Home > Huron State Bank > Performance and Condition Ratios
Huron State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 2,913 |
| Cost of funding earning assets | 0.8146% | 3,696 |
| Net interest margin | 3.7771% | 1,601 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.1402% | 3,293 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3130% | 1,410 |
| Return on assets (ROA) | 1.3130% | 1,376 |
| Pretax return on assets | 1.5715% | 1,289 |
| Return on Equity (ROE) | 11.2900% | 2,148 |
| Retained earnings to average equity (ytd only) | 7.3742% | 1,766 |
| Net charge-offs to loans | -0.0562% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.6158% | 3,433 |
| Assets per employee ($millions) | 7.1608% | 1,970 |
| Cash dividends to net income (ytd only)* | 34.7070% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 1,013 |
| Loan loss allowance to noncurrent loans | 130.7823% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 767 |
| Noncurrent loans to loans | 1.1562% | 626 |
| Net loans and leases to total assets | 58.2900% | 3,012 |
| Net loans and leases to deposits | 66.3703% | 3,148 |
| Net loans and leases to core deposits | 70.3449% | 3,287 |
| Total domestic deposits to total assets | 87.8200% | 1,412 |
| Equity capital to assets | 12.0506% | 1,112 |
| Core capital (leverage) ratio | 13.2878% | 968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $83,170,200 | 3,990 |
| Average earning assets | $77,704,800 | 3,951 |
| Average equity | $9,668,800 | 3,753 |
| Average total loans | $49,817,600 | 3,847 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 3,025 |
| Cost of funding earning assets | 0.7388% | 3,679 |
| Net interest margin | 3.7007% | 1,774 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.1209% | 3,304 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.2075% | 1,777 |
| Return on assets (ROA) | 1.2075% | 1,763 |
| Pretax return on assets | 1.5017% | 1,548 |
| Return on Equity (ROE) | 10.4900% | 2,504 |
| Retained earnings to average equity (ytd only) | 5.1663% | 2,878 |
| Net charge-offs to loans | -0.0511% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.1429% | 3,297 |
| Assets per employee ($millions) | 5.9942% | 2,765 |
| Cash dividends to net income (ytd only)* | 50.7363% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 1,208 |
| Loan loss allowance to noncurrent loans | 99.2063% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8408% | 659 |
| Noncurrent loans to loans | 1.4778% | 497 |
| Net loans and leases to total assets | 56.0600% | 3,196 |
| Net loans and leases to deposits | 62.8172% | 3,347 |
| Net loans and leases to core deposits | 66.3049% | 3,411 |
| Total domestic deposits to total assets | 89.2500% | 1,176 |
| Equity capital to assets | 10.5647% | 1,526 |
| Core capital (leverage) ratio | 13.0961% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $82,480,500 | 4,012 |
| Average earning assets | $77,064,500 | 3,973 |
| Average equity | $9,497,250 | 3,770 |
| Average total loans | $49,558,000 | 3,856 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 2,705 |
| Cost of funding earning assets | 0.6116% | 3,718 |
| Net interest margin | 3.8653% | 1,500 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.2174% | 3,024 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.2025% | 1,829 |
| Return on assets (ROA) | 1.2025% | 1,816 |
| Pretax return on assets | 1.5424% | 1,513 |
| Return on Equity (ROE) | 10.1300% | 2,666 |
| Retained earnings to average equity (ytd only) | 2.1481% | 3,687 |
| Net charge-offs to loans | -0.0449% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.5600% | 3,251 |
| Assets per employee ($millions) | 5.8334% | 2,854 |
| Cash dividends to net income (ytd only)* | 78.7942% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 1,412 |
| Loan loss allowance to noncurrent loans | 138.6233% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.6404% | 830 |
| Noncurrent loans to loans | 1.0336% | 724 |
| Net loans and leases to total assets | 61.0700% | 2,665 |
| Net loans and leases to deposits | 69.2419% | 2,839 |
| Net loans and leases to core deposits | 73.1731% | 2,952 |
| Total domestic deposits to total assets | 88.2000% | 1,531 |
| Equity capital to assets | 11.6092% | 1,173 |
| Core capital (leverage) ratio | 13.4177% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $80,003,000 | 4,047 |
| Average earning assets | $74,560,333 | 4,019 |
| Average equity | $9,496,667 | 3,798 |
| Average total loans | $49,025,000 | 3,872 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 2,637 |
| Cost of funding earning assets | 0.4551% | 3,826 |
| Net interest margin | 3.9121% | 1,458 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.3494% | 2,673 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.1823% | 1,982 |
| Return on assets (ROA) | 1.1823% | 1,944 |
| Pretax return on assets | 1.5359% | 1,592 |
| Return on Equity (ROE) | 9.8500% | 2,829 |
| Retained earnings to average equity (ytd only) | 8.3750% | 2,125 |
| Net charge-offs to loans | -0.0498% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.3113% | 2,922 |
| Assets per employee ($millions) | 6.1243% | 2,655 |
| Cash dividends to net income (ytd only)* | 14.9573% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,631 |
| Loan loss allowance to noncurrent loans | 124.9084% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 720 |
| Noncurrent loans to loans | 1.1191% | 634 |
| Net loans and leases to total assets | 60.4300% | 2,606 |
| Net loans and leases to deposits | 68.9009% | 2,701 |
| Net loans and leases to core deposits | 71.9889% | 2,814 |
| Total domestic deposits to total assets | 87.7000% | 2,024 |
| Equity capital to assets | 12.1433% | 958 |
| Core capital (leverage) ratio | 13.7222% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $79,170,500 | 4,108 |
| Average earning assets | $73,822,000 | 4,084 |
| Average equity | $9,504,500 | 3,837 |
| Average total loans | $48,236,500 | 3,934 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 2,145 |
| Cost of funding earning assets | 0.3464% | 2,507 |
| Net interest margin | 3.5015% | 1,927 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.1951% | 3,041 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.1136% | 2,112 |
| Return on assets (ROA) | 1.1136% | 2,049 |
| Pretax return on assets | 1.3176% | 2,024 |
| Return on Equity (ROE) | 9.2800% | 3,038 |
| Retained earnings to average equity (ytd only) | 5.8496% | 2,697 |
| Net charge-offs to loans | 0.1232% | 629 |
| Credit loss provision to net charge-offs | 163.4615% | 1,244 |
| Earnings coverage of net charge-offs (x) | 21.3846% | 1,858 |
| Efficiency ratio | 60.6093% | 2,970 |
| Assets per employee ($millions) | 6.0558% | 2,711 |
| Cash dividends to net income (ytd only)* | 36.9816% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,011 |
| Loan loss allowance to noncurrent loans | 115.7795% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 740 |
| Noncurrent loans to loans | 1.1031% | 654 |
| Net loans and leases to total assets | 59.8000% | 2,646 |
| Net loans and leases to deposits | 67.9092% | 2,735 |
| Net loans and leases to core deposits | 70.3994% | 2,848 |
| Total domestic deposits to total assets | 88.0500% | 2,058 |
| Equity capital to assets | 11.8654% | 970 |
| Core capital (leverage) ratio | 13.5433% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $77,947,200 | 4,150 |
| Average earning assets | $72,740,200 | 4,127 |
| Average equity | $9,351,000 | 3,956 |
| Average total loans | $42,223,000 | 4,025 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6610% | 2,163 |
| Cost of funding earning assets | 0.3453% | 1,743 |
| Net interest margin | 3.3157% | 2,252 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.1881% | 2,966 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0289% | 2,369 |
| Return on assets (ROA) | 1.0289% | 2,338 |
| Pretax return on assets | 1.1643% | 2,504 |
| Return on Equity (ROE) | 8.5500% | 3,166 |
| Retained earnings to average equity (ytd only) | 3.9770% | 3,451 |
| Net charge-offs to loans | 0.1044% | 592 |
| Credit loss provision to net charge-offs | 109.3750% | 1,276 |
| Earnings coverage of net charge-offs (x) | 22.3125% | 1,671 |
| Efficiency ratio | 64.1206% | 2,535 |
| Assets per employee ($millions) | 5.5279% | 3,186 |
| Cash dividends to net income (ytd only)* | 53.5000% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 1,972 |
| Loan loss allowance to noncurrent loans | 116.2651% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8394% | 594 |
| Noncurrent loans to loans | 1.1298% | 655 |
| Net loans and leases to total assets | 52.4600% | 3,240 |
| Net loans and leases to deposits | 58.7711% | 3,290 |
| Net loans and leases to core deposits | 61.0389% | 3,301 |
| Total domestic deposits to total assets | 89.2600% | 1,979 |
| Equity capital to assets | 10.5947% | 1,336 |
| Core capital (leverage) ratio | 13.2635% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $77,752,750 | 4,182 |
| Average earning assets | $72,583,000 | 4,154 |
| Average equity | $9,353,500 | 3,997 |
| Average total loans | $40,858,000 | 4,071 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5577% | 1,967 |
| Cost of funding earning assets | 0.3467% | 1,297 |
| Net interest margin | 3.2109% | 2,154 |
| Noninterest income to average assets | 0.3709% | 2,921 |
| Noninterest expense to average assets | 2.2228% | 2,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0154% | 2,099 |
| Return on assets (ROA) | 1.0154% | 2,069 |
| Pretax return on assets | 1.1443% | 2,259 |
| Return on Equity (ROE) | 8.0897% | 2,995 |
| Retained earnings to average equity (ytd only) | 1.3413% | 3,913 |
| Net charge-offs to loans | 0.0855% | 643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 25.5882% | 1,460 |
| Efficiency ratio | 66.0156% | 2,506 |
| Assets per employee ($millions) | 5.1225% | 3,575 |
| Cash dividends to net income (ytd only)* | 83.4197% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 2,017 |
| Loan loss allowance to noncurrent loans | 100.3591% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 484 |
| Noncurrent loans to loans | 1.3317% | 586 |
| Net loans and leases to total assets | 53.7059% | 2,996 |
| Net loans and leases to deposits | 60.9506% | 2,976 |
| Net loans and leases to core deposits | 62.5612% | 3,071 |
| Total domestic deposits to total assets | 88.1138% | 2,528 |
| Equity capital to assets | 11.7522% | 948 |
| Core capital (leverage) ratio | 13.5480% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,030,667 | 4,245 |
| Average earning assets | $70,945,667 | 4,236 |
| Average equity | $9,543,000 | 4,044 |
| Average total loans | $39,784,333 | 4,141 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4073% | 2,067 |
| Cost of funding earning assets | 0.3492% | 1,210 |
| Net interest margin | 3.0581% | 2,298 |
| Noninterest income to average assets | 0.5395% | 1,951 |
| Noninterest expense to average assets | 2.2796% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9943% | 1,897 |
| Return on assets (ROA) | 0.9943% | 1,895 |
| Pretax return on assets | 1.1319% | 2,044 |
| Return on Equity (ROE) | 7.6739% | 2,816 |
| Retained earnings to average equity (ytd only) | 6.2452% | 2,158 |
| Net charge-offs to loans | 0.3096% | 209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 7.1333% | 1,549 |
| Efficiency ratio | 66.8217% | 2,662 |
| Assets per employee ($millions) | 5.0718% | 3,693 |
| Cash dividends to net income (ytd only)* | 18.6170% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 1,881 |
| Loan loss allowance to noncurrent loans | 88.2068% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.0739% | 448 |
| Noncurrent loans to loans | 1.5940% | 505 |
| Net loans and leases to total assets | 50.3266% | 3,136 |
| Net loans and leases to deposits | 57.5450% | 3,118 |
| Net loans and leases to core deposits | 59.0885% | 3,229 |
| Total domestic deposits to total assets | 87.4561% | 2,759 |
| Equity capital to assets | 12.4348% | 827 |
| Core capital (leverage) ratio | 13.7095% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,627,500 | 4,278 |
| Average earning assets | $71,025,000 | 4,257 |
| Average equity | $9,799,500 | 4,077 |
| Average total loans | $38,764,000 | 4,177 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4778% | 2,726 |
| Cost of funding earning assets | 0.4006% | 1,541 |
| Net interest margin | 3.0772% | 2,973 |
| Noninterest income to average assets | 0.3430% | 3,363 |
| Noninterest expense to average assets | 2.2837% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7936% | 3,353 |
| Return on assets (ROA) | 0.7981% | 3,409 |
| Pretax return on assets | 0.9621% | 3,354 |
| Return on Equity (ROE) | 5.8064% | 3,815 |
| Retained earnings to average equity (ytd only) | 2.6944% | 3,763 |
| Net charge-offs to loans | -0.1357% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4766% | 1,682 |
