Home > Oakwood Bank > Performance and Condition Ratios
Oakwood Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7989% | 836 |
| Cost of funding earning assets | 2.0647% | 821 |
| Net interest margin | 3.7342% | 1,689 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.1650% | 3,210 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.2641% | 1,510 |
| Return on assets (ROA) | 1.2741% | 1,456 |
| Pretax return on assets | 1.3621% | 1,715 |
| Return on Equity (ROE) | 10.6000% | 2,331 |
| Retained earnings to average equity (ytd only) | 5.6340% | 2,371 |
| Net charge-offs to loans | 0.0173% | 2,018 |
| Credit loss provision to net charge-offs | 277.7778% | 1,006 |
| Earnings coverage of net charge-offs (x) | 94.8889% | 925 |
| Efficiency ratio | 58.9368% | 3,195 |
| Assets per employee ($millions) | 8.1803% | 1,342 |
| Cash dividends to net income (ytd only)* | 46.8330% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 3,740 |
| Loan loss allowance to noncurrent loans | 1,738.1818% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,328 |
| Noncurrent loans to loans | 0.0513% | 3,358 |
| Net loans and leases to total assets | 81.1800% | 513 |
| Net loans and leases to deposits | 106.3337% | 281 |
| Net loans and leases to core deposits | 126.9914% | 462 |
| Total domestic deposits to total assets | 76.3500% | 3,912 |
| Equity capital to assets | 11.9151% | 1,158 |
| Core capital (leverage) ratio | 8.9827% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2207% | 2,778 |
| Memoranda: | ||
| Average total assets | $122,677,600 | 3,625 |
| Average earning assets | $113,142,400 | 3,613 |
| Average equity | $14,749,800 | 3,290 |
| Average total loans | $103,993,200 | 3,133 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6251% | 881 |
| Cost of funding earning assets | 1.9094% | 846 |
| Net interest margin | 3.7157% | 1,745 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.2084% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2440% | 1,666 |
| Return on assets (ROA) | 1.2512% | 1,641 |
| Pretax return on assets | 1.3430% | 1,917 |
| Return on Equity (ROE) | 10.3800% | 2,536 |
| Retained earnings to average equity (ytd only) | 4.9247% | 2,962 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.3368% | 2,927 |
| Assets per employee ($millions) | 6.9437% | 1,994 |
| Cash dividends to net income (ytd only)* | 52.5618% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 3,831 |
| Loan loss allowance to noncurrent loans | 4,868.4211% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,690 |
| Noncurrent loans to loans | 0.0178% | 3,650 |
| Net loans and leases to total assets | 84.6000% | 242 |
| Net loans and leases to deposits | 109.5630% | 212 |
| Net loans and leases to core deposits | 132.2824% | 315 |
| Total domestic deposits to total assets | 77.2100% | 3,904 |
| Equity capital to assets | 12.0949% | 1,017 |
| Core capital (leverage) ratio | 9.1476% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9658% | 2,825 |
| Memoranda: | ||
| Average total assets | $120,626,000 | 3,658 |
| Average earning assets | $111,237,250 | 3,647 |
| Average equity | $14,538,500 | 3,305 |
| Average total loans | $103,188,750 | 3,140 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4402% | 912 |
| Cost of funding earning assets | 1.7109% | 869 |
| Net interest margin | 3.7293% | 1,761 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.2690% | 2,892 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.2023% | 1,830 |
| Return on assets (ROA) | 1.2117% | 1,786 |
| Pretax return on assets | 1.3090% | 2,056 |
| Return on Equity (ROE) | 10.0700% | 2,677 |
| Retained earnings to average equity (ytd only) | 4.9074% | 2,962 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.5312% | 2,772 |
| Assets per employee ($millions) | 6.8569% | 2,035 |
| Cash dividends to net income (ytd only)* | 51.2465% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 3,826 |
| Loan loss allowance to noncurrent loans | 1,116.8675% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 3,095 |
| Noncurrent loans to loans | 0.0793% | 3,119 |
| Net loans and leases to total assets | 84.1000% | 264 |
| Net loans and leases to deposits | 108.5903% | 233 |
| Net loans and leases to core deposits | 129.9403% | 329 |
| Total domestic deposits to total assets | 77.4400% | 3,902 |
| Equity capital to assets | 11.7942% | 1,108 |
| Core capital (leverage) ratio | 8.7810% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4581% | 2,910 |
| Memoranda: | ||
| Average total assets | $119,172,333 | 3,686 |
| Average earning assets | $109,886,667 | 3,672 |
| Average equity | $14,345,667 | 3,325 |
| Average total loans | $102,031,333 | 3,154 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3331% | 793 |
| Cost of funding earning assets | 1.5131% | 823 |
| Net interest margin | 3.8199% | 1,646 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.3307% | 2,725 |
| Loan and lease loss provision to assets | -0.0800% | 4,558 |
| Net operating income to assets | 1.2997% | 1,664 |
| Return on assets (ROA) | 1.3123% | 1,610 |
| Pretax return on assets | 1.4285% | 1,816 |
| Return on Equity (ROE) | 10.7900% | 2,547 |
| Retained earnings to average equity (ytd only) | 3.7640% | 3,334 |
| Net charge-offs to loans | 0.0040% | 1,843 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | 391.0000% | 281 |
| Efficiency ratio | 61.6030% | 2,744 |
| Assets per employee ($millions) | 6.4848% | 2,353 |
| Cash dividends to net income (ytd only)* | 65.1042% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 3,852 |
| Loan loss allowance to noncurrent loans | 1,084.3373% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 3,087 |
| Noncurrent loans to loans | 0.0830% | 3,149 |
| Net loans and leases to total assets | 84.9200% | 189 |
| Net loans and leases to deposits | 108.7240% | 207 |
| Net loans and leases to core deposits | 127.4122% | 313 |
| Total domestic deposits to total assets | 78.1100% | 3,997 |
| Equity capital to assets | 12.3022% | 916 |
| Core capital (leverage) ratio | 8.7270% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6402% | 2,982 |
| Memoranda: | ||
| Average total assets | $117,046,000 | 3,752 |
| Average earning assets | $107,855,000 | 3,739 |
| Average equity | $14,240,000 | 3,366 |
| Average total loans | $100,686,000 | 3,205 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 501 |
| Cost of funding earning assets | 0.8601% | 308 |
| Net interest margin | 3.8517% | 1,063 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.4158% | 2,377 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1502% | 1,972 |
| Return on assets (ROA) | 1.1502% | 1,916 |
| Pretax return on assets | 1.2665% | 2,214 |
| Return on Equity (ROE) | 9.5400% | 2,957 |
| Retained earnings to average equity (ytd only) | 2.9955% | 3,723 |
| Net charge-offs to loans | 0.0064% | 2,176 |
| Credit loss provision to net charge-offs | 1,183.3333% | 387 |
| Earnings coverage of net charge-offs (x) | 255.0000% | 544 |
| Efficiency ratio | 62.3464% | 2,716 |
| Assets per employee ($millions) | 6.5203% | 2,314 |
| Cash dividends to net income (ytd only)* | 68.6038% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 3,489 |
| Loan loss allowance to noncurrent loans | 4,120.8333% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,642 |
| Noncurrent loans to loans | 0.0237% | 3,627 |
| Net loans and leases to total assets | 85.5100% | 183 |
| Net loans and leases to deposits | 103.3288% | 326 |
| Net loans and leases to core deposits | 117.6715% | 411 |
| Total domestic deposits to total assets | 82.7500% | 3,475 |
| Equity capital to assets | 12.0308% | 924 |
| Core capital (leverage) ratio | 8.6611% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4378% | 3,034 |
| Memoranda: | ||
| Average total assets | $115,199,400 | 3,777 |
| Average earning assets | $106,031,800 | 3,774 |
| Average equity | $13,887,400 | 3,483 |
| Average total loans | $93,707,200 | 3,237 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5560% | 460 |
| Cost of funding earning assets | 0.7827% | 164 |
| Net interest margin | 3.7732% | 991 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.4862% | 2,054 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.9989% | 2,482 |
| Return on assets (ROA) | 0.9989% | 2,450 |
| Pretax return on assets | 1.1198% | 2,659 |
| Return on Equity (ROE) | 8.2800% | 3,247 |
| Retained earnings to average equity (ytd only) | 0.5495% | 4,268 |
| Net charge-offs to loans | 0.0073% | 1,876 |
| Credit loss provision to net charge-offs | 1,420.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 206.8000% | 610 |
| Efficiency ratio | 65.1009% | 2,397 |
| Assets per employee ($millions) | 5.4628% | 3,263 |
| Cash dividends to net income (ytd only)* | 93.3644% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,364 |
| Loan loss allowance to noncurrent loans | 4,125.0000% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 3,734 |
| Noncurrent loans to loans | 0.0249% | 3,725 |
| Net loans and leases to total assets | 83.3100% | 297 |
| Net loans and leases to deposits | 96.6391% | 522 |
| Net loans and leases to core deposits | 110.3966% | 458 |
| Total domestic deposits to total assets | 86.2100% | 3,018 |
| Equity capital to assets | 11.9291% | 901 |
| Core capital (leverage) ratio | 8.3551% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2549% | 3,107 |
| Memoranda: | ||
| Average total assets | $114,658,000 | 3,805 |
| Average earning assets | $105,441,750 | 3,801 |
| Average equity | $13,829,250 | 3,536 |
| Average total loans | $91,798,000 | 3,270 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3712% | 461 |
| Cost of funding earning assets | 0.7425% | 127 |
| Net interest margin | 3.6287% | 1,024 |
| Noninterest income to average assets | 0.1483% | 4,275 |
| Noninterest expense to average assets | 2.4669% | 2,033 |
| Loan and lease loss provision to assets | 0.1239% | 794 |
| Net operating income to assets | 0.7607% | 3,109 |
| Return on assets (ROA) | 0.7607% | 3,067 |
| Pretax return on assets | 0.8915% | 3,096 |
| Return on Equity (ROE) | 6.2836% | 3,504 |
| Retained earnings to average equity (ytd only) | 2.5365% | 3,609 |
| Net charge-offs to loans | 0.0111% | 1,572 |
| Credit loss provision to net charge-offs | 1,420.0000% | 320 |
| Earnings coverage of net charge-offs (x) | 116.4000% | 751 |
| Efficiency ratio | 68.3367% | 2,195 |
| Assets per employee ($millions) | 5.8166% | 2,901 |
| Cash dividends to net income (ytd only)* | 59.6330% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 77.9311% | 559 |
| Net loans and leases to deposits | 90.3859% | 696 |
| Net loans and leases to core deposits | 100.5947% | 651 |
| Total domestic deposits to total assets | 86.2204% | 3,189 |
| Equity capital to assets | 11.9530% | 893 |
| Core capital (leverage) ratio | 8.4455% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6842% | 3,051 |
| Memoranda: | ||
| Average total assets | $114,637,667 | 3,846 |
| Average earning assets | $105,325,667 | 3,853 |
| Average equity | $13,877,333 | 3,596 |
| Average total loans | $90,208,333 | 3,323 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3074% | 427 |
| Cost of funding earning assets | 0.7511% | 116 |
| Net interest margin | 3.5563% | 973 |
| Noninterest income to average assets | 0.1863% | 4,040 |
| Noninterest expense to average assets | 2.4817% | 1,925 |
| Loan and lease loss provision to assets | 0.1476% | 535 |
| Net operating income to assets | 0.6573% | 3,204 |
| Return on assets (ROA) | 0.6573% | 3,180 |
| Pretax return on assets | 0.8190% | 3,051 |
| Return on Equity (ROE) | 5.3955% | 3,514 |
| Retained earnings to average equity (ytd only) | -2.1063% | 4,256 |
| Net charge-offs to loans | 0.0045% | 1,599 |
| Credit loss provision to net charge-offs | 4,200.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 341 |
| Efficiency ratio | 69.4190% | 2,310 |
| Assets per employee ($millions) | 6.0571% | 2,757 |
| Cash dividends to net income (ytd only)* | 139.0374% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 3,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 77.6720% | 399 |
| Net loans and leases to deposits | 90.0807% | 508 |
| Net loans and leases to core deposits | 100.6814% | 491 |
| Total domestic deposits to total assets | 86.2248% | 3,184 |
| Equity capital to assets | 11.9417% | 979 |
| Core capital (leverage) ratio | 8.3423% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6908% | 3,072 |
| Memoranda: | ||
| Average total assets | $113,791,000 | 3,878 |
| Average earning assets | $104,379,500 | 3,880 |
| Average equity | $13,863,500 | 3,672 |
| Average total loans | $89,488,500 | 3,334 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 434 |
| Cost of funding earning assets | 0.9250% | 98 |
