Home > State Bank > Performance and Condition Ratios
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 | 4.3464% | 3,359 |
| Cost of funding earning assets | 0.9686% | 3,377 |
| Net interest margin | 3.3778% | 2,453 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.9045% | 1,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8923% | 2,576 |
| Return on assets (ROA) | 0.9105% | 2,483 |
| Pretax return on assets | 0.9550% | 2,799 |
| Return on Equity (ROE) | 13.6300% | 1,575 |
| Retained earnings to average equity (ytd only) | 1.6580% | 3,663 |
| Net charge-offs to loans | -0.0126% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.6300% | 1,285 |
| Assets per employee ($millions) | 5.7175% | 3,055 |
| Cash dividends to net income (ytd only)* | 87.8322% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 1,773 |
| Loan loss allowance to noncurrent loans | 1,164.8148% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,073 |
| Noncurrent loans to loans | 0.1114% | 2,970 |
| Net loans and leases to total assets | 64.3500% | 2,428 |
| Net loans and leases to deposits | 71.1324% | 2,806 |
| Net loans and leases to core deposits | 74.9902% | 3,031 |
| Total domestic deposits to total assets | 90.4600% | 637 |
| Equity capital to assets | 7.5073% | 3,715 |
| Core capital (leverage) ratio | 8.3628% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4617% | 1,699 |
| Memoranda: | ||
| Average total assets | $78,532,000 | 4,027 |
| Average earning assets | $74,130,800 | 3,988 |
| Average equity | $5,247,400 | 4,238 |
| Average total loans | $47,452,800 | 3,878 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2223% | 3,432 |
| Cost of funding earning assets | 0.8296% | 3,454 |
| Net interest margin | 3.3928% | 2,470 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.9017% | 1,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8920% | 2,711 |
| Return on assets (ROA) | 0.9047% | 2,648 |
| Pretax return on assets | 0.9499% | 2,976 |
| Return on Equity (ROE) | 13.9400% | 1,669 |
| Retained earnings to average equity (ytd only) | -0.6971% | 4,229 |
| Net charge-offs to loans | -0.0113% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.6002% | 1,210 |
| Assets per employee ($millions) | 5.8001% | 2,928 |
| Cash dividends to net income (ytd only)* | 105.0000% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 1,971 |
| Loan loss allowance to noncurrent loans | 149.6420% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 1,050 |
| Noncurrent loans to loans | 0.8540% | 970 |
| Net loans and leases to total assets | 64.2400% | 2,415 |
| Net loans and leases to deposits | 70.4571% | 2,813 |
| Net loans and leases to core deposits | 74.5177% | 2,960 |
| Total domestic deposits to total assets | 91.1700% | 630 |
| Equity capital to assets | 6.8063% | 3,708 |
| Core capital (leverage) ratio | 8.0674% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0095% | 1,893 |
| Memoranda: | ||
| Average total assets | $79,583,000 | 4,033 |
| Average earning assets | $75,217,000 | 3,996 |
| Average equity | $5,164,250 | 4,258 |
| Average total loans | $47,201,750 | 3,894 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 3,559 |
| Cost of funding earning assets | 0.7315% | 3,405 |
| Net interest margin | 3.3334% | 2,678 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.8304% | 1,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8521% | 2,919 |
| Return on assets (ROA) | 0.8521% | 2,920 |
| Pretax return on assets | 0.8916% | 3,187 |
| Return on Equity (ROE) | 13.3300% | 1,835 |
| Retained earnings to average equity (ytd only) | -1.7391% | 4,275 |
| Net charge-offs to loans | -0.0129% | 3,997 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.0451% | 1,173 |
| Assets per employee ($millions) | 6.2838% | 2,480 |
| Cash dividends to net income (ytd only)* | 113.0435% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 1,733 |
| Loan loss allowance to noncurrent loans | 144.2396% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.5313% | 1,027 |
| Noncurrent loans to loans | 0.9322% | 821 |
| Net loans and leases to total assets | 56.2200% | 3,105 |
| Net loans and leases to deposits | 60.4830% | 3,392 |
| Net loans and leases to core deposits | 63.9030% | 3,455 |
| Total domestic deposits to total assets | 92.9600% | 260 |
| Equity capital to assets | 6.3313% | 4,056 |
| Core capital (leverage) ratio | 7.7986% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5204% | 1,720 |
| Memoranda: | ||
| Average total assets | $80,977,000 | 4,038 |
| Average earning assets | $76,557,333 | 3,995 |
| Average equity | $5,175,000 | 4,279 |
| Average total loans | $46,581,667 | 3,914 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 3,532 |
| Cost of funding earning assets | 0.6232% | 3,312 |
| Net interest margin | 3.3358% | 2,777 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.8876% | 1,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8291% | 3,095 |
| Return on assets (ROA) | 0.8385% | 3,015 |
| Pretax return on assets | 0.8831% | 3,285 |
| Return on Equity (ROE) | 13.0600% | 1,972 |
| Retained earnings to average equity (ytd only) | 2.6273% | 3,577 |
| Net charge-offs to loans | -0.0086% | 3,804 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.7810% | 1,101 |
| Assets per employee ($millions) | 5.5964% | 3,121 |
| Cash dividends to net income (ytd only)* | 79.8817% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 1,668 |
| Loan loss allowance to noncurrent loans | 572.4771% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 2,533 |
| Noncurrent loans to loans | 0.2424% | 2,284 |
| Net loans and leases to total assets | 56.5900% | 2,996 |
| Net loans and leases to deposits | 61.1322% | 3,272 |
| Net loans and leases to core deposits | 64.4660% | 3,319 |
| Total domestic deposits to total assets | 92.5800% | 384 |
| Equity capital to assets | 6.7442% | 3,945 |
| Core capital (leverage) ratio | 7.8601% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8637% | 1,664 |
| Memoranda: | ||
| Average total assets | $80,621,000 | 4,094 |
| Average earning assets | $76,383,000 | 4,052 |
| Average equity | $5,176,500 | 4,337 |
| Average total loans | $46,595,000 | 3,954 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3199% | 3,537 |
| Cost of funding earning assets | 0.3776% | 2,279 |
| Net interest margin | 2.9423% | 3,586 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.7341% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8135% | 3,281 |
| Return on assets (ROA) | 0.8112% | 3,217 |
| Pretax return on assets | 0.8509% | 3,487 |
| Return on Equity (ROE) | 12.9100% | 1,842 |
| Retained earnings to average equity (ytd only) | 1.2811% | 4,143 |
| Net charge-offs to loans | -0.0109% | 3,856 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.2144% | 989 |
| Assets per employee ($millions) | 5.9209% | 2,831 |
| Cash dividends to net income (ytd only)* | 90.0741% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 1,940 |
| Loan loss allowance to noncurrent loans | 20,766.6667% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 3,902 |
| Noncurrent loans to loans | 0.0062% | 3,822 |
| Net loans and leases to total assets | 57.4300% | 2,878 |
| Net loans and leases to deposits | 61.6048% | 3,227 |
| Net loans and leases to core deposits | 65.6181% | 3,160 |
| Total domestic deposits to total assets | 93.2200% | 359 |
| Equity capital to assets | 6.1151% | 4,046 |
| Core capital (leverage) ratio | 7.4337% | 4,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0297% | 1,969 |
| Memoranda: | ||
| Average total assets | $83,208,400 | 4,089 |
| Average earning assets | $78,918,800 | 4,049 |
| Average equity | $5,230,000 | 4,409 |
| Average total loans | $45,789,800 | 3,964 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1125% | 3,647 |
| Cost of funding earning assets | 0.3509% | 1,694 |
| Net interest margin | 2.7616% | 3,815 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 2.6734% | 1,523 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7201% | 3,508 |
| Return on assets (ROA) | 0.7156% | 3,472 |
| Pretax return on assets | 0.7524% | 3,686 |
| Return on Equity (ROE) | 11.3100% | 2,266 |
| Retained earnings to average equity (ytd only) | -1.5179% | 4,459 |
| Net charge-offs to loans | -0.0089% | 3,663 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.9281% | 922 |
| Assets per employee ($millions) | 5.5373% | 3,177 |
| Cash dividends to net income (ytd only)* | 113.4228% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 2,082 |
| Loan loss allowance to noncurrent loans | 2,217.8571% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 3,579 |
| Noncurrent loans to loans | 0.0581% | 3,463 |
| Net loans and leases to total assets | 57.2400% | 2,776 |
| Net loans and leases to deposits | 61.0607% | 3,103 |
| Net loans and leases to core deposits | 65.0049% | 3,027 |
| Total domestic deposits to total assets | 93.7400% | 411 |
| Equity capital to assets | 5.6755% | 4,080 |
| Core capital (leverage) ratio | 7.1916% | 4,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8415% | 2,117 |
| Memoranda: | ||
| Average total assets | $83,287,250 | 4,116 |
| Average earning assets | $79,034,500 | 4,073 |
| Average equity | $5,270,250 | 4,443 |
| Average total loans | $45,181,000 | 3,997 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9038% | 3,767 |
| Cost of funding earning assets | 0.3462% | 1,302 |
| Net interest margin | 2.5576% | 3,986 |
| Noninterest income to average assets | 0.8181% | 1,006 |
| Noninterest expense to average assets | 2.6582% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5584% | 3,742 |
| Return on assets (ROA) | 0.5470% | 3,725 |
| Pretax return on assets | 0.5758% | 3,861 |
| Return on Equity (ROE) | 8.3583% | 2,910 |
| Retained earnings to average equity (ytd only) | -4.6557% | 4,527 |
| Net charge-offs to loans | -0.0091% | 3,557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8921% | 809 |
| Assets per employee ($millions) | 5.6735% | 3,057 |
| Cash dividends to net income (ytd only)* | 155.7018% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 1,801 |
| Loan loss allowance to noncurrent loans | 8,857.1429% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 3,948 |
| Noncurrent loans to loans | 0.0157% | 3,847 |
| Net loans and leases to total assets | 51.7220% | 3,189 |
| Net loans and leases to deposits | 55.3151% | 3,433 |
| Net loans and leases to core deposits | 58.8007% | 3,362 |
| Total domestic deposits to total assets | 93.5043% | 391 |
| Equity capital to assets | 5.8999% | 4,230 |
| Core capital (leverage) ratio | 7.1783% | 4,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5982% | 1,831 |
| Memoranda: | ||
| Average total assets | $83,363,333 | 4,160 |
| Average earning assets | $79,137,000 | 4,128 |
| Average equity | $5,455,667 | 4,474 |
| Average total loans | $44,187,667 | 4,067 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8001% | 3,744 |
| Cost of funding earning assets | 0.3519% | 1,182 |
| Net interest margin | 2.4482% | 3,994 |
| Noninterest income to average assets | 1.0328% | 641 |
| Noninterest expense to average assets | 2.7154% | 1,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6107% | 3,363 |
| Return on assets (ROA) | 0.6061% | 3,354 |
| Pretax return on assets | 0.6401% | 3,535 |
| Return on Equity (ROE) | 8.8137% | 2,388 |
| Retained earnings to average equity (ytd only) | 1.9743% | 3,548 |
| Net charge-offs to loans | -0.0091% | 3,547 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8081% | 1,086 |
| Assets per employee ($millions) | 5.5559% | 3,270 |
| Cash dividends to net income (ytd only)* | 77.6000% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 1,871 |
| Loan loss allowance to noncurrent loans | 600.9709% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 2,947 |
| Noncurrent loans to loans | 0.2347% | 2,652 |
| Net loans and leases to total assets | 51.9259% | 2,994 |
| Net loans and leases to deposits | 55.8605% | 3,280 |
| Net loans and leases to core deposits | 59.6866% | 3,175 |
| Total domestic deposits to total assets | 92.9564% | 284 |
| Equity capital to assets | 6.4400% | 4,451 |
| Core capital (leverage) ratio | 7.3468% | 4,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1150% | 1,764 |
| Memoranda: | ||
| Average total assets | $82,493,500 | 4,188 |
| Average earning assets | $78,426,000 | 4,158 |
| Average equity | $5,673,000 | 4,501 |
| Average total loans | $43,963,000 | 4,079 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6377% | 2,288 |
| Cost of funding earning assets | 0.4052% | 1,514 |
| Net interest margin | 3.2325% | 2,506 |
| Noninterest income to average assets | 0.7847% | 1,490 |
| Noninterest expense to average assets | 2.9030% | 1,145 |
| Loan and lease loss provision to assets | 0.0740% | 1,626 |
| Net operating income to assets | 0.8359% | 3,217 |
| Return on assets (ROA) | 0.8476% | 3,260 |
| Pretax return on assets | 0.8908% | 3,530 |
