Home > Oklahoma State Bank > Performance and Condition Ratios
Oklahoma State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9448% | 237 |
| Cost of funding earning assets | 0.9539% | 3,399 |
| Net interest margin | 5.9909% | 110 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 3.4110% | 646 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 2.8977% | 173 |
| Return on assets (ROA) | 2.8977% | 172 |
| Pretax return on assets | 2.8977% | 222 |
| Return on Equity (ROE) | 26.9500% | 255 |
| Retained earnings to average equity (ytd only) | 0.7773% | 3,880 |
| Net charge-offs to loans | -0.0055% | 3,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.7634% | 3,694 |
| Assets per employee ($millions) | 3.2530% | 4,340 |
| Cash dividends to net income (ytd only)* | 97.1160% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 3,649 |
| Loan loss allowance to noncurrent loans | 1,005.5556% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,165 |
| Noncurrent loans to loans | 0.0915% | 3,084 |
| Net loans and leases to total assets | 66.5700% | 2,191 |
| Net loans and leases to deposits | 74.4997% | 2,583 |
| Net loans and leases to core deposits | 78.3324% | 2,811 |
| Total domestic deposits to total assets | 89.3600% | 962 |
| Equity capital to assets | 10.4775% | 1,733 |
| Core capital (leverage) ratio | 10.5570% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0159% | 1,271 |
| Memoranda: | ||
| Average total assets | $58,633,000 | 4,225 |
| Average earning assets | $56,085,000 | 4,187 |
| Average equity | $6,303,600 | 4,130 |
| Average total loans | $36,519,800 | 4,047 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9197% | 209 |
| Cost of funding earning assets | 0.8557% | 3,385 |
| Net interest margin | 6.0639% | 99 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 3.3712% | 653 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.9938% | 180 |
| Return on assets (ROA) | 2.9938% | 182 |
| Pretax return on assets | 2.9938% | 237 |
| Return on Equity (ROE) | 27.6700% | 287 |
| Retained earnings to average equity (ytd only) | 14.0143% | 669 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.5700% | 3,712 |
| Assets per employee ($millions) | 3.1998% | 4,371 |
| Cash dividends to net income (ytd only)* | 49.3546% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,110 |
| Loan loss allowance to noncurrent loans | 305.0847% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 2,240 |
| Noncurrent loans to loans | 0.3447% | 1,990 |
| Net loans and leases to total assets | 58.8200% | 2,959 |
| Net loans and leases to deposits | 66.8185% | 3,064 |
| Net loans and leases to core deposits | 71.5127% | 3,130 |
| Total domestic deposits to total assets | 88.0300% | 1,564 |
| Equity capital to assets | 11.7248% | 1,120 |
| Core capital (leverage) ratio | 11.5854% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1153% | 800 |
| Memoranda: | ||
| Average total assets | $58,652,750 | 4,238 |
| Average earning assets | $56,090,000 | 4,204 |
| Average equity | $6,345,750 | 4,138 |
| Average total loans | $35,814,500 | 4,074 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2284% | 338 |
| Cost of funding earning assets | 0.7344% | 3,392 |
| Net interest margin | 5.4940% | 174 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 3.3862% | 614 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 2.4337% | 262 |
| Return on assets (ROA) | 2.4337% | 258 |
| Pretax return on assets | 2.4337% | 387 |
| Return on Equity (ROE) | 23.1200% | 482 |
| Retained earnings to average equity (ytd only) | 8.6312% | 1,782 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.5793% | 3,248 |
| Assets per employee ($millions) | 3.3042% | 4,384 |
| Cash dividends to net income (ytd only)* | 62.6741% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 3,595 |
| Loan loss allowance to noncurrent loans | 44.0197% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.3636% | 277 |
| Noncurrent loans to loans | 2.1686% | 238 |
| Net loans and leases to total assets | 62.2800% | 2,554 |
| Net loans and leases to deposits | 69.8552% | 2,796 |
| Net loans and leases to core deposits | 73.3785% | 2,935 |
| Total domestic deposits to total assets | 89.1500% | 1,196 |
| Equity capital to assets | 10.6835% | 1,516 |
| Core capital (leverage) ratio | 10.6491% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4542% | 1,224 |
| Memoranda: | ||
| Average total assets | $59,005,000 | 4,257 |
| Average earning assets | $56,644,000 | 4,225 |
| Average equity | $6,210,000 | 4,168 |
| Average total loans | $36,340,333 | 4,073 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0133% | 310 |
| Cost of funding earning assets | 0.5447% | 3,553 |
| Net interest margin | 5.4686% | 156 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 3.4067% | 594 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 2.4120% | 272 |
| Return on assets (ROA) | 2.4120% | 270 |
| Pretax return on assets | 2.4120% | 403 |
| Return on Equity (ROE) | 23.3100% | 490 |
| Retained earnings to average equity (ytd only) | 6.8472% | 2,537 |
| Net charge-offs to loans | -0.0112% | 3,882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.9374% | 3,199 |
| Assets per employee ($millions) | 3.4504% | 4,418 |
| Cash dividends to net income (ytd only)* | 70.6215% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 1,994 |
| Loan loss allowance to noncurrent loans | 58.1595% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.3894% | 249 |
| Noncurrent loans to loans | 2.2496% | 223 |
| Net loans and leases to total assets | 60.9500% | 2,559 |
| Net loans and leases to deposits | 68.0536% | 2,762 |
| Net loans and leases to core deposits | 71.8803% | 2,824 |
| Total domestic deposits to total assets | 89.5700% | 1,309 |
| Equity capital to assets | 10.3398% | 1,646 |
| Core capital (leverage) ratio | 10.3523% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3427% | 1,302 |
| Memoranda: | ||
| Average total assets | $58,707,500 | 4,320 |
| Average earning assets | $56,541,000 | 4,276 |
| Average equity | $6,075,500 | 4,235 |
| Average total loans | $35,812,000 | 4,135 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4717% | 762 |
| Cost of funding earning assets | 0.1059% | 4,367 |
| Net interest margin | 4.3657% | 370 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 3.1434% | 784 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.5767% | 726 |
| Return on assets (ROA) | 1.5767% | 695 |
| Pretax return on assets | 1.5767% | 1,222 |
| Return on Equity (ROE) | 15.7800% | 1,089 |
| Retained earnings to average equity (ytd only) | 3.3747% | 3,601 |
| Net charge-offs to loans | 0.0625% | 1,024 |
| Credit loss provision to net charge-offs | 268.1818% | 968 |
| Earnings coverage of net charge-offs (x) | 46.0455% | 1,416 |
| Efficiency ratio | 65.2487% | 2,326 |
| Assets per employee ($millions) | 3.6724% | 4,396 |
| Cash dividends to net income (ytd only)* | 78.6164% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 3,576 |
| Loan loss allowance to noncurrent loans | 41.8002% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.3802% | 248 |
| Noncurrent loans to loans | 2.2912% | 221 |
| Net loans and leases to total assets | 59.6600% | 2,668 |
| Net loans and leases to deposits | 66.6166% | 2,846 |
| Net loans and leases to core deposits | 70.7122% | 2,822 |
| Total domestic deposits to total assets | 89.5600% | 1,532 |
| Equity capital to assets | 10.3577% | 1,530 |
| Core capital (leverage) ratio | 10.2082% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4188% | 1,259 |
| Memoranda: | ||
| Average total assets | $60,507,000 | 4,330 |
| Average earning assets | $58,524,000 | 4,285 |
| Average equity | $6,045,000 | 4,322 |
| Average total loans | $35,197,400 | 4,153 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2404% | 823 |
| Cost of funding earning assets | 0.0836% | 4,393 |
| Net interest margin | 4.1568% | 462 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 3.0475% | 854 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.4505% | 953 |
| Return on assets (ROA) | 1.4505% | 929 |
| Pretax return on assets | 1.4505% | 1,555 |
| Return on Equity (ROE) | 14.6500% | 1,247 |
| Retained earnings to average equity (ytd only) | 5.8106% | 2,815 |
| Net charge-offs to loans | 0.0759% | 771 |
| Credit loss provision to net charge-offs | 295.0000% | 821 |
| Earnings coverage of net charge-offs (x) | 36.1000% | 1,429 |
| Efficiency ratio | 65.8629% | 2,298 |
| Assets per employee ($millions) | 3.6144% | 4,457 |
| Cash dividends to net income (ytd only)* | 60.3318% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,334 |
| Loan loss allowance to noncurrent loans | 43.0013% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.2906% | 292 |
| Noncurrent loans to loans | 2.4032% | 225 |
| Net loans and leases to total assets | 53.1500% | 3,171 |
| Net loans and leases to deposits | 59.1709% | 3,270 |
| Net loans and leases to core deposits | 62.0337% | 3,238 |
| Total domestic deposits to total assets | 89.8200% | 1,736 |
| Equity capital to assets | 10.0010% | 1,625 |
| Core capital (leverage) ratio | 9.8933% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5047% | 1,086 |
| Memoranda: | ||
| Average total assets | $60,944,250 | 4,361 |
| Average earning assets | $59,018,500 | 4,309 |
| Average equity | $6,034,750 | 4,369 |
| Average total loans | $35,147,750 | 4,173 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0380% | 881 |
| Cost of funding earning assets | 0.0812% | 4,366 |
| Net interest margin | 3.9567% | 543 |
| Noninterest income to average assets | 0.6088% | 1,700 |
| Noninterest expense to average assets | 3.0011% | 836 |
| Loan and lease loss provision to assets | 0.1942% | 442 |
| Net operating income to assets | 1.2603% | 1,252 |
| Return on assets (ROA) | 1.2603% | 1,234 |
| Pretax return on assets | 1.2603% | 1,868 |
| Return on Equity (ROE) | 12.7709% | 1,444 |
| Retained earnings to average equity (ytd only) | 6.1020% | 2,302 |
| Net charge-offs to loans | 0.1171% | 526 |
| Credit loss provision to net charge-offs | 280.9524% | 825 |
| Earnings coverage of net charge-offs (x) | 21.0476% | 1,535 |
| Efficiency ratio | 67.3560% | 2,330 |
| Assets per employee ($millions) | 3.4602% | 4,557 |
| Cash dividends to net income (ytd only)* | 52.2193% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 3,550 |
| Loan loss allowance to noncurrent loans | 44.3286% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.2315% | 342 |
| Noncurrent loans to loans | 2.2817% | 269 |
| Net loans and leases to total assets | 53.4262% | 3,013 |
| Net loans and leases to deposits | 59.2690% | 3,109 |
| Net loans and leases to core deposits | 62.0844% | 3,109 |
| Total domestic deposits to total assets | 90.1419% | 1,653 |
| Equity capital to assets | 9.7377% | 1,858 |
| Core capital (leverage) ratio | 9.7314% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0029% | 1,188 |
| Memoranda: | ||
| Average total assets | $60,777,667 | 4,410 |
| Average earning assets | $59,089,000 | 4,364 |
| Average equity | $5,998,000 | 4,412 |
| Average total loans | $35,864,333 | 4,214 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1273% | 606 |
| Cost of funding earning assets | 0.0824% | 4,326 |
| Net interest margin | 4.0448% | 382 |
| Noninterest income to average assets | 0.6197% | 1,607 |
| Noninterest expense to average assets | 3.0521% | 752 |
| Loan and lease loss provision to assets | 0.3932% | 137 |
| Net operating income to assets | 1.0996% | 1,531 |
| Return on assets (ROA) | 1.0996% | 1,523 |
| Pretax return on assets | 1.0996% | 2,145 |
| Return on Equity (ROE) | 11.0655% | 1,599 |
| Retained earnings to average equity (ytd only) | 11.0655% | 775 |
| Net charge-offs to loans | 0.0649% | 683 |
| Credit loss provision to net charge-offs | 983.3333% | 345 |
| Earnings coverage of net charge-offs (x) | 37.3333% | 1,036 |
| Efficiency ratio | 67.1554% | 2,610 |
| Assets per employee ($millions) | 3.3880% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 3,779 |
| Loan loss allowance to noncurrent loans | 46.7105% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.2462% | 346 |
| Noncurrent loans to loans | 2.1118% | 333 |
| Net loans and leases to total assets | 58.4317% | 2,253 |
| Net loans and leases to deposits | 64.9118% | 2,444 |
| Net loans and leases to core deposits | 68.4795% | 2,415 |
| Total domestic deposits to total assets | 90.0171% | 1,552 |
| Equity capital to assets | 9.9157% | 1,961 |
| Core capital (leverage) ratio | 9.9542% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0556% | 1,243 |
| Memoranda: | ||
| Average total assets | $60,024,500 | 4,441 |
| Average earning assets | $58,247,000 | 4,400 |
| Average equity | $5,964,500 | 4,468 |
