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Security 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 | 6.4607% | 363 |
| Cost of funding earning assets | 2.3874% | 475 |
| Net interest margin | 4.0733% | 1,098 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.7913% | 1,525 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.2381% | 1,562 |
| Return on assets (ROA) | 1.2396% | 1,537 |
| Pretax return on assets | 1.2824% | 1,918 |
| Return on Equity (ROE) | 10.8800% | 2,259 |
| Retained earnings to average equity (ytd only) | -4.0423% | 4,366 |
| Net charge-offs to loans | 0.0453% | 1,435 |
| Credit loss provision to net charge-offs | 20.8333% | 2,305 |
| Earnings coverage of net charge-offs (x) | 35.0833% | 1,523 |
| Efficiency ratio | 68.4171% | 2,060 |
| Assets per employee ($millions) | 3.9519% | 4,174 |
| Cash dividends to net income (ytd only)* | 137.1605% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1058% | 320 |
| Loan loss allowance to noncurrent loans | 1,782.2581% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 2,869 |
| Noncurrent loans to loans | 0.1182% | 2,934 |
| Net loans and leases to total assets | 81.2400% | 510 |
| Net loans and leases to deposits | 93.6725% | 965 |
| Net loans and leases to core deposits | 112.5449% | 867 |
| Total domestic deposits to total assets | 86.7300% | 1,778 |
| Equity capital to assets | 11.4598% | 1,300 |
| Core capital (leverage) ratio | 11.6174% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $65,345,400 | 4,161 |
| Average earning assets | $60,736,400 | 4,126 |
| Average equity | $7,446,200 | 3,994 |
| Average total loans | $52,997,000 | 3,797 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3212% | 362 |
| Cost of funding earning assets | 2.2086% | 489 |
| Net interest margin | 4.1126% | 1,041 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.7405% | 1,567 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.3076% | 1,534 |
| Return on assets (ROA) | 1.3095% | 1,511 |
| Pretax return on assets | 1.3541% | 1,885 |
| Return on Equity (ROE) | 11.5100% | 2,250 |
| Retained earnings to average equity (ytd only) | -3.8063% | 4,392 |
| Net charge-offs to loans | -0.0151% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.7982% | 2,178 |
| Assets per employee ($millions) | 4.0919% | 4,126 |
| Cash dividends to net income (ytd only)* | 133.0757% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1131% | 334 |
| Loan loss allowance to noncurrent loans | 28,375.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,804 |
| Noncurrent loans to loans | 0.0074% | 3,754 |
| Net loans and leases to total assets | 80.3100% | 604 |
| Net loans and leases to deposits | 92.1627% | 1,040 |
| Net loans and leases to core deposits | 110.3330% | 863 |
| Total domestic deposits to total assets | 87.1300% | 1,849 |
| Equity capital to assets | 11.0461% | 1,330 |
| Core capital (leverage) ratio | 11.4811% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $65,874,250 | 4,169 |
| Average earning assets | $61,273,500 | 4,143 |
| Average equity | $7,496,250 | 3,994 |
| Average total loans | $53,127,500 | 3,807 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1983% | 349 |
| Cost of funding earning assets | 1.9966% | 497 |
| Net interest margin | 4.2017% | 929 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.7572% | 1,504 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.4059% | 1,313 |
| Return on assets (ROA) | 1.4059% | 1,296 |
| Pretax return on assets | 1.4483% | 1,704 |
| Return on Equity (ROE) | 12.2400% | 2,083 |
| Retained earnings to average equity (ytd only) | 5.8805% | 2,663 |
| Net charge-offs to loans | -0.0189% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.3266% | 2,331 |
| Assets per employee ($millions) | 4.1497% | 4,122 |
| Cash dividends to net income (ytd only)* | 51.9397% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1341% | 341 |
| Loan loss allowance to noncurrent loans | 22,680.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 3,783 |
| Noncurrent loans to loans | 0.0094% | 3,721 |
| Net loans and leases to total assets | 78.3200% | 801 |
| Net loans and leases to deposits | 90.3379% | 1,163 |
| Net loans and leases to core deposits | 107.9550% | 908 |
| Total domestic deposits to total assets | 86.7000% | 2,024 |
| Equity capital to assets | 11.5762% | 1,182 |
| Core capital (leverage) ratio | 11.8997% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $66,008,667 | 4,190 |
| Average earning assets | $61,404,000 | 4,164 |
| Average equity | $7,584,333 | 4,006 |
| Average total loans | $52,932,667 | 3,822 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0730% | 288 |
| Cost of funding earning assets | 1.7781% | 473 |
| Net interest margin | 4.2949% | 810 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.7167% | 1,628 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.5194% | 1,146 |
| Return on assets (ROA) | 1.5194% | 1,128 |
| Pretax return on assets | 1.5194% | 1,626 |
| Return on Equity (ROE) | 13.2700% | 1,937 |
| Retained earnings to average equity (ytd only) | 7.1680% | 2,451 |
| Net charge-offs to loans | 0.0606% | 768 |
| Credit loss provision to net charge-offs | 62.5000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 31.8750% | 1,275 |
| Efficiency ratio | 63.6752% | 2,504 |
| Assets per employee ($millions) | 4.2028% | 4,166 |
| Cash dividends to net income (ytd only)* | 46.0000% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1306% | 359 |
| Loan loss allowance to noncurrent loans | 2,606.9767% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 3,119 |
| Noncurrent loans to loans | 0.0817% | 3,159 |
| Net loans and leases to total assets | 76.5800% | 918 |
| Net loans and leases to deposits | 88.0345% | 1,205 |
| Net loans and leases to core deposits | 105.5573% | 855 |
| Total domestic deposits to total assets | 86.9800% | 2,271 |
| Equity capital to assets | 11.3510% | 1,206 |
| Core capital (leverage) ratio | 11.8374% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $65,815,500 | 4,246 |
| Average earning assets | $61,189,000 | 4,222 |
| Average equity | $7,533,500 | 4,057 |
| Average total loans | $52,830,500 | 3,865 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5826% | 140 |
| Cost of funding earning assets | 0.8662% | 291 |
| Net interest margin | 4.7164% | 199 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.7556% | 1,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.0036% | 299 |
| Return on assets (ROA) | 2.0036% | 286 |
| Pretax return on assets | 2.1017% | 379 |
| Return on Equity (ROE) | 17.9100% | 715 |
| Retained earnings to average equity (ytd only) | 6.1522% | 2,587 |
| Net charge-offs to loans | -0.0096% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.7308% | 3,496 |
| Assets per employee ($millions) | 4.0241% | 4,276 |
| Cash dividends to net income (ytd only)* | 65.6566% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1189% | 350 |
| Loan loss allowance to noncurrent loans | 22,480.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 2,557 |
| Noncurrent loans to loans | 0.0094% | 3,782 |
| Net loans and leases to total assets | 80.6400% | 531 |
| Net loans and leases to deposits | 92.9702% | 847 |
| Net loans and leases to core deposits | 109.4085% | 630 |
| Total domestic deposits to total assets | 86.7400% | 2,478 |
| Equity capital to assets | 11.5460% | 1,071 |
| Core capital (leverage) ratio | 12.0351% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $64,233,200 | 4,290 |
| Average earning assets | $59,685,400 | 4,268 |
| Average equity | $7,184,400 | 4,184 |
| Average total loans | $51,887,800 | 3,867 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4348% | 122 |
| Cost of funding earning assets | 0.7745% | 170 |
| Net interest margin | 4.6604% | 176 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.7353% | 1,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9835% | 293 |
| Return on assets (ROA) | 1.9835% | 293 |
| Pretax return on assets | 2.0915% | 389 |
| Return on Equity (ROE) | 17.8800% | 659 |
| Retained earnings to average equity (ytd only) | 2.0593% | 4,017 |
| Net charge-offs to loans | -0.0388% | 4,230 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.6695% | 3,553 |
| Assets per employee ($millions) | 4.0023% | 4,319 |
| Cash dividends to net income (ytd only)* | 88.4817% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1210% | 395 |
| Loan loss allowance to noncurrent loans | 1,134.0000% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 2,524 |
| Noncurrent loans to loans | 0.1870% | 2,654 |
| Net loans and leases to total assets | 81.7200% | 399 |
| Net loans and leases to deposits | 93.6807% | 654 |
| Net loans and leases to core deposits | 112.5809% | 399 |
| Total domestic deposits to total assets | 87.2300% | 2,690 |
| Equity capital to assets | 10.9749% | 1,189 |
| Core capital (leverage) ratio | 11.5183% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $64,195,000 | 4,326 |
| Average earning assets | $59,736,500 | 4,301 |
| Average equity | $7,122,000 | 4,239 |
| Average total loans | $51,598,250 | 3,889 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3046% | 116 |
| Cost of funding earning assets | 0.7329% | 133 |
| Net interest margin | 4.5717% | 171 |
| Noninterest income to average assets | 0.4981% | 2,213 |
| Noninterest expense to average assets | 2.6585% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0359% | 217 |
| Return on assets (ROA) | 2.0359% | 219 |
| Pretax return on assets | 2.0919% | 302 |
| Return on Equity (ROE) | 18.2852% | 440 |
| Retained earnings to average equity (ytd only) | -1.5657% | 4,348 |
| Net charge-offs to loans | -0.0353% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9633% | 3,777 |
| Assets per employee ($millions) | 3.9724% | 4,381 |
| Cash dividends to net income (ytd only)* | 108.5627% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1671% | 402 |
| Loan loss allowance to noncurrent loans | 1,139.3939% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 1,997 |
| Noncurrent loans to loans | 0.1902% | 2,755 |
| Net loans and leases to total assets | 80.1221% | 393 |
| Net loans and leases to deposits | 91.7814% | 620 |
| Net loans and leases to core deposits | 116.1455% | 241 |
| Total domestic deposits to total assets | 87.2966% | 2,827 |
| Equity capital to assets | 10.9679% | 1,226 |
| Core capital (leverage) ratio | 11.1975% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,247,667 | 4,366 |
| Average earning assets | $59,759,333 | 4,357 |
| Average equity | $7,153,333 | 4,301 |
| Average total loans | $50,976,000 | 3,949 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1137% | 130 |
| Cost of funding earning assets | 0.7514% | 115 |
| Net interest margin | 4.3623% | 214 |
| Noninterest income to average assets | 0.2415% | 3,700 |
| Noninterest expense to average assets | 2.5700% | 1,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7339% | 380 |
| Return on assets (ROA) | 1.7339% | 384 |
| Pretax return on assets | 1.7339% | 641 |
| Return on Equity (ROE) | 15.4600% | 589 |
| Retained earnings to average equity (ytd only) | 5.7975% | 2,316 |
| Net charge-offs to loans | -0.0555% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7122% | 3,514 |
| Assets per employee ($millions) | 4.0583% | 4,378 |
| Cash dividends to net income (ytd only)* | 62.5000% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1894% | 445 |
| Loan loss allowance to noncurrent loans | 1,845.9016% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 3,152 |
| Noncurrent loans to loans | 0.1186% | 3,234 |
| Net loans and leases to total assets | 77.4706% | 417 |
| Net loans and leases to deposits | 88.8057% | 570 |
| Net loans and leases to core deposits | 117.2123% | 166 |
| Total domestic deposits to total assets | 87.2361% | 2,837 |
| Equity capital to assets | 11.0945% | 1,289 |
| Core capital (leverage) ratio | 11.4686% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,592,500 | 4,383 |
| Average earning assets | $60,152,000 | 4,377 |
| Average equity | $7,244,500 | 4,339 |
| Average total loans | $50,438,000 | 3,965 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1830% | 198 |
| Cost of funding earning assets | 0.9358% | 91 |
| Net interest margin | 4.2472% | 454 |
| Noninterest income to average assets | 0.4990% | 2,567 |
| Noninterest expense to average assets | 2.6487% | 1,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8134% | 494 |
| Return on assets (ROA) | 1.8134% | 516 |
| Pretax return on assets | 1.8134% | 889 |
| Return on Equity (ROE) | 16.4723% | 684 |
| Retained earnings to average equity (ytd only) | -0.5251% | 4,551 |
| Net charge-offs to loans | 0.0060% | 2,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 397.3333% | 330 |
| Efficiency ratio | 59.3590% | 3,247 |