| Return on Equity (ROE) | 11.1809% | 2,102 |
| Retained earnings to average equity (ytd only) | 1.7577% | 4,055 |
| Net charge-offs to loans | 0.0110% | 2,152 |
| Credit loss provision to net charge-offs | 1,200.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 154.4000% | 643 |
| Efficiency ratio | 75.2960% | 1,174 |
| Assets per employee ($millions) | 5.4433% | 3,314 |
| Cash dividends to net income (ytd only)* | 84.2795% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4035% | 1,905 |
| Loan loss allowance to noncurrent loans | 702.2727% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 3,175 |
| Noncurrent loans to loans | 0.1999% | 2,950 |
| Net loans and leases to total assets | 53.1727% | 2,946 |
| Net loans and leases to deposits | 57.7911% | 3,275 |
| Net loans and leases to core deposits | 61.6174% | 3,200 |
| Total domestic deposits to total assets | 92.0085% | 176 |
| Equity capital to assets | 7.3228% | 4,650 |
| Core capital (leverage) ratio | 7.4792% | 4,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9451% | 1,863 |
| Memoranda: | ||
| Average total assets | $81,054,600 | 4,203 |
| Average earning assets | $77,000,200 | 4,172 |
| Average equity | $6,144,400 | 4,517 |
| Average total loans | $45,532,600 | 4,076 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8454% | 1,926 |
| Cost of funding earning assets | 0.4145% | 1,588 |
| Net interest margin | 3.4309% | 2,071 |
| Noninterest income to average assets | 0.7877% | 1,563 |
| Noninterest expense to average assets | 2.9284% | 1,079 |
| Loan and lease loss provision to assets | 0.0742% | 1,563 |
| Net operating income to assets | 0.9926% | 2,942 |
| Return on assets (ROA) | 1.0020% | 2,963 |
| Pretax return on assets | 1.0547% | 3,312 |
| Return on Equity (ROE) | 13.1051% | 1,666 |
| Retained earnings to average equity (ytd only) | 2.4356% | 4,071 |
| Net charge-offs to loans | 0.0145% | 1,799 |
| Credit loss provision to net charge-offs | 900.0000% | 538 |
| Earnings coverage of net charge-offs (x) | 135.8000% | 719 |
| Efficiency ratio | 72.3534% | 1,371 |
| Assets per employee ($millions) | 5.5114% | 3,187 |
| Cash dividends to net income (ytd only)* | 81.4145% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,937 |
| Loan loss allowance to noncurrent loans | 662.6374% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 3,375 |
| Noncurrent loans to loans | 0.2145% | 3,095 |
| Net loans and leases to total assets | 50.5957% | 3,334 |
| Net loans and leases to deposits | 55.0144% | 3,653 |
| Net loans and leases to core deposits | 58.6163% | 3,576 |
| Total domestic deposits to total assets | 91.9682% | 136 |
| Equity capital to assets | 7.3605% | 4,741 |
| Core capital (leverage) ratio | 7.5101% | 4,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7126% | 1,718 |
| Memoranda: | ||
| Average total assets | $80,906,000 | 4,253 |
| Average earning assets | $76,869,000 | 4,222 |
| Average equity | $6,185,750 | 4,578 |
| Average total loans | $45,907,500 | 4,131 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 984 |
| Cost of funding earning assets | 0.4187% | 1,745 |
| Net interest margin | 3.8939% | 982 |
| Noninterest income to average assets | 0.8068% | 1,518 |
| Noninterest expense to average assets | 2.8661% | 1,222 |
| Loan and lease loss provision to assets | 0.0747% | 1,586 |
| Net operating income to assets | 1.4922% | 1,316 |
| Return on assets (ROA) | 1.5040% | 1,341 |
| Pretax return on assets | 1.5837% | 1,783 |
| Return on Equity (ROE) | 19.4233% | 503 |
| Retained earnings to average equity (ytd only) | 7.5249% | 2,240 |
| Net charge-offs to loans | 0.0212% | 1,521 |
| Credit loss provision to net charge-offs | 600.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 132.2000% | 638 |
| Efficiency ratio | 63.5210% | 2,498 |
| Assets per employee ($millions) | 5.6338% | 2,976 |
| Cash dividends to net income (ytd only)* | 61.2583% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 2,539 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 4,174 |
| Noncurrent loans to loans | 0.0305% | 4,051 |
| Net loans and leases to total assets | 53.6559% | 3,173 |
| Net loans and leases to deposits | 58.3422% | 3,516 |
| Net loans and leases to core deposits | 62.4559% | 3,421 |
| Total domestic deposits to total assets | 91.9675% | 131 |
| Equity capital to assets | 7.3745% | 4,774 |
| Core capital (leverage) ratio | 8.0567% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8764% | 1,669 |
| Memoranda: | ||
| Average total assets | $80,317,667 | 4,287 |
| Average earning assets | $76,427,000 | 4,254 |
| Average equity | $6,219,333 | 4,601 |
| Average total loans | $47,066,333 | 4,135 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2141% | 270 |
| Cost of funding earning assets | 0.4471% | 1,745 |
| Net interest margin | 4.7670% | 251 |
| Noninterest income to average assets | 0.7926% | 1,595 |
| Noninterest expense to average assets | 3.0682% | 879 |
| Loan and lease loss provision to assets | 0.0767% | 1,660 |
| Net operating income to assets | 2.0621% | 524 |
| Return on assets (ROA) | 2.0863% | 541 |
| Pretax return on assets | 2.1988% | 691 |
| Return on Equity (ROE) | 26.2675% | 223 |
| Retained earnings to average equity (ytd only) | 20.9883% | 237 |
| Net charge-offs to loans | -0.0084% | 3,604 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6923% | 3,346 |
| Assets per employee ($millions) | 4.7673% | 3,871 |
| Cash dividends to net income (ytd only)* | 20.0980% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 2,916 |
| Loan loss allowance to noncurrent loans | 2,067.8571% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 4,115 |
| Noncurrent loans to loans | 0.0582% | 3,994 |
| Net loans and leases to total assets | 58.6817% | 2,720 |
| Net loans and leases to deposits | 64.1358% | 3,111 |
| Net loans and leases to core deposits | 68.8807% | 2,979 |
| Total domestic deposits to total assets | 91.4960% | 243 |
| Equity capital to assets | 7.8377% | 4,578 |
| Core capital (leverage) ratio | 8.4188% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5408% | 1,728 |
| Memoranda: | ||
| Average total assets | $78,223,000 | 4,332 |
| Average earning assets | $74,260,000 | 4,297 |
| Average equity | $6,213,000 | 4,623 |
| Average total loans | $47,634,000 | 4,146 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1759% | 2,216 |
| Cost of funding earning assets | 0.6449% | 2,030 |
| Net interest margin | 3.5310% | 2,367 |
| Noninterest income to average assets | 0.7988% | 1,535 |
| Noninterest expense to average assets | 3.1233% | 1,188 |
| Loan and lease loss provision to assets | 0.0828% | 3,343 |
| Net operating income to assets | 0.8743% | 2,814 |
| Return on assets (ROA) | 0.8939% | 2,861 |
| Pretax return on assets | 0.9367% | 3,260 |
| Return on Equity (ROE) | 10.7820% | 1,710 |
| Retained earnings to average equity (ytd only) | 2.9285% | 3,404 |
| Net charge-offs to loans | 0.0062% | 3,121 |
| Credit loss provision to net charge-offs | 2,000.0000% | 444 |
| Earnings coverage of net charge-offs (x) | 241.3333% | 414 |
| Efficiency ratio | 75.7697% | 1,260 |
| Assets per employee ($millions) | 4.4354% | 3,983 |
| Cash dividends to net income (ytd only)* | 72.8395% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 2,980 |
| Loan loss allowance to noncurrent loans | 1,876.6667% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 4,153 |
| Noncurrent loans to loans | 0.0637% | 4,037 |
| Net loans and leases to total assets | 61.7596% | 2,642 |
| Net loans and leases to deposits | 67.7343% | 3,108 |
| Net loans and leases to core deposits | 73.1557% | 2,983 |
| Total domestic deposits to total assets | 91.1793% | 185 |
| Equity capital to assets | 8.0555% | 4,688 |
| Core capital (leverage) ratio | 8.2683% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6112% | 2,010 |
| Memoranda: | ||
| Average total assets | $72,488,200 | 4,350 |
| Average earning assets | $68,225,000 | 4,321 |
| Average equity | $6,010,000 | 4,645 |
| Average total loans | $48,463,400 | 4,138 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3929% | 1,863 |
| Cost of funding earning assets | 0.6860% | 2,114 |
| Net interest margin | 3.7069% | 1,917 |
| Noninterest income to average assets | 0.7822% | 1,569 |
| Noninterest expense to average assets | 3.1103% | 1,219 |
| Loan and lease loss provision to assets | 0.0836% | 3,269 |
| Net operating income to assets | 1.0177% | 2,269 |
| Return on assets (ROA) | 1.0442% | 2,298 |
| Pretax return on assets | 1.0999% | 2,745 |
| Return on Equity (ROE) | 12.5011% | 1,245 |
| Retained earnings to average equity (ytd only) | 4.0261% | 3,037 |
| Net charge-offs to loans | 0.0055% | 2,944 |
| Credit loss provision to net charge-offs | 2,250.0000% | 429 |
| Earnings coverage of net charge-offs (x) | 311.0000% | 346 |
| Efficiency ratio | 72.9094% | 1,536 |
| Assets per employee ($millions) | 4.4202% | 3,932 |
| Cash dividends to net income (ytd only)* | 67.7936% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 3,238 |
| Loan loss allowance to noncurrent loans | 1,407.6923% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 4,181 |
| Noncurrent loans to loans | 0.0777% | 4,061 |
| Net loans and leases to total assets | 66.0319% | 2,517 |
| Net loans and leases to deposits | 72.4291% | 3,094 |
| Net loans and leases to core deposits | 78.6517% | 2,953 |
| Total domestic deposits to total assets | 91.1676% | 140 |
| Equity capital to assets | 8.0845% | 4,683 |
| Core capital (leverage) ratio | 8.3686% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4983% | 2,003 |
| Memoranda: | ||
| Average total assets | $71,759,750 | 4,367 |
| Average earning assets | $67,440,750 | 4,341 |
| Average equity | $5,994,000 | 4,663 |
| Average total loans | $48,796,500 | 4,156 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7377% | 1,314 |
| Cost of funding earning assets | 0.7312% | 2,231 |
| Net interest margin | 4.0065% | 1,301 |
| Noninterest income to average assets | 0.7759% | 1,500 |
| Noninterest expense to average assets | 3.1884% | 1,185 |
| Loan and lease loss provision to assets | 0.0849% | 3,219 |
| Net operating income to assets | 1.1942% | 1,655 |
| Return on assets (ROA) | 1.2346% | 1,654 |
| Pretax return on assets | 1.2997% | 2,031 |
| Return on Equity (ROE) | 14.6137% | 769 |
| Retained earnings to average equity (ytd only) | 7.0387% | 1,649 |
| Net charge-offs to loans | 0.0083% | 2,651 |
| Credit loss provision to net charge-offs | 1,500.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 385 |
| Efficiency ratio | 70.3750% | 1,909 |
| Assets per employee ($millions) | 4.3574% | 3,946 |
| Cash dividends to net income (ytd only)* | 51.8349% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 3,108 |
| Loan loss allowance to noncurrent loans | 398.5075% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 3,627 |
| Noncurrent loans to loans | 0.2741% | 3,402 |
| Net loans and leases to total assets | 65.2825% | 2,725 |
| Net loans and leases to deposits | 71.7829% | 3,281 |
| Net loans and leases to core deposits | 77.8749% | 3,121 |
| Total domestic deposits to total assets | 90.9443% | 155 |
| Equity capital to assets | 8.2484% | 4,612 |
| Core capital (leverage) ratio | 8.5460% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9790% | 1,829 |
| Memoranda: | ||
| Average total assets | $70,631,667 | 4,393 |
| Average earning assets | $66,192,333 | 4,371 |
| Average equity | $5,967,000 | 4,692 |
| Average total loans | $48,339,333 | 4,172 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3734% | 2,707 |
| Cost of funding earning assets | 0.8025% | 2,382 |
| Net interest margin | 3.5708% | 2,767 |
| Noninterest income to average assets | 0.8533% | 1,161 |
| Noninterest expense to average assets | 3.2680% | 1,287 |
| Loan and lease loss provision to assets | 0.0871% | 2,604 |
| Net operating income to assets | 0.7894% | 2,940 |
| Return on assets (ROA) | 0.7894% | 3,029 |
| Pretax return on assets | 0.8301% | 3,331 |
| Return on Equity (ROE) | 9.2274% | 2,017 |
| Retained earnings to average equity (ytd only) | 4.4780% | 2,502 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0860% | 1,321 |
| Assets per employee ($millions) | 3.8185% | 4,147 |
| Cash dividends to net income (ytd only)* | 51.4706% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,393 |
| Loan loss allowance to noncurrent loans | 212.6531% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 3,011 |
| Noncurrent loans to loans | 0.4999% | 2,769 |
| Net loans and leases to total assets | 70.5527% | 2,161 |
| Net loans and leases to deposits | 77.9017% | 2,895 |
| Net loans and leases to core deposits | 85.5754% | 2,717 |
| Total domestic deposits to total assets | 90.5664% | 181 |
| Equity capital to assets | 8.5927% | 4,795 |
| Core capital (leverage) ratio | 8.6606% | 4,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2428% | 2,594 |
| Memoranda: | ||
| Average total assets | $68,910,000 | 4,429 |