| Average total loans | $36,988,500 | 4,208 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 341 |
| Cost of funding earning assets | 0.0959% | 4,410 |
| Net interest margin | 4.7450% | 191 |
| Noninterest income to average assets | 0.5833% | 2,228 |
| Noninterest expense to average assets | 3.0243% | 946 |
| Loan and lease loss provision to assets | 0.0597% | 1,866 |
| Net operating income to assets | 2.0930% | 293 |
| Return on assets (ROA) | 2.0930% | 306 |
| Pretax return on assets | 2.0930% | 503 |
| Return on Equity (ROE) | 21.5250% | 238 |
| Retained earnings to average equity (ytd only) | 3.6301% | 3,369 |
| Net charge-offs to loans | 0.0522% | 1,283 |
| Credit loss provision to net charge-offs | 189.4737% | 1,342 |
| Earnings coverage of net charge-offs (x) | 68.3684% | 1,093 |
| Efficiency ratio | 58.4187% | 3,377 |
| Assets per employee ($millions) | 3.2814% | 4,633 |
| Cash dividends to net income (ytd only)* | 83.1354% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7950% | 4,275 |
| Loan loss allowance to noncurrent loans | 40.8108% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.2529% | 379 |
| Noncurrent loans to loans | 1.9480% | 407 |
| Net loans and leases to total assets | 63.8043% | 1,727 |
| Net loans and leases to deposits | 70.9183% | 2,028 |
| Net loans and leases to core deposits | 73.8420% | 2,094 |
| Total domestic deposits to total assets | 89.9687% | 979 |
| Equity capital to assets | 9.9585% | 2,694 |
| Core capital (leverage) ratio | 9.8661% | 2,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6043% | 1,653 |
| Memoranda: | ||
| Average total assets | $60,344,800 | 4,450 |
| Average earning assets | $58,419,400 | 4,401 |
| Average equity | $5,867,600 | 4,543 |
| Average total loans | $36,408,200 | 4,263 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0719% | 270 |
| Cost of funding earning assets | 0.1000% | 4,506 |
| Net interest margin | 4.9720% | 163 |
| Noninterest income to average assets | 0.5736% | 2,325 |
| Noninterest expense to average assets | 2.9561% | 1,038 |
| Loan and lease loss provision to assets | 0.0593% | 1,807 |
| Net operating income to assets | 2.3670% | 254 |
| Return on assets (ROA) | 2.3670% | 264 |
| Pretax return on assets | 2.3670% | 412 |
| Return on Equity (ROE) | 24.4878% | 187 |
| Retained earnings to average equity (ytd only) | 10.8456% | 1,094 |
| Net charge-offs to loans | 0.0592% | 1,048 |
| Credit loss provision to net charge-offs | 168.7500% | 1,288 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 1,072 |
| Efficiency ratio | 54.9204% | 3,670 |
| Assets per employee ($millions) | 3.2454% | 4,706 |
| Cash dividends to net income (ytd only)* | 55.7103% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 4,249 |
| Loan loss allowance to noncurrent loans | 39.4141% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.2856% | 445 |
| Noncurrent loans to loans | 2.1815% | 380 |
| Net loans and leases to total assets | 58.4248% | 2,431 |
| Net loans and leases to deposits | 65.4496% | 2,684 |
| Net loans and leases to core deposits | 68.8924% | 2,696 |
| Total domestic deposits to total assets | 89.2668% | 1,138 |
| Equity capital to assets | 10.5209% | 2,441 |
| Core capital (leverage) ratio | 10.2397% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7951% | 1,175 |
| Memoranda: | ||
| Average total assets | $60,664,750 | 4,505 |
| Average earning assets | $58,674,250 | 4,456 |
| Average equity | $5,864,000 | 4,607 |
| Average total loans | $36,013,250 | 4,327 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7824% | 476 |
| Cost of funding earning assets | 0.1078% | 4,521 |
| Net interest margin | 4.6747% | 277 |
| Noninterest income to average assets | 0.5699% | 2,340 |
| Noninterest expense to average assets | 2.9179% | 1,118 |
| Loan and lease loss provision to assets | 0.0586% | 1,861 |
| Net operating income to assets | 2.1135% | 395 |
| Return on assets (ROA) | 2.1135% | 417 |
| Pretax return on assets | 2.1135% | 670 |
| Return on Equity (ROE) | 22.4957% | 290 |
| Retained earnings to average equity (ytd only) | 8.6308% | 1,841 |
| Net charge-offs to loans | -0.0219% | 4,029 |
| Credit loss provision to net charge-offs | -450.0000% | 3,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3257% | 3,362 |
| Assets per employee ($millions) | 3.3856% | 4,702 |
| Cash dividends to net income (ytd only)* | 61.6333% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 4,330 |
| Loan loss allowance to noncurrent loans | 39.1582% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.2865% | 501 |
| Noncurrent loans to loans | 2.1071% | 443 |
| Net loans and leases to total assets | 60.5504% | 2,358 |
| Net loans and leases to deposits | 67.1740% | 2,701 |
| Net loans and leases to core deposits | 71.3002% | 2,662 |
| Total domestic deposits to total assets | 90.1396% | 704 |
| Equity capital to assets | 9.7110% | 3,130 |
| Core capital (leverage) ratio | 9.6881% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9360% | 1,351 |
| Memoranda: | ||
| Average total assets | $61,414,000 | 4,522 |
| Average earning assets | $59,384,000 | 4,482 |
| Average equity | $5,770,000 | 4,646 |
| Average total loans | $36,542,333 | 4,344 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 1,213 |
| Cost of funding earning assets | 0.1207% | 4,516 |
| Net interest margin | 4.0717% | 759 |
| Noninterest income to average assets | 0.5904% | 2,248 |
| Noninterest expense to average assets | 2.8224% | 1,322 |
| Loan and lease loss provision to assets | 0.0584% | 1,957 |
| Net operating income to assets | 1.6480% | 1,021 |
| Return on assets (ROA) | 1.6480% | 1,073 |
| Pretax return on assets | 1.6480% | 1,607 |
| Return on Equity (ROE) | 17.8371% | 747 |
| Retained earnings to average equity (ytd only) | 3.7921% | 3,566 |
| Net charge-offs to loans | -0.0221% | 4,041 |
| Credit loss provision to net charge-offs | -450.0000% | 3,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3209% | 2,700 |
| Assets per employee ($millions) | 3.5447% | 4,672 |
| Cash dividends to net income (ytd only)* | 78.7402% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8289% | 4,348 |
| Loan loss allowance to noncurrent loans | 38.3420% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.2100% | 617 |
| Noncurrent loans to loans | 2.1619% | 467 |
| Net loans and leases to total assets | 55.5028% | 3,092 |
| Net loans and leases to deposits | 61.0264% | 3,408 |
| Net loans and leases to core deposits | 65.9129% | 3,248 |
| Total domestic deposits to total assets | 90.9488% | 418 |
| Equity capital to assets | 8.9697% | 3,719 |
| Core capital (leverage) ratio | 9.5581% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3804% | 1,201 |
| Memoranda: | ||
| Average total assets | $61,650,500 | 4,538 |
| Average earning assets | $59,631,500 | 4,492 |
| Average equity | $5,696,000 | 4,672 |
| Average total loans | $36,210,000 | 4,374 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9382% | 557 |
| Cost of funding earning assets | 0.2024% | 4,580 |
| Net interest margin | 4.7358% | 198 |
| Noninterest income to average assets | 0.6374% | 2,075 |
| Noninterest expense to average assets | 2.9202% | 1,632 |
| Loan and lease loss provision to assets | 0.1206% | 2,856 |
| Net operating income to assets | 2.1518% | 199 |
| Return on assets (ROA) | 2.1518% | 210 |
| Pretax return on assets | 2.1518% | 328 |
| Return on Equity (ROE) | 21.6068% | 168 |
| Retained earnings to average equity (ytd only) | 1.7126% | 3,944 |
| Net charge-offs to loans | 0.0640% | 1,863 |
| Credit loss provision to net charge-offs | 291.6667% | 1,769 |
| Earnings coverage of net charge-offs (x) | 54.9583% | 1,124 |
| Efficiency ratio | 56.2376% | 3,961 |
| Assets per employee ($millions) | 3.4998% | 4,650 |
| Cash dividends to net income (ytd only)* | 92.0737% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7763% | 4,470 |
| Loan loss allowance to noncurrent loans | 24.9562% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.9194% | 303 |
| Noncurrent loans to loans | 3.1108% | 267 |
| Net loans and leases to total assets | 61.2233% | 2,703 |
| Net loans and leases to deposits | 67.7378% | 3,107 |
| Net loans and leases to core deposits | 74.3737% | 2,879 |
| Total domestic deposits to total assets | 90.3827% | 423 |
| Equity capital to assets | 9.5282% | 3,581 |
| Core capital (leverage) ratio | 9.6201% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8845% | 1,571 |
| Memoranda: | ||
| Average total assets | $58,044,400 | 4,540 |
| Average earning assets | $55,830,400 | 4,499 |
| Average equity | $5,780,600 | 4,666 |
| Average total loans | $37,481,800 | 4,365 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0999% | 504 |
| Cost of funding earning assets | 0.2188% | 4,610 |
| Net interest margin | 4.8811% | 172 |
| Noninterest income to average assets | 0.6426% | 2,010 |
| Noninterest expense to average assets | 2.8917% | 1,724 |
| Loan and lease loss provision to assets | 0.1404% | 2,613 |
| Net operating income to assets | 2.3023% | 176 |
| Return on assets (ROA) | 2.3023% | 185 |
| Pretax return on assets | 2.3023% | 278 |
| Return on Equity (ROE) | 22.8625% | 157 |
| Retained earnings to average equity (ytd only) | 9.0899% | 955 |
| Net charge-offs to loans | 0.0743% | 1,570 |
| Credit loss provision to net charge-offs | 290.4762% | 1,799 |
| Earnings coverage of net charge-offs (x) | 50.3333% | 1,191 |
| Efficiency ratio | 54.2028% | 4,124 |
| Assets per employee ($millions) | 3.3851% | 4,713 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7745% | 4,423 |
| Loan loss allowance to noncurrent loans | 24.6903% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.9636% | 343 |
| Noncurrent loans to loans | 3.1370% | 286 |
| Net loans and leases to total assets | 62.1110% | 2,992 |
| Net loans and leases to deposits | 69.4511% | 3,356 |
| Net loans and leases to core deposits | 77.4127% | 3,060 |
| Total domestic deposits to total assets | 89.4312% | 605 |
| Equity capital to assets | 10.3672% | 2,904 |
| Core capital (leverage) ratio | 10.0198% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3400% | 1,177 |
| Memoranda: | ||
| Average total assets | $57,681,250 | 4,560 |
| Average earning assets | $55,450,500 | 4,521 |
| Average equity | $5,808,500 | 4,686 |
| Average total loans | $37,674,500 | 4,381 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3882% | 412 |
| Cost of funding earning assets | 0.2380% | 4,656 |
| Net interest margin | 5.1502% | 150 |
| Noninterest income to average assets | 0.6583% | 1,902 |
| Noninterest expense to average assets | 2.8271% | 2,031 |
| Loan and lease loss provision to assets | 0.1559% | 2,438 |
| Net operating income to assets | 2.6227% | 117 |
| Return on assets (ROA) | 2.6227% | 125 |
| Pretax return on assets | 2.6227% | 174 |
| Return on Equity (ROE) | 26.3030% | 95 |
| Retained earnings to average equity (ytd only) | 12.4044% | 410 |
| Net charge-offs to loans | 0.1099% | 1,191 |
| Credit loss provision to net charge-offs | 214.2857% | 1,856 |
| Earnings coverage of net charge-offs (x) | 38.1905% | 1,282 |
| Efficiency ratio | 50.4326% | 4,477 |
| Assets per employee ($millions) | 3.6345% | 4,584 |
| Cash dividends to net income (ytd only)* | 52.8402% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7210% | 4,520 |
| Loan loss allowance to noncurrent loans | 796.9697% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 4,265 |
| Noncurrent loans to loans | 0.0905% | 4,100 |
| Net loans and leases to total assets | 58.6104% | 3,460 |
| Net loans and leases to deposits | 64.9293% | 3,812 |
| Net loans and leases to core deposits | 72.3074% | 3,573 |
| Total domestic deposits to total assets | 90.2680% | 327 |
| Equity capital to assets | 9.5928% | 3,572 |
| Core capital (leverage) ratio | 10.0310% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1949% | 1,207 |
| Memoranda: | ||
| Average total assets | $57,726,000 | 4,570 |
| Average earning assets | $55,454,333 | 4,537 |
| Average equity | $5,756,000 | 4,717 |
| Average total loans | $38,225,333 | 4,383 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6970% | 248 |
| Cost of funding earning assets | 0.2552% | 4,760 |
| Net interest margin | 5.4418% | 95 |
| Noninterest income to average assets | 0.7685% | 1,400 |
| Noninterest expense to average assets | 3.0307% | 1,804 |
| Loan and lease loss provision to assets | 0.0646% | 2,952 |
| Net operating income to assets | 2.8799% | 76 |
| Return on assets (ROA) | 2.8799% | 80 |
| Pretax return on assets | 2.8799% | 107 |
| Return on Equity (ROE) | 28.2867% | 40 |
| Retained earnings to average equity (ytd only) | 14.1786% | 240 |
| Net charge-offs to loans | 0.3376% | 426 |
| Credit loss provision to net charge-offs | 27.2727% | 2,166 |
| Earnings coverage of net charge-offs (x) | 12.4242% | 1,695 |