| Assets per employee ($millions) | 5.0119% | 3,716 |
| Cash dividends to net income (ytd only)* | 53.5959% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 1,594 |
| Loan loss allowance to noncurrent loans | 81.1268% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 578 |
| Noncurrent loans to loans | 1.8349% | 451 |
| Net loans and leases to total assets | 50.7050% | 3,200 |
| Net loans and leases to deposits | 58.7830% | 3,187 |
| Net loans and leases to core deposits | 60.1854% | 3,303 |
| Total domestic deposits to total assets | 86.2579% | 2,818 |
| Equity capital to assets | 13.4867% | 769 |
| Core capital (leverage) ratio | 13.4904% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,169,600 | 4,303 |
| Average earning assets | $68,894,800 | 4,280 |
| Average equity | $10,057,800 | 4,119 |
| Average total loans | $36,114,400 | 4,268 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4491% | 2,961 |
| Cost of funding earning assets | 0.4092% | 1,629 |
| Net interest margin | 3.0399% | 3,207 |
| Noninterest income to average assets | 0.3578% | 3,313 |
| Noninterest expense to average assets | 2.2972% | 2,762 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7809% | 3,573 |
| Return on assets (ROA) | 0.7871% | 3,625 |
| Pretax return on assets | 0.9302% | 3,631 |
| Return on Equity (ROE) | 5.6985% | 3,985 |
| Retained earnings to average equity (ytd only) | 1.7932% | 4,248 |
| Net charge-offs to loans | -0.2105% | 4,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3390% | 1,456 |
| Assets per employee ($millions) | 4.8320% | 3,859 |
| Cash dividends to net income (ytd only)* | 68.5315% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 1,532 |
| Loan loss allowance to noncurrent loans | 98.1481% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 938 |
| Noncurrent loans to loans | 1.5550% | 672 |
| Net loans and leases to total assets | 48.6561% | 3,558 |
| Net loans and leases to deposits | 56.1825% | 3,565 |
| Net loans and leases to core deposits | 57.4770% | 3,662 |
| Total domestic deposits to total assets | 86.6036% | 2,504 |
| Equity capital to assets | 13.0963% | 956 |
| Core capital (leverage) ratio | 13.6833% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,667,500 | 4,361 |
| Average earning assets | $68,421,750 | 4,338 |
| Average equity | $10,037,500 | 4,179 |
| Average total loans | $35,469,250 | 4,335 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4117% | 3,144 |
| Cost of funding earning assets | 0.4253% | 1,694 |
| Net interest margin | 2.9864% | 3,360 |
| Noninterest income to average assets | 0.4303% | 2,951 |
| Noninterest expense to average assets | 2.3566% | 2,599 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7368% | 3,668 |
| Return on assets (ROA) | 0.7368% | 3,737 |
| Pretax return on assets | 0.8774% | 3,711 |
| Return on Equity (ROE) | 5.2356% | 4,086 |
| Retained earnings to average equity (ytd only) | -0.6195% | 4,573 |
| Net charge-offs to loans | -0.2836% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8696% | 1,345 |
| Assets per employee ($millions) | 4.5389% | 4,079 |
| Cash dividends to net income (ytd only)* | 111.8321% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 1,345 |
| Loan loss allowance to noncurrent loans | 100.3484% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 1,025 |
| Noncurrent loans to loans | 1.5688% | 710 |
| Net loans and leases to total assets | 49.5897% | 3,595 |
| Net loans and leases to deposits | 57.6614% | 3,575 |
| Net loans and leases to core deposits | 58.8438% | 3,699 |
| Total domestic deposits to total assets | 86.0015% | 2,740 |
| Equity capital to assets | 13.7204% | 770 |
| Core capital (leverage) ratio | 13.6621% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,119,333 | 4,406 |
| Average earning assets | $66,769,667 | 4,386 |
| Average equity | $10,008,333 | 4,200 |
| Average total loans | $34,559,000 | 4,384 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3374% | 3,370 |
| Cost of funding earning assets | 0.4422% | 1,779 |
| Net interest margin | 2.8952% | 3,542 |
| Noninterest income to average assets | 0.2217% | 4,053 |
| Noninterest expense to average assets | 2.4272% | 2,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3865% | 4,386 |
| Return on assets (ROA) | 0.3865% | 4,414 |
| Pretax return on assets | 0.5116% | 4,325 |
| Return on Equity (ROE) | 2.7117% | 4,523 |
| Retained earnings to average equity (ytd only) | 1.5154% | 4,119 |
| Net charge-offs to loans | -0.1908% | 4,777 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5919% | 669 |
| Assets per employee ($millions) | 4.4307% | 4,169 |
| Cash dividends to net income (ytd only)* | 44.1176% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6108% | 1,259 |
| Loan loss allowance to noncurrent loans | 88.0065% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 856 |
| Noncurrent loans to loans | 1.8303% | 622 |
| Net loans and leases to total assets | 46.7859% | 3,905 |
| Net loans and leases to deposits | 54.6607% | 3,895 |
| Net loans and leases to core deposits | 55.5329% | 4,009 |
| Total domestic deposits to total assets | 85.5934% | 2,894 |
| Equity capital to assets | 14.0794% | 656 |
| Core capital (leverage) ratio | 14.2546% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,368,000 | 4,430 |
| Average earning assets | $66,040,000 | 4,411 |
| Average equity | $10,030,500 | 4,214 |
| Average total loans | $33,544,000 | 4,421 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 3,271 |
| Cost of funding earning assets | 0.5256% | 2,777 |
| Net interest margin | 3.2848% | 3,108 |
| Noninterest income to average assets | 0.2502% | 3,991 |
| Noninterest expense to average assets | 2.5154% | 2,800 |
| Loan and lease loss provision to assets | -0.1668% | 4,975 |
| Net operating income to assets | 0.7490% | 3,263 |
| Return on assets (ROA) | 0.7490% | 3,390 |
| Pretax return on assets | 0.9810% | 3,102 |
| Return on Equity (ROE) | 4.9743% | 3,914 |
| Retained earnings to average equity (ytd only) | 1.6715% | 3,964 |
| Net charge-offs to loans | -0.5693% | 4,956 |
| Credit loss provision to net charge-offs | 55.8376% | 3,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5464% | 1,287 |
| Assets per employee ($millions) | 4.3653% | 4,056 |
| Cash dividends to net income (ytd only)* | 66.3968% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 1,355 |
| Loan loss allowance to noncurrent loans | 68.4416% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.2027% | 722 |
| Noncurrent loans to loans | 2.3069% | 461 |
| Net loans and leases to total assets | 47.0341% | 4,051 |
| Net loans and leases to deposits | 55.1663% | 4,058 |
| Net loans and leases to core deposits | 56.5548% | 4,123 |
| Total domestic deposits to total assets | 85.2588% | 2,668 |
| Equity capital to assets | 14.4320% | 694 |
| Core capital (leverage) ratio | 14.5044% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,953,600 | 4,431 |
| Average earning assets | $61,830,200 | 4,421 |
| Average equity | $9,931,000 | 4,203 |
| Average total loans | $34,603,800 | 4,416 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 3,148 |
| Cost of funding earning assets | 0.5401% | 2,992 |
| Net interest margin | 3.3981% | 2,929 |
| Noninterest income to average assets | 0.2360% | 4,083 |
| Noninterest expense to average assets | 2.6387% | 2,420 |
| Loan and lease loss provision to assets | -0.2262% | 5,013 |
| Net operating income to assets | 0.7735% | 3,195 |
| Return on assets (ROA) | 0.7735% | 3,309 |
| Pretax return on assets | 1.0116% | 3,028 |
| Return on Equity (ROE) | 5.0805% | 3,872 |
| Retained earnings to average equity (ytd only) | 0.9433% | 4,272 |
| Net charge-offs to loans | -0.6875% | 4,984 |
| Credit loss provision to net charge-offs | 61.1111% | 2,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0521% | 1,118 |
| Assets per employee ($millions) | 4.4308% | 3,924 |
| Cash dividends to net income (ytd only)* | 81.4324% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 1,415 |
| Loan loss allowance to noncurrent loans | 86.1486% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.0763% | 990 |
| Noncurrent loans to loans | 1.7295% | 782 |
| Net loans and leases to total assets | 47.5646% | 4,233 |
| Net loans and leases to deposits | 55.6105% | 4,279 |
| Net loans and leases to core deposits | 56.2187% | 4,376 |
| Total domestic deposits to total assets | 85.5317% | 2,242 |
| Equity capital to assets | 14.0973% | 828 |
| Core capital (leverage) ratio | 14.8234% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,980,750 | 4,457 |
| Average earning assets | $60,974,500 | 4,445 |
| Average equity | $9,893,750 | 4,213 |
| Average total loans | $34,910,250 | 4,439 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 3,158 |
| Cost of funding earning assets | 0.5656% | 3,151 |
| Net interest margin | 3.4953% | 2,802 |
| Noninterest income to average assets | 0.2285% | 4,117 |
| Noninterest expense to average assets | 2.7361% | 2,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5840% | 3,787 |
| Return on assets (ROA) | 0.5840% | 3,869 |
| Pretax return on assets | 0.7681% | 3,677 |
| Return on Equity (ROE) | 3.7321% | 4,185 |
| Retained earnings to average equity (ytd only) | -2.4948% | 4,622 |
| Net charge-offs to loans | -0.6318% | 5,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0797% | 1,047 |
| Assets per employee ($millions) | 4.0166% | 4,290 |
| Cash dividends to net income (ytd only)* | 166.8478% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 1,007 |
| Loan loss allowance to noncurrent loans | 77.1709% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.3491% | 745 |
| Noncurrent loans to loans | 2.0747% | 631 |
| Net loans and leases to total assets | 52.6919% | 3,974 |
| Net loans and leases to deposits | 62.3226% | 3,990 |
| Net loans and leases to core deposits | 63.0901% | 4,120 |
| Total domestic deposits to total assets | 84.5470% | 2,545 |
| Equity capital to assets | 15.1853% | 592 |
| Core capital (leverage) ratio | 14.9616% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,010,000 | 4,495 |
| Average earning assets | $59,051,000 | 4,478 |
| Average equity | $9,860,333 | 4,233 |
| Average total loans | $35,137,000 | 4,454 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 2,700 |
| Cost of funding earning assets | 0.5733% | 3,573 |
| Net interest margin | 3.8017% | 1,969 |
| Noninterest income to average assets | 0.2180% | 4,247 |
| Noninterest expense to average assets | 2.9111% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6733% | 3,354 |
| Return on assets (ROA) | 0.6733% | 3,424 |
| Pretax return on assets | 0.8785% | 3,195 |
| Return on Equity (ROE) | 4.2377% | 3,887 |
| Retained earnings to average equity (ytd only) | 4.2377% | 2,589 |
| Net charge-offs to loans | -0.8564% | 5,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8190% | 1,471 |
| Assets per employee ($millions) | 3.8907% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4742% | 1,433 |
| Loan loss allowance to noncurrent loans | 58.4371% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.7879% | 513 |
| Noncurrent loans to loans | 2.5228% | 474 |
| Net loans and leases to total assets | 55.3967% | 3,879 |
| Net loans and leases to deposits | 66.1392% | 3,855 |
| Net loans and leases to core deposits | 66.9937% | 4,032 |
| Total domestic deposits to total assets | 83.7577% | 2,865 |
| Equity capital to assets | 16.0303% | 576 |
| Core capital (leverage) ratio | 15.5982% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0120% | 442 |
| Memoranda: | ||
| Average total assets | $62,382,000 | 4,523 |
| Average earning assets | $58,605,000 | 4,505 |
| Average equity | $9,911,000 | 4,252 |
| Average total loans | $35,498,500 | 4,465 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 2,892 |
| Cost of funding earning assets | 0.5649% | 3,802 |
| Net interest margin | 3.9490% | 2,004 |
| Noninterest income to average assets | 0.1546% | 4,718 |
| Noninterest expense to average assets | 2.7872% | 2,647 |
| Loan and lease loss provision to assets | 0.4207% | 333 |
| Net operating income to assets | 0.5418% | 4,309 |
| Return on assets (ROA) | 0.5418% | 4,363 |
| Pretax return on assets | 0.6566% | 4,310 |
| Return on Equity (ROE) | 3.5113% | 4,574 |
| Retained earnings to average equity (ytd only) | 0.4028% | 4,573 |
| Net charge-offs to loans | 0.6029% | 310 |
| Credit loss provision to net charge-offs | 117.3333% | 2,153 |
| Earnings coverage of net charge-offs (x) | 3.0044% | 3,365 |
| Efficiency ratio | 72.1237% | 1,849 |
| Assets per employee ($millions) | 3.9071% | 4,024 |
| Cash dividends to net income (ytd only)* | 88.5294% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,311 |
| Loan loss allowance to noncurrent loans | 48.1400% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.8380% | 462 |
| Noncurrent loans to loans | 2.5392% | 420 |
| Net loans and leases to total assets | 56.8778% | 3,857 |
