Home > Maynard Savings Bank > Performance and Condition Ratios
Maynard Savings 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 | 3.5554% | 4,378 |
| Cost of funding earning assets | 1.2923% | 2,540 |
| Net interest margin | 2.2630% | 4,278 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.7722% | 4,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5418% | 3,586 |
| Return on assets (ROA) | 0.5860% | 3,469 |
| Pretax return on assets | 0.6050% | 3,622 |
| Return on Equity (ROE) | 7.8300% | 3,073 |
| Retained earnings to average equity (ytd only) | 3.3891% | 3,168 |
| Net charge-offs to loans | -0.0707% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.0081% | 1,244 |
| Assets per employee ($millions) | 7.9591% | 1,462 |
| Cash dividends to net income (ytd only)* | 56.7261% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9465% | 417 |
| Loan loss allowance to noncurrent loans | 1,204.1096% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 2,741 |
| Noncurrent loans to loans | 0.1617% | 2,711 |
| Net loans and leases to total assets | 39.7400% | 4,045 |
| Net loans and leases to deposits | 47.0848% | 4,018 |
| Net loans and leases to core deposits | 48.6556% | 4,108 |
| Total domestic deposits to total assets | 84.4000% | 2,502 |
| Equity capital to assets | 8.0267% | 3,398 |
| Core capital (leverage) ratio | 15.3427% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $105,295,400 | 3,779 |
| Average earning assets | $102,295,600 | 3,722 |
| Average equity | $7,878,200 | 3,945 |
| Average total loans | $42,461,800 | 3,958 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6757% | 4,241 |
| Cost of funding earning assets | 1.2935% | 2,168 |
| Net interest margin | 2.3822% | 4,251 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.7056% | 4,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6892% | 3,350 |
| Return on assets (ROA) | 0.6892% | 3,331 |
| Pretax return on assets | 0.6966% | 3,562 |
| Return on Equity (ROE) | 8.6900% | 3,011 |
| Retained earnings to average equity (ytd only) | 8.6890% | 1,770 |
| Net charge-offs to loans | -0.0911% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.0023% | 1,679 |
| Assets per employee ($millions) | 8.0551% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9468% | 430 |
| Loan loss allowance to noncurrent loans | 148.2688% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.7600% | 733 |
| Noncurrent loans to loans | 1.3130% | 584 |
| Net loans and leases to total assets | 50.5800% | 3,580 |
| Net loans and leases to deposits | 62.6416% | 3,367 |
| Net loans and leases to core deposits | 66.8283% | 3,386 |
| Total domestic deposits to total assets | 80.7400% | 3,425 |
| Equity capital to assets | 7.6390% | 3,274 |
| Core capital (leverage) ratio | 14.2667% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $72,543,750 | 4,109 |
| Average earning assets | $70,298,000 | 4,052 |
| Average equity | $5,754,250 | 4,193 |
| Average total loans | $36,603,500 | 4,059 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6019% | 4,246 |
| Cost of funding earning assets | 1.0897% | 2,316 |
| Net interest margin | 2.5122% | 4,194 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 1.5656% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9096% | 2,726 |
| Return on assets (ROA) | 0.9096% | 2,709 |
| Pretax return on assets | 0.9124% | 3,135 |
| Return on Equity (ROE) | 11.3300% | 2,346 |
| Retained earnings to average equity (ytd only) | 11.3279% | 1,119 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.1813% | 2,574 |
| Assets per employee ($millions) | 8.1847% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9013% | 491 |
| Loan loss allowance to noncurrent loans | 5,858.3333% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 2,848 |
| Noncurrent loans to loans | 0.0325% | 3,510 |
| Net loans and leases to total assets | 49.2400% | 3,604 |
| Net loans and leases to deposits | 61.2310% | 3,353 |
| Net loans and leases to core deposits | 65.9036% | 3,355 |
| Total domestic deposits to total assets | 80.4200% | 3,515 |
| Equity capital to assets | 8.2526% | 3,054 |
| Core capital (leverage) ratio | 14.2613% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $72,559,667 | 4,122 |
| Average earning assets | $70,296,333 | 4,075 |
| Average equity | $5,826,333 | 4,211 |
| Average total loans | $36,340,000 | 4,074 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4863% | 4,285 |
| Cost of funding earning assets | 0.8271% | 2,617 |
| Net interest margin | 2.6592% | 4,136 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.5165% | 4,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2776% | 1,730 |
| Return on assets (ROA) | 1.2776% | 1,699 |
| Pretax return on assets | 1.2443% | 2,320 |
| Return on Equity (ROE) | 16.1400% | 1,328 |
| Retained earnings to average equity (ytd only) | 16.1404% | 678 |
| Net charge-offs to loans | -0.0666% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.9296% | 3,510 |
| Assets per employee ($millions) | 8.0238% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9548% | 482 |
| Loan loss allowance to noncurrent loans | 549.6124% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 1,288 |
| Noncurrent loans to loans | 0.3557% | 1,871 |
| Net loans and leases to total assets | 49.2400% | 3,547 |
| Net loans and leases to deposits | 61.6345% | 3,247 |
| Net loans and leases to core deposits | 65.7058% | 3,251 |
| Total domestic deposits to total assets | 79.8900% | 3,773 |
| Equity capital to assets | 8.5856% | 2,820 |
| Core capital (leverage) ratio | 14.0885% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $72,008,500 | 4,180 |
| Average earning assets | $69,644,000 | 4,135 |
| Average equity | $5,700,000 | 4,280 |
| Average total loans | $36,022,500 | 4,132 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1226% | 3,955 |
| Cost of funding earning assets | 0.4324% | 1,841 |
| Net interest margin | 2.6902% | 4,069 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.5980% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0593% | 2,340 |
| Return on assets (ROA) | 1.0593% | 2,283 |
| Pretax return on assets | 1.1187% | 2,711 |
| Return on Equity (ROE) | 11.6600% | 2,256 |
| Retained earnings to average equity (ytd only) | 11.6647% | 740 |
| Net charge-offs to loans | -0.0536% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.8205% | 3,215 |
| Assets per employee ($millions) | 8.9754% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9650% | 462 |
| Loan loss allowance to noncurrent loans | 557.9365% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 1,048 |
| Noncurrent loans to loans | 0.3522% | 1,883 |
| Net loans and leases to total assets | 48.8500% | 3,600 |
| Net loans and leases to deposits | 61.1571% | 3,262 |
| Net loans and leases to core deposits | 63.7853% | 3,277 |
| Total domestic deposits to total assets | 79.8700% | 3,897 |
| Equity capital to assets | 7.2420% | 3,527 |
| Core capital (leverage) ratio | 16.1295% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $72,403,200 | 4,212 |
| Average earning assets | $69,845,000 | 4,159 |
| Average equity | $6,575,400 | 4,265 |
| Average total loans | $33,554,000 | 4,178 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0168% | 3,863 |
| Cost of funding earning assets | 0.4043% | 1,255 |
| Net interest margin | 2.6125% | 4,082 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.5381% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0162% | 2,420 |
| Return on assets (ROA) | 1.0162% | 2,392 |
| Pretax return on assets | 1.0732% | 2,801 |
| Return on Equity (ROE) | 10.6600% | 2,519 |
| Retained earnings to average equity (ytd only) | 10.6560% | 1,151 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.9022% | 3,262 |
| Assets per employee ($millions) | 10.3913% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 498 |
| Loan loss allowance to noncurrent loans | 1,802.6316% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 1,503 |
| Noncurrent loans to loans | 0.1114% | 3,091 |
| Net loans and leases to total assets | 45.9500% | 3,764 |
| Net loans and leases to deposits | 56.1602% | 3,464 |
| Net loans and leases to core deposits | 58.8538% | 3,459 |
| Total domestic deposits to total assets | 81.8300% | 3,865 |
| Equity capital to assets | 6.7859% | 3,623 |
| Core capital (leverage) ratio | 15.4757% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $72,553,250 | 4,239 |
| Average earning assets | $69,917,250 | 4,193 |
| Average equity | $6,919,250 | 4,270 |
| Average total loans | $32,998,500 | 4,215 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8980% | 3,789 |
| Cost of funding earning assets | 0.3915% | 973 |
| Net interest margin | 2.5065% | 4,078 |
| Noninterest income to average assets | 0.0441% | 4,647 |
| Noninterest expense to average assets | 1.5533% | 4,353 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8608% | 2,729 |
| Return on assets (ROA) | 0.8608% | 2,705 |
| Pretax return on assets | 0.9105% | 3,026 |
| Return on Equity (ROE) | 8.2318% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.2318% | 1,537 |
| Net charge-offs to loans | 0.0858% | 642 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 23.5714% | 1,489 |
| Efficiency ratio | 63.0459% | 2,913 |
| Assets per employee ($millions) | 9.3875% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0637% | 487 |
| Loan loss allowance to noncurrent loans | 771.2644% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 1,592 |
| Noncurrent loans to loans | 0.2676% | 2,407 |
| Net loans and leases to total assets | 42.4021% | 3,946 |
| Net loans and leases to deposits | 52.4319% | 3,654 |
| Net loans and leases to core deposits | 54.3756% | 3,678 |
| Total domestic deposits to total assets | 80.8708% | 4,147 |
| Equity capital to assets | 8.1332% | 3,017 |
| Core capital (leverage) ratio | 14.5275% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,491,333 | 4,290 |
| Average earning assets | $69,978,667 | 4,248 |
| Average equity | $7,580,333 | 4,246 |
| Average total loans | $32,627,667 | 4,270 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8730% | 3,602 |
| Cost of funding earning assets | 0.3912% | 918 |
| Net interest margin | 2.4817% | 3,934 |
| Noninterest income to average assets | 0.1686% | 4,156 |
| Noninterest expense to average assets | 1.4778% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0170% | 1,803 |
| Return on assets (ROA) | 1.0170% | 1,794 |
| Pretax return on assets | 1.0788% | 2,212 |
| Return on Equity (ROE) | 8.7056% | 2,432 |
| Retained earnings to average equity (ytd only) | 8.7056% | 1,364 |
| Net charge-offs to loans | 0.1591% | 371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 14.7692% | 1,365 |
| Efficiency ratio | 57.8022% | 3,703 |
| Assets per employee ($millions) | 9.1501% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0673% | 554 |
| Loan loss allowance to noncurrent loans | 445.0331% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 1,397 |
| Noncurrent loans to loans | 0.4645% | 1,864 |
| Net loans and leases to total assets | 43.4885% | 3,780 |
| Net loans and leases to deposits | 56.6946% | 3,198 |
| Net loans and leases to core deposits | 58.9704% | 3,240 |
| Total domestic deposits to total assets | 76.7066% | 4,473 |
| Equity capital to assets | 9.9384% | 1,942 |
| Core capital (leverage) ratio | 14.8401% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,187,000 | 4,325 |
| Average earning assets | $68,500,500 | 4,283 |
| Average equity | $8,316,500 | 4,236 |
| Average total loans | $32,684,000 | 4,283 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1462% | 3,592 |
| Cost of funding earning assets | 0.4928% | 965 |
| Net interest margin | 2.6534% | 3,956 |
| Noninterest income to average assets | 0.1955% | 4,190 |
| Noninterest expense to average assets | 1.5288% | 4,506 |
| Loan and lease loss provision to assets | 0.1852% | 607 |
| Net operating income to assets | 0.9911% | 2,707 |
| Return on assets (ROA) | 0.9911% | 2,776 |
| Pretax return on assets | 1.0103% | 3,235 |
| Return on Equity (ROE) | 7.1470% | 3,475 |
| Retained earnings to average equity (ytd only) | 7.1470% | 1,863 |
| Net charge-offs to loans | -0.1759% | 4,689 |
| Credit loss provision to net charge-offs | -208.3333% | 3,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1175% | 3,697 |
| Assets per employee ($millions) | 8.6466% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0875% | 532 |
| Loan loss allowance to noncurrent loans | 410.7784% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 1,374 |
| Noncurrent loans to loans | 0.5082% | 1,851 |
| Net loans and leases to total assets | 46.5153% | 3,652 |
| Net loans and leases to deposits | 64.3237% | 2,659 |
| Net loans and leases to core deposits | 67.2238% | 2,717 |
| Total domestic deposits to total assets | 72.3143% | 4,636 |
| Equity capital to assets | 13.5284% | 758 |
