Home > Sicily Island State Bank > Performance and Condition Ratios
Sicily Island State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1401% | 201 |
| Cost of funding earning assets | 1.8364% | 1,192 |
| Net interest margin | 5.3037% | 239 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 3.4748% | 595 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.1575% | 366 |
| Return on assets (ROA) | 2.1575% | 357 |
| Pretax return on assets | 2.1575% | 521 |
| Return on Equity (ROE) | 17.3500% | 907 |
| Retained earnings to average equity (ytd only) | 7.1741% | 1,842 |
| Net charge-offs to loans | -0.1969% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.7365% | 2,997 |
| Assets per employee ($millions) | 5.2968% | 3,399 |
| Cash dividends to net income (ytd only)* | 58.6471% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 2,943 |
| Loan loss allowance to noncurrent loans | 265.5914% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 1,556 |
| Noncurrent loans to loans | 0.4062% | 1,767 |
| Net loans and leases to total assets | 85.5100% | 181 |
| Net loans and leases to deposits | 110.8785% | 183 |
| Net loans and leases to core deposits | 131.7772% | 380 |
| Total domestic deposits to total assets | 77.1200% | 3,838 |
| Equity capital to assets | 12.5485% | 979 |
| Core capital (leverage) ratio | 12.6347% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6042% | 975 |
| Memoranda: | ||
| Average total assets | $78,796,600 | 4,025 |
| Average earning assets | $74,004,600 | 3,989 |
| Average equity | $9,799,200 | 3,740 |
| Average total loans | $66,011,200 | 3,607 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9310% | 207 |
| Cost of funding earning assets | 1.7120% | 1,165 |
| Net interest margin | 5.2190% | 253 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 3.3403% | 684 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 2.1687% | 391 |
| Return on assets (ROA) | 2.1687% | 388 |
| Pretax return on assets | 2.1687% | 582 |
| Return on Equity (ROE) | 17.4800% | 1,009 |
| Retained earnings to average equity (ytd only) | 17.4785% | 369 |
| Net charge-offs to loans | -0.2775% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.3552% | 3,037 |
| Assets per employee ($millions) | 5.2636% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 2,838 |
| Loan loss allowance to noncurrent loans | 410.4396% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 2,108 |
| Noncurrent loans to loans | 0.2694% | 2,275 |
| Net loans and leases to total assets | 84.6300% | 238 |
| Net loans and leases to deposits | 111.3388% | 183 |
| Net loans and leases to core deposits | 133.0493% | 306 |
| Total domestic deposits to total assets | 76.0100% | 4,009 |
| Equity capital to assets | 13.0962% | 793 |
| Core capital (leverage) ratio | 13.6059% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6131% | 867 |
| Memoranda: | ||
| Average total assets | $78,632,750 | 4,044 |
| Average earning assets | $73,754,000 | 4,009 |
| Average equity | $9,756,500 | 3,747 |
| Average total loans | $65,343,000 | 3,628 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6637% | 223 |
| Cost of funding earning assets | 1.5753% | 1,117 |
| Net interest margin | 5.0885% | 273 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 3.3008% | 691 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 2.0325% | 442 |
| Return on assets (ROA) | 2.0325% | 439 |
| Pretax return on assets | 2.0325% | 712 |
| Return on Equity (ROE) | 16.6900% | 1,148 |
| Retained earnings to average equity (ytd only) | 16.6911% | 413 |
| Net charge-offs to loans | -0.3096% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.8891% | 2,978 |
| Assets per employee ($millions) | 5.5199% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 2,974 |
| Loan loss allowance to noncurrent loans | 343.4783% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 1,949 |
| Noncurrent loans to loans | 0.3190% | 2,000 |
| Net loans and leases to total assets | 77.5200% | 885 |
| Net loans and leases to deposits | 108.3290% | 242 |
| Net loans and leases to core deposits | 130.6984% | 317 |
| Total domestic deposits to total assets | 71.5600% | 4,309 |
| Equity capital to assets | 12.0981% | 1,021 |
| Core capital (leverage) ratio | 13.2625% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2715% | 918 |
| Memoranda: | ||
| Average total assets | $78,525,667 | 4,061 |
| Average earning assets | $73,892,667 | 4,029 |
| Average equity | $9,562,000 | 3,790 |
| Average total loans | $64,601,667 | 3,644 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5889% | 160 |
| Cost of funding earning assets | 1.4957% | 855 |
| Net interest margin | 5.0932% | 261 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 3.4507% | 573 |
| Loan and lease loss provision to assets | 0.3700% | 219 |
| Net operating income to assets | 1.8327% | 638 |
| Return on assets (ROA) | 1.8327% | 624 |
| Pretax return on assets | 1.8327% | 1,015 |
| Return on Equity (ROE) | 15.0000% | 1,548 |
| Retained earnings to average equity (ytd only) | 14.9981% | 800 |
| Net charge-offs to loans | -0.0124% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.0751% | 2,812 |
| Assets per employee ($millions) | 4.9719% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 3,691 |
| Loan loss allowance to noncurrent loans | 282.4885% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 1,702 |
| Noncurrent loans to loans | 0.3388% | 1,933 |
| Net loans and leases to total assets | 85.0700% | 181 |
| Net loans and leases to deposits | 111.9967% | 152 |
| Net loans and leases to core deposits | 138.8597% | 194 |
| Total domestic deposits to total assets | 75.9600% | 4,161 |
| Equity capital to assets | 12.8778% | 787 |
| Core capital (leverage) ratio | 12.8756% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5158% | 1,066 |
| Memoranda: | ||
| Average total assets | $76,389,500 | 4,143 |
| Average earning assets | $71,939,500 | 4,110 |
| Average equity | $9,334,500 | 3,857 |
| Average total loans | $64,454,000 | 3,685 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8016% | 110 |
| Cost of funding earning assets | 0.9431% | 214 |
| Net interest margin | 4.8584% | 165 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 3.3922% | 549 |
| Loan and lease loss provision to assets | 0.4200% | 157 |
| Net operating income to assets | 1.6133% | 669 |
| Return on assets (ROA) | 1.6133% | 642 |
| Pretax return on assets | 1.6133% | 1,138 |
| Return on Equity (ROE) | 13.2400% | 1,727 |
| Retained earnings to average equity (ytd only) | 4.4358% | 3,255 |
| Net charge-offs to loans | 0.7689% | 90 |
| Credit loss provision to net charge-offs | 70.4846% | 1,728 |
| Earnings coverage of net charge-offs (x) | 3.4075% | 2,466 |
| Efficiency ratio | 62.5151% | 2,695 |
| Assets per employee ($millions) | 5.2134% | 3,504 |
| Cash dividends to net income (ytd only)* | 66.5037% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 3,952 |
| Loan loss allowance to noncurrent loans | 161.9760% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 1,201 |
| Noncurrent loans to loans | 0.5150% | 1,414 |
| Net loans and leases to total assets | 82.2400% | 386 |
| Net loans and leases to deposits | 107.3033% | 216 |
| Net loans and leases to core deposits | 133.7291% | 194 |
| Total domestic deposits to total assets | 76.6400% | 4,212 |
| Equity capital to assets | 11.5919% | 1,054 |
| Core capital (leverage) ratio | 11.8659% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3568% | 1,280 |
| Memoranda: | ||
| Average total assets | $76,056,400 | 4,169 |
| Average earning assets | $71,463,600 | 4,138 |
| Average equity | $9,265,600 | 3,969 |
| Average total loans | $59,041,600 | 3,748 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5544% | 108 |
| Cost of funding earning assets | 0.8318% | 138 |
| Net interest margin | 4.7225% | 164 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 3.3332% | 568 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.9456% | 315 |
| Return on assets (ROA) | 1.9456% | 311 |
| Pretax return on assets | 1.9456% | 522 |
| Return on Equity (ROE) | 15.7700% | 1,019 |
| Retained earnings to average equity (ytd only) | 15.7722% | 298 |
| Net charge-offs to loans | 0.1042% | 596 |
| Credit loss provision to net charge-offs | 44.4444% | 1,546 |
| Earnings coverage of net charge-offs (x) | 24.9333% | 1,614 |
| Efficiency ratio | 62.7243% | 2,730 |
| Assets per employee ($millions) | 5.1055% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 3,257 |
| Loan loss allowance to noncurrent loans | 264.8980% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 1,659 |
| Noncurrent loans to loans | 0.3963% | 1,820 |
| Net loans and leases to total assets | 79.8900% | 537 |
| Net loans and leases to deposits | 106.3149% | 185 |
| Net loans and leases to core deposits | 138.5040% | 104 |
| Total domestic deposits to total assets | 75.1400% | 4,402 |
| Equity capital to assets | 12.5537% | 758 |
| Core capital (leverage) ratio | 13.0551% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6560% | 900 |
| Memoranda: | ||
| Average total assets | $75,520,250 | 4,209 |
| Average earning assets | $71,005,500 | 4,179 |
| Average equity | $9,315,750 | 4,003 |
| Average total loans | $57,589,500 | 3,793 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3338% | 114 |
| Cost of funding earning assets | 0.8013% | 98 |
| Net interest margin | 4.5324% | 186 |
| Noninterest income to average assets | 0.8648% | 916 |
| Noninterest expense to average assets | 3.3020% | 550 |
| Loan and lease loss provision to assets | 0.0532% | 1,626 |
| Net operating income to assets | 1.7535% | 376 |
| Return on assets (ROA) | 1.7535% | 370 |
| Pretax return on assets | 1.7535% | 671 |
| Return on Equity (ROE) | 14.3007% | 1,044 |
| Retained earnings to average equity (ytd only) | 14.3007% | 328 |
| Net charge-offs to loans | 0.0783% | 686 |
| Credit loss provision to net charge-offs | 90.9091% | 1,335 |
| Earnings coverage of net charge-offs (x) | 30.8636% | 1,375 |
| Efficiency ratio | 64.6354% | 2,690 |
| Assets per employee ($millions) | 5.0596% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,742 |
| Loan loss allowance to noncurrent loans | 248.3395% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 1,403 |
| Noncurrent loans to loans | 0.4791% | 1,679 |
| Net loans and leases to total assets | 73.6461% | 947 |
| Net loans and leases to deposits | 97.9016% | 346 |
| Net loans and leases to core deposits | 123.8187% | 154 |
| Total domestic deposits to total assets | 75.2247% | 4,496 |
| Equity capital to assets | 12.3593% | 787 |
| Core capital (leverage) ratio | 12.3688% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6641% | 761 |
| Memoranda: | ||
| Average total assets | $75,166,000 | 4,259 |
| Average earning assets | $70,381,667 | 4,243 |
| Average equity | $9,216,333 | 4,082 |
| Average total loans | $56,176,333 | 3,858 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2486% | 117 |
| Cost of funding earning assets | 0.7916% | 94 |
| Net interest margin | 4.4570% | 181 |
| Noninterest income to average assets | 0.8502% | 929 |
| Noninterest expense to average assets | 3.3368% | 507 |
| Loan and lease loss provision to assets | 0.0802% | 1,022 |
| Net operating income to assets | 1.5882% | 524 |
| Return on assets (ROA) | 1.5882% | 523 |
| Pretax return on assets | 1.5882% | 845 |
| Return on Equity (ROE) | 13.0056% | 1,034 |
| Retained earnings to average equity (ytd only) | 13.0056% | 468 |
| Net charge-offs to loans | -0.0071% | 3,469 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,680 |
| Assets per employee ($millions) | 5.0755% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,545 |
| Loan loss allowance to noncurrent loans | 354.3590% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 2,118 |
| Noncurrent loans to loans | 0.3556% | 2,208 |
| Net loans and leases to total assets | 71.1150% | 915 |
| Net loans and leases to deposits | 94.1436% | 357 |
| Net loans and leases to core deposits | 118.2398% | 161 |
| Total domestic deposits to total assets | 75.5389% | 4,520 |
| Equity capital to assets | 12.0841% | 929 |
| Core capital (leverage) ratio | 12.4445% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9805% | 758 |
| Memoranda: | ||
| Average total assets | $74,802,000 | 4,288 |
| Average earning assets | $69,732,500 | 4,269 |
| Average equity | $9,134,500 | 4,145 |
| Average total loans | $55,981,500 | 3,864 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5285% | 128 |
| Cost of funding earning assets | 0.9217% | 100 |
| Net interest margin | 4.6068% | 225 |
| Noninterest income to average assets | 1.0120% | 985 |
| Noninterest expense to average assets | 3.6134% | 424 |