| Average earning assets | $64,298,500 | 4,415 |
| Average equity | $5,895,500 | 4,734 |
| Average total loans | $48,063,000 | 4,189 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 3,100 |
| Cost of funding earning assets | 0.8787% | 2,292 |
| Net interest margin | 3.5777% | 3,206 |
| Noninterest income to average assets | 0.8601% | 1,273 |
| Noninterest expense to average assets | 3.2892% | 1,323 |
| Loan and lease loss provision to assets | 0.0881% | 2,260 |
| Net operating income to assets | 0.7926% | 3,578 |
| Return on assets (ROA) | 0.7926% | 3,657 |
| Pretax return on assets | 0.8175% | 3,936 |
| Return on Equity (ROE) | 9.1768% | 2,677 |
| Retained earnings to average equity (ytd only) | -1.6144% | 4,854 |
| Net charge-offs to loans | 0.0022% | 3,625 |
| Credit loss provision to net charge-offs | 6,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 617.0000% | 161 |
| Efficiency ratio | 78.4115% | 1,104 |
| Assets per employee ($millions) | 4.0639% | 3,828 |
| Cash dividends to net income (ytd only)* | 117.5926% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,085 |
| Loan loss allowance to noncurrent loans | 778.4615% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 4,153 |
| Noncurrent loans to loans | 0.1380% | 3,975 |
| Net loans and leases to total assets | 67.4599% | 2,761 |
| Net loans and leases to deposits | 74.4862% | 3,308 |
| Net loans and leases to core deposits | 82.2861% | 3,100 |
| Total domestic deposits to total assets | 90.5670% | 185 |
| Equity capital to assets | 8.5182% | 4,906 |
| Core capital (leverage) ratio | 8.6174% | 4,772 |
| Tier 1 risk-based capital ratio | 12.3409% | 4,168 |
| Total risk-based capital ratio | 13.4074% | 4,160 |
| Memoranda: | ||
| Average total assets | $68,132,000 | 4,463 |
| Average earning assets | $63,503,800 | 4,445 |
| Average equity | $5,884,400 | 4,772 |
| Average total loans | $46,215,000 | 4,258 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 3,223 |
| Cost of funding earning assets | 0.8792% | 2,323 |
| Net interest margin | 3.5671% | 3,342 |
| Noninterest income to average assets | 0.8484% | 1,281 |
| Noninterest expense to average assets | 3.2972% | 1,275 |
| Loan and lease loss provision to assets | 0.0884% | 2,135 |
| Net operating income to assets | 0.7541% | 3,840 |
| Return on assets (ROA) | 0.7541% | 3,903 |
| Pretax return on assets | 0.7934% | 4,131 |
| Return on Equity (ROE) | 8.7010% | 3,008 |
| Retained earnings to average equity (ytd only) | -3.4215% | 5,009 |
| Net charge-offs to loans | 0.0058% | 3,182 |
| Credit loss provision to net charge-offs | 2,250.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 224.2135% | 411 |
| Efficiency ratio | 78.9004% | 1,030 |
| Assets per employee ($millions) | 4.0872% | 3,779 |
| Cash dividends to net income (ytd only)* | 139.3230% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 3,290 |
| Loan loss allowance to noncurrent loans | 180.8118% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 2,949 |
| Noncurrent loans to loans | 0.5804% | 2,546 |
| Net loans and leases to total assets | 66.4911% | 2,991 |
| Net loans and leases to deposits | 73.3054% | 3,532 |
| Net loans and leases to core deposits | 80.8427% | 3,325 |
| Total domestic deposits to total assets | 90.7042% | 136 |
| Equity capital to assets | 8.3862% | 5,039 |
| Core capital (leverage) ratio | 8.5765% | 4,905 |
| Tier 1 risk-based capital ratio | 12.2316% | 4,291 |
| Total risk-based capital ratio | 13.2651% | 4,300 |
| Memoranda: | ||
| Average total assets | $67,893,250 | 4,518 |
| Average earning assets | $63,392,000 | 4,500 |
| Average equity | $5,884,250 | 4,835 |
| Average total loans | $45,990,750 | 4,313 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4476% | 3,189 |
| Cost of funding earning assets | 0.8602% | 2,353 |
| Net interest margin | 3.5874% | 3,304 |
| Noninterest income to average assets | 0.8016% | 1,343 |
| Noninterest expense to average assets | 3.3074% | 1,268 |
| Loan and lease loss provision to assets | 0.0891% | 2,065 |
| Net operating income to assets | 0.7096% | 3,976 |
| Return on assets (ROA) | 0.7096% | 4,030 |
| Pretax return on assets | 0.7482% | 4,221 |
| Return on Equity (ROE) | 8.0971% | 3,252 |
| Retained earnings to average equity (ytd only) | -4.4721% | 5,034 |
| Net charge-offs to loans | 0.0044% | 3,009 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 280 |
| Efficiency ratio | 79.7994% | 981 |
| Assets per employee ($millions) | 3.7141% | 4,222 |
| Cash dividends to net income (ytd only)* | 155.2301% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 3,511 |
| Loan loss allowance to noncurrent loans | 471.2871% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 4,012 |
| Noncurrent loans to loans | 0.2160% | 3,765 |
| Net loans and leases to total assets | 69.2195% | 2,642 |
| Net loans and leases to deposits | 76.6159% | 3,277 |
| Net loans and leases to core deposits | 84.8494% | 3,047 |
| Total domestic deposits to total assets | 90.3461% | 229 |
| Equity capital to assets | 8.7280% | 4,936 |
| Core capital (leverage) ratio | 8.6411% | 4,885 |
| Tier 1 risk-based capital ratio | 12.2752% | 4,252 |
| Total risk-based capital ratio | 13.2776% | 4,290 |
| Memoranda: | ||
| Average total assets | $67,363,330 | 4,561 |
| Average earning assets | $62,775,330 | 4,545 |
| Average equity | $5,903,330 | 4,858 |
| Average total loans | $45,757,670 | 4,351 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 3,291 |
| Cost of funding earning assets | 0.8334% | 2,358 |
| Net interest margin | 3.5500% | 3,430 |
| Noninterest income to average assets | 0.8164% | 1,247 |
| Noninterest expense to average assets | 3.2713% | 1,346 |
| Loan and lease loss provision to assets | 0.0887% | 1,937 |
| Net operating income to assets | 0.7217% | 3,869 |
| Return on assets (ROA) | 0.7217% | 3,915 |
| Pretax return on assets | 0.7572% | 4,159 |
| Return on Equity (ROE) | 8.2189% | 3,161 |
| Retained earnings to average equity (ytd only) | 2.2232% | 4,004 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4540% | 1,109 |
| Assets per employee ($millions) | 3.9968% | 3,929 |
| Cash dividends to net income (ytd only)* | 72.9508% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,474 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 4,759 |
| Noncurrent loans to loans | 0.0315% | 4,634 |
| Net loans and leases to total assets | 64.7558% | 3,200 |
| Net loans and leases to deposits | 71.7157% | 3,622 |
| Net loans and leases to core deposits | 78.8329% | 3,461 |
| Total domestic deposits to total assets | 90.2952% | 358 |
| Equity capital to assets | 8.7864% | 4,834 |
| Core capital (leverage) ratio | 8.8240% | 4,774 |
| Tier 1 risk-based capital ratio | 12.9926% | 3,881 |
| Total risk-based capital ratio | 13.9940% | 3,911 |
| Memoranda: | ||
| Average total assets | $67,618,000 | 4,609 |
| Average earning assets | $62,873,000 | 4,596 |
| Average equity | $5,937,500 | 4,899 |
| Average total loans | $45,260,500 | 4,406 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3333% | 2,988 |
| Cost of funding earning assets | 0.6968% | 2,110 |
| Net interest margin | 3.6365% | 3,263 |
| Noninterest income to average assets | 1.0096% | 929 |
| Noninterest expense to average assets | 3.2147% | 1,515 |
| Loan and lease loss provision to assets | 0.0966% | 2,227 |
| Net operating income to assets | 1.0319% | 2,880 |
| Return on assets (ROA) | 1.0319% | 2,865 |
| Pretax return on assets | 1.0973% | 3,277 |
| Return on Equity (ROE) | 11.8746% | 1,759 |
| Retained earnings to average equity (ytd only) | 2.2928% | 4,235 |
| Net charge-offs to loans | -0.0344% | 4,858 |
| Credit loss provision to net charge-offs | -406.2500% | 4,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9174% | 1,782 |
| Assets per employee ($millions) | 3.9582% | 3,949 |
| Cash dividends to net income (ytd only)* | 80.6916% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 3,860 |
| Loan loss allowance to noncurrent loans | 971.7391% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 4,490 |
| Noncurrent loans to loans | 0.0999% | 4,281 |
| Net loans and leases to total assets | 67.7857% | 2,907 |
| Net loans and leases to deposits | 75.1165% | 3,419 |
| Net loans and leases to core deposits | 82.6143% | 3,211 |
| Total domestic deposits to total assets | 90.2407% | 399 |
| Equity capital to assets | 8.7754% | 4,751 |
| Core capital (leverage) ratio | 8.7808% | 4,824 |
| Tier 1 risk-based capital ratio | 12.5108% | 4,128 |
| Total risk-based capital ratio | 13.4489% | 4,175 |
| Memoranda: | ||
| Average total assets | $67,254,200 | 4,630 |
| Average earning assets | $62,862,000 | 4,610 |
| Average equity | $5,844,400 | 4,925 |
| Average total loans | $46,504,600 | 4,386 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 3,095 |
| Cost of funding earning assets | 0.6652% | 2,063 |
| Net interest margin | 3.5992% | 3,371 |
| Noninterest income to average assets | 0.9140% | 1,158 |
| Noninterest expense to average assets | 3.2041% | 1,512 |
| Loan and lease loss provision to assets | 0.1289% | 1,560 |
| Net operating income to assets | 0.9021% | 3,518 |
| Return on assets (ROA) | 0.9021% | 3,522 |
| Pretax return on assets | 0.9497% | 3,880 |
| Return on Equity (ROE) | 10.4070% | 2,433 |
| Retained earnings to average equity (ytd only) | 2.1500% | 4,521 |
| Net charge-offs to loans | -0.0543% | 4,964 |
| Credit loss provision to net charge-offs | -342.1053% | 4,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8148% | 1,478 |
| Assets per employee ($millions) | 3.9017% | 4,041 |
| Cash dividends to net income (ytd only)* | 79.3406% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 4,002 |
| Loan loss allowance to noncurrent loans | 283.0189% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 3,763 |
| Noncurrent loans to loans | 0.3396% | 3,443 |
| Net loans and leases to total assets | 69.9166% | 2,662 |
| Net loans and leases to deposits | 77.4698% | 3,282 |
| Net loans and leases to core deposits | 87.0500% | 2,917 |
| Total domestic deposits to total assets | 90.2501% | 427 |
| Equity capital to assets | 8.8272% | 4,695 |
| Core capital (leverage) ratio | 8.7388% | 4,931 |
| Tier 1 risk-based capital ratio | 12.1934% | 4,383 |
| Total risk-based capital ratio | 13.1201% | 4,453 |
| Memoranda: | ||
| Average total assets | $67,245,250 | 4,677 |
| Average earning assets | $62,939,000 | 4,656 |
| Average equity | $5,829,250 | 4,975 |
| Average total loans | $46,615,750 | 4,426 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 3,204 |
| Cost of funding earning assets | 0.6394% | 1,990 |
| Net interest margin | 3.5310% | 3,530 |
| Noninterest income to average assets | 0.8438% | 1,338 |
| Noninterest expense to average assets | 3.1828% | 1,584 |
| Loan and lease loss provision to assets | 0.1924% | 897 |
| Net operating income to assets | 0.7491% | 4,033 |
| Return on assets (ROA) | 0.7491% | 4,036 |
| Pretax return on assets | 0.7876% | 4,285 |
| Return on Equity (ROE) | 8.6932% | 3,175 |
| Retained earnings to average equity (ytd only) | 1.3744% | 4,672 |
| Net charge-offs to loans | -0.0859% | 5,114 |
| Credit loss provision to net charge-offs | -325.0000% | 4,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4580% | 1,371 |
| Assets per employee ($millions) | 3.9548% | 3,977 |
| Cash dividends to net income (ytd only)* | 84.1897% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 4,102 |
| Loan loss allowance to noncurrent loans | 278.3951% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 3,803 |
| Noncurrent loans to loans | 0.3423% | 3,473 |
| Net loans and leases to total assets | 69.7198% | 2,623 |
| Net loans and leases to deposits | 77.0688% | 3,248 |
| Net loans and leases to core deposits | 86.4132% | 2,888 |
| Total domestic deposits to total assets | 90.4644% | 409 |
| Equity capital to assets | 8.6492% | 4,843 |
| Core capital (leverage) ratio | 8.7087% | 4,951 |
| Tier 1 risk-based capital ratio | 12.0560% | 4,460 |
| Total risk-based capital ratio | 12.9845% | 4,540 |
| Memoranda: | ||
| Average total assets | $67,550,670 | 4,727 |
| Average earning assets | $63,494,000 | 4,700 |
| Average equity | $5,820,670 | 5,030 |
| Average total loans | $46,546,000 | 4,470 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 3,291 |
| Cost of funding earning assets | 0.5966% | 2,078 |
| Net interest margin | 3.4857% | 3,585 |
| Noninterest income to average assets | 0.8271% | 1,369 |
| Noninterest expense to average assets | 3.2078% | 1,548 |
| Loan and lease loss provision to assets | 0.1182% | 1,597 |
| Net operating income to assets | 0.7384% | 3,951 |
| Return on assets (ROA) | 0.7384% | 3,953 |
| Pretax return on assets | 0.7798% | 4,202 |
| Return on Equity (ROE) | 8.5859% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.3495% | 2,121 |
| Net charge-offs to loans | -0.0347% | 4,807 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1295% | 1,343 |
| Assets per employee ($millions) | 3.7681% | 4,332 |