| Net loans and leases to deposits | 67.6150% | 3,850 |
| Net loans and leases to core deposits | 68.4876% | 4,054 |
| Total domestic deposits to total assets | 84.1201% | 2,813 |
| Equity capital to assets | 15.7455% | 650 |
| Core capital (leverage) ratio | 15.5774% | 581 |
| Tier 1 risk-based capital ratio | 22.9605% | 916 |
| Total risk-based capital ratio | 23.9926% | 924 |
| Memoranda: | ||
| Average total assets | $62,750,600 | 4,553 |
| Average earning assets | $58,952,000 | 4,537 |
| Average equity | $9,683,000 | 4,285 |
| Average total loans | $37,317,600 | 4,469 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 2,924 |
| Cost of funding earning assets | 0.5630% | 3,851 |
| Net interest margin | 3.9772% | 2,030 |
| Noninterest income to average assets | 0.1380% | 4,845 |
| Noninterest expense to average assets | 2.8445% | 2,423 |
| Loan and lease loss provision to assets | 0.6050% | 189 |
| Net operating income to assets | 0.2696% | 4,878 |
| Return on assets (ROA) | 0.2696% | 4,891 |
| Pretax return on assets | 0.4224% | 4,787 |
| Return on Equity (ROE) | 1.7560% | 4,927 |
| Retained earnings to average equity (ytd only) | -2.3367% | 4,952 |
| Net charge-offs to loans | 0.8606% | 175 |
| Credit loss provision to net charge-offs | 117.2840% | 1,995 |
| Earnings coverage of net charge-offs (x) | 1.9918% | 3,232 |
| Efficiency ratio | 73.4649% | 1,644 |
| Assets per employee ($millions) | 4.5659% | 3,099 |
| Cash dividends to net income (ytd only)* | 233.0715% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,507 |
| Loan loss allowance to noncurrent loans | 36.0456% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 2.4405% | 290 |
| Noncurrent loans to loans | 3.3292% | 261 |
| Net loans and leases to total assets | 57.0586% | 3,962 |
| Net loans and leases to deposits | 67.3630% | 3,965 |
| Net loans and leases to core deposits | 68.2134% | 4,161 |
| Total domestic deposits to total assets | 84.7032% | 2,536 |
| Equity capital to assets | 15.0856% | 829 |
| Core capital (leverage) ratio | 15.6906% | 605 |
| Tier 1 risk-based capital ratio | 25.9525% | 710 |
| Total risk-based capital ratio | 27.1369% | 698 |
| Memoranda: | ||
| Average total assets | $62,810,000 | 4,604 |
| Average earning assets | $58,968,000 | 4,592 |
| Average equity | $9,643,000 | 4,334 |
| Average total loans | $37,648,000 | 4,516 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 2,718 |
| Cost of funding earning assets | 0.5699% | 3,793 |
| Net interest margin | 4.0169% | 1,865 |
| Noninterest income to average assets | 0.1345% | 4,900 |
| Noninterest expense to average assets | 2.8815% | 2,328 |
| Loan and lease loss provision to assets | 0.1921% | 911 |
| Net operating income to assets | 0.6499% | 4,166 |
| Return on assets (ROA) | 0.6499% | 4,216 |
| Pretax return on assets | 0.8292% | 4,025 |
| Return on Equity (ROE) | 4.1996% | 4,540 |
| Retained earnings to average equity (ytd only) | -1.7171% | 4,890 |
| Net charge-offs to loans | 0.5801% | 261 |
| Credit loss provision to net charge-offs | 54.5455% | 2,437 |
| Earnings coverage of net charge-offs (x) | 2.9000% | 2,896 |
| Efficiency ratio | 73.8310% | 1,663 |
| Assets per employee ($millions) | 4.0957% | 3,736 |
| Cash dividends to net income (ytd only)* | 140.8867% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 3,925 |
| Loan loss allowance to noncurrent loans | 25.7520% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 2.8550% | 225 |
| Noncurrent loans to loans | 3.6424% | 216 |
| Net loans and leases to total assets | 60.3376% | 3,704 |
| Net loans and leases to deposits | 71.9116% | 3,693 |
| Net loans and leases to core deposits | 72.3044% | 3,985 |
| Total domestic deposits to total assets | 83.9052% | 2,907 |
| Equity capital to assets | 15.8246% | 640 |
| Core capital (leverage) ratio | 15.5003% | 617 |
| Tier 1 risk-based capital ratio | 22.1615% | 1,036 |
| Total risk-based capital ratio | 22.9571% | 1,065 |
| Memoranda: | ||
| Average total assets | $62,468,000 | 4,646 |
| Average earning assets | $58,603,000 | 4,632 |
| Average equity | $9,667,670 | 4,347 |
| Average total loans | $37,923,670 | 4,545 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4408% | 3,083 |
| Cost of funding earning assets | 0.5686% | 3,740 |
| Net interest margin | 3.8721% | 2,276 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 2.9214% | 2,217 |
| Loan and lease loss provision to assets | 0.3810% | 304 |
| Net operating income to assets | 0.2350% | 4,981 |
| Return on assets (ROA) | 0.2350% | 4,987 |
| Pretax return on assets | 0.3302% | 4,924 |
| Return on Equity (ROE) | 1.5352% | 5,020 |
| Retained earnings to average equity (ytd only) | -10.3314% | 5,116 |
| Net charge-offs to loans | -0.0419% | 4,780 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4196% | 1,018 |
| Assets per employee ($millions) | 4.1793% | 3,659 |
| Cash dividends to net income (ytd only)* | 772.9730% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,460 |
| Loan loss allowance to noncurrent loans | 24.9330% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 3.6960% | 133 |
| Noncurrent loans to loans | 4.9049% | 120 |
| Net loans and leases to total assets | 59.9116% | 3,718 |
| Net loans and leases to deposits | 70.8080% | 3,704 |
| Net loans and leases to core deposits | 72.0828% | 3,940 |
| Total domestic deposits to total assets | 84.6113% | 2,813 |
| Equity capital to assets | 15.1972% | 712 |
| Core capital (leverage) ratio | 15.0934% | 676 |
| Tier 1 risk-based capital ratio | 21.2710% | 1,130 |
| Total risk-based capital ratio | 22.3071% | 1,134 |
| Memoranda: | ||
| Average total assets | $62,984,000 | 4,687 |
| Average earning assets | $59,089,000 | 4,672 |
| Average equity | $9,640,500 | 4,380 |
| Average total loans | $38,175,500 | 4,590 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 2,354 |
| Cost of funding earning assets | 0.5675% | 2,940 |
| Net interest margin | 3.9676% | 2,099 |
| Noninterest income to average assets | 0.2121% | 4,638 |
| Noninterest expense to average assets | 2.6542% | 3,169 |
| Loan and lease loss provision to assets | 0.3441% | 450 |
| Net operating income to assets | 0.7574% | 3,944 |
| Return on assets (ROA) | 0.7574% | 3,947 |
| Pretax return on assets | 0.9821% | 3,669 |
| Return on Equity (ROE) | 5.0287% | 4,448 |
| Retained earnings to average equity (ytd only) | 2.0449% | 4,341 |
| Net charge-offs to loans | 0.5096% | 346 |
| Credit loss provision to net charge-offs | 108.4158% | 2,363 |
| Earnings coverage of net charge-offs (x) | 4.1782% | 3,325 |
| Efficiency ratio | 66.6798% | 2,749 |
| Assets per employee ($millions) | 4.2186% | 3,587 |
| Cash dividends to net income (ytd only)* | 59.3361% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 3,409 |
| Loan loss allowance to noncurrent loans | 23.3547% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 3.4419% | 154 |
| Noncurrent loans to loans | 4.4798% | 140 |
| Net loans and leases to total assets | 59.9362% | 3,785 |
| Net loans and leases to deposits | 71.0496% | 3,748 |
| Net loans and leases to core deposits | 72.3673% | 3,966 |
| Total domestic deposits to total assets | 84.3582% | 2,886 |
| Equity capital to assets | 15.4143% | 627 |
| Core capital (leverage) ratio | 15.2155% | 642 |
| Tier 1 risk-based capital ratio | 21.4755% | 1,102 |
| Total risk-based capital ratio | 22.3591% | 1,129 |
| Memoranda: | ||
| Average total assets | $63,636,000 | 4,691 |
| Average earning assets | $60,439,200 | 4,657 |
| Average equity | $9,585,000 | 4,375 |
| Average total loans | $39,638,200 | 4,563 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4640% | 2,418 |
| Cost of funding earning assets | 0.5646% | 2,743 |
| Net interest margin | 3.8994% | 2,305 |
| Noninterest income to average assets | 0.2343% | 4,571 |
| Noninterest expense to average assets | 2.6028% | 3,270 |
| Loan and lease loss provision to assets | 0.3557% | 378 |
| Net operating income to assets | 0.7511% | 4,072 |
| Return on assets (ROA) | 0.7511% | 4,081 |
| Pretax return on assets | 0.9896% | 3,745 |
| Return on Equity (ROE) | 5.0158% | 4,555 |
| Retained earnings to average equity (ytd only) | 1.0199% | 4,851 |
| Net charge-offs to loans | 0.3169% | 527 |
| Credit loss provision to net charge-offs | 178.9474% | 1,504 |
| Earnings coverage of net charge-offs (x) | 6.7686% | 2,853 |
| Efficiency ratio | 65.9247% | 2,882 |
| Assets per employee ($millions) | 4.3639% | 3,338 |
| Cash dividends to net income (ytd only)* | 79.6657% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 2,534 |
| Loan loss allowance to noncurrent loans | 19.8480% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 4.0530% | 121 |
| Noncurrent loans to loans | 6.1274% | 75 |
| Net loans and leases to total assets | 58.3214% | 4,002 |
| Net loans and leases to deposits | 68.5879% | 4,016 |
| Net loans and leases to core deposits | 70.1842% | 4,184 |
| Total domestic deposits to total assets | 85.0316% | 2,595 |
| Equity capital to assets | 14.6827% | 787 |
| Core capital (leverage) ratio | 15.1500% | 669 |
| Tier 1 risk-based capital ratio | 21.1948% | 1,159 |
| Total risk-based capital ratio | 22.2343% | 1,165 |
| Memoranda: | ||
| Average total assets | $63,725,250 | 4,741 |
| Average earning assets | $60,692,000 | 4,706 |
| Average equity | $9,542,750 | 4,416 |
| Average total loans | $39,965,750 | 4,598 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4934% | 2,105 |
| Cost of funding earning assets | 0.5721% | 2,418 |
| Net interest margin | 3.9214% | 2,135 |
| Noninterest income to average assets | 0.2312% | 4,634 |
| Noninterest expense to average assets | 2.6319% | 3,213 |
| Loan and lease loss provision to assets | 0.4592% | 254 |
| Net operating income to assets | 0.6461% | 4,360 |
| Return on assets (ROA) | 0.6461% | 4,365 |
| Pretax return on assets | 0.8741% | 4,042 |
| Return on Equity (ROE) | 4.2857% | 4,753 |
| Retained earnings to average equity (ytd only) | -1.7227% | 5,128 |
| Net charge-offs to loans | 0.8068% | 170 |
| Credit loss provision to net charge-offs | 88.9571% | 2,166 |
| Earnings coverage of net charge-offs (x) | 2.5828% | 2,961 |
| Efficiency ratio | 66.3738% | 2,917 |
| Assets per employee ($millions) | 4.1341% | 3,675 |
| Cash dividends to net income (ytd only)* | 140.1961% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 4,077 |
| Loan loss allowance to noncurrent loans | 15.1345% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 4.5411% | 110 |
| Noncurrent loans to loans | 6.3280% | 79 |
| Net loans and leases to total assets | 62.8727% | 3,517 |
| Net loans and leases to deposits | 74.5269% | 3,484 |
| Net loans and leases to core deposits | 76.3812% | 3,719 |
| Total domestic deposits to total assets | 84.3625% | 2,930 |
| Equity capital to assets | 15.3021% | 629 |
| Core capital (leverage) ratio | 14.9287% | 686 |
| Tier 1 risk-based capital ratio | 20.7373% | 1,216 |
| Total risk-based capital ratio | 21.5626% | 1,246 |
| Memoranda: | ||
| Average total assets | $63,147,670 | 4,800 |
| Average earning assets | $60,132,000 | 4,762 |
| Average equity | $9,520,000 | 4,455 |
| Average total loans | $40,405,670 | 4,629 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4101% | 2,165 |
| Cost of funding earning assets | 0.5595% | 2,323 |
| Net interest margin | 3.8506% | 2,220 |
| Noninterest income to average assets | 0.2951% | 4,188 |
| Noninterest expense to average assets | 2.5111% | 3,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1928% | 2,038 |
| Return on assets (ROA) | 1.1928% | 2,053 |
| Pretax return on assets | 1.4565% | 1,815 |
| Return on Equity (ROE) | 7.9702% | 3,389 |
| Retained earnings to average equity (ytd only) | -4.0271% | 5,142 |
| Net charge-offs to loans | 0.0880% | 1,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 25.7778% | 1,335 |
| Efficiency ratio | 63.2911% | 3,591 |
| Assets per employee ($millions) | 4.2579% | 3,552 |
| Cash dividends to net income (ytd only)* | 150.5263% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 4,163 |
| Loan loss allowance to noncurrent loans | 16.4887% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 4.1742% | 147 |
| Noncurrent loans to loans | 5.8319% | 109 |
| Net loans and leases to total assets | 62.2446% | 3,520 |
| Net loans and leases to deposits | 73.1651% | 3,499 |
| Net loans and leases to core deposits | 75.4565% | 3,712 |
| Total domestic deposits to total assets | 85.0741% | 2,907 |
| Equity capital to assets | 14.8429% | 711 |
| Core capital (leverage) ratio | 15.1254% | 633 |
| Tier 1 risk-based capital ratio | 20.1151% | 1,322 |
| Total risk-based capital ratio | 20.9350% | 1,367 |
| Memoranda: | ||
| Average total assets | $63,716,000 | 4,852 |
| Average earning assets | $60,769,500 | 4,809 |
| Average equity | $9,535,500 | 4,498 |
| Average total loans | $40,926,000 | 4,667 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6351% | 1,346 |