| Loan and lease loss provision to assets | 0.0357% | 2,333 |
| Net operating income to assets | 1.6423% | 721 |
| Return on assets (ROA) | 1.6423% | 756 |
| Pretax return on assets | 1.6423% | 1,301 |
| Return on Equity (ROE) | 12.5033% | 1,645 |
| Retained earnings to average equity (ytd only) | 5.2886% | 2,680 |
| Net charge-offs to loans | -0.0109% | 3,772 |
| Credit loss provision to net charge-offs | -416.6667% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2874% | 1,940 |
| Assets per employee ($millions) | 5.2479% | 3,519 |
| Cash dividends to net income (ytd only)* | 57.7023% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 2,968 |
| Loan loss allowance to noncurrent loans | 178.1003% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 1,299 |
| Noncurrent loans to loans | 0.6634% | 1,509 |
| Net loans and leases to total assets | 76.8398% | 450 |
| Net loans and leases to deposits | 102.6231% | 151 |
| Net loans and leases to core deposits | 120.8912% | 156 |
| Total domestic deposits to total assets | 74.8758% | 4,558 |
| Equity capital to assets | 12.3436% | 1,110 |
| Core capital (leverage) ratio | 11.9501% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7433% | 933 |
| Memoranda: | ||
| Average total assets | $69,961,800 | 4,340 |
| Average earning assets | $64,991,000 | 4,324 |
| Average equity | $9,189,600 | 4,227 |
| Average total loans | $55,059,200 | 3,914 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5353% | 140 |
| Cost of funding earning assets | 0.9360% | 113 |
| Net interest margin | 4.5992% | 266 |
| Noninterest income to average assets | 1.0267% | 1,024 |
| Noninterest expense to average assets | 3.5608% | 423 |
| Loan and lease loss provision to assets | 0.0478% | 2,042 |
| Net operating income to assets | 1.6945% | 838 |
| Return on assets (ROA) | 1.6945% | 881 |
| Pretax return on assets | 1.6945% | 1,417 |
| Return on Equity (ROE) | 12.6971% | 1,800 |
| Retained earnings to average equity (ytd only) | 12.6971% | 688 |
| Net charge-offs to loans | -0.0122% | 3,756 |
| Credit loss provision to net charge-offs | -500.0000% | 3,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1397% | 1,951 |
| Assets per employee ($millions) | 4.8056% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 3,006 |
| Loan loss allowance to noncurrent loans | 33.3828% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.8051% | 101 |
| Noncurrent loans to loans | 3.5833% | 157 |
| Net loans and leases to total assets | 77.3445% | 441 |
| Net loans and leases to deposits | 105.3394% | 143 |
| Net loans and leases to core deposits | 122.2439% | 165 |
| Total domestic deposits to total assets | 73.4241% | 4,658 |
| Equity capital to assets | 13.1458% | 941 |
| Core capital (leverage) ratio | 13.1159% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6612% | 867 |
| Memoranda: | ||
| Average total assets | $69,084,500 | 4,406 |
| Average earning assets | $64,241,000 | 4,387 |
| Average equity | $9,219,750 | 4,279 |
| Average total loans | $54,541,500 | 3,973 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6058% | 150 |
| Cost of funding earning assets | 0.9605% | 129 |
| Net interest margin | 4.6452% | 290 |
| Noninterest income to average assets | 1.1280% | 888 |
| Noninterest expense to average assets | 3.5603% | 434 |
| Loan and lease loss provision to assets | 0.0734% | 1,604 |
| Net operating income to assets | 1.8271% | 670 |
| Return on assets (ROA) | 1.8271% | 702 |
| Pretax return on assets | 1.8271% | 1,171 |
| Return on Equity (ROE) | 13.6189% | 1,536 |
| Retained earnings to average equity (ytd only) | 13.6189% | 612 |
| Net charge-offs to loans | -0.0111% | 3,711 |
| Credit loss provision to net charge-offs | -833.3333% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1963% | 2,269 |
| Assets per employee ($millions) | 4.7075% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,818 |
| Loan loss allowance to noncurrent loans | 37.7953% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 2.5392% | 132 |
| Noncurrent loans to loans | 3.2283% | 212 |
| Net loans and leases to total assets | 77.0439% | 505 |
| Net loans and leases to deposits | 105.6020% | 165 |
| Net loans and leases to core deposits | 124.5861% | 171 |
| Total domestic deposits to total assets | 72.9568% | 4,691 |
| Equity capital to assets | 13.3998% | 846 |
| Core capital (leverage) ratio | 13.3612% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3163% | 779 |
| Memoranda: | ||
| Average total assets | $68,084,667 | 4,445 |
| Average earning assets | $63,506,000 | 4,425 |
| Average equity | $9,134,333 | 4,313 |
| Average total loans | $53,912,667 | 4,006 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6600% | 159 |
| Cost of funding earning assets | 1.0087% | 130 |
| Net interest margin | 4.6514% | 284 |
| Noninterest income to average assets | 0.8441% | 1,481 |
| Noninterest expense to average assets | 3.5139% | 460 |
| Loan and lease loss provision to assets | 0.1497% | 871 |
| Net operating income to assets | 1.5145% | 1,294 |
| Return on assets (ROA) | 1.5145% | 1,358 |
| Pretax return on assets | 1.5145% | 1,955 |
| Return on Equity (ROE) | 11.2814% | 2,279 |
| Retained earnings to average equity (ytd only) | 11.2814% | 1,324 |
| Net charge-offs to loans | -0.0375% | 4,280 |
| Credit loss provision to net charge-offs | -500.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8613% | 1,951 |
| Assets per employee ($millions) | 4.0441% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,640 |
| Loan loss allowance to noncurrent loans | 35.4550% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 3.2960% | 84 |
| Noncurrent loans to loans | 3.5378% | 182 |
| Net loans and leases to total assets | 77.1793% | 527 |
| Net loans and leases to deposits | 100.8036% | 263 |
| Net loans and leases to core deposits | 117.0786% | 278 |
| Total domestic deposits to total assets | 76.5640% | 4,553 |
| Equity capital to assets | 13.2104% | 857 |
| Core capital (leverage) ratio | 13.6042% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2312% | 888 |
| Memoranda: | ||
| Average total assets | $66,820,500 | 4,472 |
| Average earning assets | $62,261,000 | 4,458 |
| Average equity | $8,970,500 | 4,338 |
| Average total loans | $53,331,500 | 4,032 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7047% | 135 |
| Cost of funding earning assets | 1.4429% | 107 |
| Net interest margin | 4.2618% | 548 |
| Noninterest income to average assets | 0.7440% | 1,708 |
| Noninterest expense to average assets | 3.5611% | 635 |
| Loan and lease loss provision to assets | 0.1544% | 2,440 |
| Net operating income to assets | 0.9632% | 2,426 |
| Return on assets (ROA) | 0.9632% | 2,574 |
| Pretax return on assets | 0.9632% | 3,167 |
| Return on Equity (ROE) | 7.1510% | 3,147 |
| Retained earnings to average equity (ytd only) | 3.1400% | 3,265 |
| Net charge-offs to loans | 0.1655% | 1,001 |
| Credit loss provision to net charge-offs | 120.4819% | 2,629 |
| Earnings coverage of net charge-offs (x) | 8.7229% | 2,576 |
| Efficiency ratio | 76.1135% | 1,214 |
| Assets per employee ($millions) | 3.8172% | 4,493 |
| Cash dividends to net income (ytd only)* | 56.0897% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 2,858 |
| Loan loss allowance to noncurrent loans | 33.1959% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 2.9942% | 125 |
| Noncurrent loans to loans | 3.6653% | 174 |
| Net loans and leases to total assets | 80.5723% | 389 |
| Net loans and leases to deposits | 106.6823% | 216 |
| Net loans and leases to core deposits | 121.9589% | 288 |
| Total domestic deposits to total assets | 75.5255% | 4,538 |
| Equity capital to assets | 13.6519% | 888 |
| Core capital (leverage) ratio | 13.5172% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5026% | 836 |
| Memoranda: | ||
| Average total assets | $64,783,400 | 4,449 |
| Average earning assets | $59,810,400 | 4,442 |
| Average equity | $8,726,000 | 4,348 |
| Average total loans | $50,153,600 | 4,106 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6018% | 186 |
| Cost of funding earning assets | 1.5170% | 115 |
| Net interest margin | 4.0848% | 921 |
| Noninterest income to average assets | 0.6506% | 1,983 |
| Noninterest expense to average assets | 3.5167% | 691 |
| Loan and lease loss provision to assets | 0.1652% | 2,349 |
| Net operating income to assets | 0.7392% | 3,323 |
| Return on assets (ROA) | 0.7392% | 3,422 |
| Pretax return on assets | 0.7392% | 3,801 |
| Return on Equity (ROE) | 5.5064% | 3,722 |
| Retained earnings to average equity (ytd only) | 5.5064% | 2,323 |
| Net charge-offs to loans | 0.1941% | 785 |
| Credit loss provision to net charge-offs | 111.1111% | 2,542 |
| Earnings coverage of net charge-offs (x) | 6.0972% | 2,676 |
| Efficiency ratio | 79.5529% | 898 |
| Assets per employee ($millions) | 3.7465% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,375 |
| Loan loss allowance to noncurrent loans | 24.0713% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 4.2989% | 72 |
| Noncurrent loans to loans | 5.2154% | 97 |
| Net loans and leases to total assets | 78.4205% | 782 |
| Net loans and leases to deposits | 105.2558% | 346 |
| Net loans and leases to core deposits | 116.8000% | 483 |
| Total domestic deposits to total assets | 74.5046% | 4,541 |
| Equity capital to assets | 14.0257% | 852 |
| Core capital (leverage) ratio | 13.1875% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2860% | 640 |
| Memoranda: | ||
| Average total assets | $64,756,250 | 4,461 |
| Average earning assets | $59,765,000 | 4,462 |
| Average equity | $8,692,750 | 4,367 |
| Average total loans | $49,459,750 | 4,145 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7089% | 228 |
| Cost of funding earning assets | 1.5748% | 129 |
| Net interest margin | 4.1341% | 1,049 |
| Noninterest income to average assets | 0.7003% | 1,735 |
| Noninterest expense to average assets | 3.4617% | 782 |
| Loan and lease loss provision to assets | 0.1843% | 2,178 |
| Net operating income to assets | 0.8846% | 2,754 |
| Return on assets (ROA) | 0.8846% | 2,870 |
| Pretax return on assets | 0.8846% | 3,354 |
| Return on Equity (ROE) | 6.6878% | 3,257 |
| Retained earnings to average equity (ytd only) | 6.6878% | 1,782 |
| Net charge-offs to loans | 0.1019% | 1,256 |
| Credit loss provision to net charge-offs | 240.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 13.9200% | 1,971 |
| Efficiency ratio | 76.4068% | 1,225 |
| Assets per employee ($millions) | 3.9244% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 2,153 |
| Loan loss allowance to noncurrent loans | 24.4906% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 4.2509% | 74 |
| Noncurrent loans to loans | 5.1869% | 100 |
| Net loans and leases to total assets | 77.0052% | 999 |
| Net loans and leases to deposits | 102.4775% | 434 |
| Net loans and leases to core deposits | 114.7176% | 574 |
| Total domestic deposits to total assets | 75.1435% | 4,505 |
| Equity capital to assets | 13.2684% | 1,054 |
| Core capital (leverage) ratio | 13.1243% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4266% | 724 |
| Memoranda: | ||
| Average total assets | $65,111,667 | 4,467 |
| Average earning assets | $60,327,000 | 4,467 |
| Average equity | $8,612,667 | 4,390 |
| Average total loans | $49,086,000 | 4,162 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5551% | 333 |
| Cost of funding earning assets | 1.6571% | 151 |
| Net interest margin | 3.8980% | 1,680 |
| Noninterest income to average assets | 0.7713% | 1,391 |
| Noninterest expense to average assets | 3.5826% | 827 |
| Loan and lease loss provision to assets | 0.0933% | 2,517 |
| Net operating income to assets | 0.7091% | 3,245 |
| Return on assets (ROA) | 0.7091% | 3,325 |
| Pretax return on assets | 0.7091% | 3,658 |
| Return on Equity (ROE) | 5.3691% | 3,520 |
| Retained earnings to average equity (ytd only) | 5.3691% | 2,132 |
| Net charge-offs to loans | 0.1428% | 884 |
| Credit loss provision to net charge-offs | 88.2353% | 1,900 |
| Earnings coverage of net charge-offs (x) | 7.5882% | 1,911 |
| Efficiency ratio | 81.7021% | 997 |
| Assets per employee ($millions) | 3.7018% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 2,141 |
| Loan loss allowance to noncurrent loans | 62.8399% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.7956% | 512 |
| Noncurrent loans to loans | 2.0725% | 665 |
| Net loans and leases to total assets | 75.1426% | 1,434 |
| Net loans and leases to deposits | 101.1551% | 484 |
| Net loans and leases to core deposits | 110.6230% | 822 |
| Total domestic deposits to total assets | 74.2845% | 4,638 |
| Equity capital to assets | 13.5100% | 1,216 |
| Core capital (leverage) ratio | 13.2147% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0256% | 744 |