| Core capital (leverage) ratio | 14.5165% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,503,600 | 4,364 |
| Average earning assets | $64,332,200 | 4,330 |
| Average equity | $9,360,600 | 4,205 |
| Average total loans | $34,104,600 | 4,301 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1948% | 3,612 |
| Cost of funding earning assets | 0.5164% | 969 |
| Net interest margin | 2.6784% | 4,014 |
| Noninterest income to average assets | 0.1471% | 4,456 |
| Noninterest expense to average assets | 1.5124% | 4,580 |
| Loan and lease loss provision to assets | 0.2489% | 370 |
| Net operating income to assets | 0.9301% | 3,151 |
| Return on assets (ROA) | 0.9301% | 3,226 |
| Pretax return on assets | 0.9321% | 3,627 |
| Return on Equity (ROE) | 6.6656% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.6656% | 2,549 |
| Net charge-offs to loans | -0.2053% | 4,773 |
| Credit loss provision to net charge-offs | -235.8491% | 3,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1624% | 3,508 |
| Assets per employee ($millions) | 7.6670% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0287% | 600 |
| Loan loss allowance to noncurrent loans | 288.9362% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 1,456 |
| Noncurrent loans to loans | 0.7021% | 1,581 |
| Net loans and leases to total assets | 47.5211% | 3,673 |
| Net loans and leases to deposits | 66.0403% | 2,623 |
| Net loans and leases to core deposits | 69.0395% | 2,684 |
| Total domestic deposits to total assets | 71.9577% | 4,684 |
| Equity capital to assets | 13.8385% | 770 |
| Core capital (leverage) ratio | 13.8337% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,086,250 | 4,425 |
| Average earning assets | $63,768,250 | 4,395 |
| Average equity | $9,361,250 | 4,268 |
| Average total loans | $34,415,250 | 4,350 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2178% | 3,637 |
| Cost of funding earning assets | 0.5389% | 993 |
| Net interest margin | 2.6789% | 4,022 |
| Noninterest income to average assets | 0.1324% | 4,541 |
| Noninterest expense to average assets | 1.5140% | 4,611 |
| Loan and lease loss provision to assets | 0.3762% | 190 |
| Net operating income to assets | 0.8458% | 3,380 |
| Return on assets (ROA) | 0.8458% | 3,454 |
| Pretax return on assets | 0.8157% | 3,833 |
| Return on Equity (ROE) | 6.0439% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.0439% | 2,784 |
| Net charge-offs to loans | -0.0921% | 4,602 |
| Credit loss provision to net charge-offs | -781.2500% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9511% | 3,548 |
| Assets per employee ($millions) | 7.4904% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9834% | 626 |
| Loan loss allowance to noncurrent loans | 833.7662% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 1,744 |
| Noncurrent loans to loans | 0.2379% | 3,094 |
| Net loans and leases to total assets | 47.0614% | 3,820 |
| Net loans and leases to deposits | 65.6228% | 2,858 |
| Net loans and leases to core deposits | 69.4999% | 2,826 |
| Total domestic deposits to total assets | 71.7151% | 4,716 |
| Equity capital to assets | 13.7835% | 759 |
| Core capital (leverage) ratio | 14.1178% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,447,333 | 4,463 |
| Average earning assets | $63,832,667 | 4,421 |
| Average equity | $9,298,667 | 4,290 |
| Average total loans | $34,730,333 | 4,379 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3574% | 3,321 |
| Cost of funding earning assets | 0.5574% | 1,059 |
| Net interest margin | 2.7999% | 3,763 |
| Noninterest income to average assets | 0.1819% | 4,284 |
| Noninterest expense to average assets | 1.5584% | 4,591 |
| Loan and lease loss provision to assets | 0.7580% | 68 |
| Net operating income to assets | 0.6670% | 3,787 |
| Return on assets (ROA) | 0.6670% | 3,858 |
| Pretax return on assets | 0.5458% | 4,282 |
| Return on Equity (ROE) | 4.7302% | 4,145 |
| Retained earnings to average equity (ytd only) | 4.7302% | 3,307 |
| Net charge-offs to loans | 0.1225% | 588 |
| Credit loss provision to net charge-offs | 1,136.3636% | 385 |
| Earnings coverage of net charge-offs (x) | 19.5455% | 1,260 |
| Efficiency ratio | 54.4492% | 3,738 |
| Assets per employee ($millions) | 9.5041% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 1,544 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 51.3566% | 3,506 |
| Net loans and leases to deposits | 71.6364% | 2,346 |
| Net loans and leases to core deposits | 76.3543% | 2,318 |
| Total domestic deposits to total assets | 71.6905% | 4,724 |
| Equity capital to assets | 13.6316% | 762 |
| Core capital (leverage) ratio | 14.2391% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,964,000 | 4,481 |
| Average earning assets | $63,145,000 | 4,445 |
| Average equity | $9,302,000 | 4,295 |
| Average total loans | $35,911,500 | 4,382 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0733% | 2,499 |
| Cost of funding earning assets | 0.7937% | 1,237 |
| Net interest margin | 3.2796% | 3,126 |
| Noninterest income to average assets | 0.0693% | 4,827 |
| Noninterest expense to average assets | 1.8310% | 4,423 |
| Loan and lease loss provision to assets | 0.5867% | 349 |
| Net operating income to assets | 0.7575% | 3,243 |
| Return on assets (ROA) | 0.7559% | 3,376 |
| Pretax return on assets | 0.7801% | 3,677 |
| Return on Equity (ROE) | 4.9156% | 3,927 |
| Retained earnings to average equity (ytd only) | 1.2472% | 4,126 |
| Net charge-offs to loans | 1.9105% | 47 |
| Credit loss provision to net charge-offs | 46.8468% | 3,159 |
| Earnings coverage of net charge-offs (x) | 1.0927% | 3,282 |
| Efficiency ratio | 57.2292% | 3,829 |
| Assets per employee ($millions) | 8.1749% | 979 |
| Cash dividends to net income (ytd only)* | 74.6269% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 2,185 |
| Loan loss allowance to noncurrent loans | 55.0549% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.8961% | 311 |
| Noncurrent loans to loans | 2.4567% | 416 |
| Net loans and leases to total assets | 55.8724% | 3,315 |
| Net loans and leases to deposits | 79.3055% | 1,946 |
| Net loans and leases to core deposits | 84.7088% | 1,975 |
| Total domestic deposits to total assets | 70.4521% | 4,763 |
| Equity capital to assets | 14.5797% | 660 |
| Core capital (leverage) ratio | 14.3442% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,043,000 | 4,484 |
| Average earning assets | $59,214,200 | 4,450 |
| Average equity | $9,541,000 | 4,242 |
| Average total loans | $40,669,400 | 4,297 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2598% | 2,225 |
| Cost of funding earning assets | 0.8524% | 1,248 |
| Net interest margin | 3.4074% | 2,891 |
| Noninterest income to average assets | 0.0392% | 4,911 |
| Noninterest expense to average assets | 1.9301% | 4,285 |
| Loan and lease loss provision to assets | 0.0654% | 3,522 |
| Net operating income to assets | 1.2831% | 1,391 |
| Return on assets (ROA) | 1.2809% | 1,503 |
| Pretax return on assets | 1.2984% | 2,055 |
| Return on Equity (ROE) | 8.2157% | 2,723 |
| Retained earnings to average equity (ytd only) | 3.3254% | 3,385 |
| Net charge-offs to loans | 0.6799% | 208 |
| Credit loss provision to net charge-offs | 14.1509% | 2,990 |
| Earnings coverage of net charge-offs (x) | 2.9575% | 2,946 |
| Efficiency ratio | 58.5592% | 3,592 |
| Assets per employee ($millions) | 7.6590% | 1,137 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 714 |
| Loan loss allowance to noncurrent loans | 331.2217% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9025% | 1,275 |
| Noncurrent loans to loans | 0.5447% | 2,438 |
| Net loans and leases to total assets | 65.0215% | 2,637 |
| Net loans and leases to deposits | 95.6726% | 780 |
| Net loans and leases to core deposits | 102.2587% | 1,015 |
| Total domestic deposits to total assets | 67.9625% | 4,812 |
| Equity capital to assets | 15.8931% | 482 |
| Core capital (leverage) ratio | 15.3524% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,204,000 | 4,515 |
| Average earning assets | $58,498,250 | 4,473 |
| Average equity | $9,542,500 | 4,260 |
| Average total loans | $41,576,500 | 4,309 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 2,479 |
| Cost of funding earning assets | 0.9127% | 1,316 |
| Net interest margin | 3.3852% | 3,148 |
| Noninterest income to average assets | 0.0850% | 4,820 |
| Noninterest expense to average assets | 1.9581% | 4,312 |
| Loan and lease loss provision to assets | 0.0981% | 3,053 |
| Net operating income to assets | 1.2912% | 1,381 |
| Return on assets (ROA) | 1.2880% | 1,505 |
| Pretax return on assets | 1.2749% | 2,111 |
| Return on Equity (ROE) | 8.3146% | 2,626 |
| Retained earnings to average equity (ytd only) | 4.0940% | 2,860 |
| Net charge-offs to loans | 0.7921% | 199 |
| Credit loss provision to net charge-offs | 18.0723% | 2,734 |
| Earnings coverage of net charge-offs (x) | 2.5361% | 2,765 |
| Efficiency ratio | 58.7255% | 3,592 |
| Assets per employee ($millions) | 7.8145% | 1,037 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8685% | 564 |
| Loan loss allowance to noncurrent loans | 184.7981% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 1.6508% | 524 |
| Noncurrent loans to loans | 1.0111% | 1,532 |
| Net loans and leases to total assets | 65.3593% | 2,714 |
| Net loans and leases to deposits | 95.0520% | 870 |
| Net loans and leases to core deposits | 101.3393% | 1,165 |
| Total domestic deposits to total assets | 68.7616% | 4,825 |
| Equity capital to assets | 15.4920% | 540 |
| Core capital (leverage) ratio | 15.4571% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,181,333 | 4,527 |
| Average earning assets | $58,726,000 | 4,481 |
| Average equity | $9,477,333 | 4,284 |
| Average total loans | $41,911,333 | 4,314 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 2,425 |
| Cost of funding earning assets | 0.9496% | 1,646 |
| Net interest margin | 3.5095% | 2,945 |
| Noninterest income to average assets | 0.1653% | 4,545 |
| Noninterest expense to average assets | 2.1086% | 4,206 |
| Loan and lease loss provision to assets | 0.1983% | 1,528 |
| Net operating income to assets | 1.3286% | 1,162 |
| Return on assets (ROA) | 1.3286% | 1,257 |
| Pretax return on assets | 1.2295% | 2,101 |
| Return on Equity (ROE) | 8.5774% | 2,286 |
| Retained earnings to average equity (ytd only) | 4.3100% | 2,571 |
| Net charge-offs to loans | 0.7325% | 209 |
| Credit loss provision to net charge-offs | 38.9610% | 2,103 |
| Earnings coverage of net charge-offs (x) | 2.8052% | 2,253 |
| Efficiency ratio | 59.6262% | 3,793 |
| Assets per employee ($millions) | 6.6818% | 1,245 |
| Cash dividends to net income (ytd only)* | 49.7512% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0486% | 471 |
| Loan loss allowance to noncurrent loans | 53.4855% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 3.2826% | 161 |
| Noncurrent loans to loans | 3.8302% | 217 |
| Net loans and leases to total assets | 68.9338% | 2,403 |
| Net loans and leases to deposits | 101.3347% | 475 |
| Net loans and leases to core deposits | 108.3850% | 930 |
| Total domestic deposits to total assets | 68.0258% | 4,922 |
| Equity capital to assets | 15.6080% | 653 |
| Core capital (leverage) ratio | 15.2459% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,514,000 | 4,549 |
| Average earning assets | $58,127,500 | 4,512 |
| Average equity | $9,373,500 | 4,317 |
| Average total loans | $42,048,000 | 4,330 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6332% | 2,510 |
| Cost of funding earning assets | 1.0454% | 1,530 |
| Net interest margin | 3.5878% | 3,173 |
| Noninterest income to average assets | 0.0346% | 5,065 |
| Noninterest expense to average assets | 1.9893% | 4,549 |
| Loan and lease loss provision to assets | 0.7404% | 146 |
| Net operating income to assets | 0.6845% | 3,911 |
| Return on assets (ROA) | 0.6845% | 3,981 |
| Pretax return on assets | 0.7437% | 4,102 |
| Return on Equity (ROE) | 4.4165% | 4,366 |
| Retained earnings to average equity (ytd only) | -0.6264% | 4,775 |
| Net charge-offs to loans | 0.3822% | 512 |
| Credit loss provision to net charge-offs | 274.3902% | 1,024 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 3,078 |
| Efficiency ratio | 57.2714% | 4,054 |
| Assets per employee ($millions) | 6.7658% | 1,146 |
| Cash dividends to net income (ytd only)* | 114.1827% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1879% | 337 |
| Loan loss allowance to noncurrent loans | 272.8358% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 1.0855% | 1,137 |
| Noncurrent loans to loans | 0.8019% | 1,908 |
| Net loans and leases to total assets | 67.1041% | 2,813 |
| Net loans and leases to deposits | 97.9622% | 765 |
| Net loans and leases to core deposits | 103.2939% | 1,289 |
| Total domestic deposits to total assets | 68.5000% | 4,981 |
| Equity capital to assets | 15.3731% | 712 |