| Cost of funding earning assets | 0.6000% | 1,591 |
| Net interest margin | 4.0351% | 1,640 |
| Noninterest income to average assets | 0.2391% | 4,703 |
| Noninterest expense to average assets | 2.5538% | 3,592 |
| Loan and lease loss provision to assets | 0.3124% | 542 |
| Net operating income to assets | 0.8497% | 2,955 |
| Return on assets (ROA) | 0.8497% | 2,978 |
| Pretax return on assets | 1.2004% | 2,770 |
| Return on Equity (ROE) | 5.8631% | 3,820 |
| Retained earnings to average equity (ytd only) | 5.8631% | 1,618 |
| Net charge-offs to loans | 0.6420% | 348 |
| Credit loss provision to net charge-offs | 70.7581% | 3,081 |
| Earnings coverage of net charge-offs (x) | 3.4260% | 3,609 |
| Efficiency ratio | 62.7989% | 3,811 |
| Assets per employee ($millions) | 4.2377% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,441 |
| Loan loss allowance to noncurrent loans | 26.3819% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 3.3084% | 214 |
| Noncurrent loans to loans | 4.7558% | 155 |
| Net loans and leases to total assets | 65.0017% | 3,226 |
| Net loans and leases to deposits | 76.6473% | 3,264 |
| Net loans and leases to core deposits | 79.0749% | 3,498 |
| Total domestic deposits to total assets | 84.8063% | 2,912 |
| Equity capital to assets | 15.0930% | 660 |
| Core capital (leverage) ratio | 15.3966% | 557 |
| Tier 1 risk-based capital ratio | 20.0050% | 1,321 |
| Total risk-based capital ratio | 21.0989% | 1,316 |
| Memoranda: | ||
| Average total assets | $62,731,200 | 4,909 |
| Average earning assets | $59,502,800 | 4,869 |
| Average equity | $9,090,800 | 4,597 |
| Average total loans | $43,144,600 | 4,635 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6599% | 1,228 |
| Cost of funding earning assets | 0.6059% | 1,490 |
| Net interest margin | 4.0541% | 1,525 |
| Noninterest income to average assets | 0.2495% | 4,715 |
| Noninterest expense to average assets | 2.5292% | 3,632 |
| Loan and lease loss provision to assets | 1.4714% | 61 |
| Net operating income to assets | 0.0682% | 5,469 |
| Return on assets (ROA) | 0.0682% | 5,476 |
| Pretax return on assets | 0.0874% | 5,466 |
| Return on Equity (ROE) | 0.4760% | 5,481 |
| Retained earnings to average equity (ytd only) | 0.4760% | 5,112 |
| Net charge-offs to loans | 2.3372% | 62 |
| Credit loss provision to net charge-offs | 90.5512% | 2,454 |
| Earnings coverage of net charge-offs (x) | 0.9593% | 3,608 |
| Efficiency ratio | 61.8675% | 3,906 |
| Assets per employee ($millions) | 4.0606% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,649 |
| Loan loss allowance to noncurrent loans | 26.0997% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 3.3262% | 249 |
| Noncurrent loans to loans | 4.7860% | 175 |
| Net loans and leases to total assets | 64.9777% | 3,255 |
| Net loans and leases to deposits | 75.7007% | 3,400 |
| Net loans and leases to core deposits | 78.1011% | 3,624 |
| Total domestic deposits to total assets | 85.8350% | 2,377 |
| Equity capital to assets | 14.0419% | 981 |
| Core capital (leverage) ratio | 14.7556% | 709 |
| Tier 1 risk-based capital ratio | 18.7238% | 1,671 |
| Total risk-based capital ratio | 19.8173% | 1,662 |
| Memoranda: | ||
| Average total assets | $62,522,500 | 4,966 |
| Average earning assets | $59,198,250 | 4,930 |
| Average equity | $8,965,000 | 4,667 |
| Average total loans | $43,469,750 | 4,674 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 1,063 |
| Cost of funding earning assets | 0.6146% | 1,360 |
| Net interest margin | 4.0828% | 1,373 |
| Noninterest income to average assets | 0.2496% | 4,746 |
| Noninterest expense to average assets | 2.4179% | 3,998 |
| Loan and lease loss provision to assets | 2.2364% | 36 |
| Net operating income to assets | -0.5704% | 5,690 |
| Return on assets (ROA) | -0.5704% | 5,687 |
| Pretax return on assets | -0.5510% | 5,678 |
| Return on Equity (ROE) | -3.9496% | 5,670 |
| Retained earnings to average equity (ytd only) | -3.9496% | 5,486 |
| Net charge-offs to loans | 3.5278% | 36 |
| Credit loss provision to net charge-offs | 89.4942% | 2,151 |
| Earnings coverage of net charge-offs (x) | 0.6744% | 3,355 |
| Efficiency ratio | 58.9258% | 4,475 |
| Assets per employee ($millions) | 4.0683% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,831 |
| Loan loss allowance to noncurrent loans | 22.7076% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 4.6047% | 126 |
| Noncurrent loans to loans | 5.4163% | 126 |
| Net loans and leases to total assets | 69.0892% | 2,653 |
| Net loans and leases to deposits | 81.0305% | 2,801 |
| Net loans and leases to core deposits | 83.7974% | 3,090 |
| Total domestic deposits to total assets | 85.2632% | 2,707 |
| Equity capital to assets | 14.6074% | 800 |
| Core capital (leverage) ratio | 14.6139% | 716 |
| Tier 1 risk-based capital ratio | 18.1092% | 1,821 |
| Total risk-based capital ratio | 19.1713% | 1,829 |
| Memoranda: | ||
| Average total assets | $61,706,670 | 5,024 |
| Average earning assets | $58,245,000 | 4,992 |
| Average equity | $8,912,330 | 4,692 |
| Average total loans | $43,709,670 | 4,694 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7719% | 798 |
| Cost of funding earning assets | 0.6076% | 1,325 |
| Net interest margin | 4.1643% | 1,057 |
| Noninterest income to average assets | 0.2579% | 4,688 |
| Noninterest expense to average assets | 2.2434% | 4,549 |
| Loan and lease loss provision to assets | 4.1903% | 17 |
| Net operating income to assets | -2.2628% | 5,825 |
| Return on assets (ROA) | -2.2628% | 5,825 |
| Pretax return on assets | -2.2434% | 5,821 |
| Return on Equity (ROE) | -15.7549% | 5,801 |
| Retained earnings to average equity (ytd only) | -15.7549% | 5,674 |
| Net charge-offs to loans | 7.2815% | 10 |
| Credit loss provision to net charge-offs | 80.7453% | 1,753 |
| Earnings coverage of net charge-offs (x) | 0.3752% | 2,822 |
| Efficiency ratio | 53.5385% | 5,169 |
| Assets per employee ($millions) | 4.3731% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 4,044 |
| Loan loss allowance to noncurrent loans | 20.4535% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 4.8544% | 126 |
| Noncurrent loans to loans | 5.0766% | 160 |
| Net loans and leases to total assets | 70.2089% | 2,340 |
| Net loans and leases to deposits | 81.9899% | 2,511 |
| Net loans and leases to core deposits | 85.2147% | 2,791 |
| Total domestic deposits to total assets | 85.6312% | 2,824 |
| Equity capital to assets | 14.2708% | 828 |
| Core capital (leverage) ratio | 14.0119% | 839 |
| Tier 1 risk-based capital ratio | 17.2385% | 2,113 |
| Total risk-based capital ratio | 18.1284% | 2,187 |
| Memoranda: | ||
| Average total assets | $62,048,000 | 5,073 |
| Average earning assets | $58,593,500 | 5,034 |
| Average equity | $8,911,500 | 4,732 |
| Average total loans | $44,221,500 | 4,719 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7502% | 966 |
| Cost of funding earning assets | 0.5942% | 1,383 |
| Net interest margin | 4.1560% | 1,223 |
| Noninterest income to average assets | 0.3299% | 4,371 |
| Noninterest expense to average assets | 2.1135% | 4,979 |
| Loan and lease loss provision to assets | 0.3378% | 521 |
| Net operating income to assets | 1.2012% | 1,510 |
| Return on assets (ROA) | 1.2012% | 1,592 |
| Pretax return on assets | 1.8199% | 761 |
| Return on Equity (ROE) | 8.4194% | 2,726 |
| Retained earnings to average equity (ytd only) | 4.6246% | 2,612 |
| Net charge-offs to loans | 0.4230% | 615 |
| Credit loss provision to net charge-offs | 112.6316% | 2,336 |
| Earnings coverage of net charge-offs (x) | 7.1947% | 3,057 |
| Efficiency ratio | 49.4826% | 5,508 |
| Assets per employee ($millions) | 4.4909% | 3,125 |
| Cash dividends to net income (ytd only)* | 45.0723% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 2,320 |
| Loan loss allowance to noncurrent loans | 34.2954% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 4.0303% | 187 |
| Noncurrent loans to loans | 3.9260% | 269 |
| Net loans and leases to total assets | 70.6217% | 2,391 |
| Net loans and leases to deposits | 82.7161% | 2,586 |
| Net loans and leases to core deposits | 86.3180% | 2,826 |
| Total domestic deposits to total assets | 85.3785% | 2,886 |
| Equity capital to assets | 14.4514% | 747 |
| Core capital (leverage) ratio | 14.3668% | 724 |
| Tier 1 risk-based capital ratio | 15.2825% | 2,847 |
| Total risk-based capital ratio | 16.3017% | 2,874 |
| Memoranda: | ||
| Average total assets | $63,355,400 | 5,064 |
| Average earning assets | $60,081,600 | 5,014 |
| Average equity | $9,038,600 | 4,756 |
| Average total loans | $44,922,200 | 4,717 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7667% | 957 |
| Cost of funding earning assets | 0.5956% | 1,366 |
| Net interest margin | 4.1711% | 1,198 |
| Noninterest income to average assets | 0.3487% | 4,293 |
| Noninterest expense to average assets | 2.0669% | 5,070 |
| Loan and lease loss provision to assets | 0.3802% | 396 |
| Net operating income to assets | 1.2729% | 1,373 |
| Return on assets (ROA) | 1.2729% | 1,475 |
| Pretax return on assets | 1.8589% | 786 |
| Return on Equity (ROE) | 8.9510% | 2,515 |
| Retained earnings to average equity (ytd only) | 8.9510% | 832 |
| Net charge-offs to loans | 0.2494% | 940 |
| Credit loss provision to net charge-offs | 215.4762% | 1,363 |
| Earnings coverage of net charge-offs (x) | 12.6902% | 2,370 |
| Efficiency ratio | 48.0000% | 5,594 |
| Assets per employee ($millions) | 5.0092% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 1,748 |
| Loan loss allowance to noncurrent loans | 39.9647% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 3.7869% | 236 |
| Noncurrent loans to loans | 3.7674% | 320 |
| Net loans and leases to total assets | 68.2110% | 2,770 |
| Net loans and leases to deposits | 79.8171% | 2,991 |
| Net loans and leases to core deposits | 82.5847% | 3,240 |
| Total domestic deposits to total assets | 85.4592% | 2,621 |
| Equity capital to assets | 14.3320% | 921 |
| Core capital (leverage) ratio | 14.9306% | 650 |
| Tier 1 risk-based capital ratio | 15.6620% | 2,763 |
| Total risk-based capital ratio | 16.7927% | 2,749 |
| Memoranda: | ||
| Average total assets | $63,476,000 | 5,110 |
| Average earning assets | $60,222,250 | 5,056 |
| Average equity | $9,026,750 | 4,803 |
| Average total loans | $44,900,750 | 4,757 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 796 |
| Cost of funding earning assets | 0.5898% | 1,401 |
| Net interest margin | 4.2624% | 996 |
| Noninterest income to average assets | 0.3083% | 4,576 |
| Noninterest expense to average assets | 2.0722% | 5,116 |
| Loan and lease loss provision to assets | 0.4418% | 325 |
| Net operating income to assets | 1.2459% | 1,441 |
| Return on assets (ROA) | 1.2459% | 1,551 |
| Pretax return on assets | 1.8370% | 809 |
| Return on Equity (ROE) | 8.7846% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.7846% | 908 |
| Net charge-offs to loans | 0.1874% | 1,229 |
| Credit loss provision to net charge-offs | 330.9524% | 897 |
| Earnings coverage of net charge-offs (x) | 17.0714% | 1,893 |
| Efficiency ratio | 47.6260% | 5,689 |
| Assets per employee ($millions) | 4.5468% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 1,798 |
| Loan loss allowance to noncurrent loans | 43.7218% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 3.5504% | 297 |
| Noncurrent loans to loans | 3.4682% | 384 |
| Net loans and leases to total assets | 69.2781% | 2,591 |
| Net loans and leases to deposits | 81.0748% | 2,808 |
| Net loans and leases to core deposits | 83.9645% | 3,086 |
| Total domestic deposits to total assets | 85.4497% | 2,664 |
| Equity capital to assets | 14.3288% | 925 |
| Core capital (leverage) ratio | 14.2130% | 768 |
| Tier 1 risk-based capital ratio | 15.4259% | 2,891 |
| Total risk-based capital ratio | 16.5840% | 2,862 |
| Memoranda: | ||
| Average total assets | $62,928,000 | 5,176 |
| Average earning assets | $59,685,000 | 5,123 |
| Average equity | $8,924,670 | 4,857 |
| Average total loans | $44,835,000 | 4,801 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7906% | 871 |
| Cost of funding earning assets | 0.6149% | 1,241 |
| Net interest margin | 4.1757% | 1,154 |
| Noninterest income to average assets | 0.3261% | 4,401 |
| Noninterest expense to average assets | 2.0651% | 5,189 |
| Loan and lease loss provision to assets | 0.3133% | 494 |
| Net operating income to assets | 1.3043% | 1,243 |
| Return on assets (ROA) | 1.3043% | 1,325 |
| Pretax return on assets | 1.8988% | 690 |
| Return on Equity (ROE) | 9.2449% | 2,308 |
| Retained earnings to average equity (ytd only) | 9.2449% | 1,040 |
| Net charge-offs to loans | -0.0089% | 4,477 |
| Credit loss provision to net charge-offs | -4,900.0000% | 5,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2810% | 5,711 |
| Assets per employee ($millions) | 4.4878% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 2,391 |