| Memoranda: | ||
| Average total assets | $64,310,000 | 4,494 |
| Average earning assets | $59,621,000 | 4,487 |
| Average equity | $8,493,000 | 4,428 |
| Average total loans | $47,611,500 | 4,196 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0487% | 209 |
| Cost of funding earning assets | 1.6101% | 285 |
| Net interest margin | 4.4386% | 824 |
| Noninterest income to average assets | 0.9081% | 1,163 |
| Noninterest expense to average assets | 3.7491% | 715 |
| Loan and lease loss provision to assets | 0.3892% | 372 |
| Net operating income to assets | 0.9049% | 3,192 |
| Return on assets (ROA) | 0.9049% | 3,282 |
| Pretax return on assets | 0.9049% | 3,730 |
| Return on Equity (ROE) | 7.1852% | 3,487 |
| Retained earnings to average equity (ytd only) | 4.4811% | 2,715 |
| Net charge-offs to loans | 0.3018% | 691 |
| Credit loss provision to net charge-offs | 170.2128% | 1,525 |
| Earnings coverage of net charge-offs (x) | 5.6596% | 3,055 |
| Efficiency ratio | 74.3408% | 1,569 |
| Assets per employee ($millions) | 3.8641% | 4,076 |
| Cash dividends to net income (ytd only)* | 37.6344% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 1,820 |
| Loan loss allowance to noncurrent loans | 64.7363% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.6700% | 561 |
| Noncurrent loans to loans | 2.0439% | 622 |
| Net loans and leases to total assets | 71.0697% | 2,237 |
| Net loans and leases to deposits | 95.6836% | 975 |
| Net loans and leases to core deposits | 104.9078% | 1,170 |
| Total domestic deposits to total assets | 74.2758% | 4,759 |
| Equity capital to assets | 12.9154% | 1,572 |
| Core capital (leverage) ratio | 12.9621% | 1,253 |
| Tier 1 risk-based capital ratio | 19.4204% | 1,432 |
| Total risk-based capital ratio | 20.6723% | 1,393 |
| Memoranda: | ||
| Average total assets | $61,667,400 | 4,573 |
| Average earning assets | $57,450,000 | 4,567 |
| Average equity | $7,766,000 | 4,534 |
| Average total loans | $46,723,800 | 4,246 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1012% | 205 |
| Cost of funding earning assets | 1.5736% | 328 |
| Net interest margin | 4.5276% | 722 |
| Noninterest income to average assets | 0.9165% | 1,107 |
| Noninterest expense to average assets | 3.8464% | 624 |
| Loan and lease loss provision to assets | 0.3517% | 386 |
| Net operating income to assets | 0.9429% | 3,193 |
| Return on assets (ROA) | 0.9429% | 3,268 |
| Pretax return on assets | 0.9429% | 3,757 |
| Return on Equity (ROE) | 7.5396% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.5396% | 1,601 |
| Net charge-offs to loans | 0.0887% | 1,579 |
| Credit loss provision to net charge-offs | 516.1290% | 607 |
| Earnings coverage of net charge-offs (x) | 19.0010% | 2,026 |
| Efficiency ratio | 74.8183% | 1,463 |
| Assets per employee ($millions) | 3.7081% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 1,715 |
| Loan loss allowance to noncurrent loans | 60.7044% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.9179% | 479 |
| Noncurrent loans to loans | 2.2437% | 552 |
| Net loans and leases to total assets | 75.2495% | 1,609 |
| Net loans and leases to deposits | 103.2992% | 439 |
| Net loans and leases to core deposits | 115.7205% | 671 |
| Total domestic deposits to total assets | 72.8461% | 4,877 |
| Equity capital to assets | 13.4588% | 1,381 |
| Core capital (leverage) ratio | 13.5436% | 1,117 |
| Tier 1 risk-based capital ratio | 19.3300% | 1,499 |
| Total risk-based capital ratio | 20.5814% | 1,467 |
| Memoranda: | ||
| Average total assets | $60,662,000 | 4,650 |
| Average earning assets | $56,599,500 | 4,644 |
| Average equity | $7,586,500 | 4,610 |
| Average total loans | $46,577,000 | 4,297 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9700% | 248 |
| Cost of funding earning assets | 1.5345% | 339 |
| Net interest margin | 4.4354% | 877 |
| Noninterest income to average assets | 0.8485% | 1,207 |
| Noninterest expense to average assets | 3.9218% | 589 |
| Loan and lease loss provision to assets | 0.1336% | 1,389 |
| Net operating income to assets | 0.9354% | 3,151 |
| Return on assets (ROA) | 0.9354% | 3,210 |
| Pretax return on assets | 0.9354% | 3,755 |
| Return on Equity (ROE) | 7.6846% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.6846% | 1,526 |
| Net charge-offs to loans | 0.0695% | 1,666 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,790 |
| Efficiency ratio | 78.5810% | 1,086 |
| Assets per employee ($millions) | 3.8064% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 2,536 |
| Loan loss allowance to noncurrent loans | 45.4545% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.2248% | 376 |
| Noncurrent loans to loans | 2.6349% | 426 |
| Net loans and leases to total assets | 74.4988% | 1,804 |
| Net loans and leases to deposits | 102.6214% | 506 |
| Net loans and leases to core deposits | 117.1041% | 641 |
| Total domestic deposits to total assets | 72.5958% | 4,934 |
| Equity capital to assets | 13.0798% | 1,552 |
| Core capital (leverage) ratio | 13.1666% | 1,230 |
| Tier 1 risk-based capital ratio | 19.4289% | 1,452 |
| Total risk-based capital ratio | 20.6800% | 1,420 |
| Memoranda: | ||
| Average total assets | $59,870,330 | 4,696 |
| Average earning assets | $55,913,330 | 4,686 |
| Average equity | $7,287,330 | 4,683 |
| Average total loans | $46,072,670 | 4,340 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9897% | 226 |
| Cost of funding earning assets | 1.5155% | 310 |
| Net interest margin | 4.4742% | 777 |
| Noninterest income to average assets | 0.8222% | 1,234 |
| Noninterest expense to average assets | 4.1042% | 460 |
| Loan and lease loss provision to assets | 0.0674% | 2,323 |
| Net operating income to assets | 0.8289% | 3,520 |
| Return on assets (ROA) | 0.8289% | 3,558 |
| Pretax return on assets | 0.8289% | 3,969 |
| Return on Equity (ROE) | 7.0812% | 3,642 |
| Retained earnings to average equity (ytd only) | 7.0812% | 2,004 |
| Net charge-offs to loans | 0.1560% | 861 |
| Credit loss provision to net charge-offs | 55.5556% | 1,940 |
| Earnings coverage of net charge-offs (x) | 7.3889% | 2,139 |
| Efficiency ratio | 82.0755% | 866 |
| Assets per employee ($millions) | 3.7203% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 3,155 |
| Loan loss allowance to noncurrent loans | 50.8841% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 2.1168% | 432 |
| Noncurrent loans to loans | 2.1528% | 667 |
| Net loans and leases to total assets | 78.5733% | 1,061 |
| Net loans and leases to deposits | 106.7394% | 298 |
| Net loans and leases to core deposits | 120.7529% | 506 |
| Total domestic deposits to total assets | 73.6123% | 4,958 |
| Equity capital to assets | 11.8053% | 2,150 |
| Core capital (leverage) ratio | 11.7352% | 1,951 |
| Tier 1 risk-based capital ratio | 16.6358% | 2,214 |
| Total risk-based capital ratio | 17.8655% | 2,180 |
| Memoranda: | ||
| Average total assets | $59,354,000 | 4,755 |
| Average earning assets | $55,428,500 | 4,741 |
| Average equity | $6,948,000 | 4,764 |
| Average total loans | $46,148,000 | 4,385 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9444% | 178 |
| Cost of funding earning assets | 1.2797% | 242 |
| Net interest margin | 4.6647% | 526 |
| Noninterest income to average assets | 0.8438% | 1,327 |
| Noninterest expense to average assets | 3.9747% | 553 |
| Loan and lease loss provision to assets | 0.1628% | 1,248 |
| Net operating income to assets | 1.0232% | 2,913 |
| Return on assets (ROA) | 1.0232% | 2,902 |
| Pretax return on assets | 1.0232% | 3,532 |
| Return on Equity (ROE) | 9.1124% | 2,940 |
| Retained earnings to average equity (ytd only) | 5.7840% | 2,302 |
| Net charge-offs to loans | 0.0547% | 2,361 |
| Credit loss provision to net charge-offs | 392.0000% | 837 |
| Earnings coverage of net charge-offs (x) | 28.5600% | 1,647 |
| Efficiency ratio | 77.0196% | 1,235 |
| Assets per employee ($millions) | 3.4814% | 4,561 |
| Cash dividends to net income (ytd only)* | 36.5260% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,731 |
| Loan loss allowance to noncurrent loans | 40.4927% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 2.4061% | 329 |
| Noncurrent loans to loans | 2.8862% | 366 |
| Net loans and leases to total assets | 75.1588% | 1,746 |
| Net loans and leases to deposits | 105.5777% | 388 |
| Net loans and leases to core deposits | 122.3647% | 488 |
| Total domestic deposits to total assets | 71.1882% | 5,114 |
| Equity capital to assets | 11.6062% | 2,171 |
| Core capital (leverage) ratio | 11.5457% | 2,067 |
| Tier 1 risk-based capital ratio | 17.4557% | 1,908 |
| Total risk-based capital ratio | 18.7058% | 1,866 |
| Memoranda: | ||
| Average total assets | $60,205,600 | 4,759 |
| Average earning assets | $55,716,200 | 4,753 |
| Average equity | $6,760,000 | 4,782 |
| Average total loans | $45,709,800 | 4,412 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9838% | 156 |
| Cost of funding earning assets | 1.2689% | 181 |
| Net interest margin | 4.7149% | 458 |
| Noninterest income to average assets | 0.8424% | 1,351 |
| Noninterest expense to average assets | 3.8856% | 605 |
| Loan and lease loss provision to assets | 0.1830% | 994 |
| Net operating income to assets | 1.1247% | 2,556 |
| Return on assets (ROA) | 1.1247% | 2,568 |
| Pretax return on assets | 1.1247% | 3,298 |
| Return on Equity (ROE) | 10.0996% | 2,575 |
| Retained earnings to average equity (ytd only) | 10.0996% | 887 |
| Net charge-offs to loans | -0.0378% | 4,829 |
| Credit loss provision to net charge-offs | -638.4615% | 4,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8195% | 1,476 |
| Assets per employee ($millions) | 3.4803% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,338 |
| Loan loss allowance to noncurrent loans | 116.0677% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.0530% | 1,375 |
| Noncurrent loans to loans | 1.0816% | 1,574 |
| Net loans and leases to total assets | 72.9857% | 2,172 |
| Net loans and leases to deposits | 99.5482% | 824 |
| Net loans and leases to core deposits | 114.6384% | 787 |
| Total domestic deposits to total assets | 73.3170% | 5,036 |
| Equity capital to assets | 11.7671% | 2,058 |
| Core capital (leverage) ratio | 11.6104% | 2,078 |
| Tier 1 risk-based capital ratio | 17.8929% | 1,820 |
| Total risk-based capital ratio | 19.1447% | 1,781 |
| Memoranda: | ||
| Average total assets | $60,461,000 | 4,803 |
| Average earning assets | $55,793,250 | 4,807 |
| Average equity | $6,732,750 | 4,836 |
| Average total loans | $45,885,250 | 4,456 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9040% | 161 |
| Cost of funding earning assets | 1.2091% | 180 |
| Net interest margin | 4.6949% | 438 |
| Noninterest income to average assets | 0.8277% | 1,395 |
| Noninterest expense to average assets | 3.7935% | 678 |
| Loan and lease loss provision to assets | 0.2398% | 655 |
| Net operating income to assets | 1.1561% | 2,369 |
| Return on assets (ROA) | 1.1561% | 2,368 |
| Pretax return on assets | 1.1561% | 3,108 |
| Return on Equity (ROE) | 10.5764% | 2,292 |
| Retained earnings to average equity (ytd only) | 10.5764% | 766 |
| Net charge-offs to loans | -0.0472% | 4,901 |
| Credit loss provision to net charge-offs | -663.6364% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1013% | 1,834 |
| Assets per employee ($millions) | 3.6120% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 2,807 |
| Loan loss allowance to noncurrent loans | 107.8156% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.9836% | 1,527 |
| Noncurrent loans to loans | 1.0999% | 1,604 |
| Net loans and leases to total assets | 73.0099% | 2,112 |
| Net loans and leases to deposits | 99.0193% | 883 |
| Net loans and leases to core deposits | 114.3123% | 781 |
| Total domestic deposits to total assets | 73.7330% | 5,069 |
| Equity capital to assets | 11.1149% | 2,531 |
| Core capital (leverage) ratio | 11.0675% | 2,466 |
| Tier 1 risk-based capital ratio | 16.5891% | 2,230 |
| Total risk-based capital ratio | 17.8397% | 2,176 |
| Memoranda: | ||
| Average total assets | $60,893,000 | 4,857 |
| Average earning assets | $56,571,670 | 4,847 |
| Average equity | $6,656,330 | 4,898 |
| Average total loans | $46,603,330 | 4,468 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7957% | 184 |
| Cost of funding earning assets | 1.1549% | 172 |
| Net interest margin | 4.6408% | 456 |
| Noninterest income to average assets | 0.7982% | 1,458 |
| Noninterest expense to average assets | 3.8260% | 650 |
| Loan and lease loss provision to assets | 0.2309% | 675 |
| Net operating income to assets | 1.0357% | 2,709 |
| Return on assets (ROA) | 1.0357% | 2,727 |
| Pretax return on assets | 1.0357% | 3,409 |
| Return on Equity (ROE) | 9.5557% | 2,655 |