| Core capital (leverage) ratio | 15.1909% | 649 |
| Tier 1 risk-based capital ratio | 23.5242% | 861 |
| Total risk-based capital ratio | 24.7879% | 849 |
| Memoranda: | ||
| Average total assets | $60,774,800 | 4,585 |
| Average earning assets | $58,253,600 | 4,553 |
| Average equity | $9,419,200 | 4,317 |
| Average total loans | $42,912,000 | 4,339 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6799% | 2,480 |
| Cost of funding earning assets | 1.0295% | 1,628 |
| Net interest margin | 3.6504% | 3,090 |
| Noninterest income to average assets | 0.0044% | 5,202 |
| Noninterest expense to average assets | 2.0588% | 4,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3872% | 1,505 |
| Return on assets (ROA) | 1.3872% | 1,576 |
| Pretax return on assets | 1.4399% | 2,155 |
| Return on Equity (ROE) | 8.9323% | 2,919 |
| Retained earnings to average equity (ytd only) | 2.2189% | 4,197 |
| Net charge-offs to loans | 0.3611% | 470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 5.6067% | 2,908 |
| Efficiency ratio | 58.8457% | 3,816 |
| Assets per employee ($millions) | 6.7056% | 1,157 |
| Cash dividends to net income (ytd only)* | 75.1581% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,534 |
| Loan loss allowance to noncurrent loans | 208.5714% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 1,597 |
| Noncurrent loans to loans | 0.5734% | 2,580 |
| Net loans and leases to total assets | 69.9536% | 2,482 |
| Net loans and leases to deposits | 103.3844% | 435 |
| Net loans and leases to core deposits | 110.1093% | 945 |
| Total domestic deposits to total assets | 67.6636% | 5,067 |
| Equity capital to assets | 15.9072% | 652 |
| Core capital (leverage) ratio | 15.6587% | 614 |
| Tier 1 risk-based capital ratio | 23.2143% | 924 |
| Total risk-based capital ratio | 24.4650% | 904 |
| Memoranda: | ||
| Average total assets | $60,745,500 | 4,645 |
| Average earning assets | $58,148,000 | 4,610 |
| Average equity | $9,433,750 | 4,364 |
| Average total loans | $43,196,250 | 4,384 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 2,467 |
| Cost of funding earning assets | 1.0027% | 1,686 |
| Net interest margin | 3.6604% | 3,070 |
| Noninterest income to average assets | 0.0066% | 5,245 |
| Noninterest expense to average assets | 2.0665% | 4,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3995% | 1,442 |
| Return on assets (ROA) | 1.3995% | 1,495 |
| Pretax return on assets | 1.4422% | 2,057 |
| Return on Equity (ROE) | 9.0848% | 2,814 |
| Retained earnings to average equity (ytd only) | 1.6208% | 4,238 |
| Net charge-offs to loans | 0.3645% | 456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 5.5570% | 2,641 |
| Efficiency ratio | 58.8951% | 3,880 |
| Assets per employee ($millions) | 6.7167% | 1,127 |
| Cash dividends to net income (ytd only)* | 82.1596% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,173 |
| Loan loss allowance to noncurrent loans | 132.2892% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 1.3118% | 958 |
| Noncurrent loans to loans | 0.9552% | 1,711 |
| Net loans and leases to total assets | 70.9644% | 2,392 |
| Net loans and leases to deposits | 104.4128% | 405 |
| Net loans and leases to core deposits | 111.1290% | 908 |
| Total domestic deposits to total assets | 67.9653% | 5,105 |
| Equity capital to assets | 15.7155% | 669 |
| Core capital (leverage) ratio | 15.4834% | 620 |
| Tier 1 risk-based capital ratio | 22.5098% | 994 |
| Total risk-based capital ratio | 23.7594% | 976 |
| Memoranda: | ||
| Average total assets | $60,877,330 | 4,678 |
| Average earning assets | $58,244,330 | 4,637 |
| Average equity | $9,378,330 | 4,386 |
| Average total loans | $43,352,330 | 4,408 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6215% | 2,463 |
| Cost of funding earning assets | 1.0133% | 1,517 |
| Net interest margin | 3.6082% | 3,224 |
| Noninterest income to average assets | -0.2488% | 5,344 |
| Noninterest expense to average assets | 1.9905% | 4,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2179% | 1,996 |
| Return on assets (ROA) | 1.2179% | 2,045 |
| Pretax return on assets | 1.2113% | 2,761 |
| Return on Equity (ROE) | 7.9850% | 3,272 |
| Retained earnings to average equity (ytd only) | -1.6743% | 4,717 |
| Net charge-offs to loans | 0.2863% | 515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.9677% | 2,227 |
| Efficiency ratio | 62.1677% | 3,510 |
| Assets per employee ($millions) | 6.8037% | 1,087 |
| Cash dividends to net income (ytd only)* | 120.9677% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 1,828 |
| Loan loss allowance to noncurrent loans | 141.1348% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 836 |
| Noncurrent loans to loans | 0.9637% | 1,726 |
| Net loans and leases to total assets | 70.7102% | 2,378 |
| Net loans and leases to deposits | 102.9410% | 451 |
| Net loans and leases to core deposits | 109.3688% | 967 |
| Total domestic deposits to total assets | 68.6901% | 5,152 |
| Equity capital to assets | 15.2434% | 701 |
| Core capital (leverage) ratio | 15.3117% | 634 |
| Tier 1 risk-based capital ratio | 21.8597% | 1,067 |
| Total risk-based capital ratio | 23.1095% | 1,043 |
| Memoranda: | ||
| Average total assets | $61,091,000 | 4,726 |
| Average earning assets | $58,423,000 | 4,686 |
| Average equity | $9,317,500 | 4,421 |
| Average total loans | $43,305,000 | 4,451 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5416% | 2,327 |
| Cost of funding earning assets | 0.8694% | 1,224 |
| Net interest margin | 3.6722% | 3,152 |
| Noninterest income to average assets | 0.2374% | 4,499 |
| Noninterest expense to average assets | 1.9208% | 4,867 |
| Loan and lease loss provision to assets | 0.2968% | 543 |
| Net operating income to assets | 1.4558% | 1,256 |
| Return on assets (ROA) | 1.4558% | 1,244 |
| Pretax return on assets | 1.5366% | 1,665 |
| Return on Equity (ROE) | 9.7889% | 2,608 |
| Retained earnings to average equity (ytd only) | 7.2946% | 1,541 |
| Net charge-offs to loans | 1.2917% | 93 |
| Credit loss provision to net charge-offs | 31.4136% | 3,344 |
| Earnings coverage of net charge-offs (x) | 1.9407% | 3,574 |
| Efficiency ratio | 51.1638% | 4,865 |
| Assets per employee ($millions) | 6.7721% | 1,082 |
| Cash dividends to net income (ytd only)* | 25.4813% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 1,380 |
| Loan loss allowance to noncurrent loans | 279.1111% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 1.9049% | 520 |
| Noncurrent loans to loans | 0.5267% | 2,693 |
| Net loans and leases to total assets | 69.0528% | 2,722 |
| Net loans and leases to deposits | 100.5615% | 703 |
| Net loans and leases to core deposits | 106.8632% | 1,203 |
| Total domestic deposits to total assets | 68.6672% | 5,196 |
| Equity capital to assets | 15.2603% | 656 |
| Core capital (leverage) ratio | 15.2806% | 630 |
| Tier 1 risk-based capital ratio | 22.3399% | 986 |
| Total risk-based capital ratio | 23.5937% | 958 |
| Memoranda: | ||
| Average total assets | $60,653,200 | 4,750 |
| Average earning assets | $58,084,800 | 4,704 |
| Average equity | $9,020,400 | 4,456 |
| Average total loans | $44,358,600 | 4,445 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 2,182 |
| Cost of funding earning assets | 0.7963% | 1,360 |
| Net interest margin | 3.7358% | 2,874 |
| Noninterest income to average assets | 0.1849% | 4,861 |
| Noninterest expense to average assets | 1.8928% | 4,914 |
| Loan and lease loss provision to assets | 0.2311% | 701 |
| Net operating income to assets | 1.5583% | 1,051 |
| Return on assets (ROA) | 1.5583% | 1,052 |
| Pretax return on assets | 1.6441% | 1,434 |
| Return on Equity (ROE) | 10.5470% | 2,376 |
| Retained earnings to average equity (ytd only) | 7.1951% | 2,031 |
| Net charge-offs to loans | 1.8137% | 58 |
| Credit loss provision to net charge-offs | 17.2414% | 3,031 |
| Earnings coverage of net charge-offs (x) | 1.3990% | 3,351 |
| Efficiency ratio | 50.2336% | 4,933 |
| Assets per employee ($millions) | 6.5668% | 1,154 |
| Cash dividends to net income (ytd only)* | 31.7793% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 2,690 |
| Loan loss allowance to noncurrent loans | 115.6600% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 2.4247% | 369 |
| Noncurrent loans to loans | 1.0268% | 1,672 |
| Net loans and leases to total assets | 72.7856% | 2,205 |
| Net loans and leases to deposits | 107.2422% | 384 |
| Net loans and leases to core deposits | 115.0279% | 762 |
| Total domestic deposits to total assets | 67.8703% | 5,284 |
| Equity capital to assets | 15.4041% | 638 |
| Core capital (leverage) ratio | 15.2636% | 641 |
| Tier 1 risk-based capital ratio | 21.7528% | 1,082 |
| Total risk-based capital ratio | 22.9881% | 1,066 |
| Memoranda: | ||
| Average total assets | $60,579,250 | 4,801 |
| Average earning assets | $58,102,250 | 4,758 |
| Average equity | $8,950,250 | 4,505 |
| Average total loans | $44,769,500 | 4,488 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 2,203 |
| Cost of funding earning assets | 0.7859% | 1,195 |
| Net interest margin | 3.6779% | 3,016 |
| Noninterest income to average assets | 0.2161% | 4,729 |
| Noninterest expense to average assets | 1.8208% | 5,072 |
| Loan and lease loss provision to assets | 0.0982% | 1,971 |
| Net operating income to assets | 1.7422% | 667 |
| Return on assets (ROA) | 1.7422% | 667 |
| Pretax return on assets | 1.8372% | 893 |
| Return on Equity (ROE) | 11.9564% | 1,742 |
| Retained earnings to average equity (ytd only) | 8.5852% | 1,362 |
| Net charge-offs to loans | 1.9477% | 53 |
| Credit loss provision to net charge-offs | 6.8182% | 2,742 |
| Earnings coverage of net charge-offs (x) | 1.3432% | 3,074 |
| Efficiency ratio | 48.4743% | 5,093 |
| Assets per employee ($millions) | 6.6784% | 1,085 |
| Cash dividends to net income (ytd only)* | 28.1955% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 1,855 |
| Loan loss allowance to noncurrent loans | 122.4449% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.2711% | 1,115 |
| Noncurrent loans to loans | 1.1188% | 1,571 |
| Net loans and leases to total assets | 73.1907% | 2,091 |
| Net loans and leases to deposits | 106.7404% | 407 |
| Net loans and leases to core deposits | 115.2287% | 735 |
| Total domestic deposits to total assets | 68.5689% | 5,323 |
| Equity capital to assets | 15.0567% | 674 |
| Core capital (leverage) ratio | 15.0388% | 661 |
| Tier 1 risk-based capital ratio | 21.0204% | 1,173 |
| Total risk-based capital ratio | 22.2725% | 1,142 |
| Memoranda: | ||
| Average total assets | $61,072,000 | 4,853 |
| Average earning assets | $58,783,000 | 4,797 |
| Average equity | $8,899,000 | 4,552 |
| Average total loans | $45,181,330 | 4,517 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 2,142 |
| Cost of funding earning assets | 0.7764% | 1,070 |
| Net interest margin | 3.6392% | 3,032 |
| Noninterest income to average assets | 0.2274% | 4,652 |
| Noninterest expense to average assets | 1.7350% | 5,213 |
| Loan and lease loss provision to assets | 0.1949% | 856 |
| Net operating income to assets | 1.7090% | 676 |
| Return on assets (ROA) | 1.7090% | 686 |
| Pretax return on assets | 1.8000% | 911 |
| Return on Equity (ROE) | 11.9227% | 1,603 |
| Retained earnings to average equity (ytd only) | 8.5227% | 1,654 |
| Net charge-offs to loans | 3.1669% | 33 |
| Credit loss provision to net charge-offs | 8.3333% | 2,174 |
| Earnings coverage of net charge-offs (x) | 0.8528% | 2,608 |
| Efficiency ratio | 46.5157% | 5,249 |
| Assets per employee ($millions) | 6.7947% | 1,049 |
| Cash dividends to net income (ytd only)* | 28.5171% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 1,358 |
| Loan loss allowance to noncurrent loans | 80.4424% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.8446% | 655 |
| Noncurrent loans to loans | 1.8985% | 863 |
| Net loans and leases to total assets | 72.8594% | 2,045 |
| Net loans and leases to deposits | 104.9909% | 428 |
| Net loans and leases to core deposits | 112.3481% | 874 |
| Total domestic deposits to total assets | 69.3959% | 5,381 |
| Equity capital to assets | 14.5245% | 772 |
| Core capital (leverage) ratio | 14.2506% | 818 |
| Tier 1 risk-based capital ratio | 20.0760% | 1,331 |
| Total risk-based capital ratio | 21.3305% | 1,300 |
| Memoranda: | ||
| Average total assets | $61,555,000 | 4,896 |
| Average earning assets | $59,244,500 | 4,844 |
| Average equity | $8,823,500 | 4,607 |
| Average total loans | $45,470,500 | 4,551 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4634% | 1,837 |
| Cost of funding earning assets | 0.6138% | 1,515 |
| Net interest margin | 3.8496% | 2,257 |
| Noninterest income to average assets | 0.2410% | 4,690 |
| Noninterest expense to average assets | 1.8528% | 5,192 |
| Loan and lease loss provision to assets | 0.7392% | 163 |