| Cash dividends to net income (ytd only)* | 14.4000% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 4,600 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 4,520 |
| Noncurrent loans to loans | 0.1721% | 4,208 |
| Net loans and leases to total assets | 66.2514% | 2,993 |
| Net loans and leases to deposits | 73.2306% | 3,492 |
| Net loans and leases to core deposits | 82.4692% | 3,106 |
| Total domestic deposits to total assets | 90.4696% | 484 |
| Equity capital to assets | 8.6664% | 4,844 |
| Core capital (leverage) ratio | 8.7979% | 4,895 |
| Tier 1 risk-based capital ratio | 12.6958% | 4,114 |
| Total risk-based capital ratio | 13.5323% | 4,283 |
| Memoranda: | ||
| Average total assets | $67,710,000 | 4,780 |
| Average earning assets | $63,689,000 | 4,755 |
| Average equity | $5,823,500 | 5,083 |
| Average total loans | $46,156,500 | 4,532 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9572% | 3,543 |
| Cost of funding earning assets | 0.4848% | 2,461 |
| Net interest margin | 3.4724% | 3,615 |
| Noninterest income to average assets | 1.1640% | 761 |
| Noninterest expense to average assets | 3.2512% | 1,497 |
| Loan and lease loss provision to assets | 0.1846% | 1,153 |
| Net operating income to assets | 0.8833% | 2,801 |
| Return on assets (ROA) | 0.8833% | 2,823 |
| Pretax return on assets | 0.9867% | 3,629 |
| Return on Equity (ROE) | 10.5356% | 1,662 |
| Retained earnings to average equity (ytd only) | 3.3474% | 3,294 |
| Net charge-offs to loans | 0.2539% | 1,032 |
| Credit loss provision to net charge-offs | 105.9322% | 2,431 |
| Earnings coverage of net charge-offs (x) | 6.7203% | 3,146 |
| Efficiency ratio | 73.5137% | 1,980 |
| Assets per employee ($millions) | 3.7553% | 4,351 |
| Cash dividends to net income (ytd only)* | 68.2274% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7789% | 4,885 |
| Loan loss allowance to noncurrent loans | 2,033.3333% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 5,017 |
| Noncurrent loans to loans | 0.0383% | 4,839 |
| Net loans and leases to total assets | 68.9726% | 2,692 |
| Net loans and leases to deposits | 76.1648% | 3,314 |
| Net loans and leases to core deposits | 85.8458% | 2,916 |
| Total domestic deposits to total assets | 90.5570% | 374 |
| Equity capital to assets | 8.5347% | 5,096 |
| Core capital (leverage) ratio | 8.5996% | 5,040 |
| Tier 1 risk-based capital ratio | 12.0612% | 4,487 |
| Total risk-based capital ratio | 12.8188% | 4,704 |
| Memoranda: | ||
| Average total assets | $67,698,600 | 4,817 |
| Average earning assets | $63,529,800 | 4,796 |
| Average equity | $5,676,000 | 5,151 |
| Average total loans | $46,484,000 | 4,554 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9269% | 3,595 |
| Cost of funding earning assets | 0.4809% | 2,426 |
| Net interest margin | 3.4460% | 3,690 |
| Noninterest income to average assets | 1.1852% | 734 |
| Noninterest expense to average assets | 3.1598% | 1,656 |
| Loan and lease loss provision to assets | 0.2166% | 861 |
| Net operating income to assets | 0.9174% | 2,934 |
| Return on assets (ROA) | 0.9174% | 2,998 |
| Pretax return on assets | 1.0395% | 3,528 |
| Return on Equity (ROE) | 10.9915% | 1,702 |
| Retained earnings to average equity (ytd only) | 3.7032% | 3,722 |
| Net charge-offs to loans | 0.1064% | 1,725 |
| Credit loss provision to net charge-offs | 297.2973% | 998 |
| Earnings coverage of net charge-offs (x) | 17.2441% | 2,111 |
| Efficiency ratio | 71.5560% | 2,269 |
| Assets per employee ($millions) | 3.7513% | 4,370 |
| Cash dividends to net income (ytd only)* | 66.3088% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 4,497 |
| Loan loss allowance to noncurrent loans | 121.0084% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.5287% | 2,945 |
| Noncurrent loans to loans | 0.7553% | 2,473 |
| Net loans and leases to total assets | 69.3616% | 2,651 |
| Net loans and leases to deposits | 76.5766% | 3,318 |
| Net loans and leases to core deposits | 85.5199% | 3,009 |
| Total domestic deposits to total assets | 90.5780% | 303 |
| Equity capital to assets | 8.5215% | 5,273 |
| Core capital (leverage) ratio | 8.6001% | 5,164 |
| Tier 1 risk-based capital ratio | 12.1198% | 4,538 |
| Total risk-based capital ratio | 13.0235% | 4,653 |
| Memoranda: | ||
| Average total assets | $67,724,500 | 4,866 |
| Average earning assets | $63,492,000 | 4,846 |
| Average equity | $5,652,750 | 5,208 |
| Average total loans | $46,358,000 | 4,599 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 3,734 |
| Cost of funding earning assets | 0.4714% | 2,401 |
| Net interest margin | 3.3751% | 3,856 |
| Noninterest income to average assets | 1.0650% | 888 |
| Noninterest expense to average assets | 3.1508% | 1,702 |
| Loan and lease loss provision to assets | 0.2803% | 564 |
| Net operating income to assets | 0.7553% | 3,610 |
| Return on assets (ROA) | 0.7553% | 3,665 |
| Pretax return on assets | 0.8025% | 4,268 |
| Return on Equity (ROE) | 9.1119% | 2,460 |
| Retained earnings to average equity (ytd only) | 2.6695% | 4,104 |
| Net charge-offs to loans | 0.1303% | 1,379 |
| Credit loss provision to net charge-offs | 316.6667% | 925 |
| Earnings coverage of net charge-offs (x) | 12.2333% | 2,211 |
| Efficiency ratio | 74.4251% | 1,936 |
| Assets per employee ($millions) | 3.7114% | 4,420 |
| Cash dividends to net income (ytd only)* | 70.7031% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 4,618 |
| Loan loss allowance to noncurrent loans | 121.1429% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 3,013 |
| Noncurrent loans to loans | 0.7477% | 2,529 |
| Net loans and leases to total assets | 69.4319% | 2,603 |
| Net loans and leases to deposits | 76.5653% | 3,277 |
| Net loans and leases to core deposits | 85.7328% | 2,906 |
| Total domestic deposits to total assets | 90.6833% | 303 |
| Equity capital to assets | 8.4844% | 5,316 |
| Core capital (leverage) ratio | 8.3147% | 5,344 |
| Tier 1 risk-based capital ratio | 12.1300% | 4,548 |
| Total risk-based capital ratio | 13.0304% | 4,664 |
| Memoranda: | ||
| Average total assets | $67,791,670 | 4,905 |
| Average earning assets | $63,643,330 | 4,877 |
| Average equity | $5,619,000 | 5,250 |
| Average total loans | $46,055,000 | 4,632 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 3,965 |
| Cost of funding earning assets | 0.4622% | 2,411 |
| Net interest margin | 3.2792% | 4,084 |
| Noninterest income to average assets | 0.9490% | 1,108 |
| Noninterest expense to average assets | 3.2452% | 1,490 |
| Loan and lease loss provision to assets | 0.3808% | 300 |
| Net operating income to assets | 0.3632% | 5,041 |
| Return on assets (ROA) | 0.3632% | 5,061 |
| Pretax return on assets | 0.3983% | 5,160 |
| Return on Equity (ROE) | 4.4329% | 4,624 |
| Retained earnings to average equity (ytd only) | 2.2880% | 4,225 |
| Net charge-offs to loans | 0.0525% | 1,817 |
| Credit loss provision to net charge-offs | 1,083.3333% | 289 |
| Earnings coverage of net charge-offs (x) | 22.1667% | 1,426 |
| Efficiency ratio | 80.6405% | 1,300 |
| Assets per employee ($millions) | 3.7761% | 4,378 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 4,693 |
| Loan loss allowance to noncurrent loans | 1,672.0000% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 5,165 |
| Noncurrent loans to loans | 0.0548% | 4,975 |
| Net loans and leases to total assets | 66.4906% | 2,898 |
| Net loans and leases to deposits | 73.0994% | 3,497 |
| Net loans and leases to core deposits | 82.3353% | 3,060 |
| Total domestic deposits to total assets | 90.9591% | 311 |
| Equity capital to assets | 8.2685% | 5,374 |
| Core capital (leverage) ratio | 8.2233% | 5,427 |
| Tier 1 risk-based capital ratio | 12.2823% | 4,518 |
| Total risk-based capital ratio | 13.1879% | 4,660 |
| Memoranda: | ||
| Average total assets | $68,285,000 | 4,946 |
| Average earning assets | $64,040,000 | 4,918 |
| Average equity | $5,594,500 | 5,303 |
| Average total loans | $45,678,500 | 4,685 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 3,660 |
| Cost of funding earning assets | 0.4794% | 2,263 |
| Net interest margin | 3.3967% | 3,836 |
| Noninterest income to average assets | 1.0767% | 972 |
| Noninterest expense to average assets | 3.2725% | 1,636 |
| Loan and lease loss provision to assets | 0.8477% | 135 |
| Net operating income to assets | 0.1050% | 5,553 |
| Return on assets (ROA) | 0.1050% | 5,586 |
| Pretax return on assets | 0.1298% | 5,563 |
| Return on Equity (ROE) | 1.3613% | 5,508 |
| Retained earnings to average equity (ytd only) | -0.8508% | 5,425 |
| Net charge-offs to loans | 1.3210% | 121 |
| Credit loss provision to net charge-offs | 93.7097% | 2,732 |
| Earnings coverage of net charge-offs (x) | 1.0806% | 4,044 |
| Efficiency ratio | 76.9997% | 1,847 |
| Assets per employee ($millions) | 3.8112% | 4,290 |
| Cash dividends to net income (ytd only)* | 162.5000% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7848% | 5,148 |
| Loan loss allowance to noncurrent loans | 1,560.8696% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 5,234 |
| Noncurrent loans to loans | 0.0503% | 5,047 |
| Net loans and leases to total assets | 66.1608% | 3,051 |
| Net loans and leases to deposits | 72.6739% | 3,641 |
| Net loans and leases to core deposits | 81.2266% | 3,290 |
| Total domestic deposits to total assets | 91.0380% | 269 |
| Equity capital to assets | 8.1180% | 5,508 |
| Core capital (leverage) ratio | 8.1117% | 5,556 |
| Tier 1 risk-based capital ratio | 12.3097% | 4,500 |
| Total risk-based capital ratio | 13.0937% | 4,728 |
| Memoranda: | ||
| Average total assets | $68,540,800 | 4,965 |
| Average earning assets | $64,031,800 | 4,940 |
| Average equity | $5,289,000 | 5,413 |
| Average total loans | $46,934,200 | 4,670 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 3,615 |
| Cost of funding earning assets | 0.4748% | 2,319 |
| Net interest margin | 3.4155% | 3,796 |
| Noninterest income to average assets | 1.0662% | 995 |
| Noninterest expense to average assets | 3.3855% | 1,371 |
| Loan and lease loss provision to assets | 1.1305% | 84 |
| Net operating income to assets | -0.2782% | 5,817 |
| Return on assets (ROA) | -0.2782% | 5,824 |
| Pretax return on assets | -0.2588% | 5,808 |
| Return on Equity (ROE) | -3.6532% | 5,845 |
| Retained earnings to average equity (ytd only) | -6.6423% | 5,784 |
| Net charge-offs to loans | 0.6803% | 279 |
| Credit loss provision to net charge-offs | 241.0788% | 1,230 |
| Earnings coverage of net charge-offs (x) | 1.8589% | 3,649 |
| Efficiency ratio | 79.5247% | 1,492 |
| Assets per employee ($millions) | 3.8058% | 4,289 |
| Cash dividends to net income (ytd only)* | -81.8210% | 5,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 1,670 |
| Loan loss allowance to noncurrent loans | 179.1262% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 3,099 |
| Noncurrent loans to loans | 0.8520% | 2,549 |
| Net loans and leases to total assets | 69.5132% | 2,567 |
| Net loans and leases to deposits | 76.1019% | 3,391 |
| Net loans and leases to core deposits | 85.5628% | 2,986 |
| Total domestic deposits to total assets | 91.3422% | 136 |
| Equity capital to assets | 7.8418% | 5,784 |
| Core capital (leverage) ratio | 7.9129% | 5,717 |
| Tier 1 risk-based capital ratio | 11.1566% | 5,283 |
| Total risk-based capital ratio | 12.4084% | 5,192 |
| Memoranda: | ||
| Average total assets | $68,525,750 | 5,006 |
| Average earning assets | $64,020,250 | 4,983 |
| Average equity | $5,219,000 | 5,486 |
| Average total loans | $47,231,250 | 4,693 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8231% | 3,876 |
| Cost of funding earning assets | 0.4736% | 2,329 |
| Net interest margin | 3.3495% | 4,059 |
| Noninterest income to average assets | 1.0739% | 970 |
| Noninterest expense to average assets | 3.4290% | 1,321 |
| Loan and lease loss provision to assets | 1.6810% | 53 |
| Net operating income to assets | -0.9018% | 5,973 |
| Return on assets (ROA) | -0.9018% | 5,976 |
| Pretax return on assets | -0.8988% | 5,966 |
| Return on Equity (ROE) | -11.9582% | 5,986 |
| Retained earnings to average equity (ytd only) | -16.4861% | 5,946 |
| Net charge-offs to loans | 1.0287% | 174 |
| Credit loss provision to net charge-offs | 239.0041% | 1,145 |
| Earnings coverage of net charge-offs (x) | 1.1120% | 3,454 |
| Efficiency ratio | 81.4276% | 1,336 |
| Assets per employee ($millions) | 3.7893% | 4,281 |
| Cash dividends to net income (ytd only)* | -37.8641% | 6,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 1,872 |
| Loan loss allowance to noncurrent loans | 177.7240% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 3,208 |
| Noncurrent loans to loans | 0.8423% | 2,639 |
| Net loans and leases to total assets | 70.8143% | 2,351 |
| Net loans and leases to deposits | 77.3497% | 3,227 |
| Net loans and leases to core deposits | 86.6028% | 2,847 |
| Total domestic deposits to total assets | 91.5508% | 121 |
| Equity capital to assets | 7.6545% | 5,883 |