| Retained earnings to average equity (ytd only) | 9.5557% | 1,296 |
| Net charge-offs to loans | 0.0254% | 1,995 |
| Credit loss provision to net charge-offs | 1,166.6667% | 304 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 811 |
| Efficiency ratio | 75.1295% | 1,727 |
| Assets per employee ($millions) | 3.6423% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,762 |
| Loan loss allowance to noncurrent loans | 159.1503% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6638% | 2,335 |
| Noncurrent loans to loans | 0.6492% | 2,603 |
| Net loans and leases to total assets | 75.3323% | 1,654 |
| Net loans and leases to deposits | 102.4309% | 558 |
| Net loans and leases to core deposits | 117.2840% | 682 |
| Total domestic deposits to total assets | 73.5445% | 5,190 |
| Equity capital to assets | 10.7092% | 2,859 |
| Core capital (leverage) ratio | 11.0147% | 2,422 |
| Tier 1 risk-based capital ratio | 15.6974% | 2,593 |
| Total risk-based capital ratio | 16.8468% | 2,575 |
| Memoranda: | ||
| Average total assets | $60,637,500 | 4,914 |
| Average earning assets | $56,110,500 | 4,909 |
| Average equity | $6,572,000 | 4,964 |
| Average total loans | $47,220,500 | 4,505 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8940% | 153 |
| Cost of funding earning assets | 0.9476% | 295 |
| Net interest margin | 4.9465% | 260 |
| Noninterest income to average assets | 0.6699% | 2,094 |
| Noninterest expense to average assets | 4.1588% | 440 |
| Loan and lease loss provision to assets | 0.2233% | 883 |
| Net operating income to assets | 0.8881% | 2,777 |
| Return on assets (ROA) | 0.8881% | 2,799 |
| Pretax return on assets | 0.8881% | 3,954 |
| Return on Equity (ROE) | 8.0026% | 2,793 |
| Retained earnings to average equity (ytd only) | 4.2877% | 2,590 |
| Net charge-offs to loans | 0.2521% | 1,038 |
| Credit loss provision to net charge-offs | 112.0690% | 2,322 |
| Earnings coverage of net charge-offs (x) | 5.5776% | 3,304 |
| Efficiency ratio | 78.9113% | 1,234 |
| Assets per employee ($millions) | 3.4915% | 4,709 |
| Cash dividends to net income (ytd only)* | 46.4217% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 4,163 |
| Loan loss allowance to noncurrent loans | 187.6033% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5846% | 2,606 |
| Noncurrent loans to loans | 0.5115% | 2,984 |
| Net loans and leases to total assets | 78.9389% | 1,133 |
| Net loans and leases to deposits | 101.6355% | 623 |
| Net loans and leases to core deposits | 115.3212% | 743 |
| Total domestic deposits to total assets | 77.6686% | 4,766 |
| Equity capital to assets | 10.9728% | 2,649 |
| Core capital (leverage) ratio | 10.8734% | 2,449 |
| Tier 1 risk-based capital ratio | 15.2138% | 2,739 |
| Total risk-based capital ratio | 16.2774% | 2,769 |
| Memoranda: | ||
| Average total assets | $58,214,000 | 4,999 |
| Average earning assets | $54,139,400 | 4,995 |
| Average equity | $6,460,400 | 5,032 |
| Average total loans | $46,019,200 | 4,567 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8419% | 155 |
| Cost of funding earning assets | 0.9094% | 324 |
| Net interest margin | 4.9325% | 260 |
| Noninterest income to average assets | 0.6790% | 2,088 |
| Noninterest expense to average assets | 4.1844% | 416 |
| Loan and lease loss provision to assets | 0.2025% | 936 |
| Net operating income to assets | 0.8861% | 3,097 |
| Return on assets (ROA) | 0.8861% | 3,145 |
| Pretax return on assets | 0.8861% | 4,083 |
| Return on Equity (ROE) | 7.9618% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.9618% | 1,237 |
| Net charge-offs to loans | 0.2626% | 824 |
| Credit loss provision to net charge-offs | 97.7778% | 2,346 |
| Earnings coverage of net charge-offs (x) | 5.2554% | 3,130 |
| Efficiency ratio | 79.3540% | 1,176 |
| Assets per employee ($millions) | 3.4008% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 4,401 |
| Loan loss allowance to noncurrent loans | 109.7744% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 1,882 |
| Noncurrent loans to loans | 0.8528% | 2,235 |
| Net loans and leases to total assets | 80.1740% | 963 |
| Net loans and leases to deposits | 106.3950% | 397 |
| Net loans and leases to core deposits | 122.3272% | 504 |
| Total domestic deposits to total assets | 75.3550% | 5,090 |
| Equity capital to assets | 11.4853% | 2,391 |
| Core capital (leverage) ratio | 11.3142% | 2,175 |
| Tier 1 risk-based capital ratio | 15.7726% | 2,600 |
| Total risk-based capital ratio | 16.8187% | 2,625 |
| Memoranda: | ||
| Average total assets | $57,928,500 | 5,063 |
| Average earning assets | $53,953,500 | 5,048 |
| Average equity | $6,447,250 | 5,086 |
| Average total loans | $45,696,750 | 4,617 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7375% | 178 |
| Cost of funding earning assets | 0.8835% | 339 |
| Net interest margin | 4.8540% | 286 |
| Noninterest income to average assets | 0.7349% | 1,838 |
| Noninterest expense to average assets | 4.1437% | 442 |
| Loan and lease loss provision to assets | 0.1725% | 1,120 |
| Net operating income to assets | 0.9488% | 2,669 |
| Return on assets (ROA) | 0.9488% | 2,724 |
| Pretax return on assets | 0.9488% | 3,770 |
| Return on Equity (ROE) | 8.6166% | 2,709 |
| Retained earnings to average equity (ytd only) | 8.6166% | 963 |
| Net charge-offs to loans | 0.1897% | 1,054 |
| Credit loss provision to net charge-offs | 116.2791% | 1,820 |
| Earnings coverage of net charge-offs (x) | 7.5581% | 2,590 |
| Efficiency ratio | 78.7025% | 1,362 |
| Assets per employee ($millions) | 3.2866% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 4,244 |
| Loan loss allowance to noncurrent loans | 82.7778% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.1647% | 1,468 |
| Noncurrent loans to loans | 1.1891% | 1,640 |
| Net loans and leases to total assets | 76.0104% | 1,546 |
| Net loans and leases to deposits | 99.8246% | 754 |
| Net loans and leases to core deposits | 113.2613% | 834 |
| Total domestic deposits to total assets | 76.1440% | 5,075 |
| Equity capital to assets | 11.0381% | 2,767 |
| Core capital (leverage) ratio | 10.9135% | 2,485 |
| Tier 1 risk-based capital ratio | 16.2431% | 2,414 |
| Total risk-based capital ratio | 17.3613% | 2,404 |
| Memoranda: | ||
| Average total assets | $57,967,000 | 5,103 |
| Average earning assets | $54,100,000 | 5,083 |
| Average equity | $6,383,000 | 5,130 |
| Average total loans | $45,332,670 | 4,653 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8941% | 139 |
| Cost of funding earning assets | 0.8655% | 345 |
| Net interest margin | 5.0287% | 216 |
| Noninterest income to average assets | 0.7669% | 1,680 |
| Noninterest expense to average assets | 4.2251% | 414 |
| Loan and lease loss provision to assets | 0.2092% | 780 |
| Net operating income to assets | 1.0319% | 2,160 |
| Return on assets (ROA) | 1.0319% | 2,209 |
| Pretax return on assets | 1.0319% | 3,229 |
| Return on Equity (ROE) | 9.3827% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.3827% | 954 |
| Net charge-offs to loans | 0.2826% | 640 |
| Credit loss provision to net charge-offs | 93.7500% | 1,664 |
| Earnings coverage of net charge-offs (x) | 5.5625% | 2,280 |
| Efficiency ratio | 77.2959% | 1,719 |
| Assets per employee ($millions) | 3.2882% | 5,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 4,426 |
| Loan loss allowance to noncurrent loans | 178.7755% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 2,757 |
| Noncurrent loans to loans | 0.5447% | 3,186 |
| Net loans and leases to total assets | 75.2496% | 1,541 |
| Net loans and leases to deposits | 98.4265% | 736 |
| Net loans and leases to core deposits | 111.1838% | 817 |
| Total domestic deposits to total assets | 76.4526% | 5,182 |
| Equity capital to assets | 10.7997% | 2,855 |
| Core capital (leverage) ratio | 11.2559% | 2,142 |
| Tier 1 risk-based capital ratio | 15.2680% | 2,847 |
| Total risk-based capital ratio | 16.3185% | 2,866 |
| Memoranda: | ||
| Average total assets | $57,371,000 | 5,166 |
| Average earning assets | $53,612,500 | 5,148 |
| Average equity | $6,309,500 | 5,191 |
| Average total loans | $45,292,000 | 4,696 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5119% | 67 |
| Cost of funding earning assets | 0.8278% | 436 |
| Net interest margin | 5.6841% | 85 |
| Noninterest income to average assets | 0.7773% | 1,843 |
| Noninterest expense to average assets | 4.3689% | 421 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6549% | 603 |
| Return on assets (ROA) | 1.6549% | 632 |
| Pretax return on assets | 1.6549% | 1,122 |
| Return on Equity (ROE) | 13.9674% | 782 |
| Retained earnings to average equity (ytd only) | 5.8264% | 1,806 |
| Net charge-offs to loans | -0.1987% | 5,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5275% | 2,501 |
| Assets per employee ($millions) | 3.0864% | 5,281 |
| Cash dividends to net income (ytd only)* | 58.2857% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 4,500 |
| Loan loss allowance to noncurrent loans | 121.5470% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8766% | 2,156 |
| Noncurrent loans to loans | 0.7937% | 2,532 |
| Net loans and leases to total assets | 81.3032% | 698 |
| Net loans and leases to deposits | 106.2227% | 333 |
| Net loans and leases to core deposits | 119.6250% | 494 |
| Total domestic deposits to total assets | 76.5404% | 5,177 |
| Equity capital to assets | 11.2087% | 2,410 |
| Core capital (leverage) ratio | 10.9814% | 2,359 |
| Tier 1 risk-based capital ratio | 14.5107% | 3,192 |
| Total risk-based capital ratio | 15.5376% | 3,222 |
| Memoranda: | ||
| Average total assets | $52,873,800 | 5,291 |
| Average earning assets | $48,803,200 | 5,270 |
| Average equity | $6,264,600 | 5,239 |
| Average total loans | $43,792,400 | 4,760 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6087% | 64 |
| Cost of funding earning assets | 0.8094% | 482 |
| Net interest margin | 5.7992% | 77 |
| Noninterest income to average assets | 0.7713% | 1,877 |
| Noninterest expense to average assets | 4.3521% | 429 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7623% | 526 |
| Return on assets (ROA) | 1.7623% | 554 |
| Pretax return on assets | 1.7623% | 971 |
| Return on Equity (ROE) | 14.6634% | 710 |
| Retained earnings to average equity (ytd only) | 14.6634% | 144 |
| Net charge-offs to loans | -0.2769% | 5,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1779% | 2,707 |
| Assets per employee ($millions) | 3.0537% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 4,654 |
| Loan loss allowance to noncurrent loans | 157.2954% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 2,714 |
| Noncurrent loans to loans | 0.6051% | 3,201 |
| Net loans and leases to total assets | 83.6881% | 438 |
| Net loans and leases to deposits | 112.4172% | 217 |
| Net loans and leases to core deposits | 126.5892% | 361 |
| Total domestic deposits to total assets | 74.4442% | 5,390 |
| Equity capital to assets | 12.0220% | 2,102 |
| Core capital (leverage) ratio | 12.0181% | 1,666 |
| Tier 1 risk-based capital ratio | 15.2271% | 2,940 |
| Total risk-based capital ratio | 16.2556% | 2,979 |
| Memoranda: | ||
| Average total assets | $52,203,500 | 5,356 |
| Average earning assets | $48,097,250 | 5,337 |
| Average equity | $6,274,000 | 5,288 |
| Average total loans | $43,338,500 | 4,809 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7162% | 64 |
| Cost of funding earning assets | 0.7877% | 526 |
| Net interest margin | 5.9286% | 74 |
| Noninterest income to average assets | 0.7644% | 1,866 |
| Noninterest expense to average assets | 4.3835% | 423 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8408% | 445 |
| Return on assets (ROA) | 1.8408% | 469 |
| Pretax return on assets | 1.8408% | 798 |
| Return on Equity (ROE) | 15.3180% | 638 |
| Retained earnings to average equity (ytd only) | 15.3180% | 139 |
| Net charge-offs to loans | -0.4208% | 5,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4261% | 2,915 |
| Assets per employee ($millions) | 3.1025% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 4,496 |
| Loan loss allowance to noncurrent loans | 154.0070% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 2,647 |
| Noncurrent loans to loans | 0.6513% | 3,123 |
| Net loans and leases to total assets | 82.7086% | 548 |
| Net loans and leases to deposits | 112.6831% | 198 |
| Net loans and leases to core deposits | 151.4582% | 118 |
| Total domestic deposits to total assets | 73.3993% | 5,576 |
| Equity capital to assets | 12.1248% | 2,036 |
| Core capital (leverage) ratio | 12.0741% | 1,576 |
| Tier 1 risk-based capital ratio | 15.4342% | 2,888 |
| Total risk-based capital ratio | 16.5126% | 2,888 |
| Memoranda: | ||
| Average total assets | $51,282,670 | 5,434 |
