Home > Spiro State Bank > Performance and Condition Ratios
Spiro 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 | 3.8324% | 4,144 |
| Cost of funding earning assets | 0.4802% | 4,213 |
| Net interest margin | 3.3522% | 2,511 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 3.0946% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4948% | 3,680 |
| Return on assets (ROA) | 0.4948% | 3,682 |
| Pretax return on assets | 0.5480% | 3,726 |
| Return on Equity (ROE) | 6.5400% | 3,406 |
| Retained earnings to average equity (ytd only) | 0.6818% | 3,905 |
| Net charge-offs to loans | -0.0095% | 3,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.9934% | 614 |
| Assets per employee ($millions) | 2.6611% | 4,418 |
| Cash dividends to net income (ytd only)* | 89.5765% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8314% | 64 |
| Loan loss allowance to noncurrent loans | 20,000.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 3,809 |
| Noncurrent loans to loans | 0.0192% | 3,602 |
| Net loans and leases to total assets | 17.1500% | 4,421 |
| Net loans and leases to deposits | 18.7478% | 4,431 |
| Net loans and leases to core deposits | 18.7478% | 4,456 |
| Total domestic deposits to total assets | 91.4700% | 400 |
| Equity capital to assets | 8.4516% | 3,086 |
| Core capital (leverage) ratio | 11.1531% | 1,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $62,044,200 | 4,189 |
| Average earning assets | $56,023,000 | 4,188 |
| Average equity | $4,693,200 | 4,287 |
| Average total loans | $10,545,200 | 4,407 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8089% | 4,103 |
| Cost of funding earning assets | 0.4561% | 4,194 |
| Net interest margin | 3.3528% | 2,567 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.8247% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6548% | 3,420 |
| Return on assets (ROA) | 0.6548% | 3,410 |
| Pretax return on assets | 0.7565% | 3,435 |
| Return on Equity (ROE) | 8.9000% | 2,955 |
| Retained earnings to average equity (ytd only) | 8.8992% | 1,713 |
| Net charge-offs to loans | -0.0126% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.9224% | 940 |
| Assets per employee ($millions) | 2.5914% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8329% | 61 |
| Loan loss allowance to noncurrent loans | 40,000.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 3,866 |
| Noncurrent loans to loans | 0.0096% | 3,728 |
| Net loans and leases to total assets | 16.8400% | 4,448 |
| Net loans and leases to deposits | 18.2596% | 4,457 |
| Net loans and leases to core deposits | 18.2596% | 4,449 |
| Total domestic deposits to total assets | 92.2200% | 416 |
| Equity capital to assets | 7.6204% | 3,282 |
| Core capital (leverage) ratio | 11.1120% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $62,919,000 | 4,197 |
| Average earning assets | $56,707,500 | 4,198 |
| Average equity | $4,629,500 | 4,304 |
| Average total loans | $10,571,500 | 4,432 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7374% | 4,101 |
| Cost of funding earning assets | 0.4087% | 4,151 |
| Net interest margin | 3.3287% | 2,688 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.7708% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6716% | 3,404 |
| Return on assets (ROA) | 0.6716% | 3,408 |
| Pretax return on assets | 0.7810% | 3,442 |
| Return on Equity (ROE) | 9.2300% | 2,919 |
| Retained earnings to average equity (ytd only) | 9.2301% | 1,621 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.0123% | 1,002 |
| Assets per employee ($millions) | 2.8974% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7640% | 70 |
| Loan loss allowance to noncurrent loans | 13,333.3333% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 3,828 |
| Noncurrent loans to loans | 0.0282% | 3,556 |
| Net loans and leases to total assets | 16.0400% | 4,481 |
| Net loans and leases to deposits | 17.3442% | 4,488 |
| Net loans and leases to core deposits | 17.4626% | 4,481 |
| Total domestic deposits to total assets | 92.5100% | 322 |
| Equity capital to assets | 7.3735% | 3,593 |
| Core capital (leverage) ratio | 10.4716% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $64,024,333 | 4,208 |
| Average earning assets | $57,740,667 | 4,208 |
| Average equity | $4,658,667 | 4,329 |
| Average total loans | $10,616,667 | 4,462 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6087% | 4,146 |
| Cost of funding earning assets | 0.3450% | 4,090 |
| Net interest margin | 3.2637% | 2,963 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.7803% | 1,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6421% | 3,604 |
| Return on assets (ROA) | 0.6421% | 3,566 |
| Pretax return on assets | 0.7418% | 3,580 |
| Return on Equity (ROE) | 8.8800% | 3,085 |
| Retained earnings to average equity (ytd only) | 8.8831% | 1,984 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.9381% | 911 |
| Assets per employee ($millions) | 2.9606% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8048% | 74 |
| Loan loss allowance to noncurrent loans | 20,000.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 3,884 |
| Noncurrent loans to loans | 0.0190% | 3,646 |
| Net loans and leases to total assets | 15.5300% | 4,550 |
| Net loans and leases to deposits | 16.7976% | 4,555 |
| Net loans and leases to core deposits | 16.9100% | 4,545 |
| Total domestic deposits to total assets | 92.4300% | 418 |
| Equity capital to assets | 7.4922% | 3,569 |
| Core capital (leverage) ratio | 10.2388% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $64,165,500 | 4,262 |
| Average earning assets | $57,971,500 | 4,263 |
| Average equity | $4,638,000 | 4,385 |
| Average total loans | $10,611,500 | 4,525 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1280% | 3,947 |
| Cost of funding earning assets | 0.1379% | 4,188 |
| Net interest margin | 2.9901% | 3,475 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.8755% | 1,166 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3197% | 4,347 |
| Return on assets (ROA) | 0.3197% | 4,315 |
| Pretax return on assets | 0.3197% | 4,362 |
| Return on Equity (ROE) | 3.8500% | 4,184 |
| Retained earnings to average equity (ytd only) | 2.5284% | 3,849 |
| Net charge-offs to loans | 0.0092% | 2,037 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 638 |
| Efficiency ratio | 89.9510% | 305 |
| Assets per employee ($millions) | 2.8726% | 4,545 |
| Cash dividends to net income (ytd only)* | 34.3137% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7348% | 72 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 3,850 |
| Noncurrent loans to loans | 0.0373% | 3,511 |
| Net loans and leases to total assets | 16.3100% | 4,573 |
| Net loans and leases to deposits | 17.5385% | 4,580 |
| Net loans and leases to core deposits | 17.5385% | 4,574 |
| Total domestic deposits to total assets | 93.0200% | 402 |
| Equity capital to assets | 6.9560% | 3,692 |
| Core capital (leverage) ratio | 10.1675% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $63,814,400 | 4,297 |
| Average earning assets | $55,115,200 | 4,321 |
| Average equity | $5,299,800 | 4,404 |
| Average total loans | $10,870,200 | 4,546 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9721% | 3,936 |
| Cost of funding earning assets | 0.1074% | 4,222 |
| Net interest margin | 2.8647% | 3,582 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.7158% | 1,436 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.3147% | 4,368 |
| Return on assets (ROA) | 0.3147% | 4,320 |
| Pretax return on assets | 0.3377% | 4,342 |
| Return on Equity (ROE) | 3.6400% | 4,215 |
| Retained earnings to average equity (ytd only) | 3.6435% | 3,571 |
| Net charge-offs to loans | -0.0489% | 4,303 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.1855% | 348 |
| Assets per employee ($millions) | 2.9110% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7690% | 76 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 15.9500% | 4,617 |
| Net loans and leases to deposits | 17.1195% | 4,625 |
| Net loans and leases to core deposits | 17.1195% | 4,615 |
| Total domestic deposits to total assets | 93.1500% | 541 |
| Equity capital to assets | 6.7829% | 3,625 |
| Core capital (leverage) ratio | 9.8786% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $63,968,750 | 4,329 |
| Average earning assets | $54,640,000 | 4,363 |
| Average equity | $5,525,750 | 4,415 |
| Average total loans | $10,910,250 | 4,580 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8532% | 3,885 |
| Cost of funding earning assets | 0.0928% | 4,266 |
| Net interest margin | 2.7604% | 3,551 |
| Noninterest income to average assets | 0.6130% | 1,683 |
| Noninterest expense to average assets | 2.5522% | 1,770 |
| Loan and lease loss provision to assets | -0.0125% | 4,409 |
| Net operating income to assets | 0.3691% | 4,170 |
| Return on assets (ROA) | 0.3691% | 4,127 |
| Pretax return on assets | 0.4004% | 4,156 |
| Return on Equity (ROE) | 3.9867% | 4,038 |
| Retained earnings to average equity (ytd only) | 3.9867% | 3,086 |
| Net charge-offs to loans | -0.0727% | 4,362 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8085% | 547 |
| Assets per employee ($millions) | 3.1325% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6393% | 85 |
| Loan loss allowance to noncurrent loans | 341.8803% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 2,467 |
| Noncurrent loans to loans | 1.0645% | 779 |
| Net loans and leases to total assets | 16.1001% | 4,677 |
| Net loans and leases to deposits | 17.4286% | 4,688 |
| Net loans and leases to core deposits | 17.4286% | 4,685 |
| Total domestic deposits to total assets | 92.3779% | 696 |
| Equity capital to assets | 7.5537% | 3,431 |
| Core capital (leverage) ratio | 9.7586% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,944,000 | 4,367 |
| Average earning assets | $53,905,000 | 4,424 |
| Average equity | $5,919,667 | 4,420 |
| Average total loans | $11,009,333 | 4,642 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8258% | 3,698 |
| Cost of funding earning assets | 0.0914% | 4,246 |
| Net interest margin | 2.7344% | 3,327 |
| Noninterest income to average assets | 0.6220% | 1,596 |
| Noninterest expense to average assets | 2.6339% | 1,513 |
| Loan and lease loss provision to assets | -0.0254% | 4,465 |
| Net operating income to assets | 0.2919% | 4,163 |
| Return on assets (ROA) | 0.2919% | 4,135 |
| Pretax return on assets | 0.2919% | 4,197 |
| Return on Equity (ROE) | 2.8772% | 4,116 |
| Retained earnings to average equity (ytd only) | 2.8772% | 3,306 |
| Net charge-offs to loans | -0.1452% | 4,543 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8096% | 512 |
| Assets per employee ($millions) | 2.9170% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6603% | 90 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 3,906 |
| Noncurrent loans to loans | 0.0915% | 3,382 |
| Net loans and leases to total assets | 16.4054% | 4,699 |
| Net loans and leases to deposits | 18.0769% | 4,707 |
| Net loans and leases to core deposits | 18.0769% | 4,708 |
| Total domestic deposits to total assets | 90.7533% | 1,157 |
| Equity capital to assets | 9.1688% | 2,556 |
| Core capital (leverage) ratio | 10.0629% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,025,000 | 4,406 |
| Average earning assets | $52,515,500 | 4,457 |
| Average equity | $6,395,000 | 4,423 |
| Average total loans | $11,018,500 | 4,667 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9991% | 3,872 |
| Cost of funding earning assets | 0.1086% | 4,318 |
| Net interest margin | 2.8905% | 3,470 |
| Noninterest income to average assets | 0.6812% | 1,830 |
| Noninterest expense to average assets | 2.9590% | 1,049 |
| Loan and lease loss provision to assets | 0.0116% | 2,851 |
| Net operating income to assets | 0.1313% | 4,600 |
| Return on assets (ROA) | 0.2077% | 4,545 |
| Pretax return on assets | 0.1313% | 4,618 |
| Return on Equity (ROE) | 1.7425% | 4,529 |
| Retained earnings to average equity (ytd only) | 1.7425% | 4,060 |
| Net charge-offs to loans | 0.0618% | 1,160 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 5.7143% | 2,432 |
| Efficiency ratio | 97.8034% | 172 |
| Assets per employee ($millions) | 2.8125% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6007% | 93 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 4,013 |