| Net interest margin | 3.7522% | 1,099 |
| Noninterest income to average assets | 0.1645% | 4,333 |
| Noninterest expense to average assets | 2.4314% | 2,390 |
| Loan and lease loss provision to assets | 0.1532% | 776 |
| Net operating income to assets | 0.9466% | 2,881 |
| Return on assets (ROA) | 0.9466% | 2,953 |
| Pretax return on assets | 1.0139% | 3,221 |
| Return on Equity (ROE) | 7.5252% | 3,365 |
| Retained earnings to average equity (ytd only) | 2.6892% | 3,767 |
| Net charge-offs to loans | 0.0050% | 2,419 |
| Credit loss provision to net charge-offs | 4,100.0000% | 171 |
| Earnings coverage of net charge-offs (x) | 312.2500% | 391 |
| Efficiency ratio | 64.9961% | 2,402 |
| Assets per employee ($millions) | 5.6249% | 3,140 |
| Cash dividends to net income (ytd only)* | 64.2646% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,762 |
| Loan loss allowance to noncurrent loans | 168.8931% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 1,414 |
| Noncurrent loans to loans | 0.5912% | 1,663 |
| Net loans and leases to total assets | 78.0023% | 375 |
| Net loans and leases to deposits | 91.0299% | 524 |
| Net loans and leases to core deposits | 101.8832% | 456 |
| Total domestic deposits to total assets | 85.6886% | 3,019 |
| Equity capital to assets | 12.4304% | 1,082 |
| Core capital (leverage) ratio | 8.6725% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8667% | 3,056 |
| Memoranda: | ||
| Average total assets | $107,016,600 | 3,921 |
| Average earning assets | $97,942,800 | 3,929 |
| Average equity | $13,461,400 | 3,793 |
| Average total loans | $80,792,800 | 3,470 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7273% | 463 |
| Cost of funding earning assets | 0.9609% | 102 |
| Net interest margin | 3.7664% | 1,197 |
| Noninterest income to average assets | 0.1754% | 4,328 |
| Noninterest expense to average assets | 2.4521% | 2,266 |
| Loan and lease loss provision to assets | 0.1013% | 1,187 |
| Net operating income to assets | 0.9970% | 2,920 |
| Return on assets (ROA) | 0.9970% | 2,983 |
| Pretax return on assets | 1.0652% | 3,285 |
| Return on Equity (ROE) | 7.9013% | 3,433 |
| Retained earnings to average equity (ytd only) | 2.1404% | 4,157 |
| Net charge-offs to loans | 0.0051% | 2,148 |
| Credit loss provision to net charge-offs | 2,666.6667% | 262 |
| Earnings coverage of net charge-offs (x) | 308.0000% | 426 |
| Efficiency ratio | 65.1901% | 2,221 |
| Assets per employee ($millions) | 4.9415% | 3,752 |
| Cash dividends to net income (ytd only)* | 72.9114% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 4,090 |
| Loan loss allowance to noncurrent loans | 541.2587% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 3,235 |
| Noncurrent loans to loans | 0.1708% | 3,262 |
| Net loans and leases to total assets | 76.2855% | 530 |
| Net loans and leases to deposits | 88.9591% | 658 |
| Net loans and leases to core deposits | 99.1583% | 621 |
| Total domestic deposits to total assets | 85.7534% | 2,841 |
| Equity capital to assets | 12.2753% | 1,273 |
| Core capital (leverage) ratio | 8.1189% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4468% | 3,112 |
| Memoranda: | ||
| Average total assets | $105,646,250 | 3,987 |
| Average earning assets | $96,571,250 | 3,994 |
| Average equity | $13,330,750 | 3,849 |
| Average total loans | $78,832,000 | 3,544 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8436% | 443 |
| Cost of funding earning assets | 0.9913% | 110 |
| Net interest margin | 3.8523% | 1,062 |
| Noninterest income to average assets | 0.1873% | 4,267 |
| Noninterest expense to average assets | 2.3933% | 2,487 |
| Loan and lease loss provision to assets | 0.1529% | 770 |
| Net operating income to assets | 1.0973% | 2,562 |
| Return on assets (ROA) | 1.0973% | 2,629 |
| Pretax return on assets | 1.1623% | 3,020 |
| Return on Equity (ROE) | 8.6147% | 3,224 |
| Retained earnings to average equity (ytd only) | 4.8627% | 3,237 |
| Net charge-offs to loans | 0.0078% | 1,852 |
| Credit loss provision to net charge-offs | 2,666.6667% | 227 |
| Earnings coverage of net charge-offs (x) | 229.3333% | 458 |
| Efficiency ratio | 61.9588% | 2,733 |
| Assets per employee ($millions) | 5.1848% | 3,475 |
| Cash dividends to net income (ytd only)* | 43.5540% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 4,090 |
| Loan loss allowance to noncurrent loans | 522.3776% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 3,367 |
| Noncurrent loans to loans | 0.1765% | 3,331 |
| Net loans and leases to total assets | 73.7282% | 785 |
| Net loans and leases to deposits | 87.9438% | 779 |
| Net loans and leases to core deposits | 98.0099% | 722 |
| Total domestic deposits to total assets | 83.8356% | 3,485 |
| Equity capital to assets | 12.3704% | 1,192 |
| Core capital (leverage) ratio | 8.4216% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6377% | 3,092 |
| Memoranda: | ||
| Average total assets | $104,623,667 | 4,018 |
| Average earning assets | $95,631,667 | 4,027 |
| Average equity | $13,326,000 | 3,862 |
| Average total loans | $77,207,000 | 3,596 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7435% | 535 |
| Cost of funding earning assets | 1.0375% | 111 |
| Net interest margin | 3.7060% | 1,321 |
| Noninterest income to average assets | 0.2264% | 4,027 |
| Noninterest expense to average assets | 2.2401% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3152% | 1,777 |
| Return on assets (ROA) | 1.3152% | 1,860 |
| Pretax return on assets | 1.3737% | 2,354 |
| Return on Equity (ROE) | 10.1701% | 2,639 |
| Retained earnings to average equity (ytd only) | 5.9452% | 2,919 |
| Net charge-offs to loans | 0.0053% | 1,718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 352.0000% | 261 |
| Efficiency ratio | 59.2873% | 3,114 |
| Assets per employee ($millions) | 5.4722% | 3,144 |
| Cash dividends to net income (ytd only)* | 41.5430% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 4,311 |
| Loan loss allowance to noncurrent loans | 448.2517% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 3,486 |
| Noncurrent loans to loans | 0.1880% | 3,430 |
| Net loans and leases to total assets | 72.5260% | 952 |
| Net loans and leases to deposits | 87.1907% | 876 |
| Net loans and leases to core deposits | 99.4789% | 733 |
| Total domestic deposits to total assets | 83.1809% | 3,643 |
| Equity capital to assets | 12.8295% | 966 |
| Core capital (leverage) ratio | 8.7607% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1547% | 3,051 |
| Memoranda: | ||
| Average total assets | $102,495,000 | 4,041 |
| Average earning assets | $93,685,500 | 4,054 |
| Average equity | $13,254,500 | 3,877 |
| Average total loans | $75,299,000 | 3,649 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9964% | 494 |
| Cost of funding earning assets | 1.2913% | 183 |
| Net interest margin | 3.7051% | 1,780 |
| Noninterest income to average assets | 0.2997% | 3,681 |
| Noninterest expense to average assets | 2.3190% | 3,355 |
| Loan and lease loss provision to assets | 0.0372% | 3,945 |
| Net operating income to assets | 1.2318% | 1,441 |
| Return on assets (ROA) | 1.2318% | 1,551 |
| Pretax return on assets | 1.3031% | 1,966 |
| Return on Equity (ROE) | 9.2903% | 2,286 |
| Retained earnings to average equity (ytd only) | 5.3934% | 2,098 |
| Net charge-offs to loans | 0.0027% | 3,287 |
| Credit loss provision to net charge-offs | 1,800.0000% | 476 |
| Earnings coverage of net charge-offs (x) | 648.5000% | 179 |
| Efficiency ratio | 60.8585% | 3,340 |
| Assets per employee ($millions) | 5.9423% | 2,392 |
| Cash dividends to net income (ytd only)* | 41.9463% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 4,436 |
| Loan loss allowance to noncurrent loans | 413.9860% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 3,585 |
| Noncurrent loans to loans | 0.1918% | 3,524 |
| Net loans and leases to total assets | 73.2130% | 1,128 |
| Net loans and leases to deposits | 88.3377% | 1,053 |
| Net loans and leases to core deposits | 102.0828% | 811 |
| Total domestic deposits to total assets | 82.8785% | 3,444 |
| Equity capital to assets | 13.0372% | 1,070 |
| Core capital (leverage) ratio | 8.4404% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3202% | 3,045 |
| Memoranda: | ||
| Average total assets | $96,766,400 | 4,039 |
| Average earning assets | $87,743,000 | 4,054 |
| Average equity | $12,830,600 | 3,877 |
| Average total loans | $73,041,800 | 3,671 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1156% | 486 |
| Cost of funding earning assets | 1.3328% | 211 |
| Net interest margin | 3.7828% | 1,673 |
| Noninterest income to average assets | 0.3525% | 3,343 |
| Noninterest expense to average assets | 2.3753% | 3,205 |
| Loan and lease loss provision to assets | 0.0376% | 3,882 |
| Net operating income to assets | 1.2942% | 1,367 |
| Return on assets (ROA) | 1.2942% | 1,467 |
| Pretax return on assets | 1.3639% | 1,840 |
| Return on Equity (ROE) | 9.7180% | 2,124 |
| Retained earnings to average equity (ytd only) | 5.6383% | 2,270 |
| Net charge-offs to loans | 0.0037% | 3,033 |
| Credit loss provision to net charge-offs | 1,350.0000% | 671 |
| Earnings coverage of net charge-offs (x) | 503.0000% | 227 |
| Efficiency ratio | 60.5681% | 3,291 |
| Assets per employee ($millions) | 6.0466% | 2,224 |
| Cash dividends to net income (ytd only)* | 41.9806% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7132% | 4,555 |
| Loan loss allowance to noncurrent loans | 211.2403% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 3,177 |
| Noncurrent loans to loans | 0.3376% | 3,071 |
| Net loans and leases to total assets | 73.8083% | 1,396 |
| Net loans and leases to deposits | 90.7513% | 1,191 |
| Net loans and leases to core deposits | 104.9074% | 885 |
| Total domestic deposits to total assets | 81.3303% | 3,583 |
| Equity capital to assets | 12.6615% | 1,347 |
| Core capital (leverage) ratio | 8.4192% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7643% | 3,104 |
| Memoranda: | ||
| Average total assets | $95,703,250 | 4,051 |
| Average earning assets | $86,634,500 | 4,076 |
| Average equity | $12,745,750 | 3,892 |
| Average total loans | $72,664,500 | 3,692 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1329% | 649 |
| Cost of funding earning assets | 1.3876% | 237 |
| Net interest margin | 3.7453% | 2,009 |
| Noninterest income to average assets | 0.4564% | 2,782 |
| Noninterest expense to average assets | 2.4405% | 3,142 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3328% | 1,273 |
| Return on assets (ROA) | 1.3328% | 1,372 |
| Pretax return on assets | 1.3992% | 1,731 |
| Return on Equity (ROE) | 9.8293% | 2,039 |
| Retained earnings to average equity (ytd only) | 8.5651% | 1,143 |
| Net charge-offs to loans | 0.0028% | 2,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 653.0000% | 152 |
| Efficiency ratio | 61.2165% | 3,246 |
| Assets per employee ($millions) | 5.2139% | 2,916 |
| Cash dividends to net income (ytd only)* | 12.8617% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6543% | 4,662 |
| Loan loss allowance to noncurrent loans | 334.9650% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 3,798 |
| Noncurrent loans to loans | 0.1953% | 3,677 |
| Net loans and leases to total assets | 73.4162% | 1,493 |
| Net loans and leases to deposits | 91.0569% | 1,258 |
| Net loans and leases to core deposits | 105.4869% | 911 |
| Total domestic deposits to total assets | 80.6267% | 3,697 |
| Equity capital to assets | 13.1329% | 1,107 |
| Core capital (leverage) ratio | 8.8202% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1808% | 3,139 |
| Memoranda: | ||
| Average total assets | $93,340,333 | 4,078 |
| Average earning assets | $84,318,333 | 4,104 |
| Average equity | $12,656,000 | 3,912 |
| Average total loans | $71,414,667 | 3,725 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3564% | 488 |
| Cost of funding earning assets | 1.4876% | 287 |
| Net interest margin | 3.8688% | 1,764 |
| Noninterest income to average assets | 0.1945% | 4,381 |
| Noninterest expense to average assets | 2.6481% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0301% | 2,077 |
| Return on assets (ROA) | 1.0301% | 2,176 |
| Pretax return on assets | 1.0301% | 2,737 |
| Return on Equity (ROE) | 7.4685% | 2,749 |
| Retained earnings to average equity (ytd only) | 4.9042% | 2,318 |
| Net charge-offs to loans | 0.0057% | 2,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 233.0000% | 299 |
| Efficiency ratio | 69.4712% | 2,433 |
| Assets per employee ($millions) | 4.7439% | 2,938 |
| Cash dividends to net income (ytd only)* | 34.3348% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5852% | 4,778 |
| Loan loss allowance to noncurrent loans | 81.4672% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5747% | 2,278 |