| Average earning assets | $47,229,000 | 5,415 |
| Average equity | $6,162,670 | 5,356 |
| Average total loans | $42,304,000 | 4,892 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7892% | 63 |
| Cost of funding earning assets | 0.7467% | 644 |
| Net interest margin | 6.0425% | 64 |
| Noninterest income to average assets | 0.7438% | 1,843 |
| Noninterest expense to average assets | 4.4627% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8515% | 437 |
| Return on assets (ROA) | 1.8515% | 468 |
| Pretax return on assets | 1.8515% | 766 |
| Return on Equity (ROE) | 15.4800% | 604 |
| Retained earnings to average equity (ytd only) | 15.4800% | 222 |
| Net charge-offs to loans | -0.8594% | 6,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6767% | 3,009 |
| Assets per employee ($millions) | 3.0036% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 4,428 |
| Loan loss allowance to noncurrent loans | 317.9856% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 3,530 |
| Noncurrent loans to loans | 0.3250% | 4,270 |
| Net loans and leases to total assets | 82.9008% | 463 |
| Net loans and leases to deposits | 111.9515% | 185 |
| Net loans and leases to core deposits | 146.8670% | 122 |
| Total domestic deposits to total assets | 74.0506% | 5,607 |
| Equity capital to assets | 12.0503% | 1,993 |
| Core capital (leverage) ratio | 11.9369% | 1,650 |
| Tier 1 risk-based capital ratio | 15.7030% | 2,822 |
| Total risk-based capital ratio | 16.8429% | 2,796 |
| Memoranda: | ||
| Average total assets | $50,552,500 | 5,498 |
| Average earning assets | $46,603,500 | 5,478 |
| Average equity | $6,046,500 | 5,411 |
| Average total loans | $41,423,500 | 4,962 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3462% | 90 |
| Cost of funding earning assets | 0.6530% | 1,058 |
| Net interest margin | 5.6933% | 94 |
| Noninterest income to average assets | 0.8121% | 1,738 |
| Noninterest expense to average assets | 4.5672% | 394 |
| Loan and lease loss provision to assets | 0.0984% | 2,343 |
| Net operating income to assets | 1.3679% | 1,106 |
| Return on assets (ROA) | 1.3679% | 1,152 |
| Pretax return on assets | 1.3679% | 2,036 |
| Return on Equity (ROE) | 11.3493% | 1,485 |
| Retained earnings to average equity (ytd only) | 5.9895% | 1,793 |
| Net charge-offs to loans | -0.1622% | 5,916 |
| Credit loss provision to net charge-offs | -75.0000% | 5,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6968% | 2,324 |
| Assets per employee ($millions) | 2.7802% | 5,721 |
| Cash dividends to net income (ytd only)* | 47.2264% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8808% | 5,152 |
| Loan loss allowance to noncurrent loans | 119.6610% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 2,979 |
| Noncurrent loans to loans | 0.7361% | 2,970 |
| Net loans and leases to total assets | 79.3742% | 937 |
| Net loans and leases to deposits | 107.1049% | 325 |
| Net loans and leases to core deposits | 138.3030% | 185 |
| Total domestic deposits to total assets | 74.1088% | 5,630 |
| Equity capital to assets | 11.8696% | 2,055 |
| Core capital (leverage) ratio | 11.2223% | 2,190 |
| Tier 1 risk-based capital ratio | 15.7552% | 2,801 |
| Total risk-based capital ratio | 16.7052% | 2,892 |
| Memoranda: | ||
| Average total assets | $48,761,000 | 5,574 |
| Average earning assets | $44,719,400 | 5,560 |
| Average equity | $5,877,000 | 5,462 |
| Average total loans | $39,469,000 | 5,034 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3236% | 92 |
| Cost of funding earning assets | 0.6318% | 1,198 |
| Net interest margin | 5.6919% | 93 |
| Noninterest income to average assets | 0.8423% | 1,643 |
| Noninterest expense to average assets | 4.5195% | 403 |
| Loan and lease loss provision to assets | 0.1321% | 1,697 |
| Net operating income to assets | 1.3983% | 1,109 |
| Return on assets (ROA) | 1.3983% | 1,158 |
| Pretax return on assets | 1.3983% | 2,017 |
| Return on Equity (ROE) | 11.5559% | 1,512 |
| Retained earnings to average equity (ytd only) | 11.5559% | 409 |
| Net charge-offs to loans | -0.2272% | 6,024 |
| Credit loss provision to net charge-offs | -71.6418% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7043% | 2,443 |
| Assets per employee ($millions) | 2.4506% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 5,314 |
| Loan loss allowance to noncurrent loans | 116.0131% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7672% | 2,984 |
| Noncurrent loans to loans | 0.7446% | 3,098 |
| Net loans and leases to total assets | 83.1283% | 458 |
| Net loans and leases to deposits | 114.0530% | 167 |
| Net loans and leases to core deposits | 133.0786% | 235 |
| Total domestic deposits to total assets | 72.8857% | 5,798 |
| Equity capital to assets | 12.4564% | 1,767 |
| Core capital (leverage) ratio | 12.3785% | 1,476 |
| Tier 1 risk-based capital ratio | 15.1986% | 3,186 |
| Total risk-based capital ratio | 16.0964% | 3,315 |
| Memoranda: | ||
| Average total assets | $48,440,250 | 5,647 |
| Average earning assets | $44,319,500 | 5,646 |
| Average equity | $5,861,250 | 5,535 |
| Average total loans | $39,317,500 | 5,097 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4003% | 84 |
| Cost of funding earning assets | 0.6223% | 1,278 |
| Net interest margin | 5.7780% | 87 |
| Noninterest income to average assets | 0.8539% | 1,595 |
| Noninterest expense to average assets | 4.4394% | 448 |
| Loan and lease loss provision to assets | 0.1990% | 987 |
| Net operating income to assets | 1.4881% | 917 |
| Return on assets (ROA) | 1.4881% | 964 |
| Pretax return on assets | 1.4881% | 1,683 |
| Return on Equity (ROE) | 12.4221% | 1,251 |
| Retained earnings to average equity (ytd only) | 12.4221% | 358 |
| Net charge-offs to loans | -0.3822% | 6,162 |
| Credit loss provision to net charge-offs | -64.8649% | 4,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4628% | 2,938 |
| Assets per employee ($millions) | 2.8464% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 5,114 |
| Loan loss allowance to noncurrent loans | 176.5854% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.5683% | 3,712 |
| Noncurrent loans to loans | 0.5356% | 3,849 |
| Net loans and leases to total assets | 78.3459% | 1,021 |
| Net loans and leases to deposits | 101.8593% | 556 |
| Net loans and leases to core deposits | 118.2212% | 521 |
| Total domestic deposits to total assets | 76.9158% | 5,469 |
| Equity capital to assets | 12.2820% | 1,818 |
| Core capital (leverage) ratio | 11.9307% | 1,699 |
| Tier 1 risk-based capital ratio | 16.6251% | 2,552 |
| Total risk-based capital ratio | 17.6521% | 2,615 |
| Memoranda: | ||
| Average total assets | $48,250,000 | 5,716 |
| Average earning assets | $44,029,000 | 5,713 |
| Average equity | $5,780,000 | 5,610 |
| Average total loans | $38,724,330 | 5,154 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2415% | 100 |
| Cost of funding earning assets | 0.6196% | 1,309 |
| Net interest margin | 5.6219% | 104 |
| Noninterest income to average assets | 0.8385% | 1,577 |
| Noninterest expense to average assets | 4.2838% | 512 |
| Loan and lease loss provision to assets | 0.3321% | 409 |
| Net operating income to assets | 1.3449% | 1,151 |
| Return on assets (ROA) | 1.3449% | 1,218 |
| Pretax return on assets | 1.3449% | 2,100 |
| Return on Equity (ROE) | 11.3714% | 1,524 |
| Retained earnings to average equity (ytd only) | 11.3714% | 666 |
| Net charge-offs to loans | -0.1130% | 5,898 |
| Credit loss provision to net charge-offs | -363.6364% | 4,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8663% | 3,197 |
| Assets per employee ($millions) | 2.8825% | 5,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 5,821 |
| Loan loss allowance to noncurrent loans | 349.3976% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 4,540 |
| Noncurrent loans to loans | 0.2128% | 5,020 |
| Net loans and leases to total assets | 78.9931% | 792 |
| Net loans and leases to deposits | 106.0114% | 315 |
| Net loans and leases to core deposits | 122.7805% | 358 |
| Total domestic deposits to total assets | 74.5138% | 5,865 |
| Equity capital to assets | 11.8054% | 2,189 |
| Core capital (leverage) ratio | 11.6624% | 1,880 |
| Tier 1 risk-based capital ratio | 15.7821% | 3,027 |
| Total risk-based capital ratio | 16.5901% | 3,166 |
| Memoranda: | ||
| Average total assets | $48,181,000 | 5,766 |
| Average earning assets | $43,900,000 | 5,756 |
| Average equity | $5,698,500 | 5,673 |
| Average total loans | $38,950,500 | 5,178 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8687% | 72 |
| Cost of funding earning assets | 0.5776% | 1,980 |
| Net interest margin | 6.2912% | 72 |
| Noninterest income to average assets | 1.0010% | 1,214 |
| Noninterest expense to average assets | 4.5679% | 437 |
| Loan and lease loss provision to assets | 0.1175% | 2,215 |
| Net operating income to assets | 2.0490% | 301 |
| Return on assets (ROA) | 2.0490% | 306 |
| Pretax return on assets | 2.0490% | 468 |
| Return on Equity (ROE) | 15.8045% | 645 |
| Retained earnings to average equity (ytd only) | 6.8329% | 1,484 |
| Net charge-offs to loans | 0.4006% | 1,069 |
| Credit loss provision to net charge-offs | 37.8788% | 3,714 |
| Earnings coverage of net charge-offs (x) | 6.9848% | 3,106 |
| Efficiency ratio | 67.8297% | 3,927 |
| Assets per employee ($millions) | 2.7858% | 5,948 |
| Cash dividends to net income (ytd only)* | 56.7661% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6169% | 6,119 |
| Loan loss allowance to noncurrent loans | 25.2101% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 2.2150% | 1,100 |
| Noncurrent loans to loans | 2.4472% | 1,050 |
| Net loans and leases to total assets | 81.6360% | 562 |
| Net loans and leases to deposits | 110.1262% | 231 |
| Net loans and leases to core deposits | 127.1358% | 281 |
| Total domestic deposits to total assets | 74.1295% | 5,939 |
| Equity capital to assets | 11.8499% | 2,130 |
| Core capital (leverage) ratio | 11.0329% | 2,379 |
| Tier 1 risk-based capital ratio | 16.4583% | 2,732 |
| Total risk-based capital ratio | 17.1762% | 2,944 |
| Memoranda: | ||
| Average total assets | $42,558,000 | 5,966 |
| Average earning assets | $38,784,400 | 5,959 |
| Average equity | $5,517,400 | 5,739 |
| Average total loans | $32,954,200 | 5,448 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8861% | 72 |
| Cost of funding earning assets | 0.5417% | 2,360 |
| Net interest margin | 6.3444% | 72 |
| Noninterest income to average assets | 0.9897% | 1,252 |
| Noninterest expense to average assets | 4.4747% | 472 |
| Loan and lease loss provision to assets | 0.0484% | 3,409 |
| Net operating income to assets | 2.2438% | 217 |
| Return on assets (ROA) | 2.2438% | 225 |
| Pretax return on assets | 2.2438% | 339 |
| Return on Equity (ROE) | 16.8916% | 561 |
| Retained earnings to average equity (ytd only) | 16.8916% | 143 |
| Net charge-offs to loans | 0.0805% | 3,050 |
| Credit loss provision to net charge-offs | 78.9474% | 2,616 |
| Earnings coverage of net charge-offs (x) | 37.4252% | 1,180 |
| Efficiency ratio | 66.1267% | 4,197 |
| Assets per employee ($millions) | 2.7515% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 5,653 |
| Loan loss allowance to noncurrent loans | 295.3704% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 4,602 |
| Noncurrent loans to loans | 0.2987% | 5,008 |
| Net loans and leases to total assets | 76.6077% | 1,150 |
| Net loans and leases to deposits | 105.9457% | 329 |
| Net loans and leases to core deposits | 123.2510% | 324 |
| Total domestic deposits to total assets | 72.3084% | 6,155 |
| Equity capital to assets | 12.6518% | 1,610 |
| Core capital (leverage) ratio | 13.5486% | 979 |
| Tier 1 risk-based capital ratio | 18.5429% | 2,037 |
| Total risk-based capital ratio | 19.5591% | 2,077 |
| Memoranda: | ||
| Average total assets | $41,357,750 | 6,077 |
| Average earning assets | $37,659,250 | 6,067 |
| Average equity | $5,493,750 | 5,803 |
| Average total loans | $31,467,250 | 5,563 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8139% | 74 |
| Cost of funding earning assets | 0.5284% | 2,555 |
| Net interest margin | 6.2855% | 72 |
| Noninterest income to average assets | 1.0012% | 1,193 |
| Noninterest expense to average assets | 4.4752% | 460 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.2401% | 211 |
| Return on assets (ROA) | 2.2401% | 221 |
| Pretax return on assets | 2.2401% | 334 |
| Return on Equity (ROE) | 16.5535% | 598 |
| Retained earnings to average equity (ytd only) | 16.5535% | 153 |
| Net charge-offs to loans | 0.0936% | 2,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 31.6429% | 1,208 |
| Efficiency ratio | 66.6416% | 4,255 |
| Assets per employee ($millions) | 2.6435% | 6,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 5,508 |