| Core capital (leverage) ratio | 7.6171% | 5,853 |
| Tier 1 risk-based capital ratio | 10.6816% | 5,593 |
| Total risk-based capital ratio | 11.9341% | 5,505 |
| Memoranda: | ||
| Average total assets | $68,532,670 | 5,057 |
| Average earning assets | $64,188,670 | 5,025 |
| Average equity | $5,168,000 | 5,553 |
| Average total loans | $46,855,670 | 4,742 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7885% | 3,984 |
| Cost of funding earning assets | 0.4666% | 2,412 |
| Net interest margin | 3.3219% | 4,136 |
| Noninterest income to average assets | 1.1704% | 805 |
| Noninterest expense to average assets | 3.4704% | 1,235 |
| Loan and lease loss provision to assets | 3.1152% | 20 |
| Net operating income to assets | -2.2767% | 6,078 |
| Return on assets (ROA) | -2.2767% | 6,078 |
| Pretax return on assets | -2.3058% | 6,080 |
| Return on Equity (ROE) | -30.4191% | 6,086 |
| Retained earnings to average equity (ytd only) | -39.5215% | 6,058 |
| Net charge-offs to loans | 2.1064% | 69 |
| Credit loss provision to net charge-offs | 221.9917% | 1,015 |
| Earnings coverage of net charge-offs (x) | 0.5768% | 2,914 |
| Efficiency ratio | 81.0884% | 1,474 |
| Assets per employee ($millions) | 3.8205% | 4,261 |
| Cash dividends to net income (ytd only)* | -29.9233% | 6,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 1,956 |
| Loan loss allowance to noncurrent loans | 157.2727% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 3,138 |
| Noncurrent loans to loans | 0.9576% | 2,461 |
| Net loans and leases to total assets | 65.8102% | 2,980 |
| Net loans and leases to deposits | 71.7113% | 3,676 |
| Net loans and leases to core deposits | 81.3711% | 3,190 |
| Total domestic deposits to total assets | 91.7710% | 129 |
| Equity capital to assets | 7.4728% | 5,953 |
| Core capital (leverage) ratio | 7.5380% | 5,919 |
| Tier 1 risk-based capital ratio | 11.1506% | 5,424 |
| Total risk-based capital ratio | 12.4027% | 5,331 |
| Memoranda: | ||
| Average total assets | $68,695,000 | 5,099 |
| Average earning assets | $64,300,500 | 5,072 |
| Average equity | $5,141,500 | 5,598 |
| Average total loans | $45,766,000 | 4,812 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 3,138 |
| Cost of funding earning assets | 0.4464% | 2,662 |
| Net interest margin | 3.5990% | 3,139 |
| Noninterest income to average assets | 1.0838% | 1,003 |
| Noninterest expense to average assets | 3.4156% | 1,456 |
| Loan and lease loss provision to assets | 0.0872% | 2,551 |
| Net operating income to assets | 0.9269% | 2,717 |
| Return on assets (ROA) | 0.9269% | 2,811 |
| Pretax return on assets | 0.9429% | 3,684 |
| Return on Equity (ROE) | 12.2579% | 1,240 |
| Retained earnings to average equity (ytd only) | -3.0164% | 5,822 |
| Net charge-offs to loans | 0.2816% | 1,080 |
| Credit loss provision to net charge-offs | 43.7956% | 3,484 |
| Earnings coverage of net charge-offs (x) | 5.1752% | 3,425 |
| Efficiency ratio | 76.8301% | 2,145 |
| Assets per employee ($millions) | 3.8123% | 4,267 |
| Cash dividends to net income (ytd only)* | 124.6082% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 5,189 |
| Loan loss allowance to noncurrent loans | 58.9630% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 0.9837% | 2,234 |
| Noncurrent loans to loans | 1.4808% | 1,568 |
| Net loans and leases to total assets | 65.8472% | 3,003 |
| Net loans and leases to deposits | 71.8362% | 3,733 |
| Net loans and leases to core deposits | 81.5393% | 3,197 |
| Total domestic deposits to total assets | 91.6629% | 148 |
| Equity capital to assets | 7.4962% | 5,985 |
| Core capital (leverage) ratio | 7.3940% | 5,995 |
| Tier 1 risk-based capital ratio | 11.1554% | 5,439 |
| Total risk-based capital ratio | 12.0123% | 5,559 |
| Memoranda: | ||
| Average total assets | $68,831,800 | 5,114 |
| Average earning assets | $64,296,400 | 5,079 |
| Average equity | $5,204,800 | 5,605 |
| Average total loans | $48,649,800 | 4,716 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 2,877 |
| Cost of funding earning assets | 0.4396% | 2,801 |
| Net interest margin | 3.6765% | 2,861 |
| Noninterest income to average assets | 1.0433% | 1,097 |
| Noninterest expense to average assets | 3.3504% | 1,575 |
| Loan and lease loss provision to assets | 0.0871% | 2,416 |
| Net operating income to assets | 0.9852% | 2,540 |
| Return on assets (ROA) | 0.9852% | 2,625 |
| Pretax return on assets | 1.0375% | 3,477 |
| Return on Equity (ROE) | 13.0010% | 1,120 |
| Retained earnings to average equity (ytd only) | -5.7215% | 6,047 |
| Net charge-offs to loans | 0.0108% | 3,801 |
| Credit loss provision to net charge-offs | 1,125.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 145.3377% | 475 |
| Efficiency ratio | 74.8702% | 2,429 |
| Assets per employee ($millions) | 3.8219% | 4,222 |
| Cash dividends to net income (ytd only)* | 144.0080% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 4,391 |
| Loan loss allowance to noncurrent loans | 177.9310% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 3,547 |
| Noncurrent loans to loans | 0.6014% | 3,520 |
| Net loans and leases to total assets | 69.3481% | 2,482 |
| Net loans and leases to deposits | 75.4969% | 3,369 |
| Net loans and leases to core deposits | 84.6232% | 2,971 |
| Total domestic deposits to total assets | 91.8555% | 111 |
| Equity capital to assets | 7.3915% | 6,087 |
| Core capital (leverage) ratio | 7.5384% | 6,047 |
| Tier 1 risk-based capital ratio | 10.4822% | 5,887 |
| Total risk-based capital ratio | 11.5400% | 5,888 |
| Memoranda: | ||
| Average total assets | $68,884,500 | 5,179 |
| Average earning assets | $64,299,000 | 5,142 |
| Average equity | $5,220,000 | 5,670 |
| Average total loans | $49,416,500 | 4,738 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 2,696 |
| Cost of funding earning assets | 0.4380% | 2,867 |
| Net interest margin | 3.7184% | 2,631 |
| Noninterest income to average assets | 0.9983% | 1,186 |
| Noninterest expense to average assets | 3.2881% | 1,739 |
| Loan and lease loss provision to assets | 0.0871% | 2,367 |
| Net operating income to assets | 1.0419% | 2,171 |
| Return on assets (ROA) | 1.0419% | 2,290 |
| Pretax return on assets | 1.0970% | 3,186 |
| Return on Equity (ROE) | 13.6372% | 974 |
| Retained earnings to average equity (ytd only) | -5.8500% | 6,057 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5237% | 2,746 |
| Assets per employee ($millions) | 3.7114% | 4,403 |
| Cash dividends to net income (ytd only)* | 142.8969% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 4,646 |
| Loan loss allowance to noncurrent loans | 317.6101% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 4,928 |
| Noncurrent loans to loans | 0.3280% | 4,517 |
| Net loans and leases to total assets | 71.8094% | 2,018 |
| Net loans and leases to deposits | 78.4488% | 2,974 |
| Net loans and leases to core deposits | 88.7797% | 2,477 |
| Total domestic deposits to total assets | 91.5367% | 178 |
| Equity capital to assets | 7.7119% | 6,074 |
| Core capital (leverage) ratio | 7.6521% | 6,052 |
| Tier 1 risk-based capital ratio | 10.4820% | 5,930 |
| Total risk-based capital ratio | 11.5032% | 5,956 |
| Memoranda: | ||
| Average total assets | $68,914,330 | 5,236 |
| Average earning assets | $64,383,330 | 5,193 |
| Average equity | $5,265,000 | 5,717 |
| Average total loans | $49,814,000 | 4,756 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1108% | 2,785 |
| Cost of funding earning assets | 0.4282% | 2,990 |
| Net interest margin | 3.6826% | 2,689 |
| Noninterest income to average assets | 1.1148% | 914 |
| Noninterest expense to average assets | 3.2357% | 1,888 |
| Loan and lease loss provision to assets | 0.0858% | 2,260 |
| Net operating income to assets | 1.1720% | 1,627 |
| Return on assets (ROA) | 1.1720% | 1,732 |
| Pretax return on assets | 1.2348% | 2,529 |
| Return on Equity (ROE) | 15.4092% | 648 |
| Retained earnings to average equity (ytd only) | 1.2027% | 5,004 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0163% | 3,318 |
| Assets per employee ($millions) | 3.6767% | 4,562 |
| Cash dividends to net income (ytd only)* | 92.1951% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 5,052 |
| Loan loss allowance to noncurrent loans | 223.7443% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 4,733 |
| Noncurrent loans to loans | 0.4452% | 4,250 |
| Net loans and leases to total assets | 69.7186% | 2,180 |
| Net loans and leases to deposits | 76.0465% | 3,048 |
| Net loans and leases to core deposits | 85.5447% | 2,598 |
| Total domestic deposits to total assets | 91.6788% | 195 |
| Equity capital to assets | 7.6326% | 6,145 |
| Core capital (leverage) ratio | 7.6688% | 6,083 |
| Tier 1 risk-based capital ratio | 10.7385% | 5,923 |
| Total risk-based capital ratio | 11.7213% | 5,970 |
| Memoranda: | ||
| Average total assets | $69,968,500 | 5,259 |
| Average earning assets | $65,389,000 | 5,220 |
| Average equity | $5,321,500 | 5,753 |
| Average total loans | $50,482,000 | 4,769 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1990% | 2,961 |
| Cost of funding earning assets | 0.4572% | 3,101 |
| Net interest margin | 3.7418% | 2,840 |
| Noninterest income to average assets | 1.1284% | 955 |
| Noninterest expense to average assets | 3.3126% | 1,898 |
| Loan and lease loss provision to assets | 0.0498% | 3,564 |
| Net operating income to assets | 1.1953% | 1,600 |
| Return on assets (ROA) | 1.1953% | 1,667 |
| Pretax return on assets | 1.2593% | 2,398 |
| Return on Equity (ROE) | 16.1906% | 600 |
| Retained earnings to average equity (ytd only) | 2.9683% | 4,131 |
| Net charge-offs to loans | 0.0726% | 3,446 |
| Credit loss provision to net charge-offs | 97.2222% | 2,496 |
| Earnings coverage of net charge-offs (x) | 25.5556% | 1,497 |
| Efficiency ratio | 71.6749% | 3,260 |
| Assets per employee ($millions) | 3.6884% | 4,546 |
| Cash dividends to net income (ytd only)* | 81.6667% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9175% | 5,416 |
| Loan loss allowance to noncurrent loans | 296.8750% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 5,108 |
| Noncurrent loans to loans | 0.3091% | 4,733 |
| Net loans and leases to total assets | 73.1960% | 1,724 |
| Net loans and leases to deposits | 79.8863% | 2,732 |
| Net loans and leases to core deposits | 90.8182% | 2,200 |
| Total domestic deposits to total assets | 91.6252% | 204 |
| Equity capital to assets | 7.5786% | 6,216 |
| Core capital (leverage) ratio | 7.5456% | 6,189 |
| Tier 1 risk-based capital ratio | 10.1589% | 6,213 |
| Total risk-based capital ratio | 11.0629% | 6,267 |
| Memoranda: | ||
| Average total assets | $70,276,200 | 5,279 |
| Average earning assets | $65,610,400 | 5,240 |
| Average equity | $5,188,200 | 5,813 |
| Average total loans | $49,603,600 | 4,832 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1675% | 3,097 |
| Cost of funding earning assets | 0.4637% | 3,114 |
| Net interest margin | 3.7038% | 3,007 |
| Noninterest income to average assets | 1.0845% | 1,035 |
| Noninterest expense to average assets | 3.2590% | 1,997 |
| Loan and lease loss provision to assets | 0.0664% | 3,021 |
| Net operating income to assets | 1.1508% | 1,864 |
| Return on assets (ROA) | 1.1508% | 1,922 |
| Pretax return on assets | 1.2115% | 2,733 |
| Return on Equity (ROE) | 15.6919% | 719 |
| Retained earnings to average equity (ytd only) | -0.3878% | 5,861 |
| Net charge-offs to loans | 0.0272% | 3,950 |
| Credit loss provision to net charge-offs | 350.0000% | 802 |
| Earnings coverage of net charge-offs (x) | 67.4149% | 799 |
| Efficiency ratio | 71.8345% | 3,211 |
| Assets per employee ($millions) | 3.8682% | 4,150 |
| Cash dividends to net income (ytd only)* | 102.4712% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 5,331 |
| Loan loss allowance to noncurrent loans | 262.3037% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 5,165 |
| Noncurrent loans to loans | 0.3707% | 4,799 |
| Net loans and leases to total assets | 73.2780% | 1,631 |
| Net loans and leases to deposits | 79.7855% | 2,722 |
| Net loans and leases to core deposits | 90.0876% | 2,213 |
| Total domestic deposits to total assets | 91.8438% | 176 |
| Equity capital to assets | 7.4108% | 6,323 |
| Core capital (leverage) ratio | 7.3314% | 6,323 |
| Tier 1 risk-based capital ratio | 9.8188% | 6,384 |
| Total risk-based capital ratio | 10.7705% | 6,408 |
| Memoranda: | ||
| Average total assets | $70,325,500 | 5,333 |
| Average earning assets | $65,552,500 | 5,295 |
| Average equity | $5,157,500 | 5,884 |
| Average total loans | $49,062,000 | 4,901 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 3,160 |
| Cost of funding earning assets | 0.4632% | 3,184 |
| Net interest margin | 3.6841% | 3,018 |
| Noninterest income to average assets | 1.0148% | 1,162 |
| Noninterest expense to average assets | 3.2030% | 2,186 |
| Loan and lease loss provision to assets | 0.0850% | 2,609 |
| Net operating income to assets | 1.0970% | 1,959 |