| Noncurrent loans to loans | 0.7183% | 2,201 |
| Net loans and leases to total assets | 79.5394% | 752 |
| Net loans and leases to deposits | 95.0860% | 990 |
| Net loans and leases to core deposits | 110.6888% | 819 |
| Total domestic deposits to total assets | 83.6499% | 2,905 |
| Equity capital to assets | 13.9437% | 1,077 |
| Core capital (leverage) ratio | 8.8210% | 4,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8159% | 3,352 |
| Memoranda: | ||
| Average total assets | $90,478,500 | 4,113 |
| Average earning assets | $81,472,000 | 4,147 |
| Average equity | $12,479,000 | 3,948 |
| Average total loans | $70,518,000 | 3,752 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3308% | 775 |
| Cost of funding earning assets | 1.3955% | 575 |
| Net interest margin | 3.9353% | 2,049 |
| Noninterest income to average assets | 0.2015% | 4,453 |
| Noninterest expense to average assets | 2.4773% | 3,510 |
| Loan and lease loss provision to assets | 0.0927% | 2,178 |
| Net operating income to assets | 1.0750% | 2,547 |
| Return on assets (ROA) | 1.0750% | 2,644 |
| Pretax return on assets | 1.1665% | 2,963 |
| Return on Equity (ROE) | 7.7023% | 3,291 |
| Retained earnings to average equity (ytd only) | 3.3385% | 3,341 |
| Net charge-offs to loans | 0.0030% | 3,576 |
| Credit loss provision to net charge-offs | 4,050.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 550.0000% | 175 |
| Efficiency ratio | 63.6949% | 3,118 |
| Assets per employee ($millions) | 4.5412% | 3,166 |
| Cash dividends to net income (ytd only)* | 56.6560% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5165% | 4,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 75.4941% | 1,505 |
| Net loans and leases to deposits | 89.9085% | 1,603 |
| Net loans and leases to core deposits | 104.3750% | 1,206 |
| Total domestic deposits to total assets | 83.9677% | 2,854 |
| Equity capital to assets | 13.6419% | 1,232 |
| Core capital (leverage) ratio | 8.7553% | 4,697 |
| Tier 1 risk-based capital ratio | 10.5404% | 5,007 |
| Total risk-based capital ratio | 11.0446% | 5,113 |
| Memoranda: | ||
| Average total assets | $87,351,600 | 4,181 |
| Average earning assets | $78,469,200 | 4,209 |
| Average equity | $12,191,200 | 3,974 |
| Average total loans | $67,519,800 | 3,822 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 834 |
| Cost of funding earning assets | 1.3587% | 661 |
| Net interest margin | 3.9575% | 2,077 |
| Noninterest income to average assets | 0.2143% | 4,443 |
| Noninterest expense to average assets | 2.4944% | 3,452 |
| Loan and lease loss provision to assets | 0.1110% | 1,760 |
| Net operating income to assets | 1.1223% | 2,485 |
| Return on assets (ROA) | 1.1223% | 2,576 |
| Pretax return on assets | 1.1609% | 3,098 |
| Return on Equity (ROE) | 7.9944% | 3,309 |
| Retained earnings to average equity (ytd only) | 3.5360% | 3,637 |
| Net charge-offs to loans | 0.0020% | 3,375 |
| Credit loss provision to net charge-offs | 7,200.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 827.0451% | 116 |
| Efficiency ratio | 63.6512% | 3,074 |
| Assets per employee ($millions) | 4.9311% | 2,633 |
| Cash dividends to net income (ytd only)* | 55.7694% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3863% | 5,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 77.2789% | 1,264 |
| Net loans and leases to deposits | 92.4072% | 1,389 |
| Net loans and leases to core deposits | 105.9794% | 1,187 |
| Total domestic deposits to total assets | 83.6287% | 2,960 |
| Equity capital to assets | 13.8611% | 1,209 |
| Core capital (leverage) ratio | 9.0354% | 4,610 |
| Tier 1 risk-based capital ratio | 10.8039% | 4,986 |
| Total risk-based capital ratio | 11.1904% | 5,150 |
| Memoranda: | ||
| Average total assets | $86,483,750 | 4,246 |
| Average earning assets | $77,623,250 | 4,269 |
| Average equity | $12,141,500 | 4,012 |
| Average total loans | $67,169,250 | 3,870 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2820% | 841 |
| Cost of funding earning assets | 1.3003% | 736 |
| Net interest margin | 3.9816% | 1,979 |
| Noninterest income to average assets | 0.2286% | 4,383 |
| Noninterest expense to average assets | 2.5897% | 3,216 |
| Loan and lease loss provision to assets | 0.1050% | 1,783 |
| Net operating income to assets | 1.1059% | 2,502 |
| Return on assets (ROA) | 1.1059% | 2,572 |
| Pretax return on assets | 1.1059% | 3,220 |
| Return on Equity (ROE) | 7.8427% | 3,357 |
| Retained earnings to average equity (ytd only) | 6.0723% | 2,248 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5617% | 2,879 |
| Assets per employee ($millions) | 5.0744% | 2,383 |
| Cash dividends to net income (ytd only)* | 22.5738% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2872% | 5,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 79.6893% | 937 |
| Net loans and leases to deposits | 95.8438% | 1,054 |
| Net loans and leases to core deposits | 108.3538% | 1,076 |
| Total domestic deposits to total assets | 83.1450% | 3,159 |
| Equity capital to assets | 14.3106% | 1,008 |
| Core capital (leverage) ratio | 9.1575% | 4,503 |
| Tier 1 risk-based capital ratio | 10.3704% | 5,150 |
| Total risk-based capital ratio | 10.6458% | 5,269 |
| Memoranda: | ||
| Average total assets | $85,725,330 | 4,288 |
| Average earning assets | $76,903,000 | 4,313 |
| Average equity | $12,087,670 | 4,034 |
| Average total loans | $66,606,330 | 3,914 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 943 |
| Cost of funding earning assets | 1.2324% | 820 |
| Net interest margin | 3.9479% | 2,027 |
| Noninterest income to average assets | 0.2949% | 3,905 |
| Noninterest expense to average assets | 2.7055% | 2,893 |
| Loan and lease loss provision to assets | 0.0843% | 2,013 |
| Net operating income to assets | 1.0438% | 2,683 |
| Return on assets (ROA) | 1.0438% | 2,725 |
| Pretax return on assets | 1.0438% | 3,300 |
| Return on Equity (ROE) | 7.4588% | 3,474 |
| Retained earnings to average equity (ytd only) | 3.8799% | 3,363 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0098% | 2,642 |
| Assets per employee ($millions) | 5.0644% | 2,442 |
| Cash dividends to net income (ytd only)* | 47.9821% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1210% | 5,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 78.6317% | 1,051 |
| Net loans and leases to deposits | 94.2843% | 1,142 |
| Net loans and leases to core deposits | 106.8432% | 1,115 |
| Total domestic deposits to total assets | 83.3986% | 3,256 |
| Equity capital to assets | 14.0438% | 1,022 |
| Core capital (leverage) ratio | 9.1152% | 4,557 |
| Tier 1 risk-based capital ratio | 10.1868% | 5,246 |
| Total risk-based capital ratio | 10.3030% | 5,337 |
| Memoranda: | ||
| Average total assets | $85,455,500 | 4,334 |
| Average earning assets | $76,597,000 | 4,360 |
| Average equity | $11,959,000 | 4,060 |
| Average total loans | $65,438,500 | 3,977 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0436% | 952 |
| Cost of funding earning assets | 0.9442% | 949 |
| Net interest margin | 4.0994% | 1,681 |
| Noninterest income to average assets | 0.2248% | 4,576 |
| Noninterest expense to average assets | 3.4218% | 1,117 |
| Loan and lease loss provision to assets | 0.0261% | 3,652 |
| Net operating income to assets | 0.5540% | 4,540 |
| Return on assets (ROA) | 0.5540% | 4,535 |
| Pretax return on assets | 0.5949% | 4,637 |
| Return on Equity (ROE) | 4.8326% | 4,495 |
| Retained earnings to average equity (ytd only) | -16.6432% | 5,363 |
| Net charge-offs to loans | -0.0016% | 4,214 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8710% | 662 |
| Assets per employee ($millions) | 4.4258% | 3,278 |
| Cash dividends to net income (ytd only)* | 444.3946% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 2,807 |
| Loan loss allowance to noncurrent loans | 9,100.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 4,857 |
| Noncurrent loans to loans | 0.0127% | 4,744 |
| Net loans and leases to total assets | 74.1693% | 1,910 |
| Net loans and leases to deposits | 85.8829% | 2,288 |
| Net loans and leases to core deposits | 95.0559% | 2,134 |
| Total domestic deposits to total assets | 86.3610% | 2,067 |
| Equity capital to assets | 13.4570% | 1,162 |
| Core capital (leverage) ratio | 8.7623% | 4,839 |
| Tier 1 risk-based capital ratio | 10.8071% | 5,063 |
| Total risk-based capital ratio | 11.9265% | 5,015 |
| Memoranda: | ||
| Average total assets | $80,512,400 | 4,425 |
| Average earning assets | $74,986,600 | 4,404 |
| Average equity | $9,229,000 | 4,430 |
| Average total loans | $63,913,800 | 4,004 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0258% | 893 |
| Cost of funding earning assets | 0.8971% | 934 |
| Net interest margin | 4.1287% | 1,549 |
| Noninterest income to average assets | 0.2445% | 4,512 |
| Noninterest expense to average assets | 3.6674% | 788 |
| Loan and lease loss provision to assets | 0.0352% | 3,303 |
| Net operating income to assets | 0.3634% | 5,006 |
| Return on assets (ROA) | 0.3634% | 5,007 |
| Pretax return on assets | 0.4187% | 5,018 |
| Return on Equity (ROE) | 3.3229% | 4,953 |
| Retained earnings to average equity (ytd only) | -27.0266% | 5,452 |
| Net charge-offs to loans | -0.0021% | 4,091 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9882% | 363 |
| Assets per employee ($millions) | 4.1150% | 3,705 |
| Cash dividends to net income (ytd only)* | 913.3515% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 2,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 73.1690% | 2,135 |
| Net loans and leases to deposits | 84.7892% | 2,503 |
| Net loans and leases to core deposits | 94.2156% | 2,268 |
| Total domestic deposits to total assets | 86.2952% | 2,058 |
| Equity capital to assets | 13.4965% | 1,135 |
| Core capital (leverage) ratio | 10.2114% | 3,394 |
| Tier 1 risk-based capital ratio | 10.7602% | 5,147 |
| Total risk-based capital ratio | 11.8236% | 5,135 |
| Memoranda: | ||
| Average total assets | $79,618,000 | 4,479 |
| Average earning assets | $74,759,500 | 4,451 |
| Average equity | $8,707,250 | 4,542 |
| Average total loans | $64,118,000 | 4,044 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9968% | 830 |
| Cost of funding earning assets | 0.8991% | 736 |
| Net interest margin | 4.0976% | 1,571 |
| Noninterest income to average assets | 0.2017% | 4,813 |
| Noninterest expense to average assets | 3.2578% | 1,418 |
| Loan and lease loss provision to assets | 0.0543% | 2,822 |
| Net operating income to assets | 0.5947% | 4,508 |
| Return on assets (ROA) | 0.5947% | 4,512 |
| Pretax return on assets | 0.8015% | 4,237 |
| Return on Equity (ROE) | 5.9570% | 4,257 |
| Retained earnings to average equity (ytd only) | -22.2481% | 5,496 |
| Net charge-offs to loans | -0.0031% | 4,015 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1955% | 1,096 |
| Assets per employee ($millions) | 3.5916% | 4,481 |
| Cash dividends to net income (ytd only)* | 473.4783% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 3,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 83.4602% | 526 |
| Net loans and leases to deposits | 92.3507% | 1,538 |
| Net loans and leases to core deposits | 103.6505% | 1,423 |
| Total domestic deposits to total assets | 90.3731% | 443 |
| Equity capital to assets | 9.4241% | 4,172 |
| Core capital (leverage) ratio | 9.2873% | 4,372 |
| Tier 1 risk-based capital ratio | 11.7909% | 4,627 |
| Total risk-based capital ratio | 13.0012% | 4,530 |
| Memoranda: | ||
| Average total assets | $77,352,330 | 4,563 |
| Average earning assets | $73,848,000 | 4,509 |
| Average equity | $7,722,000 | 4,741 |
| Average total loans | $64,171,330 | 4,065 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8587% | 957 |
| Cost of funding earning assets | 0.8873% | 641 |
| Net interest margin | 3.9714% | 1,810 |
| Noninterest income to average assets | 0.2452% | 4,533 |
| Noninterest expense to average assets | 3.2381% | 1,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5159% | 4,653 |
| Return on assets (ROA) | 0.5159% | 4,652 |
| Pretax return on assets | 0.8019% | 4,146 |
| Return on Equity (ROE) | 5.0318% | 4,478 |
| Retained earnings to average equity (ytd only) | 5.0318% | 3,157 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1517% | 1,118 |
| Assets per employee ($millions) | 3.3981% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 81.4154% | 738 |
| Net loans and leases to deposits | 91.1345% | 1,541 |
| Net loans and leases to core deposits | 104.0385% | 1,374 |
| Total domestic deposits to total assets | 89.3354% | 949 |
| Equity capital to assets | 10.3268% | 3,246 |
| Core capital (leverage) ratio | 10.3336% | 3,143 |
| Tier 1 risk-based capital ratio | 13.2894% | 3,790 |
