Home > State Bank of Cold Spring > Performance and Condition Ratios
State Bank of Cold Spring, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3475% | 4,445 |
| Cost of funding earning assets | 1.0241% | 3,244 |
| Net interest margin | 2.3235% | 4,243 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 1.9255% | 3,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6182% | 3,393 |
| Return on assets (ROA) | 0.5973% | 3,442 |
| Pretax return on assets | 0.5973% | 3,636 |
| Return on Equity (ROE) | 11.0600% | 2,207 |
| Retained earnings to average equity (ytd only) | 7.2296% | 1,821 |
| Net charge-offs to loans | 0.0026% | 2,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 592.0000% | 248 |
| Efficiency ratio | 75.6979% | 1,274 |
| Assets per employee ($millions) | 7.1538% | 1,971 |
| Cash dividends to net income (ytd only)* | 34.6154% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 3,662 |
| Loan loss allowance to noncurrent loans | 137.2624% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 1,810 |
| Noncurrent loans to loans | 0.6672% | 1,175 |
| Net loans and leases to total assets | 42.0000% | 3,964 |
| Net loans and leases to deposits | 44.9034% | 4,073 |
| Net loans and leases to core deposits | 47.7580% | 4,129 |
| Total domestic deposits to total assets | 93.5300% | 137 |
| Equity capital to assets | 6.1989% | 4,196 |
| Core capital (leverage) ratio | 7.7588% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6761% | 439 |
| Memoranda: | ||
| Average total assets | $95,767,600 | 3,863 |
| Average earning assets | $91,889,000 | 3,821 |
| Average equity | $5,173,200 | 4,244 |
| Average total loans | $38,324,600 | 4,020 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3058% | 4,454 |
| Cost of funding earning assets | 0.9791% | 3,093 |
| Net interest margin | 2.3267% | 4,287 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 1.8398% | 3,902 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7146% | 3,279 |
| Return on assets (ROA) | 0.6870% | 3,338 |
| Pretax return on assets | 0.6870% | 3,579 |
| Return on Equity (ROE) | 13.1900% | 1,864 |
| Retained earnings to average equity (ytd only) | 7.9331% | 1,989 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.0238% | 1,564 |
| Assets per employee ($millions) | 7.7759% | 1,468 |
| Cash dividends to net income (ytd only)* | 39.8390% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 3,667 |
| Loan loss allowance to noncurrent loans | 140.8560% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 1,907 |
| Noncurrent loans to loans | 0.6536% | 1,257 |
| Net loans and leases to total assets | 41.7500% | 3,996 |
| Net loans and leases to deposits | 44.5024% | 4,096 |
| Net loans and leases to core deposits | 48.3315% | 4,081 |
| Total domestic deposits to total assets | 93.8200% | 202 |
| Equity capital to assets | 5.4710% | 4,147 |
| Core capital (leverage) ratio | 7.4478% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6899% | 574 |
| Memoranda: | ||
| Average total assets | $96,459,500 | 3,873 |
| Average earning assets | $92,602,000 | 3,830 |
| Average equity | $5,025,250 | 4,273 |
| Average total loans | $38,051,250 | 4,034 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0733% | 4,543 |
| Cost of funding earning assets | 0.7630% | 2,863 |
| Net interest margin | 2.3103% | 4,444 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.8368% | 3,966 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6735% | 3,519 |
| Return on assets (ROA) | 0.6735% | 3,474 |
| Pretax return on assets | 0.6735% | 3,712 |
| Return on Equity (ROE) | 13.3100% | 1,925 |
| Retained earnings to average equity (ytd only) | 8.9561% | 1,964 |
| Net charge-offs to loans | 0.0650% | 746 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,340 |
| Efficiency ratio | 73.1707% | 1,417 |
| Assets per employee ($millions) | 7.9109% | 1,395 |
| Cash dividends to net income (ytd only)* | 32.7273% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 3,627 |
| Loan loss allowance to noncurrent loans | 659.2593% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 3,219 |
| Noncurrent loans to loans | 0.1475% | 2,756 |
| Net loans and leases to total assets | 38.1800% | 4,107 |
| Net loans and leases to deposits | 43.1168% | 4,126 |
| Net loans and leases to core deposits | 43.2713% | 4,195 |
| Total domestic deposits to total assets | 88.5500% | 1,717 |
| Equity capital to assets | 5.4408% | 4,354 |
| Core capital (leverage) ratio | 7.1618% | 4,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9612% | 663 |
| Memoranda: | ||
| Average total assets | $97,998,500 | 3,923 |
| Average earning assets | $93,841,500 | 3,881 |
| Average equity | $4,957,500 | 4,354 |
| Average total loans | $36,944,500 | 4,117 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7217% | 4,389 |
| Cost of funding earning assets | 0.4337% | 1,833 |
| Net interest margin | 2.2880% | 4,436 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.9863% | 3,618 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5190% | 4,059 |
| Return on assets (ROA) | 0.5190% | 4,012 |
| Pretax return on assets | 0.5190% | 4,153 |
| Return on Equity (ROE) | 9.3900% | 2,997 |
| Retained earnings to average equity (ytd only) | 4.9879% | 3,061 |
| Net charge-offs to loans | 0.0292% | 1,481 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 53.3333% | 1,315 |
| Efficiency ratio | 79.2836% | 768 |
| Assets per employee ($millions) | 8.4222% | 1,128 |