| Noncurrent loans to loans | 0.0720% | 3,574 |
| Net loans and leases to total assets | 17.3072% | 4,739 |
| Net loans and leases to deposits | 19.5178% | 4,746 |
| Net loans and leases to core deposits | 19.5178% | 4,745 |
| Total domestic deposits to total assets | 88.6741% | 1,684 |
| Equity capital to assets | 11.1610% | 1,692 |
| Core capital (leverage) ratio | 10.2631% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,188,400 | 4,451 |
| Average earning assets | $48,814,800 | 4,517 |
| Average equity | $7,173,400 | 4,408 |
| Average total loans | $11,325,000 | 4,708 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0236% | 3,960 |
| Cost of funding earning assets | 0.1160% | 4,379 |
| Net interest margin | 2.9077% | 3,535 |
| Noninterest income to average assets | 0.6737% | 1,913 |
| Noninterest expense to average assets | 2.8599% | 1,204 |
| Loan and lease loss provision to assets | 0.0017% | 2,938 |
| Net operating income to assets | 0.1405% | 4,667 |
| Return on assets (ROA) | 0.2298% | 4,622 |
| Pretax return on assets | 0.2632% | 4,619 |
| Return on Equity (ROE) | 1.8968% | 4,606 |
| Retained earnings to average equity (ytd only) | 1.8968% | 4,219 |
| Net charge-offs to loans | 0.0117% | 1,894 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 1,040 |
| Efficiency ratio | 94.6125% | 220 |
| Assets per employee ($millions) | 2.6097% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5205% | 103 |
| Loan loss allowance to noncurrent loans | 1,176.4706% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,742 |
| Noncurrent loans to loans | 0.2992% | 2,720 |
| Net loans and leases to total assets | 18.2627% | 4,809 |
| Net loans and leases to deposits | 20.8403% | 4,817 |
| Net loans and leases to core deposits | 20.8403% | 4,820 |
| Total domestic deposits to total assets | 87.6316% | 2,044 |
| Equity capital to assets | 12.0252% | 1,388 |
| Core capital (leverage) ratio | 10.0613% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,766,500 | 4,513 |
| Average earning assets | $48,285,000 | 4,586 |
| Average equity | $7,240,250 | 4,463 |
| Average total loans | $11,379,000 | 4,779 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0438% | 3,967 |
| Cost of funding earning assets | 0.1211% | 4,431 |
| Net interest margin | 2.9227% | 3,523 |
| Noninterest income to average assets | 0.6702% | 1,930 |
| Noninterest expense to average assets | 2.8284% | 1,295 |
| Loan and lease loss provision to assets | -0.0034% | 4,390 |
| Net operating income to assets | 0.1639% | 4,658 |
| Return on assets (ROA) | 0.2949% | 4,553 |
| Pretax return on assets | 0.3452% | 4,545 |
| Return on Equity (ROE) | 2.4284% | 4,552 |
| Retained earnings to average equity (ytd only) | 2.4284% | 4,013 |
| Net charge-offs to loans | -0.0176% | 3,929 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7778% | 258 |
| Assets per employee ($millions) | 2.9210% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5714% | 91 |
| Loan loss allowance to noncurrent loans | 416.6667% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 3,213 |
| Noncurrent loans to loans | 0.8571% | 1,438 |
| Net loans and leases to total assets | 17.6062% | 4,853 |
| Net loans and leases to deposits | 20.0189% | 4,857 |
| Net loans and leases to core deposits | 20.0189% | 4,858 |
| Total domestic deposits to total assets | 87.9479% | 1,854 |
| Equity capital to assets | 11.7261% | 1,503 |
| Core capital (leverage) ratio | 10.2822% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,680,667 | 4,543 |
| Average earning assets | $47,901,000 | 4,622 |
| Average equity | $7,247,667 | 4,487 |
| Average total loans | $11,384,667 | 4,815 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0582% | 3,969 |
| Cost of funding earning assets | 0.1348% | 4,415 |
| Net interest margin | 2.9234% | 3,457 |
| Noninterest income to average assets | 0.6797% | 1,927 |
| Noninterest expense to average assets | 2.9023% | 1,150 |
| Loan and lease loss provision to assets | -0.0068% | 4,568 |
| Net operating income to assets | 0.1064% | 4,707 |
| Return on assets (ROA) | 0.3534% | 4,471 |
| Pretax return on assets | 0.4554% | 4,410 |
| Return on Equity (ROE) | 2.8591% | 4,498 |
| Retained earnings to average equity (ytd only) | 2.8591% | 3,822 |
| Net charge-offs to loans | -0.0349% | 4,240 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5257% | 256 |
| Assets per employee ($millions) | 2.7372% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4941% | 98 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,327 |
| Noncurrent loans to loans | 0.0437% | 4,073 |
| Net loans and leases to total assets | 18.3464% | 4,873 |
| Net loans and leases to deposits | 20.8819% | 4,879 |
| Net loans and leases to core deposits | 20.8819% | 4,881 |
| Total domestic deposits to total assets | 87.8577% | 1,912 |
| Equity capital to assets | 11.8368% | 1,372 |
| Core capital (leverage) ratio | 10.4065% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,850,000 | 4,570 |
| Average earning assets | $47,478,500 | 4,647 |
| Average equity | $7,275,000 | 4,503 |
| Average total loans | $11,477,000 | 4,839 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2559% | 4,386 |
| Cost of funding earning assets | 0.2145% | 4,532 |
| Net interest margin | 3.0414% | 3,780 |
| Noninterest income to average assets | 0.6749% | 1,937 |
| Noninterest expense to average assets | 3.1859% | 1,081 |
| Loan and lease loss provision to assets | 0.0036% | 4,293 |
| Net operating income to assets | 0.1454% | 4,630 |
| Return on assets (ROA) | 0.1454% | 4,677 |
| Pretax return on assets | 0.0556% | 4,727 |
| Return on Equity (ROE) | 1.1259% | 4,667 |
| Retained earnings to average equity (ytd only) | 1.1259% | 4,178 |
| Net charge-offs to loans | 0.0170% | 2,751 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 2,126 |
| Efficiency ratio | 98.1748% | 197 |
| Assets per employee ($millions) | 2.2992% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4764% | 90 |
| Loan loss allowance to noncurrent loans | 310.0775% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 3,159 |
| Noncurrent loans to loans | 1.1212% | 1,265 |
| Net loans and leases to total assets | 19.3212% | 4,889 |
| Net loans and leases to deposits | 22.3066% | 4,892 |
| Net loans and leases to core deposits | 22.3066% | 4,894 |
| Total domestic deposits to total assets | 86.6164% | 2,106 |
| Equity capital to assets | 12.9121% | 1,125 |
| Core capital (leverage) ratio | 10.7637% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,715,000 | 4,576 |
| Average earning assets | $47,084,200 | 4,636 |
| Average equity | $7,194,400 | 4,504 |
| Average total loans | $11,745,600 | 4,863 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2981% | 4,471 |
| Cost of funding earning assets | 0.2301% | 4,569 |
| Net interest margin | 3.0680% | 3,816 |
| Noninterest income to average assets | 0.6754% | 1,877 |
| Noninterest expense to average assets | 3.0707% | 1,286 |
| Loan and lease loss provision to assets | 0.0018% | 4,228 |
| Net operating income to assets | 0.1954% | 4,602 |
| Return on assets (ROA) | 0.1954% | 4,642 |
| Pretax return on assets | 0.2074% | 4,650 |
| Return on Equity (ROE) | 1.5131% | 4,619 |
| Retained earnings to average equity (ytd only) | 1.5131% | 4,079 |
| Net charge-offs to loans | 0.0113% | 2,700 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 870 |
| Efficiency ratio | 93.6029% | 267 |
| Assets per employee ($millions) | 2.2802% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5597% | 86 |
| Loan loss allowance to noncurrent loans | 300.7519% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 3,274 |
| Noncurrent loans to loans | 1.1836% | 1,287 |
| Net loans and leases to total assets | 19.0106% | 4,937 |
| Net loans and leases to deposits | 22.0076% | 4,942 |
| Net loans and leases to core deposits | 22.0076% | 4,945 |
| Total domestic deposits to total assets | 86.3819% | 1,904 |
| Equity capital to assets | 13.0918% | 1,140 |
| Core capital (leverage) ratio | 10.8162% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,273,500 | 4,600 |
| Average earning assets | $46,934,750 | 4,653 |
| Average equity | $7,137,500 | 4,530 |
| Average total loans | $11,805,500 | 4,893 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3670% | 4,576 |
| Cost of funding earning assets | 0.2485% | 4,628 |
| Net interest margin | 3.1186% | 3,865 |
| Noninterest income to average assets | 0.6947% | 1,755 |
| Noninterest expense to average assets | 3.0496% | 1,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2889% | 4,441 |
| Return on assets (ROA) | 0.2889% | 4,476 |
| Pretax return on assets | 0.3072% | 4,525 |
| Return on Equity (ROE) | 2.2478% | 4,485 |
| Retained earnings to average equity (ytd only) | 2.2478% | 3,663 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8497% | 371 |
| Assets per employee ($millions) | 2.3452% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4774% | 93 |
| Loan loss allowance to noncurrent loans | 298.5075% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 3,409 |
| Noncurrent loans to loans | 1.1649% | 1,348 |
| Net loans and leases to total assets | 18.9371% | 4,967 |
| Net loans and leases to deposits | 21.7924% | 4,978 |
| Net loans and leases to core deposits | 21.7924% | 4,979 |
| Total domestic deposits to total assets | 86.8977% | 1,664 |
| Equity capital to assets | 12.6162% | 1,333 |
| Core capital (leverage) ratio | 11.0746% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,696,333 | 4,620 |
| Average earning assets | $46,688,333 | 4,679 |
| Average equity | $7,029,000 | 4,561 |
| Average total loans | $11,995,000 | 4,921 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5994% | 4,522 |
| Cost of funding earning assets | 0.2869% | 4,696 |
| Net interest margin | 3.3125% | 3,560 |
| Noninterest income to average assets | 0.8193% | 1,256 |
| Noninterest expense to average assets | 3.2316% | 1,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4400% | 4,046 |
| Return on assets (ROA) | 0.4400% | 4,093 |
| Pretax return on assets | 0.4779% | 4,153 |
| Return on Equity (ROE) | 3.3893% | 4,120 |
| Retained earnings to average equity (ytd only) | 3.3893% | 2,924 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1166% | 623 |
| Assets per employee ($millions) | 2.2516% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3234% | 108 |
| Loan loss allowance to noncurrent loans | 197.0443% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 2,938 |
| Noncurrent loans to loans | 1.6866% | 904 |
| Net loans and leases to total assets | 21.5330% | 4,998 |
| Net loans and leases to deposits | 24.8410% | 5,010 |
| Net loans and leases to core deposits | 24.8410% | 5,009 |
| Total domestic deposits to total assets | 86.6834% | 1,696 |
| Equity capital to assets | 12.9835% | 1,437 |
| Core capital (leverage) ratio | 11.6461% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,729,000 | 4,672 |
| Average earning assets | $46,008,000 | 4,705 |
| Average equity | $6,845,000 | 4,617 |
| Average total loans | $12,241,000 | 4,959 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7736% | 4,598 |
| Cost of funding earning assets | 0.3648% | 4,553 |
| Net interest margin | 3.4089% | 3,721 |
| Noninterest income to average assets | 0.8582% | 1,279 |
| Noninterest expense to average assets | 3.5494% | 904 |
| Loan and lease loss provision to assets | 0.0117% | 3,780 |
| Net operating income to assets | 0.3281% | 4,714 |
| Return on assets (ROA) | 0.3281% | 4,740 |
| Pretax return on assets | 0.2913% | 4,824 |
| Return on Equity (ROE) | 2.5572% | 4,734 |
| Retained earnings to average equity (ytd only) | -0.8474% | 4,795 |
| Net charge-offs to loans | 0.0450% | 2,484 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,710 |
| Efficiency ratio | 92.1371% | 289 |
| Assets per employee ($millions) | 2.0568% | 5,076 |
| Cash dividends to net income (ytd only)* | 133.1361% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2139% | 104 |
| Loan loss allowance to noncurrent loans | 769.2308% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 4,118 |
| Noncurrent loans to loans | 0.4178% | 2,946 |
| Net loans and leases to total assets | 23.4267% | 5,042 |
| Net loans and leases to deposits | 26.9389% | 5,058 |
| Net loans and leases to core deposits | 26.9389% | 5,063 |