| Loan loss allowance to noncurrent loans | 2,583.3333% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 5,498 |
| Noncurrent loans to loans | 0.0373% | 5,945 |
| Net loans and leases to total assets | 80.3067% | 652 |
| Net loans and leases to deposits | 110.8774% | 187 |
| Net loans and leases to core deposits | 133.4842% | 193 |
| Total domestic deposits to total assets | 72.4283% | 6,219 |
| Equity capital to assets | 14.2335% | 886 |
| Core capital (leverage) ratio | 14.7227% | 648 |
| Tier 1 risk-based capital ratio | 19.2068% | 1,872 |
| Total risk-based capital ratio | 20.2759% | 1,882 |
| Memoranda: | ||
| Average total assets | $39,551,670 | 6,185 |
| Average earning assets | $35,956,000 | 6,171 |
| Average equity | $5,352,330 | 5,875 |
| Average total loans | $29,905,330 | 5,660 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9354% | 156 |
| Cost of funding earning assets | 0.5205% | 2,714 |
| Net interest margin | 5.4150% | 141 |
| Noninterest income to average assets | 1.0025% | 1,123 |
| Noninterest expense to average assets | 4.4961% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4582% | 886 |
| Return on assets (ROA) | 1.4582% | 917 |
| Pretax return on assets | 1.4582% | 1,560 |
| Return on Equity (ROE) | 11.0631% | 1,665 |
| Retained earnings to average equity (ytd only) | 11.0631% | 732 |
| Net charge-offs to loans | 0.0278% | 3,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 581 |
| Efficiency ratio | 75.5102% | 2,869 |
| Assets per employee ($millions) | 2.3922% | 6,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 5,087 |
| Loan loss allowance to noncurrent loans | 260.9756% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 4,483 |
| Noncurrent loans to loans | 0.4244% | 4,867 |
| Net loans and leases to total assets | 79.8651% | 564 |
| Net loans and leases to deposits | 104.5111% | 275 |
| Net loans and leases to core deposits | 122.1985% | 286 |
| Total domestic deposits to total assets | 76.4178% | 6,038 |
| Equity capital to assets | 14.7730% | 717 |
| Core capital (leverage) ratio | 14.2919% | 734 |
| Tier 1 risk-based capital ratio | 20.2173% | 1,667 |
| Total risk-based capital ratio | 21.4497% | 1,640 |
| Memoranda: | ||
| Average total assets | $39,501,000 | 6,248 |
| Average earning assets | $36,122,000 | 6,232 |
| Average equity | $5,206,500 | 5,947 |
| Average total loans | $28,781,000 | 5,760 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3581% | 106 |
| Cost of funding earning assets | 0.8561% | 930 |
| Net interest margin | 5.5020% | 136 |
| Noninterest income to average assets | 0.8692% | 1,790 |
| Noninterest expense to average assets | 4.1526% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7307% | 554 |
| Return on assets (ROA) | 1.7307% | 570 |
| Pretax return on assets | 1.7307% | 895 |
| Return on Equity (ROE) | 13.3976% | 1,088 |
| Retained earnings to average equity (ytd only) | 6.7480% | 1,556 |
| Net charge-offs to loans | 0.1331% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 18.4054% | 1,654 |
| Efficiency ratio | 70.5832% | 3,744 |
| Assets per employee ($millions) | 3.0799% | 5,709 |
| Cash dividends to net income (ytd only)* | 49.6329% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 4,995 |
| Loan loss allowance to noncurrent loans | 242.8571% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 4,828 |
| Noncurrent loans to loans | 0.4653% | 4,836 |
| Net loans and leases to total assets | 65.5396% | 2,765 |
| Net loans and leases to deposits | 76.9063% | 2,867 |
| Net loans and leases to core deposits | 86.4088% | 2,399 |
| Total domestic deposits to total assets | 85.2200% | 3,627 |
| Equity capital to assets | 11.8556% | 1,903 |
| Core capital (leverage) ratio | 11.1605% | 2,230 |
| Tier 1 risk-based capital ratio | 19.4771% | 1,794 |
| Total risk-based capital ratio | 20.7046% | 1,761 |
| Memoranda: | ||
| Average total assets | $39,348,400 | 6,304 |
| Average earning assets | $35,859,600 | 6,294 |
| Average equity | $5,083,000 | 6,044 |
| Average total loans | $27,805,200 | 5,857 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3094% | 120 |
| Cost of funding earning assets | 0.7312% | 1,730 |
| Net interest margin | 5.5782% | 119 |
| Noninterest income to average assets | 0.8471% | 1,950 |
| Noninterest expense to average assets | 4.1937% | 692 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7115% | 618 |
| Return on assets (ROA) | 1.7115% | 646 |
| Pretax return on assets | 1.7115% | 1,072 |
| Return on Equity (ROE) | 12.9502% | 1,251 |
| Retained earnings to average equity (ytd only) | 12.9502% | 339 |
| Net charge-offs to loans | 0.0724% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 32.8660% | 1,155 |
| Efficiency ratio | 71.0170% | 3,602 |
| Assets per employee ($millions) | 2.7994% | 6,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 4,664 |
| Loan loss allowance to noncurrent loans | 309.9099% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 5,047 |
| Noncurrent loans to loans | 0.4019% | 5,187 |
| Net loans and leases to total assets | 69.5951% | 2,033 |
| Net loans and leases to deposits | 83.9205% | 1,885 |
| Net loans and leases to core deposits | 95.2073% | 1,453 |
| Total domestic deposits to total assets | 82.9298% | 4,603 |
| Equity capital to assets | 13.5490% | 1,101 |
| Core capital (leverage) ratio | 13.8549% | 902 |
| Tier 1 risk-based capital ratio | 20.7417% | 1,548 |
| Total risk-based capital ratio | 22.0002% | 1,522 |
| Memoranda: | ||
| Average total assets | $38,405,750 | 6,404 |
| Average earning assets | $34,825,500 | 6,394 |
| Average equity | $5,075,750 | 6,118 |
| Average total loans | $27,610,750 | 5,921 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1843% | 134 |
| Cost of funding earning assets | 0.7680% | 1,601 |
| Net interest margin | 5.4163% | 155 |
| Noninterest income to average assets | 0.8180% | 2,115 |
| Noninterest expense to average assets | 4.1527% | 735 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5835% | 768 |
| Return on assets (ROA) | 1.5835% | 838 |
| Pretax return on assets | 1.5835% | 1,413 |
| Return on Equity (ROE) | 12.0856% | 1,463 |
| Retained earnings to average equity (ytd only) | 12.0856% | 479 |
| Net charge-offs to loans | 0.0362% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 60.4000% | 700 |
| Efficiency ratio | 72.3949% | 3,403 |
| Assets per employee ($millions) | 2.7093% | 6,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 4,734 |
| Loan loss allowance to noncurrent loans | 959.4595% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 5,639 |
| Noncurrent loans to loans | 0.1303% | 5,998 |
| Net loans and leases to total assets | 73.9257% | 1,260 |
| Net loans and leases to deposits | 89.9872% | 1,148 |
| Net loans and leases to core deposits | 103.8711% | 847 |
| Total domestic deposits to total assets | 82.1513% | 5,005 |
| Equity capital to assets | 13.4643% | 1,153 |
| Core capital (leverage) ratio | 13.8057% | 877 |
| Tier 1 risk-based capital ratio | 19.4968% | 1,855 |
| Total risk-based capital ratio | 20.7472% | 1,832 |
| Memoranda: | ||
| Average total assets | $38,144,000 | 6,450 |
| Average earning assets | $34,636,330 | 6,441 |
| Average equity | $4,997,670 | 6,183 |
| Average total loans | $27,608,000 | 5,956 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0406% | 156 |
| Cost of funding earning assets | 0.7924% | 1,572 |
| Net interest margin | 5.2482% | 182 |
| Noninterest income to average assets | 0.7738% | 2,237 |
| Noninterest expense to average assets | 4.0783% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4745% | 902 |
| Return on assets (ROA) | 1.4745% | 985 |
| Pretax return on assets | 1.4745% | 1,637 |
| Return on Equity (ROE) | 11.4101% | 1,588 |
| Retained earnings to average equity (ytd only) | 11.4101% | 799 |
| Net charge-offs to loans | 0.0588% | 3,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 35.2500% | 872 |
| Efficiency ratio | 73.4463% | 3,362 |
| Assets per employee ($millions) | 2.8310% | 6,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 4,760 |
| Loan loss allowance to noncurrent loans | 404.5455% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 5,465 |
| Noncurrent loans to loans | 0.3187% | 5,602 |
| Net loans and leases to total assets | 74.0537% | 1,069 |
| Net loans and leases to deposits | 90.3168% | 940 |
| Net loans and leases to core deposits | 105.7094% | 652 |
| Total domestic deposits to total assets | 81.9933% | 5,190 |
| Equity capital to assets | 13.6022% | 1,178 |
| Core capital (leverage) ratio | 12.9482% | 1,136 |
| Tier 1 risk-based capital ratio | 19.6197% | 1,874 |
| Total risk-based capital ratio | 20.8714% | 1,850 |
| Memoranda: | ||
| Average total assets | $38,251,000 | 6,508 |
| Average earning assets | $34,831,000 | 6,495 |
| Average equity | $4,943,000 | 6,268 |
| Average total loans | $27,214,500 | 6,014 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7037% | 101 |
| Cost of funding earning assets | 0.9813% | 1,457 |
| Net interest margin | 5.7223% | 124 |
| Noninterest income to average assets | 0.8070% | 2,236 |
| Noninterest expense to average assets | 3.9870% | 992 |
| Loan and lease loss provision to assets | 0.1693% | 3,505 |
| Net operating income to assets | 1.9159% | 416 |
| Return on assets (ROA) | 1.9159% | 461 |
| Pretax return on assets | 1.9159% | 726 |
| Return on Equity (ROE) | 14.1323% | 971 |
| Retained earnings to average equity (ytd only) | 7.5761% | 1,292 |
| Net charge-offs to loans | 0.1347% | 4,332 |
| Credit loss provision to net charge-offs | 171.4286% | 1,537 |
| Earnings coverage of net charge-offs (x) | 21.1143% | 1,313 |
| Efficiency ratio | 65.6599% | 4,572 |
| Assets per employee ($millions) | 3.0538% | 5,932 |
| Cash dividends to net income (ytd only)* | 46.3918% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 4,446 |
| Loan loss allowance to noncurrent loans | 395.6044% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 5,626 |
| Noncurrent loans to loans | 0.3393% | 5,637 |
| Net loans and leases to total assets | 66.6490% | 2,429 |
| Net loans and leases to deposits | 79.6382% | 2,337 |
| Net loans and leases to core deposits | 92.0954% | 1,627 |
| Total domestic deposits to total assets | 83.6898% | 4,451 |
| Equity capital to assets | 12.2925% | 1,863 |
| Core capital (leverage) ratio | 11.4412% | 1,917 |
| Tier 1 risk-based capital ratio | 19.3911% | 1,843 |
| Total risk-based capital ratio | 20.5911% | 1,832 |
| Memoranda: | ||
| Average total assets | $35,440,400 | 6,617 |
| Average earning assets | $32,609,000 | 6,591 |
| Average equity | $4,804,600 | 6,352 |
| Average total loans | $25,992,200 | 6,137 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8248% | 96 |
| Cost of funding earning assets | 1.0164% | 1,467 |
| Net interest margin | 5.8084% | 117 |
| Noninterest income to average assets | 0.8106% | 2,192 |
| Noninterest expense to average assets | 3.8282% | 1,163 |
| Loan and lease loss provision to assets | 0.1784% | 3,355 |
| Net operating income to assets | 2.1681% | 305 |
| Return on assets (ROA) | 2.1681% | 336 |
| Pretax return on assets | 2.1681% | 506 |
| Return on Equity (ROE) | 15.5735% | 807 |
| Retained earnings to average equity (ytd only) | 15.5735% | 207 |
| Net charge-offs to loans | 0.0207% | 5,380 |
| Credit loss provision to net charge-offs | 1,150.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 151.3415% | 289 |
| Efficiency ratio | 61.9975% | 5,147 |
| Assets per employee ($millions) | 2.8911% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 4,345 |
| Loan loss allowance to noncurrent loans | 562.6866% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 5,916 |
| Noncurrent loans to loans | 0.2501% | 5,988 |
| Net loans and leases to total assets | 70.2772% | 1,859 |
| Net loans and leases to deposits | 85.7370% | 1,632 |
| Net loans and leases to core deposits | 100.6325% | 1,079 |
| Total domestic deposits to total assets | 81.9684% | 5,038 |
| Equity capital to assets | 13.5084% | 1,348 |
| Core capital (leverage) ratio | 14.1315% | 789 |
| Tier 1 risk-based capital ratio | 20.3003% | 1,688 |
| Total risk-based capital ratio | 21.5527% | 1,656 |
| Memoranda: | ||
| Average total assets | $34,375,750 | 6,731 |
| Average earning assets | $31,746,000 | 6,699 |
| Average equity | $4,785,750 | 6,432 |
| Average total loans | $25,785,500 | 6,229 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9223% | 87 |
| Cost of funding earning assets | 1.0595% | 1,417 |
| Net interest margin | 5.8628% | 107 |
| Noninterest income to average assets | 0.8467% | 1,980 |
| Noninterest expense to average assets | 3.8972% | 1,079 |
| Loan and lease loss provision to assets | 0.1862% | 3,243 |
| Net operating income to assets | 2.1798% | 290 |