| Total risk-based capital ratio | 14.4548% | 3,740 |
| Memoranda: | ||
| Average total assets | $78,316,500 | 4,600 |
| Average earning assets | $74,834,500 | 4,539 |
| Average equity | $8,029,000 | 4,740 |
| Average total loans | $64,418,000 | 4,085 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0995% | 534 |
| Cost of funding earning assets | 0.8634% | 454 |
| Net interest margin | 4.2361% | 1,111 |
| Noninterest income to average assets | 0.2239% | 4,805 |
| Noninterest expense to average assets | 3.0222% | 2,101 |
| Loan and lease loss provision to assets | 0.0129% | 4,032 |
| Net operating income to assets | 0.7552% | 3,368 |
| Return on assets (ROA) | 0.7552% | 3,407 |
| Pretax return on assets | 1.2223% | 2,675 |
| Return on Equity (ROE) | 7.2280% | 3,163 |
| Retained earnings to average equity (ytd only) | 0.0493% | 4,988 |
| Net charge-offs to loans | 0.0063% | 3,855 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 347 |
| Efficiency ratio | 70.9882% | 2,402 |
| Assets per employee ($millions) | 3.4120% | 4,814 |
| Cash dividends to net income (ytd only)* | 99.3186% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 3,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 81.2862% | 782 |
| Net loans and leases to deposits | 90.7553% | 1,684 |
| Net loans and leases to core deposits | 103.4493% | 1,451 |
| Total domestic deposits to total assets | 89.5664% | 745 |
| Equity capital to assets | 10.1775% | 3,517 |
| Core capital (leverage) ratio | 10.2679% | 3,107 |
| Tier 1 risk-based capital ratio | 13.1294% | 3,829 |
| Total risk-based capital ratio | 14.2954% | 3,781 |
| Memoranda: | ||
| Average total assets | $77,724,000 | 4,631 |
| Average earning assets | $74,007,600 | 4,580 |
| Average equity | $8,121,200 | 4,767 |
| Average total loans | $63,845,000 | 4,102 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0754% | 529 |
| Cost of funding earning assets | 0.8567% | 438 |
| Net interest margin | 4.2187% | 1,112 |
| Noninterest income to average assets | 0.2562% | 4,669 |
| Noninterest expense to average assets | 3.0145% | 2,075 |
| Loan and lease loss provision to assets | 0.0172% | 3,802 |
| Net operating income to assets | 0.7687% | 3,652 |
| Return on assets (ROA) | 0.7687% | 3,708 |
| Pretax return on assets | 1.2381% | 2,754 |
| Return on Equity (ROE) | 7.3085% | 3,489 |
| Retained earnings to average equity (ytd only) | -1.0791% | 5,360 |
| Net charge-offs to loans | 0.0042% | 3,584 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 364.5356% | 257 |
| Efficiency ratio | 70.6001% | 2,434 |
| Assets per employee ($millions) | 3.3125% | 4,956 |
| Cash dividends to net income (ytd only)* | 114.7637% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,473 |
| Loan loss allowance to noncurrent loans | 70,900.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,276 |
| Noncurrent loans to loans | 0.0016% | 5,161 |
| Net loans and leases to total assets | 83.5379% | 483 |
| Net loans and leases to deposits | 93.6355% | 1,335 |
| Net loans and leases to core deposits | 106.7278% | 1,220 |
| Total domestic deposits to total assets | 89.2160% | 775 |
| Equity capital to assets | 10.4112% | 3,465 |
| Core capital (leverage) ratio | 10.2050% | 3,308 |
| Tier 1 risk-based capital ratio | 12.9826% | 4,020 |
| Total risk-based capital ratio | 14.1494% | 3,985 |
| Memoranda: | ||
| Average total assets | $77,535,500 | 4,680 |
| Average earning assets | $73,765,250 | 4,632 |
| Average equity | $8,154,750 | 4,812 |
| Average total loans | $63,681,750 | 4,139 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8491% | 772 |
| Cost of funding earning assets | 0.8423% | 418 |
| Net interest margin | 4.0069% | 1,582 |
| Noninterest income to average assets | 0.2180% | 4,948 |
| Noninterest expense to average assets | 2.9621% | 2,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6719% | 3,969 |
| Return on assets (ROA) | 0.6719% | 4,031 |
| Pretax return on assets | 1.0746% | 3,284 |
| Return on Equity (ROE) | 6.3677% | 3,884 |
| Retained earnings to average equity (ytd only) | 6.3677% | 1,926 |
| Net charge-offs to loans | 0.0063% | 3,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 209.5000% | 399 |
| Efficiency ratio | 73.3799% | 2,111 |
| Assets per employee ($millions) | 3.7188% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 3,704 |
| Loan loss allowance to noncurrent loans | 96.1486% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 0.9309% | 1,886 |
| Noncurrent loans to loans | 1.1208% | 1,751 |
| Net loans and leases to total assets | 82.1664% | 645 |
| Net loans and leases to deposits | 93.4848% | 1,313 |
| Net loans and leases to core deposits | 106.8720% | 1,169 |
| Total domestic deposits to total assets | 87.8928% | 1,511 |
| Equity capital to assets | 10.5911% | 3,240 |
| Core capital (leverage) ratio | 10.5302% | 2,880 |
| Tier 1 risk-based capital ratio | 13.2693% | 3,825 |
| Total risk-based capital ratio | 14.3981% | 3,820 |
| Memoranda: | ||
| Average total assets | $77,985,000 | 4,703 |
| Average earning assets | $74,322,330 | 4,646 |
| Average equity | $8,229,000 | 4,820 |
| Average total loans | $63,457,670 | 4,160 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 1,042 |
| Cost of funding earning assets | 0.8185% | 439 |
| Net interest margin | 3.8232% | 2,034 |
| Noninterest income to average assets | 0.3901% | 3,738 |
| Noninterest expense to average assets | 3.0797% | 1,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5954% | 4,185 |
| Return on assets (ROA) | 0.5954% | 4,231 |
| Pretax return on assets | 0.9547% | 3,570 |
| Return on Equity (ROE) | 5.6530% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.6530% | 2,519 |
| Net charge-offs to loans | 0.0127% | 2,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 576 |
| Efficiency ratio | 76.3359% | 1,863 |
| Assets per employee ($millions) | 3.3952% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,748 |
| Loan loss allowance to noncurrent loans | 92.5828% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.9668% | 1,900 |
| Noncurrent loans to loans | 1.1802% | 1,719 |
| Net loans and leases to total assets | 81.0270% | 688 |
| Net loans and leases to deposits | 92.1743% | 1,312 |
| Net loans and leases to core deposits | 106.7916% | 1,046 |
| Total domestic deposits to total assets | 87.9063% | 1,768 |
| Equity capital to assets | 10.5788% | 3,093 |
| Core capital (leverage) ratio | 10.5206% | 2,881 |
| Tier 1 risk-based capital ratio | 13.0260% | 4,062 |
| Total risk-based capital ratio | 14.1372% | 4,048 |
| Memoranda: | ||
| Average total assets | $77,930,500 | 4,754 |
| Average earning assets | $74,282,500 | 4,697 |
| Average equity | $8,208,000 | 4,856 |
| Average total loans | $62,753,500 | 4,215 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 769 |
| Cost of funding earning assets | 0.8040% | 494 |
| Net interest margin | 4.0739% | 1,443 |
| Noninterest income to average assets | 0.2621% | 4,858 |
| Noninterest expense to average assets | 3.0057% | 2,333 |
| Loan and lease loss provision to assets | -0.0922% | 5,676 |
| Net operating income to assets | 0.8746% | 2,956 |
| Return on assets (ROA) | 0.8746% | 3,065 |
| Pretax return on assets | 1.2328% | 2,539 |
| Return on Equity (ROE) | 8.0203% | 2,920 |
| Retained earnings to average equity (ytd only) | 0.5435% | 5,110 |
| Net charge-offs to loans | -0.0033% | 4,755 |
| Credit loss provision to net charge-offs | 3,500.0000% | 125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4905% | 2,510 |
| Assets per employee ($millions) | 3.5350% | 4,706 |
| Cash dividends to net income (ytd only)* | 93.2229% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 3,495 |
| Loan loss allowance to noncurrent loans | 83.8517% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0750% | 1,752 |
| Noncurrent loans to loans | 1.3586% | 1,509 |
| Net loans and leases to total assets | 78.2207% | 1,171 |
| Net loans and leases to deposits | 88.7995% | 1,830 |
| Net loans and leases to core deposits | 102.4228% | 1,420 |
| Total domestic deposits to total assets | 88.0868% | 1,592 |
| Equity capital to assets | 10.4859% | 3,172 |
| Core capital (leverage) ratio | 10.3938% | 2,999 |
| Tier 1 risk-based capital ratio | 13.0565% | 4,031 |
| Total risk-based capital ratio | 14.1894% | 4,012 |
| Memoranda: | ||
| Average total assets | $75,921,800 | 4,817 |
| Average earning assets | $72,387,200 | 4,752 |
| Average equity | $8,279,000 | 4,889 |
| Average total loans | $60,699,000 | 4,275 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 783 |
| Cost of funding earning assets | 0.8021% | 500 |
| Net interest margin | 4.0625% | 1,494 |
| Noninterest income to average assets | 0.2774% | 4,783 |
| Noninterest expense to average assets | 3.1204% | 1,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6237% | 4,192 |
| Return on assets (ROA) | 0.6237% | 4,316 |
| Pretax return on assets | 1.0319% | 3,509 |
| Return on Equity (ROE) | 5.6637% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.3750% | 2,568 |
| Net charge-offs to loans | -0.0066% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1489% | 2,084 |
| Assets per employee ($millions) | 3.3134% | 5,028 |
| Cash dividends to net income (ytd only)* | 5.0993% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 3,108 |
| Loan loss allowance to noncurrent loans | 40.0000% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 2.5325% | 534 |
| Noncurrent loans to loans | 3.0570% | 481 |
| Net loans and leases to total assets | 81.8302% | 645 |
| Net loans and leases to deposits | 93.7140% | 1,289 |
| Net loans and leases to core deposits | 108.1397% | 1,041 |
| Total domestic deposits to total assets | 87.3191% | 1,754 |
| Equity capital to assets | 11.1115% | 2,909 |
| Core capital (leverage) ratio | 11.0662% | 2,383 |
| Tier 1 risk-based capital ratio | 13.4220% | 3,903 |
| Total risk-based capital ratio | 14.6601% | 3,823 |
| Memoranda: | ||
| Average total assets | $75,459,500 | 4,861 |
| Average earning assets | $71,973,750 | 4,798 |
| Average equity | $8,310,000 | 4,934 |
| Average total loans | $60,490,250 | 4,310 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8831% | 753 |
| Cost of funding earning assets | 0.7999% | 496 |
| Net interest margin | 4.0831% | 1,406 |
| Noninterest income to average assets | 0.2633% | 4,902 |
| Noninterest expense to average assets | 3.1751% | 1,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5983% | 4,279 |
| Return on assets (ROA) | 0.5983% | 4,399 |
| Pretax return on assets | 0.9839% | 3,641 |
| Return on Equity (ROE) | 5.4656% | 4,305 |
| Retained earnings to average equity (ytd only) | 4.5911% | 2,984 |
| Net charge-offs to loans | 0.0101% | 3,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 123.3333% | 478 |
| Efficiency ratio | 76.3427% | 2,036 |
| Assets per employee ($millions) | 3.5386% | 4,688 |
| Cash dividends to net income (ytd only)* | 16.0000% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 2,773 |
| Loan loss allowance to noncurrent loans | 35.5948% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 2.9255% | 426 |
| Noncurrent loans to loans | 3.6562% | 355 |
| Net loans and leases to total assets | 78.1755% | 1,177 |
| Net loans and leases to deposits | 88.2832% | 1,954 |
| Net loans and leases to core deposits | 102.0769% | 1,465 |
| Total domestic deposits to total assets | 88.5508% | 1,141 |
| Equity capital to assets | 11.2218% | 2,825 |
| Core capital (leverage) ratio | 10.9739% | 2,457 |
| Tier 1 risk-based capital ratio | 14.1053% | 3,543 |
| Total risk-based capital ratio | 15.3560% | 3,457 |
| Memoranda: | ||
| Average total assets | $75,209,670 | 4,906 |
| Average earning assets | $71,758,330 | 4,844 |
| Average equity | $8,233,330 | 4,988 |
| Average total loans | $59,609,000 | 4,365 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7834% | 888 |
| Cost of funding earning assets | 0.8037% | 487 |
| Net interest margin | 3.9797% | 1,673 |
| Noninterest income to average assets | 0.3119% | 4,503 |
| Noninterest expense to average assets | 3.2514% | 1,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3648% | 5,094 |
| Return on assets (ROA) | 0.3648% | 5,175 |
| Pretax return on assets | 0.8565% | 4,019 |
| Return on Equity (ROE) | 3.3739% | 5,109 |
| Retained earnings to average equity (ytd only) | 1.6136% | 4,628 |
| Net charge-offs to loans | 0.0133% | 2,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 632 |
| Efficiency ratio | 79.1506% | 1,720 |
| Assets per employee ($millions) | 3.5700% | 4,701 |
| Cash dividends to net income (ytd only)* | 52.1739% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 3,129 |
| Loan loss allowance to noncurrent loans | 35.6413% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 2.8998% | 446 |