| Cash dividends to net income (ytd only)* | 46.8750% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 3,512 |
| Loan loss allowance to noncurrent loans | 130.2158% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 1,780 |
| Noncurrent loans to loans | 0.7455% | 1,009 |
| Net loans and leases to total assets | 36.5400% | 4,194 |
| Net loans and leases to deposits | 39.6166% | 4,256 |
| Net loans and leases to core deposits | 39.6166% | 4,287 |
| Total domestic deposits to total assets | 92.2300% | 577 |
| Equity capital to assets | 4.6999% | 4,435 |
| Core capital (leverage) ratio | 6.9263% | 4,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0108% | 718 |
| Memoranda: | ||
| Average total assets | $92,482,600 | 3,988 |
| Average earning assets | $86,931,200 | 3,959 |
| Average equity | $5,112,400 | 4,415 |
| Average total loans | $30,839,000 | 4,227 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5703% | 4,411 |
| Cost of funding earning assets | 0.3744% | 1,488 |
| Net interest margin | 2.1959% | 4,466 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.9453% | 3,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4959% | 4,083 |
| Return on assets (ROA) | 0.4959% | 4,033 |
| Pretax return on assets | 0.4959% | 4,156 |
| Return on Equity (ROE) | 8.6100% | 3,139 |
| Retained earnings to average equity (ytd only) | 2.8444% | 3,813 |
| Net charge-offs to loans | 0.0091% | 1,787 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 697 |
| Efficiency ratio | 79.6856% | 791 |
| Assets per employee ($millions) | 8.3248% | 1,158 |
| Cash dividends to net income (ytd only)* | 66.9643% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 2,431 |
| Loan loss allowance to noncurrent loans | 247.6510% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 2,565 |
| Noncurrent loans to loans | 0.4921% | 1,574 |
| Net loans and leases to total assets | 29.9400% | 4,426 |
| Net loans and leases to deposits | 31.3126% | 4,478 |
| Net loans and leases to core deposits | 31.3126% | 4,492 |
| Total domestic deposits to total assets | 95.6300% | 162 |
| Equity capital to assets | 4.3225% | 4,437 |
| Core capital (leverage) ratio | 6.7036% | 4,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0969% | 634 |
| Memoranda: | ||
| Average total assets | $90,336,750 | 4,038 |
| Average earning assets | $84,761,500 | 4,009 |
| Average equity | $5,203,000 | 4,448 |
| Average total loans | $29,226,500 | 4,279 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3840% | 4,469 |
| Cost of funding earning assets | 0.2345% | 2,450 |
| Net interest margin | 2.1495% | 4,487 |
| Noninterest income to average assets | 0.3970% | 2,778 |
| Noninterest expense to average assets | 2.0769% | 3,215 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3603% | 4,185 |
| Return on assets (ROA) | 0.3603% | 4,144 |
| Pretax return on assets | 0.3603% | 4,213 |
| Return on Equity (ROE) | 5.7112% | 3,652 |
| Retained earnings to average equity (ytd only) | -1.2732% | 4,319 |
| Net charge-offs to loans | 0.0139% | 1,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 78.5000% | 942 |
| Efficiency ratio | 85.2166% | 611 |
| Assets per employee ($millions) | 8.2978% | 1,156 |
| Cash dividends to net income (ytd only)* | 122.2930% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 2,194 |
| Loan loss allowance to noncurrent loans | 239.6104% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 2,630 |
| Noncurrent loans to loans | 0.5423% | 1,530 |
| Net loans and leases to total assets | 28.1472% | 4,513 |
| Net loans and leases to deposits | 29.5881% | 4,553 |
| Net loans and leases to core deposits | 29.5881% | 4,576 |
| Total domestic deposits to total assets | 95.1302% | 134 |
| Equity capital to assets | 4.8045% | 4,515 |
| Core capital (leverage) ratio | 7.7896% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0300% | 477 |
| Memoranda: | ||
| Average total assets | $87,150,000 | 4,116 |
| Average earning assets | $82,718,000 | 4,094 |
| Average equity | $5,498,000 | 4,467 |
| Average total loans | $28,875,000 | 4,343 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5839% | 4,149 |
| Cost of funding earning assets | 0.1931% | 2,892 |
| Net interest margin | 2.3908% | 4,094 |
| Noninterest income to average assets | 0.4843% | 2,212 |
| Noninterest expense to average assets | 2.0855% | 3,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6622% | 3,186 |
| Return on assets (ROA) | 0.6622% | 3,168 |
| Pretax return on assets | 0.6622% | 3,491 |
| Return on Equity (ROE) | 9.1546% | 2,265 |
| Retained earnings to average equity (ytd only) | 1.5030% | 3,690 |
| Net charge-offs to loans | 0.0137% | 1,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 574 |
| Efficiency ratio | 75.8993% | 1,537 |
| Assets per employee ($millions) | 6.7558% | 2,183 |
| Cash dividends to net income (ytd only)* | 83.5821% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,572 |
| Loan loss allowance to noncurrent loans | 149.7976% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 1,898 |
| Noncurrent loans to loans | 0.8382% | 1,117 |
| Net loans and leases to total assets | 35.8941% | 4,216 |
| Net loans and leases to deposits | 38.4348% | 4,309 |
| Net loans and leases to core deposits | 38.4348% | 4,356 |
| Total domestic deposits to total assets | 93.3896% | 185 |
| Equity capital to assets | 6.5204% | 4,423 |
| Core capital (leverage) ratio | 8.6152% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5114% | 459 |
| Memoranda: | ||
| Average total assets | $80,938,500 | 4,214 |