| Total domestic deposits to total assets | 86.9623% | 1,629 |
| Equity capital to assets | 12.9794% | 1,539 |
| Core capital (leverage) ratio | 12.3769% | 1,551 |
| Tier 1 risk-based capital ratio | 33.8903% | 359 |
| Total risk-based capital ratio | 35.1489% | 351 |
| Memoranda: | ||
| Average total assets | $51,501,000 | 4,728 |
| Average earning assets | $45,235,000 | 4,760 |
| Average equity | $6,608,800 | 4,683 |
| Average total loans | $13,346,600 | 4,995 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 4,652 |
| Cost of funding earning assets | 0.3789% | 4,567 |
| Net interest margin | 3.4398% | 3,758 |
| Noninterest income to average assets | 0.8566% | 1,248 |
| Noninterest expense to average assets | 3.4186% | 1,053 |
| Loan and lease loss provision to assets | 0.0078% | 3,729 |
| Net operating income to assets | 0.4270% | 4,667 |
| Return on assets (ROA) | 0.4270% | 4,701 |
| Pretax return on assets | 0.4606% | 4,742 |
| Return on Equity (ROE) | 3.3370% | 4,708 |
| Retained earnings to average equity (ytd only) | 3.3370% | 3,737 |
| Net charge-offs to loans | 0.0295% | 2,494 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 60.3325% | 1,048 |
| Efficiency ratio | 87.9494% | 400 |
| Assets per employee ($millions) | 1.9803% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1230% | 120 |
| Loan loss allowance to noncurrent loans | 6,666.6667% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 4,700 |
| Noncurrent loans to loans | 0.0468% | 4,435 |
| Net loans and leases to total assets | 24.0988% | 5,128 |
| Net loans and leases to deposits | 27.8900% | 5,136 |
| Net loans and leases to core deposits | 27.8900% | 5,143 |
| Total domestic deposits to total assets | 86.4065% | 1,814 |
| Equity capital to assets | 13.5041% | 1,360 |
| Core capital (leverage) ratio | 12.7392% | 1,467 |
| Tier 1 risk-based capital ratio | 34.1805% | 369 |
| Total risk-based capital ratio | 35.4385% | 363 |
| Memoranda: | ||
| Average total assets | $51,521,250 | 4,794 |
| Average earning assets | $45,389,000 | 4,826 |
| Average equity | $6,592,500 | 4,743 |
| Average total loans | $13,571,750 | 5,068 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8286% | 4,676 |
| Cost of funding earning assets | 0.3851% | 4,559 |
| Net interest margin | 3.4435% | 3,758 |
| Noninterest income to average assets | 0.8616% | 1,173 |
| Noninterest expense to average assets | 3.3920% | 1,120 |
| Loan and lease loss provision to assets | -0.0039% | 5,100 |
| Net operating income to assets | 0.4502% | 4,641 |
| Return on assets (ROA) | 0.4502% | 4,667 |
| Pretax return on assets | 0.4929% | 4,709 |
| Return on Equity (ROE) | 3.5845% | 4,671 |
| Retained earnings to average equity (ytd only) | 3.5845% | 3,457 |
| Net charge-offs to loans | -0.0145% | 4,439 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4000% | 469 |
| Assets per employee ($millions) | 1.9454% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8990% | 142 |
| Loan loss allowance to noncurrent loans | 1,379.3103% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 4,492 |
| Noncurrent loans to loans | 0.2102% | 3,790 |
| Net loans and leases to total assets | 25.5069% | 5,159 |
| Net loans and leases to deposits | 29.3218% | 5,174 |
| Net loans and leases to core deposits | 29.3218% | 5,184 |
| Total domestic deposits to total assets | 86.9895% | 1,597 |
| Equity capital to assets | 12.9286% | 1,618 |
| Core capital (leverage) ratio | 12.7051% | 1,437 |
| Tier 1 risk-based capital ratio | 31.3919% | 441 |
| Total risk-based capital ratio | 32.6464% | 434 |
| Memoranda: | ||
| Average total assets | $51,532,330 | 4,829 |
| Average earning assets | $45,186,330 | 4,870 |
| Average equity | $6,472,330 | 4,785 |
| Average total loans | $13,826,330 | 5,110 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8384% | 4,642 |
| Cost of funding earning assets | 0.3829% | 4,563 |
| Net interest margin | 3.4555% | 3,735 |
| Noninterest income to average assets | 0.9013% | 1,037 |
| Noninterest expense to average assets | 3.4721% | 1,007 |
| Loan and lease loss provision to assets | -0.0078% | 5,203 |
| Net operating income to assets | 0.4389% | 4,655 |
| Return on assets (ROA) | 0.4389% | 4,673 |
| Pretax return on assets | 0.4781% | 4,732 |
| Return on Equity (ROE) | 3.5482% | 4,670 |
| Retained earnings to average equity (ytd only) | 3.5482% | 3,492 |
| Net charge-offs to loans | -0.0289% | 4,630 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0716% | 478 |
| Assets per employee ($millions) | 1.9965% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8723% | 150 |
| Loan loss allowance to noncurrent loans | 1,052.6316% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 4,449 |
| Noncurrent loans to loans | 0.2729% | 3,587 |
| Net loans and leases to total assets | 26.0571% | 5,209 |
| Net loans and leases to deposits | 29.7693% | 5,225 |
| Net loans and leases to core deposits | 29.7693% | 5,237 |
| Total domestic deposits to total assets | 87.5301% | 1,561 |
| Equity capital to assets | 12.4160% | 1,789 |
| Core capital (leverage) ratio | 12.8518% | 1,341 |
| Tier 1 risk-based capital ratio | 26.3571% | 664 |
| Total risk-based capital ratio | 27.6100% | 650 |
| Memoranda: | ||
| Average total assets | $51,035,000 | 4,882 |
| Average earning assets | $44,914,500 | 4,922 |
| Average equity | $6,313,000 | 4,843 |
| Average total loans | $13,840,500 | 5,167 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 4,616 |
| Cost of funding earning assets | 0.2991% | 4,573 |
| Net interest margin | 3.4343% | 3,894 |
| Noninterest income to average assets | 0.9386% | 1,085 |
| Noninterest expense to average assets | 3.6119% | 859 |
| Loan and lease loss provision to assets | 0.0176% | 3,806 |
| Net operating income to assets | 0.3512% | 4,944 |
| Return on assets (ROA) | 0.3512% | 4,941 |
| Pretax return on assets | 0.3337% | 5,018 |
| Return on Equity (ROE) | 2.8929% | 4,918 |
| Retained earnings to average equity (ytd only) | 0.4821% | 4,856 |
| Net charge-offs to loans | 0.0643% | 2,201 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 2,023 |
| Efficiency ratio | 91.1374% | 304 |
| Assets per employee ($millions) | 1.9293% | 5,320 |
| Cash dividends to net income (ytd only)* | 83.3333% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9080% | 144 |
| Loan loss allowance to noncurrent loans | 555.5556% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 4,110 |
| Noncurrent loans to loans | 0.5234% | 2,703 |
| Net loans and leases to total assets | 26.6243% | 5,247 |
| Net loans and leases to deposits | 30.3799% | 5,263 |
| Net loans and leases to core deposits | 30.3799% | 5,275 |
| Total domestic deposits to total assets | 87.6378% | 1,474 |
| Equity capital to assets | 12.3223% | 1,683 |
| Core capital (leverage) ratio | 13.0335% | 1,237 |
| Tier 1 risk-based capital ratio | 30.7667% | 439 |
| Total risk-based capital ratio | 32.0230% | 431 |
| Memoranda: | ||
| Average total assets | $51,247,800 | 4,909 |
| Average earning assets | $45,132,800 | 4,952 |
| Average equity | $6,222,200 | 4,861 |
| Average total loans | $13,989,400 | 5,212 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6966% | 4,659 |
| Cost of funding earning assets | 0.2789% | 4,640 |
| Net interest margin | 3.4177% | 3,954 |
| Noninterest income to average assets | 0.9135% | 1,161 |
| Noninterest expense to average assets | 3.4472% | 1,055 |
| Loan and lease loss provision to assets | 0.0129% | 3,738 |
| Net operating income to assets | 0.4270% | 4,902 |
| Return on assets (ROA) | 0.4270% | 4,910 |
| Pretax return on assets | 0.4658% | 4,950 |
| Return on Equity (ROE) | 3.5297% | 4,919 |
| Retained earnings to average equity (ytd only) | 3.5297% | 4,006 |
| Net charge-offs to loans | 0.0475% | 2,145 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 36.9805% | 1,414 |
| Efficiency ratio | 87.8049% | 413 |
| Assets per employee ($millions) | 1.9129% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9364% | 150 |
| Loan loss allowance to noncurrent loans | 727.2727% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 4,415 |
| Noncurrent loans to loans | 0.4038% | 3,204 |
| Net loans and leases to total assets | 26.5849% | 5,315 |
| Net loans and leases to deposits | 30.4577% | 5,333 |
| Net loans and leases to core deposits | 30.4577% | 5,342 |
| Total domestic deposits to total assets | 87.2846% | 1,605 |
| Equity capital to assets | 12.4560% | 1,620 |
| Core capital (leverage) ratio | 13.0440% | 1,264 |
| Tier 1 risk-based capital ratio | 31.6972% | 405 |
| Total risk-based capital ratio | 32.9507% | 405 |
| Memoranda: | ||
| Average total assets | $51,519,500 | 4,963 |
| Average earning assets | $45,409,750 | 4,999 |
| Average equity | $6,232,500 | 4,914 |
| Average total loans | $14,048,000 | 5,279 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6174% | 4,740 |
| Cost of funding earning assets | 0.2612% | 4,695 |
| Net interest margin | 3.3562% | 4,088 |
| Noninterest income to average assets | 0.9134% | 1,146 |
| Noninterest expense to average assets | 3.3772% | 1,164 |
| Loan and lease loss provision to assets | 0.0192% | 3,516 |
| Net operating income to assets | 0.4413% | 4,871 |
| Return on assets (ROA) | 0.4413% | 4,876 |
| Pretax return on assets | 0.4759% | 4,943 |
| Return on Equity (ROE) | 3.6829% | 4,891 |
| Retained earnings to average equity (ytd only) | 3.6829% | 3,755 |
| Net charge-offs to loans | 0.0705% | 1,635 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 25.8000% | 1,625 |
| Efficiency ratio | 87.2151% | 510 |
| Assets per employee ($millions) | 1.9578% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9201% | 158 |
| Loan loss allowance to noncurrent loans | 714.2857% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 4,460 |
| Noncurrent loans to loans | 0.4088% | 3,232 |
| Net loans and leases to total assets | 25.1565% | 5,398 |
| Net loans and leases to deposits | 28.5647% | 5,411 |
| Net loans and leases to core deposits | 28.5647% | 5,417 |
| Total domestic deposits to total assets | 88.0687% | 1,340 |
| Equity capital to assets | 11.7175% | 2,049 |
| Core capital (leverage) ratio | 12.5139% | 1,430 |
| Tier 1 risk-based capital ratio | 26.1456% | 661 |
| Total risk-based capital ratio | 27.3990% | 646 |
| Memoranda: | ||
| Average total assets | $52,114,330 | 5,012 |
| Average earning assets | $45,945,000 | 5,044 |
| Average equity | $6,245,000 | 4,965 |
| Average total loans | $14,190,000 | 5,337 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5920% | 4,721 |
| Cost of funding earning assets | 0.2435% | 4,751 |
| Net interest margin | 3.3485% | 4,055 |
| Noninterest income to average assets | 0.9277% | 1,077 |
| Noninterest expense to average assets | 3.4402% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4252% | 4,874 |
| Return on assets (ROA) | 0.4252% | 4,881 |
| Pretax return on assets | 0.4638% | 4,936 |
| Return on Equity (ROE) | 3.5085% | 4,889 |
| Retained earnings to average equity (ytd only) | 3.5085% | 3,801 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1188% | 531 |
| Assets per employee ($millions) | 2.0335% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7649% | 198 |
| Loan loss allowance to noncurrent loans | 197.0443% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 3,299 |
| Noncurrent loans to loans | 1.4032% | 1,272 |
| Net loans and leases to total assets | 26.6058% | 5,434 |
| Net loans and leases to deposits | 30.2029% | 5,447 |
| Net loans and leases to core deposits | 30.2029% | 5,461 |
| Total domestic deposits to total assets | 88.0901% | 1,567 |
| Equity capital to assets | 11.7245% | 1,975 |
| Core capital (leverage) ratio | 12.5875% | 1,354 |
| Tier 1 risk-based capital ratio | 23.6146% | 881 |
| Total risk-based capital ratio | 24.8663% | 860 |
| Memoranda: | ||
| Average total assets | $51,741,000 | 5,083 |
| Average earning assets | $45,991,000 | 5,106 |
| Average equity | $6,270,500 | 5,013 |
| Average total loans | $14,436,000 | 5,391 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4896% | 4,801 |
| Cost of funding earning assets | 0.2152% | 4,823 |
| Net interest margin | 3.2744% | 4,236 |
| Noninterest income to average assets | 1.0108% | 996 |
| Noninterest expense to average assets | 3.6748% | 822 |
| Loan and lease loss provision to assets | 0.0118% | 4,051 |