| Noncurrent loans to loans | 3.5295% | 382 |
| Net loans and leases to total assets | 80.3031% | 772 |
| Net loans and leases to deposits | 90.5296% | 1,515 |
| Net loans and leases to core deposits | 103.3563% | 1,232 |
| Total domestic deposits to total assets | 88.7036% | 1,244 |
| Equity capital to assets | 10.9229% | 3,027 |
| Core capital (leverage) ratio | 10.7396% | 2,682 |
| Tier 1 risk-based capital ratio | 13.4409% | 4,016 |
| Total risk-based capital ratio | 14.6906% | 3,942 |
| Memoranda: | ||
| Average total assets | $75,659,000 | 4,944 |
| Average earning assets | $72,166,000 | 4,872 |
| Average equity | $8,180,500 | 5,024 |
| Average total loans | $59,984,000 | 4,370 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0583% | 560 |
| Cost of funding earning assets | 0.8206% | 439 |
| Net interest margin | 4.2377% | 1,085 |
| Noninterest income to average assets | 0.1769% | 5,526 |
| Noninterest expense to average assets | 3.3082% | 1,701 |
| Loan and lease loss provision to assets | -0.1678% | 5,948 |
| Net operating income to assets | 0.6914% | 3,857 |
| Return on assets (ROA) | 0.6947% | 3,946 |
| Pretax return on assets | 1.0928% | 3,095 |
| Return on Equity (ROE) | 6.4716% | 3,794 |
| Retained earnings to average equity (ytd only) | -0.3515% | 5,565 |
| Net charge-offs to loans | 0.0827% | 2,653 |
| Credit loss provision to net charge-offs | -263.2653% | 5,327 |
| Earnings coverage of net charge-offs (x) | 14.4286% | 2,296 |
| Efficiency ratio | 78.2462% | 1,933 |
| Assets per employee ($millions) | 3.4703% | 4,878 |
| Cash dividends to net income (ytd only)* | 105.4307% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 2,878 |
| Loan loss allowance to noncurrent loans | 784.6939% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 5,083 |
| Noncurrent loans to loans | 0.1661% | 4,823 |
| Net loans and leases to total assets | 76.2676% | 1,371 |
| Net loans and leases to deposits | 85.6521% | 2,169 |
| Net loans and leases to core deposits | 97.5965% | 1,705 |
| Total domestic deposits to total assets | 89.0434% | 1,100 |
| Equity capital to assets | 10.7038% | 3,131 |
| Core capital (leverage) ratio | 10.6232% | 2,806 |
| Tier 1 risk-based capital ratio | 14.2974% | 3,552 |
| Total risk-based capital ratio | 15.5485% | 3,466 |
| Memoranda: | ||
| Average total assets | $76,868,600 | 4,930 |
| Average earning assets | $73,483,800 | 4,869 |
| Average equity | $8,251,400 | 5,016 |
| Average total loans | $59,270,000 | 4,392 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0797% | 538 |
| Cost of funding earning assets | 0.8222% | 437 |
| Net interest margin | 4.2576% | 1,044 |
| Noninterest income to average assets | 0.1991% | 5,451 |
| Noninterest expense to average assets | 3.3558% | 1,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5997% | 4,387 |
| Return on assets (ROA) | 0.6043% | 4,469 |
| Pretax return on assets | 0.9212% | 3,910 |
| Return on Equity (ROE) | 5.6258% | 4,347 |
| Retained earnings to average equity (ytd only) | -3.4497% | 5,961 |
| Net charge-offs to loans | 0.1079% | 2,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.9997% | 2,540 |
| Efficiency ratio | 78.5888% | 1,877 |
| Assets per employee ($millions) | 3.3669% | 5,032 |
| Cash dividends to net income (ytd only)* | 161.3191% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 2,034 |
| Loan loss allowance to noncurrent loans | 568.9873% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 4,906 |
| Noncurrent loans to loans | 0.2689% | 4,618 |
| Net loans and leases to total assets | 78.1064% | 1,082 |
| Net loans and leases to deposits | 87.8348% | 1,926 |
| Net loans and leases to core deposits | 99.6006% | 1,549 |
| Total domestic deposits to total assets | 88.9243% | 1,066 |
| Equity capital to assets | 10.8300% | 3,210 |
| Core capital (leverage) ratio | 10.3800% | 3,178 |
| Tier 1 risk-based capital ratio | 14.5376% | 3,544 |
| Total risk-based capital ratio | 15.7936% | 3,459 |
| Memoranda: | ||
| Average total assets | $76,999,000 | 4,983 |
| Average earning assets | $73,624,250 | 4,918 |
| Average equity | $8,271,250 | 5,078 |
| Average total loans | $59,338,250 | 4,442 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9862% | 606 |
| Cost of funding earning assets | 0.8199% | 448 |
| Net interest margin | 4.1663% | 1,185 |
| Noninterest income to average assets | 0.1872% | 5,569 |
| Noninterest expense to average assets | 3.3601% | 1,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4976% | 4,778 |
| Return on assets (ROA) | 0.4976% | 4,884 |
| Pretax return on assets | 0.8156% | 4,273 |
| Return on Equity (ROE) | 4.6443% | 4,775 |
| Retained earnings to average equity (ytd only) | 3.8782% | 3,533 |
| Net charge-offs to loans | 0.0806% | 2,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 2,145 |
| Efficiency ratio | 80.4668% | 1,695 |
| Assets per employee ($millions) | 3.3003% | 5,165 |
| Cash dividends to net income (ytd only)* | 16.4948% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 2,096 |
| Loan loss allowance to noncurrent loans | 650.0000% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 5,149 |
| Noncurrent loans to loans | 0.2375% | 4,812 |
| Net loans and leases to total assets | 74.3195% | 1,610 |
| Net loans and leases to deposits | 83.3716% | 2,393 |
| Net loans and leases to core deposits | 94.2551% | 1,933 |
| Total domestic deposits to total assets | 89.1425% | 1,075 |
| Equity capital to assets | 10.6252% | 3,293 |
| Core capital (leverage) ratio | 10.6367% | 2,811 |
| Tier 1 risk-based capital ratio | 15.0051% | 3,355 |
| Total risk-based capital ratio | 16.2604% | 3,285 |
| Memoranda: | ||
| Average total assets | $77,974,670 | 5,019 |
| Average earning assets | $74,646,330 | 4,947 |
| Average equity | $8,354,330 | 5,087 |
| Average total loans | $59,533,000 | 4,482 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 658 |
| Cost of funding earning assets | 0.8265% | 436 |
| Net interest margin | 4.0999% | 1,277 |
| Noninterest income to average assets | 0.1861% | 5,595 |
| Noninterest expense to average assets | 3.6350% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3258% | 5,320 |
| Return on assets (ROA) | 0.3258% | 5,432 |
| Pretax return on assets | 0.4757% | 5,246 |
| Return on Equity (ROE) | 3.0276% | 5,367 |
| Retained earnings to average equity (ytd only) | 2.8353% | 4,269 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4277% | 983 |
| Assets per employee ($millions) | 3.2393% | 5,341 |
| Cash dividends to net income (ytd only)* | 6.3492% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 2,081 |
| Loan loss allowance to noncurrent loans | 809.4017% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 5,351 |
| Noncurrent loans to loans | 0.1966% | 5,073 |
| Net loans and leases to total assets | 75.3396% | 1,302 |
| Net loans and leases to deposits | 84.5707% | 1,998 |
| Net loans and leases to core deposits | 95.8076% | 1,632 |
| Total domestic deposits to total assets | 89.0847% | 1,213 |
| Equity capital to assets | 10.7404% | 3,277 |
| Core capital (leverage) ratio | 10.5193% | 2,935 |
| Tier 1 risk-based capital ratio | 15.2395% | 3,297 |
| Total risk-based capital ratio | 16.4950% | 3,220 |
| Memoranda: | ||
| Average total assets | $77,358,000 | 5,084 |
| Average earning assets | $74,051,000 | 5,002 |
| Average equity | $8,323,500 | 5,136 |
| Average total loans | $59,404,500 | 4,509 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2335% | 489 |
| Cost of funding earning assets | 0.8816% | 437 |
| Net interest margin | 4.3520% | 966 |
| Noninterest income to average assets | 0.2790% | 5,120 |
| Noninterest expense to average assets | 2.9093% | 3,121 |
| Loan and lease loss provision to assets | 0.1322% | 1,977 |
| Net operating income to assets | 0.8781% | 2,984 |
| Return on assets (ROA) | 0.8781% | 3,069 |
| Pretax return on assets | 1.3502% | 2,078 |
| Return on Equity (ROE) | 8.1428% | 3,051 |
| Retained earnings to average equity (ytd only) | 1.2754% | 5,204 |
| Net charge-offs to loans | -0.0476% | 5,923 |
| Credit loss provision to net charge-offs | -357.1429% | 5,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2451% | 4,210 |
| Assets per employee ($millions) | 3.4987% | 4,906 |
| Cash dividends to net income (ytd only)* | 84.3373% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 2,101 |
| Loan loss allowance to noncurrent loans | 802.5424% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 5,414 |
| Noncurrent loans to loans | 0.1990% | 5,108 |
| Net loans and leases to total assets | 75.7977% | 1,297 |
| Net loans and leases to deposits | 85.0506% | 2,091 |
| Net loans and leases to core deposits | 95.0103% | 1,813 |
| Total domestic deposits to total assets | 89.1207% | 1,163 |
| Equity capital to assets | 10.7792% | 3,145 |
| Core capital (leverage) ratio | 10.4364% | 3,015 |
| Tier 1 risk-based capital ratio | 15.3978% | 3,275 |
| Total risk-based capital ratio | 16.6546% | 3,215 |
| Memoranda: | ||
| Average total assets | $75,619,400 | 5,160 |
| Average earning assets | $71,462,200 | 5,095 |
| Average equity | $8,154,400 | 5,168 |
| Average total loans | $58,786,800 | 4,526 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2692% | 461 |
| Cost of funding earning assets | 0.8854% | 451 |
| Net interest margin | 4.3838% | 906 |
| Noninterest income to average assets | 0.2958% | 5,086 |
| Noninterest expense to average assets | 2.9099% | 3,083 |
| Loan and lease loss provision to assets | 0.1771% | 1,389 |
| Net operating income to assets | 0.9121% | 2,855 |
| Return on assets (ROA) | 0.9121% | 2,955 |
| Pretax return on assets | 1.3390% | 2,239 |
| Return on Equity (ROE) | 8.4576% | 2,964 |
| Retained earnings to average equity (ytd only) | -0.6898% | 5,905 |
| Net charge-offs to loans | -0.0114% | 5,457 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7463% | 4,251 |
| Assets per employee ($millions) | 3.1456% | 5,524 |
| Cash dividends to net income (ytd only)* | 108.1555% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 2,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 78.2409% | 932 |
| Net loans and leases to deposits | 87.9761% | 1,675 |
| Net loans and leases to core deposits | 97.9195% | 1,529 |
| Total domestic deposits to total assets | 88.9344% | 1,277 |
| Equity capital to assets | 10.8630% | 3,111 |
| Core capital (leverage) ratio | 10.5429% | 2,993 |
| Tier 1 risk-based capital ratio | 15.1280% | 3,515 |
| Total risk-based capital ratio | 16.3827% | 3,452 |
| Memoranda: | ||
| Average total assets | $75,281,250 | 5,223 |
| Average earning assets | $70,926,000 | 5,159 |
| Average equity | $8,118,750 | 5,215 |
| Average total loans | $58,661,000 | 4,567 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2016% | 509 |
| Cost of funding earning assets | 0.8873% | 460 |
| Net interest margin | 4.3144% | 994 |
| Noninterest income to average assets | 0.3032% | 4,983 |
| Noninterest expense to average assets | 2.9757% | 2,918 |
| Loan and lease loss provision to assets | 0.1330% | 1,864 |
| Net operating income to assets | 0.8004% | 3,334 |
| Return on assets (ROA) | 0.8004% | 3,436 |
| Pretax return on assets | 1.2419% | 2,493 |
| Return on Equity (ROE) | 7.4401% | 3,396 |
| Retained earnings to average equity (ytd only) | -5.0919% | 6,242 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3985% | 3,938 |
| Assets per employee ($millions) | 3.1476% | 5,513 |
| Cash dividends to net income (ytd only)* | 168.4385% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4613% | 3,067 |
| Loan loss allowance to noncurrent loans | 520.3593% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 5,444 |
| Noncurrent loans to loans | 0.2808% | 5,177 |
| Net loans and leases to total assets | 77.5677% | 965 |
| Net loans and leases to deposits | 87.0981% | 1,699 |
| Net loans and leases to core deposits | 95.2317% | 1,666 |
| Total domestic deposits to total assets | 89.0579% | 1,321 |
| Equity capital to assets | 10.6800% | 3,219 |
| Core capital (leverage) ratio | 10.2732% | 3,240 |
| Tier 1 risk-based capital ratio | 14.7225% | 3,796 |
| Total risk-based capital ratio | 15.9776% | 3,745 |
| Memoranda: | ||
| Average total assets | $75,210,000 | 5,268 |
| Average earning assets | $70,554,670 | 5,208 |
| Average equity | $8,091,330 | 5,255 |
| Average total loans | $58,217,330 | 4,602 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2896% | 413 |
| Cost of funding earning assets | 0.8902% | 480 |
| Net interest margin | 4.3994% | 810 |
| Noninterest income to average assets | 0.2025% | 5,734 |
| Noninterest expense to average assets | 3.0489% | 2,701 |
| Loan and lease loss provision to assets | 0.1066% | 2,143 |
| Net operating income to assets | 0.7196% | 3,585 |
| Return on assets (ROA) | 0.7196% | 3,670 |