| Assets per employee ($millions) | 4.0158% | 4,419 |
| Cash dividends to net income (ytd only)* | 103.1879% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2631% | 408 |
| Loan loss allowance to noncurrent loans | 1,190.4255% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 2,917 |
| Noncurrent loans to loans | 0.1901% | 2,996 |
| Net loans and leases to total assets | 75.2148% | 570 |
| Net loans and leases to deposits | 86.4990% | 751 |
| Net loans and leases to core deposits | 112.5900% | 252 |
| Total domestic deposits to total assets | 86.9545% | 2,541 |
| Equity capital to assets | 11.3382% | 1,579 |
| Core capital (leverage) ratio | 11.3991% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,731,400 | 4,381 |
| Average earning assets | $61,335,000 | 4,371 |
| Average equity | $7,236,400 | 4,401 |
| Average total loans | $49,777,800 | 4,002 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1543% | 236 |
| Cost of funding earning assets | 0.9920% | 89 |
| Net interest margin | 4.1624% | 584 |
| Noninterest income to average assets | 0.5204% | 2,538 |
| Noninterest expense to average assets | 2.6343% | 1,741 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7710% | 706 |
| Return on assets (ROA) | 1.7710% | 741 |
| Pretax return on assets | 1.7710% | 1,233 |
| Return on Equity (ROE) | 16.2043% | 906 |
| Retained earnings to average equity (ytd only) | -3.5435% | 4,759 |
| Net charge-offs to loans | 0.0027% | 2,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 878.0000% | 187 |
| Efficiency ratio | 59.7985% | 3,008 |
| Assets per employee ($millions) | 4.0349% | 4,432 |
| Cash dividends to net income (ytd only)* | 121.8679% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2771% | 408 |
| Loan loss allowance to noncurrent loans | 1,205.3763% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 3,148 |
| Noncurrent loans to loans | 0.1889% | 3,193 |
| Net loans and leases to total assets | 74.5179% | 652 |
| Net loans and leases to deposits | 85.5041% | 860 |
| Net loans and leases to core deposits | 110.4458% | 315 |
| Total domestic deposits to total assets | 87.1513% | 2,294 |
| Equity capital to assets | 11.0736% | 1,959 |
| Core capital (leverage) ratio | 11.0648% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,101,250 | 4,438 |
| Average earning assets | $61,694,000 | 4,424 |
| Average equity | $7,224,250 | 4,467 |
| Average total loans | $49,860,750 | 4,059 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1110% | 290 |
| Cost of funding earning assets | 1.0575% | 84 |
| Net interest margin | 4.0534% | 749 |
| Noninterest income to average assets | 0.4954% | 2,638 |
| Noninterest expense to average assets | 2.6270% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6543% | 943 |
| Return on assets (ROA) | 1.6543% | 998 |
| Pretax return on assets | 1.6543% | 1,600 |
| Return on Equity (ROE) | 15.2014% | 1,106 |
| Retained earnings to average equity (ytd only) | -10.1802% | 4,873 |
| Net charge-offs to loans | 0.0040% | 2,013 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 551.0000% | 240 |
| Efficiency ratio | 61.3604% | 2,819 |
| Assets per employee ($millions) | 4.0038% | 4,444 |
| Cash dividends to net income (ytd only)* | 166.9691% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2636% | 391 |
| Loan loss allowance to noncurrent loans | 1,205.3763% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 3,277 |
| Noncurrent loans to loans | 0.1878% | 3,294 |
| Net loans and leases to total assets | 75.5545% | 629 |
| Net loans and leases to deposits | 86.4921% | 886 |
| Net loans and leases to core deposits | 110.2026% | 353 |
| Total domestic deposits to total assets | 87.3542% | 2,148 |
| Equity capital to assets | 10.8803% | 2,087 |
| Core capital (leverage) ratio | 10.5149% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,615,333 | 4,457 |
| Average earning assets | $62,219,333 | 4,446 |
| Average equity | $7,249,333 | 4,485 |
| Average total loans | $50,071,333 | 4,086 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0004% | 353 |
| Cost of funding earning assets | 1.1336% | 72 |
| Net interest margin | 3.8668% | 1,038 |
| Noninterest income to average assets | 0.5244% | 2,508 |
| Noninterest expense to average assets | 2.6277% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5142% | 1,296 |
| Return on assets (ROA) | 1.5142% | 1,359 |
| Pretax return on assets | 1.5142% | 1,956 |
| Return on Equity (ROE) | 13.9126% | 1,447 |
| Retained earnings to average equity (ytd only) | 4.1684% | 3,454 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4424% | 2,536 |
| Assets per employee ($millions) | 4.4934% | 4,106 |
| Cash dividends to net income (ytd only)* | 70.0389% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2559% | 390 |
| Loan loss allowance to noncurrent loans | 1,934.4828% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 3,767 |
| Noncurrent loans to loans | 0.1166% | 3,729 |
| Net loans and leases to total assets | 72.1265% | 999 |
| Net loans and leases to deposits | 82.5842% | 1,288 |
| Net loans and leases to core deposits | 107.4651% | 471 |
| Total domestic deposits to total assets | 87.3370% | 2,162 |
| Equity capital to assets | 11.0028% | 1,858 |
| Core capital (leverage) ratio | 10.9313% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,892,500 | 4,463 |
| Average earning assets | $63,515,000 | 4,441 |
| Average equity | $7,389,000 | 4,493 |
| Average total loans | $50,346,000 | 4,096 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5013% | 189 |
| Cost of funding earning assets | 1.6256% | 45 |
| Net interest margin | 3.8757% | 1,288 |
| Noninterest income to average assets | 0.4414% | 2,906 |
| Noninterest expense to average assets | 2.5092% | 2,818 |
| Loan and lease loss provision to assets | 0.0719% | 3,484 |
| Net operating income to assets | 1.4840% | 847 |
| Return on assets (ROA) | 1.4854% | 916 |
| Pretax return on assets | 1.4854% | 1,385 |
| Return on Equity (ROE) | 14.7884% | 669 |
| Retained earnings to average equity (ytd only) | 11.5959% | 368 |
| Net charge-offs to loans | -0.0877% | 4,782 |
| Credit loss provision to net charge-offs | -104.1667% | 3,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7262% | 3,183 |
| Assets per employee ($millions) | 4.2740% | 4,151 |
| Cash dividends to net income (ytd only)* | 21.5876% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2019% | 408 |
| Loan loss allowance to noncurrent loans | 1,870.0000% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 3,887 |
| Noncurrent loans to loans | 0.1177% | 3,812 |
| Net loans and leases to total assets | 72.8738% | 1,177 |
| Net loans and leases to deposits | 83.2231% | 1,524 |
| Net loans and leases to core deposits | 105.5492% | 667 |
| Total domestic deposits to total assets | 87.5643% | 1,676 |
| Equity capital to assets | 10.7657% | 2,462 |
| Core capital (leverage) ratio | 10.5312% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,544,000 | 4,393 |
| Average earning assets | $65,020,600 | 4,372 |
| Average equity | $6,985,200 | 4,530 |
| Average total loans | $54,712,000 | 4,003 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6239% | 176 |
| Cost of funding earning assets | 1.6943% | 48 |
| Net interest margin | 3.9296% | 1,281 |
| Noninterest income to average assets | 0.4468% | 2,861 |
| Noninterest expense to average assets | 2.5565% | 2,675 |
| Loan and lease loss provision to assets | 0.0959% | 3,121 |
| Net operating income to assets | 1.4701% | 961 |
| Return on assets (ROA) | 1.4701% | 1,046 |
| Pretax return on assets | 1.4701% | 1,514 |
| Return on Equity (ROE) | 14.8983% | 706 |
| Retained earnings to average equity (ytd only) | 10.5836% | 657 |
| Net charge-offs to loans | 0.0048% | 2,975 |
| Credit loss provision to net charge-offs | 2,500.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 410.0000% | 283 |
| Efficiency ratio | 62.0195% | 3,076 |
| Assets per employee ($millions) | 4.1269% | 4,218 |
| Cash dividends to net income (ytd only)* | 28.9610% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0681% | 442 |
| Loan loss allowance to noncurrent loans | 1,061.3861% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 3,699 |
| Noncurrent loans to loans | 0.1949% | 3,614 |
| Net loans and leases to total assets | 72.3538% | 1,612 |
| Net loans and leases to deposits | 82.0847% | 2,094 |
| Net loans and leases to core deposits | 105.0342% | 881 |
| Total domestic deposits to total assets | 88.1453% | 1,150 |
| Equity capital to assets | 10.1214% | 3,124 |
| Core capital (leverage) ratio | 9.9590% | 2,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4456% | 978 |
| Memoranda: | ||
| Average total assets | $69,834,000 | 4,396 |
| Average earning assets | $65,314,750 | 4,381 |
| Average equity | $6,891,000 | 4,559 |
| Average total loans | $55,651,000 | 4,007 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7523% | 211 |
| Cost of funding earning assets | 1.7496% | 60 |
| Net interest margin | 4.0027% | 1,312 |
| Noninterest income to average assets | 0.3958% | 3,108 |
| Noninterest expense to average assets | 2.5758% | 2,754 |
| Loan and lease loss provision to assets | 0.1434% | 2,581 |
| Net operating income to assets | 1.4170% | 1,077 |
| Return on assets (ROA) | 1.4170% | 1,167 |
| Pretax return on assets | 1.4170% | 1,689 |
| Return on Equity (ROE) | 14.4847% | 793 |
| Retained earnings to average equity (ytd only) | 10.6729% | 661 |
| Net charge-offs to loans | -0.0211% | 4,419 |
| Credit loss provision to net charge-offs | -833.3333% | 3,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2746% | 3,077 |
| Assets per employee ($millions) | 4.1646% | 4,140 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9350% | 492 |
| Loan loss allowance to noncurrent loans | 1,285.7143% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 3,944 |
| Noncurrent loans to loans | 0.1505% | 3,854 |
| Net loans and leases to total assets | 77.3101% | 951 |
| Net loans and leases to deposits | 87.3146% | 1,625 |
| Net loans and leases to core deposits | 107.4227% | 840 |
| Total domestic deposits to total assets | 88.5420% | 925 |
| Equity capital to assets | 9.7672% | 3,409 |
| Core capital (leverage) ratio | 9.7431% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,726,000 | 4,404 |
| Average earning assets | $65,156,333 | 4,387 |
| Average equity | $6,821,000 | 4,588 |
| Average total loans | $56,923,333 | 4,001 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8748% | 193 |
| Cost of funding earning assets | 1.8052% | 84 |
| Net interest margin | 4.0695% | 1,198 |
| Noninterest income to average assets | 0.3931% | 3,154 |
| Noninterest expense to average assets | 2.5958% | 2,994 |
| Loan and lease loss provision to assets | 0.2312% | 1,342 |
| Net operating income to assets | 1.3586% | 1,086 |
| Return on assets (ROA) | 1.3586% | 1,167 |
| Pretax return on assets | 1.3586% | 1,692 |
| Return on Equity (ROE) | 13.8766% | 720 |
| Retained earnings to average equity (ytd only) | 13.8766% | 265 |
| Net charge-offs to loans | -0.0418% | 4,577 |
| Credit loss provision to net charge-offs | -666.6667% | 3,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0166% | 3,497 |
| Assets per employee ($millions) | 4.0826% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 654 |
| Loan loss allowance to noncurrent loans | 1,371.7949% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 4,058 |
| Noncurrent loans to loans | 0.1353% | 3,980 |
| Net loans and leases to total assets | 81.5284% | 499 |
| Net loans and leases to deposits | 91.8691% | 1,299 |
| Net loans and leases to core deposits | 113.6818% | 677 |
| Total domestic deposits to total assets | 88.7442% | 789 |
| Equity capital to assets | 9.5369% | 4,179 |
| Core capital (leverage) ratio | 9.7578% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,190,000 | 4,425 |
| Average earning assets | $64,479,000 | 4,411 |
| Average equity | $6,774,000 | 4,626 |
| Average total loans | $57,478,000 | 3,998 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8942% | 265 |
| Cost of funding earning assets | 1.8380% | 123 |
| Net interest margin | 4.0562% | 1,666 |
| Noninterest income to average assets | 0.4564% | 2,969 |
| Noninterest expense to average assets | 2.6419% | 3,055 |
| Loan and lease loss provision to assets | 0.2041% | 992 |
| Net operating income to assets | 0.9944% | 2,865 |
| Return on assets (ROA) | 0.9944% | 2,950 |
| Pretax return on assets | 1.3589% | 2,301 |
| Return on Equity (ROE) | 10.4195% | 2,113 |
| Retained earnings to average equity (ytd only) | 10.4195% | 416 |
| Net charge-offs to loans | 0.1304% | 1,466 |
| Credit loss provision to net charge-offs | 191.7808% | 1,380 |
| Earnings coverage of net charge-offs (x) | 14.6849% | 2,273 |
| Efficiency ratio | 62.8294% | 3,241 |