| Efficiency ratio | 50.7212% | 4,623 |
| Assets per employee ($millions) | 3.2600% | 4,656 |
| Cash dividends to net income (ytd only)* | 49.8753% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5442% | 4,835 |
| Loan loss allowance to noncurrent loans | 35.3618% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.0971% | 1,185 |
| Noncurrent loans to loans | 1.5390% | 1,028 |
| Net loans and leases to total assets | 70.8950% | 2,102 |
| Net loans and leases to deposits | 79.2169% | 2,756 |
| Net loans and leases to core deposits | 87.5602% | 2,559 |
| Total domestic deposits to total assets | 89.4948% | 474 |
| Equity capital to assets | 10.4132% | 3,399 |
| Core capital (leverage) ratio | 10.2446% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5528% | 2,057 |
| Memoranda: | ||
| Average total assets | $55,696,000 | 4,612 |
| Average earning assets | $53,291,500 | 4,578 |
| Average equity | $5,670,500 | 4,763 |
| Average total loans | $39,100,000 | 4,395 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5011% | 562 |
| Cost of funding earning assets | 0.2399% | 4,875 |
| Net interest margin | 5.2612% | 168 |
| Noninterest income to average assets | 0.7301% | 1,705 |
| Noninterest expense to average assets | 3.0860% | 1,793 |
| Loan and lease loss provision to assets | 0.0655% | 2,707 |
| Net operating income to assets | 2.6090% | 118 |
| Return on assets (ROA) | 2.6090% | 124 |
| Pretax return on assets | 2.6090% | 174 |
| Return on Equity (ROE) | 25.2841% | 72 |
| Retained earnings to average equity (ytd only) | 2.3467% | 3,850 |
| Net charge-offs to loans | 0.0272% | 2,851 |
| Credit loss provision to net charge-offs | 360.0000% | 779 |
| Earnings coverage of net charge-offs (x) | 146.9000% | 504 |
| Efficiency ratio | 53.5714% | 4,463 |
| Assets per employee ($millions) | 3.2925% | 4,650 |
| Cash dividends to net income (ytd only)* | 90.7188% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6177% | 4,712 |
| Loan loss allowance to noncurrent loans | 770.9677% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 4,350 |
| Noncurrent loans to loans | 0.0801% | 4,201 |
| Net loans and leases to total assets | 68.7058% | 2,581 |
| Net loans and leases to deposits | 76.3834% | 3,141 |
| Net loans and leases to core deposits | 83.6691% | 2,982 |
| Total domestic deposits to total assets | 89.9485% | 337 |
| Equity capital to assets | 9.9514% | 3,967 |
| Core capital (leverage) ratio | 10.3988% | 3,070 |
| Tier 1 risk-based capital ratio | 13.8761% | 3,328 |
| Total risk-based capital ratio | 14.4715% | 3,561 |
| Memoranda: | ||
| Average total assets | $54,926,200 | 4,669 |
| Average earning assets | $52,516,800 | 4,633 |
| Average equity | $5,667,600 | 4,801 |
| Average total loans | $36,744,400 | 4,483 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5251% | 563 |
| Cost of funding earning assets | 0.2371% | 4,956 |
| Net interest margin | 5.2880% | 168 |
| Noninterest income to average assets | 0.7366% | 1,635 |
| Noninterest expense to average assets | 3.0196% | 1,920 |
| Loan and lease loss provision to assets | 0.0659% | 2,569 |
| Net operating income to assets | 2.7098% | 117 |
| Return on assets (ROA) | 2.7098% | 123 |
| Pretax return on assets | 2.7098% | 167 |
| Return on Equity (ROE) | 26.0242% | 72 |
| Retained earnings to average equity (ytd only) | 11.9698% | 388 |
| Net charge-offs to loans | 0.0405% | 2,284 |
| Credit loss provision to net charge-offs | 245.4545% | 1,113 |
| Earnings coverage of net charge-offs (x) | 103.4288% | 734 |
| Efficiency ratio | 52.1044% | 4,587 |
| Assets per employee ($millions) | 3.1258% | 4,818 |
| Cash dividends to net income (ytd only)* | 54.0053% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6462% | 4,742 |
| Loan loss allowance to noncurrent loans | 388.1356% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 4,159 |
| Noncurrent loans to loans | 0.1665% | 3,942 |
| Net loans and leases to total assets | 66.2633% | 3,021 |
| Net loans and leases to deposits | 74.8024% | 3,406 |
| Net loans and leases to core deposits | 82.4710% | 3,217 |
| Total domestic deposits to total assets | 88.5844% | 787 |
| Equity capital to assets | 11.1935% | 2,938 |
| Core capital (leverage) ratio | 11.1047% | 2,555 |
| Tier 1 risk-based capital ratio | 16.0129% | 2,421 |
| Total risk-based capital ratio | 16.6294% | 2,611 |
| Memoranda: | ||
| Average total assets | $54,664,750 | 4,740 |
| Average earning assets | $52,293,000 | 4,703 |
| Average equity | $5,692,000 | 4,858 |
| Average total loans | $36,256,750 | 4,554 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4934% | 576 |
| Cost of funding earning assets | 0.2347% | 4,996 |
| Net interest margin | 5.2587% | 177 |
| Noninterest income to average assets | 0.7177% | 1,641 |
| Noninterest expense to average assets | 3.0268% | 1,924 |
| Loan and lease loss provision to assets | 0.0652% | 2,513 |
| Net operating income to assets | 2.6607% | 128 |
| Return on assets (ROA) | 2.6607% | 132 |
| Pretax return on assets | 2.6607% | 196 |
| Return on Equity (ROE) | 26.1831% | 75 |
| Retained earnings to average equity (ytd only) | 11.9144% | 415 |
| Net charge-offs to loans | 0.0712% | 1,653 |
| Credit loss provision to net charge-offs | 138.4615% | 1,580 |
| Earnings coverage of net charge-offs (x) | 57.8462% | 1,002 |
| Efficiency ratio | 52.6150% | 4,606 |
| Assets per employee ($millions) | 3.3825% | 4,629 |
| Cash dividends to net income (ytd only)* | 54.4959% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6127% | 4,852 |
| Loan loss allowance to noncurrent loans | 427.4510% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 4,289 |
| Noncurrent loans to loans | 0.1433% | 4,041 |
| Net loans and leases to total assets | 65.3455% | 3,184 |
| Net loans and leases to deposits | 73.2665% | 3,572 |
| Net loans and leases to core deposits | 80.5618% | 3,380 |
| Total domestic deposits to total assets | 89.1888% | 595 |
| Equity capital to assets | 10.6633% | 3,370 |
| Core capital (leverage) ratio | 10.6227% | 2,960 |
| Tier 1 risk-based capital ratio | 15.4764% | 2,633 |
| Total risk-based capital ratio | 16.0610% | 2,841 |
| Memoranda: | ||
| Average total assets | $55,173,670 | 4,769 |
| Average earning assets | $52,827,000 | 4,729 |
| Average equity | $5,606,670 | 4,902 |
| Average total loans | $36,529,000 | 4,580 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5232% | 504 |
| Cost of funding earning assets | 0.2398% | 5,014 |
| Net interest margin | 5.2834% | 177 |
| Noninterest income to average assets | 0.7038% | 1,600 |
| Noninterest expense to average assets | 3.0089% | 1,970 |
| Loan and lease loss provision to assets | 0.0646% | 2,372 |
| Net operating income to assets | 2.6930% | 121 |
| Return on assets (ROA) | 2.6930% | 132 |
| Pretax return on assets | 2.6930% | 184 |
| Return on Equity (ROE) | 27.1518% | 72 |
| Retained earnings to average equity (ytd only) | 12.6708% | 517 |
| Net charge-offs to loans | 0.0541% | 1,512 |
| Credit loss provision to net charge-offs | 180.0000% | 1,115 |
| Earnings coverage of net charge-offs (x) | 76.8000% | 787 |
| Efficiency ratio | 52.1793% | 4,681 |
| Assets per employee ($millions) | 3.0429% | 4,951 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5887% | 4,954 |
| Loan loss allowance to noncurrent loans | 1,033.3333% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 4,646 |
| Noncurrent loans to loans | 0.0570% | 4,512 |
| Net loans and leases to total assets | 66.8997% | 2,917 |
| Net loans and leases to deposits | 75.0727% | 3,347 |
| Net loans and leases to core deposits | 81.1081% | 3,262 |
| Total domestic deposits to total assets | 89.1132% | 810 |
| Equity capital to assets | 10.2459% | 3,576 |
| Core capital (leverage) ratio | 10.1124% | 3,479 |
| Tier 1 risk-based capital ratio | 14.5793% | 3,070 |
| Total risk-based capital ratio | 15.1430% | 3,316 |
| Memoranda: | ||
| Average total assets | $55,700,500 | 4,812 |
| Average earning assets | $53,374,500 | 4,773 |
| Average equity | $5,524,500 | 4,959 |
| Average total loans | $37,002,000 | 4,617 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2120% | 685 |
| Cost of funding earning assets | 0.1742% | 5,096 |
| Net interest margin | 5.0379% | 247 |
| Noninterest income to average assets | 1.2933% | 559 |
| Noninterest expense to average assets | 2.9920% | 2,063 |
| Loan and lease loss provision to assets | 0.0660% | 2,832 |
| Net operating income to assets | 3.0103% | 79 |
| Return on assets (ROA) | 3.0103% | 81 |
| Pretax return on assets | 3.0103% | 96 |
| Return on Equity (ROE) | 30.0472% | 38 |
| Retained earnings to average equity (ytd only) | 3.0944% | 3,847 |
| Net charge-offs to loans | 0.1841% | 1,045 |
| Credit loss provision to net charge-offs | 58.0645% | 3,122 |
| Earnings coverage of net charge-offs (x) | 27.0484% | 1,702 |
| Efficiency ratio | 49.3047% | 4,979 |
| Assets per employee ($millions) | 3.3311% | 4,721 |
| Cash dividends to net income (ytd only)* | 89.7014% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5734% | 5,015 |
| Loan loss allowance to noncurrent loans | 4,260.0000% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 4,863 |
| Noncurrent loans to loans | 0.0135% | 4,739 |
| Net loans and leases to total assets | 65.2169% | 3,235 |
| Net loans and leases to deposits | 74.3587% | 3,472 |
| Net loans and leases to core deposits | 80.2203% | 3,413 |
| Total domestic deposits to total assets | 87.7057% | 1,447 |
| Equity capital to assets | 9.6013% | 4,044 |
| Core capital (leverage) ratio | 10.1641% | 3,394 |
| Tier 1 risk-based capital ratio | 13.7229% | 3,427 |
| Total risk-based capital ratio | 14.2605% | 3,728 |
| Memoranda: | ||
| Average total assets | $54,512,800 | 4,867 |
| Average earning assets | $51,668,800 | 4,825 |
| Average equity | $5,461,400 | 4,978 |
| Average total loans | $33,673,200 | 4,726 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2193% | 609 |
| Cost of funding earning assets | 0.1673% | 5,159 |
| Net interest margin | 5.0520% | 238 |
| Noninterest income to average assets | 0.7978% | 1,481 |
| Noninterest expense to average assets | 2.9835% | 2,056 |
| Loan and lease loss provision to assets | 0.0667% | 2,647 |
| Net operating income to assets | 2.5217% | 157 |
| Return on assets (ROA) | 2.5217% | 156 |
| Pretax return on assets | 2.5217% | 225 |
| Return on Equity (ROE) | 24.8980% | 89 |
| Retained earnings to average equity (ytd only) | 10.2665% | 834 |
| Net charge-offs to loans | 0.1057% | 1,432 |
| Credit loss provision to net charge-offs | 103.8462% | 2,202 |
| Earnings coverage of net charge-offs (x) | 40.3029% | 1,348 |
| Efficiency ratio | 53.5461% | 4,647 |
| Assets per employee ($millions) | 3.3876% | 4,696 |
| Cash dividends to net income (ytd only)* | 58.7659% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7027% | 4,871 |
| Loan loss allowance to noncurrent loans | 421.0526% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 4,445 |
| Noncurrent loans to loans | 0.1669% | 4,140 |
| Net loans and leases to total assets | 62.5733% | 3,591 |
| Net loans and leases to deposits | 71.1654% | 3,835 |
| Net loans and leases to core deposits | 77.9714% | 3,656 |
| Total domestic deposits to total assets | 87.9266% | 1,267 |
| Equity capital to assets | 10.4959% | 3,147 |
| Core capital (leverage) ratio | 10.5844% | 2,993 |
| Tier 1 risk-based capital ratio | 15.4027% | 2,693 |
| Total risk-based capital ratio | 16.0525% | 2,890 |
| Memoranda: | ||
| Average total assets | $53,984,000 | 4,927 |
| Average earning assets | $51,014,750 | 4,886 |
| Average equity | $5,467,500 | 5,035 |
| Average total loans | $32,805,500 | 4,803 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1329% | 623 |
| Cost of funding earning assets | 0.1609% | 5,196 |
| Net interest margin | 4.9720% | 258 |
| Noninterest income to average assets | 0.8162% | 1,426 |
| Noninterest expense to average assets | 2.9901% | 2,066 |
| Loan and lease loss provision to assets | 0.0668% | 2,560 |
| Net operating income to assets | 2.4596% | 160 |
| Return on assets (ROA) | 2.4596% | 159 |
| Pretax return on assets | 2.4596% | 241 |
| Return on Equity (ROE) | 24.5844% | 97 |
| Retained earnings to average equity (ytd only) | 9.7522% | 998 |
| Net charge-offs to loans | 0.1051% | 1,308 |
| Credit loss provision to net charge-offs | 105.8824% | 1,939 |
| Earnings coverage of net charge-offs (x) | 40.0588% | 1,300 |
| Efficiency ratio | 54.2031% | 4,670 |
| Assets per employee ($millions) | 3.3999% | 4,714 |
| Cash dividends to net income (ytd only)* | 60.3318% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7244% | 4,881 |
| Loan loss allowance to noncurrent loans | 1,333.3333% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 4,860 |
| Noncurrent loans to loans | 0.0543% | 4,669 |