| Return on assets (ROA) | 2.1798% | 329 |
| Pretax return on assets | 2.1798% | 506 |
| Return on Equity (ROE) | 15.4841% | 856 |
| Retained earnings to average equity (ytd only) | 15.4841% | 255 |
| Net charge-offs to loans | 0.0236% | 5,062 |
| Credit loss provision to net charge-offs | 1,033.3333% | 315 |
| Earnings coverage of net charge-offs (x) | 131.3333% | 340 |
| Efficiency ratio | 62.2244% | 5,211 |
| Assets per employee ($millions) | 3.5087% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 4,693 |
| Loan loss allowance to noncurrent loans | 464.1026% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 5,868 |
| Noncurrent loans to loans | 0.2893% | 5,989 |
| Net loans and leases to total assets | 75.8116% | 991 |
| Net loans and leases to deposits | 93.2352% | 835 |
| Net loans and leases to core deposits | 111.3204% | 527 |
| Total domestic deposits to total assets | 81.3122% | 5,360 |
| Equity capital to assets | 13.9111% | 1,136 |
| Core capital (leverage) ratio | 13.8116% | 863 |
| Tier 1 risk-based capital ratio | 19.6628% | 1,795 |
| Total risk-based capital ratio | 20.9169% | 1,762 |
| Memoranda: | ||
| Average total assets | $33,306,330 | 6,802 |
| Average earning assets | $30,770,330 | 6,776 |
| Average equity | $4,688,670 | 6,489 |
| Average total loans | $25,450,670 | 6,291 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9954% | 87 |
| Cost of funding earning assets | 1.0587% | 1,625 |
| Net interest margin | 5.9367% | 108 |
| Noninterest income to average assets | 0.8391% | 1,986 |
| Noninterest expense to average assets | 3.8993% | 1,066 |
| Loan and lease loss provision to assets | 0.1851% | 3,125 |
| Net operating income to assets | 2.2211% | 281 |
| Return on assets (ROA) | 2.2211% | 334 |
| Pretax return on assets | 2.2211% | 519 |
| Return on Equity (ROE) | 15.6777% | 857 |
| Retained earnings to average equity (ytd only) | 15.6777% | 394 |
| Net charge-offs to loans | 0.0162% | 4,459 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 195.0000% | 187 |
| Efficiency ratio | 61.8395% | 5,301 |
| Assets per employee ($millions) | 2.7785% | 6,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 4,648 |
| Loan loss allowance to noncurrent loans | 112.5806% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 1.0797% | 4,334 |
| Noncurrent loans to loans | 1.2361% | 4,271 |
| Net loans and leases to total assets | 74.1677% | 1,036 |
| Net loans and leases to deposits | 91.4906% | 839 |
| Net loans and leases to core deposits | 108.4891% | 590 |
| Total domestic deposits to total assets | 81.0659% | 5,588 |
| Equity capital to assets | 14.0274% | 1,023 |
| Core capital (leverage) ratio | 13.9206% | 824 |
| Tier 1 risk-based capital ratio | 20.6282% | 1,555 |
| Total risk-based capital ratio | 21.8802% | 1,533 |
| Memoranda: | ||
| Average total assets | $32,416,000 | 6,880 |
| Average earning assets | $29,848,000 | 6,855 |
| Average equity | $4,592,500 | 6,551 |
| Average total loans | $24,695,000 | 6,388 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6715% | 147 |
| Cost of funding earning assets | 1.1548% | 2,322 |
| Net interest margin | 5.5167% | 168 |
| Noninterest income to average assets | 0.9973% | 1,373 |
| Noninterest expense to average assets | 3.9952% | 1,044 |
| Loan and lease loss provision to assets | 0.1683% | 4,536 |
| Net operating income to assets | 1.9486% | 340 |
| Return on assets (ROA) | 1.9486% | 367 |
| Pretax return on assets | 1.9486% | 594 |
| Return on Equity (ROE) | 14.6754% | 801 |
| Retained earnings to average equity (ytd only) | 8.4551% | 937 |
| Net charge-offs to loans | 0.4856% | 3,053 |
| Credit loss provision to net charge-offs | 48.6726% | 5,453 |
| Earnings coverage of net charge-offs (x) | 6.1239% | 2,589 |
| Efficiency ratio | 65.3654% | 4,886 |
| Assets per employee ($millions) | 2.8627% | 6,350 |
| Cash dividends to net income (ytd only)* | 42.3862% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 4,567 |
| Loan loss allowance to noncurrent loans | 110.9272% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.1178% | 4,372 |
| Noncurrent loans to loans | 1.2422% | 4,290 |
| Net loans and leases to total assets | 76.1416% | 933 |
| Net loans and leases to deposits | 94.4014% | 787 |
| Net loans and leases to core deposits | 106.7780% | 766 |
| Total domestic deposits to total assets | 80.6574% | 5,548 |
| Equity capital to assets | 14.3157% | 961 |
| Core capital (leverage) ratio | 12.0556% | 1,561 |
| Tier 1 risk-based capital ratio | 19.9946% | 1,643 |
| Total risk-based capital ratio | 21.2527% | 1,612 |
| Memoranda: | ||
| Average total assets | $32,689,400 | 6,902 |
| Average earning assets | $30,308,200 | 6,859 |
| Average equity | $4,340,600 | 6,646 |
| Average total loans | $23,271,000 | 6,498 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5666% | 180 |
| Cost of funding earning assets | 1.1627% | 2,548 |
| Net interest margin | 5.4040% | 205 |
| Noninterest income to average assets | 0.9740% | 1,410 |
| Noninterest expense to average assets | 3.8032% | 1,301 |
| Loan and lease loss provision to assets | 0.1819% | 4,215 |
| Net operating income to assets | 2.0047% | 337 |
| Return on assets (ROA) | 2.0047% | 367 |
| Pretax return on assets | 2.0047% | 620 |
| Return on Equity (ROE) | 15.3840% | 768 |
| Retained earnings to average equity (ytd only) | 15.3840% | 205 |
| Net charge-offs to loans | 0.0753% | 5,210 |
| Credit loss provision to net charge-offs | 346.1538% | 816 |
| Earnings coverage of net charge-offs (x) | 41.6226% | 751 |
| Efficiency ratio | 63.4953% | 5,155 |
| Assets per employee ($millions) | 3.2071% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7085% | 3,242 |
| Loan loss allowance to noncurrent loans | 151.2456% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 4,878 |
| Noncurrent loans to loans | 1.1296% | 4,655 |
| Net loans and leases to total assets | 69.3095% | 2,216 |
| Net loans and leases to deposits | 84.4273% | 1,930 |
| Net loans and leases to core deposits | 94.4966% | 1,744 |
| Total domestic deposits to total assets | 82.0937% | 5,057 |
| Equity capital to assets | 13.1328% | 1,545 |
| Core capital (leverage) ratio | 14.5178% | 766 |
| Tier 1 risk-based capital ratio | 19.9815% | 1,689 |
| Total risk-based capital ratio | 21.2381% | 1,660 |
| Memoranda: | ||
| Average total assets | $32,989,250 | 6,953 |
| Average earning assets | $30,618,750 | 6,917 |
| Average equity | $4,298,750 | 6,709 |
| Average total loans | $23,010,750 | 6,577 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4855% | 210 |
| Cost of funding earning assets | 1.2286% | 2,392 |
| Net interest margin | 5.2569% | 254 |
| Noninterest income to average assets | 1.0302% | 1,249 |
| Noninterest expense to average assets | 3.9098% | 1,175 |
| Loan and lease loss provision to assets | 0.1862% | 4,053 |
| Net operating income to assets | 1.7936% | 513 |
| Return on assets (ROA) | 1.7936% | 548 |
| Pretax return on assets | 1.7936% | 894 |
| Return on Equity (ROE) | 13.8035% | 1,015 |
| Retained earnings to average equity (ytd only) | 13.8035% | 330 |
| Net charge-offs to loans | 0.1519% | 4,273 |
| Credit loss provision to net charge-offs | 176.4706% | 1,701 |
| Earnings coverage of net charge-offs (x) | 18.7647% | 1,240 |
| Efficiency ratio | 66.3857% | 4,802 |
| Assets per employee ($millions) | 2.7848% | 6,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7237% | 3,248 |
| Loan loss allowance to noncurrent loans | 136.5772% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 1.1360% | 4,618 |
| Noncurrent loans to loans | 1.2621% | 4,556 |
| Net loans and leases to total assets | 75.7516% | 1,113 |
| Net loans and leases to deposits | 95.5646% | 762 |
| Net loans and leases to core deposits | 112.1394% | 643 |
| Total domestic deposits to total assets | 79.2675% | 6,020 |
| Equity capital to assets | 14.2983% | 993 |
| Core capital (leverage) ratio | 13.6396% | 956 |
| Tier 1 risk-based capital ratio | 19.9439% | 1,616 |
| Total risk-based capital ratio | 21.2123% | 1,591 |
| Memoranda: | ||
| Average total assets | $32,226,330 | 7,038 |
| Average earning assets | $29,789,330 | 7,003 |
| Average equity | $4,187,330 | 6,792 |
| Average total loans | $22,389,000 | 6,671 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0044% | 467 |
| Cost of funding earning assets | 1.2035% | 2,789 |
| Net interest margin | 4.8009% | 571 |
| Noninterest income to average assets | 1.1265% | 1,031 |
| Noninterest expense to average assets | 3.7792% | 1,374 |
| Loan and lease loss provision to assets | 0.1817% | 3,798 |
| Net operating income to assets | 1.6110% | 675 |
| Return on assets (ROA) | 1.6110% | 716 |
| Pretax return on assets | 1.6110% | 1,164 |
| Return on Equity (ROE) | 13.0042% | 1,198 |
| Retained earnings to average equity (ytd only) | 13.0042% | 592 |
| Net charge-offs to loans | 0.2755% | 2,967 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 9.8667% | 1,681 |
| Efficiency ratio | 67.8261% | 4,687 |
| Assets per employee ($millions) | 2.8644% | 6,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8360% | 2,904 |
| Loan loss allowance to noncurrent loans | 80.0407% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.7170% | 3,682 |
| Noncurrent loans to loans | 2.2939% | 3,203 |
| Net loans and leases to total assets | 66.6878% | 2,834 |
| Net loans and leases to deposits | 83.7465% | 2,074 |
| Net loans and leases to core deposits | 96.4163% | 1,641 |
| Total domestic deposits to total assets | 79.6306% | 6,030 |
| Equity capital to assets | 13.2443% | 1,281 |
| Core capital (leverage) ratio | 12.9385% | 1,139 |
| Tier 1 risk-based capital ratio | 20.9898% | 1,397 |
| Total risk-based capital ratio | 22.2484% | 1,369 |
| Memoranda: | ||
| Average total assets | $33,023,000 | 7,072 |
| Average earning assets | $30,577,500 | 7,029 |
| Average equity | $4,091,000 | 6,852 |
| Average total loans | $21,777,500 | 6,751 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6683% | 242 |
| Cost of funding earning assets | 1.4058% | 3,226 |
| Net interest margin | 5.2625% | 255 |
| Noninterest income to average assets | 1.1147% | 1,192 |
| Noninterest expense to average assets | 3.9715% | 1,202 |
| Loan and lease loss provision to assets | 0.3881% | 3,784 |
| Net operating income to assets | 1.6023% | 616 |
| Return on assets (ROA) | 1.6023% | 668 |
| Pretax return on assets | 1.6023% | 1,125 |
| Return on Equity (ROE) | 13.0507% | 1,076 |
| Retained earnings to average equity (ytd only) | 7.7394% | 1,062 |
| Net charge-offs to loans | 1.3748% | 1,626 |
| Credit loss provision to net charge-offs | 40.5844% | 6,381 |
| Earnings coverage of net charge-offs (x) | 2.0812% | 4,161 |
| Efficiency ratio | 66.6146% | 4,842 |
| Assets per employee ($millions) | 3.1398% | 5,793 |
| Cash dividends to net income (ytd only)* | 40.6977% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7743% | 2,947 |
| Loan loss allowance to noncurrent loans | 1,708.6957% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 7,061 |
| Noncurrent loans to loans | 0.1038% | 6,879 |
| Net loans and leases to total assets | 62.9944% | 4,075 |
| Net loans and leases to deposits | 76.8120% | 3,721 |
| Net loans and leases to core deposits | 87.8184% | 3,075 |
| Total domestic deposits to total assets | 82.0111% | 5,186 |
| Equity capital to assets | 11.6075% | 2,182 |
| Core capital (leverage) ratio | 12.5302% | 1,304 |
| Tier 1 risk-based capital ratio | 19.6355% | 1,568 |
| Total risk-based capital ratio | 20.8957% | 1,530 |
| Memoranda: | ||
| Average total assets | $32,204,600 | 7,138 |
| Average earning assets | $29,662,600 | 7,102 |
| Average equity | $3,953,800 | 7,016 |
| Average total loans | $22,404,000 | 6,802 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7748% | 208 |
| Cost of funding earning assets | 1.4678% | 3,161 |
| Net interest margin | 5.3070% | 239 |
| Noninterest income to average assets | 1.1342% | 1,088 |
| Noninterest expense to average assets | 3.9719% | 1,077 |
| Loan and lease loss provision to assets | 0.4427% | 3,261 |
| Net operating income to assets | 1.5980% | 749 |
| Return on assets (ROA) | 1.5980% | 817 |
| Pretax return on assets | 1.5980% | 1,349 |
| Return on Equity (ROE) | 12.8254% | 1,304 |
| Retained earnings to average equity (ytd only) | 12.8254% | 368 |
| Net charge-offs to loans | 1.7566% | 1,112 |
| Credit loss provision to net charge-offs | 35.4730% | 6,089 |
| Earnings coverage of net charge-offs (x) | 1.6351% | 4,485 |
| Efficiency ratio | 66.0589% | 4,843 |
| Assets per employee ($millions) | 3.1221% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 3,084 |
| Loan loss allowance to noncurrent loans | 540.8451% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 6,849 |