| Average earning assets | $76,628,500 | 4,178 |
| Average equity | $5,855,000 | 4,480 |
| Average total loans | $29,114,500 | 4,352 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9084% | 4,038 |
| Cost of funding earning assets | 0.2280% | 3,158 |
| Net interest margin | 2.6804% | 3,910 |
| Noninterest income to average assets | 0.4514% | 2,812 |
| Noninterest expense to average assets | 2.2407% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7233% | 3,562 |
| Return on assets (ROA) | 0.7233% | 3,623 |
| Pretax return on assets | 0.7233% | 3,881 |
| Return on Equity (ROE) | 8.6541% | 3,033 |
| Retained earnings to average equity (ytd only) | 3.2982% | 3,493 |
| Net charge-offs to loans | 0.0096% | 2,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 190.6667% | 561 |
| Efficiency ratio | 75.5973% | 1,140 |
| Assets per employee ($millions) | 6.2160% | 2,561 |
| Cash dividends to net income (ytd only)* | 61.8881% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 2,409 |
| Loan loss allowance to noncurrent loans | 44.7527% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.0259% | 526 |
| Noncurrent loans to loans | 2.8825% | 208 |
| Net loans and leases to total assets | 35.1314% | 4,328 |
| Net loans and leases to deposits | 38.2307% | 4,389 |
| Net loans and leases to core deposits | 38.2307% | 4,453 |
| Total domestic deposits to total assets | 91.8931% | 207 |
| Equity capital to assets | 7.9497% | 4,388 |
| Core capital (leverage) ratio | 8.2994% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3382% | 381 |
| Memoranda: | ||
| Average total assets | $79,084,000 | 4,231 |
| Average earning assets | $74,129,400 | 4,208 |
| Average equity | $6,609,600 | 4,468 |
| Average total loans | $31,297,200 | 4,356 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0739% | 3,863 |
| Cost of funding earning assets | 0.2356% | 3,258 |
| Net interest margin | 2.8383% | 3,688 |
| Noninterest income to average assets | 0.4814% | 2,705 |
| Noninterest expense to average assets | 2.1139% | 3,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0222% | 2,829 |
| Return on assets (ROA) | 1.0222% | 2,895 |
| Pretax return on assets | 1.0222% | 3,389 |
| Return on Equity (ROE) | 12.0790% | 2,016 |
| Retained earnings to average equity (ytd only) | 4.9879% | 3,226 |
| Net charge-offs to loans | -0.0042% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4054% | 1,912 |
| Assets per employee ($millions) | 6.1487% | 2,549 |
| Cash dividends to net income (ytd only)* | 58.7065% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,473 |
| Loan loss allowance to noncurrent loans | 44.4313% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.0559% | 610 |
| Noncurrent loans to loans | 2.9300% | 227 |
| Net loans and leases to total assets | 35.5673% | 4,409 |
| Net loans and leases to deposits | 38.8468% | 4,491 |
| Net loans and leases to core deposits | 38.8468% | 4,546 |
| Total domestic deposits to total assets | 91.5579% | 227 |
| Equity capital to assets | 8.3532% | 4,306 |
| Core capital (leverage) ratio | 8.4091% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0850% | 423 |
| Memoranda: | ||
| Average total assets | $78,653,000 | 4,286 |
| Average earning assets | $73,564,000 | 4,265 |
| Average equity | $6,656,000 | 4,530 |
| Average total loans | $31,931,500 | 4,402 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3231% | 3,368 |
| Cost of funding earning assets | 0.2405% | 3,369 |
| Net interest margin | 3.0826% | 3,080 |
| Noninterest income to average assets | 0.4500% | 2,840 |
| Noninterest expense to average assets | 2.0709% | 3,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2630% | 1,985 |
| Return on assets (ROA) | 1.2630% | 2,055 |
| Pretax return on assets | 1.2630% | 2,731 |
| Return on Equity (ROE) | 14.8594% | 1,199 |
| Retained earnings to average equity (ytd only) | 6.4070% | 2,658 |
| Net charge-offs to loans | -0.0061% | 3,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1166% | 2,712 |
| Assets per employee ($millions) | 5.6899% | 2,910 |
| Cash dividends to net income (ytd only)* | 56.8826% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 2,948 |
| Loan loss allowance to noncurrent loans | 43.1530% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.0909% | 685 |
| Noncurrent loans to loans | 2.7759% | 276 |
| Net loans and leases to total assets | 38.8280% | 4,346 |
| Net loans and leases to deposits | 42.3995% | 4,450 |
| Net loans and leases to core deposits | 42.3995% | 4,509 |
| Total domestic deposits to total assets | 91.5766% | 220 |
| Equity capital to assets | 8.3468% | 4,330 |
| Core capital (leverage) ratio | 8.4466% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,226,333 | 4,320 |
| Average earning assets | $73,184,333 | 4,297 |
| Average equity | $6,649,000 | 4,557 |
| Average total loans | $32,973,667 | 4,409 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 2,304 |
| Cost of funding earning assets | 0.2521% | 3,456 |
| Net interest margin | 3.4697% | 1,908 |
| Noninterest income to average assets | 0.5264% | 2,494 |
| Noninterest expense to average assets | 2.0901% | 3,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7030% | 931 |
| Return on assets (ROA) | 1.7030% | 980 |
| Pretax return on assets | 1.7030% | 1,480 |
| Return on Equity (ROE) | 19.8526% | 542 |
| Retained earnings to average equity (ytd only) | 11.6108% | 1,245 |
| Net charge-offs to loans | -0.0118% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1020% | 3,651 |