| Net loans and leases to total assets | 60.4662% | 3,767 |
| Net loans and leases to deposits | 67.4203% | 4,059 |
| Net loans and leases to core deposits | 72.0895% | 4,000 |
| Total domestic deposits to total assets | 89.6855% | 671 |
| Equity capital to assets | 10.1675% | 3,466 |
| Core capital (leverage) ratio | 10.3435% | 3,192 |
| Tier 1 risk-based capital ratio | 15.4411% | 2,668 |
| Total risk-based capital ratio | 16.1111% | 2,862 |
| Memoranda: | ||
| Average total assets | $53,911,330 | 4,982 |
| Average earning assets | $50,965,670 | 4,950 |
| Average equity | $5,393,670 | 5,092 |
| Average total loans | $32,355,330 | 4,861 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9846% | 718 |
| Cost of funding earning assets | 0.1741% | 5,137 |
| Net interest margin | 4.8105% | 336 |
| Noninterest income to average assets | 0.9168% | 1,106 |
| Noninterest expense to average assets | 3.0409% | 1,970 |
| Loan and lease loss provision to assets | 0.0671% | 2,427 |
| Net operating income to assets | 2.3403% | 191 |
| Return on assets (ROA) | 2.3403% | 193 |
| Pretax return on assets | 2.3403% | 298 |
| Return on Equity (ROE) | 23.5869% | 115 |
| Retained earnings to average equity (ytd only) | 8.5634% | 1,633 |
| Net charge-offs to loans | 0.2127% | 700 |
| Credit loss provision to net charge-offs | 52.9412% | 1,927 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,517 |
| Efficiency ratio | 55.8140% | 4,607 |
| Assets per employee ($millions) | 3.1245% | 5,070 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 4,915 |
| Loan loss allowance to noncurrent loans | 2,310.0000% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 5,021 |
| Noncurrent loans to loans | 0.0325% | 4,829 |
| Net loans and leases to total assets | 57.4392% | 3,996 |
| Net loans and leases to deposits | 63.9770% | 4,212 |
| Net loans and leases to core deposits | 68.4403% | 4,191 |
| Total domestic deposits to total assets | 89.7810% | 751 |
| Equity capital to assets | 10.1323% | 3,471 |
| Core capital (leverage) ratio | 10.2090% | 3,291 |
| Tier 1 risk-based capital ratio | 16.0542% | 2,446 |
| Total risk-based capital ratio | 16.7432% | 2,603 |
| Memoranda: | ||
| Average total assets | $53,667,500 | 5,043 |
| Average earning assets | $50,556,000 | 5,016 |
| Average equity | $5,325,000 | 5,163 |
| Average total loans | $31,966,500 | 4,920 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9182% | 768 |
| Cost of funding earning assets | 0.1522% | 5,252 |
| Net interest margin | 4.7660% | 376 |
| Noninterest income to average assets | 0.8210% | 1,497 |
| Noninterest expense to average assets | 2.9169% | 2,398 |
| Loan and lease loss provision to assets | 0.0567% | 3,093 |
| Net operating income to assets | 2.3494% | 148 |
| Return on assets (ROA) | 2.3494% | 148 |
| Pretax return on assets | 2.3494% | 244 |
| Return on Equity (ROE) | 23.9012% | 82 |
| Retained earnings to average equity (ytd only) | 4.6571% | 2,350 |
| Net charge-offs to loans | 0.0443% | 2,900 |
| Credit loss provision to net charge-offs | 214.2857% | 1,268 |
| Earnings coverage of net charge-offs (x) | 90.8571% | 691 |
| Efficiency ratio | 54.7974% | 4,878 |
| Assets per employee ($millions) | 3.1893% | 5,040 |
| Cash dividends to net income (ytd only)* | 80.5153% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7201% | 5,031 |
| Loan loss allowance to noncurrent loans | 1,327.7778% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 4,976 |
| Noncurrent loans to loans | 0.0542% | 4,751 |
| Net loans and leases to total assets | 60.7787% | 3,758 |
| Net loans and leases to deposits | 69.3134% | 3,925 |
| Net loans and leases to core deposits | 73.9404% | 3,881 |
| Total domestic deposits to total assets | 87.6867% | 1,662 |
| Equity capital to assets | 9.7163% | 4,013 |
| Core capital (leverage) ratio | 9.9329% | 3,538 |
| Tier 1 risk-based capital ratio | 14.5722% | 3,053 |
| Total risk-based capital ratio | 15.2333% | 3,276 |
| Memoranda: | ||
| Average total assets | $52,864,600 | 5,102 |
| Average earning assets | $49,937,200 | 5,064 |
| Average equity | $5,196,400 | 5,238 |
| Average total loans | $31,601,800 | 4,981 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8809% | 790 |
| Cost of funding earning assets | 0.1419% | 5,365 |
| Net interest margin | 4.7390% | 382 |
| Noninterest income to average assets | 0.8453% | 1,435 |
| Noninterest expense to average assets | 2.9826% | 2,155 |
| Loan and lease loss provision to assets | 0.0685% | 2,704 |
| Net operating income to assets | 2.2870% | 182 |
| Return on assets (ROA) | 2.2870% | 181 |
| Pretax return on assets | 2.2870% | 301 |
| Return on Equity (ROE) | 23.1978% | 101 |
| Retained earnings to average equity (ytd only) | 7.7497% | 1,323 |
| Net charge-offs to loans | 0.1880% | 1,115 |
| Credit loss provision to net charge-offs | 61.3636% | 2,789 |
| Earnings coverage of net charge-offs (x) | 21.0891% | 1,927 |
| Efficiency ratio | 55.8726% | 4,762 |
| Assets per employee ($millions) | 3.0930% | 5,181 |
| Cash dividends to net income (ytd only)* | 66.5929% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6442% | 5,247 |
| Loan loss allowance to noncurrent loans | 6,866.6667% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,237 |
| Noncurrent loans to loans | 0.0094% | 5,103 |
| Net loans and leases to total assets | 60.4230% | 3,813 |
| Net loans and leases to deposits | 69.4266% | 4,009 |
| Net loans and leases to core deposits | 74.7870% | 3,906 |
| Total domestic deposits to total assets | 87.0314% | 1,862 |
| Equity capital to assets | 10.1310% | 3,765 |
| Core capital (leverage) ratio | 10.2551% | 3,252 |
| Tier 1 risk-based capital ratio | 15.2209% | 2,829 |
| Total risk-based capital ratio | 15.8095% | 3,065 |
| Memoranda: | ||
| Average total assets | $52,526,250 | 5,165 |
| Average earning assets | $49,798,750 | 5,121 |
| Average equity | $5,178,500 | 5,298 |
| Average total loans | $31,204,250 | 5,041 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8429% | 785 |
| Cost of funding earning assets | 0.1408% | 5,392 |
| Net interest margin | 4.7021% | 392 |
| Noninterest income to average assets | 0.8799% | 1,331 |
| Noninterest expense to average assets | 2.9672% | 2,207 |
| Loan and lease loss provision to assets | 0.0686% | 2,596 |
| Net operating income to assets | 2.2968% | 180 |
| Return on assets (ROA) | 2.2968% | 177 |
| Pretax return on assets | 2.2968% | 300 |
| Return on Equity (ROE) | 23.5134% | 96 |
| Retained earnings to average equity (ytd only) | 7.9158% | 1,200 |
| Net charge-offs to loans | 0.0840% | 1,769 |
| Credit loss provision to net charge-offs | 138.4615% | 1,611 |
| Earnings coverage of net charge-offs (x) | 47.7692% | 1,110 |
| Efficiency ratio | 55.6429% | 4,866 |
| Assets per employee ($millions) | 3.0179% | 5,255 |
| Cash dividends to net income (ytd only)* | 66.3350% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7537% | 5,068 |
| Loan loss allowance to noncurrent loans | 134.1176% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 3,801 |
| Noncurrent loans to loans | 0.5620% | 3,053 |
| Net loans and leases to total assets | 58.5148% | 3,974 |
| Net loans and leases to deposits | 66.4667% | 4,189 |
| Net loans and leases to core deposits | 67.5570% | 4,371 |
| Total domestic deposits to total assets | 88.0363% | 1,439 |
| Equity capital to assets | 10.1920% | 3,675 |
| Core capital (leverage) ratio | 10.1051% | 3,397 |
| Tier 1 risk-based capital ratio | 15.6220% | 2,658 |
| Total risk-based capital ratio | 16.3032% | 2,840 |
| Memoranda: | ||
| Average total assets | $52,508,000 | 5,199 |
| Average earning assets | $49,722,000 | 5,162 |
| Average equity | $5,129,000 | 5,340 |
| Average total loans | $30,946,670 | 5,082 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9477% | 574 |
| Cost of funding earning assets | 0.1593% | 5,306 |
| Net interest margin | 4.7884% | 319 |
| Noninterest income to average assets | 0.7908% | 1,590 |
| Noninterest expense to average assets | 2.9449% | 2,312 |
| Loan and lease loss provision to assets | 0.0678% | 2,457 |
| Net operating income to assets | 2.3047% | 193 |
| Return on assets (ROA) | 2.3047% | 196 |
| Pretax return on assets | 2.3047% | 298 |
| Return on Equity (ROE) | 24.0992% | 104 |
| Retained earnings to average equity (ytd only) | 8.3481% | 1,325 |
| Net charge-offs to loans | 0.0895% | 1,452 |
| Credit loss provision to net charge-offs | 128.5714% | 1,323 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 953 |
| Efficiency ratio | 55.3824% | 5,004 |
| Assets per employee ($millions) | 3.0981% | 5,271 |
| Cash dividends to net income (ytd only)* | 65.3595% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 5,248 |
| Loan loss allowance to noncurrent loans | 134.7305% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 3,925 |
| Noncurrent loans to loans | 0.5411% | 3,196 |
| Net loans and leases to total assets | 58.1712% | 3,956 |
| Net loans and leases to deposits | 64.5955% | 4,276 |
| Net loans and leases to core deposits | 66.0636% | 4,422 |
| Total domestic deposits to total assets | 90.0545% | 634 |
| Equity capital to assets | 9.7442% | 4,024 |
| Core capital (leverage) ratio | 9.5196% | 4,104 |
| Tier 1 risk-based capital ratio | 14.9682% | 2,981 |
| Total risk-based capital ratio | 15.6245% | 3,195 |
| Memoranda: | ||
| Average total assets | $53,109,500 | 5,243 |
| Average earning assets | $50,205,000 | 5,209 |
| Average equity | $5,079,000 | 5,404 |
| Average total loans | $31,295,500 | 5,115 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7198% | 1,026 |
| Cost of funding earning assets | 0.1135% | 5,640 |
| Net interest margin | 4.6064% | 508 |
| Noninterest income to average assets | 0.7718% | 1,874 |
| Noninterest expense to average assets | 2.7678% | 3,125 |
| Loan and lease loss provision to assets | 0.0821% | 2,715 |
| Net operating income to assets | 2.2916% | 202 |
| Return on assets (ROA) | 2.2916% | 212 |
| Pretax return on assets | 2.2916% | 279 |
| Return on Equity (ROE) | 25.2696% | 73 |
| Retained earnings to average equity (ytd only) | 5.1505% | 2,239 |
| Net charge-offs to loans | 0.1689% | 1,608 |
| Credit loss provision to net charge-offs | 88.2353% | 2,835 |
| Earnings coverage of net charge-offs (x) | 25.5098% | 1,585 |
| Efficiency ratio | 53.8325% | 5,256 |
| Assets per employee ($millions) | 3.1501% | 5,217 |
| Cash dividends to net income (ytd only)* | 79.6178% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7028% | 5,352 |
| Loan loss allowance to noncurrent loans | 1,858.3333% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 5,299 |
| Noncurrent loans to loans | 0.0378% | 5,106 |
| Net loans and leases to total assets | 58.8325% | 3,983 |
| Net loans and leases to deposits | 67.4430% | 4,135 |
| Net loans and leases to core deposits | 69.0452% | 4,321 |
| Total domestic deposits to total assets | 87.2330% | 2,007 |
| Equity capital to assets | 9.3853% | 4,385 |
| Core capital (leverage) ratio | 9.6738% | 3,888 |
| Tier 1 risk-based capital ratio | 14.3232% | 3,269 |
| Total risk-based capital ratio | 14.9587% | 3,546 |
| Memoranda: | ||
| Average total assets | $54,808,200 | 5,249 |
| Average earning assets | $51,993,400 | 5,207 |
| Average equity | $4,970,400 | 5,474 |
| Average total loans | $30,193,400 | 5,181 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7315% | 1,008 |
| Cost of funding earning assets | 0.1122% | 5,710 |
| Net interest margin | 4.6194% | 490 |
| Noninterest income to average assets | 0.7789% | 1,847 |
| Noninterest expense to average assets | 2.7889% | 3,047 |
| Loan and lease loss provision to assets | 0.0653% | 2,922 |
| Net operating income to assets | 2.3075% | 207 |
| Return on assets (ROA) | 2.3075% | 219 |
| Pretax return on assets | 2.3075% | 313 |
| Return on Equity (ROE) | 25.6627% | 74 |
| Retained earnings to average equity (ytd only) | 9.5226% | 685 |
| Net charge-offs to loans | 0.0850% | 2,114 |
| Credit loss provision to net charge-offs | 142.1053% | 1,840 |
| Earnings coverage of net charge-offs (x) | 51.6372% | 1,047 |
| Efficiency ratio | 54.0300% | 5,240 |
| Assets per employee ($millions) | 3.0475% | 5,348 |
| Cash dividends to net income (ytd only)* | 62.8930% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7660% | 5,284 |
| Loan loss allowance to noncurrent loans | 718.1818% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 5,190 |
| Noncurrent loans to loans | 0.1067% | 4,914 |
| Net loans and leases to total assets | 59.2592% | 3,974 |
| Net loans and leases to deposits | 65.9060% | 4,353 |
| Net loans and leases to core deposits | 67.4762% | 4,510 |
| Total domestic deposits to total assets | 89.9147% | 516 |
| Equity capital to assets | 9.8904% | 4,252 |
| Core capital (leverage) ratio | 9.6974% | 3,938 |
| Tier 1 risk-based capital ratio | 15.0105% | 3,044 |