| Assets per employee ($millions) | 4.3110% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7870% | 675 |
| Loan loss allowance to noncurrent loans | 1,402.7397% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 2,932 |
| Noncurrent loans to loans | 0.1274% | 4,011 |
| Net loans and leases to total assets | 81.5907% | 601 |
| Net loans and leases to deposits | 92.4895% | 1,311 |
| Net loans and leases to core deposits | 114.7149% | 644 |
| Total domestic deposits to total assets | 88.2162% | 1,025 |
| Equity capital to assets | 10.0455% | 3,875 |
| Core capital (leverage) ratio | 9.9760% | 3,547 |
| Tier 1 risk-based capital ratio | 15.4142% | 2,614 |
| Total risk-based capital ratio | 16.6756% | 2,538 |
| Memoranda: | ||
| Average total assets | $68,585,800 | 4,450 |
| Average earning assets | $63,384,200 | 4,451 |
| Average equity | $6,545,400 | 4,693 |
| Average total loans | $55,969,000 | 4,053 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8655% | 311 |
| Cost of funding earning assets | 1.8223% | 128 |
| Net interest margin | 4.0432% | 1,795 |
| Noninterest income to average assets | 0.5217% | 2,594 |
| Noninterest expense to average assets | 2.6826% | 2,914 |
| Loan and lease loss provision to assets | 0.2141% | 805 |
| Net operating income to assets | 0.9578% | 3,137 |
| Return on assets (ROA) | 0.9578% | 3,214 |
| Pretax return on assets | 1.3569% | 2,473 |
| Return on Equity (ROE) | 10.1710% | 2,363 |
| Retained earnings to average equity (ytd only) | 10.1710% | 713 |
| Net charge-offs to loans | 0.1462% | 1,107 |
| Credit loss provision to net charge-offs | 180.3279% | 1,423 |
| Earnings coverage of net charge-offs (x) | 13.2297% | 2,310 |
| Efficiency ratio | 63.0664% | 3,149 |
| Assets per employee ($millions) | 3.8506% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 682 |
| Loan loss allowance to noncurrent loans | 584.8837% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.7445% | 1,848 |
| Noncurrent loans to loans | 0.3075% | 3,426 |
| Net loans and leases to total assets | 79.2500% | 951 |
| Net loans and leases to deposits | 89.6010% | 1,745 |
| Net loans and leases to core deposits | 110.8691% | 905 |
| Total domestic deposits to total assets | 88.4477% | 848 |
| Equity capital to assets | 9.7099% | 4,284 |
| Core capital (leverage) ratio | 9.7320% | 3,931 |
| Tier 1 risk-based capital ratio | 15.4200% | 2,665 |
| Total risk-based capital ratio | 16.6808% | 2,596 |
| Memoranda: | ||
| Average total assets | $68,488,250 | 4,504 |
| Average earning assets | $63,215,500 | 4,505 |
| Average equity | $6,449,500 | 4,764 |
| Average total loans | $55,635,750 | 4,110 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8081% | 333 |
| Cost of funding earning assets | 1.7781% | 139 |
| Net interest margin | 4.0300% | 1,833 |
| Noninterest income to average assets | 0.3929% | 3,317 |
| Noninterest expense to average assets | 2.6358% | 3,097 |
| Loan and lease loss provision to assets | 0.2199% | 755 |
| Net operating income to assets | 0.9118% | 3,236 |
| Return on assets (ROA) | 0.9118% | 3,299 |
| Pretax return on assets | 1.2519% | 2,740 |
| Return on Equity (ROE) | 9.7860% | 2,489 |
| Retained earnings to average equity (ytd only) | 9.7860% | 817 |
| Net charge-offs to loans | 0.2305% | 733 |
| Credit loss provision to net charge-offs | 117.1875% | 1,774 |
| Earnings coverage of net charge-offs (x) | 7.8438% | 2,457 |
| Efficiency ratio | 64.1685% | 3,104 |
| Assets per employee ($millions) | 4.0679% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7150% | 795 |
| Loan loss allowance to noncurrent loans | 1,382.8571% | 453 |
| Noncurrent assets plus other real estate owned to assets | 1.2624% | 1,029 |
| Noncurrent loans to loans | 0.1240% | 4,119 |
| Net loans and leases to total assets | 80.2210% | 848 |
| Net loans and leases to deposits | 90.3974% | 1,690 |
| Net loans and leases to core deposits | 111.3708% | 896 |
| Total domestic deposits to total assets | 88.7425% | 769 |
| Equity capital to assets | 9.4629% | 4,440 |
| Core capital (leverage) ratio | 9.5329% | 4,115 |
| Tier 1 risk-based capital ratio | 14.5990% | 3,019 |
| Total risk-based capital ratio | 15.8590% | 2,936 |
| Memoranda: | ||
| Average total assets | $68,214,000 | 4,546 |
| Average earning assets | $62,877,670 | 4,544 |
| Average equity | $6,356,000 | 4,804 |
| Average total loans | $55,536,000 | 4,133 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7298% | 347 |
| Cost of funding earning assets | 1.7157% | 151 |
| Net interest margin | 4.0141% | 1,809 |
| Noninterest income to average assets | 0.3129% | 3,769 |
| Noninterest expense to average assets | 2.6216% | 3,153 |
| Loan and lease loss provision to assets | 0.1476% | 1,145 |
| Net operating income to assets | 0.9329% | 3,114 |
| Return on assets (ROA) | 0.9329% | 3,152 |
| Pretax return on assets | 1.2459% | 2,646 |
| Return on Equity (ROE) | 10.0926% | 2,332 |
| Retained earnings to average equity (ytd only) | 10.0926% | 1,016 |
| Net charge-offs to loans | 0.1307% | 957 |
| Credit loss provision to net charge-offs | 138.8889% | 1,302 |
| Earnings coverage of net charge-offs (x) | 13.1111% | 1,847 |
| Efficiency ratio | 65.2941% | 3,044 |
| Assets per employee ($millions) | 3.7929% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7112% | 838 |
| Loan loss allowance to noncurrent loans | 174.9546% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 1.3241% | 974 |
| Noncurrent loans to loans | 0.9781% | 1,711 |
| Net loans and leases to total assets | 81.1038% | 697 |
| Net loans and leases to deposits | 91.2675% | 1,485 |
| Net loans and leases to core deposits | 113.2630% | 771 |
| Total domestic deposits to total assets | 88.8638% | 928 |
| Equity capital to assets | 9.3185% | 4,413 |
| Core capital (leverage) ratio | 9.3929% | 4,261 |
| Tier 1 risk-based capital ratio | 14.4527% | 3,116 |
| Total risk-based capital ratio | 15.7141% | 3,041 |
| Memoranda: | ||
| Average total assets | $67,744,000 | 4,606 |
| Average earning assets | $62,480,000 | 4,608 |
| Average equity | $6,262,000 | 4,850 |
| Average total loans | $55,082,000 | 4,185 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4216% | 468 |
| Cost of funding earning assets | 1.4705% | 100 |
| Net interest margin | 3.9511% | 2,155 |
| Noninterest income to average assets | 0.4699% | 2,996 |
| Noninterest expense to average assets | 2.7002% | 3,024 |
| Loan and lease loss provision to assets | 0.3524% | 433 |
| Net operating income to assets | 0.8701% | 3,535 |
| Return on assets (ROA) | 0.8701% | 3,529 |
| Pretax return on assets | 1.0644% | 3,394 |
| Return on Equity (ROE) | 10.2340% | 2,426 |
| Retained earnings to average equity (ytd only) | 10.2340% | 586 |
| Net charge-offs to loans | 0.1350% | 1,408 |
| Credit loss provision to net charge-offs | 324.0000% | 966 |
| Earnings coverage of net charge-offs (x) | 13.0267% | 2,489 |
| Efficiency ratio | 65.5865% | 2,936 |
| Assets per employee ($millions) | 3.7342% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7779% | 709 |
| Loan loss allowance to noncurrent loans | 134.2216% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 1.3420% | 944 |
| Noncurrent loans to loans | 1.3246% | 1,185 |
| Net loans and leases to total assets | 78.6595% | 1,158 |
| Net loans and leases to deposits | 88.3318% | 2,009 |
| Net loans and leases to core deposits | 108.7948% | 1,066 |
| Total domestic deposits to total assets | 89.0501% | 836 |
| Equity capital to assets | 9.1676% | 4,429 |
| Core capital (leverage) ratio | 9.2444% | 4,406 |
| Tier 1 risk-based capital ratio | 14.5890% | 3,024 |
| Total risk-based capital ratio | 15.8501% | 2,938 |
| Memoranda: | ||
| Average total assets | $68,956,800 | 4,599 |
| Average earning assets | $63,653,200 | 4,598 |
| Average equity | $5,862,800 | 4,920 |
| Average total loans | $55,541,600 | 4,195 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3517% | 473 |
| Cost of funding earning assets | 1.4221% | 88 |
| Net interest margin | 3.9296% | 2,202 |
| Noninterest income to average assets | 0.4573% | 3,121 |
| Noninterest expense to average assets | 2.6554% | 3,109 |
| Loan and lease loss provision to assets | 0.3170% | 447 |
| Net operating income to assets | 0.8800% | 3,628 |
| Return on assets (ROA) | 0.8800% | 3,629 |
| Pretax return on assets | 1.1163% | 3,332 |
| Return on Equity (ROE) | 10.5503% | 2,374 |
| Retained earnings to average equity (ytd only) | 10.5503% | 756 |
| Net charge-offs to loans | 0.0834% | 1,686 |
| Credit loss provision to net charge-offs | 471.4286% | 737 |
| Earnings coverage of net charge-offs (x) | 21.3122% | 1,927 |
| Efficiency ratio | 64.9436% | 3,041 |
| Assets per employee ($millions) | 3.7524% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 1,018 |
| Loan loss allowance to noncurrent loans | 448.2927% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.8868% | 1,663 |
| Noncurrent loans to loans | 0.3627% | 3,349 |
| Net loans and leases to total assets | 82.3194% | 658 |
| Net loans and leases to deposits | 92.2792% | 1,585 |
| Net loans and leases to core deposits | 113.4066% | 849 |
| Total domestic deposits to total assets | 89.2069% | 773 |
| Equity capital to assets | 8.8921% | 4,647 |
| Core capital (leverage) ratio | 8.9057% | 4,795 |
| Tier 1 risk-based capital ratio | 13.4366% | 3,663 |
| Total risk-based capital ratio | 14.6953% | 3,571 |
| Memoranda: | ||
| Average total assets | $69,392,250 | 4,635 |
| Average earning assets | $64,127,000 | 4,637 |
| Average equity | $5,788,000 | 4,981 |
| Average total loans | $55,970,000 | 4,232 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2230% | 534 |
| Cost of funding earning assets | 1.3938% | 75 |
| Net interest margin | 3.8292% | 2,462 |
| Noninterest income to average assets | 0.4114% | 3,416 |
| Noninterest expense to average assets | 2.6425% | 3,182 |
| Loan and lease loss provision to assets | 0.2857% | 493 |
| Net operating income to assets | 0.8685% | 3,589 |
| Return on assets (ROA) | 0.8685% | 3,593 |
| Pretax return on assets | 1.0227% | 3,591 |
| Return on Equity (ROE) | 10.6381% | 2,262 |
| Retained earnings to average equity (ytd only) | 10.6381% | 752 |
| Net charge-offs to loans | 0.1040% | 1,316 |
| Credit loss provision to net charge-offs | 344.8276% | 913 |
| Earnings coverage of net charge-offs (x) | 15.7931% | 2,019 |
| Efficiency ratio | 66.8836% | 2,844 |
| Assets per employee ($millions) | 3.8324% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 1,309 |
| Loan loss allowance to noncurrent loans | 1,264.7059% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.6161% | 2,375 |
| Noncurrent loans to loans | 0.1207% | 4,365 |
| Net loans and leases to total assets | 80.4085% | 953 |
| Net loans and leases to deposits | 89.6657% | 1,884 |
| Net loans and leases to core deposits | 109.5100% | 1,033 |
| Total domestic deposits to total assets | 89.6759% | 676 |
| Equity capital to assets | 8.4991% | 4,938 |
| Core capital (leverage) ratio | 8.6142% | 5,029 |
| Tier 1 risk-based capital ratio | 13.2234% | 3,778 |
| Total risk-based capital ratio | 14.4809% | 3,693 |
| Memoranda: | ||
| Average total assets | $70,008,670 | 4,683 |
| Average earning assets | $64,714,000 | 4,682 |
| Average equity | $5,715,330 | 5,047 |
| Average total loans | $55,786,670 | 4,262 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1660% | 522 |
| Cost of funding earning assets | 1.3760% | 65 |
| Net interest margin | 3.7900% | 2,462 |
| Noninterest income to average assets | 0.4708% | 2,992 |
| Noninterest expense to average assets | 2.6602% | 3,160 |
| Loan and lease loss provision to assets | 0.2042% | 809 |
| Net operating income to assets | 0.8451% | 3,524 |
| Return on assets (ROA) | 0.8451% | 3,541 |
| Pretax return on assets | 1.1061% | 3,152 |
| Return on Equity (ROE) | 10.5646% | 2,145 |
| Retained earnings to average equity (ytd only) | 10.5646% | 1,000 |
| Net charge-offs to loans | 0.1153% | 1,088 |
| Credit loss provision to net charge-offs | 225.0000% | 969 |
| Earnings coverage of net charge-offs (x) | 14.4375% | 1,711 |
| Efficiency ratio | 67.0000% | 3,007 |
| Assets per employee ($millions) | 3.9439% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 1,504 |
| Loan loss allowance to noncurrent loans | 462.2857% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,952 |
| Noncurrent loans to loans | 0.3216% | 3,611 |
| Net loans and leases to total assets | 75.5208% | 1,618 |
| Net loans and leases to deposits | 83.7258% | 2,418 |
| Net loans and leases to core deposits | 104.5822% | 1,338 |
| Total domestic deposits to total assets | 90.2002% | 581 |
| Equity capital to assets | 8.0334% | 5,257 |
| Core capital (leverage) ratio | 8.1659% | 5,335 |
| Tier 1 risk-based capital ratio | 13.1864% | 3,859 |
| Total risk-based capital ratio | 14.4420% | 3,749 |
| Memoranda: | ||
| Average total assets | $70,521,000 | 4,733 |