| Net operating income to assets | 0.3545% | 4,817 |
| Return on assets (ROA) | 0.3624% | 4,822 |
| Pretax return on assets | 0.2233% | 5,284 |
| Return on Equity (ROE) | 2.8785% | 4,866 |
| Retained earnings to average equity (ytd only) | 1.1670% | 4,562 |
| Net charge-offs to loans | 0.0442% | 2,904 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 2,026 |
| Efficiency ratio | 94.1767% | 291 |
| Assets per employee ($millions) | 1.9465% | 5,573 |
| Cash dividends to net income (ytd only)* | 59.4595% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7768% | 183 |
| Loan loss allowance to noncurrent loans | 158.1028% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 2,886 |
| Noncurrent loans to loans | 1.7563% | 914 |
| Net loans and leases to total assets | 27.6724% | 5,476 |
| Net loans and leases to deposits | 31.7027% | 5,497 |
| Net loans and leases to core deposits | 31.7027% | 5,509 |
| Total domestic deposits to total assets | 87.2871% | 1,864 |
| Equity capital to assets | 12.5311% | 1,499 |
| Core capital (leverage) ratio | 12.5809% | 1,317 |
| Tier 1 risk-based capital ratio | 26.1841% | 649 |
| Total risk-based capital ratio | 27.4373% | 643 |
| Memoranda: | ||
| Average total assets | $51,051,000 | 5,138 |
| Average earning assets | $45,076,400 | 5,172 |
| Average equity | $6,427,000 | 5,037 |
| Average total loans | $13,564,000 | 5,475 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4543% | 4,889 |
| Cost of funding earning assets | 0.2129% | 4,868 |
| Net interest margin | 3.2414% | 4,355 |
| Noninterest income to average assets | 1.0059% | 1,011 |
| Noninterest expense to average assets | 3.5234% | 956 |
| Loan and lease loss provision to assets | 0.0104% | 3,928 |
| Net operating income to assets | 0.3182% | 5,185 |
| Return on assets (ROA) | 0.3284% | 5,187 |
| Pretax return on assets | 0.3388% | 5,276 |
| Return on Equity (ROE) | 2.6054% | 5,198 |
| Retained earnings to average equity (ytd only) | 2.6054% | 4,329 |
| Net charge-offs to loans | 0.0399% | 2,640 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 32.5197% | 1,483 |
| Efficiency ratio | 91.2281% | 368 |
| Assets per employee ($millions) | 1.9039% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9518% | 161 |
| Loan loss allowance to noncurrent loans | 307.6923% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 4,049 |
| Noncurrent loans to loans | 0.9593% | 2,008 |
| Net loans and leases to total assets | 25.5836% | 5,577 |
| Net loans and leases to deposits | 29.3661% | 5,599 |
| Net loans and leases to core deposits | 29.3661% | 5,612 |
| Total domestic deposits to total assets | 87.1197% | 1,814 |
| Equity capital to assets | 12.6975% | 1,545 |
| Core capital (leverage) ratio | 12.6489% | 1,355 |
| Tier 1 risk-based capital ratio | 26.4228% | 652 |
| Total risk-based capital ratio | 27.6734% | 641 |
| Memoranda: | ||
| Average total assets | $51,161,250 | 5,192 |
| Average earning assets | $45,082,250 | 5,224 |
| Average equity | $6,448,250 | 5,085 |
| Average total loans | $13,353,750 | 5,541 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4293% | 4,918 |
| Cost of funding earning assets | 0.2141% | 4,854 |
| Net interest margin | 3.2152% | 4,369 |
| Noninterest income to average assets | 1.0141% | 989 |
| Noninterest expense to average assets | 3.4925% | 1,025 |
| Loan and lease loss provision to assets | 0.0157% | 3,640 |
| Net operating income to assets | 0.3289% | 5,154 |
| Return on assets (ROA) | 0.3446% | 5,132 |
| Pretax return on assets | 0.3446% | 5,272 |
| Return on Equity (ROE) | 2.7406% | 5,186 |
| Retained earnings to average equity (ytd only) | 2.7406% | 4,067 |
| Net charge-offs to loans | 0.0602% | 2,068 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,727 |
| Efficiency ratio | 91.0204% | 398 |
| Assets per employee ($millions) | 1.8371% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9715% | 167 |
| Loan loss allowance to noncurrent loans | 163.2653% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 3,193 |
| Noncurrent loans to loans | 1.8201% | 986 |
| Net loans and leases to total assets | 25.3907% | 5,621 |
| Net loans and leases to deposits | 29.1332% | 5,641 |
| Net loans and leases to core deposits | 29.1332% | 5,657 |
| Total domestic deposits to total assets | 87.1540% | 1,877 |
| Equity capital to assets | 12.6691% | 1,535 |
| Core capital (leverage) ratio | 12.4349% | 1,396 |
| Tier 1 risk-based capital ratio | 27.1781% | 601 |
| Total risk-based capital ratio | 28.4299% | 588 |
| Memoranda: | ||
| Average total assets | $51,080,330 | 5,231 |
| Average earning assets | $44,849,330 | 5,272 |
| Average equity | $6,422,000 | 5,120 |
| Average total loans | $13,288,000 | 5,590 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3565% | 5,021 |
| Cost of funding earning assets | 0.2070% | 4,912 |
| Net interest margin | 3.1495% | 4,505 |
| Noninterest income to average assets | 1.0373% | 935 |
| Noninterest expense to average assets | 3.6149% | 884 |
| Loan and lease loss provision to assets | -0.0314% | 5,692 |
| Net operating income to assets | 0.2043% | 5,390 |
| Return on assets (ROA) | 0.2043% | 5,403 |
| Pretax return on assets | 0.2043% | 5,430 |
| Return on Equity (ROE) | 1.6315% | 5,396 |
| Retained earnings to average equity (ytd only) | 1.6315% | 4,451 |
| Net charge-offs to loans | -0.1212% | 5,506 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4357% | 333 |
| Assets per employee ($millions) | 1.7966% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0159% | 169 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 4,968 |
| Noncurrent loans to loans | 0.3016% | 4,034 |
| Net loans and leases to total assets | 24.6891% | 5,690 |
| Net loans and leases to deposits | 28.2052% | 5,702 |
| Net loans and leases to core deposits | 28.2052% | 5,716 |
| Total domestic deposits to total assets | 87.5336% | 1,969 |
| Equity capital to assets | 12.2937% | 1,666 |
| Core capital (leverage) ratio | 12.5751% | 1,300 |
| Tier 1 risk-based capital ratio | 28.1968% | 550 |
| Total risk-based capital ratio | 29.4507% | 536 |
| Memoranda: | ||
| Average total assets | $50,900,500 | 5,295 |
| Average earning assets | $44,451,000 | 5,337 |
| Average equity | $6,374,500 | 5,182 |
| Average total loans | $13,201,500 | 5,652 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4293% | 4,925 |
| Cost of funding earning assets | 0.2146% | 4,888 |
| Net interest margin | 3.2147% | 4,400 |
| Noninterest income to average assets | 0.9820% | 1,196 |
| Noninterest expense to average assets | 3.6426% | 957 |
| Loan and lease loss provision to assets | 0.0424% | 3,533 |
| Net operating income to assets | 0.1023% | 5,557 |
| Return on assets (ROA) | 0.1023% | 5,591 |
| Pretax return on assets | 0.0424% | 5,634 |
| Return on Equity (ROE) | 0.8095% | 5,593 |
| Retained earnings to average equity (ytd only) | 0.4277% | 5,153 |
| Net charge-offs to loans | 0.1650% | 1,638 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,904 |
| Efficiency ratio | 97.7226% | 253 |
| Assets per employee ($millions) | 1.7750% | 5,818 |
| Cash dividends to net income (ytd only)* | 47.1698% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0441% | 167 |
| Loan loss allowance to noncurrent loans | 677.9661% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 4,837 |
| Noncurrent loans to loans | 0.4490% | 3,541 |
| Net loans and leases to total assets | 25.6333% | 5,737 |
| Net loans and leases to deposits | 29.4464% | 5,743 |
| Net loans and leases to core deposits | 29.6665% | 5,754 |
| Total domestic deposits to total assets | 87.0506% | 2,118 |
| Equity capital to assets | 12.7643% | 1,366 |
| Core capital (leverage) ratio | 12.7065% | 1,250 |
| Tier 1 risk-based capital ratio | 30.5124% | 461 |
| Total risk-based capital ratio | 31.7693% | 455 |
| Memoranda: | ||
| Average total assets | $51,831,000 | 5,310 |
| Average earning assets | $44,265,600 | 5,371 |
| Average equity | $6,547,400 | 5,176 |
| Average total loans | $13,337,000 | 5,703 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4482% | 4,925 |
| Cost of funding earning assets | 0.2155% | 4,919 |
| Net interest margin | 3.2327% | 4,393 |
| Noninterest income to average assets | 0.9854% | 1,174 |
| Noninterest expense to average assets | 3.5189% | 1,116 |
| Loan and lease loss provision to assets | 0.0255% | 3,734 |
| Net operating income to assets | 0.1910% | 5,482 |
| Return on assets (ROA) | 0.1910% | 5,546 |
| Pretax return on assets | 0.1910% | 5,577 |
| Return on Equity (ROE) | 1.5156% | 5,556 |
| Retained earnings to average equity (ytd only) | 1.5156% | 4,904 |
| Net charge-offs to loans | 0.0996% | 1,952 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 8.5019% | 2,757 |
| Efficiency ratio | 94.2059% | 378 |
| Assets per employee ($millions) | 1.7346% | 5,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8367% | 232 |
| Loan loss allowance to noncurrent loans | 416.6667% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 4,670 |
| Noncurrent loans to loans | 0.6808% | 2,986 |
| Net loans and leases to total assets | 27.2369% | 5,772 |
| Net loans and leases to deposits | 31.4900% | 5,795 |
| Net loans and leases to core deposits | 31.9289% | 5,805 |
| Total domestic deposits to total assets | 86.4938% | 2,130 |
| Equity capital to assets | 13.3014% | 1,344 |
| Core capital (leverage) ratio | 12.4400% | 1,422 |
| Tier 1 risk-based capital ratio | 22.5969% | 1,054 |
| Total risk-based capital ratio | 23.8456% | 1,038 |
| Memoranda: | ||
| Average total assets | $52,363,500 | 5,353 |
| Average earning assets | $44,543,500 | 5,423 |
| Average equity | $6,598,250 | 5,217 |
| Average total loans | $13,386,250 | 5,762 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3882% | 5,108 |
| Cost of funding earning assets | 0.2140% | 5,000 |
| Net interest margin | 3.1742% | 4,627 |
| Noninterest income to average assets | 0.9840% | 1,158 |
| Noninterest expense to average assets | 3.3742% | 1,420 |
| Loan and lease loss provision to assets | 0.0113% | 3,874 |
| Net operating income to assets | 0.2828% | 5,364 |
| Return on assets (ROA) | 0.2828% | 5,448 |
| Pretax return on assets | 0.2828% | 5,522 |
| Return on Equity (ROE) | 2.2840% | 5,440 |
| Retained earnings to average equity (ytd only) | 2.2840% | 4,424 |
| Net charge-offs to loans | 0.0456% | 2,562 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,498 |
| Efficiency ratio | 91.9836% | 496 |
| Assets per employee ($millions) | 1.7424% | 5,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0098% | 191 |
| Loan loss allowance to noncurrent loans | 412.3711% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 4,747 |
| Noncurrent loans to loans | 0.7299% | 2,912 |
| Net loans and leases to total assets | 24.6595% | 5,889 |
| Net loans and leases to deposits | 28.3534% | 5,901 |
| Net loans and leases to core deposits | 28.5145% | 5,910 |
| Total domestic deposits to total assets | 86.9720% | 1,930 |
| Equity capital to assets | 12.8271% | 1,599 |
| Core capital (leverage) ratio | 11.9500% | 1,660 |
| Tier 1 risk-based capital ratio | 30.9487% | 460 |
| Total risk-based capital ratio | 32.2046% | 450 |
| Memoranda: | ||
| Average total assets | $53,050,330 | 5,400 |
| Average earning assets | $44,861,000 | 5,483 |
| Average equity | $6,567,330 | 5,273 |
| Average total loans | $13,148,000 | 5,838 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4251% | 5,067 |
| Cost of funding earning assets | 0.2180% | 5,025 |
| Net interest margin | 3.2071% | 4,561 |
| Noninterest income to average assets | 0.9955% | 1,084 |
| Noninterest expense to average assets | 3.3908% | 1,397 |
| Loan and lease loss provision to assets | -0.0150% | 5,898 |
| Net operating income to assets | 0.2620% | 5,404 |
| Return on assets (ROA) | 0.2620% | 5,470 |
| Pretax return on assets | 0.2620% | 5,563 |
| Return on Equity (ROE) | 2.1543% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.1543% | 4,395 |
| Net charge-offs to loans | -0.0612% | 5,430 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2099% | 491 |
| Assets per employee ($millions) | 1.9323% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0326% | 218 |
| Loan loss allowance to noncurrent loans | 317.4603% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 4,629 |
| Noncurrent loans to loans | 0.9553% | 2,468 |