| Assets per employee ($millions) | 5.6749% | 2,943 |
| Cash dividends to net income (ytd only)* | 41.5152% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 3,318 |
| Loan loss allowance to noncurrent loans | 48.2005% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 0.9792% | 847 |
| Noncurrent loans to loans | 2.3312% | 419 |
| Net loans and leases to total assets | 41.5348% | 4,266 |
| Net loans and leases to deposits | 45.4144% | 4,380 |
| Net loans and leases to core deposits | 45.4144% | 4,458 |
| Total domestic deposits to total assets | 91.4574% | 252 |
| Equity capital to assets | 8.4444% | 4,159 |
| Core capital (leverage) ratio | 8.7039% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,510,000 | 4,343 |
| Average earning assets | $72,974,500 | 4,314 |
| Average equity | $6,649,000 | 4,565 |
| Average total loans | $33,808,000 | 4,417 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6354% | 3,730 |
| Cost of funding earning assets | 0.4163% | 3,485 |
| Net interest margin | 3.2191% | 3,308 |
| Noninterest income to average assets | 0.5136% | 2,574 |
| Noninterest expense to average assets | 2.4354% | 3,031 |
| Loan and lease loss provision to assets | 0.0571% | 3,655 |
| Net operating income to assets | 1.0329% | 2,165 |
| Return on assets (ROA) | 1.0329% | 2,315 |
| Pretax return on assets | 1.0329% | 2,935 |
| Return on Equity (ROE) | 11.2853% | 1,530 |
| Retained earnings to average equity (ytd only) | 5.1439% | 2,216 |
| Net charge-offs to loans | -0.0053% | 4,153 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0813% | 2,082 |
| Assets per employee ($millions) | 5.3979% | 2,956 |
| Cash dividends to net income (ytd only)* | 54.4199% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 3,488 |
| Loan loss allowance to noncurrent loans | 49.1481% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.0096% | 938 |
| Noncurrent loans to loans | 2.2283% | 482 |
| Net loans and leases to total assets | 44.8148% | 4,206 |
| Net loans and leases to deposits | 49.2010% | 4,348 |
| Net loans and leases to core deposits | 49.3818% | 4,445 |
| Total domestic deposits to total assets | 91.0852% | 207 |
| Equity capital to assets | 8.7190% | 4,281 |
| Core capital (leverage) ratio | 8.7338% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,090,800 | 4,387 |
| Average earning assets | $65,577,600 | 4,362 |
| Average equity | $6,415,400 | 4,592 |
| Average total loans | $37,510,400 | 4,364 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9044% | 3,236 |
| Cost of funding earning assets | 0.4541% | 3,500 |
| Net interest margin | 3.4503% | 2,750 |
| Noninterest income to average assets | 0.4191% | 2,989 |
| Noninterest expense to average assets | 2.3515% | 3,282 |
| Loan and lease loss provision to assets | 0.0538% | 3,676 |
| Net operating income to assets | 1.2417% | 1,513 |
| Return on assets (ROA) | 1.2417% | 1,632 |
| Pretax return on assets | 1.2417% | 2,263 |
| Return on Equity (ROE) | 13.3916% | 1,004 |
| Retained earnings to average equity (ytd only) | 5.1474% | 2,501 |
| Net charge-offs to loans | 0.0139% | 2,621 |
| Credit loss provision to net charge-offs | 700.0000% | 1,070 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 558 |
| Efficiency ratio | 64.4681% | 2,667 |
| Assets per employee ($millions) | 5.2056% | 3,013 |
| Cash dividends to net income (ytd only)* | 61.5625% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 3,858 |
| Loan loss allowance to noncurrent loans | 46.1240% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.0620% | 1,018 |
| Noncurrent loans to loans | 2.0756% | 579 |
| Net loans and leases to total assets | 50.6792% | 4,059 |
| Net loans and leases to deposits | 55.7183% | 4,273 |
| Net loans and leases to core deposits | 55.9309% | 4,384 |
| Total domestic deposits to total assets | 90.9561% | 184 |
| Equity capital to assets | 8.9423% | 4,154 |
| Core capital (leverage) ratio | 8.7139% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,720,750 | 4,417 |
| Average earning assets | $64,301,500 | 4,398 |
| Average equity | $6,372,000 | 4,623 |
| Average total loans | $38,327,500 | 4,369 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1254% | 2,981 |
| Cost of funding earning assets | 0.5081% | 3,485 |
| Net interest margin | 3.6173% | 2,426 |
| Noninterest income to average assets | 0.4010% | 3,070 |
| Noninterest expense to average assets | 2.4148% | 3,217 |
| Loan and lease loss provision to assets | 0.0475% | 3,706 |
| Net operating income to assets | 1.3217% | 1,301 |
| Return on assets (ROA) | 1.3217% | 1,402 |
| Pretax return on assets | 1.3217% | 1,957 |
| Return on Equity (ROE) | 14.0741% | 876 |
| Retained earnings to average equity (ytd only) | 5.0287% | 2,461 |
| Net charge-offs to loans | 0.0259% | 2,205 |
| Credit loss provision to net charge-offs | 320.0000% | 1,568 |
| Earnings coverage of net charge-offs (x) | 92.2000% | 731 |
| Efficiency ratio | 63.8148% | 2,849 |
| Assets per employee ($millions) | 5.3231% | 2,812 |
| Cash dividends to net income (ytd only)* | 64.2697% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 4,179 |
| Loan loss allowance to noncurrent loans | 42.9825% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.0708% | 1,077 |
| Noncurrent loans to loans | 1.9872% | 684 |
| Net loans and leases to total assets | 53.4257% | 3,923 |
| Net loans and leases to deposits | 58.5360% | 4,194 |
| Net loans and leases to core deposits | 58.5360% | 4,327 |
| Total domestic deposits to total assets | 91.2699% | 109 |