| Net operating income to assets | 1.2871% | 1,258 |
| Return on assets (ROA) | 1.2871% | 1,280 |
| Pretax return on assets | 1.3579% | 2,132 |
| Return on Equity (ROE) | 9.1347% | 2,250 |
| Retained earnings to average equity (ytd only) | 5.1432% | 2,033 |
| Net charge-offs to loans | 0.2406% | 1,078 |
| Credit loss provision to net charge-offs | 414.4144% | 735 |
| Earnings coverage of net charge-offs (x) | 11.7568% | 2,534 |
| Efficiency ratio | 46.9081% | 5,364 |
| Assets per employee ($millions) | 6.2121% | 1,374 |
| Cash dividends to net income (ytd only)* | 43.6954% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8777% | 677 |
| Loan loss allowance to noncurrent loans | 154.0395% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 1.2669% | 1,151 |
| Noncurrent loans to loans | 1.2190% | 1,452 |
| Net loans and leases to total assets | 72.1769% | 2,203 |
| Net loans and leases to deposits | 103.2730% | 535 |
| Net loans and leases to core deposits | 110.3137% | 982 |
| Total domestic deposits to total assets | 69.8894% | 5,409 |
| Equity capital to assets | 14.3720% | 813 |
| Core capital (leverage) ratio | 14.0531% | 822 |
| Tier 1 risk-based capital ratio | 19.9451% | 1,335 |
| Total risk-based capital ratio | 21.2036% | 1,297 |
| Memoranda: | ||
| Average total assets | $62,230,600 | 4,919 |
| Average earning assets | $59,954,200 | 4,858 |
| Average equity | $8,768,800 | 4,652 |
| Average total loans | $46,131,200 | 4,565 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 1,956 |
| Cost of funding earning assets | 0.6071% | 1,484 |
| Net interest margin | 3.7959% | 2,417 |
| Noninterest income to average assets | 0.2613% | 4,638 |
| Noninterest expense to average assets | 1.8203% | 5,251 |
| Loan and lease loss provision to assets | 0.8245% | 127 |
| Net operating income to assets | 1.2057% | 1,666 |
| Return on assets (ROA) | 1.2057% | 1,702 |
| Pretax return on assets | 1.2721% | 2,618 |
| Return on Equity (ROE) | 8.5995% | 2,812 |
| Retained earnings to average equity (ytd only) | 4.3990% | 3,279 |
| Net charge-offs to loans | 0.3575% | 591 |
| Credit loss provision to net charge-offs | 310.4839% | 958 |
| Earnings coverage of net charge-offs (x) | 7.8951% | 2,828 |
| Efficiency ratio | 46.4735% | 5,405 |
| Assets per employee ($millions) | 6.1326% | 1,412 |
| Cash dividends to net income (ytd only)* | 48.8457% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7024% | 1,030 |
| Loan loss allowance to noncurrent loans | 42.0765% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 3.4227% | 234 |
| Noncurrent loans to loans | 4.0461% | 238 |
| Net loans and leases to total assets | 72.4962% | 2,182 |
| Net loans and leases to deposits | 104.3296% | 485 |
| Net loans and leases to core deposits | 114.4229% | 815 |
| Total domestic deposits to total assets | 69.4877% | 5,491 |
| Equity capital to assets | 14.4082% | 880 |
| Core capital (leverage) ratio | 14.1166% | 863 |
| Tier 1 risk-based capital ratio | 19.5171% | 1,476 |
| Total risk-based capital ratio | 20.7741% | 1,438 |
| Memoranda: | ||
| Average total assets | $62,258,000 | 4,974 |
| Average earning assets | $59,958,250 | 4,913 |
| Average equity | $8,729,000 | 4,708 |
| Average total loans | $46,240,250 | 4,601 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 1,927 |
| Cost of funding earning assets | 0.6037% | 1,419 |
| Net interest margin | 3.7617% | 2,430 |
| Noninterest income to average assets | 0.2557% | 4,703 |
| Noninterest expense to average assets | 1.8763% | 5,219 |
| Loan and lease loss provision to assets | 0.6713% | 167 |
| Net operating income to assets | 1.2626% | 1,396 |
| Return on assets (ROA) | 1.2626% | 1,425 |
| Pretax return on assets | 1.3329% | 2,260 |
| Return on Equity (ROE) | 9.0874% | 2,468 |
| Retained earnings to average equity (ytd only) | 4.4862% | 3,043 |
| Net charge-offs to loans | 0.5625% | 349 |
| Credit loss provision to net charge-offs | 160.3053% | 1,458 |
| Earnings coverage of net charge-offs (x) | 4.7863% | 2,886 |
| Efficiency ratio | 48.3526% | 5,381 |
| Assets per employee ($millions) | 6.1008% | 1,386 |
| Cash dividends to net income (ytd only)* | 50.6329% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,579 |
| Loan loss allowance to noncurrent loans | 31.5789% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 3.4323% | 238 |
| Noncurrent loans to loans | 4.0161% | 239 |
| Net loans and leases to total assets | 75.0311% | 1,695 |
| Net loans and leases to deposits | 107.9854% | 318 |
| Net loans and leases to core deposits | 118.4684% | 617 |
| Total domestic deposits to total assets | 69.4827% | 5,554 |
| Equity capital to assets | 14.3883% | 857 |
| Core capital (leverage) ratio | 13.8403% | 900 |
| Tier 1 risk-based capital ratio | 18.6377% | 1,684 |
| Total risk-based capital ratio | 19.8883% | 1,649 |
| Memoranda: | ||
| Average total assets | $62,568,670 | 5,005 |
| Average earning assets | $60,291,330 | 4,943 |
| Average equity | $8,693,330 | 4,739 |
| Average total loans | $46,577,330 | 4,617 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 1,875 |
| Cost of funding earning assets | 0.4390% | 2,621 |
| Net interest margin | 3.8925% | 1,810 |
| Noninterest income to average assets | 0.2905% | 4,477 |
| Noninterest expense to average assets | 1.8753% | 5,265 |
| Loan and lease loss provision to assets | 0.2841% | 500 |
| Net operating income to assets | 1.7806% | 463 |
| Return on assets (ROA) | 1.7806% | 476 |
| Pretax return on assets | 1.8816% | 670 |
| Return on Equity (ROE) | 13.0390% | 991 |
| Retained earnings to average equity (ytd only) | 7.2593% | 1,765 |
| Net charge-offs to loans | 0.1285% | 1,152 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 22.8667% | 1,406 |
| Efficiency ratio | 46.4063% | 5,515 |
| Assets per employee ($millions) | 6.3725% | 1,248 |
| Cash dividends to net income (ytd only)* | 44.3262% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 3,409 |
| Loan loss allowance to noncurrent loans | 29.6970% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 3.3205% | 270 |
| Noncurrent loans to loans | 3.8745% | 275 |
| Net loans and leases to total assets | 72.6654% | 1,977 |
| Net loans and leases to deposits | 102.5331% | 473 |
| Net loans and leases to core deposits | 114.5536% | 650 |
| Total domestic deposits to total assets | 70.8701% | 5,600 |
| Equity capital to assets | 13.7058% | 1,004 |
| Core capital (leverage) ratio | 13.5905% | 947 |
| Tier 1 risk-based capital ratio | 17.8871% | 1,911 |
| Total risk-based capital ratio | 19.0212% | 1,901 |
| Memoranda: | ||
| Average total assets | $63,349,000 | 5,043 |
| Average earning assets | $61,041,000 | 4,971 |
| Average equity | $8,651,000 | 4,781 |
| Average total loans | $46,684,500 | 4,659 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 1,354 |
| Cost of funding earning assets | 0.5417% | 1,776 |
| Net interest margin | 4.0306% | 1,555 |
| Noninterest income to average assets | 0.2870% | 4,689 |
| Noninterest expense to average assets | 1.9870% | 5,214 |
| Loan and lease loss provision to assets | 0.3087% | 609 |
| Net operating income to assets | 1.7785% | 461 |
| Return on assets (ROA) | 1.7785% | 481 |
| Pretax return on assets | 1.8769% | 653 |
| Return on Equity (ROE) | 12.4991% | 1,114 |
| Retained earnings to average equity (ytd only) | 5.1708% | 2,220 |
| Net charge-offs to loans | 0.4515% | 564 |
| Credit loss provision to net charge-offs | 90.6863% | 2,785 |
| Earnings coverage of net charge-offs (x) | 6.4216% | 3,175 |
| Efficiency ratio | 47.6210% | 5,587 |
| Assets per employee ($millions) | 6.2973% | 1,263 |
| Cash dividends to net income (ytd only)* | 58.6304% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,744 |
| Loan loss allowance to noncurrent loans | 31.6346% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 2.9425% | 352 |
| Noncurrent loans to loans | 3.4584% | 351 |
| Net loans and leases to total assets | 73.0710% | 2,004 |
| Net loans and leases to deposits | 103.1172% | 460 |
| Net loans and leases to core deposits | 115.3461% | 644 |
| Total domestic deposits to total assets | 70.8621% | 5,619 |
| Equity capital to assets | 13.6058% | 1,007 |
| Core capital (leverage) ratio | 13.1749% | 1,070 |
| Tier 1 risk-based capital ratio | 17.8740% | 1,885 |
| Total risk-based capital ratio | 18.9642% | 1,902 |
| Memoranda: | ||
| Average total assets | $59,938,200 | 5,145 |
| Average earning assets | $57,782,800 | 5,079 |
| Average equity | $8,528,600 | 4,835 |
| Average total loans | $45,179,600 | 4,710 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6522% | 1,180 |
| Cost of funding earning assets | 0.5213% | 1,930 |
| Net interest margin | 4.1309% | 1,309 |
| Noninterest income to average assets | 0.2771% | 4,784 |
| Noninterest expense to average assets | 1.9736% | 5,258 |
| Loan and lease loss provision to assets | 0.3042% | 551 |
| Net operating income to assets | 1.8767% | 423 |
| Return on assets (ROA) | 1.8767% | 442 |
| Pretax return on assets | 1.9804% | 597 |
| Return on Equity (ROE) | 13.0376% | 1,045 |
| Retained earnings to average equity (ytd only) | 5.6032% | 2,434 |
| Net charge-offs to loans | 0.2676% | 864 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 11.2664% | 2,503 |
| Efficiency ratio | 46.3492% | 5,656 |
| Assets per employee ($millions) | 5.9604% | 1,459 |
| Cash dividends to net income (ytd only)* | 57.0230% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,968 |
| Loan loss allowance to noncurrent loans | 53.6585% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.7885% | 925 |
| Noncurrent loans to loans | 2.3261% | 791 |
| Net loans and leases to total assets | 75.9261% | 1,531 |
| Net loans and leases to deposits | 110.1363% | 254 |
| Net loans and leases to core deposits | 124.4226% | 407 |
| Total domestic deposits to total assets | 68.9383% | 5,739 |
| Equity capital to assets | 14.5007% | 871 |
| Core capital (leverage) ratio | 13.8538% | 892 |
| Tier 1 risk-based capital ratio | 17.9079% | 1,951 |
| Total risk-based capital ratio | 19.1477% | 1,917 |
| Memoranda: | ||
| Average total assets | $59,179,500 | 5,203 |
| Average earning assets | $57,032,500 | 5,148 |
| Average equity | $8,518,750 | 4,883 |
| Average total loans | $44,843,500 | 4,763 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6329% | 1,197 |
| Cost of funding earning assets | 0.5237% | 1,916 |
| Net interest margin | 4.1091% | 1,345 |
| Noninterest income to average assets | 0.3049% | 4,610 |
| Noninterest expense to average assets | 1.9818% | 5,308 |
| Loan and lease loss provision to assets | 0.3049% | 579 |
| Net operating income to assets | 1.8700% | 418 |
| Return on assets (ROA) | 1.8700% | 440 |
| Pretax return on assets | 1.9784% | 593 |
| Return on Equity (ROE) | 13.0230% | 1,025 |
| Retained earnings to average equity (ytd only) | 5.3555% | 2,513 |
| Net charge-offs to loans | 0.3774% | 614 |
| Credit loss provision to net charge-offs | 107.1429% | 1,999 |
| Earnings coverage of net charge-offs (x) | 8.0238% | 2,560 |
| Efficiency ratio | 46.4654% | 5,736 |
| Assets per employee ($millions) | 6.0078% | 1,394 |
| Cash dividends to net income (ytd only)* | 58.8768% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 3,394 |
| Loan loss allowance to noncurrent loans | 44.7236% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.9874% | 830 |
| Noncurrent loans to loans | 2.6731% | 617 |
| Net loans and leases to total assets | 73.4612% | 1,937 |
| Net loans and leases to deposits | 105.9945% | 366 |
| Net loans and leases to core deposits | 117.9297% | 574 |
| Total domestic deposits to total assets | 69.3066% | 5,804 |
| Equity capital to assets | 14.3064% | 930 |
| Core capital (leverage) ratio | 14.0311% | 815 |
| Tier 1 risk-based capital ratio | 18.0360% | 1,921 |
| Total risk-based capital ratio | 19.2205% | 1,903 |
| Memoranda: | ||
| Average total assets | $59,038,000 | 5,262 |
| Average earning assets | $56,898,000 | 5,203 |
| Average equity | $8,477,330 | 4,925 |
| Average total loans | $44,515,670 | 4,811 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 944 |
| Cost of funding earning assets | 0.4681% | 2,388 |
| Net interest margin | 4.2834% | 954 |
| Noninterest income to average assets | 0.3076% | 4,525 |
| Noninterest expense to average assets | 1.8182% | 5,631 |
| Loan and lease loss provision to assets | 0.3076% | 508 |
| Net operating income to assets | 2.1874% | 233 |
| Return on assets (ROA) | 2.1874% | 245 |
| Pretax return on assets | 2.3104% | 314 |
| Return on Equity (ROE) | 15.2046% | 636 |
| Retained earnings to average equity (ytd only) | 6.8896% | 1,937 |
| Net charge-offs to loans | -0.0360% | 5,154 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9861% | 5,942 |
| Assets per employee ($millions) | 5.8010% | 1,580 |
| Cash dividends to net income (ytd only)* | 54.6875% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 2,948 |
