136,000 | 7,762 |
| Average earning assets | $24,435,000 | 7,745 |
| Average equity | $2,240,000 | 7,996 |
| Average total loans | $20,534,000 | 7,333 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7766% | 1,763 |
| Cost of funding earning assets | 3.6959% | 271 |
| Net interest margin | 3.0807% | 6,703 |
| Noninterest income to average assets | 0.4106% | 5,388 |
| Noninterest expense to average assets | 1.6503% | 7,915 |
| Loan and lease loss provision to assets | 0.3019% | 3,959 |
| Net operating income to assets | 0.8533% | 3,214 |
| Return on assets (ROA) | 0.8533% | 3,049 |
| Pretax return on assets | 1.3001% | 2,310 |
| Return on Equity (ROE) | 10.1145% | 2,222 |
| Retained earnings to average equity (ytd only) | 10.1145% | 433 |
| Net charge-offs to loans | 0.4790% | 2,436 |
| Credit loss provision to net charge-offs | 84.2697% | 5,798 |
| Earnings coverage of net charge-offs (x) | 4.4719% | 3,968 |
| Efficiency ratio | 50.7426% | 7,609 |
| Assets per employee ($millions) | 5.4580% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 5,715 |
| Loan loss allowance to noncurrent loans | 93.7220% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.8978% | 4,601 |
| Noncurrent loans to loans | 1.1094% | 4,333 |
| Net loans and leases to total assets | 72.8912% | 3,386 |
| Net loans and leases to deposits | 80.0064% | 5,040 |
| Net loans and leases to core deposits | 103.2868% | 4,468 |
| Total domestic deposits to total assets | 91.1066% | 300 |
| Equity capital to assets | 8.0579% | 6,767 |
| Core capital (leverage) ratio | 8.5721% | 5,442 |
| Tier 1 risk-based capital ratio | 10.4654% | 6,241 |
| Total risk-based capital ratio | 11.4601% | 6,372 |
| Memoranda: | ||
| Average total assets | $24,844,400 | 7,845 |
| Average earning assets | $22,917,000 | 7,825 |
| Average equity | $2,096,000 | 8,106 |
| Average total loans | $18,578,600 | 7,426 |