| Equity capital to assets | 8.6442% | 4,391 |
| Core capital (leverage) ratio | 9.2514% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,335,000 | 4,439 |
| Average earning assets | $62,976,000 | 4,422 |
| Average equity | $6,323,667 | 4,649 |
| Average total loans | $38,673,000 | 4,370 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 3,829 |
| Cost of funding earning assets | 0.5781% | 3,544 |
| Net interest margin | 3.4081% | 3,274 |
| Noninterest income to average assets | 0.4518% | 2,779 |
| Noninterest expense to average assets | 2.5478% | 3,137 |
| Loan and lease loss provision to assets | 0.0377% | 3,299 |
| Net operating income to assets | 1.0480% | 2,010 |
| Return on assets (ROA) | 1.0480% | 2,110 |
| Pretax return on assets | 1.0480% | 2,672 |
| Return on Equity (ROE) | 10.6633% | 1,508 |
| Retained earnings to average equity (ytd only) | 1.5963% | 3,572 |
| Net charge-offs to loans | -0.0105% | 4,097 |
| Credit loss provision to net charge-offs | -600.0000% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1209% | 2,332 |
| Assets per employee ($millions) | 4.2019% | 3,660 |
| Cash dividends to net income (ytd only)* | 85.0299% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8841% | 4,171 |
| Loan loss allowance to noncurrent loans | 42.9658% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.2518% | 968 |
| Noncurrent loans to loans | 2.0577% | 673 |
| Net loans and leases to total assets | 60.2976% | 3,464 |
| Net loans and leases to deposits | 69.5629% | 3,627 |
| Net loans and leases to core deposits | 69.5629% | 3,905 |
| Total domestic deposits to total assets | 86.6807% | 1,700 |
| Equity capital to assets | 10.0176% | 3,767 |
| Core capital (leverage) ratio | 9.6992% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,740,500 | 4,505 |
| Average earning assets | $59,506,000 | 4,490 |
| Average equity | $6,264,500 | 4,689 |
| Average total loans | $37,930,500 | 4,415 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 4,409 |
| Cost of funding earning assets | 0.5145% | 4,027 |
| Net interest margin | 3.3991% | 3,746 |
| Noninterest income to average assets | 0.5814% | 2,308 |
| Noninterest expense to average assets | 2.6228% | 3,115 |
| Loan and lease loss provision to assets | 0.0758% | 2,477 |
| Net operating income to assets | 1.0665% | 2,592 |
| Return on assets (ROA) | 1.0649% | 2,696 |
| Pretax return on assets | 1.0649% | 3,285 |
| Return on Equity (ROE) | 11.2348% | 1,798 |
| Retained earnings to average equity (ytd only) | 4.8173% | 2,525 |
| Net charge-offs to loans | -0.0107% | 4,486 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6601% | 2,229 |
| Assets per employee ($millions) | 4.2968% | 3,515 |
| Cash dividends to net income (ytd only)* | 57.1217% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 4,017 |
| Loan loss allowance to noncurrent loans | 42.1519% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.2257% | 949 |
| Noncurrent loans to loans | 2.1057% | 599 |
| Net loans and leases to total assets | 57.6925% | 3,791 |
| Net loans and leases to deposits | 66.2509% | 3,942 |
| Net loans and leases to core deposits | 66.2509% | 4,180 |
| Total domestic deposits to total assets | 87.0819% | 1,563 |
| Equity capital to assets | 9.6428% | 4,226 |
| Core capital (leverage) ratio | 9.5345% | 4,022 |
| Tier 1 risk-based capital ratio | 17.2875% | 1,971 |
| Total risk-based capital ratio | 18.2132% | 2,009 |
| Memoranda: | ||
| Average total assets | $63,290,600 | 4,542 |
| Average earning assets | $59,280,400 | 4,530 |
| Average equity | $5,999,200 | 4,755 |
| Average total loans | $37,231,600 | 4,471 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9060% | 4,533 |
| Cost of funding earning assets | 0.4945% | 4,159 |
| Net interest margin | 3.4116% | 3,837 |
| Noninterest income to average assets | 0.6222% | 2,101 |
| Noninterest expense to average assets | 2.5290% | 3,356 |
| Loan and lease loss provision to assets | 0.0762% | 2,371 |
| Net operating income to assets | 1.2148% | 2,146 |
| Return on assets (ROA) | 1.2127% | 2,222 |
| Pretax return on assets | 1.2127% | 2,943 |
| Return on Equity (ROE) | 12.8503% | 1,339 |
| Retained earnings to average equity (ytd only) | 4.2161% | 3,292 |
| Net charge-offs to loans | -0.0251% | 4,644 |
| Credit loss provision to net charge-offs | -514.2857% | 4,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2050% | 2,698 |
| Assets per employee ($millions) | 4.2188% | 3,588 |
| Cash dividends to net income (ytd only)* | 67.1902% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 4,144 |
| Loan loss allowance to noncurrent loans | 42.2977% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 1,044 |
| Noncurrent loans to loans | 2.0654% | 644 |
| Net loans and leases to total assets | 58.0955% | 3,877 |
| Net loans and leases to deposits | 66.7199% | 4,013 |
| Net loans and leases to core deposits | 66.7199% | 4,234 |
| Total domestic deposits to total assets | 87.0737% | 1,478 |
| Equity capital to assets | 9.6394% | 4,347 |
| Core capital (leverage) ratio | 9.5131% | 4,152 |
| Tier 1 risk-based capital ratio | 17.0641% | 2,061 |
| Total risk-based capital ratio | 17.9678% | 2,117 |
| Memoranda: | ||
| Average total assets | $63,000,250 | 4,600 |
| Average earning assets | $59,052,250 | 4,588 |
| Average equity | $5,945,250 | 4,825 |
| Average total loans | $37,160,250 | 4,530 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 4,644 |
| Cost of funding earning assets | 0.4551% | 4,306 |