| Loan loss allowance to noncurrent loans | 115.4309% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 2,541 |
| Noncurrent loans to loans | 1.1197% | 2,156 |
| Net loans and leases to total assets | 75.8283% | 1,416 |
| Net loans and leases to deposits | 113.1815% | 162 |
| Net loans and leases to core deposits | 119.9760% | 468 |
| Total domestic deposits to total assets | 66.9971% | 5,950 |
| Equity capital to assets | 14.6458% | 791 |
| Core capital (leverage) ratio | 13.7880% | 869 |
| Tier 1 risk-based capital ratio | 17.8363% | 2,030 |
| Total risk-based capital ratio | 19.0861% | 1,993 |
| Memoranda: | ||
| Average total assets | $58,518,000 | 5,328 |
| Average earning assets | $56,404,000 | 5,255 |
| Average equity | $8,418,500 | 4,971 |
| Average total loans | $44,439,500 | 4,855 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6816% | 1,144 |
| Cost of funding earning assets | 0.4925% | 2,229 |
| Net interest margin | 4.1891% | 1,189 |
| Noninterest income to average assets | 0.3048% | 4,705 |
| Noninterest expense to average assets | 2.0273% | 5,399 |
| Loan and lease loss provision to assets | 0.3351% | 469 |
| Net operating income to assets | 1.8623% | 436 |
| Return on assets (ROA) | 1.8623% | 446 |
| Pretax return on assets | 1.9667% | 574 |
| Return on Equity (ROE) | 13.4484% | 958 |
| Retained earnings to average equity (ytd only) | 4.1099% | 3,080 |
| Net charge-offs to loans | 0.3099% | 973 |
| Credit loss provision to net charge-offs | 145.2555% | 1,824 |
| Earnings coverage of net charge-offs (x) | 9.9781% | 2,750 |
| Efficiency ratio | 46.8300% | 5,883 |
| Assets per employee ($millions) | 5.9026% | 1,458 |
| Cash dividends to net income (ytd only)* | 69.4394% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 3,534 |
| Loan loss allowance to noncurrent loans | 169.2308% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5286% | 3,523 |
| Noncurrent loans to loans | 0.7041% | 3,081 |
| Net loans and leases to total assets | 74.1826% | 1,696 |
| Net loans and leases to deposits | 107.1242% | 324 |
| Net loans and leases to core deposits | 112.3406% | 751 |
| Total domestic deposits to total assets | 69.2491% | 5,925 |
| Equity capital to assets | 14.1311% | 888 |
| Core capital (leverage) ratio | 13.3042% | 1,040 |
| Tier 1 risk-based capital ratio | 17.5485% | 2,110 |
| Total risk-based capital ratio | 18.7207% | 2,084 |
| Memoranda: | ||
| Average total assets | $59,389,400 | 5,332 |
| Average earning assets | $57,052,600 | 5,263 |
| Average equity | $8,224,000 | 5,017 |
| Average total loans | $44,207,800 | 4,854 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7045% | 1,092 |
| Cost of funding earning assets | 0.5022% | 2,189 |
| Net interest margin | 4.2023% | 1,159 |
| Noninterest income to average assets | 0.3026% | 4,772 |
| Noninterest expense to average assets | 2.0219% | 5,439 |
| Loan and lease loss provision to assets | 0.3026% | 483 |
| Net operating income to assets | 1.9054% | 423 |
| Return on assets (ROA) | 1.9054% | 442 |
| Pretax return on assets | 2.0107% | 590 |
| Return on Equity (ROE) | 13.8297% | 940 |
| Retained earnings to average equity (ytd only) | 4.4580% | 3,289 |
| Net charge-offs to loans | 0.1418% | 1,705 |
| Credit loss provision to net charge-offs | 287.2340% | 1,004 |
| Earnings coverage of net charge-offs (x) | 21.9558% | 1,804 |
| Efficiency ratio | 46.6391% | 5,939 |
| Assets per employee ($millions) | 5.7764% | 1,529 |
| Cash dividends to net income (ytd only)* | 67.7643% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 3,281 |
| Loan loss allowance to noncurrent loans | 119.6544% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 2,881 |
| Noncurrent loans to loans | 1.0572% | 2,367 |
| Net loans and leases to total assets | 74.8563% | 1,574 |
| Net loans and leases to deposits | 110.7497% | 237 |
| Net loans and leases to core deposits | 116.3679% | 574 |
| Total domestic deposits to total assets | 67.5905% | 6,052 |
| Equity capital to assets | 14.3532% | 898 |
| Core capital (leverage) ratio | 13.4958% | 1,020 |
| Tier 1 risk-based capital ratio | 17.6318% | 2,145 |
| Total risk-based capital ratio | 18.8778% | 2,106 |
| Memoranda: | ||
| Average total assets | $59,480,250 | 5,402 |
| Average earning assets | $57,078,750 | 5,334 |
| Average equity | $8,194,750 | 5,089 |
| Average total loans | $44,181,000 | 4,909 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6802% | 1,117 |
| Cost of funding earning assets | 0.4965% | 2,281 |
| Net interest margin | 4.1837% | 1,139 |
| Noninterest income to average assets | 0.2964% | 4,838 |
| Noninterest expense to average assets | 1.9783% | 5,564 |
| Loan and lease loss provision to assets | 0.2997% | 516 |
| Net operating income to assets | 1.9250% | 419 |
| Return on assets (ROA) | 1.9250% | 438 |
| Pretax return on assets | 2.0316% | 564 |
| Return on Equity (ROE) | 14.1620% | 870 |
| Retained earnings to average equity (ytd only) | 4.7533% | 3,023 |
| Net charge-offs to loans | -0.0271% | 5,285 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9042% | 6,046 |
| Assets per employee ($millions) | 5.9249% | 1,415 |
| Cash dividends to net income (ytd only)* | 66.4360% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 3,436 |
| Loan loss allowance to noncurrent loans | 226.2097% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 3,993 |
| Noncurrent loans to loans | 0.5586% | 3,777 |
| Net loans and leases to total assets | 73.9844% | 1,664 |
| Net loans and leases to deposits | 106.4344% | 361 |
| Net loans and leases to core deposits | 111.5338% | 762 |
| Total domestic deposits to total assets | 69.5117% | 6,054 |
| Equity capital to assets | 13.8095% | 1,050 |
| Core capital (leverage) ratio | 12.9258% | 1,198 |
| Tier 1 risk-based capital ratio | 17.1757% | 2,340 |
| Total risk-based capital ratio | 18.4174% | 2,291 |
| Memoranda: | ||
| Average total assets | $60,052,330 | 5,444 |
| Average earning assets | $57,604,330 | 5,382 |
| Average equity | $8,162,670 | 5,133 |
| Average total loans | $44,310,000 | 4,939 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7179% | 1,002 |
| Cost of funding earning assets | 0.5043% | 2,247 |
| Net interest margin | 4.2137% | 1,033 |
| Noninterest income to average assets | 0.2779% | 4,950 |
| Noninterest expense to average assets | 1.8857% | 5,784 |
| Loan and lease loss provision to assets | 0.2977% | 494 |
| Net operating income to assets | 2.0181% | 330 |
| Return on assets (ROA) | 2.0181% | 347 |
| Pretax return on assets | 2.1305% | 453 |
| Return on Equity (ROE) | 14.9638% | 717 |
| Retained earnings to average equity (ytd only) | 5.5440% | 2,752 |
| Net charge-offs to loans | -0.0271% | 5,189 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7117% | 6,191 |
| Assets per employee ($millions) | 6.1516% | 1,291 |
| Cash dividends to net income (ytd only)* | 62.9508% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 4,266 |
| Loan loss allowance to noncurrent loans | 127.5434% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7201% | 3,336 |
| Noncurrent loans to loans | 0.9003% | 2,984 |
| Net loans and leases to total assets | 71.9325% | 1,813 |
| Net loans and leases to deposits | 101.9750% | 457 |
| Net loans and leases to core deposits | 106.5674% | 900 |
| Total domestic deposits to total assets | 70.5394% | 6,105 |
| Equity capital to assets | 13.4030% | 1,218 |
| Core capital (leverage) ratio | 12.6557% | 1,288 |
| Tier 1 risk-based capital ratio | 16.7953% | 2,564 |
| Total risk-based capital ratio | 17.9196% | 2,560 |
| Memoranda: | ||
| Average total assets | $60,454,000 | 5,491 |
| Average earning assets | $57,907,000 | 5,422 |
| Average equity | $8,153,000 | 5,179 |
| Average total loans | $44,267,000 | 4,975 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 1,417 |
| Cost of funding earning assets | 0.4797% | 2,882 |
| Net interest margin | 4.1729% | 1,378 |
| Noninterest income to average assets | 0.3044% | 4,938 |
| Noninterest expense to average assets | 2.0259% | 5,722 |
| Loan and lease loss provision to assets | 0.2528% | 895 |
| Net operating income to assets | 1.8763% | 409 |
| Return on assets (ROA) | 1.8763% | 425 |
| Pretax return on assets | 1.9898% | 524 |
| Return on Equity (ROE) | 13.9222% | 947 |
| Retained earnings to average equity (ytd only) | 4.1218% | 3,272 |
| Net charge-offs to loans | 0.4175% | 1,020 |
| Credit loss provision to net charge-offs | 83.5227% | 2,793 |
| Earnings coverage of net charge-offs (x) | 7.4091% | 3,036 |
| Efficiency ratio | 47.4617% | 6,206 |
| Assets per employee ($millions) | 5.9392% | 1,422 |
| Cash dividends to net income (ytd only)* | 70.3941% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 4,735 |
| Loan loss allowance to noncurrent loans | 84.5735% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 2,896 |
| Noncurrent loans to loans | 1.2589% | 2,346 |
| Net loans and leases to total assets | 72.9122% | 1,775 |
| Net loans and leases to deposits | 104.9463% | 401 |
| Net loans and leases to core deposits | 109.9226% | 779 |
| Total domestic deposits to total assets | 69.4757% | 6,216 |
| Equity capital to assets | 13.5725% | 1,124 |
| Core capital (leverage) ratio | 12.8398% | 1,203 |
| Tier 1 risk-based capital ratio | 16.9702% | 2,529 |
| Total risk-based capital ratio | 18.0154% | 2,569 |
| Memoranda: | ||
| Average total assets | $58,145,800 | 5,597 |
| Average earning assets | $55,237,400 | 5,541 |
| Average equity | $7,836,400 | 5,240 |
| Average total loans | $42,158,200 | 5,100 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 1,401 |
| Cost of funding earning assets | 0.4788% | 2,971 |
| Net interest margin | 4.1826% | 1,343 |
| Noninterest income to average assets | 0.3297% | 4,797 |
| Noninterest expense to average assets | 2.0172% | 5,741 |
| Loan and lease loss provision to assets | 0.1037% | 2,310 |
| Net operating income to assets | 2.0633% | 308 |
| Return on assets (ROA) | 2.0633% | 319 |
| Pretax return on assets | 2.1763% | 386 |
| Return on Equity (ROE) | 15.3376% | 766 |
| Retained earnings to average equity (ytd only) | 5.4667% | 2,785 |
| Net charge-offs to loans | 0.2075% | 1,809 |
| Credit loss provision to net charge-offs | 69.2308% | 2,776 |
| Earnings coverage of net charge-offs (x) | 15.2161% | 2,069 |
| Efficiency ratio | 46.9421% | 6,245 |
| Assets per employee ($millions) | 6.5494% | 999 |
| Cash dividends to net income (ytd only)* | 64.3577% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 4,697 |
| Loan loss allowance to noncurrent loans | 119.3467% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6752% | 3,812 |
| Noncurrent loans to loans | 0.9311% | 3,236 |
| Net loans and leases to total assets | 71.7109% | 1,901 |
| Net loans and leases to deposits | 100.1279% | 608 |
| Net loans and leases to core deposits | 101.9512% | 1,217 |
| Total domestic deposits to total assets | 71.6193% | 6,195 |
| Equity capital to assets | 13.6992% | 1,110 |
| Core capital (leverage) ratio | 12.9806% | 1,185 |
| Tier 1 risk-based capital ratio | 17.2259% | 2,510 |
| Total risk-based capital ratio | 18.3079% | 2,543 |
| Memoranda: | ||
| Average total assets | $57,834,250 | 5,667 |
| Average earning assets | $54,860,250 | 5,619 |
| Average equity | $7,780,250 | 5,295 |
| Average total loans | $41,755,250 | 5,165 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 1,332 |
| Cost of funding earning assets | 0.4893% | 2,932 |
| Net interest margin | 4.1900% | 1,272 |
| Noninterest income to average assets | 0.3098% | 4,935 |
| Noninterest expense to average assets | 2.0778% | 5,671 |
| Loan and lease loss provision to assets | 0.1044% | 2,278 |
| Net operating income to assets | 1.9839% | 349 |
| Return on assets (ROA) | 1.9839% | 361 |
| Pretax return on assets | 2.0917% | 445 |
| Return on Equity (ROE) | 14.8399% | 815 |
| Retained earnings to average equity (ytd only) | 4.8425% | 3,060 |
| Net charge-offs to loans | 0.0145% | 3,947 |
| Credit loss provision to net charge-offs | 1,000.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 210.3333% | 317 |
| Efficiency ratio | 48.6156% | 6,252 |
| Assets per employee ($millions) | 5.8464% | 1,393 |
| Cash dividends to net income (ytd only)* | 67.3684% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 4,304 |
| Loan loss allowance to noncurrent loans | 105.4545% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 3,435 |
| Noncurrent loans to loans | 1.1621% | 2,901 |
| Net loans and leases to total assets | 71.9622% | 1,754 |
| Net loans and leases to deposits | 96.9111% | 745 |
| Net loans and leases to core deposits | 98.6240% | 1,399 |
| Total domestic deposits to total assets | 74.2560% | 6,089 |
| Equity capital to assets | 13.5725% | 1,131 |
| Core capital (leverage) ratio | 12.8287% | 1,225 |
| Tier 1 risk-based capital ratio | 17.0359% | 2,605 |
| Total risk-based capital ratio | 18.2329% | 2,584 |