| Total risk-based capital ratio | 15.7048% | 3,238 |
| Memoranda: | ||
| Average total assets | $55,122,250 | 5,292 |
| Average earning assets | $52,300,250 | 5,247 |
| Average equity | $4,956,500 | 5,532 |
| Average total loans | $29,809,500 | 5,243 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7234% | 999 |
| Cost of funding earning assets | 0.1125% | 5,794 |
| Net interest margin | 4.6109% | 493 |
| Noninterest income to average assets | 0.7897% | 1,758 |
| Noninterest expense to average assets | 2.7176% | 3,329 |
| Loan and lease loss provision to assets | 0.0640% | 2,864 |
| Net operating income to assets | 2.3832% | 177 |
| Return on assets (ROA) | 2.3832% | 186 |
| Pretax return on assets | 2.3832% | 264 |
| Return on Equity (ROE) | 27.3432% | 65 |
| Retained earnings to average equity (ytd only) | 11.0189% | 439 |
| Net charge-offs to loans | 0.0272% | 2,934 |
| Credit loss provision to net charge-offs | 450.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 372 |
| Efficiency ratio | 52.6171% | 5,413 |
| Assets per employee ($millions) | 3.2095% | 5,191 |
| Cash dividends to net income (ytd only)* | 59.7015% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 5,180 |
| Loan loss allowance to noncurrent loans | 433.9286% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 5,102 |
| Noncurrent loans to loans | 0.1922% | 4,667 |
| Net loans and leases to total assets | 52.9416% | 4,597 |
| Net loans and leases to deposits | 59.0728% | 4,848 |
| Net loans and leases to core deposits | 60.4879% | 4,959 |
| Total domestic deposits to total assets | 89.6210% | 627 |
| Equity capital to assets | 9.2372% | 5,037 |
| Core capital (leverage) ratio | 9.0043% | 4,821 |
| Tier 1 risk-based capital ratio | 15.2270% | 2,972 |
| Total risk-based capital ratio | 15.9612% | 3,151 |
| Memoranda: | ||
| Average total assets | $56,227,000 | 5,332 |
| Average earning assets | $53,351,670 | 5,283 |
| Average equity | $4,900,670 | 5,598 |
| Average total loans | $29,433,330 | 5,313 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 1,332 |
| Cost of funding earning assets | 0.1099% | 5,869 |
| Net interest margin | 4.4633% | 654 |
| Noninterest income to average assets | 0.8412% | 1,470 |
| Noninterest expense to average assets | 2.7901% | 3,106 |
| Loan and lease loss provision to assets | 0.0631% | 2,689 |
| Net operating income to assets | 2.2573% | 214 |
| Return on assets (ROA) | 2.2573% | 226 |
| Pretax return on assets | 2.2573% | 339 |
| Return on Equity (ROE) | 26.6611% | 80 |
| Retained earnings to average equity (ytd only) | 10.1014% | 826 |
| Net charge-offs to loans | 0.0406% | 2,190 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 110.3333% | 503 |
| Efficiency ratio | 54.5953% | 5,326 |
| Assets per employee ($millions) | 3.3239% | 5,089 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7728% | 5,437 |
| Loan loss allowance to noncurrent loans | 2,136.3636% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 5,568 |
| Noncurrent loans to loans | 0.0362% | 5,350 |
| Net loans and leases to total assets | 53.4014% | 4,505 |
| Net loans and leases to deposits | 58.9137% | 4,786 |
| Net loans and leases to core deposits | 60.5498% | 4,902 |
| Total domestic deposits to total assets | 90.6435% | 382 |
| Equity capital to assets | 8.6575% | 5,453 |
| Core capital (leverage) ratio | 8.5451% | 5,349 |
| Tier 1 risk-based capital ratio | 14.1029% | 3,615 |
| Total risk-based capital ratio | 14.7803% | 3,890 |
| Memoranda: | ||
| Average total assets | $57,059,500 | 5,365 |
| Average earning assets | $54,579,000 | 5,305 |
| Average equity | $4,831,000 | 5,653 |
| Average total loans | $29,585,500 | 5,353 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 1,940 |
| Cost of funding earning assets | 0.1137% | 5,908 |
| Net interest margin | 4.2756% | 1,008 |
| Noninterest income to average assets | 0.6556% | 2,434 |
| Noninterest expense to average assets | 2.6310% | 3,815 |
| Loan and lease loss provision to assets | 0.0787% | 2,710 |
| Net operating income to assets | 2.0028% | 344 |
| Return on assets (ROA) | 2.0028% | 351 |
| Pretax return on assets | 2.0028% | 537 |
| Return on Equity (ROE) | 25.2885% | 99 |
| Retained earnings to average equity (ytd only) | 7.9972% | 918 |
| Net charge-offs to loans | 0.1345% | 2,016 |
| Credit loss provision to net charge-offs | 117.9487% | 2,184 |
| Earnings coverage of net charge-offs (x) | 31.1795% | 1,412 |
| Efficiency ratio | 55.8300% | 5,359 |
| Assets per employee ($millions) | 3.3890% | 4,996 |
| Cash dividends to net income (ytd only)* | 68.3761% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 5,415 |
| Loan loss allowance to noncurrent loans | 1,908.3333% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 5,609 |
| Noncurrent loans to loans | 0.0417% | 5,348 |
| Net loans and leases to total assets | 49.5235% | 4,910 |
| Net loans and leases to deposits | 54.0276% | 5,162 |
| Net loans and leases to core deposits | 55.1855% | 5,243 |
| Total domestic deposits to total assets | 91.6633% | 147 |
| Equity capital to assets | 8.2794% | 5,719 |
| Core capital (leverage) ratio | 8.2935% | 5,610 |
| Tier 1 risk-based capital ratio | 14.4366% | 3,475 |
| Total risk-based capital ratio | 15.1297% | 3,713 |
| Memoranda: | ||
| Average total assets | $58,418,000 | 5,356 |
| Average earning assets | $55,430,200 | 5,310 |
| Average equity | $4,626,600 | 5,738 |
| Average total loans | $28,998,200 | 5,403 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 1,983 |
| Cost of funding earning assets | 0.1153% | 5,999 |
| Net interest margin | 4.2646% | 1,031 |
| Noninterest income to average assets | 0.6687% | 2,393 |
| Noninterest expense to average assets | 2.6589% | 3,689 |
| Loan and lease loss provision to assets | 0.0773% | 2,636 |
| Net operating income to assets | 1.9697% | 383 |
| Return on assets (ROA) | 1.9697% | 395 |
| Pretax return on assets | 1.9697% | 636 |
| Return on Equity (ROE) | 25.1514% | 115 |
| Retained earnings to average equity (ytd only) | 12.0819% | 356 |
| Net charge-offs to loans | 0.1606% | 1,542 |
| Credit loss provision to net charge-offs | 97.1429% | 2,350 |
| Earnings coverage of net charge-offs (x) | 25.7118% | 1,651 |
| Efficiency ratio | 56.5007% | 5,284 |
| Assets per employee ($millions) | 3.4059% | 4,970 |
| Cash dividends to net income (ytd only)* | 51.9634% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 5,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 51.1969% | 4,833 |
| Net loans and leases to deposits | 55.9460% | 5,128 |
| Net loans and leases to core deposits | 57.1409% | 5,246 |
| Total domestic deposits to total assets | 91.5112% | 154 |
| Equity capital to assets | 8.3178% | 5,821 |
| Core capital (leverage) ratio | 8.0432% | 5,877 |
| Tier 1 risk-based capital ratio | 13.9473% | 3,876 |
| Total risk-based capital ratio | 14.5873% | 4,150 |
| Memoranda: | ||
| Average total assets | $58,619,250 | 5,420 |
| Average earning assets | $55,494,750 | 5,373 |
| Average equity | $4,590,750 | 5,820 |
| Average total loans | $29,057,500 | 5,465 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 2,279 |
| Cost of funding earning assets | 0.1117% | 6,084 |
| Net interest margin | 4.1596% | 1,203 |
| Noninterest income to average assets | 0.6864% | 2,271 |
| Noninterest expense to average assets | 2.6776% | 3,664 |
| Loan and lease loss provision to assets | 0.0612% | 2,880 |
| Net operating income to assets | 1.8689% | 453 |
| Return on assets (ROA) | 1.8689% | 472 |
| Pretax return on assets | 1.8689% | 788 |
| Return on Equity (ROE) | 24.3596% | 130 |
| Retained earnings to average equity (ytd only) | 11.0726% | 498 |
| Net charge-offs to loans | 0.1181% | 1,826 |
| Credit loss provision to net charge-offs | 105.8824% | 1,975 |
| Earnings coverage of net charge-offs (x) | 33.4118% | 1,274 |
| Efficiency ratio | 58.1121% | 5,210 |
| Assets per employee ($millions) | 3.4138% | 4,958 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7503% | 5,712 |
| Loan loss allowance to noncurrent loans | 796.4286% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 5,665 |
| Noncurrent loans to loans | 0.0942% | 5,365 |
| Net loans and leases to total assets | 50.8288% | 4,861 |
| Net loans and leases to deposits | 56.4339% | 5,095 |
| Net loans and leases to core deposits | 57.9449% | 5,198 |
| Total domestic deposits to total assets | 90.0679% | 633 |
| Equity capital to assets | 8.0125% | 5,978 |
| Core capital (leverage) ratio | 7.9775% | 5,942 |
| Tier 1 risk-based capital ratio | 13.5850% | 4,168 |
| Total risk-based capital ratio | 14.2365% | 4,443 |
| Memoranda: | ||
| Average total assets | $58,859,000 | 5,468 |
| Average earning assets | $55,486,330 | 5,426 |
| Average equity | $4,515,670 | 5,893 |
| Average total loans | $28,788,670 | 5,527 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1954% | 2,476 |
| Cost of funding earning assets | 0.1083% | 6,171 |
| Net interest margin | 4.0871% | 1,313 |
| Noninterest income to average assets | 0.5871% | 2,724 |
| Noninterest expense to average assets | 2.6994% | 3,592 |
| Loan and lease loss provision to assets | 0.0405% | 3,101 |
| Net operating income to assets | 1.6669% | 639 |
| Return on assets (ROA) | 1.6669% | 670 |
| Pretax return on assets | 1.6669% | 1,123 |
| Return on Equity (ROE) | 22.2097% | 181 |
| Retained earnings to average equity (ytd only) | 8.7220% | 1,299 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2557% | 4,925 |
| Assets per employee ($millions) | 3.4305% | 5,029 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 5,672 |
| Loan loss allowance to noncurrent loans | 1,628.5714% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 5,846 |
| Noncurrent loans to loans | 0.0498% | 5,582 |
| Net loans and leases to total assets | 47.7735% | 5,057 |
| Net loans and leases to deposits | 51.8084% | 5,343 |
| Net loans and leases to core deposits | 53.7909% | 5,378 |
| Total domestic deposits to total assets | 92.2118% | 129 |
| Equity capital to assets | 7.7110% | 6,121 |
| Core capital (leverage) ratio | 7.7307% | 6,053 |
| Tier 1 risk-based capital ratio | 13.7763% | 4,163 |
| Total risk-based capital ratio | 14.4748% | 4,405 |
| Memoranda: | ||
| Average total assets | $59,271,500 | 5,516 |
| Average earning assets | $55,394,000 | 5,479 |
| Average equity | $4,448,500 | 5,958 |
| Average total loans | $28,322,500 | 5,576 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0600% | 3,483 |
| Cost of funding earning assets | 0.1395% | 6,159 |
| Net interest margin | 3.9205% | 2,156 |
| Noninterest income to average assets | 0.7232% | 2,198 |
| Noninterest expense to average assets | 2.6510% | 4,046 |
| Loan and lease loss provision to assets | 0.0210% | 4,194 |
| Net operating income to assets | 1.7422% | 528 |
| Return on assets (ROA) | 1.7422% | 540 |
| Pretax return on assets | 1.7422% | 905 |
| Return on Equity (ROE) | 23.7561% | 128 |
| Retained earnings to average equity (ytd only) | 9.4308% | 617 |
| Net charge-offs to loans | 0.0997% | 3,083 |
| Credit loss provision to net charge-offs | 46.1538% | 3,566 |
| Earnings coverage of net charge-offs (x) | 38.7308% | 1,116 |
| Efficiency ratio | 60.0555% | 5,216 |
| Assets per employee ($millions) | 3.5426% | 4,837 |
| Cash dividends to net income (ytd only)* | 60.3015% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7774% | 5,833 |
| Loan loss allowance to noncurrent loans | 4,440.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 6,039 |
| Noncurrent loans to loans | 0.0175% | 5,830 |
| Net loans and leases to total assets | 47.0477% | 5,245 |
| Net loans and leases to deposits | 50.7905% | 5,543 |
| Net loans and leases to core deposits | 52.1766% | 5,607 |
| Total domestic deposits to total assets | 92.6308% | 88 |
| Equity capital to assets | 7.3061% | 6,279 |
| Core capital (leverage) ratio | 7.6852% | 6,135 |
| Tier 1 risk-based capital ratio | 12.6710% | 4,933 |
| Total risk-based capital ratio | 13.3103% | 5,228 |
| Memoranda: | ||
| Average total assets | $57,110,200 | 5,622 |
| Average earning assets | $53,768,000 | 5,574 |
| Average equity | $4,188,400 | 6,052 |
| Average total loans | $26,066,400 | 5,734 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 3,545 |
| Cost of funding earning assets | 0.1452% | 6,209 |
| Net interest margin | 3.9077% | 2,205 |
| Noninterest income to average assets | 0.7053% | 2,301 |
| Noninterest expense to average assets | 2.6675% | 3,952 |
| Loan and lease loss provision to assets | 0.0071% | 4,276 |
| Net operating income to assets | 1.7255% | 586 |
| Return on assets (ROA) | 1.7255% | 607 |
| Pretax return on assets | 1.7255% | 1,023 |
| Return on Equity (ROE) | 23.5033% | 140 |
| Retained earnings to average equity (ytd only) | 8.9950% | 1,007 |
| Net charge-offs to loans | 0.1100% | 2,698 |