| Average earning assets | $65,118,000 | 4,730 |
| Average equity | $5,641,500 | 5,114 |
| Average total loans | $55,515,500 | 4,314 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2635% | 391 |
| Cost of funding earning assets | 1.1708% | 83 |
| Net interest margin | 4.0927% | 1,467 |
| Noninterest income to average assets | 0.4534% | 3,288 |
| Noninterest expense to average assets | 2.5554% | 3,588 |
| Loan and lease loss provision to assets | 0.2244% | 878 |
| Net operating income to assets | 0.7719% | 3,293 |
| Return on assets (ROA) | 0.7719% | 3,335 |
| Pretax return on assets | 1.4271% | 1,901 |
| Return on Equity (ROE) | 9.2290% | 2,199 |
| Retained earnings to average equity (ytd only) | 5.6027% | 1,771 |
| Net charge-offs to loans | 0.2478% | 1,053 |
| Credit loss provision to net charge-offs | 111.2782% | 2,337 |
| Earnings coverage of net charge-offs (x) | 8.1880% | 2,945 |
| Efficiency ratio | 60.7426% | 4,150 |
| Assets per employee ($millions) | 3.6933% | 4,438 |
| Cash dividends to net income (ytd only)* | 39.2927% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 1,797 |
| Loan loss allowance to noncurrent loans | 338.6266% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 1,822 |
| Noncurrent loans to loans | 0.4116% | 3,295 |
| Net loans and leases to total assets | 79.5474% | 1,025 |
| Net loans and leases to deposits | 88.2181% | 1,997 |
| Net loans and leases to core deposits | 108.6605% | 1,086 |
| Total domestic deposits to total assets | 90.1713% | 509 |
| Equity capital to assets | 8.0231% | 5,387 |
| Core capital (leverage) ratio | 8.2992% | 5,285 |
| Tier 1 risk-based capital ratio | 12.7473% | 4,061 |
| Total risk-based capital ratio | 14.0024% | 3,956 |
| Memoranda: | ||
| Average total assets | $65,939,400 | 4,849 |
| Average earning assets | $60,473,600 | 4,842 |
| Average equity | $5,515,200 | 5,179 |
| Average total loans | $53,680,200 | 4,371 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2524% | 380 |
| Cost of funding earning assets | 1.1334% | 100 |
| Net interest margin | 4.1191% | 1,339 |
| Noninterest income to average assets | 0.4603% | 3,270 |
| Noninterest expense to average assets | 2.5235% | 3,656 |
| Loan and lease loss provision to assets | 0.2322% | 781 |
| Net operating income to assets | 0.8282% | 3,399 |
| Return on assets (ROA) | 0.8282% | 3,431 |
| Pretax return on assets | 1.4837% | 1,829 |
| Return on Equity (ROE) | 9.7935% | 2,210 |
| Retained earnings to average equity (ytd only) | 4.9332% | 2,930 |
| Net charge-offs to loans | 0.1435% | 1,388 |
| Credit loss provision to net charge-offs | 198.2456% | 1,357 |
| Earnings coverage of net charge-offs (x) | 14.6488% | 2,281 |
| Efficiency ratio | 59.5250% | 4,290 |
| Assets per employee ($millions) | 3.7654% | 4,347 |
| Cash dividends to net income (ytd only)* | 49.6278% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,504 |
| Loan loss allowance to noncurrent loans | 241.9825% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.7466% | 2,264 |
| Noncurrent loans to loans | 0.6233% | 2,838 |
| Net loans and leases to total assets | 79.9670% | 991 |
| Net loans and leases to deposits | 88.9560% | 1,930 |
| Net loans and leases to core deposits | 112.2618% | 914 |
| Total domestic deposits to total assets | 89.8950% | 506 |
| Equity capital to assets | 8.2092% | 5,433 |
| Core capital (leverage) ratio | 8.2613% | 5,390 |
| Tier 1 risk-based capital ratio | 13.0126% | 4,000 |
| Total risk-based capital ratio | 14.2716% | 3,905 |
| Memoranda: | ||
| Average total assets | $64,881,250 | 4,920 |
| Average earning assets | $59,526,750 | 4,923 |
| Average equity | $5,486,500 | 5,244 |
| Average total loans | $52,948,000 | 4,425 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1862% | 406 |
| Cost of funding earning assets | 1.1035% | 100 |
| Net interest margin | 4.0827% | 1,374 |
| Noninterest income to average assets | 0.4725% | 3,205 |
| Noninterest expense to average assets | 2.5189% | 3,693 |
| Loan and lease loss provision to assets | 0.2284% | 759 |
| Net operating income to assets | 0.8355% | 3,218 |
| Return on assets (ROA) | 0.8355% | 3,272 |
| Pretax return on assets | 1.4644% | 1,783 |
| Return on Equity (ROE) | 9.7790% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.7790% | 626 |
| Net charge-offs to loans | 0.1646% | 1,183 |
| Credit loss provision to net charge-offs | 169.7674% | 1,407 |
| Earnings coverage of net charge-offs (x) | 12.5814% | 2,180 |
| Efficiency ratio | 59.8068% | 4,343 |
| Assets per employee ($millions) | 3.9468% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 1,659 |
| Loan loss allowance to noncurrent loans | 195.1456% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6737% | 2,528 |
| Noncurrent loans to loans | 0.7568% | 2,500 |
| Net loans and leases to total assets | 79.9347% | 967 |
| Net loans and leases to deposits | 89.0766% | 1,856 |
| Net loans and leases to core deposits | 112.7407% | 863 |
| Total domestic deposits to total assets | 89.7371% | 628 |
| Equity capital to assets | 8.3910% | 5,356 |
| Core capital (leverage) ratio | 8.6066% | 5,136 |
| Tier 1 risk-based capital ratio | 13.2294% | 3,854 |
| Total risk-based capital ratio | 14.4889% | 3,757 |
| Memoranda: | ||
| Average total assets | $63,915,670 | 4,974 |
| Average earning assets | $58,539,670 | 4,985 |
| Average equity | $5,460,670 | 5,282 |
| Average total loans | $52,254,000 | 4,461 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1614% | 403 |
| Cost of funding earning assets | 1.0770% | 108 |
| Net interest margin | 4.0844% | 1,254 |
| Noninterest income to average assets | 0.4300% | 3,447 |
| Noninterest expense to average assets | 2.5607% | 3,621 |
| Loan and lease loss provision to assets | 0.2503% | 600 |
| Net operating income to assets | 0.8343% | 3,060 |
| Return on assets (ROA) | 0.8343% | 3,116 |
| Pretax return on assets | 1.3670% | 1,997 |
| Return on Equity (ROE) | 9.6726% | 2,110 |
| Retained earnings to average equity (ytd only) | 9.6726% | 890 |
| Net charge-offs to loans | 0.1173% | 1,233 |
| Credit loss provision to net charge-offs | 260.0000% | 860 |
| Earnings coverage of net charge-offs (x) | 16.8000% | 1,626 |
| Efficiency ratio | 61.2903% | 4,266 |
| Assets per employee ($millions) | 3.6733% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 1,528 |
| Loan loss allowance to noncurrent loans | 200.5025% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 2,537 |
| Noncurrent loans to loans | 0.7707% | 2,543 |
| Net loans and leases to total assets | 81.4223% | 634 |
| Net loans and leases to deposits | 91.3279% | 1,394 |
| Net loans and leases to core deposits | 116.0580% | 592 |
| Total domestic deposits to total assets | 89.1538% | 1,076 |
| Equity capital to assets | 8.7388% | 5,045 |
| Core capital (leverage) ratio | 7.8622% | 5,607 |
| Tier 1 risk-based capital ratio | 12.5355% | 4,367 |
| Total risk-based capital ratio | 13.7962% | 4,266 |
| Memoranda: | ||
| Average total assets | $62,325,500 | 5,065 |
| Average earning assets | $57,193,500 | 5,068 |
| Average equity | $5,376,000 | 5,347 |
| Average total loans | $51,162,500 | 4,523 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2271% | 399 |
| Cost of funding earning assets | 1.0717% | 115 |
| Net interest margin | 4.1555% | 1,227 |
| Noninterest income to average assets | 0.4318% | 3,668 |
| Noninterest expense to average assets | 2.8776% | 2,752 |
| Loan and lease loss provision to assets | 0.1515% | 1,653 |
| Net operating income to assets | 0.8169% | 3,226 |
| Return on assets (ROA) | 0.8180% | 3,326 |
| Pretax return on assets | 1.2205% | 2,587 |
| Return on Equity (ROE) | 9.5871% | 2,150 |
| Retained earnings to average equity (ytd only) | 5.7675% | 1,842 |
| Net charge-offs to loans | 0.2377% | 1,174 |
| Credit loss provision to net charge-offs | 78.1513% | 3,001 |
| Earnings coverage of net charge-offs (x) | 7.0672% | 3,080 |
| Efficiency ratio | 67.7407% | 3,292 |
| Assets per employee ($millions) | 3.8878% | 4,163 |
| Cash dividends to net income (ytd only)* | 39.8406% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 1,573 |
| Loan loss allowance to noncurrent loans | 173.5426% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7813% | 2,397 |
| Noncurrent loans to loans | 0.8800% | 2,343 |
| Net loans and leases to total assets | 80.2315% | 868 |
| Net loans and leases to deposits | 89.6610% | 1,726 |
| Net loans and leases to core deposits | 115.6215% | 633 |
| Total domestic deposits to total assets | 89.4832% | 870 |
| Equity capital to assets | 8.5122% | 5,264 |
| Core capital (leverage) ratio | 8.5291% | 5,236 |
| Tier 1 risk-based capital ratio | 13.6912% | 3,656 |
| Total risk-based capital ratio | 14.9505% | 3,556 |
| Memoranda: | ||
| Average total assets | $61,370,000 | 5,108 |
| Average earning assets | $56,359,600 | 5,120 |
| Average equity | $5,236,200 | 5,422 |
| Average total loans | $50,071,800 | 4,572 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2132% | 416 |
| Cost of funding earning assets | 1.0631% | 120 |
| Net interest margin | 4.1502% | 1,254 |
| Noninterest income to average assets | 0.3858% | 4,021 |
| Noninterest expense to average assets | 2.8165% | 2,948 |
| Loan and lease loss provision to assets | 0.1591% | 1,455 |
| Net operating income to assets | 0.8648% | 3,076 |
| Return on assets (ROA) | 0.8633% | 3,215 |
| Pretax return on assets | 1.2208% | 2,748 |
| Return on Equity (ROE) | 10.1118% | 2,008 |
| Retained earnings to average equity (ytd only) | 5.0049% | 2,825 |
| Net charge-offs to loans | 0.3392% | 678 |
| Credit loss provision to net charge-offs | 57.4803% | 2,937 |
| Earnings coverage of net charge-offs (x) | 4.9921% | 3,191 |
| Efficiency ratio | 67.0820% | 3,411 |
| Assets per employee ($millions) | 3.9024% | 4,123 |
| Cash dividends to net income (ytd only)* | 50.5047% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 1,752 |
| Loan loss allowance to noncurrent loans | 293.7008% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 3,542 |
| Noncurrent loans to loans | 0.5122% | 3,459 |
| Net loans and leases to total assets | 78.2316% | 1,153 |
| Net loans and leases to deposits | 87.3469% | 2,100 |
| Net loans and leases to core deposits | 112.1605% | 801 |
| Total domestic deposits to total assets | 89.5642% | 644 |
| Equity capital to assets | 8.4498% | 5,556 |
| Core capital (leverage) ratio | 8.3768% | 5,442 |
| Tier 1 risk-based capital ratio | 13.3652% | 3,943 |
| Total risk-based capital ratio | 14.6237% | 3,849 |
| Memoranda: | ||
| Average total assets | $61,161,250 | 5,162 |
| Average earning assets | $56,188,750 | 5,166 |
| Average equity | $5,221,500 | 5,484 |
| Average total loans | $49,919,250 | 4,617 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2639% | 384 |
| Cost of funding earning assets | 1.0492% | 121 |
| Net interest margin | 4.2147% | 1,089 |
| Noninterest income to average assets | 0.3491% | 4,283 |
| Noninterest expense to average assets | 2.8649% | 2,791 |
| Loan and lease loss provision to assets | 0.1416% | 1,604 |
| Net operating income to assets | 0.8651% | 3,026 |
| Return on assets (ROA) | 0.8628% | 3,153 |
| Pretax return on assets | 1.2019% | 2,776 |
| Return on Equity (ROE) | 10.0705% | 2,016 |
| Retained earnings to average equity (ytd only) | 10.0705% | 582 |
| Net charge-offs to loans | 0.2279% | 1,028 |
| Credit loss provision to net charge-offs | 75.4386% | 2,418 |
| Earnings coverage of net charge-offs (x) | 7.1754% | 2,656 |
| Efficiency ratio | 68.0219% | 3,341 |
| Assets per employee ($millions) | 3.6691% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 1,729 |
| Loan loss allowance to noncurrent loans | 277.7385% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 3,485 |
| Noncurrent loans to loans | 0.5534% | 3,405 |
| Net loans and leases to total assets | 80.7279% | 792 |
| Net loans and leases to deposits | 90.2418% | 1,727 |
| Net loans and leases to core deposits | 116.2534% | 631 |
| Total domestic deposits to total assets | 89.4573% | 704 |
| Equity capital to assets | 8.5723% | 5,554 |
| Core capital (leverage) ratio | 8.4906% | 5,375 |
| Tier 1 risk-based capital ratio | 12.9912% | 4,201 |
| Total risk-based capital ratio | 14.2514% | 4,112 |
| Memoranda: | ||
| Average total assets | $60,735,330 | 5,229 |
| Average earning assets | $55,662,670 | 5,228 |
| Average equity | $5,203,330 | 5,547 |
| Average total loans | $50,028,000 | 4,643 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2833% | 363 |
| Cost of funding earning assets | 1.0435% | 125 |
| Net interest margin | 4.2398% | 1,014 |
| Noninterest income to average assets | 0.3605% | 4,149 |
| Noninterest expense to average assets | 2.8774% | 2,785 |
| Loan and lease loss provision to assets | 0.2203% | 869 |
| Net operating income to assets | 0.8946% | 2,783 |