| Memoranda: | ||
| Average total assets | $57,464,000 | 5,726 |
| Average earning assets | $54,367,670 | 5,679 |
| Average equity | $7,682,000 | 5,349 |
| Average total loans | $41,425,330 | 5,215 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6919% | 1,269 |
| Cost of funding earning assets | 0.5006% | 2,905 |
| Net interest margin | 4.1913% | 1,246 |
| Noninterest income to average assets | 0.3160% | 4,838 |
| Noninterest expense to average assets | 2.0083% | 5,868 |
| Loan and lease loss provision to assets | 0.1053% | 2,164 |
| Net operating income to assets | 2.0294% | 324 |
| Return on assets (ROA) | 2.0294% | 336 |
| Pretax return on assets | 2.1417% | 394 |
| Return on Equity (ROE) | 15.3001% | 733 |
| Retained earnings to average equity (ytd only) | 5.1353% | 3,031 |
| Net charge-offs to loans | -0.0490% | 5,797 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1947% | 6,391 |
| Assets per employee ($millions) | 5.7844% | 1,470 |
| Cash dividends to net income (ytd only)* | 66.4360% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 4,348 |
| Loan loss allowance to noncurrent loans | 65.7727% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 1.3536% | 2,608 |
| Noncurrent loans to loans | 1.9106% | 1,979 |
| Net loans and leases to total assets | 69.9589% | 1,892 |
| Net loans and leases to deposits | 93.8801% | 805 |
| Net loans and leases to core deposits | 95.5470% | 1,418 |
| Total domestic deposits to total assets | 74.5194% | 6,198 |
| Equity capital to assets | 13.2442% | 1,195 |
| Core capital (leverage) ratio | 12.7962% | 1,247 |
| Tier 1 risk-based capital ratio | 17.2617% | 2,566 |
| Total risk-based capital ratio | 18.4728% | 2,547 |
| Memoranda: | ||
| Average total assets | $56,964,000 | 5,791 |
| Average earning assets | $53,539,500 | 5,746 |
| Average equity | $7,555,500 | 5,409 |
| Average total loans | $40,841,000 | 5,283 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7291% | 1,492 |
| Cost of funding earning assets | 0.5276% | 3,314 |
| Net interest margin | 4.2015% | 1,351 |
| Noninterest income to average assets | 0.3506% | 4,809 |
| Noninterest expense to average assets | 2.0943% | 5,842 |
| Loan and lease loss provision to assets | 0.1119% | 2,941 |
| Net operating income to assets | 2.0272% | 326 |
| Return on assets (ROA) | 2.0272% | 327 |
| Pretax return on assets | 2.1391% | 348 |
| Return on Equity (ROE) | 14.5734% | 834 |
| Retained earnings to average equity (ytd only) | 4.1428% | 3,224 |
| Net charge-offs to loans | 0.0614% | 4,350 |
| Credit loss provision to net charge-offs | 260.8696% | 868 |
| Earnings coverage of net charge-offs (x) | 52.4783% | 767 |
| Efficiency ratio | 48.1974% | 6,486 |
| Assets per employee ($millions) | 5.6084% | 1,552 |
| Cash dividends to net income (ytd only)* | 71.5731% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 4,567 |
| Loan loss allowance to noncurrent loans | 42.7831% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 2.0630% | 1,734 |
| Noncurrent loans to loans | 2.8428% | 1,233 |
| Net loans and leases to total assets | 71.6871% | 1,738 |
| Net loans and leases to deposits | 95.9959% | 734 |
| Net loans and leases to core deposits | 97.7487% | 1,321 |
| Total domestic deposits to total assets | 74.6773% | 6,233 |
| Equity capital to assets | 13.2836% | 1,150 |
| Core capital (leverage) ratio | 13.1984% | 1,055 |
| Tier 1 risk-based capital ratio | 17.2934% | 2,495 |
| Total risk-based capital ratio | 18.4753% | 2,491 |
| Memoranda: | ||
| Average total assets | $53,621,800 | 5,927 |
| Average earning assets | $50,982,000 | 5,865 |
| Average equity | $7,458,800 | 5,465 |
| Average total loans | $37,453,400 | 5,446 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7362% | 1,506 |
| Cost of funding earning assets | 0.5345% | 3,422 |
| Net interest margin | 4.2017% | 1,329 |
| Noninterest income to average assets | 0.3647% | 4,783 |
| Noninterest expense to average assets | 2.0777% | 5,876 |
| Loan and lease loss provision to assets | 0.1132% | 2,878 |
| Net operating income to assets | 2.0551% | 325 |
| Return on assets (ROA) | 2.0551% | 336 |
| Pretax return on assets | 2.1683% | 418 |
| Return on Equity (ROE) | 14.6001% | 870 |
| Retained earnings to average equity (ytd only) | 4.3068% | 3,616 |
| Net charge-offs to loans | 0.0109% | 4,928 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 302.3250% | 198 |
| Efficiency ratio | 47.6630% | 6,515 |
| Assets per employee ($millions) | 6.0666% | 1,193 |
| Cash dividends to net income (ytd only)* | 70.5015% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 4,432 |
| Loan loss allowance to noncurrent loans | 63.2111% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.4542% | 2,768 |
| Noncurrent loans to loans | 2.0448% | 2,198 |
| Net loans and leases to total assets | 69.9335% | 1,983 |
| Net loans and leases to deposits | 92.8078% | 912 |
| Net loans and leases to core deposits | 94.5288% | 1,523 |
| Total domestic deposits to total assets | 75.3530% | 6,241 |
| Equity capital to assets | 13.5790% | 1,085 |
| Core capital (leverage) ratio | 13.4170% | 1,058 |
| Tier 1 risk-based capital ratio | 17.8589% | 2,374 |
| Total risk-based capital ratio | 19.1034% | 2,342 |
| Memoranda: | ||
| Average total assets | $53,006,250 | 6,009 |
| Average earning assets | $50,390,750 | 5,945 |
| Average equity | $7,461,000 | 5,523 |
| Average total loans | $36,641,750 | 5,526 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7128% | 1,532 |
| Cost of funding earning assets | 0.5361% | 3,539 |
| Net interest margin | 4.1768% | 1,340 |
| Noninterest income to average assets | 0.3773% | 4,687 |
| Noninterest expense to average assets | 2.0810% | 5,903 |
| Loan and lease loss provision to assets | 0.1143% | 2,903 |
| Net operating income to assets | 2.0543% | 325 |
| Return on assets (ROA) | 2.0543% | 340 |
| Pretax return on assets | 2.1610% | 449 |
| Return on Equity (ROE) | 14.4182% | 924 |
| Retained earnings to average equity (ytd only) | 4.1462% | 3,645 |
| Net charge-offs to loans | -0.0501% | 6,268 |
| Credit loss provision to net charge-offs | -333.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7690% | 6,549 |
| Assets per employee ($millions) | 5.8427% | 1,315 |
| Cash dividends to net income (ytd only)* | 71.2430% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 4,349 |
| Loan loss allowance to noncurrent loans | 109.2308% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 4,064 |
| Noncurrent loans to loans | 1.2205% | 3,514 |
| Net loans and leases to total assets | 69.9528% | 1,893 |
| Net loans and leases to deposits | 90.4206% | 1,102 |
| Net loans and leases to core deposits | 91.4047% | 1,771 |
| Total domestic deposits to total assets | 77.3638% | 6,077 |
| Equity capital to assets | 13.7456% | 1,034 |
| Core capital (leverage) ratio | 13.4618% | 992 |
| Tier 1 risk-based capital ratio | 18.1648% | 2,267 |
| Total risk-based capital ratio | 19.4153% | 2,224 |
| Memoranda: | ||
| Average total assets | $52,475,330 | 6,062 |
| Average earning assets | $49,991,000 | 5,994 |
| Average equity | $7,476,670 | 5,568 |
| Average total loans | $35,961,330 | 5,575 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7086% | 1,512 |
| Cost of funding earning assets | 0.5285% | 3,798 |
| Net interest margin | 4.1801% | 1,242 |
| Noninterest income to average assets | 0.3357% | 5,011 |
| Noninterest expense to average assets | 1.9687% | 6,168 |
| Loan and lease loss provision to assets | 0.1145% | 2,804 |
| Net operating income to assets | 2.1289% | 275 |
| Return on assets (ROA) | 2.1289% | 301 |
| Pretax return on assets | 2.2357% | 388 |
| Return on Equity (ROE) | 14.6823% | 824 |
| Retained earnings to average equity (ytd only) | 4.5783% | 3,489 |
| Net charge-offs to loans | -0.0113% | 5,491 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5830% | 6,705 |
| Assets per employee ($millions) | 5.9188% | 1,322 |
| Cash dividends to net income (ytd only)* | 68.8172% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 4,504 |
| Loan loss allowance to noncurrent loans | 126.7380% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 4,605 |
| Noncurrent loans to loans | 1.0586% | 4,024 |
| Net loans and leases to total assets | 65.4321% | 2,468 |
| Net loans and leases to deposits | 81.8769% | 1,847 |
| Net loans and leases to core deposits | 82.7261% | 2,477 |
| Total domestic deposits to total assets | 79.9151% | 5,769 |
| Equity capital to assets | 14.2691% | 948 |
| Core capital (leverage) ratio | 13.5231% | 938 |
| Tier 1 risk-based capital ratio | 18.4494% | 2,211 |
| Total risk-based capital ratio | 19.6951% | 2,182 |
| Memoranda: | ||
| Average total assets | $52,421,000 | 6,116 |
| Average earning assets | $49,951,000 | 6,053 |
| Average equity | $7,601,000 | 5,607 |
| Average total loans | $35,301,500 | 5,651 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0012% | 1,559 |
| Cost of funding earning assets | 0.6758% | 3,681 |
| Net interest margin | 4.3254% | 1,336 |
| Noninterest income to average assets | 0.2951% | 5,357 |
| Noninterest expense to average assets | 2.0736% | 6,182 |
| Loan and lease loss provision to assets | 0.2621% | 2,549 |
| Net operating income to assets | 1.9513% | 394 |
| Return on assets (ROA) | 1.9513% | 433 |
| Pretax return on assets | 2.0600% | 535 |
| Return on Equity (ROE) | 13.6116% | 1,078 |
| Retained earnings to average equity (ytd only) | 3.9277% | 3,440 |
| Net charge-offs to loans | 0.1003% | 4,664 |
| Credit loss provision to net charge-offs | 385.7143% | 627 |
| Earnings coverage of net charge-offs (x) | 34.1714% | 913 |
| Efficiency ratio | 47.1731% | 6,749 |
| Assets per employee ($millions) | 5.7303% | 1,490 |
| Cash dividends to net income (ytd only)* | 71.1443% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 4,630 |
| Loan loss allowance to noncurrent loans | 93.4827% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.9579% | 4,111 |
| Noncurrent loans to loans | 1.3920% | 3,517 |
| Net loans and leases to total assets | 67.5063% | 2,278 |
| Net loans and leases to deposits | 85.1056% | 1,623 |
| Net loans and leases to core deposits | 86.0246% | 2,311 |
| Total domestic deposits to total assets | 79.3206% | 5,817 |
| Equity capital to assets | 14.7383% | 811 |
| Core capital (leverage) ratio | 13.0960% | 1,083 |
| Tier 1 risk-based capital ratio | 18.5280% | 2,098 |
| Total risk-based capital ratio | 19.7547% | 2,069 |
| Memoranda: | ||
| Average total assets | $51,504,200 | 6,166 |
| Average earning assets | $48,828,400 | 6,093 |
| Average equity | $7,383,400 | 5,667 |
| Average total loans | $34,887,600 | 5,719 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0534% | 1,550 |
| Cost of funding earning assets | 0.6965% | 3,798 |
| Net interest margin | 4.3569% | 1,332 |
| Noninterest income to average assets | 0.2615% | 5,693 |
| Noninterest expense to average assets | 2.0665% | 6,231 |
| Loan and lease loss provision to assets | 0.2719% | 2,402 |
| Net operating income to assets | 1.9318% | 424 |
| Return on assets (ROA) | 1.9318% | 491 |
| Pretax return on assets | 2.0380% | 649 |
| Return on Equity (ROE) | 13.5713% | 1,206 |
| Retained earnings to average equity (ytd only) | 3.6749% | 4,301 |
| Net charge-offs to loans | 0.1725% | 3,722 |
| Credit loss provision to net charge-offs | 233.3333% | 1,187 |
| Earnings coverage of net charge-offs (x) | 19.8217% | 1,475 |
| Efficiency ratio | 47.2189% | 6,761 |
| Assets per employee ($millions) | 5.8190% | 1,359 |
| Cash dividends to net income (ytd only)* | 72.9229% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 5,307 |
| Loan loss allowance to noncurrent loans | 90.8696% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.8841% | 4,518 |
| Noncurrent loans to loans | 1.3149% | 3,841 |
| Net loans and leases to total assets | 66.0003% | 2,650 |
| Net loans and leases to deposits | 82.9374% | 2,003 |
| Net loans and leases to core deposits | 83.8122% | 2,721 |
| Total domestic deposits to total assets | 79.5784% | 5,755 |
| Equity capital to assets | 14.3954% | 1,005 |
| Core capital (leverage) ratio | 12.8534% | 1,248 |
| Tier 1 risk-based capital ratio | 18.6707% | 2,109 |
| Total risk-based capital ratio | 19.8107% | 2,108 |
| Memoranda: | ||
| Average total assets | $51,487,000 | 6,233 |
| Average earning assets | $48,626,250 | 6,174 |
| Average equity | $7,329,000 | 5,739 |
| Average total loans | $34,791,000 | 5,801 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0710% | 1,594 |
| Cost of funding earning assets | 0.7203% | 3,845 |
| Net interest margin | 4.3507% | 1,337 |
| Noninterest income to average assets | 0.2110% | 6,053 |
| Noninterest expense to average assets | 2.0745% | 6,279 |
| Loan and lease loss provision to assets | 0.2930% | 2,237 |
| Net operating income to assets | 1.8479% | 513 |
| Return on assets (ROA) | 1.8479% | 581 |