| Loan loss allowance to noncurrent loans | 40.0253% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 3.6894% | 290 |
| Noncurrent loans to loans | 3.5163% | 385 |
| Net loans and leases to total assets | 70.4659% | 2,271 |
| Net loans and leases to deposits | 82.3883% | 2,497 |
| Net loans and leases to core deposits | 85.3752% | 2,805 |
| Total domestic deposits to total assets | 85.5290% | 2,903 |
| Equity capital to assets | 14.2132% | 912 |
| Core capital (leverage) ratio | 14.1624% | 773 |
| Tier 1 risk-based capital ratio | 15.1839% | 3,073 |
| Total risk-based capital ratio | 16.2652% | 3,086 |
| Memoranda: | ||
| Average total assets | $62,564,500 | 5,233 |
| Average earning assets | $59,199,000 | 5,177 |
| Average equity | $8,826,500 | 4,899 |
| Average total loans | $44,863,500 | 4,834 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9780% | 656 |
| Cost of funding earning assets | 0.7109% | 776 |
| Net interest margin | 4.2671% | 1,028 |
| Noninterest income to average assets | 0.3640% | 4,301 |
| Noninterest expense to average assets | 2.2754% | 4,860 |
| Loan and lease loss provision to assets | 0.3507% | 422 |
| Net operating income to assets | 1.2399% | 1,420 |
| Return on assets (ROA) | 1.2399% | 1,472 |
| Pretax return on assets | 1.7784% | 835 |
| Return on Equity (ROE) | 8.6527% | 2,646 |
| Retained earnings to average equity (ytd only) | 4.9295% | 2,468 |
| Net charge-offs to loans | 0.4850% | 552 |
| Credit loss provision to net charge-offs | 97.2350% | 2,610 |
| Earnings coverage of net charge-offs (x) | 5.9032% | 3,308 |
| Efficiency ratio | 51.6604% | 5,658 |
| Assets per employee ($millions) | 4.4500% | 3,123 |
| Cash dividends to net income (ytd only)* | 43.0295% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,914 |
| Loan loss allowance to noncurrent loans | 47.8618% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 3.1380% | 407 |
| Noncurrent loans to loans | 2.7130% | 646 |
| Net loans and leases to total assets | 71.0112% | 2,198 |
| Net loans and leases to deposits | 82.7070% | 2,511 |
| Net loans and leases to core deposits | 87.2360% | 2,676 |
| Total domestic deposits to total assets | 85.8587% | 2,706 |
| Equity capital to assets | 14.0016% | 928 |
| Core capital (leverage) ratio | 14.1524% | 784 |
| Tier 1 risk-based capital ratio | 15.5348% | 2,911 |
| Total risk-based capital ratio | 16.5755% | 2,968 |
| Memoranda: | ||
| Average total assets | $60,165,600 | 5,314 |
| Average earning assets | $56,970,200 | 5,266 |
| Average equity | $8,621,600 | 4,928 |
| Average total loans | $44,744,400 | 4,839 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0627% | 555 |
| Cost of funding earning assets | 0.7175% | 768 |
| Net interest margin | 4.3452% | 880 |
| Noninterest income to average assets | 0.4047% | 4,053 |
| Noninterest expense to average assets | 2.3052% | 4,766 |
| Loan and lease loss provision to assets | 0.4159% | 280 |
| Net operating income to assets | 1.2655% | 1,432 |
| Return on assets (ROA) | 1.2655% | 1,492 |
| Pretax return on assets | 1.7999% | 903 |
| Return on Equity (ROE) | 8.7788% | 2,688 |
| Retained earnings to average equity (ytd only) | 8.7788% | 982 |
| Net charge-offs to loans | 0.2951% | 902 |
| Credit loss provision to net charge-offs | 187.8788% | 1,407 |
| Earnings coverage of net charge-offs (x) | 10.0098% | 2,639 |
| Efficiency ratio | 50.9891% | 5,722 |
| Assets per employee ($millions) | 4.4302% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 2,185 |
| Loan loss allowance to noncurrent loans | 54.0432% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 3.2472% | 433 |
| Noncurrent loans to loans | 2.7638% | 684 |
| Net loans and leases to total assets | 71.7750% | 2,095 |
| Net loans and leases to deposits | 84.0959% | 2,400 |
| Net loans and leases to core deposits | 89.2375% | 2,533 |
| Total domestic deposits to total assets | 85.3490% | 2,849 |
| Equity capital to assets | 14.3302% | 908 |
| Core capital (leverage) ratio | 14.9571% | 644 |
| Tier 1 risk-based capital ratio | 15.5572% | 3,023 |
| Total risk-based capital ratio | 16.7428% | 2,981 |
| Memoranda: | ||
| Average total assets | $59,632,000 | 5,397 |
| Average earning assets | $56,490,000 | 5,349 |
| Average equity | $8,596,250 | 4,997 |
| Average total loans | $44,725,000 | 4,891 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0741% | 536 |
| Cost of funding earning assets | 0.7356% | 693 |
| Net interest margin | 4.3384% | 856 |
| Noninterest income to average assets | 0.4249% | 3,887 |
| Noninterest expense to average assets | 2.2878% | 4,875 |
| Loan and lease loss provision to assets | 0.4555% | 236 |
| Net operating income to assets | 1.2544% | 1,449 |
| Return on assets (ROA) | 1.2544% | 1,505 |
| Pretax return on assets | 1.7915% | 908 |
| Return on Equity (ROE) | 8.6834% | 2,709 |
| Retained earnings to average equity (ytd only) | 8.6834% | 1,025 |
| Net charge-offs to loans | 0.2423% | 1,073 |
| Credit loss provision to net charge-offs | 248.1481% | 1,059 |
| Earnings coverage of net charge-offs (x) | 12.2407% | 2,230 |
| Efficiency ratio | 50.4498% | 5,826 |
| Assets per employee ($millions) | 4.1392% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 2,282 |
| Loan loss allowance to noncurrent loans | 57.5862% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 3.4082% | 430 |
| Noncurrent loans to loans | 2.6089% | 843 |
| Net loans and leases to total assets | 75.5768% | 1,425 |
| Net loans and leases to deposits | 89.0452% | 1,714 |
| Net loans and leases to core deposits | 94.9527% | 1,882 |
| Total domestic deposits to total assets | 84.8746% | 3,181 |
| Equity capital to assets | 14.9614% | 715 |
| Core capital (leverage) ratio | 14.5412% | 701 |
| Tier 1 risk-based capital ratio | 16.9797% | 2,408 |
| Total risk-based capital ratio | 18.2311% | 2,361 |
| Memoranda: | ||
| Average total assets | $58,835,000 | 5,469 |
| Average earning assets | $55,734,330 | 5,417 |
| Average equity | $8,499,000 | 5,056 |
| Average total loans | $44,569,330 | 4,929 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0618% | 518 |
| Cost of funding earning assets | 0.7465% | 672 |
| Net interest margin | 4.3153% | 849 |
| Noninterest income to average assets | 0.3981% | 4,018 |
| Noninterest expense to average assets | 2.0648% | 5,462 |
| Loan and lease loss provision to assets | 0.6276% | 148 |
| Net operating income to assets | 1.3091% | 1,244 |
| Return on assets (ROA) | 1.3091% | 1,334 |
| Pretax return on assets | 1.8017% | 862 |
| Return on Equity (ROE) | 9.2233% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.2233% | 1,121 |
| Net charge-offs to loans | -0.0359% | 5,352 |
| Credit loss provision to net charge-offs | -2,325.0000% | 5,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9459% | 6,104 |
| Assets per employee ($millions) | 4.2636% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5344% | 2,299 |
| Loan loss allowance to noncurrent loans | 46.9500% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 3.3808% | 506 |
| Noncurrent loans to loans | 3.2681% | 623 |
| Net loans and leases to total assets | 73.6438% | 1,555 |
| Net loans and leases to deposits | 86.1617% | 1,813 |
| Net loans and leases to core deposits | 91.7301% | 1,970 |
| Total domestic deposits to total assets | 85.4716% | 3,191 |
| Equity capital to assets | 14.2838% | 894 |
| Core capital (leverage) ratio | 13.6441% | 921 |
| Tier 1 risk-based capital ratio | 14.5934% | 3,668 |
| Total risk-based capital ratio | 15.8241% | 3,605 |
| Memoranda: | ||
| Average total assets | $59,278,000 | 5,515 |
| Average earning assets | $56,265,000 | 5,460 |
| Average equity | $8,413,500 | 5,109 |
| Average total loans | $44,622,000 | 4,963 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9897% | 792 |
| Cost of funding earning assets | 0.8169% | 593 |
| Net interest margin | 4.1727% | 1,380 |
| Noninterest income to average assets | 0.3822% | 4,324 |
| Noninterest expense to average assets | 2.1300% | 5,508 |
| Loan and lease loss provision to assets | 0.6336% | 210 |
| Net operating income to assets | 1.2060% | 1,569 |
| Return on assets (ROA) | 1.2060% | 1,624 |
| Pretax return on assets | 1.5661% | 1,333 |
| Return on Equity (ROE) | 8.6444% | 2,766 |
| Retained earnings to average equity (ytd only) | 4.7362% | 2,806 |
| Net charge-offs to loans | 0.3073% | 1,435 |
| Credit loss provision to net charge-offs | 289.1473% | 886 |
| Earnings coverage of net charge-offs (x) | 10.0388% | 2,665 |
| Efficiency ratio | 49.1958% | 6,129 |
| Assets per employee ($millions) | 4.9055% | 2,448 |
| Cash dividends to net income (ytd only)* | 45.2113% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 3,325 |
| Loan loss allowance to noncurrent loans | 42.2717% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 3.2718% | 585 |
| Noncurrent loans to loans | 3.1188% | 714 |
| Net loans and leases to total assets | 74.7681% | 1,455 |
| Net loans and leases to deposits | 87.2997% | 1,814 |
| Net loans and leases to core deposits | 93.2123% | 1,974 |
| Total domestic deposits to total assets | 85.6454% | 3,010 |
| Equity capital to assets | 14.1015% | 921 |
| Core capital (leverage) ratio | 13.7263% | 893 |
| Tier 1 risk-based capital ratio | 20.7485% | 1,453 |
| Total risk-based capital ratio | 22.0018% | 1,431 |
| Memoranda: | ||
| Average total assets | $58,872,200 | 5,575 |
| Average earning assets | $55,695,000 | 5,525 |
| Average equity | $8,213,400 | 5,147 |
| Average total loans | $41,983,000 | 5,110 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8946% | 941 |
| Cost of funding earning assets | 0.8142% | 638 |
| Net interest margin | 4.0804% | 1,636 |
| Noninterest income to average assets | 0.3827% | 4,377 |
| Noninterest expense to average assets | 2.1084% | 5,549 |
| Loan and lease loss provision to assets | 0.5594% | 253 |
| Net operating income to assets | 1.2093% | 1,653 |
| Return on assets (ROA) | 1.2093% | 1,719 |
| Pretax return on assets | 1.5739% | 1,411 |
| Return on Equity (ROE) | 8.6917% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.6917% | 1,101 |
| Net charge-offs to loans | 0.3161% | 1,259 |
| Credit loss provision to net charge-offs | 252.0408% | 1,040 |
| Earnings coverage of net charge-offs (x) | 9.6125% | 2,647 |
| Efficiency ratio | 49.7064% | 6,111 |
| Assets per employee ($millions) | 4.7865% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 4,588 |
| Loan loss allowance to noncurrent loans | 60.5651% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 2.1229% | 1,321 |
| Noncurrent loans to loans | 1.8726% | 1,706 |
| Net loans and leases to total assets | 69.0639% | 2,355 |
| Net loans and leases to deposits | 80.1608% | 2,665 |
| Net loans and leases to core deposits | 85.3068% | 2,743 |
| Total domestic deposits to total assets | 86.1567% | 2,779 |
| Equity capital to assets | 13.5830% | 1,147 |
| Core capital (leverage) ratio | 14.1858% | 799 |
| Tier 1 risk-based capital ratio | 21.2334% | 1,402 |
| Total risk-based capital ratio | 22.4738% | 1,380 |
| Memoranda: | ||
| Average total assets | $58,873,750 | 5,637 |
| Average earning assets | $55,678,750 | 5,593 |
| Average equity | $8,191,500 | 5,195 |
| Average total loans | $41,328,500 | 5,179 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 844 |
| Cost of funding earning assets | 0.8379% | 585 |
| Net interest margin | 4.0977% | 1,518 |
| Noninterest income to average assets | 0.3671% | 4,501 |
| Noninterest expense to average assets | 2.1088% | 5,608 |
| Loan and lease loss provision to assets | 0.5610% | 256 |
| Net operating income to assets | 1.1774% | 1,665 |
| Return on assets (ROA) | 1.1774% | 1,737 |
| Pretax return on assets | 1.5583% | 1,368 |
| Return on Equity (ROE) | 8.3902% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.3902% | 1,179 |
| Net charge-offs to loans | 0.4383% | 931 |
| Credit loss provision to net charge-offs | 182.0225% | 1,260 |
| Earnings coverage of net charge-offs (x) | 6.8764% | 2,707 |
| Efficiency ratio | 49.8771% | 6,178 |
| Assets per employee ($millions) | 4.1832% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 5,288 |
| Loan loss allowance to noncurrent loans | 73.7213% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.7690% | 1,835 |
| Noncurrent loans to loans | 1.3753% | 2,512 |
| Net loans and leases to total assets | 69.6798% | 2,132 |
| Net loans and leases to deposits | 81.4076% | 2,331 |
| Net loans and leases to core deposits | 87.1072% | 2,409 |
| Total domestic deposits to total assets | 85.5938% | 3,248 |
| Equity capital to assets | 14.1125% | 925 |
| Core capital (leverage) ratio | 14.2793% | 760 |
| Tier 1 risk-based capital ratio | 22.2759% | 1,219 |
| Total risk-based capital ratio | 23.4039% | 1,217 |
| Memoranda: | ||
| Average total assets | $57,756,670 | 5,718 |
| Average earning assets | $54,420,330 | 5,678 |
| Average equity | $8,104,670 | 5,247 |