| Credit loss provision to net charge-offs | 14.2857% | 3,642 |
| Earnings coverage of net charge-offs (x) | 34.8564% | 1,240 |
| Efficiency ratio | 60.6240% | 5,104 |
| Assets per employee ($millions) | 3.2996% | 5,238 |
| Cash dividends to net income (ytd only)* | 61.7286% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 5,772 |
| Loan loss allowance to noncurrent loans | 2,422.2222% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 6,111 |
| Noncurrent loans to loans | 0.0347% | 5,887 |
| Net loans and leases to total assets | 45.9051% | 5,389 |
| Net loans and leases to deposits | 49.9612% | 5,650 |
| Net loans and leases to core deposits | 51.4506% | 5,718 |
| Total domestic deposits to total assets | 91.8815% | 171 |
| Equity capital to assets | 7.6372% | 6,279 |
| Core capital (leverage) ratio | 7.4370% | 6,302 |
| Tier 1 risk-based capital ratio | 13.3666% | 4,629 |
| Total risk-based capital ratio | 14.0468% | 4,889 |
| Memoranda: | ||
| Average total assets | $56,331,750 | 5,707 |
| Average earning assets | $53,261,500 | 5,654 |
| Average equity | $4,135,500 | 6,126 |
| Average total loans | $25,444,000 | 5,822 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9814% | 3,807 |
| Cost of funding earning assets | 0.1543% | 6,242 |
| Net interest margin | 3.8271% | 2,456 |
| Noninterest income to average assets | 0.7339% | 2,122 |
| Noninterest expense to average assets | 2.6555% | 4,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6841% | 594 |
| Return on assets (ROA) | 1.6841% | 630 |
| Pretax return on assets | 1.6841% | 1,053 |
| Return on Equity (ROE) | 23.2501% | 159 |
| Retained earnings to average equity (ytd only) | 8.5658% | 1,125 |
| Net charge-offs to loans | 0.0950% | 2,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 39.5833% | 1,070 |
| Efficiency ratio | 61.1928% | 5,117 |
| Assets per employee ($millions) | 3.3581% | 5,143 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 5,787 |
| Loan loss allowance to noncurrent loans | 933.3333% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 6,073 |
| Noncurrent loans to loans | 0.0940% | 5,733 |
| Net loans and leases to total assets | 44.3148% | 5,514 |
| Net loans and leases to deposits | 47.8766% | 5,778 |
| Net loans and leases to core deposits | 49.2764% | 5,836 |
| Total domestic deposits to total assets | 92.5605% | 114 |
| Equity capital to assets | 7.3222% | 6,386 |
| Core capital (leverage) ratio | 7.5195% | 6,309 |
| Tier 1 risk-based capital ratio | 13.3726% | 4,667 |
| Total risk-based capital ratio | 14.0892% | 4,950 |
| Memoranda: | ||
| Average total assets | $56,411,000 | 5,752 |
| Average earning assets | $53,147,670 | 5,706 |
| Average equity | $4,086,000 | 6,181 |
| Average total loans | $25,269,330 | 5,868 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 3,819 |
| Cost of funding earning assets | 0.1682% | 6,239 |
| Net interest margin | 3.8000% | 2,470 |
| Noninterest income to average assets | 0.6848% | 2,257 |
| Noninterest expense to average assets | 2.6751% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5551% | 724 |
| Return on assets (ROA) | 1.5551% | 757 |
| Pretax return on assets | 1.5551% | 1,277 |
| Return on Equity (ROE) | 21.5895% | 218 |
| Retained earnings to average equity (ytd only) | 6.7343% | 2,173 |
| Net charge-offs to loans | 0.1114% | 2,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 31.1429% | 1,025 |
| Efficiency ratio | 63.2378% | 4,969 |
| Assets per employee ($millions) | 3.2778% | 5,389 |
| Cash dividends to net income (ytd only)* | 68.8073% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 5,857 |
| Loan loss allowance to noncurrent loans | 11,450.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 6,329 |
| Noncurrent loans to loans | 0.0079% | 6,159 |
| Net loans and leases to total assets | 45.0540% | 5,422 |
| Net loans and leases to deposits | 48.6625% | 5,694 |
| Net loans and leases to core deposits | 50.3803% | 5,735 |
| Total domestic deposits to total assets | 92.5846% | 158 |
| Equity capital to assets | 7.3095% | 6,376 |
| Core capital (leverage) ratio | 7.3981% | 6,373 |
| Tier 1 risk-based capital ratio | 13.1510% | 4,922 |
| Total risk-based capital ratio | 13.8904% | 5,163 |
| Memoranda: | ||
| Average total assets | $56,073,000 | 5,813 |
| Average earning assets | $52,316,000 | 5,779 |
| Average equity | $4,039,000 | 6,243 |
| Average total loans | $25,143,000 | 5,932 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7718% | 4,903 |
| Cost of funding earning assets | 0.1674% | 6,457 |
| Net interest margin | 3.6044% | 3,447 |
| Noninterest income to average assets | 0.9188% | 1,616 |
| Noninterest expense to average assets | 2.7379% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.5908% | 706 |
| Return on assets (ROA) | 1.5908% | 725 |
| Pretax return on assets | 1.5908% | 1,193 |
| Return on Equity (ROE) | 22.2188% | 194 |
| Retained earnings to average equity (ytd only) | 6.7891% | 1,531 |
| Net charge-offs to loans | 0.1246% | 3,563 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 29.7931% | 1,196 |
| Efficiency ratio | 63.2497% | 5,015 |
| Assets per employee ($millions) | 3.3191% | 5,245 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 5,774 |
| Loan loss allowance to noncurrent loans | 737.5000% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 6,191 |
| Noncurrent loans to loans | 0.1282% | 5,820 |
| Net loans and leases to total assets | 43.8041% | 5,691 |
| Net loans and leases to deposits | 48.0744% | 5,895 |
| Net loans and leases to core deposits | 50.0486% | 5,932 |
| Total domestic deposits to total assets | 91.1173% | 529 |
| Equity capital to assets | 7.0980% | 6,433 |
| Core capital (leverage) ratio | 7.4034% | 6,412 |
| Tier 1 risk-based capital ratio | 13.0197% | 4,956 |
| Total risk-based capital ratio | 13.7869% | 5,223 |
| Memoranda: | ||
| Average total assets | $54,312,200 | 5,910 |
| Average earning assets | $51,381,800 | 5,849 |
| Average equity | $3,888,600 | 6,349 |
| Average total loans | $23,275,400 | 6,070 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 5,044 |
| Cost of funding earning assets | 0.1696% | 6,555 |
| Net interest margin | 3.5767% | 3,549 |
| Noninterest income to average assets | 1.0040% | 1,441 |
| Noninterest expense to average assets | 2.7492% | 3,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6535% | 676 |
| Return on assets (ROA) | 1.6535% | 711 |
| Pretax return on assets | 1.6535% | 1,203 |
| Return on Equity (ROE) | 23.0421% | 169 |
| Retained earnings to average equity (ytd only) | 7.4966% | 1,644 |
| Net charge-offs to loans | 0.1750% | 2,823 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 22.2328% | 1,507 |
| Efficiency ratio | 62.4437% | 5,071 |
| Assets per employee ($millions) | 3.2732% | 5,335 |
| Cash dividends to net income (ytd only)* | 67.4669% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 5,888 |
| Loan loss allowance to noncurrent loans | 2,136.3636% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 6,434 |
| Noncurrent loans to loans | 0.0449% | 6,210 |
| Net loans and leases to total assets | 43.6068% | 5,762 |
| Net loans and leases to deposits | 48.3771% | 5,936 |
| Net loans and leases to core deposits | 49.8992% | 6,023 |
| Total domestic deposits to total assets | 90.1393% | 920 |
| Equity capital to assets | 7.1129% | 6,518 |
| Core capital (leverage) ratio | 7.1667% | 6,556 |
| Tier 1 risk-based capital ratio | 13.1495% | 5,016 |
| Total risk-based capital ratio | 13.9302% | 5,281 |
| Memoranda: | ||
| Average total assets | $53,784,250 | 5,988 |
| Average earning assets | $51,106,500 | 5,924 |
| Average equity | $3,859,500 | 6,439 |
| Average total loans | $22,856,250 | 6,147 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6978% | 5,150 |
| Cost of funding earning assets | 0.1661% | 6,638 |
| Net interest margin | 3.5317% | 3,648 |
| Noninterest income to average assets | 1.1700% | 1,110 |
| Noninterest expense to average assets | 2.7650% | 3,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7644% | 552 |
| Return on assets (ROA) | 1.7644% | 596 |
| Pretax return on assets | 1.7644% | 990 |
| Return on Equity (ROE) | 24.5122% | 131 |
| Retained earnings to average equity (ytd only) | 8.8327% | 1,178 |
| Net charge-offs to loans | 0.1703% | 2,760 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 24.6842% | 1,288 |
| Efficiency ratio | 61.0465% | 5,324 |
| Assets per employee ($millions) | 3.1945% | 5,495 |
| Cash dividends to net income (ytd only)* | 63.9659% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 5,519 |
| Loan loss allowance to noncurrent loans | 1,537.5000% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 6,444 |
| Noncurrent loans to loans | 0.0703% | 6,186 |
| Net loans and leases to total assets | 41.4613% | 5,935 |
| Net loans and leases to deposits | 44.7350% | 6,184 |
| Net loans and leases to core deposits | 46.1460% | 6,231 |
| Total domestic deposits to total assets | 92.6822% | 158 |
| Equity capital to assets | 7.1999% | 6,545 |
| Core capital (leverage) ratio | 7.3696% | 6,506 |
| Tier 1 risk-based capital ratio | 13.7169% | 4,632 |
| Total risk-based capital ratio | 14.5799% | 4,841 |
| Memoranda: | ||
| Average total assets | $53,164,000 | 6,045 |
| Average earning assets | $50,571,000 | 5,975 |
| Average equity | $3,826,670 | 6,490 |
| Average total loans | $22,308,330 | 6,205 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6879% | 5,208 |
| Cost of funding earning assets | 0.1676% | 6,742 |
| Net interest margin | 3.5203% | 3,617 |
| Noninterest income to average assets | 1.2625% | 960 |
| Noninterest expense to average assets | 2.8065% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8101% | 472 |
| Return on assets (ROA) | 1.8101% | 522 |
| Pretax return on assets | 1.8101% | 862 |
| Return on Equity (ROE) | 25.1519% | 121 |
| Retained earnings to average equity (ytd only) | 9.2999% | 1,285 |
| Net charge-offs to loans | 0.3442% | 1,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 12.5263% | 1,593 |
| Efficiency ratio | 60.7908% | 5,479 |
| Assets per employee ($millions) | 3.1308% | 5,766 |
| Cash dividends to net income (ytd only)* | 63.0252% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,557 |
| Loan loss allowance to noncurrent loans | 1,892.3077% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 6,360 |
| Noncurrent loans to loans | 0.0587% | 6,299 |
| Net loans and leases to total assets | 41.1130% | 5,911 |
| Net loans and leases to deposits | 44.3476% | 6,178 |
| Net loans and leases to core deposits | 46.7784% | 6,162 |
| Total domestic deposits to total assets | 92.7063% | 150 |
| Equity capital to assets | 7.1941% | 6,677 |
| Core capital (leverage) ratio | 7.3092% | 6,539 |
| Tier 1 risk-based capital ratio | 14.0751% | 4,457 |
| Total risk-based capital ratio | 14.9794% | 4,666 |
| Memoranda: | ||
| Average total assets | $52,593,000 | 6,110 |
| Average earning assets | $50,110,000 | 6,048 |
| Average equity | $3,785,000 | 6,561 |
| Average total loans | $22,081,500 | 6,274 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 4,752 |
| Cost of funding earning assets | 0.2341% | 6,736 |
| Net interest margin | 3.9217% | 2,736 |
| Noninterest income to average assets | 0.7521% | 2,483 |
| Noninterest expense to average assets | 3.0360% | 3,145 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4290% | 1,049 |
| Return on assets (ROA) | 1.4290% | 1,164 |
| Pretax return on assets | 1.4290% | 1,940 |
| Return on Equity (ROE) | 19.3151% | 331 |
| Retained earnings to average equity (ytd only) | 1.9262% | 4,863 |
| Net charge-offs to loans | 0.0129% | 5,737 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 240.6667% | 173 |
| Efficiency ratio | 67.9965% | 4,143 |
| Assets per employee ($millions) | 3.0566% | 5,928 |
| Cash dividends to net income (ytd only)* | 90.0277% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 5,100 |
| Loan loss allowance to noncurrent loans | 2,208.3333% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 6,416 |
| Noncurrent loans to loans | 0.0545% | 6,358 |
| Net loans and leases to total assets | 41.8960% | 6,019 |
| Net loans and leases to deposits | 45.1782% | 6,296 |
| Net loans and leases to core deposits | 46.9748% | 6,327 |
| Total domestic deposits to total assets | 92.7351% | 158 |
| Equity capital to assets | 7.1995% | 6,724 |
| Core capital (leverage) ratio | 7.4645% | 6,516 |
| Tier 1 risk-based capital ratio | 13.7522% | 4,561 |
| Total risk-based capital ratio | 14.7263% | 4,725 |
| Memoranda: | ||
| Average total assets | $50,526,600 | 6,201 |
| Average earning assets | $47,837,000 | 6,126 |
| Average equity | $3,738,000 | 6,626 |
| Average total loans | $23,196,600 | 6,282 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 4,434 |