| Pretax return on assets | 1.9495% | 761 |
| Return on Equity (ROE) | 13.0321% | 1,357 |
| Retained earnings to average equity (ytd only) | 2.7001% | 4,827 |
| Net charge-offs to loans | 0.2707% | 2,962 |
| Credit loss provision to net charge-offs | 159.5745% | 1,743 |
| Earnings coverage of net charge-offs (x) | 12.2128% | 1,897 |
| Efficiency ratio | 48.0543% | 6,772 |
| Assets per employee ($millions) | 5.7781% | 1,392 |
| Cash dividends to net income (ytd only)* | 79.2812% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 5,758 |
| Loan loss allowance to noncurrent loans | 139.3502% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5365% | 5,424 |
| Noncurrent loans to loans | 0.7916% | 4,930 |
| Net loans and leases to total assets | 66.5462% | 2,559 |
| Net loans and leases to deposits | 83.3739% | 1,936 |
| Net loans and leases to core deposits | 84.2569% | 2,658 |
| Total domestic deposits to total assets | 79.8165% | 5,788 |
| Equity capital to assets | 14.1550% | 1,030 |
| Core capital (leverage) ratio | 12.9370% | 1,170 |
| Tier 1 risk-based capital ratio | 18.1334% | 2,252 |
| Total risk-based capital ratio | 19.1716% | 2,287 |
| Memoranda: | ||
| Average total assets | $51,192,330 | 6,283 |
| Average earning assets | $48,314,330 | 6,226 |
| Average equity | $7,259,000 | 5,770 |
| Average total loans | $34,727,000 | 5,843 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 1,431 |
| Cost of funding earning assets | 0.7749% | 3,660 |
| Net interest margin | 4.3744% | 1,288 |
| Noninterest income to average assets | 0.0079% | 7,077 |
| Noninterest expense to average assets | 2.0793% | 6,310 |
| Loan and lease loss provision to assets | 0.3544% | 1,775 |
| Net operating income to assets | 1.6225% | 829 |
| Return on assets (ROA) | 1.6225% | 928 |
| Pretax return on assets | 1.7091% | 1,278 |
| Return on Equity (ROE) | 11.4317% | 1,861 |
| Retained earnings to average equity (ytd only) | 0.7769% | 5,749 |
| Net charge-offs to loans | 0.2775% | 2,561 |
| Credit loss provision to net charge-offs | 187.5000% | 1,398 |
| Earnings coverage of net charge-offs (x) | 10.9167% | 1,716 |
| Efficiency ratio | 50.1901% | 6,661 |
| Assets per employee ($millions) | 5.7366% | 1,489 |
| Cash dividends to net income (ytd only)* | 93.2039% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 5,854 |
| Loan loss allowance to noncurrent loans | 58.4877% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.3035% | 3,953 |
| Noncurrent loans to loans | 1.9020% | 3,278 |
| Net loans and leases to total assets | 65.2560% | 2,609 |
| Net loans and leases to deposits | 81.5624% | 1,993 |
| Net loans and leases to core deposits | 82.4265% | 2,767 |
| Total domestic deposits to total assets | 80.0074% | 5,852 |
| Equity capital to assets | 13.9650% | 1,037 |
| Core capital (leverage) ratio | 13.1701% | 1,064 |
| Tier 1 risk-based capital ratio | 18.0683% | 2,261 |
| Total risk-based capital ratio | 19.0969% | 2,325 |
| Memoranda: | ||
| Average total assets | $50,787,000 | 6,344 |
| Average earning assets | $48,007,000 | 6,277 |
| Average equity | $7,208,000 | 5,808 |
| Average total loans | $34,594,500 | 5,891 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7163% | 757 |
| Cost of funding earning assets | 0.9911% | 3,444 |
| Net interest margin | 4.7252% | 710 |
| Noninterest income to average assets | 0.4042% | 4,580 |
| Noninterest expense to average assets | 2.2171% | 6,234 |
| Loan and lease loss provision to assets | 0.1875% | 4,310 |
| Net operating income to assets | 2.3233% | 178 |
| Return on assets (ROA) | 2.3233% | 185 |
| Pretax return on assets | 2.4504% | 224 |
| Return on Equity (ROE) | 16.3937% | 555 |
| Retained earnings to average equity (ytd only) | 5.3077% | 2,445 |
| Net charge-offs to loans | 0.2910% | 3,953 |
| Credit loss provision to net charge-offs | 90.0000% | 4,001 |
| Earnings coverage of net charge-offs (x) | 12.6600% | 1,604 |
| Efficiency ratio | 45.6652% | 7,066 |
| Assets per employee ($millions) | 5.5494% | 1,583 |
| Cash dividends to net income (ytd only)* | 67.6233% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 6,123 |
| Loan loss allowance to noncurrent loans | 125.1748% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6607% | 5,328 |
| Noncurrent loans to loans | 0.8144% | 5,062 |
| Net loans and leases to total assets | 69.5986% | 2,114 |
| Net loans and leases to deposits | 87.6541% | 1,429 |
| Net loans and leases to core deposits | 88.6195% | 2,305 |
| Total domestic deposits to total assets | 79.4013% | 5,893 |
| Equity capital to assets | 14.4279% | 921 |
| Core capital (leverage) ratio | 13.1726% | 1,081 |
| Tier 1 risk-based capital ratio | 17.6909% | 2,305 |
| Total risk-based capital ratio | 18.6442% | 2,392 |
| Memoranda: | ||
| Average total assets | $47,991,200 | 6,424 |
| Average earning assets | $45,204,000 | 6,352 |
| Average equity | $6,801,400 | 5,920 |
| Average total loans | $34,366,400 | 5,939 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7933% | 709 |
| Cost of funding earning assets | 1.0420% | 3,373 |
| Net interest margin | 4.7513% | 687 |
| Noninterest income to average assets | 0.3845% | 4,775 |
| Noninterest expense to average assets | 2.2370% | 6,195 |
| Loan and lease loss provision to assets | 0.1684% | 4,364 |
| Net operating income to assets | 2.3296% | 200 |
| Return on assets (ROA) | 2.3296% | 216 |
| Pretax return on assets | 2.4587% | 266 |
| Return on Equity (ROE) | 16.5164% | 609 |
| Retained earnings to average equity (ytd only) | 5.3329% | 2,966 |
| Net charge-offs to loans | 0.2341% | 3,962 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 15.5996% | 1,454 |
| Efficiency ratio | 45.9896% | 7,062 |
| Assets per employee ($millions) | 5.3981% | 1,698 |
| Cash dividends to net income (ytd only)* | 67.7104% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 6,055 |
| Loan loss allowance to noncurrent loans | 66.8478% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.2268% | 4,344 |
| Noncurrent loans to loans | 1.5683% | 3,944 |
| Net loans and leases to total assets | 71.6876% | 1,778 |
| Net loans and leases to deposits | 90.8683% | 1,121 |
| Net loans and leases to core deposits | 91.8969% | 2,007 |
| Total domestic deposits to total assets | 78.8918% | 6,011 |
| Equity capital to assets | 14.5792% | 967 |
| Core capital (leverage) ratio | 13.4502% | 1,061 |
| Tier 1 risk-based capital ratio | 17.4536% | 2,465 |
| Total risk-based capital ratio | 18.4369% | 2,536 |
| Memoranda: | ||
| Average total assets | $47,502,750 | 6,498 |
| Average earning assets | $44,786,250 | 6,427 |
| Average equity | $6,700,250 | 6,000 |
| Average total loans | $34,178,250 | 6,011 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8342% | 672 |
| Cost of funding earning assets | 1.0706% | 3,467 |
| Net interest margin | 4.7636% | 641 |
| Noninterest income to average assets | 0.4497% | 4,288 |
| Noninterest expense to average assets | 2.3121% | 6,091 |
| Loan and lease loss provision to assets | 0.1273% | 4,699 |
| Net operating income to assets | 2.3758% | 198 |
| Return on assets (ROA) | 2.3758% | 207 |
| Pretax return on assets | 2.5030% | 246 |
| Return on Equity (ROE) | 17.0403% | 549 |
| Retained earnings to average equity (ytd only) | 5.6598% | 2,617 |
| Net charge-offs to loans | 0.3664% | 3,083 |
| Credit loss provision to net charge-offs | 48.3871% | 4,619 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,859 |
| Efficiency ratio | 46.7811% | 7,122 |
| Assets per employee ($millions) | 5.2124% | 1,858 |
| Cash dividends to net income (ytd only)* | 66.7857% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 6,418 |
| Loan loss allowance to noncurrent loans | 142.3729% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5969% | 5,726 |
| Noncurrent loans to loans | 0.6884% | 5,528 |
| Net loans and leases to total assets | 72.3568% | 1,717 |
| Net loans and leases to deposits | 91.7405% | 1,085 |
| Net loans and leases to core deposits | 92.8167% | 2,039 |
| Total domestic deposits to total assets | 78.8711% | 6,113 |
| Equity capital to assets | 14.4526% | 952 |
| Core capital (leverage) ratio | 13.4952% | 995 |
| Tier 1 risk-based capital ratio | 17.9090% | 2,209 |
| Total risk-based capital ratio | 18.8393% | 2,278 |
| Memoranda: | ||
| Average total assets | $47,142,670 | 6,561 |
| Average earning assets | $44,462,330 | 6,494 |
| Average equity | $6,572,670 | 6,063 |
| Average total loans | $33,838,670 | 6,085 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8262% | 704 |
| Cost of funding earning assets | 1.0593% | 3,789 |
| Net interest margin | 4.7669% | 611 |
| Noninterest income to average assets | 0.4317% | 4,443 |
| Noninterest expense to average assets | 2.1838% | 6,459 |
| Loan and lease loss provision to assets | 0.1270% | 4,409 |
| Net operating income to assets | 2.4800% | 182 |
| Return on assets (ROA) | 2.4800% | 187 |
| Pretax return on assets | 2.6154% | 215 |
| Return on Equity (ROE) | 18.1172% | 472 |
| Retained earnings to average equity (ytd only) | 6.5543% | 2,350 |
| Net charge-offs to loans | -0.0357% | 6,766 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3299% | 7,271 |
| Assets per employee ($millions) | 5.2399% | 1,838 |
| Cash dividends to net income (ytd only)* | 63.8225% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 5,884 |
| Loan loss allowance to noncurrent loans | 88.3295% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.0200% | 4,867 |
| Noncurrent loans to loans | 1.2905% | 4,543 |
| Net loans and leases to total assets | 70.9896% | 1,929 |
| Net loans and leases to deposits | 89.3772% | 1,312 |
| Net loans and leases to core deposits | 90.4053% | 2,305 |
| Total domestic deposits to total assets | 79.4270% | 6,077 |
| Equity capital to assets | 13.9676% | 1,014 |
| Core capital (leverage) ratio | 13.3456% | 1,012 |
| Tier 1 risk-based capital ratio | 17.6586% | 2,227 |
| Total risk-based capital ratio | 18.7256% | 2,271 |
| Memoranda: | ||
| Average total assets | $47,258,000 | 6,607 |
| Average earning assets | $44,557,000 | 6,542 |
| Average equity | $6,469,000 | 6,103 |
| Average total loans | $33,618,000 | 6,147 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0486% | 779 |
| Cost of funding earning assets | 1.3898% | 3,339 |
| Net interest margin | 4.6587% | 891 |
| Noninterest income to average assets | 0.3802% | 5,060 |
| Noninterest expense to average assets | 2.3090% | 6,334 |
| Loan and lease loss provision to assets | 0.2563% | 4,740 |
| Net operating income to assets | 2.0548% | 258 |
| Return on assets (ROA) | 2.0548% | 268 |
| Pretax return on assets | 2.1680% | 346 |
| Return on Equity (ROE) | 15.1101% | 701 |
| Retained earnings to average equity (ytd only) | 5.0105% | 2,401 |
| Net charge-offs to loans | 0.0897% | 5,945 |
| Credit loss provision to net charge-offs | 413.7931% | 582 |
| Earnings coverage of net charge-offs (x) | 39.1379% | 594 |
| Efficiency ratio | 48.7816% | 7,214 |
| Assets per employee ($millions) | 5.2619% | 1,791 |
| Cash dividends to net income (ytd only)* | 66.8399% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 5,944 |
| Loan loss allowance to noncurrent loans | 255.5556% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 6,276 |
| Noncurrent loans to loans | 0.4315% | 6,181 |
| Net loans and leases to total assets | 69.6919% | 2,603 |
| Net loans and leases to deposits | 90.9652% | 1,403 |
| Net loans and leases to core deposits | 92.0460% | 2,498 |
| Total domestic deposits to total assets | 76.6138% | 6,547 |
| Equity capital to assets | 13.4109% | 1,216 |
| Core capital (leverage) ratio | 13.1541% | 1,076 |
| Tier 1 risk-based capital ratio | 17.5553% | 2,154 |
| Total risk-based capital ratio | 18.5837% | 2,190 |
| Memoranda: | ||
| Average total assets | $46,817,600 | 6,642 |
| Average earning assets | $43,746,000 | 6,590 |
| Average equity | $6,366,600 | 6,245 |
| Average total loans | $32,344,200 | 6,295 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0669% | 813 |
| Cost of funding earning assets | 1.4662% | 3,174 |
| Net interest margin | 4.6006% | 1,043 |
| Noninterest income to average assets | 0.3799% | 5,113 |
| Noninterest expense to average assets | 2.2849% | 6,374 |
| Loan and lease loss provision to assets | 0.2571% | 4,523 |
| Net operating income to assets | 2.0221% | 324 |
| Return on assets (ROA) | 2.0221% | 349 |
| Pretax return on assets | 2.1307% | 473 |
| Return on Equity (ROE) | 14.8180% | 894 |
| Retained earnings to average equity (ytd only) | 5.3789% | 2,719 |
| Net charge-offs to loans | 0.1205% | 5,344 |
| Credit loss provision to net charge-offs | 310.3448% | 1,020 |
| Earnings coverage of net charge-offs (x) | 28.8244% | 905 |
| Efficiency ratio | 48.8998% | 7,218 |
| Assets per employee ($millions) | 5.2278% | 1,899 |
| Cash dividends to net income (ytd only)* | 63.7005% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 6,374 |