| Pretax return on assets | 1.1300% | 2,773 |
| Return on Equity (ROE) | 6.6642% | 3,653 |
| Retained earnings to average equity (ytd only) | -18.4129% | 6,509 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1443% | 3,634 |
| Assets per employee ($millions) | 3.4570% | 5,015 |
| Cash dividends to net income (ytd only)* | 376.2963% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4613% | 3,325 |
| Loan loss allowance to noncurrent loans | 201.1990% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 4,069 |
| Noncurrent loans to loans | 0.7263% | 4,049 |
| Net loans and leases to total assets | 74.3879% | 1,210 |
| Net loans and leases to deposits | 83.4083% | 1,891 |
| Net loans and leases to core deposits | 88.2550% | 2,062 |
| Total domestic deposits to total assets | 89.1853% | 1,542 |
| Equity capital to assets | 10.4084% | 3,345 |
| Core capital (leverage) ratio | 10.1452% | 3,358 |
| Tier 1 risk-based capital ratio | 14.5405% | 3,985 |
| Total risk-based capital ratio | 15.7304% | 3,972 |
| Memoranda: | ||
| Average total assets | $75,043,500 | 5,318 |
| Average earning assets | $69,646,000 | 5,279 |
| Average equity | $8,103,000 | 5,261 |
| Average total loans | $57,593,000 | 4,667 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5279% | 347 |
| Cost of funding earning assets | 0.9068% | 709 |
| Net interest margin | 4.6211% | 586 |
| Noninterest income to average assets | 0.2762% | 5,379 |
| Noninterest expense to average assets | 2.7930% | 3,750 |
| Loan and lease loss provision to assets | 0.2776% | 1,255 |
| Net operating income to assets | 0.9773% | 2,432 |
| Return on assets (ROA) | 0.9773% | 2,501 |
| Pretax return on assets | 1.5631% | 1,260 |
| Return on Equity (ROE) | 8.8156% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.4400% | 923 |
| Net charge-offs to loans | 0.2067% | 2,808 |
| Credit loss provision to net charge-offs | 172.4138% | 1,326 |
| Earnings coverage of net charge-offs (x) | 11.4310% | 2,243 |
| Efficiency ratio | 60.2756% | 5,434 |
| Assets per employee ($millions) | 3.3651% | 5,168 |
| Cash dividends to net income (ytd only)* | 4.2614% | 4,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 3,561 |
| Loan loss allowance to noncurrent loans | 195.9330% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 4,153 |
| Noncurrent loans to loans | 0.7235% | 4,159 |
| Net loans and leases to total assets | 76.9292% | 962 |
| Net loans and leases to deposits | 87.0934% | 1,562 |
| Net loans and leases to core deposits | 91.8730% | 1,806 |
| Total domestic deposits to total assets | 88.3295% | 1,988 |
| Equity capital to assets | 11.1977% | 2,432 |
| Core capital (leverage) ratio | 10.8349% | 2,541 |
| Tier 1 risk-based capital ratio | 15.4511% | 3,404 |
| Total risk-based capital ratio | 16.6780% | 3,366 |
| Memoranda: | ||
| Average total assets | $72,038,200 | 5,414 |
| Average earning assets | $67,927,800 | 5,350 |
| Average equity | $7,985,800 | 5,337 |
| Average total loans | $56,112,800 | 4,747 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4920% | 379 |
| Cost of funding earning assets | 0.9025% | 805 |
| Net interest margin | 4.5894% | 632 |
| Noninterest income to average assets | 0.3150% | 5,183 |
| Noninterest expense to average assets | 2.6782% | 4,101 |
| Loan and lease loss provision to assets | 0.3355% | 979 |
| Net operating income to assets | 1.0306% | 2,256 |
| Return on assets (ROA) | 1.0306% | 2,337 |
| Pretax return on assets | 1.6513% | 1,213 |
| Return on Equity (ROE) | 9.3215% | 2,475 |
| Retained earnings to average equity (ytd only) | 8.8160% | 1,117 |
| Net charge-offs to loans | 0.1245% | 3,291 |
| Credit loss provision to net charge-offs | 346.1538% | 747 |
| Earnings coverage of net charge-offs (x) | 20.5005% | 1,589 |
| Efficiency ratio | 57.4111% | 5,754 |
| Assets per employee ($millions) | 3.1597% | 5,570 |
| Cash dividends to net income (ytd only)* | 5.4251% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 3,633 |
| Loan loss allowance to noncurrent loans | 173.1463% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.8256% | 4,044 |
| Noncurrent loans to loans | 0.8442% | 4,136 |
| Net loans and leases to total assets | 80.1453% | 529 |
| Net loans and leases to deposits | 90.7439% | 1,085 |
| Net loans and leases to core deposits | 95.1606% | 1,458 |
| Total domestic deposits to total assets | 88.3203% | 1,931 |
| Equity capital to assets | 11.1912% | 2,573 |
| Core capital (leverage) ratio | 10.8029% | 2,666 |
| Tier 1 risk-based capital ratio | 15.2151% | 3,616 |
| Total risk-based capital ratio | 16.4699% | 3,571 |
| Memoranda: | ||
| Average total assets | $71,539,500 | 5,489 |
| Average earning assets | $67,806,250 | 5,411 |
| Average equity | $7,909,750 | 5,419 |
| Average total loans | $55,698,000 | 4,800 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3735% | 464 |
| Cost of funding earning assets | 0.8986% | 908 |
| Net interest margin | 4.4750% | 746 |
| Noninterest income to average assets | 0.3429% | 4,943 |
| Noninterest expense to average assets | 2.6391% | 4,252 |
| Loan and lease loss provision to assets | 0.3373% | 1,013 |
| Net operating income to assets | 1.0315% | 2,194 |
| Return on assets (ROA) | 1.0315% | 2,312 |
| Pretax return on assets | 1.6076% | 1,350 |
| Return on Equity (ROE) | 9.3678% | 2,468 |
| Retained earnings to average equity (ytd only) | 8.9849% | 1,124 |
| Net charge-offs to loans | 0.1833% | 2,660 |
| Credit loss provision to net charge-offs | 240.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | 13.8400% | 1,869 |
| Efficiency ratio | 57.5720% | 5,790 |
| Assets per employee ($millions) | 3.3119% | 5,243 |
| Cash dividends to net income (ytd only)* | 4.0872% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 3,933 |
| Loan loss allowance to noncurrent loans | 244.6809% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 4,774 |
| Noncurrent loans to loans | 0.5816% | 4,807 |
| Net loans and leases to total assets | 76.5337% | 921 |
| Net loans and leases to deposits | 86.2939% | 1,546 |
| Net loans and leases to core deposits | 90.4452% | 1,870 |
| Total domestic deposits to total assets | 88.6896% | 1,784 |
| Equity capital to assets | 10.8987% | 2,849 |
| Core capital (leverage) ratio | 10.8143% | 2,543 |
| Tier 1 risk-based capital ratio | 15.0327% | 3,758 |
| Total risk-based capital ratio | 16.3044% | 3,710 |
| Memoranda: | ||
| Average total assets | $71,161,670 | 5,535 |
| Average earning assets | $67,441,670 | 5,461 |
| Average equity | $7,835,330 | 5,470 |
| Average total loans | $54,561,330 | 4,865 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3446% | 464 |
| Cost of funding earning assets | 0.9188% | 896 |
| Net interest margin | 4.4258% | 770 |
| Noninterest income to average assets | 0.4608% | 4,043 |
| Noninterest expense to average assets | 2.5999% | 4,406 |
| Loan and lease loss provision to assets | 0.3413% | 976 |
| Net operating income to assets | 1.0809% | 1,932 |
| Return on assets (ROA) | 1.0809% | 2,038 |
| Pretax return on assets | 1.7124% | 1,046 |
| Return on Equity (ROE) | 9.7655% | 2,153 |
| Retained earnings to average equity (ytd only) | 9.5599% | 1,227 |
| Net charge-offs to loans | -0.0075% | 5,357 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8680% | 6,073 |
| Assets per employee ($millions) | 3.2811% | 5,475 |
| Cash dividends to net income (ytd only)* | 2.1053% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 3,814 |
| Loan loss allowance to noncurrent loans | 212.2667% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.6908% | 4,647 |
| Noncurrent loans to loans | 0.7081% | 4,710 |
| Net loans and leases to total assets | 75.7064% | 877 |
| Net loans and leases to deposits | 85.9983% | 1,353 |
| Net loans and leases to core deposits | 89.6258% | 1,736 |
| Total domestic deposits to total assets | 88.0325% | 2,289 |
| Equity capital to assets | 11.4378% | 2,475 |
| Core capital (leverage) ratio | 10.7724% | 2,481 |
| Tier 1 risk-based capital ratio | 15.0556% | 3,797 |
| Total risk-based capital ratio | 16.3093% | 3,751 |
| Memoranda: | ||
| Average total assets | $70,311,500 | 5,617 |
| Average earning assets | $66,609,000 | 5,526 |
| Average equity | $7,782,500 | 5,550 |
| Average total loans | $53,557,500 | 4,929 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5139% | 603 |
| Cost of funding earning assets | 1.0713% | 1,019 |
| Net interest margin | 4.4426% | 1,066 |
| Noninterest income to average assets | 0.3928% | 4,662 |
| Noninterest expense to average assets | 2.9231% | 3,554 |
| Loan and lease loss provision to assets | 0.2416% | 2,716 |
| Net operating income to assets | 0.9086% | 2,776 |
| Return on assets (ROA) | 0.9086% | 3,014 |
| Pretax return on assets | 1.4141% | 1,996 |
| Return on Equity (ROE) | 8.3193% | 2,951 |
| Retained earnings to average equity (ytd only) | 4.5193% | 3,046 |
| Net charge-offs to loans | 0.3393% | 2,938 |
| Credit loss provision to net charge-offs | 98.1928% | 3,161 |
| Earnings coverage of net charge-offs (x) | 6.7289% | 2,758 |
| Efficiency ratio | 63.8394% | 4,914 |
| Assets per employee ($millions) | 3.4152% | 5,179 |
| Cash dividends to net income (ytd only)* | 45.6770% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 4,357 |
| Loan loss allowance to noncurrent loans | 194.1953% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 4,808 |
| Noncurrent loans to loans | 0.6998% | 4,789 |
| Net loans and leases to total assets | 74.4827% | 1,126 |
| Net loans and leases to deposits | 85.4704% | 1,582 |
| Net loans and leases to core deposits | 87.8515% | 2,106 |
| Total domestic deposits to total assets | 87.1445% | 2,743 |
| Equity capital to assets | 10.7139% | 3,265 |
| Core capital (leverage) ratio | 10.4867% | 2,781 |
| Tier 1 risk-based capital ratio | 14.2561% | 4,199 |
| Total risk-based capital ratio | 15.5085% | 4,155 |
| Memoranda: | ||
| Average total assets | $67,463,200 | 5,694 |
| Average earning assets | $63,566,600 | 5,619 |
| Average equity | $7,368,400 | 5,674 |
| Average total loans | $48,931,400 | 5,145 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5088% | 667 |
| Cost of funding earning assets | 1.1239% | 966 |
| Net interest margin | 4.3849% | 1,239 |
| Noninterest income to average assets | 0.3896% | 4,714 |
| Noninterest expense to average assets | 3.1486% | 2,726 |
| Loan and lease loss provision to assets | 0.2369% | 2,683 |
| Net operating income to assets | 0.7671% | 3,618 |
| Return on assets (ROA) | 0.7671% | 3,871 |
| Pretax return on assets | 1.1325% | 3,221 |
| Return on Equity (ROE) | 6.9870% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.0482% | 3,336 |
| Net charge-offs to loans | 0.4675% | 2,234 |
| Credit loss provision to net charge-offs | 70.6587% | 3,885 |
| Earnings coverage of net charge-offs (x) | 4.0838% | 3,410 |
| Efficiency ratio | 69.6889% | 3,752 |
| Assets per employee ($millions) | 3.0123% | 6,033 |
| Cash dividends to net income (ytd only)* | 27.7488% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 4,535 |
| Loan loss allowance to noncurrent loans | 184.0000% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 4,891 |
| Noncurrent loans to loans | 0.7401% | 4,938 |
| Net loans and leases to total assets | 75.4191% | 1,060 |
| Net loans and leases to deposits | 85.7439% | 1,631 |
| Net loans and leases to core deposits | 88.2651% | 2,185 |
| Total domestic deposits to total assets | 87.9585% | 2,067 |
| Equity capital to assets | 11.4756% | 2,772 |
| Core capital (leverage) ratio | 10.9494% | 2,445 |
| Tier 1 risk-based capital ratio | 15.0668% | 3,803 |
| Total risk-based capital ratio | 16.3175% | 3,755 |
| Memoranda: | ||
| Average total assets | $66,399,000 | 5,798 |
| Average earning assets | $62,516,250 | 5,719 |
| Average equity | $7,289,500 | 5,749 |
| Average total loans | $47,625,500 | 5,249 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4103% | 852 |
| Cost of funding earning assets | 1.1820% | 888 |
| Net interest margin | 4.2283% | 1,672 |
| Noninterest income to average assets | 0.1896% | 6,201 |
| Noninterest expense to average assets | 3.1276% | 2,823 |
| Loan and lease loss provision to assets | 0.2197% | 2,881 |
| Net operating income to assets | 0.5719% | 4,490 |
| Return on assets (ROA) | 0.5719% | 4,764 |
| Pretax return on assets | 0.8158% | 4,421 |
| Return on Equity (ROE) | 5.2893% | 4,671 |
| Retained earnings to average equity (ytd only) | 2.8395% | 4,735 |
| Net charge-offs to loans | 0.7080% | 1,564 |
| Credit loss provision to net charge-offs | 44.2424% | 4,165 |
| Earnings coverage of net charge-offs (x) | 2.0848% | 3,946 |
| Efficiency ratio | 75.1265% | 2,876 |
| Assets per employee ($millions) | 3.0226% | 6,019 |