| Cost of funding earning assets | 0.2524% | 6,798 |
| Net interest margin | 4.0528% | 2,279 |
| Noninterest income to average assets | 0.7760% | 2,348 |
| Noninterest expense to average assets | 3.0404% | 3,094 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5760% | 903 |
| Return on assets (ROA) | 1.5760% | 1,001 |
| Pretax return on assets | 1.5760% | 1,657 |
| Return on Equity (ROE) | 21.1559% | 275 |
| Retained earnings to average equity (ytd only) | 4.2098% | 3,930 |
| Net charge-offs to loans | 0.0170% | 5,444 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 197.6625% | 227 |
| Efficiency ratio | 65.8607% | 4,471 |
| Assets per employee ($millions) | 2.9141% | 6,193 |
| Cash dividends to net income (ytd only)* | 80.1012% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 5,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 6,609 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 46.2293% | 5,743 |
| Net loans and leases to deposits | 50.1566% | 6,097 |
| Net loans and leases to core deposits | 52.2650% | 6,165 |
| Total domestic deposits to total assets | 92.1700% | 192 |
| Equity capital to assets | 7.6443% | 6,730 |
| Core capital (leverage) ratio | 7.5960% | 6,566 |
| Tier 1 risk-based capital ratio | 13.8571% | 4,643 |
| Total risk-based capital ratio | 14.8267% | 4,798 |
| Memoranda: | ||
| Average total assets | $50,167,750 | 6,280 |
| Average earning assets | $47,537,500 | 6,209 |
| Average equity | $3,737,250 | 6,708 |
| Average total loans | $23,487,000 | 6,351 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 4,167 |
| Cost of funding earning assets | 0.2638% | 6,862 |
| Net interest margin | 4.1413% | 1,937 |
| Noninterest income to average assets | 0.8020% | 2,168 |
| Noninterest expense to average assets | 3.0371% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6912% | 686 |
| Return on assets (ROA) | 1.6912% | 770 |
| Pretax return on assets | 1.6912% | 1,282 |
| Return on Equity (ROE) | 22.8991% | 214 |
| Retained earnings to average equity (ytd only) | 5.4291% | 3,026 |
| Net charge-offs to loans | 0.0339% | 4,904 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 106.5000% | 403 |
| Efficiency ratio | 64.2317% | 4,858 |
| Assets per employee ($millions) | 2.9711% | 6,123 |
| Cash dividends to net income (ytd only)* | 76.2911% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 5,561 |
| Loan loss allowance to noncurrent loans | 942.8571% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 6,517 |
| Noncurrent loans to loans | 0.1222% | 6,361 |
| Net loans and leases to total assets | 44.8395% | 5,935 |
| Net loans and leases to deposits | 49.3377% | 6,216 |
| Net loans and leases to core deposits | 51.0965% | 6,293 |
| Total domestic deposits to total assets | 90.8828% | 491 |
| Equity capital to assets | 7.4640% | 6,806 |
| Core capital (leverage) ratio | 7.3806% | 6,674 |
| Tier 1 risk-based capital ratio | 13.6327% | 4,716 |
| Total risk-based capital ratio | 14.5874% | 4,902 |
| Memoranda: | ||
| Average total assets | $50,377,000 | 6,316 |
| Average earning assets | $47,762,670 | 6,239 |
| Average equity | $3,720,670 | 6,750 |
| Average total loans | $23,593,670 | 6,383 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 3,597 |
| Cost of funding earning assets | 0.2857% | 6,885 |
| Net interest margin | 4.2937% | 1,485 |
| Noninterest income to average assets | 0.8746% | 1,851 |
| Noninterest expense to average assets | 3.1166% | 2,858 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8207% | 577 |
| Return on assets (ROA) | 1.8207% | 650 |
| Pretax return on assets | 1.8207% | 1,034 |
| Return on Equity (ROE) | 24.7835% | 190 |
| Retained earnings to average equity (ytd only) | 5.8442% | 3,049 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1240% | 5,082 |
| Assets per employee ($millions) | 3.0505% | 6,059 |
| Cash dividends to net income (ytd only)* | 76.4192% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 5,855 |
| Loan loss allowance to noncurrent loans | 1,165.2174% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 6,634 |
| Noncurrent loans to loans | 0.0955% | 6,522 |
| Net loans and leases to total assets | 45.9457% | 5,785 |
| Net loans and leases to deposits | 50.4777% | 6,098 |
| Net loans and leases to core deposits | 53.0692% | 6,123 |
| Total domestic deposits to total assets | 91.0218% | 548 |
| Equity capital to assets | 7.1791% | 6,884 |
| Core capital (leverage) ratio | 7.5215% | 6,619 |
| Tier 1 risk-based capital ratio | 12.9581% | 5,247 |
| Total risk-based capital ratio | 13.8909% | 5,453 |
| Memoranda: | ||
| Average total assets | $50,311,000 | 6,365 |
| Average earning assets | $47,605,000 | 6,286 |
| Average equity | $3,696,000 | 6,799 |
| Average total loans | $23,934,500 | 6,422 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 3,785 |
| Cost of funding earning assets | 0.4447% | 6,747 |
| Net interest margin | 4.3602% | 1,513 |
| Noninterest income to average assets | 0.8265% | 1,941 |
| Noninterest expense to average assets | 3.0310% | 3,475 |
| Loan and lease loss provision to assets | 0.0431% | 6,038 |
| Net operating income to assets | 1.8949% | 382 |
| Return on assets (ROA) | 1.8949% | 414 |
| Pretax return on assets | 1.8949% | 669 |
| Return on Equity (ROE) | 25.5390% | 94 |
| Retained earnings to average equity (ytd only) | 6.1913% | 1,913 |
| Net charge-offs to loans | 0.0284% | 6,039 |
| Credit loss provision to net charge-offs | 300.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 249 |
| Efficiency ratio | 60.9988% | 5,605 |
| Assets per employee ($millions) | 2.8684% | 6,340 |
| Cash dividends to net income (ytd only)* | 75.7576% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 5,707 |
| Loan loss allowance to noncurrent loans | 1,165.2174% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 6,240 |
| Noncurrent loans to loans | 0.0967% | 6,572 |
| Net loans and leases to total assets | 48.2046% | 5,801 |
| Net loans and leases to deposits | 52.1660% | 6,198 |
| Net loans and leases to core deposits | 55.3943% | 6,200 |
| Total domestic deposits to total assets | 92.4061% | 188 |
| Equity capital to assets | 7.5241% | 6,802 |
| Core capital (leverage) ratio | 7.7044% | 6,530 |
| Tier 1 risk-based capital ratio | 12.8814% | 5,169 |
| Total risk-based capital ratio | 13.8223% | 5,380 |
| Memoranda: | ||
| Average total assets | $48,762,000 | 6,400 |
| Average earning assets | $46,328,000 | 6,323 |
| Average equity | $3,618,000 | 6,848 |
| Average total loans | $24,623,600 | 6,440 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9758% | 3,209 |
| Cost of funding earning assets | 0.4864% | 6,761 |
| Net interest margin | 4.4895% | 1,175 |
| Noninterest income to average assets | 0.8668% | 1,763 |
| Noninterest expense to average assets | 3.0214% | 3,480 |
| Loan and lease loss provision to assets | 0.0410% | 5,925 |
| Net operating income to assets | 2.0699% | 309 |
| Return on assets (ROA) | 2.0699% | 329 |
| Pretax return on assets | 2.0699% | 548 |
| Return on Equity (ROE) | 27.9956% | 78 |
| Retained earnings to average equity (ytd only) | 11.3534% | 577 |
| Net charge-offs to loans | 0.0322% | 5,698 |
| Credit loss provision to net charge-offs | 250.0000% | 1,141 |
| Earnings coverage of net charge-offs (x) | 128.6638% | 288 |
| Efficiency ratio | 58.8705% | 5,885 |
| Assets per employee ($millions) | 2.7630% | 6,556 |
| Cash dividends to net income (ytd only)* | 59.4456% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 5,635 |
| Loan loss allowance to noncurrent loans | 710.8108% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 6,242 |
| Noncurrent loans to loans | 0.1633% | 6,541 |
| Net loans and leases to total assets | 47.6762% | 5,995 |
| Net loans and leases to deposits | 51.9233% | 6,371 |
| Net loans and leases to core deposits | 55.3225% | 6,363 |
| Total domestic deposits to total assets | 91.8205% | 236 |
| Equity capital to assets | 7.9879% | 6,700 |
| Core capital (leverage) ratio | 7.9638% | 6,431 |
| Tier 1 risk-based capital ratio | 14.6677% | 3,854 |
| Total risk-based capital ratio | 15.6959% | 3,986 |
| Memoranda: | ||
| Average total assets | $48,761,750 | 6,460 |
| Average earning assets | $46,329,500 | 6,373 |
| Average equity | $3,605,250 | 6,910 |
| Average total loans | $24,836,000 | 6,489 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 2,633 |
| Cost of funding earning assets | 0.5384% | 6,710 |
| Net interest margin | 4.5717% | 967 |
| Noninterest income to average assets | 0.8590% | 1,776 |
| Noninterest expense to average assets | 3.0106% | 3,602 |
| Loan and lease loss provision to assets | 0.0486% | 5,706 |
| Net operating income to assets | 2.1354% | 283 |
| Return on assets (ROA) | 2.1354% | 290 |
| Pretax return on assets | 2.1354% | 459 |
| Return on Equity (ROE) | 29.6373% | 73 |
| Retained earnings to average equity (ytd only) | 12.7660% | 411 |
| Net charge-offs to loans | 0.0469% | 5,197 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 89.8333% | 398 |
| Efficiency ratio | 57.9563% | 6,167 |
| Assets per employee ($millions) | 2.7296% | 6,597 |
| Cash dividends to net income (ytd only)* | 56.9260% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 6,154 |
| Loan loss allowance to noncurrent loans | 188.4058% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 6,390 |
| Noncurrent loans to loans | 0.5557% | 5,807 |
| Net loans and leases to total assets | 52.9545% | 5,445 |
| Net loans and leases to deposits | 57.6074% | 5,975 |
| Net loans and leases to core deposits | 61.7164% | 5,920 |
| Total domestic deposits to total assets | 91.9231% | 251 |
| Equity capital to assets | 7.9131% | 6,738 |
| Core capital (leverage) ratio | 7.4627% | 6,767 |
| Tier 1 risk-based capital ratio | 13.0010% | 4,912 |
| Total risk-based capital ratio | 13.9215% | 5,173 |
| Memoranda: | ||
| Average total assets | $49,358,670 | 6,504 |
| Average earning assets | $46,809,330 | 6,409 |
| Average equity | $3,556,330 | 6,966 |
| Average total loans | $25,562,330 | 6,505 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8201% | 3,960 |
| Cost of funding earning assets | 0.6046% | 6,595 |
| Net interest margin | 4.2155% | 1,854 |
| Noninterest income to average assets | 0.9363% | 1,518 |
| Noninterest expense to average assets | 2.8956% | 4,072 |
| Loan and lease loss provision to assets | 0.0236% | 5,665 |
| Net operating income to assets | 2.0222% | 342 |
| Return on assets (ROA) | 2.0222% | 359 |
| Pretax return on assets | 2.0222% | 541 |
| Return on Equity (ROE) | 29.3840% | 89 |
| Retained earnings to average equity (ytd only) | 12.2338% | 703 |
| Net charge-offs to loans | 0.0926% | 4,015 |
| Credit loss provision to net charge-offs | 50.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 43.3333% | 647 |
| Efficiency ratio | 58.5987% | 6,192 |
| Assets per employee ($millions) | 3.1574% | 5,825 |
| Cash dividends to net income (ytd only)* | 58.3658% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 6,579 |
| Loan loss allowance to noncurrent loans | 94.3609% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 5,983 |
| Noncurrent loans to loans | 0.9983% | 5,050 |
| Net loans and leases to total assets | 49.1728% | 5,940 |
| Net loans and leases to deposits | 52.7184% | 6,420 |
| Net loans and leases to core deposits | 61.3457% | 5,986 |
| Total domestic deposits to total assets | 93.2745% | 114 |
| Equity capital to assets | 6.6175% | 7,180 |
| Core capital (leverage) ratio | 7.0321% | 6,992 |
| Tier 1 risk-based capital ratio | 11.3573% | 6,207 |
| Total risk-based capital ratio | 12.1599% | 6,545 |
| Memoranda: | ||
| Average total assets | $50,836,000 | 6,504 |
| Average earning assets | $48,297,500 | 6,402 |
| Average equity | $3,498,500 | 7,016 |
| Average total loans | $25,927,000 | 6,530 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3814% | 2,762 |
| Cost of funding earning assets | 0.8292% | 6,447 |
| Net interest margin | 4.5522% | 1,129 |
| Noninterest income to average assets | 0.9439% | 1,686 |
| Noninterest expense to average assets | 3.1217% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.1283% | 220 |
| Return on assets (ROA) | 2.1283% | 233 |
| Pretax return on assets | 2.1283% | 373 |
| Return on Equity (ROE) | 28.6466% | 52 |
| Retained earnings to average equity (ytd only) | 8.2280% | 907 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4606% | 6,122 |
| Assets per employee ($millions) | 2.8233% | 6,486 |
| Cash dividends to net income (ytd only)* | 71.2777% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 6,355 |
| Loan loss allowance to noncurrent loans | 101.1952% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 5,988 |
| Noncurrent loans to loans | 0.9957% | 5,068 |
| Net loans and leases to total assets | 51.9939% | 5,909 |