| Net loans and leases to total assets | 23.6397% | 5,948 |
| Net loans and leases to deposits | 26.9706% | 5,964 |
| Net loans and leases to core deposits | 27.1176% | 5,973 |
| Total domestic deposits to total assets | 87.6497% | 1,831 |
| Equity capital to assets | 12.1765% | 1,905 |
| Core capital (leverage) ratio | 11.9143% | 1,667 |
| Tier 1 risk-based capital ratio | 30.0373% | 508 |
| Total risk-based capital ratio | 31.2922% | 501 |
| Memoranda: | ||
| Average total assets | $53,439,500 | 5,439 |
| Average earning assets | $44,028,000 | 5,551 |
| Average equity | $6,498,500 | 5,321 |
| Average total loans | $13,077,000 | 5,897 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 4,885 |
| Cost of funding earning assets | 0.2205% | 5,091 |
| Net interest margin | 3.2926% | 4,319 |
| Noninterest income to average assets | 0.9689% | 1,261 |
| Noninterest expense to average assets | 3.5345% | 1,239 |
| Loan and lease loss provision to assets | -0.0341% | 5,703 |
| Net operating income to assets | 0.0967% | 5,761 |
| Return on assets (ROA) | 0.0967% | 5,803 |
| Pretax return on assets | 0.0455% | 5,851 |
| Return on Equity (ROE) | 0.7926% | 5,803 |
| Retained earnings to average equity (ytd only) | 0.5595% | 5,294 |
| Net charge-offs to loans | -0.1347% | 5,862 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6791% | 293 |
| Assets per employee ($millions) | 1.8848% | 6,069 |
| Cash dividends to net income (ytd only)* | 29.4118% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0855% | 204 |
| Loan loss allowance to noncurrent loans | 666.6667% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 5,133 |
| Noncurrent loans to loans | 0.4628% | 3,809 |
| Net loans and leases to total assets | 23.8067% | 6,004 |
| Net loans and leases to deposits | 27.1531% | 6,022 |
| Net loans and leases to core deposits | 27.3041% | 6,028 |
| Total domestic deposits to total assets | 87.6760% | 1,806 |
| Equity capital to assets | 12.1440% | 1,851 |
| Core capital (leverage) ratio | 11.8766% | 1,702 |
| Tier 1 risk-based capital ratio | 30.2605% | 493 |
| Total risk-based capital ratio | 31.5173% | 486 |
| Memoranda: | ||
| Average total assets | $52,737,800 | 5,489 |
| Average earning assets | $41,274,800 | 5,645 |
| Average equity | $6,434,800 | 5,351 |
| Average total loans | $13,363,800 | 5,941 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5168% | 4,942 |
| Cost of funding earning assets | 0.2208% | 5,175 |
| Net interest margin | 3.2960% | 4,361 |
| Noninterest income to average assets | 0.9432% | 1,335 |
| Noninterest expense to average assets | 3.4440% | 1,392 |
| Loan and lease loss provision to assets | -0.0051% | 5,802 |
| Net operating income to assets | 0.0708% | 5,878 |
| Return on assets (ROA) | 0.0708% | 5,914 |
| Pretax return on assets | 0.0708% | 5,916 |
| Return on Equity (ROE) | 0.5795% | 5,911 |
| Retained earnings to average equity (ytd only) | 0.5795% | 5,445 |
| Net charge-offs to loans | -0.0198% | 5,207 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1268% | 350 |
| Assets per employee ($millions) | 1.8488% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9797% | 247 |
| Loan loss allowance to noncurrent loans | 1,739.1304% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 5,608 |
| Noncurrent loans to loans | 0.1713% | 4,969 |
| Net loans and leases to total assets | 24.2917% | 6,087 |
| Net loans and leases to deposits | 27.6912% | 6,105 |
| Net loans and leases to core deposits | 27.8427% | 6,114 |
| Total domestic deposits to total assets | 87.7236% | 1,692 |
| Equity capital to assets | 12.1030% | 2,026 |
| Core capital (leverage) ratio | 11.6007% | 1,958 |
| Tier 1 risk-based capital ratio | 30.0613% | 523 |
| Total risk-based capital ratio | 31.3210% | 514 |
| Memoranda: | ||
| Average total assets | $52,728,500 | 5,556 |
| Average earning assets | $41,058,500 | 5,720 |
| Average equity | $6,441,250 | 5,422 |
| Average total loans | $13,463,750 | 6,015 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5320% | 4,903 |
| Cost of funding earning assets | 0.2158% | 5,298 |
| Net interest margin | 3.3161% | 4,232 |
| Noninterest income to average assets | 0.9460% | 1,313 |
| Noninterest expense to average assets | 3.3605% | 1,551 |
| Loan and lease loss provision to assets | -0.0229% | 5,981 |
| Net operating income to assets | 0.1869% | 5,727 |
| Return on assets (ROA) | 0.1869% | 5,784 |
| Pretax return on assets | 0.1869% | 5,837 |
| Return on Equity (ROE) | 1.5252% | 5,796 |
| Retained earnings to average equity (ytd only) | 1.5252% | 4,937 |
| Net charge-offs to loans | -0.0890% | 5,743 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3463% | 466 |
| Assets per employee ($millions) | 1.9676% | 6,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0223% | 266 |
| Loan loss allowance to noncurrent loans | 256.4103% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 4,744 |
| Noncurrent loans to loans | 1.1787% | 2,297 |
| Net loans and leases to total assets | 23.2965% | 6,171 |
| Net loans and leases to deposits | 26.4258% | 6,191 |
| Net loans and leases to core deposits | 26.5658% | 6,196 |
| Total domestic deposits to total assets | 88.1584% | 1,573 |
| Equity capital to assets | 11.6655% | 2,275 |
| Core capital (leverage) ratio | 11.7470% | 1,808 |
| Tier 1 risk-based capital ratio | 29.3804% | 574 |
| Total risk-based capital ratio | 30.6399% | 565 |
| Memoranda: | ||
| Average total assets | $52,433,000 | 5,628 |
| Average earning assets | $40,770,330 | 5,792 |
| Average equity | $6,425,330 | 5,468 |
| Average total loans | $13,477,000 | 6,082 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5104% | 4,931 |
| Cost of funding earning assets | 0.2169% | 5,345 |
| Net interest margin | 3.2934% | 4,252 |
| Noninterest income to average assets | 0.9471% | 1,242 |
| Noninterest expense to average assets | 3.4910% | 1,331 |
| Loan and lease loss provision to assets | -0.0313% | 6,132 |
| Net operating income to assets | 0.1018% | 5,872 |
| Return on assets (ROA) | 0.1018% | 5,928 |
| Pretax return on assets | 0.1018% | 5,942 |
| Return on Equity (ROE) | 0.8094% | 5,946 |
| Retained earnings to average equity (ytd only) | 0.8094% | 5,132 |
| Net charge-offs to loans | -0.1177% | 5,912 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0220% | 429 |
| Assets per employee ($millions) | 1.9595% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9880% | 299 |
| Loan loss allowance to noncurrent loans | 1,538.4615% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 5,742 |
| Noncurrent loans to loans | 0.1942% | 5,084 |
| Net loans and leases to total assets | 24.5473% | 6,203 |
| Net loans and leases to deposits | 28.0418% | 6,218 |
| Net loans and leases to core deposits | 28.1971% | 6,229 |
| Total domestic deposits to total assets | 87.5383% | 2,084 |
| Equity capital to assets | 12.2689% | 1,845 |
| Core capital (leverage) ratio | 12.1603% | 1,541 |
| Tier 1 risk-based capital ratio | 28.2269% | 640 |
| Total risk-based capital ratio | 29.4841% | 626 |
| Memoranda: | ||
| Average total assets | $51,102,500 | 5,698 |
| Average earning assets | $40,565,500 | 5,848 |
| Average equity | $6,424,500 | 5,512 |
| Average total loans | $13,598,000 | 6,133 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 5,059 |
| Cost of funding earning assets | 0.2196% | 5,597 |
| Net interest margin | 3.3888% | 4,241 |
| Noninterest income to average assets | 1.0597% | 1,081 |
| Noninterest expense to average assets | 3.7645% | 1,044 |
| Loan and lease loss provision to assets | 0.0318% | 3,965 |
| Net operating income to assets | 0.0734% | 5,986 |
| Return on assets (ROA) | 0.0933% | 5,991 |
| Pretax return on assets | 0.0397% | 6,055 |
| Return on Equity (ROE) | 0.7481% | 5,998 |
| Retained earnings to average equity (ytd only) | 0.5093% | 5,546 |
| Net charge-offs to loans | 0.1106% | 2,936 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 1.6250% | 4,377 |
| Efficiency ratio | 98.6479% | 400 |
| Assets per employee ($millions) | 1.7000% | 6,411 |
| Cash dividends to net income (ytd only)* | 31.9149% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8967% | 333 |
| Loan loss allowance to noncurrent loans | 338.9831% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 4,873 |
| Noncurrent loans to loans | 0.8545% | 3,177 |
| Net loans and leases to total assets | 27.1993% | 6,253 |
| Net loans and leases to deposits | 31.3009% | 6,274 |
| Net loans and leases to core deposits | 31.4884% | 6,287 |
| Total domestic deposits to total assets | 86.8963% | 2,335 |
| Equity capital to assets | 12.8968% | 1,417 |
| Core capital (leverage) ratio | 12.6644% | 1,275 |
| Tier 1 risk-based capital ratio | 29.7979% | 519 |
| Total risk-based capital ratio | 31.0568% | 513 |
| Memoranda: | ||
| Average total assets | $50,392,200 | 5,777 |
| Average earning assets | $40,987,600 | 5,896 |
| Average equity | $6,282,600 | 5,564 |
| Average total loans | $14,472,800 | 6,175 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5902% | 5,163 |
| Cost of funding earning assets | 0.2207% | 5,659 |
| Net interest margin | 3.3695% | 4,363 |
| Noninterest income to average assets | 1.0710% | 1,064 |
| Noninterest expense to average assets | 3.6368% | 1,228 |
| Loan and lease loss provision to assets | 0.0211% | 3,984 |
| Net operating income to assets | 0.1447% | 5,956 |
| Return on assets (ROA) | 0.1579% | 5,964 |
| Pretax return on assets | 0.1579% | 6,003 |
| Return on Equity (ROE) | 1.2772% | 5,991 |
| Retained earnings to average equity (ytd only) | 1.2772% | 5,385 |
| Net charge-offs to loans | 0.0729% | 3,151 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 7.8725% | 2,885 |
| Efficiency ratio | 95.6401% | 516 |
| Assets per employee ($millions) | 1.7122% | 6,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7278% | 477 |
| Loan loss allowance to noncurrent loans | 347.8261% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 4,870 |
| Noncurrent loans to loans | 0.7842% | 3,621 |
| Net loans and leases to total assets | 28.7268% | 6,296 |
| Net loans and leases to deposits | 33.0200% | 6,321 |
| Net loans and leases to core deposits | 33.2161% | 6,337 |
| Total domestic deposits to total assets | 86.9980% | 2,325 |
| Equity capital to assets | 12.7966% | 1,525 |
| Core capital (leverage) ratio | 12.5047% | 1,400 |
| Tier 1 risk-based capital ratio | 28.5250% | 610 |
| Total risk-based capital ratio | 29.7835% | 594 |
| Memoranda: | ||
| Average total assets | $50,665,500 | 5,837 |
| Average earning assets | $41,073,500 | 5,963 |
| Average equity | $6,263,750 | 5,628 |
| Average total loans | $14,638,750 | 6,240 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5772% | 5,210 |
| Cost of funding earning assets | 0.2245% | 5,707 |
| Net interest margin | 3.3527% | 4,387 |
| Noninterest income to average assets | 1.0705% | 1,042 |
| Noninterest expense to average assets | 3.6077% | 1,284 |
| Loan and lease loss provision to assets | -0.0039% | 6,212 |
| Net operating income to assets | 0.1608% | 5,929 |
| Return on assets (ROA) | 0.1804% | 5,939 |
| Pretax return on assets | 0.1804% | 5,972 |
| Return on Equity (ROE) | 1.4759% | 5,956 |
| Retained earnings to average equity (ytd only) | 1.4759% | 5,154 |
| Net charge-offs to loans | -0.0137% | 5,412 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8333% | 563 |
| Assets per employee ($millions) | 1.8295% | 6,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7071% | 532 |
| Loan loss allowance to noncurrent loans | 421.0526% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 5,163 |
| Noncurrent loans to loans | 0.6429% | 4,099 |
| Net loans and leases to total assets | 28.0639% | 6,359 |
| Net loans and leases to deposits | 32.0886% | 6,386 |
| Net loans and leases to core deposits | 32.2715% | 6,404 |
| Total domestic deposits to total assets | 87.4575% | 2,214 |
| Equity capital to assets | 12.3394% | 1,749 |
| Core capital (leverage) ratio | 12.1695% | 1,564 |
| Tier 1 risk-based capital ratio | 28.2453% | 628 |
| Total risk-based capital ratio | 29.5031% | 615 |
| Memoranda: | ||
| Average total assets | $51,002,670 | 5,876 |
| Average earning assets | $40,982,000 | 6,023 |
| Average equity | $6,233,670 | 5,668 |
| Average total loans | $14,630,330 | 6,297 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5317% | 5,347 |