| Cash dividends to net income (ytd only)* | 46.3158% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 5,011 |
| Loan loss allowance to noncurrent loans | 69.2719% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.9941% | 2,786 |
| Noncurrent loans to loans | 1.8412% | 3,163 |
| Net loans and leases to total assets | 75.3117% | 1,062 |
| Net loans and leases to deposits | 84.9317% | 1,727 |
| Net loans and leases to core deposits | 88.6623% | 2,130 |
| Total domestic deposits to total assets | 88.6732% | 1,725 |
| Equity capital to assets | 10.9719% | 3,151 |
| Core capital (leverage) ratio | 10.6213% | 2,695 |
| Tier 1 risk-based capital ratio | 14.0568% | 4,404 |
| Total risk-based capital ratio | 15.3064% | 4,372 |
| Memoranda: | ||
| Average total assets | $66,441,670 | 5,831 |
| Average earning assets | $62,436,000 | 5,752 |
| Average equity | $7,184,330 | 5,789 |
| Average total loans | $46,610,330 | 5,320 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0763% | 1,647 |
| Cost of funding earning assets | 1.2562% | 758 |
| Net interest margin | 3.8200% | 3,292 |
| Noninterest income to average assets | 0.0843% | 6,804 |
| Noninterest expense to average assets | 2.9693% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4878% | 4,880 |
| Return on assets (ROA) | 0.4878% | 5,081 |
| Pretax return on assets | 0.7047% | 4,774 |
| Return on Equity (ROE) | 4.5451% | 5,017 |
| Retained earnings to average equity (ytd only) | 0.6734% | 5,792 |
| Net charge-offs to loans | -0.0090% | 5,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8197% | 2,105 |
| Assets per employee ($millions) | 2.8613% | 6,416 |
| Cash dividends to net income (ytd only)* | 85.1852% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 3,676 |
| Loan loss allowance to noncurrent loans | 67.2727% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 2.2671% | 2,628 |
| Noncurrent loans to loans | 2.3975% | 2,706 |
| Net loans and leases to total assets | 68.5944% | 2,009 |
| Net loans and leases to deposits | 77.3191% | 2,625 |
| Net loans and leases to core deposits | 80.7361% | 2,977 |
| Total domestic deposits to total assets | 88.7160% | 1,876 |
| Equity capital to assets | 10.9771% | 2,931 |
| Core capital (leverage) ratio | 10.4693% | 2,786 |
| Tier 1 risk-based capital ratio | 14.9848% | 3,770 |
| Total risk-based capital ratio | 16.1448% | 3,793 |
| Memoranda: | ||
| Average total assets | $66,414,000 | 5,870 |
| Average earning assets | $62,408,000 | 5,799 |
| Average equity | $7,128,500 | 5,829 |
| Average total loans | $44,552,000 | 5,445 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6635% | 840 |
| Cost of funding earning assets | 1.5733% | 528 |
| Net interest margin | 4.0902% | 2,465 |
| Noninterest income to average assets | 0.6561% | 2,849 |
| Noninterest expense to average assets | 3.1596% | 3,001 |
| Loan and lease loss provision to assets | 0.3024% | 3,250 |
| Net operating income to assets | 0.7483% | 3,268 |
| Return on assets (ROA) | 0.7483% | 3,434 |
| Pretax return on assets | 1.0144% | 3,188 |
| Return on Equity (ROE) | 7.0646% | 3,377 |
| Retained earnings to average equity (ytd only) | 3.5680% | 3,694 |
| Net charge-offs to loans | 0.1852% | 4,662 |
| Credit loss provision to net charge-offs | 238.0952% | 1,020 |
| Earnings coverage of net charge-offs (x) | 10.3690% | 1,845 |
| Efficiency ratio | 70.5843% | 3,832 |
| Assets per employee ($millions) | 3.1913% | 5,728 |
| Cash dividends to net income (ytd only)* | 49.4949% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 3,165 |
| Loan loss allowance to noncurrent loans | 113.8675% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.6473% | 3,481 |
| Noncurrent loans to loans | 1.5016% | 3,893 |
| Net loans and leases to total assets | 63.3904% | 3,311 |
| Net loans and leases to deposits | 71.6432% | 3,855 |
| Net loans and leases to core deposits | 75.4945% | 4,045 |
| Total domestic deposits to total assets | 88.4807% | 1,864 |
| Equity capital to assets | 10.4942% | 3,542 |
| Core capital (leverage) ratio | 10.4443% | 2,797 |
| Tier 1 risk-based capital ratio | 14.8576% | 3,722 |
| Total risk-based capital ratio | 16.0974% | 3,704 |
| Memoranda: | ||
| Average total assets | $66,147,800 | 5,861 |
| Average earning assets | $61,782,000 | 5,808 |
| Average equity | $7,006,800 | 5,862 |
| Average total loans | $45,345,800 | 5,450 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7945% | 707 |
| Cost of funding earning assets | 1.6252% | 523 |
| Net interest margin | 4.1693% | 2,210 |
| Noninterest income to average assets | 0.7604% | 2,259 |
| Noninterest expense to average assets | 3.3206% | 2,432 |
| Loan and lease loss provision to assets | 0.3640% | 2,679 |
| Net operating income to assets | 0.7442% | 3,412 |
| Return on assets (ROA) | 0.7442% | 3,578 |
| Pretax return on assets | 0.9666% | 3,530 |
| Return on Equity (ROE) | 7.0090% | 3,524 |
| Retained earnings to average equity (ytd only) | 4.3426% | 3,639 |
| Net charge-offs to loans | 0.2441% | 3,899 |
| Credit loss provision to net charge-offs | 214.2857% | 1,345 |
| Earnings coverage of net charge-offs (x) | 7.8331% | 2,289 |
| Efficiency ratio | 71.3913% | 3,668 |
| Assets per employee ($millions) | 2.9890% | 6,144 |
| Cash dividends to net income (ytd only)* | 38.0434% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 3,477 |
| Loan loss allowance to noncurrent loans | 110.7858% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 1.6789% | 3,571 |
| Noncurrent loans to loans | 1.4827% | 4,076 |
| Net loans and leases to total assets | 65.4694% | 3,012 |
| Net loans and leases to deposits | 73.7558% | 3,689 |
| Net loans and leases to core deposits | 77.6789% | 3,954 |
| Total domestic deposits to total assets | 88.7650% | 1,570 |
| Equity capital to assets | 10.7605% | 3,411 |
| Core capital (leverage) ratio | 10.5022% | 2,866 |
| Tier 1 risk-based capital ratio | 13.9968% | 4,354 |
| Total risk-based capital ratio | 15.2685% | 4,315 |
| Memoranda: | ||
| Average total assets | $65,930,250 | 5,910 |
| Average earning assets | $61,528,250 | 5,855 |
| Average equity | $7,000,250 | 5,904 |
| Average total loans | $45,876,750 | 5,473 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7628% | 779 |
| Cost of funding earning assets | 1.6549% | 560 |
| Net interest margin | 4.1079% | 2,380 |
| Noninterest income to average assets | 0.9002% | 1,644 |
| Noninterest expense to average assets | 3.3794% | 2,319 |
| Loan and lease loss provision to assets | 0.3940% | 2,443 |
| Net operating income to assets | 0.7304% | 3,384 |
| Return on assets (ROA) | 0.7304% | 3,499 |
| Pretax return on assets | 0.9487% | 3,436 |
| Return on Equity (ROE) | 6.9104% | 3,486 |
| Retained earnings to average equity (ytd only) | 5.7634% | 2,561 |
| Net charge-offs to loans | 0.1374% | 4,372 |
| Credit loss provision to net charge-offs | 406.2500% | 737 |
| Earnings coverage of net charge-offs (x) | 13.8438% | 1,517 |
| Efficiency ratio | 71.5661% | 3,819 |
| Assets per employee ($millions) | 2.8797% | 6,337 |
| Cash dividends to net income (ytd only)* | 16.5975% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 4,056 |
| Loan loss allowance to noncurrent loans | 1,310.9091% | 295 |
| Noncurrent assets plus other real estate owned to assets | 1.2003% | 4,491 |
| Noncurrent loans to loans | 0.1157% | 6,687 |
| Net loans and leases to total assets | 70.6963% | 2,072 |
| Net loans and leases to deposits | 80.4858% | 2,710 |
| Net loans and leases to core deposits | 84.8940% | 3,088 |
| Total domestic deposits to total assets | 87.8371% | 2,256 |
| Equity capital to assets | 10.8539% | 3,126 |
| Core capital (leverage) ratio | 10.2735% | 2,957 |
| Tier 1 risk-based capital ratio | 12.3581% | 5,471 |
| Total risk-based capital ratio | 13.6259% | 5,433 |
| Memoranda: | ||
| Average total assets | $65,987,330 | 5,961 |
| Average earning assets | $61,393,670 | 5,915 |
| Average equity | $6,975,000 | 5,933 |
| Average total loans | $46,578,670 | 5,495 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6136% | 1,029 |
| Cost of funding earning assets | 1.6664% | 639 |
| Net interest margin | 3.9472% | 2,927 |
| Noninterest income to average assets | 0.3705% | 4,946 |
| Noninterest expense to average assets | 3.0062% | 3,625 |
| Loan and lease loss provision to assets | 0.3765% | 2,306 |
| Net operating income to assets | 0.3401% | 5,225 |
| Return on assets (ROA) | 0.3401% | 5,302 |
| Pretax return on assets | 0.6559% | 4,469 |
| Return on Equity (ROE) | 3.2615% | 5,256 |
| Retained earnings to average equity (ytd only) | 2.0967% | 4,880 |
| Net charge-offs to loans | -0.0087% | 6,333 |
| Credit loss provision to net charge-offs | -6,200.0000% | 6,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4361% | 3,435 |
| Assets per employee ($millions) | 2.9901% | 6,160 |
| Cash dividends to net income (ytd only)* | 35.7143% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 4,289 |
| Loan loss allowance to noncurrent loans | 374.8634% | 831 |
| Noncurrent assets plus other real estate owned to assets | 1.5156% | 3,979 |
| Noncurrent loans to loans | 0.3956% | 6,203 |
| Net loans and leases to total assets | 69.2743% | 2,270 |
| Net loans and leases to deposits | 81.3445% | 2,470 |
| Net loans and leases to core deposits | 84.5486% | 3,092 |
| Total domestic deposits to total assets | 85.1616% | 3,966 |
| Equity capital to assets | 10.5196% | 3,159 |
| Core capital (leverage) ratio | 10.2871% | 2,816 |
| Tier 1 risk-based capital ratio | 11.9994% | 5,692 |
| Total risk-based capital ratio | 13.2221% | 5,709 |
| Memoranda: | ||
| Average total assets | $65,864,000 | 5,997 |
| Average earning assets | $61,208,500 | 5,960 |
| Average equity | $6,868,000 | 5,967 |
| Average total loans | $46,095,000 | 5,557 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3378% | 429 |
| Cost of funding earning assets | 1.7718% | 1,287 |
| Net interest margin | 4.5659% | 1,089 |
| Noninterest income to average assets | 0.4497% | 4,516 |
| Noninterest expense to average assets | 3.4128% | 2,403 |
| Loan and lease loss provision to assets | 0.3604% | 3,960 |
| Net operating income to assets | 0.5500% | 3,889 |
| Return on assets (ROA) | 0.6300% | 3,695 |
| Pretax return on assets | 1.0148% | 2,880 |
| Return on Equity (ROE) | 5.6654% | 3,748 |
| Retained earnings to average equity (ytd only) | 3.0225% | 3,731 |
| Net charge-offs to loans | 0.6713% | 2,995 |
| Credit loss provision to net charge-offs | 70.7006% | 5,846 |
| Earnings coverage of net charge-offs (x) | 2.4522% | 3,902 |
| Efficiency ratio | 73.1894% | 3,560 |
| Assets per employee ($millions) | 2.9975% | 6,105 |
| Cash dividends to net income (ytd only)* | 46.6495% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 4,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2343% | 4,554 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 68.7092% | 2,811 |
| Net loans and leases to deposits | 80.4142% | 3,093 |
| Net loans and leases to core deposits | 83.3597% | 3,692 |
| Total domestic deposits to total assets | 85.4442% | 3,635 |
| Equity capital to assets | 10.3357% | 3,344 |
| Core capital (leverage) ratio | 10.3054% | 2,768 |
| Tier 1 risk-based capital ratio | 12.0045% | 5,468 |
| Total risk-based capital ratio | 13.1209% | 5,586 |
| Memoranda: | ||
| Average total assets | $61,590,800 | 6,146 |
| Average earning assets | $56,834,000 | 6,106 |
| Average equity | $6,848,600 | 6,088 |
| Average total loans | $46,774,800 | 5,607 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4961% | 346 |
| Cost of funding earning assets | 1.7867% | 1,470 |
| Net interest margin | 4.7094% | 829 |
| Noninterest income to average assets | 0.4407% | 4,630 |
| Noninterest expense to average assets | 3.4026% | 2,283 |
| Loan and lease loss provision to assets | 0.3570% | 3,760 |
| Net operating income to assets | 0.7191% | 3,324 |
| Return on assets (ROA) | 0.8396% | 2,974 |
| Pretax return on assets | 1.1900% | 2,527 |
| Return on Equity (ROE) | 7.4086% | 3,147 |
| Retained earnings to average equity (ytd only) | 6.0279% | 2,339 |
| Net charge-offs to loans | 0.7974% | 2,452 |
| Credit loss provision to net charge-offs | 57.6512% | 5,754 |
| Earnings coverage of net charge-offs (x) | 2.2242% | 4,062 |
| Efficiency ratio | 71.1849% | 3,854 |
| Assets per employee ($millions) | 2.5846% | 6,966 |
| Cash dividends to net income (ytd only)* | 18.6342% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 5,188 |
| Loan loss allowance to noncurrent loans | 100.5059% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.7717% | 3,787 |
| Noncurrent loans to loans | 1.2498% | 4,764 |
| Net loans and leases to total assets | 75.5284% | 1,488 |
| Net loans and leases to deposits | 89.9770% | 1,722 |
| Net loans and leases to core deposits | 92.6953% | 2,699 |