| Return on assets (ROA) | 0.8946% | 2,909 |
| Pretax return on assets | 1.1416% | 2,926 |
| Return on Equity (ROE) | 10.4453% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.4453% | 753 |
| Net charge-offs to loans | 0.4609% | 486 |
| Credit loss provision to net charge-offs | 57.8947% | 1,992 |
| Earnings coverage of net charge-offs (x) | 3.5789% | 2,522 |
| Efficiency ratio | 67.8740% | 3,482 |
| Assets per employee ($millions) | 3.7399% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 1,777 |
| Loan loss allowance to noncurrent loans | 234.4411% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6317% | 3,165 |
| Noncurrent loans to loans | 0.6624% | 3,189 |
| Net loans and leases to total assets | 82.2120% | 534 |
| Net loans and leases to deposits | 92.1443% | 1,331 |
| Net loans and leases to core deposits | 112.3766% | 736 |
| Total domestic deposits to total assets | 89.2209% | 987 |
| Equity capital to assets | 8.7085% | 5,414 |
| Core capital (leverage) ratio | 8.5080% | 5,386 |
| Tier 1 risk-based capital ratio | 13.0041% | 4,266 |
| Total risk-based capital ratio | 14.2634% | 4,172 |
| Memoranda: | ||
| Average total assets | $59,915,500 | 5,291 |
| Average earning assets | $54,814,000 | 5,298 |
| Average equity | $5,131,500 | 5,603 |
| Average total loans | $49,472,000 | 4,693 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1299% | 490 |
| Cost of funding earning assets | 1.0032% | 174 |
| Net interest margin | 4.1267% | 1,344 |
| Noninterest income to average assets | 0.4696% | 3,535 |
| Noninterest expense to average assets | 3.0600% | 2,352 |
| Loan and lease loss provision to assets | 0.0658% | 2,967 |
| Net operating income to assets | 0.8209% | 3,243 |
| Return on assets (ROA) | 0.7607% | 3,613 |
| Pretax return on assets | 1.0327% | 3,335 |
| Return on Equity (ROE) | 8.8209% | 2,545 |
| Retained earnings to average equity (ytd only) | 4.8023% | 2,569 |
| Net charge-offs to loans | 0.0046% | 4,285 |
| Credit loss provision to net charge-offs | 1,900.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 340.5000% | 203 |
| Efficiency ratio | 72.1700% | 2,881 |
| Assets per employee ($millions) | 3.5290% | 4,778 |
| Cash dividends to net income (ytd only)* | 45.5581% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 1,517 |
| Loan loss allowance to noncurrent loans | 661.1570% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 4,411 |
| Noncurrent loans to loans | 0.2471% | 4,549 |
| Net loans and leases to total assets | 80.2994% | 800 |
| Net loans and leases to deposits | 89.6461% | 1,666 |
| Net loans and leases to core deposits | 109.1440% | 912 |
| Total domestic deposits to total assets | 89.5738% | 811 |
| Equity capital to assets | 8.4210% | 5,621 |
| Core capital (leverage) ratio | 8.2623% | 5,633 |
| Tier 1 risk-based capital ratio | 13.0699% | 4,262 |
| Total risk-based capital ratio | 14.3317% | 4,170 |
| Memoranda: | ||
| Average total assets | $57,712,200 | 5,369 |
| Average earning assets | $52,730,000 | 5,365 |
| Average equity | $4,976,800 | 5,661 |
| Average total loans | $43,710,600 | 4,868 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1057% | 513 |
| Cost of funding earning assets | 0.9915% | 190 |
| Net interest margin | 4.1142% | 1,378 |
| Noninterest income to average assets | 0.4713% | 3,558 |
| Noninterest expense to average assets | 2.9983% | 2,534 |
| Loan and lease loss provision to assets | 0.0583% | 3,019 |
| Net operating income to assets | 0.8547% | 3,153 |
| Return on assets (ROA) | 0.7747% | 3,646 |
| Pretax return on assets | 1.0617% | 3,367 |
| Return on Equity (ROE) | 8.9282% | 2,613 |
| Retained earnings to average equity (ytd only) | 8.9282% | 928 |
| Net charge-offs to loans | -0.0220% | 5,239 |
| Credit loss provision to net charge-offs | -357.1429% | 5,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9161% | 3,064 |
| Assets per employee ($millions) | 3.5399% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 1,403 |
| Loan loss allowance to noncurrent loans | 641.9355% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 4,565 |
| Noncurrent loans to loans | 0.2695% | 4,615 |
| Net loans and leases to total assets | 75.1342% | 1,522 |
| Net loans and leases to deposits | 83.9866% | 2,412 |
| Net loans and leases to core deposits | 104.1676% | 1,217 |
| Total domestic deposits to total assets | 89.4598% | 792 |
| Equity capital to assets | 8.5329% | 5,695 |
| Core capital (leverage) ratio | 8.8374% | 5,194 |
| Tier 1 risk-based capital ratio | 13.7070% | 4,019 |
| Total risk-based capital ratio | 14.9682% | 3,947 |
| Memoranda: | ||
| Average total assets | $57,142,000 | 5,450 |
| Average earning assets | $52,175,250 | 5,454 |
| Average equity | $4,958,000 | 5,737 |
| Average total loans | $42,394,750 | 4,977 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 531 |
| Cost of funding earning assets | 0.9848% | 192 |
| Net interest margin | 4.0916% | 1,375 |
| Noninterest income to average assets | 0.4668% | 3,582 |
| Noninterest expense to average assets | 3.1107% | 2,217 |
| Loan and lease loss provision to assets | 0.0178% | 3,768 |
| Net operating income to assets | 0.9043% | 2,856 |
| Return on assets (ROA) | 0.8195% | 3,390 |
| Pretax return on assets | 0.9692% | 3,701 |
| Return on Equity (ROE) | 9.3897% | 2,342 |
| Retained earnings to average equity (ytd only) | 9.3897% | 805 |
| Net charge-offs to loans | -0.0340% | 5,376 |
| Credit loss provision to net charge-offs | -71.4286% | 4,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1087% | 2,661 |
| Assets per employee ($millions) | 3.3729% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7974% | 1,379 |
| Loan loss allowance to noncurrent loans | 620.8000% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.3261% | 4,574 |
| Noncurrent loans to loans | 0.2895% | 4,647 |
| Net loans and leases to total assets | 73.9397% | 1,674 |
| Net loans and leases to deposits | 82.8455% | 2,454 |
| Net loans and leases to core deposits | 104.0187% | 1,185 |
| Total domestic deposits to total assets | 89.2501% | 1,025 |
| Equity capital to assets | 8.6624% | 5,552 |
| Core capital (leverage) ratio | 8.8678% | 5,135 |
| Tier 1 risk-based capital ratio | 14.0525% | 3,896 |
| Total risk-based capital ratio | 15.3149% | 3,825 |
| Memoranda: | ||
| Average total assets | $56,129,670 | 5,532 |
| Average earning assets | $51,177,670 | 5,534 |
| Average equity | $4,899,000 | 5,800 |
| Average total loans | $41,189,330 | 5,062 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9936% | 572 |
| Cost of funding earning assets | 0.9640% | 214 |
| Net interest margin | 4.0296% | 1,467 |
| Noninterest income to average assets | 0.3314% | 4,537 |
| Noninterest expense to average assets | 3.0977% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9365% | 2,575 |
| Return on assets (ROA) | 0.7564% | 3,639 |
| Pretax return on assets | 0.7276% | 4,513 |
| Return on Equity (ROE) | 8.6331% | 2,629 |
| Retained earnings to average equity (ytd only) | 8.6331% | 1,328 |
| Net charge-offs to loans | 0.1194% | 1,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,932 |
| Efficiency ratio | 77.3381% | 2,292 |
| Assets per employee ($millions) | 3.2831% | 5,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8237% | 1,445 |
| Loan loss allowance to noncurrent loans | 475.9494% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 4,614 |
| Noncurrent loans to loans | 0.3832% | 4,445 |
| Net loans and leases to total assets | 72.5328% | 1,727 |
| Net loans and leases to deposits | 81.4396% | 2,391 |
| Net loans and leases to core deposits | 101.3646% | 1,229 |
| Total domestic deposits to total assets | 89.0633% | 1,222 |
| Equity capital to assets | 8.8225% | 5,482 |
| Core capital (leverage) ratio | 8.8841% | 5,092 |
| Tier 1 risk-based capital ratio | 14.1301% | 3,928 |
| Total risk-based capital ratio | 15.3912% | 3,851 |
| Memoranda: | ||
| Average total assets | $55,524,500 | 5,603 |
| Average earning assets | $50,625,000 | 5,605 |
| Average equity | $4,865,000 | 5,864 |
| Average total loans | $40,197,500 | 5,131 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2417% | 483 |
| Cost of funding earning assets | 1.0024% | 228 |
| Net interest margin | 4.2394% | 1,188 |
| Noninterest income to average assets | 0.4320% | 3,956 |
| Noninterest expense to average assets | 3.1264% | 2,431 |
| Loan and lease loss provision to assets | 0.2552% | 879 |
| Net operating income to assets | 0.8449% | 3,139 |
| Return on assets (ROA) | 0.8659% | 3,134 |
| Pretax return on assets | 0.9042% | 3,891 |
| Return on Equity (ROE) | 10.6545% | 1,834 |
| Retained earnings to average equity (ytd only) | 8.4115% | 865 |
| Net charge-offs to loans | 0.4767% | 878 |
| Credit loss provision to net charge-offs | 77.7778% | 2,909 |
| Earnings coverage of net charge-offs (x) | 3.4667% | 3,887 |
| Efficiency ratio | 73.3219% | 2,962 |
| Assets per employee ($millions) | 3.4523% | 4,976 |
| Cash dividends to net income (ytd only)* | 21.0526% | 3,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 1,199 |
| Loan loss allowance to noncurrent loans | 465.8537% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 3,802 |
| Noncurrent loans to loans | 0.4188% | 4,386 |
| Net loans and leases to total assets | 69.5132% | 2,309 |
| Net loans and leases to deposits | 77.9492% | 2,979 |
| Net loans and leases to core deposits | 97.2101% | 1,618 |
| Total domestic deposits to total assets | 89.1775% | 1,135 |
| Equity capital to assets | 8.7007% | 5,577 |
| Core capital (leverage) ratio | 8.5671% | 5,481 |
| Tier 1 risk-based capital ratio | 14.4635% | 3,799 |
| Total risk-based capital ratio | 15.7262% | 3,728 |
| Memoranda: | ||
| Average total assets | $54,855,800 | 5,678 |
| Average earning assets | $49,582,800 | 5,689 |
| Average equity | $4,458,200 | 5,996 |
| Average total loans | $37,759,400 | 5,268 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2355% | 484 |
| Cost of funding earning assets | 1.0039% | 243 |
| Net interest margin | 4.2316% | 1,198 |
| Noninterest income to average assets | 0.4285% | 4,031 |
| Noninterest expense to average assets | 3.0362% | 2,686 |
| Loan and lease loss provision to assets | 0.3165% | 593 |
| Net operating income to assets | 0.8207% | 3,337 |
| Return on assets (ROA) | 0.8230% | 3,412 |
| Pretax return on assets | 0.8960% | 4,006 |
| Return on Equity (ROE) | 10.3096% | 2,066 |
| Retained earnings to average equity (ytd only) | 8.7844% | 1,066 |
| Net charge-offs to loans | 0.6344% | 568 |
| Credit loss provision to net charge-offs | 73.0337% | 2,713 |
| Earnings coverage of net charge-offs (x) | 2.7921% | 3,822 |
| Efficiency ratio | 71.5023% | 3,270 |
| Assets per employee ($millions) | 3.2532% | 5,323 |
| Cash dividends to net income (ytd only)* | 14.7939% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9726% | 1,304 |
| Loan loss allowance to noncurrent loans | 564.1791% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.5768% | 4,112 |
| Noncurrent loans to loans | 0.3496% | 4,857 |
| Net loans and leases to total assets | 67.9318% | 2,546 |
| Net loans and leases to deposits | 76.0799% | 3,174 |
| Net loans and leases to core deposits | 94.5536% | 1,800 |
| Total domestic deposits to total assets | 89.2901% | 1,079 |
| Equity capital to assets | 8.4985% | 5,798 |
| Core capital (leverage) ratio | 8.4362% | 5,721 |
| Tier 1 risk-based capital ratio | 14.1233% | 4,127 |
| Total risk-based capital ratio | 15.3865% | 4,054 |
| Memoranda: | ||
| Average total assets | $54,760,500 | 5,742 |
| Average earning assets | $49,404,750 | 5,757 |
| Average equity | $4,371,250 | 6,076 |
| Average total loans | $37,409,000 | 5,327 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1430% | 567 |
| Cost of funding earning assets | 1.0123% | 244 |
| Net interest margin | 4.1306% | 1,424 |
| Noninterest income to average assets | 0.4507% | 3,867 |
| Noninterest expense to average assets | 3.1074% | 2,466 |
| Loan and lease loss provision to assets | 0.3298% | 566 |
| Net operating income to assets | 0.7585% | 3,525 |
| Return on assets (ROA) | 0.7585% | 3,629 |
| Pretax return on assets | 0.7365% | 4,509 |
| Return on Equity (ROE) | 9.7145% | 2,278 |
| Retained earnings to average equity (ytd only) | 9.7145% | 788 |
| Net charge-offs to loans | 0.8624% | 430 |
| Credit loss provision to net charge-offs | 56.2500% | 2,696 |
| Earnings coverage of net charge-offs (x) | 1.8188% | 3,705 |
| Efficiency ratio | 74.4513% | 2,900 |
| Assets per employee ($millions) | 3.2439% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9725% | 1,414 |
| Loan loss allowance to noncurrent loans | 107.3099% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.6918% | 1,926 |
| Noncurrent loans to loans | 1.8381% | 1,866 |
| Net loans and leases to total assets | 66.1468% | 2,729 |
| Net loans and leases to deposits | 73.8122% | 3,344 |