| Return on assets (ROA) | 1.0970% | 2,018 |
| Pretax return on assets | 1.1537% | 2,864 |
| Return on Equity (ROE) | 15.0097% | 791 |
| Retained earnings to average equity (ytd only) | -2.2495% | 6,022 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1123% | 3,310 |
| Assets per employee ($millions) | 3.6744% | 4,497 |
| Cash dividends to net income (ytd only)* | 114.9871% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 5,220 |
| Loan loss allowance to noncurrent loans | 731.8841% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 5,852 |
| Noncurrent loans to loans | 0.1405% | 5,583 |
| Net loans and leases to total assets | 69.6289% | 2,139 |
| Net loans and leases to deposits | 75.7059% | 3,099 |
| Net loans and leases to core deposits | 85.8030% | 2,536 |
| Total domestic deposits to total assets | 91.9728% | 175 |
| Equity capital to assets | 7.3410% | 6,383 |
| Core capital (leverage) ratio | 7.3325% | 6,362 |
| Tier 1 risk-based capital ratio | 10.1148% | 6,364 |
| Total risk-based capital ratio | 11.1113% | 6,406 |
| Memoranda: | ||
| Average total assets | $70,558,000 | 5,372 |
| Average earning assets | $65,633,000 | 5,330 |
| Average equity | $5,156,670 | 5,919 |
| Average total loans | $48,241,670 | 4,957 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 3,617 |
| Cost of funding earning assets | 0.4583% | 3,331 |
| Net interest margin | 3.5576% | 3,447 |
| Noninterest income to average assets | 1.0376% | 1,045 |
| Noninterest expense to average assets | 3.2257% | 2,139 |
| Loan and lease loss provision to assets | 0.0846% | 2,492 |
| Net operating income to assets | 1.0038% | 2,196 |
| Return on assets (ROA) | 1.0038% | 2,255 |
| Pretax return on assets | 1.0546% | 3,115 |
| Return on Equity (ROE) | 13.7651% | 984 |
| Retained earnings to average equity (ytd only) | -0.5413% | 5,653 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9018% | 3,160 |
| Assets per employee ($millions) | 3.6845% | 4,556 |
| Cash dividends to net income (ytd only)* | 103.9326% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 5,418 |
| Loan loss allowance to noncurrent loans | 399.1870% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 5,702 |
| Noncurrent loans to loans | 0.2571% | 5,336 |
| Net loans and leases to total assets | 67.6456% | 2,276 |
| Net loans and leases to deposits | 73.5581% | 3,123 |
| Net loans and leases to core deposits | 81.6159% | 2,775 |
| Total domestic deposits to total assets | 91.9621% | 247 |
| Equity capital to assets | 7.3894% | 6,349 |
| Core capital (leverage) ratio | 7.3227% | 6,397 |
| Tier 1 risk-based capital ratio | 10.3822% | 6,370 |
| Total risk-based capital ratio | 11.3669% | 6,413 |
| Memoranda: | ||
| Average total assets | $70,930,500 | 5,412 |
| Average earning assets | $66,337,500 | 5,365 |
| Average equity | $5,172,500 | 5,954 |
| Average total loans | $47,805,000 | 5,017 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 3,307 |
| Cost of funding earning assets | 0.5295% | 3,291 |
| Net interest margin | 3.6821% | 3,127 |
| Noninterest income to average assets | 1.1883% | 1,007 |
| Noninterest expense to average assets | 3.2892% | 2,173 |
| Loan and lease loss provision to assets | 0.0782% | 3,547 |
| Net operating income to assets | 1.1954% | 1,586 |
| Return on assets (ROA) | 1.1954% | 1,653 |
| Pretax return on assets | 1.2608% | 2,312 |
| Return on Equity (ROE) | 16.7978% | 524 |
| Retained earnings to average equity (ytd only) | 5.5527% | 2,245 |
| Net charge-offs to loans | 0.1159% | 3,649 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 17.1273% | 1,737 |
| Efficiency ratio | 71.0688% | 3,655 |
| Assets per employee ($millions) | 3.7818% | 4,302 |
| Cash dividends to net income (ytd only)* | 66.9441% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 5,588 |
| Loan loss allowance to noncurrent loans | 363.3588% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 5,767 |
| Noncurrent loans to loans | 0.2743% | 5,354 |
| Net loans and leases to total assets | 65.8089% | 2,719 |
| Net loans and leases to deposits | 71.4910% | 3,591 |
| Net loans and leases to core deposits | 77.2739% | 3,454 |
| Total domestic deposits to total assets | 92.0520% | 274 |
| Equity capital to assets | 7.1978% | 6,401 |
| Core capital (leverage) ratio | 7.1861% | 6,477 |
| Tier 1 risk-based capital ratio | 10.4421% | 6,386 |
| Total risk-based capital ratio | 11.4009% | 6,427 |
| Memoranda: | ||
| Average total assets | $70,350,800 | 5,467 |
| Average earning assets | $65,722,800 | 5,413 |
| Average equity | $5,006,600 | 6,066 |
| Average total loans | $47,448,200 | 5,051 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 3,366 |
| Cost of funding earning assets | 0.5445% | 3,325 |
| Net interest margin | 3.6629% | 3,183 |
| Noninterest income to average assets | 1.1547% | 1,102 |
| Noninterest expense to average assets | 3.2125% | 2,328 |
| Loan and lease loss provision to assets | 0.0857% | 3,344 |
| Net operating income to assets | 1.2157% | 1,583 |
| Return on assets (ROA) | 1.2157% | 1,652 |
| Pretax return on assets | 1.2785% | 2,415 |
| Return on Equity (ROE) | 17.1321% | 527 |
| Retained earnings to average equity (ytd only) | 3.6788% | 4,085 |
| Net charge-offs to loans | -0.0028% | 5,712 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1915% | 3,729 |
| Assets per employee ($millions) | 3.7311% | 4,390 |
| Cash dividends to net income (ytd only)* | 78.5258% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 5,347 |
| Loan loss allowance to noncurrent loans | 407.8125% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 5,898 |
| Noncurrent loans to loans | 0.2684% | 5,561 |
| Net loans and leases to total assets | 66.5317% | 2,557 |
| Net loans and leases to deposits | 72.1244% | 3,499 |
| Net loans and leases to core deposits | 78.5363% | 3,294 |
| Total domestic deposits to total assets | 92.2458% | 215 |
| Equity capital to assets | 7.0799% | 6,525 |
| Core capital (leverage) ratio | 7.1921% | 6,548 |
| Tier 1 risk-based capital ratio | 10.0462% | 6,590 |
| Total risk-based capital ratio | 11.0861% | 6,605 |
| Memoranda: | ||
| Average total assets | $69,974,750 | 5,531 |
| Average earning assets | $65,374,000 | 5,476 |
| Average equity | $4,965,250 | 6,147 |
| Average total loans | $47,369,500 | 5,095 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 3,268 |
| Cost of funding earning assets | 0.5595% | 3,322 |
| Net interest margin | 3.6642% | 3,106 |
| Noninterest income to average assets | 1.0363% | 1,420 |
| Noninterest expense to average assets | 3.1463% | 2,523 |
| Loan and lease loss provision to assets | 0.0861% | 3,361 |
| Net operating income to assets | 1.1684% | 1,676 |
| Return on assets (ROA) | 1.1684% | 1,787 |
| Pretax return on assets | 1.2258% | 2,574 |
| Return on Equity (ROE) | 16.4533% | 609 |
| Retained earnings to average equity (ytd only) | 2.5468% | 4,677 |
| Net charge-offs to loans | -0.0042% | 5,605 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5731% | 3,720 |
| Assets per employee ($millions) | 3.6599% | 4,498 |
| Cash dividends to net income (ytd only)* | 84.5209% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,482 |
| Loan loss allowance to noncurrent loans | 375.5556% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 5,912 |
| Noncurrent loans to loans | 0.2904% | 5,571 |
| Net loans and leases to total assets | 66.1240% | 2,565 |
| Net loans and leases to deposits | 71.6487% | 3,504 |
| Net loans and leases to core deposits | 77.8050% | 3,321 |
| Total domestic deposits to total assets | 92.2892% | 211 |
| Equity capital to assets | 7.0939% | 6,580 |
| Core capital (leverage) ratio | 7.1601% | 6,575 |
| Tier 1 risk-based capital ratio | 10.3573% | 6,553 |
| Total risk-based capital ratio | 11.4140% | 6,571 |
| Memoranda: | ||
| Average total assets | $69,669,330 | 5,580 |
| Average earning assets | $65,061,670 | 5,526 |
| Average equity | $4,947,330 | 6,198 |
| Average total loans | $47,263,670 | 5,127 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 3,263 |
| Cost of funding earning assets | 0.5787% | 3,303 |
| Net interest margin | 3.6323% | 3,130 |
| Noninterest income to average assets | 1.2160% | 1,029 |
| Noninterest expense to average assets | 3.2294% | 2,271 |
| Loan and lease loss provision to assets | 0.0860% | 3,227 |
| Net operating income to assets | 1.2275% | 1,439 |
| Return on assets (ROA) | 1.2275% | 1,555 |
| Pretax return on assets | 1.2849% | 2,273 |
| Return on Equity (ROE) | 17.2772% | 491 |
| Retained earnings to average equity (ytd only) | 3.7945% | 3,957 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1995% | 3,936 |
| Assets per employee ($millions) | 3.7177% | 4,519 |
| Cash dividends to net income (ytd only)* | 78.0374% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 5,832 |
| Loan loss allowance to noncurrent loans | 190.3101% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 5,493 |
| Noncurrent loans to loans | 0.5468% | 5,074 |
| Net loans and leases to total assets | 66.1023% | 2,356 |
| Net loans and leases to deposits | 71.6278% | 3,232 |
| Net loans and leases to core deposits | 77.3636% | 3,149 |
| Total domestic deposits to total assets | 92.2858% | 203 |
| Equity capital to assets | 7.0403% | 6,704 |
| Core capital (leverage) ratio | 7.0206% | 6,638 |
| Tier 1 risk-based capital ratio | 10.2791% | 6,641 |
| Total risk-based capital ratio | 11.2981% | 6,670 |
| Memoranda: | ||
| Average total assets | $69,734,500 | 5,636 |
| Average earning assets | $64,972,000 | 5,580 |
| Average equity | $4,954,500 | 6,260 |
| Average total loans | $47,651,000 | 5,147 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7493% | 2,400 |
| Cost of funding earning assets | 0.6842% | 3,619 |
| Net interest margin | 4.0651% | 2,133 |
| Noninterest income to average assets | 1.0888% | 1,307 |
| Noninterest expense to average assets | 3.3792% | 2,106 |
| Loan and lease loss provision to assets | 0.1188% | 4,136 |
| Net operating income to assets | 1.2744% | 1,381 |
| Return on assets (ROA) | 1.2744% | 1,532 |
| Pretax return on assets | 1.3413% | 2,245 |
| Return on Equity (ROE) | 18.2305% | 428 |
| Retained earnings to average equity (ytd only) | 8.6478% | 926 |
| Net charge-offs to loans | 0.0775% | 4,900 |
| Credit loss provision to net charge-offs | 216.2162% | 1,172 |
| Earnings coverage of net charge-offs (x) | 26.5676% | 1,094 |
| Efficiency ratio | 69.8281% | 3,854 |
| Assets per employee ($millions) | 3.6228% | 4,726 |
| Cash dividends to net income (ytd only)* | 52.5641% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 6,001 |
| Loan loss allowance to noncurrent loans | 360.6061% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 6,083 |
| Noncurrent loans to loans | 0.2743% | 5,795 |
| Net loans and leases to total assets | 69.2153% | 1,993 |
| Net loans and leases to deposits | 75.2286% | 2,918 |
| Net loans and leases to core deposits | 82.1587% | 2,751 |
| Total domestic deposits to total assets | 92.0067% | 246 |
| Equity capital to assets | 7.1710% | 6,730 |
| Core capital (leverage) ratio | 7.1000% | 6,669 |
| Tier 1 risk-based capital ratio | 9.8975% | 6,726 |
| Total risk-based capital ratio | 10.8578% | 6,773 |
| Memoranda: | ||
| Average total assets | $67,324,200 | 5,699 |
| Average earning assets | $62,114,800 | 5,663 |
| Average equity | $4,706,400 | 6,384 |
| Average total loans | $47,763,200 | 5,186 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8248% | 2,296 |
| Cost of funding earning assets | 0.6964% | 3,800 |
| Net interest margin | 4.1284% | 1,987 |
| Noninterest income to average assets | 1.0874% | 1,275 |
| Noninterest expense to average assets | 3.3837% | 2,045 |
| Loan and lease loss provision to assets | 0.1294% | 3,937 |
| Net operating income to assets | 1.3065% | 1,429 |
| Return on assets (ROA) | 1.3065% | 1,569 |
| Pretax return on assets | 1.3762% | 2,318 |
| Return on Equity (ROE) | 18.8135% | 414 |
| Retained earnings to average equity (ytd only) | 6.4528% | 2,404 |
| Net charge-offs to loans | -0.0447% | 6,677 |
| Credit loss provision to net charge-offs | -406.2500% | 6,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2057% | 3,840 |
| Assets per employee ($millions) | 3.4805% | 5,010 |
| Cash dividends to net income (ytd only)* | 65.7013% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 5,862 |
| Loan loss allowance to noncurrent loans | 319.2547% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 6,125 |
| Noncurrent loans to loans | 0.3312% | 5,809 |
| Net loans and leases to total assets | 69.0878% | 2,094 |
| Net loans and leases to deposits | 74.8129% | 3,171 |
| Net loans and leases to core deposits | 82.8558% | 2,850 |
| Total domestic deposits to total assets | 92.3474% | 165 |
| Equity capital to assets | 6.8640% | 6,903 |
| Core capital (leverage) ratio | 6.8833% | 6,819 |
| Tier 1 risk-based capital ratio | 9.6851% | 6,870 |
| Total risk-based capital ratio | 10.7389% | 6,892 |