| Net interest margin | 3.3928% | 3,916 |
| Noninterest income to average assets | 0.6867% | 1,772 |
| Noninterest expense to average assets | 2.5435% | 3,347 |
| Loan and lease loss provision to assets | 0.0763% | 2,290 |
| Net operating income to assets | 1.2431% | 1,991 |
| Return on assets (ROA) | 1.2399% | 2,057 |
| Pretax return on assets | 1.2399% | 2,789 |
| Return on Equity (ROE) | 13.2345% | 1,175 |
| Retained earnings to average equity (ytd only) | 2.7148% | 3,843 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8436% | 2,826 |
| Assets per employee ($millions) | 4.2240% | 3,536 |
| Cash dividends to net income (ytd only)* | 79.4872% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8064% | 4,419 |
| Loan loss allowance to noncurrent loans | 39.3273% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.2200% | 1,077 |
| Noncurrent loans to loans | 2.0506% | 685 |
| Net loans and leases to total assets | 59.0167% | 3,821 |
| Net loans and leases to deposits | 67.5854% | 3,993 |
| Net loans and leases to core deposits | 67.5854% | 4,231 |
| Total domestic deposits to total assets | 87.3217% | 1,425 |
| Equity capital to assets | 9.4413% | 4,459 |
| Core capital (leverage) ratio | 9.8625% | 3,743 |
| Tier 1 risk-based capital ratio | 16.5237% | 2,226 |
| Total risk-based capital ratio | 17.3595% | 2,313 |
| Memoranda: | ||
| Average total assets | $62,906,330 | 4,639 |
| Average earning assets | $58,889,000 | 4,627 |
| Average equity | $5,893,670 | 4,860 |
| Average total loans | $37,184,330 | 4,566 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 4,623 |
| Cost of funding earning assets | 0.4571% | 4,256 |
| Net interest margin | 3.3978% | 3,891 |
| Noninterest income to average assets | 0.8998% | 1,040 |
| Noninterest expense to average assets | 2.5016% | 3,503 |
| Loan and lease loss provision to assets | 0.0766% | 2,145 |
| Net operating income to assets | 1.4997% | 1,117 |
| Return on assets (ROA) | 1.4997% | 1,147 |
| Pretax return on assets | 1.4997% | 1,771 |
| Return on Equity (ROE) | 16.0697% | 583 |
| Retained earnings to average equity (ytd only) | 5.1286% | 2,849 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3459% | 3,631 |
| Assets per employee ($millions) | 4.0491% | 3,850 |
| Cash dividends to net income (ytd only)* | 68.0851% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7919% | 4,548 |
| Loan loss allowance to noncurrent loans | 36.9153% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.3023% | 1,003 |
| Noncurrent loans to loans | 2.1452% | 673 |
| Net loans and leases to total assets | 60.2285% | 3,683 |
| Net loans and leases to deposits | 66.8256% | 3,996 |
| Net loans and leases to core deposits | 66.8256% | 4,242 |
| Total domestic deposits to total assets | 90.1279% | 406 |
| Equity capital to assets | 9.7453% | 4,049 |
| Core capital (leverage) ratio | 9.5985% | 4,023 |
| Tier 1 risk-based capital ratio | 16.5340% | 2,253 |
| Total risk-based capital ratio | 17.3380% | 2,345 |
| Memoranda: | ||
| Average total assets | $62,679,500 | 4,691 |
| Average earning assets | $58,626,500 | 4,680 |
| Average equity | $5,849,500 | 4,912 |
| Average total loans | $36,928,000 | 4,621 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 4,577 |
| Cost of funding earning assets | 0.3556% | 4,249 |
| Net interest margin | 3.4006% | 4,000 |
| Noninterest income to average assets | 0.4852% | 2,911 |
| Noninterest expense to average assets | 2.6114% | 3,302 |
| Loan and lease loss provision to assets | 0.1115% | 1,980 |
| Net operating income to assets | 0.9443% | 3,266 |
| Return on assets (ROA) | 0.9443% | 3,259 |
| Pretax return on assets | 0.9443% | 3,776 |
| Return on Equity (ROE) | 10.3330% | 2,379 |
| Retained earnings to average equity (ytd only) | 4.6283% | 2,977 |
| Net charge-offs to loans | 0.1010% | 1,752 |
| Credit loss provision to net charge-offs | 200.0000% | 1,432 |
| Earnings coverage of net charge-offs (x) | 18.9412% | 2,098 |
| Efficiency ratio | 71.2114% | 2,015 |
| Assets per employee ($millions) | 4.3081% | 3,449 |
| Cash dividends to net income (ytd only)* | 55.2083% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7571% | 4,658 |
| Loan loss allowance to noncurrent loans | 35.7599% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.2117% | 1,078 |
| Noncurrent loans to loans | 2.1172% | 620 |
| Net loans and leases to total assets | 56.7964% | 4,068 |
| Net loans and leases to deposits | 63.5638% | 4,273 |
| Net loans and leases to core deposits | 63.5638% | 4,464 |
| Total domestic deposits to total assets | 89.3535% | 711 |
| Equity capital to assets | 8.9443% | 4,620 |
| Core capital (leverage) ratio | 9.3914% | 4,244 |
| Tier 1 risk-based capital ratio | 16.0037% | 2,401 |
| Total risk-based capital ratio | 16.7593% | 2,540 |
| Memoranda: | ||
| Average total assets | $61,000,600 | 4,742 |
| Average earning assets | $57,078,600 | 4,729 |
| Average equity | $5,574,400 | 4,958 |
| Average total loans | $33,674,000 | 4,725 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6283% | 4,757 |
| Cost of funding earning assets | 0.3094% | 4,457 |
| Net interest margin | 3.3189% | 4,229 |
| Noninterest income to average assets | 0.4992% | 2,874 |
| Noninterest expense to average assets | 2.5736% | 3,366 |
| Loan and lease loss provision to assets | 0.0799% | 2,360 |
| Net operating income to assets | 0.9629% | 3,252 |
| Return on assets (ROA) | 0.9629% | 3,262 |
| Pretax return on assets | 0.9629% | 3,841 |