| Noncurrent loans to loans | 0.3187% | 6,558 |
| Net loans and leases to total assets | 63.7452% | 4,173 |
| Net loans and leases to deposits | 78.4941% | 3,739 |
| Net loans and leases to core deposits | 88.9666% | 3,243 |
| Total domestic deposits to total assets | 81.2101% | 5,299 |
| Equity capital to assets | 12.1364% | 2,068 |
| Core capital (leverage) ratio | 13.2080% | 1,151 |
| Tier 1 risk-based capital ratio | 19.0184% | 1,747 |
| Total risk-based capital ratio | 20.2177% | 1,721 |
| Memoranda: | ||
| Average total assets | $31,621,250 | 7,239 |
| Average earning assets | $29,067,750 | 7,209 |
| Average equity | $3,940,000 | 7,108 |
| Average total loans | $22,467,500 | 6,883 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8920% | 180 |
| Cost of funding earning assets | 1.5498% | 2,962 |
| Net interest margin | 5.3422% | 230 |
| Noninterest income to average assets | 1.2177% | 873 |
| Noninterest expense to average assets | 4.0698% | 961 |
| Loan and lease loss provision to assets | 0.5209% | 2,703 |
| Net operating income to assets | 1.4977% | 917 |
| Return on assets (ROA) | 1.4977% | 977 |
| Pretax return on assets | 1.4977% | 1,561 |
| Return on Equity (ROE) | 11.9048% | 1,478 |
| Retained earnings to average equity (ytd only) | 11.9048% | 509 |
| Net charge-offs to loans | 2.6275% | 633 |
| Credit loss provision to net charge-offs | 27.0270% | 5,776 |
| Earnings coverage of net charge-offs (x) | 1.0473% | 4,747 |
| Efficiency ratio | 66.8449% | 4,807 |
| Assets per employee ($millions) | 2.7172% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 3,484 |
| Loan loss allowance to noncurrent loans | 240.9396% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 6,212 |
| Noncurrent loans to loans | 0.6608% | 5,930 |
| Net loans and leases to total assets | 74.2380% | 1,856 |
| Net loans and leases to deposits | 93.8820% | 1,291 |
| Net loans and leases to core deposits | 108.6684% | 1,249 |
| Total domestic deposits to total assets | 79.0759% | 6,019 |
| Equity capital to assets | 13.3394% | 1,421 |
| Core capital (leverage) ratio | 12.6419% | 1,349 |
| Tier 1 risk-based capital ratio | 18.6506% | 1,796 |
| Total risk-based capital ratio | 19.9080% | 1,765 |
| Memoranda: | ||
| Average total assets | $30,714,000 | 7,320 |
| Average earning assets | $28,003,330 | 7,298 |
| Average equity | $3,864,000 | 7,162 |
| Average total loans | $22,531,330 | 6,936 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7173% | 255 |
| Cost of funding earning assets | 1.6014% | 2,956 |
| Net interest margin | 5.1159% | 337 |
| Noninterest income to average assets | 1.0923% | 1,056 |
| Noninterest expense to average assets | 3.9452% | 1,109 |
| Loan and lease loss provision to assets | 0.6425% | 1,972 |
| Net operating income to assets | 1.1437% | 1,695 |
| Return on assets (ROA) | 1.1437% | 1,774 |
| Pretax return on assets | 1.1437% | 2,574 |
| Return on Equity (ROE) | 9.3623% | 2,352 |
| Retained earnings to average equity (ytd only) | 9.3623% | 1,302 |
| Net charge-offs to loans | -0.1598% | 7,629 |
| Credit loss provision to net charge-offs | -555.5556% | 6,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8341% | 4,543 |
| Assets per employee ($millions) | 2.5599% | 7,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8069% | 980 |
| Loan loss allowance to noncurrent loans | 111.0333% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 1.8588% | 3,690 |
| Noncurrent loans to loans | 2.5280% | 3,145 |
| Net loans and leases to total assets | 71.4639% | 2,573 |
| Net loans and leases to deposits | 87.3890% | 2,337 |
| Net loans and leases to core deposits | 98.2589% | 2,316 |
| Total domestic deposits to total assets | 81.7768% | 5,168 |
| Equity capital to assets | 12.5134% | 1,750 |
| Core capital (leverage) ratio | 12.1272% | 1,584 |
| Tier 1 risk-based capital ratio | 17.9239% | 1,959 |
| Total risk-based capital ratio | 19.1952% | 1,927 |
| Memoranda: | ||
| Average total assets | $31,126,500 | 7,401 |
| Average earning assets | $28,225,500 | 7,383 |
| Average equity | $3,802,500 | 7,250 |
| Average total loans | $22,523,000 | 7,022 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5766% | 122 |
| Cost of funding earning assets | 1.9102% | 3,411 |
| Net interest margin | 5.6665% | 155 |
| Noninterest income to average assets | 0.8363% | 2,246 |
| Noninterest expense to average assets | 4.1062% | 1,219 |
| Loan and lease loss provision to assets | 0.3280% | 4,850 |
| Net operating income to assets | 1.6267% | 513 |
| Return on assets (ROA) | 1.6267% | 545 |
| Pretax return on assets | 1.6267% | 907 |
| Return on Equity (ROE) | 13.4549% | 879 |
| Retained earnings to average equity (ytd only) | 7.7582% | 759 |
| Net charge-offs to loans | 0.1020% | 6,114 |
| Credit loss provision to net charge-offs | 434.7826% | 720 |
| Earnings coverage of net charge-offs (x) | 25.9130% | 864 |
| Efficiency ratio | 67.7489% | 5,051 |
| Assets per employee ($millions) | 2.8667% | 6,526 |
| Cash dividends to net income (ytd only)* | 42.3387% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5602% | 1,161 |
| Loan loss allowance to noncurrent loans | 271.2264% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 5,485 |
| Noncurrent loans to loans | 0.9439% | 5,426 |
| Net loans and leases to total assets | 69.3981% | 3,386 |
| Net loans and leases to deposits | 83.9916% | 3,275 |
| Net loans and leases to core deposits | 134.0110% | 1,054 |
| Total domestic deposits to total assets | 82.6251% | 4,696 |
| Equity capital to assets | 11.9268% | 2,072 |
| Core capital (leverage) ratio | 12.1028% | 1,621 |
| Tier 1 risk-based capital ratio | 17.5109% | 2,021 |
| Total risk-based capital ratio | 18.7784% | 1,981 |
| Memoranda: | ||
| Average total assets | $30,490,600 | 7,454 |
| Average earning assets | $28,112,800 | 7,427 |
| Average equity | $3,686,400 | 7,394 |
| Average total loans | $22,544,600 | 7,057 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6572% | 118 |
| Cost of funding earning assets | 1.9642% | 3,546 |
| Net interest margin | 5.6929% | 143 |
| Noninterest income to average assets | 0.7674% | 2,612 |
| Noninterest expense to average assets | 3.9298% | 1,383 |
| Loan and lease loss provision to assets | 0.3970% | 3,935 |
| Net operating income to assets | 1.7201% | 539 |
| Return on assets (ROA) | 1.7201% | 571 |
| Pretax return on assets | 1.7201% | 934 |
| Return on Equity (ROE) | 14.1774% | 895 |
| Retained earnings to average equity (ytd only) | 14.1774% | 183 |
| Net charge-offs to loans | 0.1536% | 5,179 |
| Credit loss provision to net charge-offs | 346.1538% | 1,183 |
| Earnings coverage of net charge-offs (x) | 18.4592% | 1,349 |
| Efficiency ratio | 64.9891% | 5,553 |
| Assets per employee ($millions) | 2.7799% | 6,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5203% | 1,039 |
| Loan loss allowance to noncurrent loans | 255.9091% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 5,366 |
| Noncurrent loans to loans | 0.9848% | 5,337 |
| Net loans and leases to total assets | 71.2123% | 3,221 |
| Net loans and leases to deposits | 87.4995% | 3,061 |
| Net loans and leases to core deposits | 148.3177% | 621 |
| Total domestic deposits to total assets | 81.3859% | 4,929 |
| Equity capital to assets | 12.6884% | 1,838 |
| Core capital (leverage) ratio | 12.5387% | 1,566 |
| Tier 1 risk-based capital ratio | 18.2716% | 1,918 |
| Total risk-based capital ratio | 19.5394% | 1,855 |
| Memoranda: | ||
| Average total assets | $30,229,750 | 7,532 |
| Average earning assets | $28,034,000 | 7,495 |
| Average equity | $3,667,750 | 7,456 |
| Average total loans | $22,566,000 | 7,122 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7145% | 120 |
| Cost of funding earning assets | 1.9909% | 3,818 |
| Net interest margin | 5.7237% | 134 |
| Noninterest income to average assets | 0.6974% | 3,007 |
| Noninterest expense to average assets | 3.8654% | 1,547 |
| Loan and lease loss provision to assets | 0.3985% | 3,527 |
| Net operating income to assets | 1.7799% | 489 |
| Return on assets (ROA) | 1.7799% | 528 |
| Pretax return on assets | 1.7799% | 878 |
| Return on Equity (ROE) | 14.9013% | 848 |
| Retained earnings to average equity (ytd only) | 14.9013% | 211 |
| Net charge-offs to loans | 0.2827% | 3,777 |
| Credit loss provision to net charge-offs | 187.5000% | 2,434 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 2,015 |
| Efficiency ratio | 63.9560% | 5,925 |
| Assets per employee ($millions) | 2.7961% | 6,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3253% | 1,074 |
| Loan loss allowance to noncurrent loans | 253.3654% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.8161% | 5,352 |
| Noncurrent loans to loans | 0.9178% | 5,381 |
| Net loans and leases to total assets | 71.9739% | 3,236 |
| Net loans and leases to deposits | 87.7130% | 3,215 |
| Net loans and leases to core deposits | 147.7968% | 705 |
| Total domestic deposits to total assets | 82.0561% | 4,670 |
| Equity capital to assets | 12.1078% | 2,147 |
| Core capital (leverage) ratio | 12.2586% | 1,714 |
| Tier 1 risk-based capital ratio | 17.7623% | 2,076 |
| Total risk-based capital ratio | 19.0256% | 2,024 |
| Memoranda: | ||
| Average total assets | $30,113,330 | 7,601 |
| Average earning assets | $28,128,670 | 7,557 |
| Average equity | $3,597,000 | 7,540 |
| Average total loans | $22,641,670 | 7,171 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7458% | 123 |
| Cost of funding earning assets | 2.1151% | 3,582 |
| Net interest margin | 5.6307% | 153 |
| Noninterest income to average assets | 0.6445% | 3,232 |
| Noninterest expense to average assets | 3.8803% | 1,335 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0543% | 321 |
| Return on assets (ROA) | 2.0543% | 364 |
| Pretax return on assets | 2.0543% | 599 |
| Return on Equity (ROE) | 17.3199% | 655 |
| Retained earnings to average equity (ytd only) | 17.3199% | 257 |
| Net charge-offs to loans | -0.0884% | 7,843 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3846% | 5,436 |
| Assets per employee ($millions) | 2.6375% | 7,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2479% | 1,019 |
| Loan loss allowance to noncurrent loans | 614.6341% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.4308% | 6,216 |
| Noncurrent loans to loans | 0.3657% | 6,515 |
| Net loans and leases to total assets | 75.5420% | 2,382 |
| Net loans and leases to deposits | 93.7786% | 2,308 |
| Net loans and leases to core deposits | 148.0478% | 779 |
| Total domestic deposits to total assets | 80.5535% | 5,151 |
| Equity capital to assets | 12.4427% | 2,007 |
| Core capital (leverage) ratio | 11.8238% | 1,988 |
| Tier 1 risk-based capital ratio | 17.6132% | 2,150 |
| Total risk-based capital ratio | 18.8758% | 2,091 |
| Memoranda: | ||
| Average total assets | $29,791,500 | 7,655 |
| Average earning assets | $27,989,500 | 7,612 |
| Average equity | $3,533,500 | 7,617 |
| Average total loans | $22,630,500 | 7,204 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1028% | 170 |
| Cost of funding earning assets | 2.7338% | 3,003 |
| Net interest margin | 5.3690% | 252 |
| Noninterest income to average assets | 0.6101% | 3,772 |
| Noninterest expense to average assets | 3.5944% | 2,162 |
| Loan and lease loss provision to assets | 0.2803% | 4,147 |
| Net operating income to assets | 1.7609% | 593 |
| Return on assets (ROA) | 1.7609% | 572 |
| Pretax return on assets | 1.7609% | 1,020 |
| Return on Equity (ROE) | 15.9794% | 778 |
| Retained earnings to average equity (ytd only) | 10.5931% | 378 |
| Net charge-offs to loans | 0.4543% | 2,560 |
| Credit loss provision to net charge-offs | 83.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | 6.0686% | 3,450 |
| Efficiency ratio | 63.7800% | 5,608 |
| Assets per employee ($millions) | 2.7791% | 6,613 |
| Cash dividends to net income (ytd only)* | 33.7079% | 3,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1848% | 964 |
| Loan loss allowance to noncurrent loans | 402.4194% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 6,000 |
| Noncurrent loans to loans | 0.5429% | 5,734 |
| Net loans and leases to total assets | 73.0815% | 3,341 |
| Net loans and leases to deposits | 92.7012% | 3,013 |
| Net loans and leases to core deposits | 142.8361% | 1,138 |
| Total domestic deposits to total assets | 78.8355% | 5,438 |
| Equity capital to assets | 11.3085% | 2,795 |
| Core capital (leverage) ratio | 11.0837% | 2,521 |
| Tier 1 risk-based capital ratio | 16.5581% | 2,467 |
| Total risk-based capital ratio | 17.8223% | 2,393 |
| Memoranda: | ||
| Average total assets | $30,325,200 | 7,632 |
| Average earning assets | $28,385,400 | 7,596 |
| Average equity | $3,341,800 | 7,737 |
| Average total loans | $22,453,000 | 7,171 |