| Average total loans | $40,615,330 | 5,246 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9033% | 870 |
| Cost of funding earning assets | 0.8527% | 577 |
| Net interest margin | 4.0505% | 1,599 |
| Noninterest income to average assets | 0.3069% | 4,903 |
| Noninterest expense to average assets | 2.0644% | 5,752 |
| Loan and lease loss provision to assets | 0.5022% | 294 |
| Net operating income to assets | 1.1717% | 1,563 |
| Return on assets (ROA) | 1.1717% | 1,629 |
| Pretax return on assets | 1.5832% | 1,208 |
| Return on Equity (ROE) | 8.3744% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.3744% | 1,465 |
| Net charge-offs to loans | 0.6351% | 583 |
| Credit loss provision to net charge-offs | 112.5000% | 1,521 |
| Earnings coverage of net charge-offs (x) | 4.6719% | 2,493 |
| Efficiency ratio | 49.7479% | 6,269 |
| Assets per employee ($millions) | 4.1182% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 5,949 |
| Loan loss allowance to noncurrent loans | 87.7805% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.5437% | 2,290 |
| Noncurrent loans to loans | 0.9897% | 3,442 |
| Net loans and leases to total assets | 69.6679% | 1,951 |
| Net loans and leases to deposits | 81.4218% | 2,112 |
| Net loans and leases to core deposits | 87.2096% | 2,176 |
| Total domestic deposits to total assets | 85.5641% | 3,583 |
| Equity capital to assets | 14.0421% | 904 |
| Core capital (leverage) ratio | 14.1828% | 762 |
| Tier 1 risk-based capital ratio | 22.0440% | 1,288 |
| Total risk-based capital ratio | 23.0028% | 1,312 |
| Memoranda: | ||
| Average total assets | $57,352,500 | 5,781 |
| Average earning assets | $54,412,500 | 5,727 |
| Average equity | $8,024,500 | 5,283 |
| Average total loans | $40,310,000 | 5,311 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 1,183 |
| Cost of funding earning assets | 0.9053% | 715 |
| Net interest margin | 3.9523% | 2,098 |
| Noninterest income to average assets | 0.4068% | 4,393 |
| Noninterest expense to average assets | 2.0531% | 5,915 |
| Loan and lease loss provision to assets | 0.4728% | 597 |
| Net operating income to assets | 1.1613% | 1,718 |
| Return on assets (ROA) | 1.1613% | 1,776 |
| Pretax return on assets | 1.6150% | 1,131 |
| Return on Equity (ROE) | 8.4416% | 2,803 |
| Retained earnings to average equity (ytd only) | 4.6757% | 2,829 |
| Net charge-offs to loans | 0.5727% | 1,148 |
| Credit loss provision to net charge-offs | 121.9731% | 1,951 |
| Earnings coverage of net charge-offs (x) | 5.3857% | 3,314 |
| Efficiency ratio | 49.5802% | 6,415 |
| Assets per employee ($millions) | 4.0750% | 3,701 |
| Cash dividends to net income (ytd only)* | 44.6108% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 6,040 |
| Loan loss allowance to noncurrent loans | 50.2924% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 2.0911% | 1,713 |
| Noncurrent loans to loans | 1.7057% | 2,352 |
| Net loans and leases to total assets | 69.6880% | 2,072 |
| Net loans and leases to deposits | 81.3143% | 2,275 |
| Net loans and leases to core deposits | 87.1272% | 2,335 |
| Total domestic deposits to total assets | 85.7020% | 3,403 |
| Equity capital to assets | 13.9404% | 922 |
| Core capital (leverage) ratio | 13.6801% | 908 |
| Tier 1 risk-based capital ratio | 21.8175% | 1,289 |
| Total risk-based capital ratio | 22.7646% | 1,317 |
| Memoranda: | ||
| Average total assets | $57,523,600 | 5,823 |
| Average earning assets | $54,348,000 | 5,752 |
| Average equity | $7,913,200 | 5,360 |
| Average total loans | $38,941,200 | 5,393 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8465% | 1,248 |
| Cost of funding earning assets | 0.9115% | 772 |
| Net interest margin | 3.9350% | 2,162 |
| Noninterest income to average assets | 0.4187% | 4,379 |
| Noninterest expense to average assets | 2.0494% | 5,927 |
| Loan and lease loss provision to assets | 0.4325% | 669 |
| Net operating income to assets | 1.1935% | 1,660 |
| Return on assets (ROA) | 1.1935% | 1,732 |
| Pretax return on assets | 1.6515% | 1,211 |
| Return on Equity (ROE) | 8.7050% | 2,789 |
| Retained earnings to average equity (ytd only) | 8.7050% | 1,159 |
| Net charge-offs to loans | 0.4588% | 1,395 |
| Credit loss provision to net charge-offs | 140.6015% | 1,671 |
| Earnings coverage of net charge-offs (x) | 6.7744% | 2,908 |
| Efficiency ratio | 49.5803% | 6,417 |
| Assets per employee ($millions) | 4.2180% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 6,122 |
| Loan loss allowance to noncurrent loans | 36.5063% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 2.4504% | 1,578 |
| Noncurrent loans to loans | 2.3938% | 1,832 |
| Net loans and leases to total assets | 67.0375% | 2,450 |
| Net loans and leases to deposits | 78.0408% | 2,661 |
| Net loans and leases to core deposits | 83.5345% | 2,699 |
| Total domestic deposits to total assets | 85.9006% | 3,316 |
| Equity capital to assets | 13.7066% | 1,049 |
| Core capital (leverage) ratio | 14.1089% | 844 |
| Tier 1 risk-based capital ratio | 22.1591% | 1,292 |
| Total risk-based capital ratio | 23.1173% | 1,325 |
| Memoranda: | ||
| Average total assets | $57,642,000 | 5,883 |
| Average earning assets | $54,416,500 | 5,815 |
| Average equity | $7,903,250 | 5,420 |
| Average total loans | $38,651,250 | 5,451 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 1,348 |
| Cost of funding earning assets | 0.9245% | 798 |
| Net interest margin | 3.8650% | 2,324 |
| Noninterest income to average assets | 0.4793% | 3,965 |
| Noninterest expense to average assets | 2.0570% | 5,950 |
| Loan and lease loss provision to assets | 0.4618% | 621 |
| Net operating income to assets | 1.1299% | 1,817 |
| Return on assets (ROA) | 1.1299% | 1,935 |
| Pretax return on assets | 1.6022% | 1,374 |
| Return on Equity (ROE) | 8.2401% | 2,968 |
| Retained earnings to average equity (ytd only) | 8.2401% | 1,389 |
| Net charge-offs to loans | 0.6645% | 988 |
| Credit loss provision to net charge-offs | 103.9370% | 2,126 |
| Earnings coverage of net charge-offs (x) | 4.6457% | 3,079 |
| Efficiency ratio | 49.9151% | 6,436 |
| Assets per employee ($millions) | 4.0131% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7817% | 6,389 |
| Loan loss allowance to noncurrent loans | 29.4521% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 2.7268% | 1,526 |
| Noncurrent loans to loans | 2.6541% | 1,723 |
| Net loans and leases to total assets | 68.0016% | 2,228 |
| Net loans and leases to deposits | 79.5329% | 2,398 |
| Net loans and leases to core deposits | 85.3632% | 2,398 |
| Total domestic deposits to total assets | 85.5012% | 3,644 |
| Equity capital to assets | 14.2247% | 898 |
| Core capital (leverage) ratio | 13.7350% | 904 |
| Tier 1 risk-based capital ratio | 22.5191% | 1,200 |
| Total risk-based capital ratio | 23.3784% | 1,237 |
| Memoranda: | ||
| Average total assets | $57,172,000 | 5,938 |
| Average earning assets | $53,868,330 | 5,866 |
| Average equity | $7,839,670 | 5,469 |
| Average total loans | $38,223,000 | 5,496 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8112% | 1,265 |
| Cost of funding earning assets | 0.9224% | 883 |
| Net interest margin | 3.8888% | 2,156 |
| Noninterest income to average assets | 0.4231% | 4,293 |
| Noninterest expense to average assets | 2.0116% | 6,080 |
| Loan and lease loss provision to assets | 0.4301% | 692 |
| Net operating income to assets | 1.1445% | 1,702 |
| Return on assets (ROA) | 1.1445% | 1,811 |
| Pretax return on assets | 1.6370% | 1,222 |
| Return on Equity (ROE) | 8.5013% | 2,720 |
| Retained earnings to average equity (ytd only) | 8.5013% | 1,562 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3197% | 6,544 |
| Assets per employee ($millions) | 4.0999% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 6,160 |
| Loan loss allowance to noncurrent loans | 49.1736% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 2.2056% | 2,113 |
| Noncurrent loans to loans | 1.9145% | 2,716 |
| Net loans and leases to total assets | 65.4436% | 2,466 |
| Net loans and leases to deposits | 76.1098% | 2,623 |
| Net loans and leases to core deposits | 82.1071% | 2,555 |
| Total domestic deposits to total assets | 85.9858% | 3,532 |
| Equity capital to assets | 13.7337% | 1,121 |
| Core capital (leverage) ratio | 13.4110% | 970 |
| Tier 1 risk-based capital ratio | 21.9742% | 1,336 |
| Total risk-based capital ratio | 22.9892% | 1,354 |
| Memoranda: | ||
| Average total assets | $57,666,000 | 5,973 |
| Average earning assets | $54,206,500 | 5,898 |
| Average equity | $7,763,500 | 5,561 |
| Average total loans | $38,081,000 | 5,542 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0378% | 1,465 |
| Cost of funding earning assets | 1.0857% | 957 |
| Net interest margin | 3.9521% | 2,599 |
| Noninterest income to average assets | 0.4236% | 4,429 |
| Noninterest expense to average assets | 2.2281% | 5,860 |
| Loan and lease loss provision to assets | 0.2812% | 2,405 |
| Net operating income to assets | 1.1492% | 1,769 |
| Return on assets (ROA) | 1.1799% | 1,829 |
| Pretax return on assets | 1.6302% | 1,306 |
| Return on Equity (ROE) | 8.7798% | 2,747 |
| Retained earnings to average equity (ytd only) | 4.8335% | 2,822 |
| Net charge-offs to loans | 0.4394% | 2,473 |
| Credit loss provision to net charge-offs | 96.9325% | 3,206 |
| Earnings coverage of net charge-offs (x) | 6.4417% | 2,811 |
| Efficiency ratio | 54.3875% | 6,227 |
| Assets per employee ($millions) | 4.4564% | 3,043 |
| Cash dividends to net income (ytd only)* | 44.9472% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7714% | 6,539 |
| Loan loss allowance to noncurrent loans | 36.9212% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 2.3130% | 2,126 |
| Noncurrent loans to loans | 2.0894% | 2,592 |
| Net loans and leases to total assets | 65.4998% | 2,608 |
| Net loans and leases to deposits | 75.6288% | 2,865 |
| Net loans and leases to core deposits | 80.8997% | 2,891 |
| Total domestic deposits to total assets | 86.6069% | 3,039 |
| Equity capital to assets | 13.1946% | 1,357 |
| Core capital (leverage) ratio | 13.2987% | 1,017 |
| Tier 1 risk-based capital ratio | 21.5048% | 1,360 |
| Total risk-based capital ratio | 22.3424% | 1,408 |
| Memoranda: | ||
| Average total assets | $56,191,000 | 6,021 |
| Average earning assets | $52,225,600 | 5,975 |
| Average equity | $7,551,400 | 5,620 |
| Average total loans | $37,093,200 | 5,630 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0682% | 1,505 |
| Cost of funding earning assets | 1.1228% | 971 |
| Net interest margin | 3.9454% | 2,724 |
| Noninterest income to average assets | 0.4567% | 4,233 |
| Noninterest expense to average assets | 2.2096% | 5,930 |
| Loan and lease loss provision to assets | 0.2750% | 2,378 |
| Net operating income to assets | 1.1549% | 1,886 |
| Return on assets (ROA) | 1.1957% | 1,932 |
| Pretax return on assets | 1.6931% | 1,291 |
| Return on Equity (ROE) | 8.8553% | 2,874 |
| Retained earnings to average equity (ytd only) | 8.8553% | 1,285 |
| Net charge-offs to loans | 0.2065% | 3,495 |
| Credit loss provision to net charge-offs | 201.7544% | 1,366 |
| Earnings coverage of net charge-offs (x) | 14.0172% | 1,870 |
| Efficiency ratio | 53.6274% | 6,292 |
| Assets per employee ($millions) | 4.1982% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 6,254 |
| Loan loss allowance to noncurrent loans | 28.5714% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 3.2565% | 1,569 |
| Noncurrent loans to loans | 3.3163% | 1,656 |
| Net loans and leases to total assets | 63.6750% | 3,081 |
| Net loans and leases to deposits | 73.6916% | 3,342 |
| Net loans and leases to core deposits | 78.8276% | 3,348 |
| Total domestic deposits to total assets | 86.4075% | 3,033 |
| Equity capital to assets | 13.2080% | 1,491 |
| Core capital (leverage) ratio | 13.6989% | 943 |
| Tier 1 risk-based capital ratio | 21.8488% | 1,356 |
| Total risk-based capital ratio | 22.8633% | 1,375 |
| Memoranda: | ||
| Average total assets | $55,755,500 | 6,098 |
| Average earning assets | $51,772,500 | 6,058 |
| Average equity | $7,528,250 | 5,688 |
| Average total loans | $36,806,250 | 5,714 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 1,397 |
| Cost of funding earning assets | 1.1596% | 979 |
| Net interest margin | 3.9819% | 2,583 |
| Noninterest income to average assets | 0.4566% | 4,243 |
| Noninterest expense to average assets | 2.2357% | 5,911 |
| Loan and lease loss provision to assets | 0.1936% | 3,152 |
| Net operating income to assets | 1.2201% | 1,646 |
| Return on assets (ROA) | 1.2201% | 1,838 |
| Pretax return on assets | 1.7279% | 1,188 |
| Return on Equity (ROE) | 8.9664% | 2,830 |
| Retained earnings to average equity (ytd only) | 8.9664% | 1,291 |
| Net charge-offs to loans | 0.0164% | 5,187 |
| Credit loss provision to net charge-offs | 1,766.6667% | 180 |
| Earnings coverage of net charge-offs (x) | 175.3333% | 262 |
| Efficiency ratio | 53.7786% | 6,335 |