| Loan loss allowance to noncurrent loans | 71.3983% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.0967% | 4,919 |
| Noncurrent loans to loans | 1.4066% | 4,508 |
| Net loans and leases to total assets | 70.6015% | 2,589 |
| Net loans and leases to deposits | 93.5587% | 1,253 |
| Net loans and leases to core deposits | 94.6840% | 2,427 |
| Total domestic deposits to total assets | 75.4623% | 6,750 |
| Equity capital to assets | 14.0319% | 1,158 |
| Core capital (leverage) ratio | 13.1016% | 1,189 |
| Tier 1 risk-based capital ratio | 17.3544% | 2,226 |
| Total risk-based capital ratio | 18.2947% | 2,285 |
| Memoranda: | ||
| Average total assets | $46,682,750 | 6,723 |
| Average earning assets | $43,558,000 | 6,679 |
| Average equity | $6,370,500 | 6,327 |
| Average total loans | $32,087,250 | 6,390 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0541% | 839 |
| Cost of funding earning assets | 1.5158% | 3,161 |
| Net interest margin | 4.5383% | 1,129 |
| Noninterest income to average assets | 0.3694% | 5,187 |
| Noninterest expense to average assets | 2.3239% | 6,291 |
| Loan and lease loss provision to assets | 0.2577% | 4,358 |
| Net operating income to assets | 1.9115% | 387 |
| Return on assets (ROA) | 1.9115% | 428 |
| Pretax return on assets | 2.0189% | 579 |
| Return on Equity (ROE) | 14.1420% | 1,018 |
| Retained earnings to average equity (ytd only) | 4.9894% | 2,904 |
| Net charge-offs to loans | -0.0506% | 7,451 |
| Credit loss provision to net charge-offs | -750.0000% | 6,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5135% | 7,192 |
| Assets per employee ($millions) | 5.1878% | 1,939 |
| Cash dividends to net income (ytd only)* | 64.7191% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 6,111 |
| Loan loss allowance to noncurrent loans | 68.1818% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.1780% | 4,782 |
| Noncurrent loans to loans | 1.5607% | 4,372 |
| Net loans and leases to total assets | 68.6999% | 3,196 |
| Net loans and leases to deposits | 90.4364% | 1,781 |
| Net loans and leases to core deposits | 91.5254% | 3,054 |
| Total domestic deposits to total assets | 75.9649% | 6,705 |
| Equity capital to assets | 13.6560% | 1,286 |
| Core capital (leverage) ratio | 13.0191% | 1,203 |
| Tier 1 risk-based capital ratio | 17.6034% | 2,075 |
| Total risk-based capital ratio | 18.5958% | 2,116 |
| Memoranda: | ||
| Average total assets | $46,560,330 | 6,776 |
| Average earning assets | $43,408,330 | 6,724 |
| Average equity | $6,293,330 | 6,373 |
| Average total loans | $31,598,000 | 6,456 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0261% | 926 |
| Cost of funding earning assets | 1.5319% | 3,367 |
| Net interest margin | 4.4942% | 1,161 |
| Noninterest income to average assets | 0.3957% | 4,949 |
| Noninterest expense to average assets | 2.2626% | 6,508 |
| Loan and lease loss provision to assets | 0.2581% | 3,973 |
| Net operating income to assets | 1.9615% | 370 |
| Return on assets (ROA) | 1.9615% | 403 |
| Pretax return on assets | 2.0647% | 539 |
| Return on Equity (ROE) | 14.5873% | 943 |
| Retained earnings to average equity (ytd only) | 5.3743% | 2,947 |
| Net charge-offs to loans | -0.0898% | 7,501 |
| Credit loss provision to net charge-offs | -428.5714% | 6,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3433% | 7,356 |
| Assets per employee ($millions) | 5.1150% | 2,072 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 6,484 |
| Loan loss allowance to noncurrent loans | 103.9735% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 5,645 |
| Noncurrent loans to loans | 0.9607% | 5,415 |
| Net loans and leases to total assets | 67.6051% | 3,485 |
| Net loans and leases to deposits | 87.9948% | 2,230 |
| Net loans and leases to core deposits | 89.0498% | 3,490 |
| Total domestic deposits to total assets | 76.8285% | 6,589 |
| Equity capital to assets | 13.6679% | 1,258 |
| Core capital (leverage) ratio | 13.0424% | 1,202 |
| Tier 1 risk-based capital ratio | 17.6113% | 2,048 |
| Total risk-based capital ratio | 18.5257% | 2,119 |
| Memoranda: | ||
| Average total assets | $46,495,500 | 6,861 |
| Average earning assets | $43,344,500 | 6,805 |
| Average equity | $6,252,000 | 6,428 |
| Average total loans | $31,186,500 | 6,562 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0641% | 1,625 |
| Cost of funding earning assets | 1.8679% | 3,628 |
| Net interest margin | 4.1963% | 2,075 |
| Noninterest income to average assets | 0.5177% | 4,278 |
| Noninterest expense to average assets | 2.3134% | 6,713 |
| Loan and lease loss provision to assets | 0.0874% | 6,740 |
| Net operating income to assets | 1.9442% | 256 |
| Return on assets (ROA) | 1.9442% | 268 |
| Pretax return on assets | 2.0578% | 364 |
| Return on Equity (ROE) | 14.6986% | 700 |
| Retained earnings to average equity (ytd only) | 4.8720% | 1,890 |
| Net charge-offs to loans | -0.0566% | 7,851 |
| Credit loss provision to net charge-offs | -250.0000% | 7,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8863% | 7,396 |
| Assets per employee ($millions) | 4.6956% | 2,618 |
| Cash dividends to net income (ytd only)* | 66.8539% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8954% | 6,833 |
| Loan loss allowance to noncurrent loans | 109.9206% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 5,892 |
| Noncurrent loans to loans | 0.8146% | 5,659 |
| Net loans and leases to total assets | 65.2952% | 4,326 |
| Net loans and leases to deposits | 81.4840% | 3,700 |
| Net loans and leases to core deposits | 90.7476% | 5,049 |
| Total domestic deposits to total assets | 80.1325% | 5,637 |
| Equity capital to assets | 13.2294% | 1,422 |
| Core capital (leverage) ratio | 12.4634% | 1,472 |
| Tier 1 risk-based capital ratio | 17.4924% | 2,027 |
| Total risk-based capital ratio | 18.3050% | 2,098 |
| Memoranda: | ||
| Average total assets | $45,777,600 | 6,881 |
| Average earning assets | $42,990,600 | 6,816 |
| Average equity | $6,055,000 | 6,585 |
| Average total loans | $28,257,200 | 6,729 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0525% | 1,828 |
| Cost of funding earning assets | 1.9223% | 3,764 |
| Net interest margin | 4.1303% | 2,284 |
| Noninterest income to average assets | 0.5071% | 4,426 |
| Noninterest expense to average assets | 2.2074% | 6,953 |
| Loan and lease loss provision to assets | 0.0293% | 7,054 |
| Net operating income to assets | 2.0549% | 256 |
| Return on assets (ROA) | 2.0549% | 287 |
| Pretax return on assets | 2.1693% | 381 |
| Return on Equity (ROE) | 15.5365% | 709 |
| Retained earnings to average equity (ytd only) | 5.7625% | 2,070 |
| Net charge-offs to loans | -0.0145% | 7,725 |
| Credit loss provision to net charge-offs | -333.3333% | 7,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0998% | 7,545 |
| Assets per employee ($millions) | 4.6126% | 2,682 |
| Cash dividends to net income (ytd only)* | 62.9109% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8162% | 7,072 |
| Loan loss allowance to noncurrent loans | 65.9155% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 5,353 |
| Noncurrent loans to loans | 1.2382% | 4,878 |
| Net loans and leases to total assets | 61.6507% | 5,301 |
| Net loans and leases to deposits | 77.6606% | 4,788 |
| Net loans and leases to core deposits | 86.7696% | 5,789 |
| Total domestic deposits to total assets | 79.3847% | 5,667 |
| Equity capital to assets | 13.6366% | 1,440 |
| Core capital (leverage) ratio | 12.6588% | 1,519 |
| Tier 1 risk-based capital ratio | 18.2811% | 1,911 |
| Total risk-based capital ratio | 19.0027% | 2,006 |
| Memoranda: | ||
| Average total assets | $45,483,000 | 6,942 |
| Average earning assets | $42,934,000 | 6,867 |
| Average equity | $6,015,750 | 6,656 |
| Average total loans | $27,587,250 | 6,824 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1182% | 1,733 |
| Cost of funding earning assets | 1.9703% | 3,913 |
| Net interest margin | 4.1479% | 2,168 |
| Noninterest income to average assets | 0.5125% | 4,334 |
| Noninterest expense to average assets | 2.3416% | 6,640 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9528% | 332 |
| Return on assets (ROA) | 1.9528% | 365 |
| Pretax return on assets | 2.0588% | 478 |
| Return on Equity (ROE) | 14.9215% | 844 |
| Retained earnings to average equity (ytd only) | 4.8613% | 2,585 |
| Net charge-offs to loans | -0.0955% | 7,944 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2129% | 7,410 |
| Assets per employee ($millions) | 4.4962% | 2,781 |
| Cash dividends to net income (ytd only)* | 67.4208% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 6,959 |
| Loan loss allowance to noncurrent loans | 79.8635% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.7962% | 5,402 |
| Noncurrent loans to loans | 1.0706% | 5,069 |
| Net loans and leases to total assets | 60.3510% | 5,619 |
| Net loans and leases to deposits | 76.1300% | 5,155 |
| Net loans and leases to core deposits | 83.4820% | 6,122 |
| Total domestic deposits to total assets | 79.2736% | 5,727 |
| Equity capital to assets | 13.2579% | 1,577 |
| Core capital (leverage) ratio | 12.6331% | 1,568 |
| Tier 1 risk-based capital ratio | 18.6953% | 1,837 |
| Total risk-based capital ratio | 19.4480% | 1,903 |
| Memoranda: | ||
| Average total assets | $45,268,670 | 7,009 |
| Average earning assets | $42,430,670 | 6,950 |
| Average equity | $5,924,330 | 6,751 |
| Average total loans | $27,226,000 | 6,898 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1314% | 1,826 |
| Cost of funding earning assets | 2.0751% | 3,767 |
| Net interest margin | 4.0563% | 2,432 |
| Noninterest income to average assets | 0.4755% | 4,548 |
| Noninterest expense to average assets | 2.1135% | 7,083 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0519% | 322 |
| Return on assets (ROA) | 2.0519% | 365 |
| Pretax return on assets | 2.1664% | 474 |
| Return on Equity (ROE) | 15.7806% | 855 |
| Retained earnings to average equity (ytd only) | 6.0278% | 2,611 |
| Net charge-offs to loans | -0.1031% | 7,884 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3827% | 7,635 |
| Assets per employee ($millions) | 4.5958% | 2,571 |
| Cash dividends to net income (ytd only)* | 61.8026% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 7,125 |
| Loan loss allowance to noncurrent loans | 65.3295% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 0.9008% | 4,931 |
| Noncurrent loans to loans | 1.2380% | 4,493 |
| Net loans and leases to total assets | 60.8447% | 5,521 |
| Net loans and leases to deposits | 79.8487% | 4,639 |
| Net loans and leases to core deposits | 88.6588% | 5,680 |
| Total domestic deposits to total assets | 76.2000% | 6,476 |
| Equity capital to assets | 13.0184% | 1,737 |
| Core capital (leverage) ratio | 12.3467% | 1,747 |
| Tier 1 risk-based capital ratio | 18.0935% | 2,027 |
| Total risk-based capital ratio | 18.8101% | 2,110 |
| Memoranda: | ||
| Average total assets | $45,422,000 | 7,051 |
| Average earning assets | $42,600,500 | 6,992 |
| Average equity | $5,906,000 | 6,810 |
| Average total loans | $27,154,500 | 6,930 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3634% | 3,618 |
| Cost of funding earning assets | 2.4300% | 4,571 |
| Net interest margin | 3.9334% | 3,426 |
| Noninterest income to average assets | 0.5426% | 4,295 |
| Noninterest expense to average assets | 2.0901% | 7,258 |
| Loan and lease loss provision to assets | 0.0733% | 6,480 |
| Net operating income to assets | 1.9665% | 383 |
| Return on assets (ROA) | 1.9665% | 370 |
| Pretax return on assets | 2.0627% | 522 |
| Return on Equity (ROE) | 15.0491% | 915 |
| Retained earnings to average equity (ytd only) | 5.9741% | 1,546 |
| Net charge-offs to loans | 0.0561% | 5,978 |
| Credit loss provision to net charge-offs | 228.5714% | 2,079 |
| Earnings coverage of net charge-offs (x) | 66.6429% | 606 |
| Efficiency ratio | 49.4583% | 7,694 |
| Assets per employee ($millions) | 4.9873% | 1,952 |
| Cash dividends to net income (ytd only)* | 60.3027% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 6,918 |
| Loan loss allowance to noncurrent loans | 192.1739% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 6,017 |
| Noncurrent loans to loans | 0.4403% | 6,036 |
| Net loans and leases to total assets | 57.6950% | 6,248 |
| Net loans and leases to deposits | 74.5710% | 5,783 |
| Net loans and leases to core deposits | 82.0720% | 6,460 |
| Total domestic deposits to total assets | 77.3693% | 5,902 |
| Equity capital to assets | 12.9862% | 1,794 |
| Core capital (leverage) ratio | 12.5766% | 1,717 |
| Tier 1 risk-based capital ratio | 19.1506% | 1,782 |
| Total risk-based capital ratio | 19.8973% | 1,833 |
| Memoranda: | ||
| Average total assets | $43,681,600 | 7,043 |
| Average earning assets | $40,906,000 | 6,999 |
| Average equity | $5,708,000 | 6,911 |
| Average total loans | $24,947,000 | 7,026 |