| Net loans and leases to core deposits | 90.5543% | 2,072 |
| Total domestic deposits to total assets | 89.6150% | 1,008 |
| Equity capital to assets | 8.2561% | 5,982 |
| Core capital (leverage) ratio | 8.1593% | 5,971 |
| Tier 1 risk-based capital ratio | 14.0237% | 4,249 |
| Total risk-based capital ratio | 15.2861% | 4,175 |
| Memoranda: | ||
| Average total assets | $54,579,330 | 5,797 |
| Average earning assets | $49,193,330 | 5,807 |
| Average equity | $4,261,670 | 6,148 |
| Average total loans | $37,103,670 | 5,374 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1892% | 497 |
| Cost of funding earning assets | 1.0199% | 250 |
| Net interest margin | 4.1693% | 1,298 |
| Noninterest income to average assets | 0.4273% | 3,969 |
| Noninterest expense to average assets | 3.0573% | 2,666 |
| Loan and lease loss provision to assets | 0.3315% | 544 |
| Net operating income to assets | 0.8251% | 3,030 |
| Return on assets (ROA) | 0.8251% | 3,100 |
| Pretax return on assets | 0.8030% | 4,097 |
| Return on Equity (ROE) | 10.8844% | 1,723 |
| Retained earnings to average equity (ytd only) | 10.8844% | 764 |
| Net charge-offs to loans | 1.2092% | 277 |
| Credit loss provision to net charge-offs | 40.1786% | 2,298 |
| Earnings coverage of net charge-offs (x) | 1.3750% | 3,112 |
| Efficiency ratio | 72.9350% | 3,317 |
| Assets per employee ($millions) | 3.2295% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9709% | 1,574 |
| Loan loss allowance to noncurrent loans | 84.2286% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.9872% | 1,728 |
| Noncurrent loans to loans | 2.3399% | 1,520 |
| Net loans and leases to total assets | 66.7693% | 2,438 |
| Net loans and leases to deposits | 74.1099% | 3,048 |
| Net loans and leases to core deposits | 89.9227% | 1,913 |
| Total domestic deposits to total assets | 90.0949% | 1,018 |
| Equity capital to assets | 7.7959% | 6,179 |
| Core capital (leverage) ratio | 8.2246% | 5,922 |
| Tier 1 risk-based capital ratio | 13.5808% | 4,617 |
| Total risk-based capital ratio | 14.8430% | 4,565 |
| Memoranda: | ||
| Average total assets | $54,295,500 | 5,860 |
| Average earning assets | $49,025,000 | 5,868 |
| Average equity | $4,116,000 | 6,217 |
| Average total loans | $37,049,500 | 5,420 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3720% | 462 |
| Cost of funding earning assets | 1.0439% | 367 |
| Net interest margin | 4.3281% | 1,040 |
| Noninterest income to average assets | 0.5368% | 3,504 |
| Noninterest expense to average assets | 3.1814% | 2,477 |
| Loan and lease loss provision to assets | 0.4641% | 613 |
| Net operating income to assets | 0.6784% | 3,901 |
| Return on assets (ROA) | 0.6784% | 3,990 |
| Pretax return on assets | 0.8014% | 4,137 |
| Return on Equity (ROE) | 9.0318% | 2,517 |
| Retained earnings to average equity (ytd only) | 7.7912% | 1,124 |
| Net charge-offs to loans | 0.1295% | 3,517 |
| Credit loss provision to net charge-offs | 518.7500% | 452 |
| Earnings coverage of net charge-offs (x) | 14.1458% | 1,964 |
| Efficiency ratio | 71.5423% | 3,561 |
| Assets per employee ($millions) | 3.1582% | 5,571 |
| Cash dividends to net income (ytd only)* | 13.7363% | 3,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1904% | 1,187 |
| Loan loss allowance to noncurrent loans | 94.8113% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.5794% | 2,359 |
| Noncurrent loans to loans | 2.3103% | 1,666 |
| Net loans and leases to total assets | 66.8672% | 2,547 |
| Net loans and leases to deposits | 73.8901% | 3,276 |
| Net loans and leases to core deposits | 89.9752% | 2,027 |
| Total domestic deposits to total assets | 90.4954% | 816 |
| Equity capital to assets | 7.3608% | 6,343 |
| Core capital (leverage) ratio | 8.1186% | 6,039 |
| Tier 1 risk-based capital ratio | 13.1600% | 4,877 |
| Total risk-based capital ratio | 14.4254% | 4,807 |
| Memoranda: | ||
| Average total assets | $53,655,600 | 5,926 |
| Average earning assets | $48,473,800 | 5,930 |
| Average equity | $4,030,200 | 6,317 |
| Average total loans | $37,072,200 | 5,460 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4073% | 437 |
| Cost of funding earning assets | 1.0451% | 398 |
| Net interest margin | 4.3621% | 965 |
| Noninterest income to average assets | 0.5294% | 3,595 |
| Noninterest expense to average assets | 3.0992% | 2,650 |
| Loan and lease loss provision to assets | 0.4200% | 698 |
| Net operating income to assets | 0.7133% | 3,796 |
| Return on assets (ROA) | 0.7133% | 3,924 |
| Pretax return on assets | 0.9519% | 3,682 |
| Return on Equity (ROE) | 9.4490% | 2,425 |
| Retained earnings to average equity (ytd only) | 9.4490% | 923 |
| Net charge-offs to loans | 0.1435% | 3,105 |
| Credit loss provision to net charge-offs | 422.5000% | 629 |
| Earnings coverage of net charge-offs (x) | 13.8005% | 1,997 |
| Efficiency ratio | 69.3163% | 3,869 |
| Assets per employee ($millions) | 3.1945% | 5,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9661% | 1,808 |
| Loan loss allowance to noncurrent loans | 85.5140% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.5762% | 2,571 |
| Noncurrent loans to loans | 2.2992% | 1,907 |
| Net loans and leases to total assets | 67.2086% | 2,430 |
| Net loans and leases to deposits | 74.2982% | 3,194 |
| Net loans and leases to core deposits | 89.6297% | 2,009 |
| Total domestic deposits to total assets | 90.4580% | 756 |
| Equity capital to assets | 7.2735% | 6,469 |
| Core capital (leverage) ratio | 7.9845% | 6,233 |
| Tier 1 risk-based capital ratio | 12.2677% | 5,592 |
| Total risk-based capital ratio | 13.5279% | 5,524 |
| Memoranda: | ||
| Average total assets | $53,647,000 | 5,991 |
| Average earning assets | $48,476,500 | 5,997 |
| Average equity | $4,049,750 | 6,388 |
| Average total loans | $37,164,000 | 5,508 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3693% | 467 |
| Cost of funding earning assets | 1.0373% | 453 |
| Net interest margin | 4.3320% | 974 |
| Noninterest income to average assets | 0.5428% | 3,551 |
| Noninterest expense to average assets | 3.0696% | 2,765 |
| Loan and lease loss provision to assets | 0.4455% | 654 |
| Net operating income to assets | 0.6813% | 3,898 |
| Return on assets (ROA) | 0.6813% | 4,066 |
| Pretax return on assets | 0.9359% | 3,762 |
| Return on Equity (ROE) | 8.9150% | 2,652 |
| Retained earnings to average equity (ytd only) | 8.9150% | 1,159 |
| Net charge-offs to loans | 0.1777% | 2,693 |
| Credit loss provision to net charge-offs | 360.6061% | 724 |
| Earnings coverage of net charge-offs (x) | 11.1818% | 2,075 |
| Efficiency ratio | 68.9655% | 4,016 |
| Assets per employee ($millions) | 3.2786% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7873% | 2,475 |
| Loan loss allowance to noncurrent loans | 99.8551% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.5448% | 2,792 |
| Noncurrent loans to loans | 1.7899% | 2,649 |
| Net loans and leases to total assets | 67.9279% | 2,250 |
| Net loans and leases to deposits | 74.6721% | 3,055 |
| Net loans and leases to core deposits | 89.5546% | 1,948 |
| Total domestic deposits to total assets | 90.9683% | 554 |
| Equity capital to assets | 6.9218% | 6,618 |
| Core capital (leverage) ratio | 7.8685% | 6,265 |
| Tier 1 risk-based capital ratio | 12.1450% | 5,713 |
| Total risk-based capital ratio | 13.4025% | 5,650 |
| Memoranda: | ||
| Average total assets | $53,427,000 | 6,038 |
| Average earning assets | $48,200,000 | 6,035 |
| Average equity | $4,083,000 | 6,430 |
| Average total loans | $37,141,670 | 5,535 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4395% | 402 |
| Cost of funding earning assets | 1.0369% | 503 |
| Net interest margin | 4.4026% | 802 |
| Noninterest income to average assets | 0.4515% | 4,114 |
| Noninterest expense to average assets | 3.2752% | 2,143 |
| Loan and lease loss provision to assets | 0.4744% | 578 |
| Net operating income to assets | 0.6887% | 3,747 |
| Return on assets (ROA) | 0.6887% | 3,893 |
| Pretax return on assets | 0.6657% | 4,723 |
| Return on Equity (ROE) | 8.5806% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.5806% | 1,527 |
| Net charge-offs to loans | 0.0439% | 3,418 |
| Credit loss provision to net charge-offs | 1,550.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 37.2500% | 838 |
| Efficiency ratio | 74.1768% | 3,234 |
| Assets per employee ($millions) | 3.1153% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 2,882 |
| Loan loss allowance to noncurrent loans | 300.4545% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 4,527 |
| Noncurrent loans to loans | 0.5754% | 5,008 |
| Net loans and leases to total assets | 70.9422% | 1,528 |
| Net loans and leases to deposits | 80.6903% | 1,991 |
| Net loans and leases to core deposits | 93.0390% | 1,411 |
| Total domestic deposits to total assets | 87.9192% | 2,372 |
| Equity capital to assets | 7.9569% | 6,400 |
| Core capital (leverage) ratio | 8.1201% | 6,027 |
| Tier 1 risk-based capital ratio | 12.1558% | 5,819 |
| Total risk-based capital ratio | 13.4135% | 5,774 |
| Memoranda: | ||
| Average total assets | $52,272,000 | 6,119 |
| Average earning assets | $47,063,500 | 6,128 |
| Average equity | $4,195,500 | 6,467 |
| Average total loans | $36,437,500 | 5,597 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7720% | 385 |
| Cost of funding earning assets | 1.1224% | 834 |
| Net interest margin | 4.6496% | 717 |
| Noninterest income to average assets | 0.5567% | 3,529 |
| Noninterest expense to average assets | 3.6807% | 1,454 |
| Loan and lease loss provision to assets | 0.5193% | 1,127 |
| Net operating income to assets | 0.3575% | 5,262 |
| Return on assets (ROA) | 0.5390% | 4,778 |
| Pretax return on assets | 0.7141% | 4,623 |
| Return on Equity (ROE) | 6.5897% | 3,865 |
| Retained earnings to average equity (ytd only) | 4.1847% | 3,284 |
| Net charge-offs to loans | 0.7623% | 1,537 |
| Credit loss provision to net charge-offs | 96.0000% | 3,231 |
| Earnings coverage of net charge-offs (x) | 1.8327% | 4,518 |
| Efficiency ratio | 78.7789% | 2,313 |
| Assets per employee ($millions) | 3.0344% | 5,959 |
| Cash dividends to net income (ytd only)* | 36.4964% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7406% | 2,785 |
| Loan loss allowance to noncurrent loans | 292.7184% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 4,651 |
| Noncurrent loans to loans | 0.5946% | 5,038 |
| Net loans and leases to total assets | 65.9895% | 2,529 |
| Net loans and leases to deposits | 73.6350% | 3,153 |
| Net loans and leases to core deposits | 85.9097% | 2,320 |
| Total domestic deposits to total assets | 89.6169% | 1,178 |
| Equity capital to assets | 8.0975% | 6,353 |
| Core capital (leverage) ratio | 7.9881% | 6,204 |
| Tier 1 risk-based capital ratio | 13.0709% | 5,054 |
| Total risk-based capital ratio | 14.3301% | 4,999 |
| Memoranda: | ||
| Average total assets | $50,833,200 | 6,190 |
| Average earning assets | $44,993,200 | 6,209 |
| Average equity | $4,158,000 | 6,532 |
| Average total loans | $36,072,800 | 5,677 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8640% | 358 |
| Cost of funding earning assets | 1.1441% | 883 |
| Net interest margin | 4.7199% | 649 |
| Noninterest income to average assets | 0.6292% | 3,110 |
| Noninterest expense to average assets | 3.4803% | 1,804 |
| Loan and lease loss provision to assets | 0.4581% | 1,357 |
| Net operating income to assets | 0.5744% | 4,498 |
| Return on assets (ROA) | 0.6818% | 4,259 |
| Pretax return on assets | 1.0083% | 3,676 |
| Return on Equity (ROE) | 8.3145% | 3,127 |
| Retained earnings to average equity (ytd only) | 5.1042% | 3,292 |
| Net charge-offs to loans | 0.5490% | 1,957 |
| Credit loss provision to net charge-offs | 116.0000% | 2,508 |
| Earnings coverage of net charge-offs (x) | 3.3133% | 3,698 |
| Efficiency ratio | 72.6773% | 3,202 |
| Assets per employee ($millions) | 3.0204% | 6,019 |
| Cash dividends to net income (ytd only)* | 38.6106% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7518% | 2,962 |
| Loan loss allowance to noncurrent loans | 163.1714% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 1.0984% | 4,100 |
| Noncurrent loans to loans | 1.0736% | 4,293 |
| Net loans and leases to total assets | 69.6880% | 1,974 |
| Net loans and leases to deposits | 77.8564% | 2,682 |
| Net loans and leases to core deposits | 89.6612% | 2,029 |
| Total domestic deposits to total assets | 89.5084% | 1,122 |
| Equity capital to assets | 8.1837% | 6,495 |
| Core capital (leverage) ratio | 8.1324% | 6,206 |
| Tier 1 risk-based capital ratio | 12.8807% | 5,340 |
| Total risk-based capital ratio | 14.1401% | 5,301 |
| Memoranda: | ||
| Average total assets | $50,645,500 | 6,266 |
| Average earning assets | $44,632,500 | 6,284 |
| Average equity | $4,153,250 | 6,610 |