| Cost of funding earning assets | 0.2275% | 5,773 |
| Net interest margin | 3.3042% | 4,518 |
| Noninterest income to average assets | 1.0611% | 992 |
| Noninterest expense to average assets | 3.6627% | 1,189 |
| Loan and lease loss provision to assets | -0.0157% | 6,413 |
| Net operating income to assets | 0.0393% | 6,148 |
| Return on assets (ROA) | 0.0393% | 6,169 |
| Pretax return on assets | 0.0393% | 6,168 |
| Return on Equity (ROE) | 0.3231% | 6,174 |
| Retained earnings to average equity (ytd only) | 0.3231% | 5,439 |
| Net charge-offs to loans | -0.0550% | 5,843 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3603% | 487 |
| Assets per employee ($millions) | 1.8455% | 6,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7617% | 572 |
| Loan loss allowance to noncurrent loans | 243.9024% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 4,844 |
| Noncurrent loans to loans | 1.1323% | 3,155 |
| Net loans and leases to total assets | 27.2560% | 6,438 |
| Net loans and leases to deposits | 31.0555% | 6,458 |
| Net loans and leases to core deposits | 31.2305% | 6,474 |
| Total domestic deposits to total assets | 87.7654% | 2,370 |
| Equity capital to assets | 12.0527% | 1,835 |
| Core capital (leverage) ratio | 12.2571% | 1,502 |
| Tier 1 risk-based capital ratio | 28.1829% | 633 |
| Total risk-based capital ratio | 29.4416% | 616 |
| Memoranda: | ||
| Average total assets | $50,891,000 | 5,943 |
| Average earning assets | $40,433,500 | 6,091 |
| Average equity | $6,190,000 | 5,708 |
| Average total loans | $14,557,500 | 6,362 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 5,152 |
| Cost of funding earning assets | 0.2487% | 5,971 |
| Net interest margin | 3.4457% | 4,112 |
| Noninterest income to average assets | 1.0250% | 1,334 |
| Noninterest expense to average assets | 3.6248% | 1,408 |
| Loan and lease loss provision to assets | 0.0515% | 4,105 |
| Net operating income to assets | 0.1413% | 5,954 |
| Return on assets (ROA) | 0.1451% | 6,018 |
| Pretax return on assets | 0.0764% | 6,118 |
| Return on Equity (ROE) | 1.2046% | 6,046 |
| Retained earnings to average equity (ytd only) | 0.5706% | 5,586 |
| Net charge-offs to loans | 0.1785% | 3,042 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.4074% | 4,202 |
| Efficiency ratio | 96.6904% | 602 |
| Assets per employee ($millions) | 1.7279% | 6,687 |
| Cash dividends to net income (ytd only)* | 52.6316% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7339% | 645 |
| Loan loss allowance to noncurrent loans | 470.5882% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 5,393 |
| Noncurrent loans to loans | 0.5810% | 4,530 |
| Net loans and leases to total assets | 28.4001% | 6,512 |
| Net loans and leases to deposits | 32.4442% | 6,521 |
| Net loans and leases to core deposits | 32.6332% | 6,549 |
| Total domestic deposits to total assets | 87.5352% | 2,455 |
| Equity capital to assets | 12.2772% | 1,636 |
| Core capital (leverage) ratio | 12.2191% | 1,486 |
| Tier 1 risk-based capital ratio | 27.2052% | 661 |
| Total risk-based capital ratio | 28.4604% | 648 |
| Memoranda: | ||
| Average total assets | $52,389,000 | 5,957 |
| Average earning assets | $41,414,000 | 6,128 |
| Average equity | $6,309,000 | 5,739 |
| Average total loans | $15,130,000 | 6,411 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7073% | 5,150 |
| Cost of funding earning assets | 0.2531% | 6,061 |
| Net interest margin | 3.4542% | 4,077 |
| Noninterest income to average assets | 1.0146% | 1,413 |
| Noninterest expense to average assets | 3.4693% | 1,677 |
| Loan and lease loss provision to assets | 0.0201% | 4,595 |
| Net operating income to assets | 0.2392% | 5,808 |
| Return on assets (ROA) | 0.2442% | 5,882 |
| Pretax return on assets | 0.2442% | 5,975 |
| Return on Equity (ROE) | 2.0373% | 5,925 |
| Retained earnings to average equity (ytd only) | 2.0373% | 5,109 |
| Net charge-offs to loans | 0.0699% | 3,930 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 12.8707% | 2,088 |
| Efficiency ratio | 93.0452% | 787 |
| Assets per employee ($millions) | 1.7051% | 6,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6855% | 754 |
| Loan loss allowance to noncurrent loans | 139.8601% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6080% | 4,616 |
| Noncurrent loans to loans | 1.9201% | 2,338 |
| Net loans and leases to total assets | 28.3366% | 6,584 |
| Net loans and leases to deposits | 32.3181% | 6,612 |
| Net loans and leases to core deposits | 32.5022% | 6,637 |
| Total domestic deposits to total assets | 87.6801% | 2,309 |
| Equity capital to assets | 12.1361% | 1,839 |
| Core capital (leverage) ratio | 12.2715% | 1,535 |
| Tier 1 risk-based capital ratio | 27.9040% | 640 |
| Total risk-based capital ratio | 29.1613% | 629 |
| Memoranda: | ||
| Average total assets | $52,959,000 | 6,012 |
| Average earning assets | $41,610,250 | 6,192 |
| Average equity | $6,348,250 | 5,795 |
| Average total loans | $15,254,750 | 6,471 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6927% | 5,163 |
| Cost of funding earning assets | 0.2573% | 6,126 |
| Net interest margin | 3.4354% | 4,059 |
| Noninterest income to average assets | 1.0082% | 1,512 |
| Noninterest expense to average assets | 3.3905% | 1,844 |
| Loan and lease loss provision to assets | 0.0187% | 4,522 |
| Net operating income to assets | 0.2913% | 5,626 |
| Return on assets (ROA) | 0.2913% | 5,774 |
| Pretax return on assets | 0.2913% | 5,902 |
| Return on Equity (ROE) | 2.4394% | 5,820 |
| Retained earnings to average equity (ytd only) | 2.4394% | 4,749 |
| Net charge-offs to loans | 0.0650% | 3,771 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 16.6000% | 1,655 |
| Efficiency ratio | 91.6246% | 919 |
| Assets per employee ($millions) | 1.8375% | 6,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6231% | 856 |
| Loan loss allowance to noncurrent loans | 212.7660% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 5,428 |
| Noncurrent loans to loans | 1.2329% | 3,492 |
| Net loans and leases to total assets | 27.8656% | 6,631 |
| Net loans and leases to deposits | 31.6563% | 6,659 |
| Net loans and leases to core deposits | 31.8279% | 6,688 |
| Total domestic deposits to total assets | 88.0254% | 2,229 |
| Equity capital to assets | 11.7944% | 2,058 |
| Core capital (leverage) ratio | 11.6561% | 1,827 |
| Tier 1 risk-based capital ratio | 27.0601% | 687 |
| Total risk-based capital ratio | 28.3176% | 678 |
| Memoranda: | ||
| Average total assets | $53,561,000 | 6,031 |
| Average earning assets | $41,975,000 | 6,227 |
| Average equity | $6,395,000 | 5,827 |
| Average total loans | $15,374,670 | 6,505 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6625% | 5,276 |
| Cost of funding earning assets | 0.2657% | 6,189 |
| Net interest margin | 3.3968% | 4,132 |
| Noninterest income to average assets | 0.9907% | 1,486 |
| Noninterest expense to average assets | 3.3223% | 2,030 |
| Loan and lease loss provision to assets | 0.0074% | 4,351 |
| Net operating income to assets | 0.3278% | 5,454 |
| Return on assets (ROA) | 0.3278% | 5,589 |
| Pretax return on assets | 0.3278% | 5,785 |
| Return on Equity (ROE) | 2.7287% | 5,694 |
| Retained earnings to average equity (ytd only) | 2.7287% | 4,649 |
| Net charge-offs to loans | 0.0259% | 3,669 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 725 |
| Efficiency ratio | 90.8350% | 1,074 |
| Assets per employee ($millions) | 1.9238% | 6,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6123% | 997 |
| Loan loss allowance to noncurrent loans | 360.3604% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 5,950 |
| Noncurrent loans to loans | 0.7249% | 4,680 |
| Net loans and leases to total assets | 27.6830% | 6,675 |
| Net loans and leases to deposits | 31.5291% | 6,701 |
| Net loans and leases to core deposits | 31.6987% | 6,729 |
| Total domestic deposits to total assets | 87.8014% | 2,456 |
| Equity capital to assets | 12.0148% | 2,030 |
| Core capital (leverage) ratio | 11.6323% | 1,797 |
| Tier 1 risk-based capital ratio | 27.3803% | 678 |
| Total risk-based capital ratio | 28.6375% | 670 |
| Memoranda: | ||
| Average total assets | $53,697,500 | 6,088 |
| Average earning assets | $42,157,500 | 6,273 |
| Average equity | $6,450,000 | 5,877 |
| Average total loans | $15,437,500 | 6,559 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 5,467 |
| Cost of funding earning assets | 0.2922% | 6,498 |
| Net interest margin | 3.6498% | 3,877 |
| Noninterest income to average assets | 0.9738% | 1,620 |
| Noninterest expense to average assets | 3.7132% | 1,391 |
| Loan and lease loss provision to assets | 0.0398% | 5,370 |
| Net operating income to assets | 0.1421% | 5,906 |
| Return on assets (ROA) | 0.1421% | 6,065 |
| Pretax return on assets | 0.0606% | 6,212 |
| Return on Equity (ROE) | 1.1623% | 6,096 |
| Retained earnings to average equity (ytd only) | 0.3874% | 5,662 |
| Net charge-offs to loans | 0.1340% | 4,342 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.5238% | 4,157 |
| Efficiency ratio | 97.3671% | 649 |
| Assets per employee ($millions) | 1.9117% | 6,925 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5702% | 1,045 |
| Loan loss allowance to noncurrent loans | 579.7101% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 6,248 |
| Noncurrent loans to loans | 0.4434% | 5,393 |
| Net loans and leases to total assets | 28.3272% | 6,753 |
| Net loans and leases to deposits | 32.2610% | 6,782 |
| Net loans and leases to core deposits | 32.4349% | 6,800 |
| Total domestic deposits to total assets | 87.8064% | 2,342 |
| Equity capital to assets | 12.0087% | 2,045 |
| Core capital (leverage) ratio | 11.7856% | 1,677 |
| Tier 1 risk-based capital ratio | 26.3697% | 736 |
| Total risk-based capital ratio | 27.6272% | 728 |
| Memoranda: | ||
| Average total assets | $52,784,200 | 6,125 |
| Average earning assets | $41,070,400 | 6,328 |
| Average equity | $6,452,800 | 5,902 |
| Average total loans | $15,666,600 | 6,619 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9838% | 5,561 |
| Cost of funding earning assets | 0.2981% | 6,627 |
| Net interest margin | 3.6857% | 3,857 |
| Noninterest income to average assets | 0.9785% | 1,566 |
| Noninterest expense to average assets | 3.6249% | 1,511 |
| Loan and lease loss provision to assets | 0.0025% | 5,770 |
| Net operating income to assets | 0.2028% | 5,906 |
| Return on assets (ROA) | 0.2028% | 6,075 |
| Pretax return on assets | 0.2028% | 6,115 |
| Return on Equity (ROE) | 1.6513% | 6,114 |
| Retained earnings to average equity (ytd only) | 1.6513% | 5,509 |
| Net charge-offs to loans | 0.0085% | 5,601 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 81.2030% | 509 |
| Efficiency ratio | 94.6393% | 736 |
| Assets per employee ($millions) | 1.6522% | 7,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5616% | 1,126 |
| Loan loss allowance to noncurrent loans | 1,176.4706% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 6,578 |
| Noncurrent loans to loans | 0.2177% | 6,066 |
| Net loans and leases to total assets | 29.7064% | 6,825 |
| Net loans and leases to deposits | 34.1864% | 6,863 |
| Net loans and leases to core deposits | 34.3818% | 6,894 |
| Total domestic deposits to total assets | 86.8952% | 2,739 |
| Equity capital to assets | 12.7807% | 1,726 |
| Core capital (leverage) ratio | 11.9400% | 1,690 |
| Tier 1 risk-based capital ratio | 28.0134% | 658 |
| Total risk-based capital ratio | 29.2709% | 643 |
| Memoranda: | ||
| Average total assets | $52,598,250 | 6,202 |
| Average earning assets | $40,697,000 | 6,405 |
| Average equity | $6,459,000 | 5,972 |
| Average total loans | $15,692,500 | 6,703 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 5,585 |
| Cost of funding earning assets | 0.3075% | 6,706 |
| Net interest margin | 3.7142% | 3,755 |
| Noninterest income to average assets | 0.9838% | 1,505 |
| Noninterest expense to average assets | 3.6187% | 1,544 |
| Loan and lease loss provision to assets | -0.0075% | 7,024 |
| Net operating income to assets | 0.1960% | 5,927 |
| Return on assets (ROA) | 0.1960% | 6,113 |
| Pretax return on assets | 0.1960% | 6,159 |
| Return on Equity (ROE) | 1.6174% | 6,161 |
| Retained earnings to average equity (ytd only) | 1.6174% | 5,397 |