| Memoranda: | ||
| Average total assets | $66,947,000 | 5,779 |
| Average earning assets | $61,652,000 | 5,748 |
| Average equity | $4,649,000 | 6,473 |
| Average total loans | $47,674,250 | 5,247 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 2,198 |
| Cost of funding earning assets | 0.7057% | 3,967 |
| Net interest margin | 4.1716% | 1,835 |
| Noninterest income to average assets | 1.0082% | 1,446 |
| Noninterest expense to average assets | 3.4212% | 1,978 |
| Loan and lease loss provision to assets | 0.1514% | 3,632 |
| Net operating income to assets | 1.2201% | 1,644 |
| Return on assets (ROA) | 1.2201% | 1,836 |
| Pretax return on assets | 1.2837% | 2,614 |
| Return on Equity (ROE) | 17.4989% | 573 |
| Retained earnings to average equity (ytd only) | 4.3856% | 3,697 |
| Net charge-offs to loans | -0.0676% | 6,748 |
| Credit loss provision to net charge-offs | -312.5000% | 6,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4489% | 3,692 |
| Assets per employee ($millions) | 3.4234% | 5,157 |
| Cash dividends to net income (ytd only)* | 74.9380% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 6,004 |
| Loan loss allowance to noncurrent loans | 324.0260% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 6,211 |
| Noncurrent loans to loans | 0.3211% | 5,911 |
| Net loans and leases to total assets | 69.3171% | 2,049 |
| Net loans and leases to deposits | 74.9621% | 3,134 |
| Net loans and leases to core deposits | 82.0029% | 2,961 |
| Total domestic deposits to total assets | 92.4695% | 165 |
| Equity capital to assets | 6.8017% | 6,942 |
| Core capital (leverage) ratio | 6.8923% | 6,847 |
| Tier 1 risk-based capital ratio | 9.6129% | 6,908 |
| Total risk-based capital ratio | 10.6559% | 6,935 |
| Memoranda: | ||
| Average total assets | $66,059,330 | 5,844 |
| Average earning assets | $60,936,000 | 5,805 |
| Average equity | $4,606,000 | 6,512 |
| Average total loans | $47,363,670 | 5,294 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8005% | 2,641 |
| Cost of funding earning assets | 0.7171% | 4,135 |
| Net interest margin | 4.0834% | 2,161 |
| Noninterest income to average assets | 0.6476% | 2,942 |
| Noninterest expense to average assets | 3.0345% | 3,137 |
| Loan and lease loss provision to assets | 0.1850% | 3,126 |
| Net operating income to assets | 1.1595% | 1,858 |
| Return on assets (ROA) | 1.1595% | 2,035 |
| Pretax return on assets | 1.2212% | 2,830 |
| Return on Equity (ROE) | 16.4174% | 753 |
| Retained earnings to average equity (ytd only) | 4.0170% | 4,174 |
| Net charge-offs to loans | -0.1615% | 6,939 |
| Credit loss provision to net charge-offs | -157.8947% | 5,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3333% | 4,110 |
| Assets per employee ($millions) | 3.4769% | 5,171 |
| Cash dividends to net income (ytd only)* | 75.5319% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 6,161 |
| Loan loss allowance to noncurrent loans | 189.0196% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 5,908 |
| Noncurrent loans to loans | 0.5426% | 5,573 |
| Net loans and leases to total assets | 70.4096% | 1,682 |
| Net loans and leases to deposits | 76.2387% | 2,761 |
| Net loans and leases to core deposits | 84.0923% | 2,537 |
| Total domestic deposits to total assets | 92.3542% | 210 |
| Equity capital to assets | 6.9692% | 6,939 |
| Core capital (leverage) ratio | 6.9571% | 6,853 |
| Tier 1 risk-based capital ratio | 9.6374% | 6,948 |
| Total risk-based capital ratio | 10.6595% | 6,976 |
| Memoranda: | ||
| Average total assets | $64,855,000 | 5,926 |
| Average earning assets | $60,244,000 | 5,867 |
| Average equity | $4,580,500 | 6,552 |
| Average total loans | $47,066,000 | 5,338 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0788% | 2,535 |
| Cost of funding earning assets | 0.8784% | 4,265 |
| Net interest margin | 4.2004% | 2,059 |
| Noninterest income to average assets | 0.9396% | 1,539 |
| Noninterest expense to average assets | 3.4828% | 2,024 |
| Loan and lease loss provision to assets | 0.1585% | 4,649 |
| Net operating income to assets | 1.1345% | 1,709 |
| Return on assets (ROA) | 1.1345% | 1,832 |
| Pretax return on assets | 1.1932% | 2,488 |
| Return on Equity (ROE) | 16.0884% | 586 |
| Retained earnings to average equity (ytd only) | 3.2132% | 3,933 |
| Net charge-offs to loans | 0.0779% | 5,546 |
| Credit loss provision to net charge-offs | 277.7778% | 854 |
| Earnings coverage of net charge-offs (x) | 23.6944% | 1,009 |
| Efficiency ratio | 72.0420% | 3,570 |
| Assets per employee ($millions) | 3.3499% | 5,379 |
| Cash dividends to net income (ytd only)* | 80.0279% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 6,490 |
| Loan loss allowance to noncurrent loans | 181.1715% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 6,036 |
| Noncurrent loans to loans | 0.5070% | 5,694 |
| Net loans and leases to total assets | 73.3770% | 1,378 |
| Net loans and leases to deposits | 80.0079% | 2,517 |
| Net loans and leases to core deposits | 88.7013% | 2,296 |
| Total domestic deposits to total assets | 91.7122% | 279 |
| Equity capital to assets | 7.1597% | 6,920 |
| Core capital (leverage) ratio | 6.9856% | 6,870 |
| Tier 1 risk-based capital ratio | 9.4876% | 6,963 |
| Total risk-based capital ratio | 10.4007% | 7,017 |
| Memoranda: | ||
| Average total assets | $63,110,200 | 5,951 |
| Average earning assets | $58,518,200 | 5,915 |
| Average equity | $4,450,400 | 6,615 |
| Average total loans | $46,227,000 | 5,418 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1090% | 2,565 |
| Cost of funding earning assets | 0.9086% | 4,339 |
| Net interest margin | 4.2004% | 2,096 |
| Noninterest income to average assets | 0.9781% | 1,400 |
| Noninterest expense to average assets | 3.4764% | 1,999 |
| Loan and lease loss provision to assets | 0.0953% | 5,271 |
| Net operating income to assets | 1.2364% | 1,553 |
| Return on assets (ROA) | 1.2364% | 1,656 |
| Pretax return on assets | 1.3021% | 2,279 |
| Return on Equity (ROE) | 17.6016% | 500 |
| Retained earnings to average equity (ytd only) | 3.0743% | 4,498 |
| Net charge-offs to loans | -0.0087% | 6,766 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3293% | 3,685 |
| Assets per employee ($millions) | 3.3297% | 5,420 |
| Cash dividends to net income (ytd only)* | 82.5339% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 6,666 |
| Loan loss allowance to noncurrent loans | 325.7813% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 6,555 |
| Noncurrent loans to loans | 0.2694% | 6,330 |
| Net loans and leases to total assets | 74.4424% | 1,246 |
| Net loans and leases to deposits | 80.8085% | 2,552 |
| Net loans and leases to core deposits | 90.5762% | 2,179 |
| Total domestic deposits to total assets | 92.1220% | 197 |
| Equity capital to assets | 7.1525% | 7,024 |
| Core capital (leverage) ratio | 7.0762% | 6,937 |
| Tier 1 risk-based capital ratio | 9.2201% | 7,088 |
| Total risk-based capital ratio | 10.0825% | 7,134 |
| Memoranda: | ||
| Average total assets | $62,975,750 | 6,006 |
| Average earning assets | $58,405,250 | 5,961 |
| Average equity | $4,423,750 | 6,670 |
| Average total loans | $45,999,750 | 5,465 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0255% | 3,037 |
| Cost of funding earning assets | 0.9457% | 4,353 |
| Net interest margin | 4.0798% | 2,491 |
| Noninterest income to average assets | 1.0051% | 1,302 |
| Noninterest expense to average assets | 3.5115% | 1,952 |
| Loan and lease loss provision to assets | 0.0954% | 5,134 |
| Net operating income to assets | 1.1387% | 1,762 |
| Return on assets (ROA) | 1.1387% | 1,830 |
| Pretax return on assets | 1.1991% | 2,484 |
| Return on Equity (ROE) | 16.3098% | 638 |
| Retained earnings to average equity (ytd only) | 4.5103% | 3,321 |
| Net charge-offs to loans | -0.0132% | 6,746 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0642% | 3,529 |
| Assets per employee ($millions) | 3.2174% | 5,599 |
| Cash dividends to net income (ytd only)* | 72.3464% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8647% | 6,741 |
| Loan loss allowance to noncurrent loans | 1,827.2727% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 7,008 |
| Noncurrent loans to loans | 0.0473% | 6,867 |
| Net loans and leases to total assets | 75.3951% | 1,173 |
| Net loans and leases to deposits | 82.0848% | 2,445 |
| Net loans and leases to core deposits | 91.5100% | 2,201 |
| Total domestic deposits to total assets | 91.8502% | 270 |
| Equity capital to assets | 7.3679% | 7,008 |
| Core capital (leverage) ratio | 7.1108% | 6,951 |
| Tier 1 risk-based capital ratio | 9.4192% | 7,119 |
| Total risk-based capital ratio | 10.2692% | 7,177 |
| Memoranda: | ||
| Average total assets | $62,879,330 | 6,055 |
| Average earning assets | $58,581,670 | 6,010 |
| Average equity | $4,390,000 | 6,716 |
| Average total loans | $45,495,330 | 5,538 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9226% | 3,464 |
| Cost of funding earning assets | 0.9764% | 4,382 |
| Net interest margin | 3.9462% | 2,933 |
| Noninterest income to average assets | 1.1293% | 1,026 |
| Noninterest expense to average assets | 3.5951% | 1,783 |
| Loan and lease loss provision to assets | 0.0941% | 4,837 |
| Net operating income to assets | 1.0603% | 1,975 |
| Return on assets (ROA) | 1.0603% | 2,025 |
| Pretax return on assets | 1.1168% | 2,693 |
| Return on Equity (ROE) | 15.6012% | 724 |
| Retained earnings to average equity (ytd only) | 2.8618% | 4,450 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8042% | 3,366 |
| Assets per employee ($millions) | 3.3136% | 5,445 |
| Cash dividends to net income (ytd only)* | 81.6568% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 6,806 |
| Loan loss allowance to noncurrent loans | 936.5854% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 6,997 |
| Noncurrent loans to loans | 0.0916% | 6,817 |
| Net loans and leases to total assets | 70.4792% | 2,042 |
| Net loans and leases to deposits | 76.2554% | 3,378 |
| Net loans and leases to core deposits | 87.6694% | 2,649 |
| Total domestic deposits to total assets | 92.4252% | 185 |
| Equity capital to assets | 6.9077% | 7,113 |
| Core capital (leverage) ratio | 6.8707% | 7,058 |
| Tier 1 risk-based capital ratio | 9.6568% | 7,107 |
| Total risk-based capital ratio | 10.5021% | 7,194 |
| Memoranda: | ||
| Average total assets | $63,754,000 | 6,067 |
| Average earning assets | $59,399,500 | 6,018 |
| Average equity | $4,333,000 | 6,772 |
| Average total loans | $44,997,500 | 5,612 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3632% | 2,843 |
| Cost of funding earning assets | 1.2611% | 4,137 |
| Net interest margin | 4.1022% | 2,550 |
| Noninterest income to average assets | 1.2400% | 977 |
| Noninterest expense to average assets | 3.7763% | 1,534 |
| Loan and lease loss provision to assets | 0.0938% | 6,205 |
| Net operating income to assets | 1.1059% | 1,688 |
| Return on assets (ROA) | 1.1172% | 1,732 |
| Pretax return on assets | 1.1769% | 2,300 |
| Return on Equity (ROE) | 15.0512% | 713 |
| Retained earnings to average equity (ytd only) | -0.4596% | 5,700 |
| Net charge-offs to loans | 0.1738% | 5,281 |
| Credit loss provision to net charge-offs | 72.3684% | 5,804 |
| Earnings coverage of net charge-offs (x) | 9.7105% | 1,793 |
| Efficiency ratio | 75.0000% | 3,207 |
| Assets per employee ($millions) | 3.5861% | 4,738 |
| Cash dividends to net income (ytd only)* | 103.0534% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8157% | 6,937 |
| Loan loss allowance to noncurrent loans | 210.8571% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 6,418 |
| Noncurrent loans to loans | 0.3868% | 6,274 |
| Net loans and leases to total assets | 69.5115% | 2,656 |
| Net loans and leases to deposits | 75.8948% | 3,858 |
| Net loans and leases to core deposits | 82.4965% | 3,819 |
| Total domestic deposits to total assets | 91.5893% | 376 |
| Equity capital to assets | 6.6879% | 7,211 |
| Core capital (leverage) ratio | 6.8391% | 7,092 |
| Tier 1 risk-based capital ratio | 9.5930% | 7,111 |
| Total risk-based capital ratio | 10.4057% | 7,215 |
| Memoranda: | ||
| Average total assets | $58,629,000 | 6,254 |
| Average earning assets | $54,239,600 | 6,206 |
| Average equity | $4,351,800 | 6,868 |
| Average total loans | $43,718,000 | 5,757 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4632% | 2,588 |
| Cost of funding earning assets | 1.3292% | 4,038 |
| Net interest margin | 4.1341% | 2,467 |
| Noninterest income to average assets | 1.1852% | 996 |
| Noninterest expense to average assets | 3.6162% | 1,754 |
| Loan and lease loss provision to assets | 0.0933% | 6,094 |
| Net operating income to assets | 1.2272% | 1,523 |
| Return on assets (ROA) | 1.2272% | 1,597 |
| Pretax return on assets | 1.2925% | 2,194 |
| Return on Equity (ROE) | 16.0835% | 694 |
| Retained earnings to average equity (ytd only) | -2.0486% | 6,212 |
| Net charge-offs to loans | -0.0123% | 7,293 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2948% | 3,643 |