| Net loans and leases to deposits | 56.0824% | 6,442 |
| Net loans and leases to core deposits | 65.2930% | 5,946 |
| Total domestic deposits to total assets | 92.7098% | 164 |
| Equity capital to assets | 7.1777% | 7,046 |
| Core capital (leverage) ratio | 7.3960% | 6,791 |
| Tier 1 risk-based capital ratio | 11.9651% | 5,504 |
| Total risk-based capital ratio | 12.8473% | 5,836 |
| Memoranda: | ||
| Average total assets | $44,495,600 | 6,715 |
| Average earning assets | $42,089,400 | 6,636 |
| Average equity | $3,305,800 | 7,191 |
| Average total loans | $23,210,200 | 6,768 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5997% | 2,063 |
| Cost of funding earning assets | 0.8685% | 6,512 |
| Net interest margin | 4.7313% | 782 |
| Noninterest income to average assets | 0.9873% | 1,496 |
| Noninterest expense to average assets | 3.1728% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.2772% | 200 |
| Return on assets (ROA) | 2.2772% | 217 |
| Pretax return on assets | 2.2772% | 357 |
| Return on Equity (ROE) | 30.3672% | 47 |
| Retained earnings to average equity (ytd only) | 8.9676% | 1,066 |
| Net charge-offs to loans | 0.0118% | 6,502 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 372.0262% | 85 |
| Efficiency ratio | 58.2165% | 6,237 |
| Assets per employee ($millions) | 2.6967% | 6,779 |
| Cash dividends to net income (ytd only)* | 70.4694% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 6,181 |
| Loan loss allowance to noncurrent loans | 3,600.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 7,327 |
| Noncurrent loans to loans | 0.0291% | 7,184 |
| Net loans and leases to total assets | 51.9545% | 6,110 |
| Net loans and leases to deposits | 56.2488% | 6,600 |
| Net loans and leases to core deposits | 63.4605% | 6,338 |
| Total domestic deposits to total assets | 92.3654% | 141 |
| Equity capital to assets | 7.4012% | 7,182 |
| Core capital (leverage) ratio | 7.3986% | 6,941 |
| Tier 1 risk-based capital ratio | 12.6633% | 4,847 |
| Total risk-based capital ratio | 13.6038% | 5,090 |
| Memoranda: | ||
| Average total assets | $43,620,500 | 6,832 |
| Average earning assets | $41,143,750 | 6,755 |
| Average equity | $3,271,000 | 7,290 |
| Average total loans | $22,710,500 | 6,872 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7439% | 1,580 |
| Cost of funding earning assets | 0.8871% | 6,634 |
| Net interest margin | 4.8568% | 591 |
| Noninterest income to average assets | 1.0215% | 1,313 |
| Noninterest expense to average assets | 3.1950% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.3974% | 164 |
| Return on assets (ROA) | 2.3974% | 176 |
| Pretax return on assets | 2.3974% | 283 |
| Return on Equity (ROE) | 31.8234% | 45 |
| Retained earnings to average equity (ytd only) | 8.6059% | 1,227 |
| Net charge-offs to loans | 0.0180% | 6,089 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 128 |
| Efficiency ratio | 57.1309% | 6,494 |
| Assets per employee ($millions) | 2.5898% | 6,968 |
| Cash dividends to net income (ytd only)* | 72.9572% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 5,749 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 49.6638% | 6,469 |
| Net loans and leases to deposits | 53.8136% | 6,876 |
| Net loans and leases to core deposits | 60.6266% | 6,666 |
| Total domestic deposits to total assets | 92.2886% | 177 |
| Equity capital to assets | 7.5228% | 7,097 |
| Core capital (leverage) ratio | 7.2523% | 7,032 |
| Tier 1 risk-based capital ratio | 13.2078% | 4,284 |
| Total risk-based capital ratio | 14.2128% | 4,438 |
| Memoranda: | ||
| Average total assets | $42,879,330 | 6,902 |
| Average earning assets | $40,356,000 | 6,831 |
| Average equity | $3,230,330 | 7,346 |
| Average total loans | $22,257,330 | 6,952 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7938% | 1,482 |
| Cost of funding earning assets | 0.8898% | 6,811 |
| Net interest margin | 4.9040% | 514 |
| Noninterest income to average assets | 1.1819% | 872 |
| Noninterest expense to average assets | 3.3281% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.4394% | 166 |
| Return on assets (ROA) | 2.4394% | 182 |
| Pretax return on assets | 2.4394% | 274 |
| Return on Equity (ROE) | 32.3562% | 72 |
| Retained earnings to average equity (ytd only) | 4.1386% | 3,664 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7049% | 6,531 |
| Assets per employee ($millions) | 2.5062% | 7,186 |
| Cash dividends to net income (ytd only)* | 87.2093% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 5,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 53.1944% | 6,131 |
| Net loans and leases to deposits | 58.4470% | 6,595 |
| Net loans and leases to core deposits | 66.2283% | 6,268 |
| Total domestic deposits to total assets | 91.0130% | 540 |
| Equity capital to assets | 7.5248% | 7,055 |
| Core capital (leverage) ratio | 7.7738% | 6,536 |
| Tier 1 risk-based capital ratio | 12.8163% | 4,467 |
| Total risk-based capital ratio | 13.8317% | 4,625 |
| Memoranda: | ||
| Average total assets | $42,306,000 | 7,007 |
| Average earning assets | $39,559,500 | 6,945 |
| Average equity | $3,189,500 | 7,440 |
| Average total loans | $22,327,500 | 7,034 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9323% | 2,120 |
| Cost of funding earning assets | 1.0791% | 7,033 |
| Net interest margin | 4.8532% | 615 |
| Noninterest income to average assets | 1.0240% | 1,492 |
| Noninterest expense to average assets | 3.2821% | 3,074 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.3040% | 119 |
| Return on assets (ROA) | 2.3040% | 131 |
| Pretax return on assets | 2.3040% | 223 |
| Return on Equity (ROE) | 30.2492% | 48 |
| Retained earnings to average equity (ytd only) | 4.0903% | 2,352 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7549% | 6,654 |
| Assets per employee ($millions) | 2.4709% | 7,246 |
| Cash dividends to net income (ytd only)* | 86.4780% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 5,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 51.1427% | 6,516 |
| Net loans and leases to deposits | 55.3943% | 6,961 |
| Net loans and leases to core deposits | 69.7047% | 6,795 |
| Total domestic deposits to total assets | 92.3249% | 215 |
| Equity capital to assets | 7.5537% | 6,984 |
| Core capital (leverage) ratio | 8.0084% | 6,177 |
| Tier 1 risk-based capital ratio | 13.2424% | 3,989 |
| Total risk-based capital ratio | 14.3024% | 4,055 |
| Memoranda: | ||
| Average total assets | $41,405,800 | 7,036 |
| Average earning assets | $38,922,600 | 6,982 |
| Average equity | $3,153,800 | 7,543 |
| Average total loans | $20,184,000 | 7,180 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9643% | 2,177 |
| Cost of funding earning assets | 1.1395% | 7,067 |
| Net interest margin | 4.8248% | 655 |
| Noninterest income to average assets | 1.0180% | 1,537 |
| Noninterest expense to average assets | 3.2059% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.3689% | 132 |
| Return on assets (ROA) | 2.3689% | 144 |
| Pretax return on assets | 2.3689% | 247 |
| Return on Equity (ROE) | 31.0356% | 52 |
| Retained earnings to average equity (ytd only) | 8.8069% | 891 |
| Net charge-offs to loans | -0.0067% | 7,650 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5072% | 6,787 |
| Assets per employee ($millions) | 2.3146% | 7,487 |
| Cash dividends to net income (ytd only)* | 71.6231% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 4,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 50.0000% | 6,781 |
| Net loans and leases to deposits | 54.6530% | 7,163 |
| Net loans and leases to core deposits | 68.1091% | 7,067 |
| Total domestic deposits to total assets | 91.4862% | 259 |
| Equity capital to assets | 8.2647% | 6,543 |
| Core capital (leverage) ratio | 8.3457% | 5,759 |
| Tier 1 risk-based capital ratio | 14.6026% | 3,222 |
| Total risk-based capital ratio | 15.7476% | 3,222 |
| Memoranda: | ||
| Average total assets | $41,255,750 | 7,096 |
| Average earning assets | $38,964,250 | 7,036 |
| Average equity | $3,149,000 | 7,618 |
| Average total loans | $19,795,750 | 7,269 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9900% | 2,223 |
| Cost of funding earning assets | 1.2253% | 7,033 |
| Net interest margin | 4.7646% | 709 |
| Noninterest income to average assets | 1.0074% | 1,571 |
| Noninterest expense to average assets | 3.0937% | 3,730 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.4062% | 128 |
| Return on assets (ROA) | 2.4062% | 141 |
| Pretax return on assets | 2.4062% | 249 |
| Return on Equity (ROE) | 32.3630% | 53 |
| Retained earnings to average equity (ytd only) | 8.2834% | 1,125 |
| Net charge-offs to loans | -0.0101% | 7,608 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2500% | 7,093 |
| Assets per employee ($millions) | 2.4720% | 7,303 |
| Cash dividends to net income (ytd only)* | 74.4048% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 4,634 |
| Loan loss allowance to noncurrent loans | 53.3473% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 1.2085% | 4,517 |
| Noncurrent loans to loans | 2.3365% | 3,095 |
| Net loans and leases to total assets | 51.0796% | 6,776 |
| Net loans and leases to deposits | 57.5600% | 7,057 |
| Net loans and leases to core deposits | 72.5682% | 6,864 |
| Total domestic deposits to total assets | 88.7414% | 1,409 |
| Equity capital to assets | 8.0224% | 6,725 |
| Core capital (leverage) ratio | 7.8317% | 6,575 |
| Tier 1 risk-based capital ratio | 13.9848% | 3,526 |
| Total risk-based capital ratio | 15.1086% | 3,535 |
| Memoranda: | ||
| Average total assets | $41,891,670 | 7,139 |
| Average earning assets | $39,499,330 | 7,074 |
| Average equity | $3,114,670 | 7,695 |
| Average total loans | $19,751,330 | 7,344 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9343% | 2,627 |
| Cost of funding earning assets | 1.3132% | 6,985 |
| Net interest margin | 4.6210% | 908 |
| Noninterest income to average assets | 1.0961% | 1,242 |
| Noninterest expense to average assets | 2.9260% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.5173% | 133 |
| Return on assets (ROA) | 2.5173% | 159 |
| Pretax return on assets | 2.5173% | 251 |
| Return on Equity (ROE) | 35.1321% | 56 |
| Retained earnings to average equity (ytd only) | 5.9634% | 2,642 |
| Net charge-offs to loans | -0.0412% | 7,647 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7543% | 7,244 |
| Assets per employee ($millions) | 2.6463% | 6,984 |
| Cash dividends to net income (ytd only)* | 83.0258% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 4,063 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 45.8515% | 7,201 |
| Net loans and leases to deposits | 49.5786% | 7,516 |
| Net loans and leases to core deposits | 67.0118% | 7,194 |
| Total domestic deposits to total assets | 92.4825% | 126 |
| Equity capital to assets | 7.3404% | 7,463 |
| Core capital (leverage) ratio | 7.3599% | 7,312 |
| Tier 1 risk-based capital ratio | 13.6998% | 3,743 |
| Total risk-based capital ratio | 14.8348% | 3,733 |
| Memoranda: | ||
| Average total assets | $43,061,500 | 7,131 |
| Average earning assets | $40,510,500 | 7,079 |
| Average equity | $3,085,500 | 7,754 |
| Average total loans | $19,398,000 | 7,413 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2293% | 4,360 |
| Cost of funding earning assets | 1.8829% | 6,781 |
| Net interest margin | 4.3464% | 1,834 |
| Noninterest income to average assets | 0.7705% | 2,667 |
| Noninterest expense to average assets | 2.8746% | 4,528 |
| Loan and lease loss provision to assets | 0.0358% | 6,957 |
| Net operating income to assets | 1.9681% | 382 |
| Return on assets (ROA) | 1.9681% | 366 |
| Pretax return on assets | 1.9681% | 665 |
| Return on Equity (ROE) | 27.9358% | 82 |
| Retained earnings to average equity (ytd only) | 5.9258% | 1,563 |
| Net charge-offs to loans | 0.0758% | 5,671 |
| Credit loss provision to net charge-offs | 107.1429% | 5,010 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 667 |
| Efficiency ratio | 58.9242% | 6,536 |
| Assets per employee ($millions) | 2.7364% | 6,713 |
| Cash dividends to net income (ytd only)* | 78.7879% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 3,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 43.1045% | 7,524 |
| Net loans and leases to deposits | 47.7301% | 7,719 |
| Net loans and leases to core deposits | 65.7332% | 7,369 |
| Total domestic deposits to total assets | 90.3088% | 548 |
| Equity capital to assets | 6.9960% | 7,746 |
| Core capital (leverage) ratio | 7.0848% | 7,627 |
| Tier 1 risk-based capital ratio | 13.5929% | 3,765 |
| Total risk-based capital ratio | 14.7272% | 3,734 |
| Memoranda: | ||
| Average total assets | $41,919,400 | 7,132 |
| Average earning assets | $39,619,400 | 7,059 |
| Average equity | $2,953,200 | 7,848 |
| Average total loans | $18,467,000 | 7,433 |