| Assets per employee ($millions) | 3.9583% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 6,342 |
| Loan loss allowance to noncurrent loans | 40.8401% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 2.6527% | 2,084 |
| Noncurrent loans to loans | 2.3109% | 2,592 |
| Net loans and leases to total assets | 66.2895% | 2,613 |
| Net loans and leases to deposits | 77.2328% | 2,798 |
| Net loans and leases to core deposits | 82.9982% | 2,828 |
| Total domestic deposits to total assets | 85.8308% | 3,437 |
| Equity capital to assets | 13.7469% | 1,195 |
| Core capital (leverage) ratio | 13.7884% | 870 |
| Tier 1 risk-based capital ratio | 22.1259% | 1,268 |
| Total risk-based capital ratio | 23.1511% | 1,293 |
| Memoranda: | ||
| Average total assets | $54,749,000 | 6,171 |
| Average earning assets | $50,879,670 | 6,121 |
| Average equity | $7,450,000 | 5,724 |
| Average total loans | $36,480,670 | 5,762 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2382% | 1,235 |
| Cost of funding earning assets | 1.2185% | 901 |
| Net interest margin | 4.0196% | 2,420 |
| Noninterest income to average assets | 0.4190% | 4,527 |
| Noninterest expense to average assets | 2.2714% | 5,850 |
| Loan and lease loss provision to assets | 0.1250% | 3,785 |
| Net operating income to assets | 1.2129% | 1,700 |
| Return on assets (ROA) | 1.2129% | 1,882 |
| Pretax return on assets | 1.7569% | 1,180 |
| Return on Equity (ROE) | 8.9601% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.9601% | 1,611 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6903% | 6,266 |
| Assets per employee ($millions) | 4.1840% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8704% | 6,613 |
| Loan loss allowance to noncurrent loans | 49.5313% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 2.3128% | 2,566 |
| Noncurrent loans to loans | 1.7573% | 3,477 |
| Net loans and leases to total assets | 66.3737% | 2,396 |
| Net loans and leases to deposits | 77.2715% | 2,634 |
| Net loans and leases to core deposits | 83.1441% | 2,662 |
| Total domestic deposits to total assets | 85.8968% | 3,593 |
| Equity capital to assets | 13.6822% | 1,153 |
| Core capital (leverage) ratio | 13.4940% | 957 |
| Tier 1 risk-based capital ratio | 21.6620% | 1,344 |
| Total risk-based capital ratio | 22.5918% | 1,388 |
| Memoranda: | ||
| Average total assets | $54,415,500 | 6,213 |
| Average earning assets | $50,552,000 | 6,171 |
| Average equity | $7,366,000 | 5,771 |
| Average total loans | $36,178,500 | 5,817 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2159% | 2,001 |
| Cost of funding earning assets | 1.4272% | 930 |
| Net interest margin | 3.7888% | 3,884 |
| Noninterest income to average assets | 0.4115% | 4,526 |
| Noninterest expense to average assets | 2.2281% | 6,212 |
| Loan and lease loss provision to assets | 0.2829% | 3,405 |
| Net operating income to assets | 0.9974% | 2,207 |
| Return on assets (ROA) | 0.9974% | 2,352 |
| Pretax return on assets | 1.4456% | 1,637 |
| Return on Equity (ROE) | 7.6050% | 3,100 |
| Retained earnings to average equity (ytd only) | 4.3697% | 3,065 |
| Net charge-offs to loans | 0.4945% | 3,017 |
| Credit loss provision to net charge-offs | 87.5000% | 4,126 |
| Earnings coverage of net charge-offs (x) | 5.3466% | 2,823 |
| Efficiency ratio | 56.3138% | 6,278 |
| Assets per employee ($millions) | 3.8885% | 4,104 |
| Cash dividends to net income (ytd only)* | 42.5414% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 6,675 |
| Loan loss allowance to noncurrent loans | 67.2646% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.9875% | 2,984 |
| Noncurrent loans to loans | 1.2410% | 4,291 |
| Net loans and leases to total assets | 65.4641% | 2,887 |
| Net loans and leases to deposits | 75.8465% | 3,198 |
| Net loans and leases to core deposits | 81.2096% | 3,299 |
| Total domestic deposits to total assets | 86.3113% | 3,136 |
| Equity capital to assets | 13.3911% | 1,325 |
| Core capital (leverage) ratio | 12.9403% | 1,167 |
| Tier 1 risk-based capital ratio | 21.1862% | 1,379 |
| Total risk-based capital ratio | 22.0653% | 1,430 |
| Memoranda: | ||
| Average total assets | $54,440,400 | 6,215 |
| Average earning assets | $50,940,000 | 6,162 |
| Average equity | $7,140,000 | 5,828 |
| Average total loans | $35,589,000 | 5,889 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2060% | 2,190 |
| Cost of funding earning assets | 1.4531% | 1,016 |
| Net interest margin | 3.7530% | 4,096 |
| Noninterest income to average assets | 0.3380% | 5,148 |
| Noninterest expense to average assets | 2.1895% | 6,304 |
| Loan and lease loss provision to assets | 0.3649% | 2,670 |
| Net operating income to assets | 0.9184% | 2,677 |
| Return on assets (ROA) | 0.9184% | 2,811 |
| Pretax return on assets | 1.3005% | 2,286 |
| Return on Equity (ROE) | 7.0396% | 3,510 |
| Retained earnings to average equity (ytd only) | 6.8518% | 2,051 |
| Net charge-offs to loans | 0.6610% | 2,266 |
| Credit loss provision to net charge-offs | 84.6591% | 3,974 |
| Earnings coverage of net charge-offs (x) | 3.8636% | 3,266 |
| Efficiency ratio | 56.7980% | 6,172 |
| Assets per employee ($millions) | 4.1003% | 3,645 |
| Cash dividends to net income (ytd only)* | 2.6661% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 6,740 |
| Loan loss allowance to noncurrent loans | 64.1304% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.0382% | 3,096 |
| Noncurrent loans to loans | 1.3106% | 4,347 |
| Net loans and leases to total assets | 60.6299% | 4,023 |
| Net loans and leases to deposits | 69.7587% | 4,337 |
| Net loans and leases to core deposits | 73.4665% | 4,535 |
| Total domestic deposits to total assets | 86.9138% | 2,706 |
| Equity capital to assets | 12.7883% | 1,726 |
| Core capital (leverage) ratio | 13.2096% | 1,146 |
| Tier 1 risk-based capital ratio | 21.3394% | 1,394 |
| Total risk-based capital ratio | 22.2040% | 1,440 |
| Memoranda: | ||
| Average total assets | $54,440,750 | 6,263 |
| Average earning assets | $51,016,250 | 6,200 |
| Average equity | $7,102,500 | 5,878 |
| Average total loans | $35,501,750 | 5,947 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2550% | 2,048 |
| Cost of funding earning assets | 1.4829% | 1,062 |
| Net interest margin | 3.7722% | 3,927 |
| Noninterest income to average assets | 0.2956% | 5,521 |
| Noninterest expense to average assets | 2.1701% | 6,456 |
| Loan and lease loss provision to assets | 0.5014% | 1,956 |
| Net operating income to assets | 0.8643% | 2,802 |
| Return on assets (ROA) | 0.8643% | 2,889 |
| Pretax return on assets | 1.2123% | 2,434 |
| Return on Equity (ROE) | 6.5784% | 3,657 |
| Retained earnings to average equity (ytd only) | 6.2936% | 2,249 |
| Net charge-offs to loans | 0.8418% | 1,817 |
| Credit loss provision to net charge-offs | 89.3333% | 3,471 |
| Earnings coverage of net charge-offs (x) | 3.0533% | 3,326 |
| Efficiency ratio | 55.8767% | 6,436 |
| Assets per employee ($millions) | 4.0917% | 3,566 |
| Cash dividends to net income (ytd only)* | 4.3290% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 6,720 |
| Loan loss allowance to noncurrent loans | 46.3636% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 2.5023% | 2,665 |
| Noncurrent loans to loans | 1.8886% | 3,621 |
| Net loans and leases to total assets | 65.1226% | 3,228 |
| Net loans and leases to deposits | 75.3109% | 3,593 |
| Net loans and leases to core deposits | 79.6725% | 3,832 |
| Total domestic deposits to total assets | 86.4716% | 3,055 |
| Equity capital to assets | 13.4043% | 1,338 |
| Core capital (leverage) ratio | 13.4350% | 1,014 |
| Tier 1 risk-based capital ratio | 22.2972% | 1,214 |
| Total risk-based capital ratio | 23.2531% | 1,227 |
| Memoranda: | ||
| Average total assets | $53,453,000 | 6,352 |
| Average earning assets | $50,846,330 | 6,263 |
| Average equity | $7,023,000 | 5,919 |
| Average total loans | $35,636,000 | 5,982 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3311% | 1,776 |
| Cost of funding earning assets | 1.5109% | 1,121 |
| Net interest margin | 3.8202% | 3,510 |
| Noninterest income to average assets | 0.3285% | 5,279 |
| Noninterest expense to average assets | 2.1350% | 6,556 |
| Loan and lease loss provision to assets | 0.5972% | 1,442 |
| Net operating income to assets | 0.8585% | 2,746 |
| Return on assets (ROA) | 0.8585% | 2,809 |
| Pretax return on assets | 1.2392% | 2,233 |
| Return on Equity (ROE) | 6.6002% | 3,575 |
| Retained earnings to average equity (ytd only) | 6.6002% | 2,323 |
| Net charge-offs to loans | 0.7782% | 1,656 |
| Credit loss provision to net charge-offs | 114.2857% | 2,350 |
| Earnings coverage of net charge-offs (x) | 3.5143% | 2,718 |
| Efficiency ratio | 53.7594% | 6,712 |
| Assets per employee ($millions) | 4.0953% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 6,571 |
| Loan loss allowance to noncurrent loans | 33.0677% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 2.7780% | 2,482 |
| Noncurrent loans to loans | 2.8538% | 2,642 |
| Net loans and leases to total assets | 65.4577% | 3,139 |
| Net loans and leases to deposits | 75.5829% | 3,479 |
| Net loans and leases to core deposits | 80.4232% | 3,681 |
| Total domestic deposits to total assets | 86.6038% | 3,180 |
| Equity capital to assets | 13.1764% | 1,309 |
| Core capital (leverage) ratio | 13.1550% | 1,076 |
| Tier 1 risk-based capital ratio | 21.8609% | 1,248 |
| Total risk-based capital ratio | 22.8930% | 1,270 |
| Memoranda: | ||
| Average total assets | $53,583,500 | 6,389 |
| Average earning assets | $51,096,500 | 6,301 |
| Average equity | $6,969,500 | 5,939 |
| Average total loans | $35,981,000 | 6,027 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8439% | 1,163 |
| Cost of funding earning assets | 1.8739% | 930 |
| Net interest margin | 3.9700% | 3,151 |
| Noninterest income to average assets | 0.2698% | 5,857 |
| Noninterest expense to average assets | 2.2522% | 6,476 |
| Loan and lease loss provision to assets | 0.1397% | 5,787 |
| Net operating income to assets | 1.0672% | 1,819 |
| Return on assets (ROA) | 1.0658% | 1,908 |
| Pretax return on assets | 1.5327% | 1,291 |
| Return on Equity (ROE) | 8.1454% | 2,646 |
| Retained earnings to average equity (ytd only) | 4.6211% | 2,653 |
| Net charge-offs to loans | 0.2291% | 4,910 |
| Credit loss provision to net charge-offs | 85.8824% | 5,292 |
| Earnings coverage of net charge-offs (x) | 10.2941% | 1,732 |
| Efficiency ratio | 57.3587% | 6,410 |
| Assets per employee ($millions) | 4.1483% | 3,485 |
| Cash dividends to net income (ytd only)* | 43.2675% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 6,787 |
| Loan loss allowance to noncurrent loans | 20.2388% | 6,801 |
| Noncurrent assets plus other real estate owned to assets | 3.0856% | 2,288 |
| Noncurrent loans to loans | 4.3256% | 1,667 |
| Net loans and leases to total assets | 67.6068% | 3,074 |
| Net loans and leases to deposits | 77.7825% | 3,545 |
| Net loans and leases to core deposits | 82.6753% | 3,795 |
| Total domestic deposits to total assets | 86.9177% | 2,873 |
| Equity capital to assets | 12.8393% | 1,470 |
| Core capital (leverage) ratio | 12.9646% | 1,137 |
| Tier 1 risk-based capital ratio | 21.2009% | 1,286 |
| Total risk-based capital ratio | 22.1878% | 1,302 |
| Memoranda: | ||
| Average total assets | $52,260,000 | 6,454 |
| Average earning assets | $48,135,600 | 6,425 |
| Average equity | $6,838,200 | 6,093 |
| Average total loans | $37,099,400 | 6,063 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9921% | 949 |
| Cost of funding earning assets | 1.9466% | 890 |
| Net interest margin | 4.0455% | 2,879 |
| Noninterest income to average assets | 0.2726% | 5,930 |
| Noninterest expense to average assets | 2.2966% | 6,338 |
| Loan and lease loss provision to assets | 0.1157% | 5,870 |
| Net operating income to assets | 1.0716% | 1,999 |
| Return on assets (ROA) | 1.0699% | 2,116 |
| Pretax return on assets | 1.5456% | 1,484 |
| Return on Equity (ROE) | 8.1366% | 2,847 |
| Retained earnings to average equity (ytd only) | 7.9410% | 1,440 |
| Net charge-offs to loans | 0.3048% | 4,145 |
| Credit loss provision to net charge-offs | 52.9412% | 5,843 |
| Earnings coverage of net charge-offs (x) | 7.6118% | 2,295 |
| Efficiency ratio | 57.9870% | 6,275 |
| Assets per employee ($millions) | 4.1967% | 3,452 |
| Cash dividends to net income (ytd only)* | 2.4033% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7938% | 7,019 |
| Loan loss allowance to noncurrent loans | 18.6194% | 6,957 |
| Noncurrent assets plus other real estate owned to assets | 3.1398% | 2,294 |
| Noncurrent loans to loans | 4.2635% | 1,706 |
| Net loans and leases to total assets | 67.3442% | 3,365 |
| Net loans and leases to deposits | 77.7373% | 3,876 |
| Net loans and leases to core deposits | 82.5826% | 4,151 |
| Total domestic deposits to total assets | 86.6305% | 2,728 |
| Equity capital to assets | 12.9424% | 1,609 |