| Assets per employee ($millions) | 3.4658% | 5,064 |
| Cash dividends to net income (ytd only)* | 112.7374% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 6,491 |
| Loan loss allowance to noncurrent loans | 132.7217% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 6,026 |
| Noncurrent loans to loans | 0.7362% | 5,732 |
| Net loans and leases to total assets | 74.6529% | 1,649 |
| Net loans and leases to deposits | 83.4279% | 2,803 |
| Net loans and leases to core deposits | 87.9205% | 3,379 |
| Total domestic deposits to total assets | 89.4820% | 1,136 |
| Equity capital to assets | 7.4307% | 7,163 |
| Core capital (leverage) ratio | 7.2944% | 7,012 |
| Tier 1 risk-based capital ratio | 9.6547% | 7,206 |
| Total risk-based capital ratio | 10.6271% | 7,295 |
| Memoranda: | ||
| Average total assets | $57,149,000 | 6,381 |
| Average earning assets | $52,763,500 | 6,339 |
| Average equity | $4,360,500 | 6,959 |
| Average total loans | $43,338,000 | 5,855 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5001% | 2,511 |
| Cost of funding earning assets | 1.3846% | 3,972 |
| Net interest margin | 4.1155% | 2,482 |
| Noninterest income to average assets | 1.2765% | 789 |
| Noninterest expense to average assets | 3.7306% | 1,496 |
| Loan and lease loss provision to assets | 0.1061% | 5,853 |
| Net operating income to assets | 1.1740% | 1,633 |
| Return on assets (ROA) | 1.1740% | 1,696 |
| Pretax return on assets | 1.2341% | 2,310 |
| Return on Equity (ROE) | 15.2480% | 809 |
| Retained earnings to average equity (ytd only) | -4.2253% | 6,466 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5704% | 3,549 |
| Assets per employee ($millions) | 3.2278% | 5,611 |
| Cash dividends to net income (ytd only)* | 127.7108% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 6,605 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 5,837 |
| Noncurrent loans to loans | 0.7896% | 5,694 |
| Net loans and leases to total assets | 75.5697% | 1,577 |
| Net loans and leases to deposits | 83.7517% | 2,916 |
| Net loans and leases to core deposits | 88.5541% | 3,478 |
| Total domestic deposits to total assets | 90.2306% | 808 |
| Equity capital to assets | 7.4320% | 7,155 |
| Core capital (leverage) ratio | 7.3857% | 6,929 |
| Tier 1 risk-based capital ratio | 9.6853% | 7,187 |
| Total risk-based capital ratio | 10.6348% | 7,308 |
| Memoranda: | ||
| Average total assets | $56,559,330 | 6,443 |
| Average earning assets | $52,144,670 | 6,404 |
| Average equity | $4,354,670 | 6,991 |
| Average total loans | $42,978,000 | 5,903 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4935% | 2,615 |
| Cost of funding earning assets | 1.4144% | 4,091 |
| Net interest margin | 4.0791% | 2,532 |
| Noninterest income to average assets | 1.4627% | 556 |
| Noninterest expense to average assets | 3.8861% | 1,193 |
| Loan and lease loss provision to assets | 0.1075% | 5,552 |
| Net operating income to assets | 1.1543% | 1,669 |
| Return on assets (ROA) | 1.1543% | 1,746 |
| Pretax return on assets | 1.2117% | 2,322 |
| Return on Equity (ROE) | 14.7267% | 920 |
| Retained earnings to average equity (ytd only) | -3.2015% | 6,397 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6556% | 3,458 |
| Assets per employee ($millions) | 3.1140% | 5,967 |
| Cash dividends to net income (ytd only)* | 121.7391% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 6,772 |
| Loan loss allowance to noncurrent loans | 81.6532% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.9456% | 5,254 |
| Noncurrent loans to loans | 1.1283% | 5,106 |
| Net loans and leases to total assets | 77.7028% | 1,205 |
| Net loans and leases to deposits | 88.0288% | 2,222 |
| Net loans and leases to core deposits | 92.6326% | 3,020 |
| Total domestic deposits to total assets | 88.2698% | 1,914 |
| Equity capital to assets | 7.7803% | 6,858 |
| Core capital (leverage) ratio | 7.7625% | 6,550 |
| Tier 1 risk-based capital ratio | 9.8979% | 7,095 |
| Total risk-based capital ratio | 10.8213% | 7,261 |
| Memoranda: | ||
| Average total assets | $55,789,000 | 6,542 |
| Average earning assets | $51,187,500 | 6,506 |
| Average equity | $4,373,000 | 7,047 |
| Average total loans | $42,304,000 | 6,011 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7728% | 2,769 |
| Cost of funding earning assets | 1.7383% | 4,320 |
| Net interest margin | 4.0345% | 2,722 |
| Noninterest income to average assets | 1.3594% | 801 |
| Noninterest expense to average assets | 3.9909% | 1,376 |
| Loan and lease loss provision to assets | 0.3318% | 4,822 |
| Net operating income to assets | 0.6863% | 2,991 |
| Return on assets (ROA) | 0.6863% | 3,054 |
| Pretax return on assets | 0.7242% | 3,493 |
| Return on Equity (ROE) | 8.2762% | 2,269 |
| Retained earnings to average equity (ytd only) | 1.4175% | 4,076 |
| Net charge-offs to loans | 0.0049% | 7,179 |
| Credit loss provision to net charge-offs | 8,750.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 278.5000% | 104 |
| Efficiency ratio | 79.0759% | 3,027 |
| Assets per employee ($millions) | 3.0848% | 6,023 |
| Cash dividends to net income (ytd only)* | 82.8729% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 6,581 |
| Loan loss allowance to noncurrent loans | 236.3636% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 6,546 |
| Noncurrent loans to loans | 0.4059% | 6,468 |
| Net loans and leases to total assets | 72.5048% | 2,632 |
| Net loans and leases to deposits | 82.7557% | 3,490 |
| Net loans and leases to core deposits | 98.0038% | 4,218 |
| Total domestic deposits to total assets | 87.6130% | 2,166 |
| Equity capital to assets | 7.8972% | 6,675 |
| Core capital (leverage) ratio | 7.9604% | 6,246 |
| Tier 1 risk-based capital ratio | 10.5451% | 6,349 |
| Total risk-based capital ratio | 11.4849% | 6,619 |
| Memoranda: | ||
| Average total assets | $52,744,800 | 6,602 |
| Average earning assets | $48,208,800 | 6,591 |
| Average equity | $4,374,000 | 7,151 |
| Average total loans | $40,668,200 | 6,067 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8330% | 2,733 |
| Cost of funding earning assets | 1.7959% | 4,403 |
| Net interest margin | 4.0372% | 2,650 |
| Noninterest income to average assets | 1.2321% | 1,014 |
| Noninterest expense to average assets | 3.9321% | 1,379 |
| Loan and lease loss provision to assets | 0.1921% | 5,460 |
| Net operating income to assets | 0.7582% | 2,991 |
| Return on assets (ROA) | 0.7582% | 3,056 |
| Pretax return on assets | 0.7992% | 3,542 |
| Return on Equity (ROE) | 9.0285% | 2,252 |
| Retained earnings to average equity (ytd only) | 1.1896% | 4,657 |
| Net charge-offs to loans | -0.0098% | 7,682 |
| Credit loss provision to net charge-offs | -2,500.0000% | 7,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8647% | 2,867 |
| Assets per employee ($millions) | 3.0049% | 6,150 |
| Cash dividends to net income (ytd only)* | 86.8241% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7111% | 7,341 |
| Loan loss allowance to noncurrent loans | 169.5402% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 6,413 |
| Noncurrent loans to loans | 0.4194% | 6,495 |
| Net loans and leases to total assets | 76.1518% | 1,971 |
| Net loans and leases to deposits | 87.8193% | 3,000 |
| Net loans and leases to core deposits | 104.1520% | 3,916 |
| Total domestic deposits to total assets | 86.7142% | 2,321 |
| Equity capital to assets | 8.1386% | 6,703 |
| Core capital (leverage) ratio | 8.1737% | 6,062 |
| Tier 1 risk-based capital ratio | 10.3683% | 6,605 |
| Total risk-based capital ratio | 11.0711% | 7,087 |
| Memoranda: | ||
| Average total assets | $52,049,500 | 6,683 |
| Average earning assets | $47,590,000 | 6,666 |
| Average equity | $4,371,250 | 7,227 |
| Average total loans | $40,673,000 | 6,122 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8720% | 2,706 |
| Cost of funding earning assets | 1.8379% | 4,566 |
| Net interest margin | 4.0341% | 2,563 |
| Noninterest income to average assets | 1.2965% | 907 |
| Noninterest expense to average assets | 4.0607% | 1,237 |
| Loan and lease loss provision to assets | 0.0973% | 6,197 |
| Net operating income to assets | 0.7787% | 2,942 |
| Return on assets (ROA) | 0.7787% | 3,038 |
| Pretax return on assets | 0.8215% | 3,601 |
| Return on Equity (ROE) | 9.1722% | 2,296 |
| Retained earnings to average equity (ytd only) | 0.9631% | 4,796 |
| Net charge-offs to loans | -0.0149% | 7,654 |
| Credit loss provision to net charge-offs | -833.3333% | 7,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5481% | 2,785 |
| Assets per employee ($millions) | 2.8112% | 6,599 |
| Cash dividends to net income (ytd only)* | 89.5000% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6046% | 7,628 |
| Loan loss allowance to noncurrent loans | 211.2069% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 6,640 |
| Noncurrent loans to loans | 0.2863% | 6,795 |
| Net loans and leases to total assets | 79.5996% | 1,376 |
| Net loans and leases to deposits | 91.5411% | 2,562 |
| Net loans and leases to core deposits | 105.7664% | 3,862 |
| Total domestic deposits to total assets | 86.9551% | 2,278 |
| Equity capital to assets | 8.6578% | 5,813 |
| Core capital (leverage) ratio | 8.5883% | 5,283 |
| Tier 1 risk-based capital ratio | 10.6267% | 6,256 |
| Total risk-based capital ratio | 11.2274% | 6,882 |
| Memoranda: | ||
| Average total assets | $51,370,000 | 6,775 |
| Average earning assets | $46,900,670 | 6,753 |
| Average equity | $4,361,000 | 7,289 |
| Average total loans | $40,402,670 | 6,187 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8130% | 3,235 |
| Cost of funding earning assets | 1.8894% | 4,687 |
| Net interest margin | 3.9235% | 2,956 |
| Noninterest income to average assets | 1.5844% | 548 |
| Noninterest expense to average assets | 4.2277% | 913 |
| Loan and lease loss provision to assets | 0.1932% | 4,502 |
| Net operating income to assets | 0.6879% | 3,613 |
| Return on assets (ROA) | 0.6879% | 3,797 |
| Pretax return on assets | 0.7265% | 4,334 |
| Return on Equity (ROE) | 8.1820% | 3,062 |
| Retained earnings to average equity (ytd only) | -1.9306% | 6,090 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1321% | 2,512 |
| Assets per employee ($millions) | 2.8106% | 6,613 |
| Cash dividends to net income (ytd only)* | 123.5955% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6048% | 7,651 |
| Loan loss allowance to noncurrent loans | 97.1888% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 5,656 |
| Noncurrent loans to loans | 0.6223% | 5,843 |
| Net loans and leases to total assets | 78.6084% | 1,667 |
| Net loans and leases to deposits | 90.3880% | 2,869 |
| Net loans and leases to core deposits | 101.7449% | 4,374 |
| Total domestic deposits to total assets | 86.9678% | 2,234 |
| Equity capital to assets | 8.5827% | 5,941 |
| Core capital (leverage) ratio | 8.3246% | 5,859 |
| Tier 1 risk-based capital ratio | 10.7518% | 6,141 |
| Total risk-based capital ratio | 11.3580% | 6,714 |
| Memoranda: | ||
| Average total assets | $51,754,000 | 6,794 |
| Average earning assets | $46,998,500 | 6,793 |
| Average equity | $4,351,000 | 7,337 |
| Average total loans | $40,342,000 | 6,222 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6576% | 2,214 |
| Cost of funding earning assets | 2.6746% | 3,294 |
| Net interest margin | 3.9830% | 3,201 |
| Noninterest income to average assets | 1.2691% | 912 |
| Noninterest expense to average assets | 3.7321% | 1,889 |
| Loan and lease loss provision to assets | 0.1926% | 4,959 |
| Net operating income to assets | 0.8808% | 3,089 |
| Return on assets (ROA) | 0.8955% | 2,859 |
| Pretax return on assets | 0.9417% | 3,579 |
| Return on Equity (ROE) | 10.6941% | 2,015 |
| Retained earnings to average equity (ytd only) | 2.8978% | 3,372 |
| Net charge-offs to loans | 0.4935% | 2,385 |
| Credit loss provision to net charge-offs | 48.7805% | 6,366 |
| Earnings coverage of net charge-offs (x) | 2.8341% | 4,657 |
| Efficiency ratio | 76.9353% | 3,090 |
| Assets per employee ($millions) | 2.9399% | 6,194 |
| Cash dividends to net income (ytd only)* | 72.9032% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5335% | 7,797 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.3152% | 3,593 |
| Noncurrent loans to loans | 0.4573% | 5,973 |
| Net loans and leases to total assets | 76.4522% | 2,511 |
| Net loans and leases to deposits | 88.1032% | 3,791 |
| Net loans and leases to core deposits | 101.1830% | 4,703 |
| Total domestic deposits to total assets | 86.7758% | 2,049 |
| Equity capital to assets | 8.2392% | 6,496 |
| Core capital (leverage) ratio | 8.1067% | 6,314 |
| Tier 1 risk-based capital ratio | 10.5198% | 6,192 |
| Total risk-based capital ratio | 11.0490% | 6,852 |
| Memoranda: | ||
| Average total assets | $51,927,400 | 6,696 |
| Average earning assets | $46,698,400 | 6,728 |
| Average equity | $4,348,200 | 7,373 |
| Average total loans | $41,543,400 | 6,096 |