| Return on Equity (ROE) | 10.4771% | 2,397 |
| Retained earnings to average equity (ytd only) | 2.8003% | 4,316 |
| Net charge-offs to loans | 0.1218% | 1,293 |
| Credit loss provision to net charge-offs | 120.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 15.6663% | 2,205 |
| Efficiency ratio | 71.1656% | 2,010 |
| Assets per employee ($millions) | 4.2004% | 3,572 |
| Cash dividends to net income (ytd only)* | 73.2723% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7101% | 4,857 |
| Loan loss allowance to noncurrent loans | 31.6583% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.2634% | 1,094 |
| Noncurrent loans to loans | 2.2429% | 620 |
| Net loans and leases to total assets | 55.9264% | 4,227 |
| Net loans and leases to deposits | 63.6472% | 4,352 |
| Net loans and leases to core deposits | 63.6472% | 4,539 |
| Total domestic deposits to total assets | 87.8694% | 1,297 |
| Equity capital to assets | 8.8674% | 4,666 |
| Core capital (leverage) ratio | 9.3277% | 4,368 |
| Tier 1 risk-based capital ratio | 16.2297% | 2,365 |
| Total risk-based capital ratio | 16.9363% | 2,511 |
| Memoranda: | ||
| Average total assets | $60,095,250 | 4,817 |
| Average earning assets | $56,443,750 | 4,789 |
| Average equity | $5,523,000 | 5,026 |
| Average total loans | $32,846,750 | 4,800 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 4,746 |
| Cost of funding earning assets | 0.2920% | 4,473 |
| Net interest margin | 3.3201% | 4,191 |
| Noninterest income to average assets | 0.4702% | 3,034 |
| Noninterest expense to average assets | 2.5945% | 3,343 |
| Loan and lease loss provision to assets | 0.0812% | 2,286 |
| Net operating income to assets | 0.9099% | 3,419 |
| Return on assets (ROA) | 0.9099% | 3,423 |
| Pretax return on assets | 0.9099% | 3,934 |
| Return on Equity (ROE) | 9.7788% | 2,672 |
| Retained earnings to average equity (ytd only) | 0.3999% | 4,894 |
| Net charge-offs to loans | 0.1877% | 833 |
| Credit loss provision to net charge-offs | 80.0000% | 2,256 |
| Earnings coverage of net charge-offs (x) | 9.7667% | 2,375 |
| Efficiency ratio | 72.3585% | 1,940 |
| Assets per employee ($millions) | 4.3073% | 3,411 |
| Cash dividends to net income (ytd only)* | 95.9108% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7095% | 4,929 |
| Loan loss allowance to noncurrent loans | 41.8118% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 0.9519% | 1,588 |
| Noncurrent loans to loans | 1.6970% | 939 |
| Net loans and leases to total assets | 55.6947% | 4,191 |
| Net loans and leases to deposits | 62.4686% | 4,390 |
| Net loans and leases to core deposits | 62.4686% | 4,584 |
| Total domestic deposits to total assets | 89.1562% | 866 |
| Equity capital to assets | 9.1108% | 4,470 |
| Core capital (leverage) ratio | 9.5933% | 4,002 |
| Tier 1 risk-based capital ratio | 16.4301% | 2,277 |
| Total risk-based capital ratio | 17.1239% | 2,429 |
| Memoranda: | ||
| Average total assets | $59,125,000 | 4,886 |
| Average earning assets | $55,480,670 | 4,869 |
| Average equity | $5,501,670 | 5,083 |
| Average total loans | $31,966,000 | 4,874 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5089% | 4,866 |
| Cost of funding earning assets | 0.2761% | 4,536 |
| Net interest margin | 3.2328% | 4,362 |
| Noninterest income to average assets | 0.4920% | 2,852 |
| Noninterest expense to average assets | 2.6103% | 3,308 |
| Loan and lease loss provision to assets | 0.0820% | 2,151 |
| Net operating income to assets | 0.8405% | 3,552 |
| Return on assets (ROA) | 0.8405% | 3,567 |
| Pretax return on assets | 0.8405% | 4,051 |
| Return on Equity (ROE) | 8.9365% | 2,934 |
| Retained earnings to average equity (ytd only) | -1.9617% | 5,009 |
| Net charge-offs to loans | 0.3866% | 405 |
| Credit loss provision to net charge-offs | 40.0000% | 2,015 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,297 |
| Efficiency ratio | 73.8878% | 1,913 |
| Assets per employee ($millions) | 4.1630% | 3,709 |
| Cash dividends to net income (ytd only)* | 121.9512% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7179% | 4,991 |
| Loan loss allowance to noncurrent loans | 39.1753% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9986% | 1,572 |
| Noncurrent loans to loans | 1.8324% | 907 |
| Net loans and leases to total assets | 54.1042% | 4,272 |
| Net loans and leases to deposits | 59.7589% | 4,489 |
| Net loans and leases to core deposits | 59.7589% | 4,671 |
| Total domestic deposits to total assets | 90.5374% | 461 |
| Equity capital to assets | 9.3734% | 4,210 |
| Core capital (leverage) ratio | 9.7720% | 3,783 |
| Tier 1 risk-based capital ratio | 17.1518% | 2,073 |
| Total risk-based capital ratio | 17.8446% | 2,188 |
| Memoranda: | ||
| Average total assets | $58,536,500 | 4,957 |
| Average earning assets | $55,060,000 | 4,934 |
| Average equity | $5,505,500 | 5,136 |
| Average total loans | $31,036,500 | 4,949 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5184% | 4,760 |
| Cost of funding earning assets | 0.2480% | 4,583 |
| Net interest margin | 3.2703% | 4,251 |
| Noninterest income to average assets | 0.5331% | 2,806 |
| Noninterest expense to average assets | 2.5382% | 3,646 |
| Loan and lease loss provision to assets | 0.0413% | 3,438 |
| Net operating income to assets | 0.9922% | 2,284 |
| Return on assets (ROA) | 0.9922% | 2,315 |
| Pretax return on assets | 0.9922% | 3,608 |
| Return on Equity (ROE) | 10.6749% | 1,600 |
| Retained earnings to average equity (ytd only) | 6.6973% | 1,196 |