| Core capital (leverage) ratio | 13.3753% | 1,096 |
| Tier 1 risk-based capital ratio | 21.2300% | 1,324 |
| Total risk-based capital ratio | 22.1212% | 1,360 |
| Memoranda: | ||
| Average total assets | $51,843,000 | 6,546 |
| Average earning assets | $47,260,750 | 6,546 |
| Average equity | $6,816,750 | 6,173 |
| Average total loans | $37,179,000 | 6,135 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0455% | 851 |
| Cost of funding earning assets | 2.0283% | 831 |
| Net interest margin | 4.0172% | 2,935 |
| Noninterest income to average assets | 0.2474% | 6,139 |
| Noninterest expense to average assets | 2.3872% | 6,100 |
| Loan and lease loss provision to assets | 0.1335% | 5,553 |
| Net operating income to assets | 0.9094% | 2,521 |
| Return on assets (ROA) | 0.9148% | 2,599 |
| Pretax return on assets | 1.3349% | 1,996 |
| Return on Equity (ROE) | 6.9187% | 3,345 |
| Retained earnings to average equity (ytd only) | 6.6218% | 2,007 |
| Net charge-offs to loans | 0.4567% | 3,167 |
| Credit loss provision to net charge-offs | 40.0000% | 5,613 |
| Earnings coverage of net charge-offs (x) | 4.3765% | 2,968 |
| Efficiency ratio | 62.0408% | 5,684 |
| Assets per employee ($millions) | 3.6338% | 4,624 |
| Cash dividends to net income (ytd only)* | 4.2918% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7570% | 7,128 |
| Loan loss allowance to noncurrent loans | 23.1209% | 6,786 |
| Noncurrent assets plus other real estate owned to assets | 2.6969% | 2,683 |
| Noncurrent loans to loans | 3.2742% | 2,452 |
| Net loans and leases to total assets | 72.9267% | 2,185 |
| Net loans and leases to deposits | 84.5931% | 2,772 |
| Net loans and leases to core deposits | 95.5865% | 2,495 |
| Total domestic deposits to total assets | 86.2088% | 2,968 |
| Equity capital to assets | 13.4511% | 1,365 |
| Core capital (leverage) ratio | 13.5040% | 1,057 |
| Tier 1 risk-based capital ratio | 21.0746% | 1,327 |
| Total risk-based capital ratio | 21.9490% | 1,363 |
| Memoranda: | ||
| Average total assets | $50,938,330 | 6,617 |
| Average earning assets | $45,653,670 | 6,649 |
| Average equity | $6,735,330 | 6,224 |
| Average total loans | $37,227,000 | 6,184 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1927% | 651 |
| Cost of funding earning assets | 2.0296% | 1,002 |
| Net interest margin | 4.1632% | 2,181 |
| Noninterest income to average assets | 0.2354% | 6,271 |
| Noninterest expense to average assets | 2.2444% | 6,566 |
| Loan and lease loss provision to assets | 0.2590% | 3,964 |
| Net operating income to assets | 1.0202% | 2,111 |
| Return on assets (ROA) | 1.0202% | 2,171 |
| Pretax return on assets | 1.4989% | 1,521 |
| Return on Equity (ROE) | 7.7827% | 2,984 |
| Retained earnings to average equity (ytd only) | 7.1840% | 2,053 |
| Net charge-offs to loans | 0.1830% | 3,823 |
| Credit loss provision to net charge-offs | 194.1176% | 1,909 |
| Earnings coverage of net charge-offs (x) | 13.1765% | 1,516 |
| Efficiency ratio | 56.0784% | 6,751 |
| Assets per employee ($millions) | 3.6472% | 4,702 |
| Cash dividends to net income (ytd only)* | 7.6923% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 6,677 |
| Loan loss allowance to noncurrent loans | 36.0453% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 2.4618% | 2,950 |
| Noncurrent loans to loans | 2.6295% | 3,038 |
| Net loans and leases to total assets | 71.6339% | 2,538 |
| Net loans and leases to deposits | 82.9787% | 3,108 |
| Net loans and leases to core deposits | 88.6135% | 3,550 |
| Total domestic deposits to total assets | 86.3281% | 2,972 |
| Equity capital to assets | 13.2019% | 1,441 |
| Core capital (leverage) ratio | 13.2442% | 1,143 |
| Tier 1 risk-based capital ratio | 20.7730% | 1,378 |
| Total risk-based capital ratio | 21.8553% | 1,381 |
| Memoranda: | ||
| Average total assets | $50,971,000 | 6,702 |
| Average earning assets | $46,118,500 | 6,702 |
| Average equity | $6,681,500 | 6,296 |
| Average total loans | $37,149,000 | 6,259 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3638% | 902 |
| Cost of funding earning assets | 2.2611% | 1,799 |
| Net interest margin | 4.1027% | 2,434 |
| Noninterest income to average assets | 0.2286% | 6,478 |
| Noninterest expense to average assets | 2.3055% | 6,734 |
| Loan and lease loss provision to assets | 0.2091% | 5,670 |
| Net operating income to assets | 0.9710% | 1,939 |
| Return on assets (ROA) | 0.9710% | 1,995 |
| Pretax return on assets | 1.4399% | 1,334 |
| Return on Equity (ROE) | 7.6452% | 2,519 |
| Retained earnings to average equity (ytd only) | 4.8763% | 1,887 |
| Net charge-offs to loans | 0.1465% | 5,777 |
| Credit loss provision to net charge-offs | 198.1481% | 1,984 |
| Earnings coverage of net charge-offs (x) | 15.6296% | 1,297 |
| Efficiency ratio | 58.3004% | 6,722 |
| Assets per employee ($millions) | 3.6344% | 4,687 |
| Cash dividends to net income (ytd only)* | 36.2173% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 6,841 |
| Loan loss allowance to noncurrent loans | 51.8634% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 1.6666% | 3,869 |
| Noncurrent loans to loans | 1.7233% | 4,051 |
| Net loans and leases to total assets | 72.7914% | 2,556 |
| Net loans and leases to deposits | 84.0146% | 3,270 |
| Net loans and leases to core deposits | 106.4741% | 3,280 |
| Total domestic deposits to total assets | 86.6414% | 2,683 |
| Equity capital to assets | 13.0147% | 1,499 |
| Core capital (leverage) ratio | 12.7429% | 1,330 |
| Tier 1 risk-based capital ratio | 20.2337% | 1,420 |
| Total risk-based capital ratio | 21.2579% | 1,425 |
| Memoranda: | ||
| Average total assets | $51,183,000 | 6,661 |
| Average earning assets | $46,481,800 | 6,667 |
| Average equity | $6,500,800 | 6,428 |
| Average total loans | $36,869,800 | 6,255 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3380% | 1,050 |
| Cost of funding earning assets | 2.3027% | 1,976 |
| Net interest margin | 4.0354% | 2,656 |
| Noninterest income to average assets | 0.2185% | 6,665 |
| Noninterest expense to average assets | 2.2682% | 6,787 |
| Loan and lease loss provision to assets | 0.2081% | 5,317 |
| Net operating income to assets | 0.9546% | 2,219 |
| Return on assets (ROA) | 0.9546% | 2,276 |
| Pretax return on assets | 1.4072% | 1,674 |
| Return on Equity (ROE) | 7.5623% | 2,836 |
| Retained earnings to average equity (ytd only) | 7.3974% | 1,351 |
| Net charge-offs to loans | 0.2068% | 4,748 |
| Credit loss provision to net charge-offs | 140.3509% | 3,502 |
| Earnings coverage of net charge-offs (x) | 10.8945% | 1,904 |
| Efficiency ratio | 58.4059% | 6,664 |
| Assets per employee ($millions) | 3.3750% | 5,216 |
| Cash dividends to net income (ytd only)* | 2.1806% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8196% | 7,059 |
| Loan loss allowance to noncurrent loans | 47.3520% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 1.5741% | 3,991 |
| Noncurrent loans to loans | 1.7309% | 4,039 |
| Net loans and leases to total assets | 68.1241% | 3,930 |
| Net loans and leases to deposits | 78.0759% | 4,727 |
| Net loans and leases to core deposits | 98.8393% | 4,507 |
| Total domestic deposits to total assets | 87.2537% | 2,047 |
| Equity capital to assets | 12.3407% | 2,037 |
| Core capital (leverage) ratio | 12.8777% | 1,419 |
| Tier 1 risk-based capital ratio | 14.9587% | 3,058 |
| Total risk-based capital ratio | 15.6435% | 3,279 |
| Memoranda: | ||
| Average total assets | $51,258,500 | 6,716 |
| Average earning assets | $46,553,750 | 6,712 |
| Average equity | $6,470,500 | 6,497 |
| Average total loans | $36,744,500 | 6,301 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3900% | 1,027 |
| Cost of funding earning assets | 2.3723% | 2,069 |
| Net interest margin | 4.0177% | 2,627 |
| Noninterest income to average assets | 0.2026% | 6,846 |
| Noninterest expense to average assets | 2.2763% | 6,833 |
| Loan and lease loss provision to assets | 0.2781% | 4,353 |
| Net operating income to assets | 0.8779% | 2,547 |
| Return on assets (ROA) | 0.8779% | 2,650 |
| Pretax return on assets | 1.3149% | 1,975 |
| Return on Equity (ROE) | 6.8998% | 3,251 |
| Retained earnings to average equity (ytd only) | 6.6500% | 1,721 |
| Net charge-offs to loans | 0.2785% | 3,804 |
| Credit loss provision to net charge-offs | 137.2549% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.8627% | 2,373 |
| Efficiency ratio | 58.8296% | 6,716 |
| Assets per employee ($millions) | 3.1325% | 5,769 |
| Cash dividends to net income (ytd only)* | 3.6199% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8288% | 7,055 |
| Loan loss allowance to noncurrent loans | 92.3077% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0874% | 4,782 |
| Noncurrent loans to loans | 0.8979% | 5,418 |
| Net loans and leases to total assets | 71.6221% | 3,314 |
| Net loans and leases to deposits | 82.7120% | 4,098 |
| Net loans and leases to core deposits | 106.6776% | 3,756 |
| Total domestic deposits to total assets | 86.5922% | 2,457 |
| Equity capital to assets | 13.0048% | 1,690 |
| Core capital (leverage) ratio | 12.7601% | 1,520 |
| Tier 1 risk-based capital ratio | 15.0746% | 2,991 |
| Total risk-based capital ratio | 15.7710% | 3,172 |
| Memoranda: | ||
| Average total assets | $50,344,670 | 6,812 |
| Average earning assets | $45,946,670 | 6,803 |
| Average equity | $6,406,000 | 6,571 |
| Average total loans | $36,629,000 | 6,368 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2981% | 1,305 |
| Cost of funding earning assets | 2.3650% | 2,440 |
| Net interest margin | 3.9331% | 2,915 |
| Noninterest income to average assets | 0.1982% | 6,877 |
| Noninterest expense to average assets | 2.2752% | 6,614 |
| Loan and lease loss provision to assets | 0.4994% | 2,468 |
| Net operating income to assets | 0.6659% | 3,726 |
| Return on assets (ROA) | 0.6659% | 3,902 |
| Pretax return on assets | 1.0623% | 3,134 |
| Return on Equity (ROE) | 5.2913% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.2913% | 2,965 |
| Net charge-offs to loans | 0.4234% | 2,405 |
| Credit loss provision to net charge-offs | 161.5385% | 2,629 |
| Earnings coverage of net charge-offs (x) | 5.0513% | 2,758 |
| Efficiency ratio | 59.2975% | 6,508 |
| Assets per employee ($millions) | 3.1425% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 7,008 |
| Loan loss allowance to noncurrent loans | 64.2105% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.4081% | 3,833 |
| Noncurrent loans to loans | 1.3083% | 4,361 |
| Net loans and leases to total assets | 71.6050% | 3,326 |
| Net loans and leases to deposits | 82.4698% | 4,210 |
| Net loans and leases to core deposits | 109.4117% | 3,509 |
| Total domestic deposits to total assets | 86.8258% | 2,304 |
| Equity capital to assets | 12.7088% | 1,881 |
| Core capital (leverage) ratio | 12.6960% | 1,603 |
| Tier 1 risk-based capital ratio | 19.9267% | 1,637 |
| Total risk-based capital ratio | 20.8816% | 1,640 |
| Memoranda: | ||
| Average total assets | $50,457,000 | 6,850 |
| Average earning assets | $46,680,500 | 6,812 |
| Average equity | $6,350,000 | 6,640 |
| Average total loans | $36,845,000 | 6,389 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6094% | 2,439 |
| Cost of funding earning assets | 2.6510% | 3,422 |
| Net interest margin | 3.9584% | 3,317 |
| Noninterest income to average assets | 0.2543% | 6,629 |
| Noninterest expense to average assets | 2.1823% | 7,012 |
| Loan and lease loss provision to assets | 0.3489% | 3,608 |
| Net operating income to assets | 0.9048% | 2,975 |
| Return on assets (ROA) | 0.9048% | 2,822 |
| Pretax return on assets | 1.3878% | 2,007 |
| Return on Equity (ROE) | 7.3678% | 3,337 |
| Retained earnings to average equity (ytd only) | 4.4624% | 2,351 |
| Net charge-offs to loans | 0.3925% | 2,855 |
| Credit loss provision to net charge-offs | 118.7919% | 4,539 |
| Earnings coverage of net charge-offs (x) | 5.9128% | 3,490 |
| Efficiency ratio | 55.6841% | 7,056 |
| Assets per employee ($millions) | 3.1646% | 5,577 |
| Cash dividends to net income (ytd only)* | 39.4336% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7517% | 7,276 |
| Loan loss allowance to noncurrent loans | 74.5358% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.2087% | 3,826 |
| Noncurrent loans to loans | 1.0085% | 4,568 |
| Net loans and leases to total assets | 73.2729% | 3,290 |
| Net loans and leases to deposits | 84.0568% | 4,416 |
| Net loans and leases to core deposits | 109.3038% | 3,826 |
| Total domestic deposits to total assets | 87.1707% | 1,854 |
| Equity capital to assets | 12.4620% | 2,036 |
| Core capital (leverage) ratio | 12.0654% | 1,937 |
| Tier 1 risk-based capital ratio | 19.3143% | 1,744 |
| Total risk-based capital ratio | 20.1784% | 1,783 |
| Memoranda: | ||
| Average total assets | $50,727,200 | 6,747 |
| Average earning assets | $46,963,400 | 6,715 |
| Average equity | $6,229,800 | 6,723 |
| Average total loans | $37,962,200 | 6,273 |