| Average total loans | $36,430,250 | 5,731 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8503% | 374 |
| Cost of funding earning assets | 1.1594% | 981 |
| Net interest margin | 4.6909% | 686 |
| Noninterest income to average assets | 0.5197% | 3,791 |
| Noninterest expense to average assets | 3.3881% | 2,060 |
| Loan and lease loss provision to assets | 0.4562% | 1,400 |
| Net operating income to assets | 0.5569% | 4,555 |
| Return on assets (ROA) | 0.7062% | 4,098 |
| Pretax return on assets | 1.0751% | 3,392 |
| Return on Equity (ROE) | 8.6053% | 2,978 |
| Retained earnings to average equity (ytd only) | 8.6053% | 1,412 |
| Net charge-offs to loans | 0.4556% | 2,237 |
| Credit loss provision to net charge-offs | 138.5542% | 1,992 |
| Earnings coverage of net charge-offs (x) | 3.9639% | 3,218 |
| Efficiency ratio | 72.1893% | 3,398 |
| Assets per employee ($millions) | 2.9722% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 2,965 |
| Loan loss allowance to noncurrent loans | 163.9594% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 1.4487% | 3,537 |
| Noncurrent loans to loans | 1.0773% | 4,364 |
| Net loans and leases to total assets | 71.1012% | 1,720 |
| Net loans and leases to deposits | 79.5738% | 2,442 |
| Net loans and leases to core deposits | 91.1827% | 1,850 |
| Total domestic deposits to total assets | 89.3524% | 1,302 |
| Equity capital to assets | 8.3241% | 6,358 |
| Core capital (leverage) ratio | 9.8204% | 3,685 |
| Tier 1 risk-based capital ratio | 12.4255% | 5,629 |
| Total risk-based capital ratio | 13.6828% | 5,595 |
| Memoranda: | ||
| Average total assets | $50,412,000 | 6,314 |
| Average earning assets | $44,852,330 | 6,316 |
| Average equity | $4,137,000 | 6,645 |
| Average total loans | $36,433,670 | 5,766 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9190% | 350 |
| Cost of funding earning assets | 1.1928% | 1,021 |
| Net interest margin | 4.7262% | 655 |
| Noninterest income to average assets | 0.5720% | 3,406 |
| Noninterest expense to average assets | 3.2649% | 2,403 |
| Loan and lease loss provision to assets | 0.3178% | 1,973 |
| Net operating income to assets | 0.7416% | 3,668 |
| Return on assets (ROA) | 0.7467% | 3,877 |
| Pretax return on assets | 1.1836% | 2,968 |
| Return on Equity (ROE) | 9.1651% | 2,751 |
| Retained earnings to average equity (ytd only) | 9.1651% | 1,526 |
| Net charge-offs to loans | 0.4400% | 1,991 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 4.7000% | 2,517 |
| Efficiency ratio | 68.6144% | 4,050 |
| Assets per employee ($millions) | 2.9758% | 6,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6697% | 3,465 |
| Loan loss allowance to noncurrent loans | 155.8376% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.9567% | 4,590 |
| Noncurrent loans to loans | 1.0714% | 4,557 |
| Net loans and leases to total assets | 71.4760% | 1,487 |
| Net loans and leases to deposits | 79.9288% | 2,209 |
| Net loans and leases to core deposits | 91.5557% | 1,696 |
| Total domestic deposits to total assets | 89.4246% | 1,411 |
| Equity capital to assets | 8.1935% | 6,365 |
| Core capital (leverage) ratio | 8.0992% | 6,160 |
| Tier 1 risk-based capital ratio | 12.1923% | 5,826 |
| Total risk-based capital ratio | 13.4485% | 5,797 |
| Memoranda: | ||
| Average total assets | $50,354,000 | 6,361 |
| Average earning assets | $44,602,500 | 6,378 |
| Average equity | $4,102,500 | 6,693 |
| Average total loans | $36,364,500 | 5,804 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9656% | 455 |
| Cost of funding earning assets | 1.3427% | 1,276 |
| Net interest margin | 4.6229% | 878 |
| Noninterest income to average assets | 0.5984% | 3,173 |
| Noninterest expense to average assets | 3.2978% | 2,531 |
| Loan and lease loss provision to assets | 0.5984% | 1,724 |
| Net operating income to assets | 0.6311% | 3,823 |
| Return on assets (ROA) | 0.6469% | 3,947 |
| Pretax return on assets | 0.8661% | 3,723 |
| Return on Equity (ROE) | 8.5349% | 2,659 |
| Retained earnings to average equity (ytd only) | 7.1448% | 1,433 |
| Net charge-offs to loans | 0.2724% | 4,066 |
| Credit loss provision to net charge-offs | 302.1277% | 773 |
| Earnings coverage of net charge-offs (x) | 7.2872% | 2,360 |
| Efficiency ratio | 69.5556% | 4,050 |
| Assets per employee ($millions) | 2.9482% | 6,201 |
| Cash dividends to net income (ytd only)* | 16.2866% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7076% | 3,171 |
| Loan loss allowance to noncurrent loans | 108.8652% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.3049% | 4,039 |
| Noncurrent loans to loans | 1.5686% | 3,806 |
| Net loans and leases to total assets | 70.5162% | 1,928 |
| Net loans and leases to deposits | 78.7197% | 2,725 |
| Net loans and leases to core deposits | 89.7119% | 2,163 |
| Total domestic deposits to total assets | 89.5788% | 1,215 |
| Equity capital to assets | 8.1007% | 6,511 |
| Core capital (leverage) ratio | 8.0344% | 6,222 |
| Tier 1 risk-based capital ratio | 12.4612% | 5,484 |
| Total risk-based capital ratio | 13.7189% | 5,458 |
| Memoranda: | ||
| Average total assets | $47,456,200 | 6,439 |
| Average earning assets | $42,527,400 | 6,441 |
| Average equity | $3,597,000 | 6,852 |
| Average total loans | $34,510,600 | 5,935 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9967% | 464 |
| Cost of funding earning assets | 1.3733% | 1,353 |
| Net interest margin | 4.6234% | 905 |
| Noninterest income to average assets | 0.6354% | 2,963 |
| Noninterest expense to average assets | 3.1772% | 2,892 |
| Loan and lease loss provision to assets | 0.5500% | 1,786 |
| Net operating income to assets | 0.8114% | 3,100 |
| Return on assets (ROA) | 0.8292% | 3,189 |
| Pretax return on assets | 1.0657% | 3,146 |
| Return on Equity (ROE) | 11.1451% | 1,814 |
| Retained earnings to average equity (ytd only) | 11.1451% | 605 |
| Net charge-offs to loans | 0.3475% | 3,358 |
| Credit loss provision to net charge-offs | 216.8539% | 1,317 |
| Earnings coverage of net charge-offs (x) | 6.2811% | 2,580 |
| Efficiency ratio | 66.6069% | 4,603 |
| Assets per employee ($millions) | 3.0323% | 6,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 4,292 |
| Loan loss allowance to noncurrent loans | 66.1654% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.8550% | 3,323 |
| Noncurrent loans to loans | 2.2054% | 3,101 |
| Net loans and leases to total assets | 73.4918% | 1,414 |
| Net loans and leases to deposits | 82.4645% | 2,266 |
| Net loans and leases to core deposits | 94.1786% | 1,778 |
| Total domestic deposits to total assets | 89.1193% | 1,355 |
| Equity capital to assets | 8.4424% | 6,355 |
| Core capital (leverage) ratio | 8.1566% | 6,190 |
| Tier 1 risk-based capital ratio | 12.3133% | 5,655 |
| Total risk-based capital ratio | 13.5671% | 5,640 |
| Memoranda: | ||
| Average total assets | $46,790,500 | 6,516 |
| Average earning assets | $41,844,250 | 6,520 |
| Average equity | $3,481,250 | 6,940 |
| Average total loans | $34,149,250 | 6,012 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9833% | 494 |
| Cost of funding earning assets | 1.3830% | 1,489 |
| Net interest margin | 4.6003% | 908 |
| Noninterest income to average assets | 0.6491% | 2,848 |
| Noninterest expense to average assets | 3.1721% | 2,996 |
| Loan and lease loss provision to assets | 0.5323% | 1,835 |
| Net operating income to assets | 0.8126% | 3,016 |
| Return on assets (ROA) | 0.8396% | 3,005 |
| Pretax return on assets | 1.0819% | 2,924 |
| Return on Equity (ROE) | 11.8425% | 1,542 |
| Retained earnings to average equity (ytd only) | 11.8425% | 537 |
| Net charge-offs to loans | 0.2510% | 3,623 |
| Credit loss provision to net charge-offs | 292.8571% | 1,042 |
| Earnings coverage of net charge-offs (x) | 8.6905% | 2,016 |
| Efficiency ratio | 66.7577% | 4,730 |
| Assets per employee ($millions) | 3.0144% | 6,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 4,451 |
| Loan loss allowance to noncurrent loans | 80.4140% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 3,931 |
| Noncurrent loans to loans | 1.7755% | 3,787 |
| Net loans and leases to total assets | 72.2890% | 1,734 |
| Net loans and leases to deposits | 79.9693% | 2,806 |
| Net loans and leases to core deposits | 95.0078% | 1,795 |
| Total domestic deposits to total assets | 90.3960% | 760 |
| Equity capital to assets | 7.1553% | 7,069 |
| Core capital (leverage) ratio | 7.2817% | 6,876 |
| Tier 1 risk-based capital ratio | 10.5573% | 6,769 |
| Total risk-based capital ratio | 11.8112% | 6,762 |
| Memoranda: | ||
| Average total assets | $46,215,000 | 6,591 |
| Average earning assets | $41,214,670 | 6,594 |
| Average equity | $3,276,330 | 7,047 |
| Average total loans | $33,471,000 | 6,107 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9406% | 541 |
| Cost of funding earning assets | 1.4130% | 1,549 |
| Net interest margin | 4.5276% | 1,009 |
| Noninterest income to average assets | 0.6548% | 2,811 |
| Noninterest expense to average assets | 3.2207% | 2,814 |
| Loan and lease loss provision to assets | 0.4689% | 1,876 |
| Net operating income to assets | 0.7687% | 3,178 |
| Return on assets (ROA) | 0.7963% | 3,122 |
| Pretax return on assets | 1.0264% | 3,036 |
| Return on Equity (ROE) | 11.2888% | 1,648 |
| Retained earnings to average equity (ytd only) | 11.2888% | 843 |
| Net charge-offs to loans | 0.4551% | 2,331 |
| Credit loss provision to net charge-offs | 143.2432% | 1,970 |
| Earnings coverage of net charge-offs (x) | 4.4595% | 2,475 |
| Efficiency ratio | 68.8091% | 4,509 |
| Assets per employee ($millions) | 2.8277% | 6,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 5,000 |
| Loan loss allowance to noncurrent loans | 96.7033% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.2400% | 4,471 |
| Noncurrent loans to loans | 1.3733% | 4,411 |
| Net loans and leases to total assets | 72.2609% | 1,669 |
| Net loans and leases to deposits | 80.1279% | 2,704 |
| Net loans and leases to core deposits | 92.1657% | 2,111 |
| Total domestic deposits to total assets | 90.1819% | 1,035 |
| Equity capital to assets | 7.1746% | 7,027 |
| Core capital (leverage) ratio | 7.1988% | 6,916 |
| Tier 1 risk-based capital ratio | 10.3365% | 6,892 |
| Total risk-based capital ratio | 11.5894% | 6,875 |
| Memoranda: | ||
| Average total assets | $45,207,500 | 6,661 |
| Average earning assets | $40,198,000 | 6,681 |
| Average equity | $3,189,000 | 7,110 |
| Average total loans | $32,521,500 | 6,209 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3577% | 412 |
| Cost of funding earning assets | 1.7255% | 1,483 |
| Net interest margin | 4.6323% | 944 |
| Noninterest income to average assets | 0.9537% | 1,661 |
| Noninterest expense to average assets | 4.1565% | 953 |
| Loan and lease loss provision to assets | 0.7397% | 2,216 |
| Net operating income to assets | 0.1186% | 5,541 |
| Return on assets (ROA) | 0.1186% | 5,684 |
| Pretax return on assets | 0.1163% | 5,671 |
| Return on Equity (ROE) | 1.5809% | 5,531 |
| Retained earnings to average equity (ytd only) | 1.5809% | 4,733 |
| Net charge-offs to loans | 0.6774% | 2,975 |
| Credit loss provision to net charge-offs | 147.9070% | 2,470 |
| Earnings coverage of net charge-offs (x) | 1.7116% | 4,436 |
| Efficiency ratio | 82.9234% | 2,060 |
| Assets per employee ($millions) | 2.6572% | 6,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 4,857 |
| Loan loss allowance to noncurrent loans | 110.7050% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 1.1600% | 4,695 |
| Noncurrent loans to loans | 1.2003% | 4,720 |
| Net loans and leases to total assets | 69.7025% | 2,597 |
| Net loans and leases to deposits | 77.0564% | 3,671 |
| Net loans and leases to core deposits | 88.0235% | 3,046 |
| Total domestic deposits to total assets | 90.4565% | 858 |
| Equity capital to assets | 6.9335% | 7,135 |
| Core capital (leverage) ratio | 7.1239% | 6,954 |
| Tier 1 risk-based capital ratio | 10.5870% | 6,649 |
| Total risk-based capital ratio | 11.8379% | 6,614 |
| Memoranda: | ||
| Average total assets | $42,992,400 | 6,766 |
| Average earning assets | $37,670,600 | 6,810 |
| Average equity | $3,226,000 | 7,214 |
| Average total loans | $31,741,000 | 6,327 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4475% | 377 |
| Cost of funding earning assets | 1.8000% | 1,423 |
| Net interest margin | 4.6475% | 947 |
| Noninterest income to average assets | 1.0711% | 1,249 |
| Noninterest expense to average assets | 4.0582% | 978 |
| Loan and lease loss provision to assets | 0.4083% | 3,453 |
| Net operating income to assets | 0.4241% | 4,645 |
| Return on assets (ROA) | 0.4241% | 4,825 |
| Pretax return on assets | 0.6596% | 4,388 |
| Return on Equity (ROE) | 5.5393% | 4,025 |
| Retained earnings to average equity (ytd only) | 5.5393% | 2,629 |
| Net charge-offs to loans | 0.5384% | 3,149 |
| Credit loss provision to net charge-offs | 101.5625% | 4,245 |