| Net charge-offs to loans | -0.0254% | 6,486 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0495% | 750 |
| Assets per employee ($millions) | 1.7946% | 7,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5571% | 1,201 |
| Loan loss allowance to noncurrent loans | 118.3432% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 5,205 |
| Noncurrent loans to loans | 2.1607% | 2,753 |
| Net loans and leases to total assets | 28.3122% | 6,925 |
| Net loans and leases to deposits | 32.3102% | 6,958 |
| Net loans and leases to core deposits | 32.4838% | 6,983 |
| Total domestic deposits to total assets | 87.6261% | 2,380 |
| Equity capital to assets | 12.0805% | 2,088 |
| Core capital (leverage) ratio | 11.5847% | 1,843 |
| Tier 1 risk-based capital ratio | 27.5422% | 682 |
| Total risk-based capital ratio | 28.7973% | 669 |
| Memoranda: | ||
| Average total assets | $53,058,330 | 6,227 |
| Average earning assets | $40,331,670 | 6,467 |
| Average equity | $6,430,000 | 6,004 |
| Average total loans | $15,718,330 | 6,753 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 5,664 |
| Cost of funding earning assets | 0.3147% | 6,799 |
| Net interest margin | 3.7177% | 3,751 |
| Noninterest income to average assets | 1.0329% | 1,349 |
| Noninterest expense to average assets | 3.6607% | 1,447 |
| Loan and lease loss provision to assets | -0.0228% | 7,123 |
| Net operating income to assets | 0.2658% | 5,765 |
| Return on assets (ROA) | 0.2658% | 5,925 |
| Pretax return on assets | 0.2658% | 6,047 |
| Return on Equity (ROE) | 2.1899% | 6,009 |
| Retained earnings to average equity (ytd only) | 2.1899% | 5,167 |
| Net charge-offs to loans | -0.0762% | 6,699 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7743% | 832 |
| Assets per employee ($millions) | 1.9249% | 7,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5369% | 1,301 |
| Loan loss allowance to noncurrent loans | 533.3333% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 6,542 |
| Noncurrent loans to loans | 0.4757% | 5,721 |
| Net loans and leases to total assets | 28.5118% | 6,961 |
| Net loans and leases to deposits | 32.4253% | 7,000 |
| Net loans and leases to core deposits | 32.5986% | 7,023 |
| Total domestic deposits to total assets | 87.9307% | 2,369 |
| Equity capital to assets | 11.8856% | 2,123 |
| Core capital (leverage) ratio | 11.8348% | 1,687 |
| Tier 1 risk-based capital ratio | 27.8147% | 658 |
| Total risk-based capital ratio | 29.0721% | 639 |
| Memoranda: | ||
| Average total assets | $52,668,000 | 6,280 |
| Average earning assets | $40,670,000 | 6,499 |
| Average equity | $6,393,000 | 6,045 |
| Average total loans | $15,756,000 | 6,807 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 6,644 |
| Cost of funding earning assets | 0.3771% | 6,950 |
| Net interest margin | 3.5001% | 5,144 |
| Noninterest income to average assets | 1.0427% | 1,243 |
| Noninterest expense to average assets | 3.8762% | 1,217 |
| Loan and lease loss provision to assets | 0.0478% | 5,984 |
| Net operating income to assets | 0.1033% | 5,860 |
| Return on assets (ROA) | 0.1033% | 5,976 |
| Pretax return on assets | 0.0306% | 6,071 |
| Return on Equity (ROE) | 0.8589% | 5,993 |
| Retained earnings to average equity (ytd only) | 0.8589% | 5,463 |
| Net charge-offs to loans | 0.1580% | 4,881 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 1.6400% | 4,541 |
| Efficiency ratio | 98.0164% | 724 |
| Assets per employee ($millions) | 1.7738% | 7,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5405% | 1,260 |
| Loan loss allowance to noncurrent loans | 388.3495% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 6,459 |
| Noncurrent loans to loans | 0.6542% | 5,392 |
| Net loans and leases to total assets | 29.8315% | 7,013 |
| Net loans and leases to deposits | 34.1357% | 7,041 |
| Net loans and leases to core deposits | 34.3273% | 7,074 |
| Total domestic deposits to total assets | 87.3909% | 2,537 |
| Equity capital to assets | 12.4030% | 1,854 |
| Core capital (leverage) ratio | 11.8128% | 1,701 |
| Tier 1 risk-based capital ratio | 28.4868% | 586 |
| Total risk-based capital ratio | 29.7451% | 575 |
| Memoranda: | ||
| Average total assets | $52,267,800 | 6,295 |
| Average earning assets | $43,484,600 | 6,401 |
| Average equity | $6,287,000 | 6,078 |
| Average total loans | $15,820,200 | 6,863 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 6,797 |
| Cost of funding earning assets | 0.3894% | 7,039 |
| Net interest margin | 3.4472% | 5,404 |
| Noninterest income to average assets | 1.0468% | 1,224 |
| Noninterest expense to average assets | 3.6994% | 1,500 |
| Loan and lease loss provision to assets | 0.0280% | 6,087 |
| Net operating income to assets | 0.1982% | 5,705 |
| Return on assets (ROA) | 0.1982% | 5,838 |
| Pretax return on assets | 0.1982% | 5,900 |
| Return on Equity (ROE) | 1.6603% | 5,882 |
| Retained earnings to average equity (ytd only) | 1.6603% | 5,306 |
| Net charge-offs to loans | 0.0926% | 5,048 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 8.0886% | 2,241 |
| Efficiency ratio | 94.2395% | 904 |
| Assets per employee ($millions) | 1.7412% | 7,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5416% | 1,336 |
| Loan loss allowance to noncurrent loans | 357.1429% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 6,523 |
| Noncurrent loans to loans | 0.7117% | 5,455 |
| Net loans and leases to total assets | 29.3623% | 7,104 |
| Net loans and leases to deposits | 33.5785% | 7,140 |
| Net loans and leases to core deposits | 33.7641% | 7,170 |
| Total domestic deposits to total assets | 87.4438% | 2,380 |
| Equity capital to assets | 12.2748% | 2,037 |
| Core capital (leverage) ratio | 11.8491% | 1,793 |
| Tier 1 risk-based capital ratio | 28.8695% | 601 |
| Total risk-based capital ratio | 30.1261% | 589 |
| Memoranda: | ||
| Average total assets | $52,475,000 | 6,342 |
| Average earning assets | $43,822,250 | 6,451 |
| Average equity | $6,263,750 | 6,125 |
| Average total loans | $15,839,000 | 6,926 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8205% | 6,900 |
| Cost of funding earning assets | 0.4093% | 7,104 |
| Net interest margin | 3.4112% | 5,516 |
| Noninterest income to average assets | 1.0161% | 1,285 |
| Noninterest expense to average assets | 3.7219% | 1,487 |
| Loan and lease loss provision to assets | -0.0038% | 7,357 |
| Net operating income to assets | 0.1522% | 5,876 |
| Return on assets (ROA) | 0.1522% | 5,971 |
| Pretax return on assets | 0.1522% | 6,015 |
| Return on Equity (ROE) | 1.2873% | 6,004 |
| Retained earnings to average equity (ytd only) | 1.2873% | 5,332 |
| Net charge-offs to loans | -0.0126% | 6,736 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1652% | 871 |
| Assets per employee ($millions) | 1.6550% | 7,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5083% | 1,434 |
| Loan loss allowance to noncurrent loans | 465.1163% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 6,685 |
| Noncurrent loans to loans | 0.5393% | 5,835 |
| Net loans and leases to total assets | 29.3561% | 7,203 |
| Net loans and leases to deposits | 33.3813% | 7,237 |
| Net loans and leases to core deposits | 33.3813% | 7,268 |
| Total domestic deposits to total assets | 87.9418% | 2,174 |
| Equity capital to assets | 11.8807% | 2,187 |
| Core capital (leverage) ratio | 11.4682% | 1,934 |
| Tier 1 risk-based capital ratio | 28.3671% | 634 |
| Total risk-based capital ratio | 29.6232% | 617 |
| Memoranda: | ||
| Average total assets | $52,554,330 | 6,388 |
| Average earning assets | $43,973,000 | 6,510 |
| Average equity | $6,214,330 | 6,171 |
| Average total loans | $15,872,670 | 6,987 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 6,956 |
| Cost of funding earning assets | 0.4269% | 7,168 |
| Net interest margin | 3.3695% | 5,542 |
| Noninterest income to average assets | 1.0621% | 1,165 |
| Noninterest expense to average assets | 3.7210% | 1,496 |
| Loan and lease loss provision to assets | 0.0458% | 5,428 |
| Net operating income to assets | 0.1299% | 6,014 |
| Return on assets (ROA) | 0.1299% | 6,069 |
| Pretax return on assets | 0.1299% | 6,105 |
| Return on Equity (ROE) | 1.1011% | 6,103 |
| Retained earnings to average equity (ytd only) | 1.1011% | 5,386 |
| Net charge-offs to loans | 0.1516% | 3,580 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 3.8333% | 2,619 |
| Efficiency ratio | 95.4902% | 951 |
| Assets per employee ($millions) | 1.8497% | 7,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5345% | 1,413 |
| Loan loss allowance to noncurrent loans | 526.3158% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 6,809 |
| Noncurrent loans to loans | 0.4816% | 6,054 |
| Net loans and leases to total assets | 28.6758% | 7,276 |
| Net loans and leases to deposits | 32.4803% | 7,309 |
| Net loans and leases to core deposits | 32.4803% | 7,347 |
| Total domestic deposits to total assets | 88.2869% | 2,199 |
| Equity capital to assets | 11.5210% | 2,246 |
| Core capital (leverage) ratio | 11.6425% | 1,775 |
| Tier 1 risk-based capital ratio | 28.5754% | 599 |
| Total risk-based capital ratio | 29.8313% | 586 |
| Memoranda: | ||
| Average total assets | $52,351,500 | 6,442 |
| Average earning assets | $44,042,000 | 6,558 |
| Average equity | $6,175,500 | 6,190 |
| Average total loans | $15,835,500 | 7,044 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 6,607 |
| Cost of funding earning assets | 0.4965% | 7,302 |
| Net interest margin | 3.9096% | 3,442 |
| Noninterest income to average assets | 1.1502% | 1,121 |
| Noninterest expense to average assets | 4.1173% | 1,009 |
| Loan and lease loss provision to assets | -0.0060% | 7,571 |
| Net operating income to assets | 0.4199% | 4,466 |
| Return on assets (ROA) | 0.4199% | 4,592 |
| Pretax return on assets | 0.2985% | 5,233 |
| Return on Equity (ROE) | 3.4140% | 4,786 |
| Retained earnings to average equity (ytd only) | 1.4724% | 4,797 |
| Net charge-offs to loans | -0.0185% | 7,363 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3664% | 1,099 |
| Assets per employee ($millions) | 1.7021% | 7,514 |
| Cash dividends to net income (ytd only)* | 56.8720% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5175% | 1,392 |
| Loan loss allowance to noncurrent loans | 740.7407% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 6,966 |
| Noncurrent loans to loans | 0.3399% | 6,378 |
| Net loans and leases to total assets | 30.3337% | 7,341 |
| Net loans and leases to deposits | 34.5852% | 7,380 |
| Net loans and leases to core deposits | 34.5852% | 7,413 |
| Total domestic deposits to total assets | 87.7071% | 2,414 |
| Equity capital to assets | 12.0853% | 1,860 |
| Core capital (leverage) ratio | 11.9777% | 1,564 |
| Tier 1 risk-based capital ratio | 29.3033% | 533 |
| Total risk-based capital ratio | 30.5614% | 522 |
| Memoranda: | ||
| Average total assets | $50,251,600 | 6,525 |
| Average earning assets | $41,896,800 | 6,643 |
| Average equity | $6,180,400 | 6,313 |
| Average total loans | $16,196,200 | 7,111 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 6,555 |
| Cost of funding earning assets | 0.5021% | 7,442 |
| Net interest margin | 4.0198% | 3,006 |
| Noninterest income to average assets | 1.1509% | 1,059 |
| Noninterest expense to average assets | 3.9427% | 1,132 |
| Loan and lease loss provision to assets | -0.0293% | 7,682 |
| Net operating income to assets | 0.5861% | 3,933 |
| Return on assets (ROA) | 0.5861% | 4,100 |
| Pretax return on assets | 0.5861% | 4,647 |
| Return on Equity (ROE) | 4.7443% | 4,427 |
| Retained earnings to average equity (ytd only) | 2.1565% | 4,881 |
| Net charge-offs to loans | -0.0901% | 7,537 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6258% | 1,481 |
| Assets per employee ($millions) | 1.6724% | 7,627 |
| Cash dividends to net income (ytd only)* | 54.5461% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4656% | 1,380 |
| Loan loss allowance to noncurrent loans | 975.6098% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 7,139 |
| Noncurrent loans to loans | 0.2527% | 6,674 |
| Net loans and leases to total assets | 31.5381% | 7,427 |
| Net loans and leases to deposits | 36.1116% | 7,470 |
| Net loans and leases to core deposits | 36.1116% | 7,501 |
| Total domestic deposits to total assets | 87.3353% | 2,349 |
| Equity capital to assets | 12.4554% | 1,874 |