| Total domestic deposits to total assets | 83.9419% | 4,161 |
| Equity capital to assets | 11.3975% | 2,606 |
| Core capital (leverage) ratio | 10.5320% | 2,653 |
| Tier 1 risk-based capital ratio | 11.5858% | 5,842 |
| Total risk-based capital ratio | 12.6009% | 6,047 |
| Memoranda: | ||
| Average total assets | $60,502,000 | 6,250 |
| Average earning assets | $55,745,250 | 6,206 |
| Average equity | $6,856,750 | 6,162 |
| Average total loans | $46,985,000 | 5,676 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7165% | 239 |
| Cost of funding earning assets | 1.7908% | 1,677 |
| Net interest margin | 4.9257% | 506 |
| Noninterest income to average assets | 0.4667% | 4,386 |
| Noninterest expense to average assets | 3.3638% | 2,360 |
| Loan and lease loss provision to assets | 0.2400% | 4,513 |
| Net operating income to assets | 0.9605% | 2,330 |
| Return on assets (ROA) | 1.1401% | 1,791 |
| Pretax return on assets | 1.6402% | 1,187 |
| Return on Equity (ROE) | 10.0801% | 2,084 |
| Retained earnings to average equity (ytd only) | 8.5180% | 1,259 |
| Net charge-offs to loans | 0.0598% | 5,555 |
| Credit loss provision to net charge-offs | 514.2857% | 721 |
| Earnings coverage of net charge-offs (x) | 34.7857% | 817 |
| Efficiency ratio | 67.4465% | 4,683 |
| Assets per employee ($millions) | 2.7770% | 6,623 |
| Cash dividends to net income (ytd only)* | 15.4971% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6214% | 3,363 |
| Loan loss allowance to noncurrent loans | 82.8694% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 2.2310% | 3,222 |
| Noncurrent loans to loans | 1.9566% | 3,777 |
| Net loans and leases to total assets | 76.8672% | 1,313 |
| Net loans and leases to deposits | 91.4067% | 1,631 |
| Net loans and leases to core deposits | 94.1934% | 2,686 |
| Total domestic deposits to total assets | 84.0936% | 4,073 |
| Equity capital to assets | 11.3364% | 2,562 |
| Core capital (leverage) ratio | 11.2038% | 2,103 |
| Tier 1 risk-based capital ratio | 11.9476% | 5,355 |
| Total risk-based capital ratio | 13.1894% | 5,336 |
| Memoranda: | ||
| Average total assets | $59,992,330 | 6,304 |
| Average earning assets | $55,058,670 | 6,277 |
| Average equity | $6,785,670 | 6,209 |
| Average total loans | $46,831,000 | 5,727 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9121% | 195 |
| Cost of funding earning assets | 1.7980% | 1,883 |
| Net interest margin | 5.1141% | 339 |
| Noninterest income to average assets | 0.5114% | 3,961 |
| Noninterest expense to average assets | 3.2301% | 2,759 |
| Loan and lease loss provision to assets | 0.2423% | 4,110 |
| Net operating income to assets | 1.1373% | 1,717 |
| Return on assets (ROA) | 1.1373% | 1,791 |
| Pretax return on assets | 1.7093% | 1,044 |
| Return on Equity (ROE) | 10.0663% | 2,079 |
| Retained earnings to average equity (ytd only) | 8.8750% | 1,433 |
| Net charge-offs to loans | 0.0259% | 5,207 |
| Credit loss provision to net charge-offs | 1,200.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 96.6667% | 335 |
| Efficiency ratio | 62.3377% | 5,767 |
| Assets per employee ($millions) | 2.5848% | 7,072 |
| Cash dividends to net income (ytd only)* | 11.8343% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 3,467 |
| Loan loss allowance to noncurrent loans | 77.8356% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 2.3802% | 3,049 |
| Noncurrent loans to loans | 2.0493% | 3,720 |
| Net loans and leases to total assets | 77.6198% | 1,217 |
| Net loans and leases to deposits | 92.3362% | 1,565 |
| Net loans and leases to core deposits | 95.2189% | 2,676 |
| Total domestic deposits to total assets | 84.0622% | 4,116 |
| Equity capital to assets | 11.4500% | 2,404 |
| Core capital (leverage) ratio | 11.4465% | 1,943 |
| Tier 1 risk-based capital ratio | 11.7886% | 5,409 |
| Total risk-based capital ratio | 13.0450% | 5,342 |
| Memoranda: | ||
| Average total assets | $59,441,000 | 6,408 |
| Average earning assets | $54,281,500 | 6,385 |
| Average equity | $6,715,500 | 6,282 |
| Average total loans | $46,378,500 | 5,823 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4002% | 830 |
| Cost of funding earning assets | 2.1161% | 2,388 |
| Net interest margin | 4.2840% | 1,768 |
| Noninterest income to average assets | 0.6249% | 3,460 |
| Noninterest expense to average assets | 3.6668% | 1,987 |
| Loan and lease loss provision to assets | 0.6304% | 3,284 |
| Net operating income to assets | 0.2422% | 4,751 |
| Return on assets (ROA) | 0.3125% | 4,575 |
| Pretax return on assets | 0.3658% | 4,592 |
| Return on Equity (ROE) | 3.0096% | 4,493 |
| Retained earnings to average equity (ytd only) | 1.5933% | 3,964 |
| Net charge-offs to loans | 0.8229% | 2,765 |
| Credit loss provision to net charge-offs | 96.8927% | 5,734 |
| Earnings coverage of net charge-offs (x) | 1.4040% | 4,724 |
| Efficiency ratio | 80.0562% | 2,884 |
| Assets per employee ($millions) | 2.5840% | 7,064 |
| Cash dividends to net income (ytd only)* | 47.0588% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5590% | 3,441 |
| Loan loss allowance to noncurrent loans | 61.7444% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 2.5777% | 2,720 |
| Noncurrent loans to loans | 2.5249% | 3,025 |
| Net loans and leases to total assets | 75.9675% | 1,807 |
| Net loans and leases to deposits | 90.1898% | 2,190 |
| Net loans and leases to core deposits | 109.4017% | 2,963 |
| Total domestic deposits to total assets | 84.2307% | 3,926 |
| Equity capital to assets | 11.1455% | 2,585 |
| Core capital (leverage) ratio | 11.3478% | 2,007 |
| Tier 1 risk-based capital ratio | 11.8918% | 5,033 |
| Total risk-based capital ratio | 13.1425% | 4,995 |
| Memoranda: | ||
| Average total assets | $54,407,400 | 6,547 |
| Average earning assets | $50,233,000 | 6,522 |
| Average equity | $5,648,600 | 6,725 |
| Average total loans | $43,018,000 | 5,980 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3876% | 948 |
| Cost of funding earning assets | 2.1517% | 2,639 |
| Net interest margin | 4.2359% | 1,923 |
| Noninterest income to average assets | 0.6296% | 3,499 |
| Noninterest expense to average assets | 3.5972% | 2,030 |
| Loan and lease loss provision to assets | 0.7099% | 2,602 |
| Net operating income to assets | 0.2333% | 5,048 |
| Return on assets (ROA) | 0.2333% | 5,127 |
| Pretax return on assets | 0.2584% | 5,173 |
| Return on Equity (ROE) | 2.2943% | 5,063 |
| Retained earnings to average equity (ytd only) | 2.2943% | 4,043 |
| Net charge-offs to loans | 1.1314% | 1,775 |
| Credit loss provision to net charge-offs | 78.8301% | 5,793 |
| Earnings coverage of net charge-offs (x) | 1.0752% | 4,979 |
| Efficiency ratio | 78.7912% | 3,036 |
| Assets per employee ($millions) | 2.3107% | 7,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 3,515 |
| Loan loss allowance to noncurrent loans | 49.5811% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 3.0420% | 2,275 |
| Noncurrent loans to loans | 2.9987% | 2,517 |
| Net loans and leases to total assets | 77.7792% | 1,616 |
| Net loans and leases to deposits | 93.5317% | 1,960 |
| Net loans and leases to core deposits | 116.4556% | 2,575 |
| Total domestic deposits to total assets | 83.1581% | 4,145 |
| Equity capital to assets | 11.9841% | 2,244 |
| Core capital (leverage) ratio | 11.8322% | 1,880 |
| Tier 1 risk-based capital ratio | 13.5831% | 3,787 |
| Total risk-based capital ratio | 14.8185% | 3,735 |
| Memoranda: | ||
| Average total assets | $53,151,250 | 6,632 |
| Average earning assets | $49,386,250 | 6,598 |
| Average equity | $5,404,750 | 6,871 |
| Average total loans | $42,306,500 | 6,056 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3887% | 1,030 |
| Cost of funding earning assets | 2.2488% | 2,583 |
| Net interest margin | 4.1399% | 2,193 |
| Noninterest income to average assets | 0.6109% | 3,600 |
| Noninterest expense to average assets | 3.3866% | 2,667 |
| Loan and lease loss provision to assets | 0.0687% | 6,514 |
| Net operating income to assets | 0.6567% | 3,441 |
| Return on assets (ROA) | 0.6567% | 3,551 |
| Pretax return on assets | 1.0003% | 3,010 |
| Return on Equity (ROE) | 6.8924% | 3,254 |
| Retained earnings to average equity (ytd only) | 6.8924% | 1,626 |
| Net charge-offs to loans | 1.3010% | 1,419 |
| Credit loss provision to net charge-offs | 6.6176% | 6,206 |
| Earnings coverage of net charge-offs (x) | 1.0294% | 4,760 |
| Efficiency ratio | 76.0069% | 3,685 |
| Assets per employee ($millions) | 2.4877% | 7,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,630 |
| Loan loss allowance to noncurrent loans | 25.1064% | 6,840 |
| Noncurrent assets plus other real estate owned to assets | 4.0709% | 1,441 |
| Noncurrent loans to loans | 4.3671% | 1,485 |
| Net loans and leases to total assets | 77.7946% | 1,796 |
| Net loans and leases to deposits | 91.0816% | 2,635 |
| Net loans and leases to core deposits | 114.2792% | 2,880 |
| Total domestic deposits to total assets | 85.4120% | 3,057 |
| Equity capital to assets | 9.4208% | 4,717 |
| Core capital (leverage) ratio | 9.7187% | 3,609 |
| Tier 1 risk-based capital ratio | 10.7492% | 6,136 |
| Total risk-based capital ratio | 11.7488% | 6,325 |
| Memoranda: | ||
| Average total assets | $52,382,670 | 6,729 |
| Average earning assets | $48,648,670 | 6,685 |
| Average equity | $4,991,000 | 7,065 |
| Average total loans | $41,813,670 | 6,118 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1993% | 1,605 |
| Cost of funding earning assets | 2.3720% | 2,406 |
| Net interest margin | 3.8272% | 3,352 |
| Noninterest income to average assets | 0.5702% | 3,759 |
| Noninterest expense to average assets | 3.2104% | 2,941 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6561% | 3,771 |
| Return on assets (ROA) | 0.6561% | 3,951 |
| Pretax return on assets | 0.9139% | 3,667 |
| Return on Equity (ROE) | 6.8453% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.8453% | 2,266 |
| Net charge-offs to loans | 2.4177% | 595 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.4699% | 4,613 |
| Efficiency ratio | 77.8409% | 3,193 |
| Assets per employee ($millions) | 2.6682% | 6,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 5,063 |
| Loan loss allowance to noncurrent loans | 27.7648% | 6,708 |
| Noncurrent assets plus other real estate owned to assets | 3.3888% | 1,606 |
| Noncurrent loans to loans | 4.1719% | 1,428 |
| Net loans and leases to total assets | 80.2884% | 1,328 |
| Net loans and leases to deposits | 89.4906% | 3,013 |
| Net loans and leases to core deposits | 110.3990% | 3,381 |
| Total domestic deposits to total assets | 89.7171% | 924 |
| Equity capital to assets | 9.7976% | 4,242 |
| Core capital (leverage) ratio | 9.7580% | 3,682 |
| Tier 1 risk-based capital ratio | 11.5388% | 5,366 |
| Total risk-based capital ratio | 12.6423% | 5,412 |
| Memoranda: | ||
| Average total assets | $51,209,000 | 6,810 |
| Average earning assets | $47,554,000 | 6,765 |
| Average equity | $4,908,500 | 7,143 |
| Average total loans | $41,196,000 | 6,182 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8097% | 1,646 |
| Cost of funding earning assets | 3.1087% | 1,478 |
| Net interest margin | 3.7010% | 4,468 |
| Noninterest income to average assets | 0.4993% | 4,616 |
| Noninterest expense to average assets | 3.1663% | 3,465 |
| Loan and lease loss provision to assets | 0.2376% | 4,526 |
| Net operating income to assets | 0.3953% | 5,168 |
| Return on assets (ROA) | 0.3953% | 4,985 |
| Pretax return on assets | 0.5401% | 4,881 |
| Return on Equity (ROE) | 4.4231% | 4,631 |
| Retained earnings to average equity (ytd only) | 2.7619% | 3,464 |
| Net charge-offs to loans | -0.0520% | 8,031 |
| Credit loss provision to net charge-offs | -581.8182% | 7,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2824% | 2,556 |
| Assets per employee ($millions) | 2.7222% | 6,732 |
| Cash dividends to net income (ytd only)* | 37.5587% | 3,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 1,735 |
| Loan loss allowance to noncurrent loans | 59.5570% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 2.3568% | 2,061 |
| Noncurrent loans to loans | 2.9579% | 1,816 |
| Net loans and leases to total assets | 78.2762% | 2,056 |
| Net loans and leases to deposits | 86.9227% | 3,966 |
| Net loans and leases to core deposits | 108.1443% | 3,950 |
| Total domestic deposits to total assets | 90.0526% | 631 |
| Equity capital to assets | 9.3771% | 4,849 |
| Core capital (leverage) ratio | 9.4645% | 4,061 |
| Tier 1 risk-based capital ratio | 11.2510% | 5,487 |
| Total risk-based capital ratio | 12.5287% | 5,348 |
| Memoranda: | ||
| Average total assets | $53,879,400 | 6,625 |
| Average earning assets | $50,148,800 | 6,584 |
| Average equity | $4,815,600 | 7,204 |
| Average total loans | $42,346,600 | 6,056 |