| Earnings coverage of net charge-offs (x) | 2.6563% | 3,823 |
| Efficiency ratio | 79.1667% | 2,461 |
| Assets per employee ($millions) | 6.1030% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 6,298 |
| Loan loss allowance to noncurrent loans | 53.6545% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 2.4414% | 2,929 |
| Noncurrent loans to loans | 1.9030% | 3,798 |
| Net loans and leases to total assets | 73.2918% | 1,954 |
| Net loans and leases to deposits | 81.9016% | 3,129 |
| Net loans and leases to core deposits | 89.8296% | 3,121 |
| Total domestic deposits to total assets | 89.4876% | 1,132 |
| Equity capital to assets | 7.7316% | 6,980 |
| Core capital (leverage) ratio | 7.6288% | 6,739 |
| Tier 1 risk-based capital ratio | 10.9424% | 6,430 |
| Total risk-based capital ratio | 12.0134% | 6,563 |
| Memoranda: | ||
| Average total assets | $42,447,500 | 6,868 |
| Average earning assets | $37,036,750 | 6,919 |
| Average equity | $3,249,500 | 7,295 |
| Average total loans | $31,698,750 | 6,408 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4862% | 347 |
| Cost of funding earning assets | 1.8385% | 1,494 |
| Net interest margin | 4.6477% | 898 |
| Noninterest income to average assets | 1.2513% | 828 |
| Noninterest expense to average assets | 3.8814% | 1,212 |
| Loan and lease loss provision to assets | 0.6138% | 2,336 |
| Net operating income to assets | 0.4297% | 4,624 |
| Return on assets (ROA) | 0.4297% | 4,783 |
| Pretax return on assets | 0.8027% | 3,871 |
| Return on Equity (ROE) | 5.6318% | 3,976 |
| Retained earnings to average equity (ytd only) | 5.6318% | 2,538 |
| Net charge-offs to loans | 0.6936% | 2,482 |
| Credit loss provision to net charge-offs | 118.1818% | 3,438 |
| Earnings coverage of net charge-offs (x) | 2.7273% | 3,631 |
| Efficiency ratio | 73.2620% | 3,604 |
| Assets per employee ($millions) | 2.5625% | 7,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 6,068 |
| Loan loss allowance to noncurrent loans | 58.2906% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 3.1770% | 2,231 |
| Noncurrent loans to loans | 1.8419% | 3,947 |
| Net loans and leases to total assets | 72.1231% | 2,364 |
| Net loans and leases to deposits | 80.3350% | 3,546 |
| Net loans and leases to core deposits | 89.6968% | 3,314 |
| Total domestic deposits to total assets | 89.7780% | 1,035 |
| Equity capital to assets | 7.5156% | 7,105 |
| Core capital (leverage) ratio | 7.5963% | 6,740 |
| Tier 1 risk-based capital ratio | 10.5804% | 6,622 |
| Total risk-based capital ratio | 11.6884% | 6,715 |
| Memoranda: | ||
| Average total assets | $42,356,330 | 6,924 |
| Average earning assets | $36,878,330 | 6,974 |
| Average equity | $3,231,670 | 7,345 |
| Average total loans | $31,720,330 | 6,451 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6316% | 294 |
| Cost of funding earning assets | 1.8727% | 1,560 |
| Net interest margin | 4.7589% | 693 |
| Noninterest income to average assets | 1.6765% | 452 |
| Noninterest expense to average assets | 4.3015% | 721 |
| Loan and lease loss provision to assets | 0.3353% | 3,381 |
| Net operating income to assets | 0.9772% | 2,273 |
| Return on assets (ROA) | 0.9772% | 2,332 |
| Pretax return on assets | 1.1784% | 2,441 |
| Return on Equity (ROE) | 12.7083% | 1,321 |
| Retained earnings to average equity (ytd only) | 12.7083% | 662 |
| Net charge-offs to loans | 0.3155% | 3,157 |
| Credit loss provision to net charge-offs | 140.0000% | 2,527 |
| Earnings coverage of net charge-offs (x) | 6.3200% | 2,245 |
| Efficiency ratio | 73.9703% | 3,582 |
| Assets per employee ($millions) | 2.3014% | 7,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 6,223 |
| Loan loss allowance to noncurrent loans | 43.5526% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 3.6692% | 1,903 |
| Noncurrent loans to loans | 2.4125% | 3,263 |
| Net loans and leases to total assets | 75.2450% | 1,690 |
| Net loans and leases to deposits | 84.2938% | 2,890 |
| Net loans and leases to core deposits | 91.9960% | 3,105 |
| Total domestic deposits to total assets | 89.2652% | 1,387 |
| Equity capital to assets | 7.8695% | 6,791 |
| Core capital (leverage) ratio | 7.8751% | 6,411 |
| Tier 1 risk-based capital ratio | 10.4681% | 6,658 |
| Total risk-based capital ratio | 11.5287% | 6,813 |
| Memoranda: | ||
| Average total assets | $41,753,000 | 7,029 |
| Average earning assets | $36,311,000 | 7,087 |
| Average equity | $3,210,500 | 7,434 |
| Average total loans | $31,700,500 | 6,532 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9626% | 294 |
| Cost of funding earning assets | 2.4660% | 1,102 |
| Net interest margin | 4.4966% | 1,187 |
| Noninterest income to average assets | 0.8787% | 2,033 |
| Noninterest expense to average assets | 3.8398% | 1,616 |
| Loan and lease loss provision to assets | 1.0338% | 2,211 |
| Net operating income to assets | -0.0369% | 5,561 |
| Return on assets (ROA) | 0.0665% | 5,345 |
| Pretax return on assets | 0.0222% | 5,383 |
| Return on Equity (ROE) | 0.8314% | 5,281 |
| Retained earnings to average equity (ytd only) | 0.8314% | 4,433 |
| Net charge-offs to loans | 1.3687% | 1,828 |
| Credit loss provision to net charge-offs | 105.5276% | 5,247 |
| Earnings coverage of net charge-offs (x) | 0.9724% | 5,143 |
| Efficiency ratio | 80.1233% | 2,872 |
| Assets per employee ($millions) | 2.3378% | 7,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 6,338 |
| Loan loss allowance to noncurrent loans | 64.3287% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 3.1702% | 2,184 |
| Noncurrent loans to loans | 1.5643% | 4,305 |
| Net loans and leases to total assets | 75.0428% | 2,015 |
| Net loans and leases to deposits | 83.6459% | 3,340 |
| Net loans and leases to core deposits | 123.4963% | 1,676 |
| Total domestic deposits to total assets | 89.7148% | 1,102 |
| Equity capital to assets | 7.5119% | 7,028 |
| Core capital (leverage) ratio | 7.6486% | 6,619 |
| Tier 1 risk-based capital ratio | 10.2074% | 6,674 |
| Total risk-based capital ratio | 11.2426% | 6,851 |
| Memoranda: | ||
| Average total assets | $40,626,600 | 7,068 |
| Average earning assets | $35,360,400 | 7,123 |
| Average equity | $3,247,400 | 7,517 |
| Average total loans | $29,079,000 | 6,682 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9792% | 308 |
| Cost of funding earning assets | 2.5749% | 1,092 |
| Net interest margin | 4.4043% | 1,430 |
| Noninterest income to average assets | 0.7351% | 2,797 |
| Noninterest expense to average assets | 3.7419% | 1,720 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7989% | 2,818 |
| Return on assets (ROA) | 0.9338% | 2,360 |
| Pretax return on assets | 0.9669% | 3,005 |
| Return on Equity (ROE) | 11.5017% | 1,486 |
| Retained earnings to average equity (ytd only) | 11.5017% | 411 |
| Net charge-offs to loans | 0.1739% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 6.7571% | 2,547 |
| Efficiency ratio | 81.8841% | 2,593 |
| Assets per employee ($millions) | 2.2316% | 7,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 6,926 |
| Loan loss allowance to noncurrent loans | 72.3757% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 2.9002% | 2,392 |
| Noncurrent loans to loans | 1.1873% | 4,961 |
| Net loans and leases to total assets | 75.2496% | 2,176 |
| Net loans and leases to deposits | 85.0267% | 3,493 |
| Net loans and leases to core deposits | 117.7110% | 2,446 |
| Total domestic deposits to total assets | 88.5011% | 1,435 |
| Equity capital to assets | 8.5464% | 6,191 |
| Core capital (leverage) ratio | 8.5632% | 5,367 |
| Tier 1 risk-based capital ratio | 11.6353% | 5,301 |
| Total risk-based capital ratio | 12.5264% | 5,604 |
| Memoranda: | ||
| Average total assets | $40,263,250 | 7,135 |
| Average earning assets | $35,055,750 | 7,206 |
| Average equity | $3,269,000 | 7,580 |
| Average total loans | $28,374,000 | 6,777 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9202% | 366 |
| Cost of funding earning assets | 2.6621% | 1,134 |
| Net interest margin | 4.2581% | 1,789 |
| Noninterest income to average assets | 0.6105% | 3,603 |
| Noninterest expense to average assets | 3.6630% | 1,912 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5649% | 3,827 |
| Return on assets (ROA) | 0.6204% | 3,700 |
| Pretax return on assets | 0.7197% | 3,937 |
| Return on Equity (ROE) | 7.7777% | 2,859 |
| Retained earnings to average equity (ytd only) | 7.7777% | 1,282 |
| Net charge-offs to loans | 0.1373% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 6.9474% | 2,523 |
| Efficiency ratio | 84.8276% | 2,380 |
| Assets per employee ($millions) | 2.2457% | 7,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 6,139 |
| Loan loss allowance to noncurrent loans | 321.8391% | 979 |
| Noncurrent assets plus other real estate owned to assets | 2.1943% | 2,943 |
| Noncurrent loans to loans | 0.3144% | 6,723 |
| Net loans and leases to total assets | 67.7609% | 4,193 |
| Net loans and leases to deposits | 76.0755% | 5,164 |
| Net loans and leases to core deposits | 106.1132% | 3,833 |
| Total domestic deposits to total assets | 89.0706% | 1,231 |
| Equity capital to assets | 8.1142% | 6,614 |
| Core capital (leverage) ratio | 8.1942% | 5,992 |
| Tier 1 risk-based capital ratio | 11.2969% | 5,599 |
| Total risk-based capital ratio | 12.2663% | 5,786 |
| Memoranda: | ||
| Average total assets | $40,294,670 | 7,195 |
| Average earning assets | $35,085,670 | 7,260 |
| Average equity | $3,214,330 | 7,658 |
| Average total loans | $27,669,000 | 6,867 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8585% | 437 |
| Cost of funding earning assets | 2.7548% | 1,100 |
| Net interest margin | 4.1037% | 2,252 |
| Noninterest income to average assets | 0.2784% | 6,196 |
| Noninterest expense to average assets | 3.7385% | 1,582 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2486% | 5,493 |
| Return on assets (ROA) | 0.3778% | 5,137 |
| Pretax return on assets | 0.2386% | 5,854 |
| Return on Equity (ROE) | 4.7776% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.7776% | 3,246 |
| Net charge-offs to loans | 0.1590% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,268 |
| Efficiency ratio | 97.1576% | 1,265 |
| Assets per employee ($millions) | 2.3387% | 7,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 5,841 |
| Loan loss allowance to noncurrent loans | 261.8182% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 2.2763% | 2,519 |
| Noncurrent loans to loans | 0.3988% | 6,422 |
| Net loans and leases to total assets | 68.6554% | 3,988 |
| Net loans and leases to deposits | 76.8966% | 5,105 |
| Net loans and leases to core deposits | 106.5251% | 3,852 |
| Total domestic deposits to total assets | 89.2827% | 1,104 |
| Equity capital to assets | 8.0135% | 6,785 |
| Core capital (leverage) ratio | 7.9842% | 6,478 |
| Tier 1 risk-based capital ratio | 11.1591% | 5,747 |
| Total risk-based capital ratio | 12.1707% | 5,882 |
| Memoranda: | ||
| Average total assets | $40,230,500 | 7,239 |
| Average earning assets | $34,993,000 | 7,302 |
| Average equity | $3,181,500 | 7,725 |
| Average total loans | $27,668,000 | 6,902 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5548% | 372 |
| Cost of funding earning assets | 3.3772% | 740 |
| Net interest margin | 4.1776% | 2,397 |
| Noninterest income to average assets | 0.2754% | 6,491 |
| Noninterest expense to average assets | 3.7735% | 1,809 |
| Loan and lease loss provision to assets | -0.1939% | 8,268 |
| Net operating income to assets | 0.0742% | 6,170 |
| Return on assets (ROA) | 0.0742% | 6,020 |
| Pretax return on assets | 0.3328% | 5,434 |
| Return on Equity (ROE) | 0.9422% | 5,934 |
| Retained earnings to average equity (ytd only) | 0.9422% | 4,663 |
| Net charge-offs to loans | -0.5700% | 8,220 |
| Credit loss provision to net charge-offs | 48.7952% | 6,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4504% | 1,130 |
| Assets per employee ($millions) | 2.2613% | 7,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 5,437 |
| Loan loss allowance to noncurrent loans | 135.9091% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 2.4888% | 1,955 |
| Noncurrent loans to loans | 0.7927% | 5,059 |
| Net loans and leases to total assets | 67.4471% | 4,564 |
| Net loans and leases to deposits | 75.2570% | 5,694 |
| Net loans and leases to core deposits | 101.6063% | 4,660 |
| Total domestic deposits to total assets | 89.6224% | 796 |
| Equity capital to assets | 7.8053% | 7,088 |
| Core capital (leverage) ratio | 7.6182% | 7,053 |
| Tier 1 risk-based capital ratio | 11.1522% | 5,597 |
| Total risk-based capital ratio | 12.2144% | 5,665 |
| Memoranda: | ||
| Average total assets | $41,764,400 | 7,140 |
| Average earning assets | $36,361,000 | 7,225 |
| Average equity | $3,290,200 | 7,748 |
| Average total loans | $29,123,800 | 6,764 |