| Core capital (leverage) ratio | 11.9574% | 1,692 |
| Tier 1 risk-based capital ratio | 29.8507% | 523 |
| Total risk-based capital ratio | 31.1112% | 509 |
| Memoranda: | ||
| Average total assets | $50,049,000 | 6,608 |
| Average earning assets | $41,693,000 | 6,736 |
| Average equity | $6,182,750 | 6,396 |
| Average total loans | $16,273,000 | 7,201 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 6,547 |
| Cost of funding earning assets | 0.5051% | 7,540 |
| Net interest margin | 4.0601% | 2,748 |
| Noninterest income to average assets | 1.1278% | 1,033 |
| Noninterest expense to average assets | 3.9633% | 1,090 |
| Loan and lease loss provision to assets | -0.0400% | 7,756 |
| Net operating income to assets | 0.5799% | 3,951 |
| Return on assets (ROA) | 0.5799% | 4,095 |
| Pretax return on assets | 0.5799% | 4,627 |
| Return on Equity (ROE) | 4.7073% | 4,435 |
| Retained earnings to average equity (ytd only) | 0.8116% | 5,446 |
| Net charge-offs to loans | -0.1228% | 7,584 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0107% | 1,505 |
| Assets per employee ($millions) | 1.7693% | 7,666 |
| Cash dividends to net income (ytd only)* | 82.7586% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4763% | 1,329 |
| Loan loss allowance to noncurrent loans | 816.3265% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 7,159 |
| Noncurrent loans to loans | 0.3033% | 6,617 |
| Net loans and leases to total assets | 30.7022% | 7,516 |
| Net loans and leases to deposits | 34.9896% | 7,554 |
| Net loans and leases to core deposits | 34.9896% | 7,586 |
| Total domestic deposits to total assets | 87.7468% | 2,140 |
| Equity capital to assets | 12.0466% | 2,074 |
| Core capital (leverage) ratio | 11.8415% | 1,735 |
| Tier 1 risk-based capital ratio | 29.3765% | 547 |
| Total risk-based capital ratio | 30.6370% | 527 |
| Memoranda: | ||
| Average total assets | $50,008,330 | 6,649 |
| Average earning assets | $41,575,330 | 6,793 |
| Average equity | $6,160,670 | 6,419 |
| Average total loans | $16,289,670 | 7,253 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5889% | 6,588 |
| Cost of funding earning assets | 0.5175% | 7,654 |
| Net interest margin | 4.0714% | 2,560 |
| Noninterest income to average assets | 1.1265% | 984 |
| Noninterest expense to average assets | 4.1574% | 852 |
| Loan and lease loss provision to assets | -0.1054% | 7,872 |
| Net operating income to assets | 0.4538% | 4,601 |
| Return on assets (ROA) | 0.4538% | 4,726 |
| Pretax return on assets | 0.4538% | 5,118 |
| Return on Equity (ROE) | 3.6420% | 5,057 |
| Retained earnings to average equity (ytd only) | -4.1623% | 6,517 |
| Net charge-offs to loans | -0.3179% | 7,752 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2662% | 1,259 |
| Assets per employee ($millions) | 1.6816% | 7,791 |
| Cash dividends to net income (ytd only)* | 214.2857% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4292% | 1,391 |
| Loan loss allowance to noncurrent loans | 425.5319% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 7,005 |
| Noncurrent loans to loans | 0.5709% | 6,160 |
| Net loans and leases to total assets | 31.8473% | 7,572 |
| Net loans and leases to deposits | 36.3090% | 7,616 |
| Net loans and leases to core deposits | 36.3090% | 7,647 |
| Total domestic deposits to total assets | 87.7119% | 2,228 |
| Equity capital to assets | 12.0978% | 1,989 |
| Core capital (leverage) ratio | 11.6715% | 1,818 |
| Tier 1 risk-based capital ratio | 25.0021% | 864 |
| Total risk-based capital ratio | 26.2576% | 840 |
| Memoranda: | ||
| Average total assets | $49,358,000 | 6,752 |
| Average earning assets | $40,968,500 | 6,898 |
| Average equity | $6,150,500 | 6,470 |
| Average total loans | $16,358,000 | 7,341 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6241% | 7,257 |
| Cost of funding earning assets | 0.5023% | 7,830 |
| Net interest margin | 4.1218% | 2,359 |
| Noninterest income to average assets | 1.1357% | 1,195 |
| Noninterest expense to average assets | 4.2612% | 1,027 |
| Loan and lease loss provision to assets | 0.1407% | 6,233 |
| Net operating income to assets | 0.4502% | 3,923 |
| Return on assets (ROA) | 0.5588% | 3,572 |
| Pretax return on assets | 0.4382% | 4,381 |
| Return on Equity (ROE) | 4.2954% | 3,962 |
| Retained earnings to average equity (ytd only) | -3.9091% | 5,849 |
| Net charge-offs to loans | 0.4361% | 4,059 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 3.3429% | 3,387 |
| Efficiency ratio | 90.0595% | 1,704 |
| Assets per employee ($millions) | 1.6644% | 7,858 |
| Cash dividends to net income (ytd only)* | 191.0072% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4615% | 1,273 |
| Loan loss allowance to noncurrent loans | 526.3158% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 7,084 |
| Noncurrent loans to loans | 0.4677% | 6,322 |
| Net loans and leases to total assets | 32.8368% | 7,629 |
| Net loans and leases to deposits | 37.7606% | 7,687 |
| Net loans and leases to core deposits | 39.9738% | 7,754 |
| Total domestic deposits to total assets | 86.9606% | 2,534 |
| Equity capital to assets | 12.8405% | 1,572 |
| Core capital (leverage) ratio | 12.6408% | 1,385 |
| Tier 1 risk-based capital ratio | 29.7603% | 537 |
| Total risk-based capital ratio | 31.0179% | 519 |
| Memoranda: | ||
| Average total assets | $49,750,800 | 6,715 |
| Average earning assets | $43,403,000 | 6,791 |
| Average equity | $6,472,000 | 6,437 |
| Average total loans | $16,052,200 | 7,404 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 7,399 |
| Cost of funding earning assets | 0.5035% | 7,940 |
| Net interest margin | 4.1127% | 2,343 |
| Noninterest income to average assets | 1.1040% | 1,296 |
| Noninterest expense to average assets | 3.9317% | 1,380 |
| Loan and lease loss provision to assets | 0.0399% | 6,966 |
| Net operating income to assets | 0.7041% | 3,191 |
| Return on assets (ROA) | 0.8406% | 2,717 |
| Pretax return on assets | 0.8832% | 3,277 |
| Return on Equity (ROE) | 6.4417% | 3,324 |
| Retained earnings to average equity (ytd only) | -4.3828% | 6,168 |
| Net charge-offs to loans | 0.1250% | 5,445 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 19.5330% | 1,284 |
| Efficiency ratio | 83.4557% | 2,361 |
| Assets per employee ($millions) | 1.5537% | 7,974 |
| Cash dividends to net income (ytd only)* | 168.0385% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4191% | 1,148 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 6,380 |
| Noncurrent loans to loans | 1.2096% | 4,923 |
| Net loans and leases to total assets | 34.6163% | 7,670 |
| Net loans and leases to deposits | 40.1648% | 7,725 |
| Net loans and leases to core deposits | 42.7496% | 7,816 |
| Total domestic deposits to total assets | 86.1857% | 2,597 |
| Equity capital to assets | 13.4518% | 1,520 |
| Core capital (leverage) ratio | 12.0211% | 1,794 |
| Tier 1 risk-based capital ratio | 30.3903% | 546 |
| Total risk-based capital ratio | 31.6516% | 532 |
| Memoranda: | ||
| Average total assets | $50,121,250 | 6,753 |
| Average earning assets | $43,960,250 | 6,819 |
| Average equity | $6,540,500 | 6,470 |
| Average total loans | $16,002,750 | 7,469 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5238% | 7,605 |
| Cost of funding earning assets | 0.4972% | 8,042 |
| Net interest margin | 4.0266% | 2,594 |
| Noninterest income to average assets | 1.0684% | 1,390 |
| Noninterest expense to average assets | 3.9734% | 1,361 |
| Loan and lease loss provision to assets | 0.0273% | 6,969 |
| Net operating income to assets | 0.5834% | 3,753 |
| Return on assets (ROA) | 0.7877% | 2,996 |
| Pretax return on assets | 0.8150% | 3,620 |
| Return on Equity (ROE) | 6.0929% | 3,602 |
| Retained earnings to average equity (ytd only) | 2.4734% | 3,962 |
| Net charge-offs to loans | 0.0885% | 5,308 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 23.1429% | 1,194 |
| Efficiency ratio | 86.2828% | 2,202 |
| Assets per employee ($millions) | 1.7474% | 8,008 |
| Cash dividends to net income (ytd only)* | 59.4059% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4669% | 931 |
| Loan loss allowance to noncurrent loans | 322.5806% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 6,904 |
| Noncurrent loans to loans | 0.7647% | 5,710 |
| Net loans and leases to total assets | 30.1686% | 7,881 |
| Net loans and leases to deposits | 34.6661% | 7,925 |
| Net loans and leases to core deposits | 36.5074% | 7,971 |
| Total domestic deposits to total assets | 87.0264% | 2,240 |
| Equity capital to assets | 12.5768% | 1,891 |
| Core capital (leverage) ratio | 12.0778% | 1,801 |
| Tier 1 risk-based capital ratio | 30.3850% | 579 |
| Total risk-based capital ratio | 31.6445% | 563 |
| Memoranda: | ||
| Average total assets | $51,291,330 | 6,777 |
| Average earning assets | $45,050,330 | 6,837 |
| Average equity | $6,630,670 | 6,485 |
| Average total loans | $15,825,330 | 7,542 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6414% | 7,582 |
| Cost of funding earning assets | 0.5127% | 8,095 |
| Net interest margin | 4.1287% | 2,172 |
| Noninterest income to average assets | 1.0961% | 1,243 |
| Noninterest expense to average assets | 4.0453% | 1,132 |
| Loan and lease loss provision to assets | 0.0237% | 6,609 |
| Net operating income to assets | 0.6054% | 3,992 |
| Return on assets (ROA) | 1.0015% | 2,441 |
| Pretax return on assets | 1.0724% | 3,092 |
| Return on Equity (ROE) | 7.6397% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.6397% | 1,957 |
| Net charge-offs to loans | 0.0768% | 4,409 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 1,107 |
| Efficiency ratio | 85.7860% | 2,096 |
| Assets per employee ($millions) | 1.6972% | 8,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5646% | 717 |
| Loan loss allowance to noncurrent loans | 344.8276% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 6,844 |
| Noncurrent loans to loans | 0.7437% | 5,571 |
| Net loans and leases to total assets | 29.8478% | 7,918 |
| Net loans and leases to deposits | 34.4869% | 7,977 |
| Net loans and leases to core deposits | 36.4052% | 8,022 |
| Total domestic deposits to total assets | 86.5482% | 2,425 |
| Equity capital to assets | 13.1101% | 1,697 |
| Core capital (leverage) ratio | 12.5732% | 1,657 |
| Tier 1 risk-based capital ratio | 31.6646% | 549 |
| Total risk-based capital ratio | 32.9235% | 535 |
| Memoranda: | ||
| Average total assets | $50,726,000 | 6,831 |
| Average earning assets | $44,469,000 | 6,904 |
| Average equity | $6,649,500 | 6,529 |
| Average total loans | $15,630,500 | 7,599 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2471% | 7,648 |
| Cost of funding earning assets | 0.9703% | 8,071 |
| Net interest margin | 4.2768% | 2,055 |
| Noninterest income to average assets | 1.1785% | 1,102 |
| Noninterest expense to average assets | 4.1208% | 1,248 |
| Loan and lease loss provision to assets | 0.0117% | 7,222 |
| Net operating income to assets | 0.7616% | 3,609 |
| Return on assets (ROA) | 0.8214% | 3,182 |
| Pretax return on assets | 0.8858% | 3,768 |
| Return on Equity (ROE) | 6.4817% | 3,761 |
| Retained earnings to average equity (ytd only) | 2.7867% | 3,448 |
| Net charge-offs to loans | 0.0382% | 6,263 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 71.1667% | 573 |
| Efficiency ratio | 83.1824% | 2,151 |
| Assets per employee ($millions) | 1.6846% | 8,102 |
| Cash dividends to net income (ytd only)* | 57.0071% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5536% | 647 |
| Loan loss allowance to noncurrent loans | 563.3803% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 7,019 |
| Noncurrent loans to loans | 0.4533% | 5,987 |
| Net loans and leases to total assets | 30.2036% | 7,983 |
| Net loans and leases to deposits | 34.9339% | 8,045 |
| Net loans and leases to core deposits | 36.6588% | 8,102 |
| Total domestic deposits to total assets | 86.4594% | 2,188 |
| Equity capital to assets | 13.1072% | 1,743 |
| Core capital (leverage) ratio | 12.5139% | 1,745 |
| Tier 1 risk-based capital ratio | 31.0458% | 586 |
| Total risk-based capital ratio | 32.3052% | 578 |
| Memoranda: | ||
| Average total assets | $51,252,000 | 6,722 |
| Average earning assets | $45,244,200 | 6,804 |
| Average equity | $6,495,200 | 6,643 |
| Average total loans | $15,714,200 | 7,604 |