| Net charge-offs to loans | -0.0234% | 4,996 |
| Credit loss provision to net charge-offs | -342.8571% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0640% | 2,387 |
| Assets per employee ($millions) | 4.1994% | 3,654 |
| Cash dividends to net income (ytd only)* | 37.2617% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8116% | 4,789 |
| Loan loss allowance to noncurrent loans | 103.3613% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 3,239 |
| Noncurrent loans to loans | 0.7852% | 2,258 |
| Net loans and leases to total assets | 51.1405% | 4,580 |
| Net loans and leases to deposits | 56.5661% | 4,769 |
| Net loans and leases to core deposits | 56.5661% | 4,912 |
| Total domestic deposits to total assets | 90.4084% | 430 |
| Equity capital to assets | 9.4368% | 4,287 |
| Core capital (leverage) ratio | 9.5644% | 3,955 |
| Tier 1 risk-based capital ratio | 17.8927% | 1,830 |
| Total risk-based capital ratio | 18.6688% | 1,919 |
| Memoranda: | ||
| Average total assets | $58,152,200 | 5,001 |
| Average earning assets | $54,031,000 | 4,998 |
| Average equity | $5,405,200 | 5,202 |
| Average total loans | $29,895,600 | 5,031 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 4,765 |
| Cost of funding earning assets | 0.2482% | 4,581 |
| Net interest margin | 3.2739% | 4,247 |
| Noninterest income to average assets | 0.5725% | 2,617 |
| Noninterest expense to average assets | 2.4600% | 3,855 |
| Loan and lease loss provision to assets | 0.0414% | 3,282 |
| Net operating income to assets | 1.1036% | 2,075 |
| Return on assets (ROA) | 1.1036% | 2,123 |
| Pretax return on assets | 1.1036% | 3,288 |
| Return on Equity (ROE) | 11.9188% | 1,356 |
| Retained earnings to average equity (ytd only) | 6.5801% | 1,925 |
| Net charge-offs to loans | -0.0403% | 5,094 |
| Credit loss provision to net charge-offs | -200.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2398% | 2,836 |
| Assets per employee ($millions) | 4.5436% | 3,062 |
| Cash dividends to net income (ytd only)* | 44.7920% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 4,912 |
| Loan loss allowance to noncurrent loans | 372.3077% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 4,697 |
| Noncurrent loans to loans | 0.2133% | 4,214 |
| Net loans and leases to total assets | 51.1842% | 4,634 |
| Net loans and leases to deposits | 56.5103% | 4,844 |
| Net loans and leases to core deposits | 56.5103% | 4,969 |
| Total domestic deposits to total assets | 90.5751% | 304 |
| Equity capital to assets | 9.3436% | 4,600 |
| Core capital (leverage) ratio | 9.4637% | 4,210 |
| Tier 1 risk-based capital ratio | 17.4973% | 2,011 |
| Total risk-based capital ratio | 18.2569% | 2,108 |
| Memoranda: | ||
| Average total assets | $57,992,500 | 5,061 |
| Average earning assets | $53,716,250 | 5,056 |
| Average equity | $5,369,500 | 5,266 |
| Average total loans | $29,791,500 | 5,086 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4847% | 4,807 |
| Cost of funding earning assets | 0.2478% | 4,557 |
| Net interest margin | 3.2369% | 4,303 |
| Noninterest income to average assets | 0.5865% | 2,527 |
| Noninterest expense to average assets | 2.4638% | 3,878 |
| Loan and lease loss provision to assets | 0.0416% | 3,171 |
| Net operating income to assets | 1.0723% | 2,118 |
| Return on assets (ROA) | 1.0723% | 2,161 |
| Pretax return on assets | 1.0723% | 3,293 |
| Return on Equity (ROE) | 11.6173% | 1,418 |
| Retained earnings to average equity (ytd only) | 6.0906% | 2,063 |
| Net charge-offs to loans | -0.0879% | 5,381 |
| Credit loss provision to net charge-offs | -92.3077% | 4,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8652% | 2,865 |
| Assets per employee ($millions) | 4.5358% | 3,048 |
| Cash dividends to net income (ytd only)* | 47.5728% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7986% | 4,956 |
| Loan loss allowance to noncurrent loans | 235.2941% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 4,495 |
| Noncurrent loans to loans | 0.3394% | 3,829 |
| Net loans and leases to total assets | 50.5613% | 4,670 |
| Net loans and leases to deposits | 55.7229% | 4,859 |
| Net loans and leases to core deposits | 55.7229% | 5,006 |
| Total domestic deposits to total assets | 90.7370% | 285 |
| Equity capital to assets | 9.1900% | 4,726 |
| Core capital (leverage) ratio | 9.6231% | 3,995 |
| Tier 1 risk-based capital ratio | 17.5328% | 1,998 |
| Total risk-based capital ratio | 18.3018% | 2,099 |
| Memoranda: | ||
| Average total assets | $57,634,330 | 5,109 |
| Average earning assets | $53,261,000 | 5,099 |
| Average equity | $5,319,670 | 5,309 |
| Average total loans | $29,563,670 | 5,131 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5274% | 4,616 |
| Cost of funding earning assets | 0.2514% | 4,523 |
| Net interest margin | 3.2759% | 4,099 |
| Noninterest income to average assets | 0.6951% | 1,993 |
| Noninterest expense to average assets | 2.4786% | 3,885 |
| Loan and lease loss provision to assets | 0.0421% | 2,960 |
| Net operating income to assets | 1.1936% | 1,518 |
| Return on assets (ROA) | 1.1936% | 1,561 |
| Pretax return on assets | 1.1936% | 2,620 |
| Return on Equity (ROE) | 12.9032% | 1,020 |
| Retained earnings to average equity (ytd only) | 10.2467% | 754 |
| Net charge-offs to loans | -0.1501% | 5,565 |
| Credit loss provision to net charge-offs | -54.5455% | 3,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7297% | 3,374 |
| Assets per employee ($millions) | 4.0135% | 3,985 |
| Cash dividends to net income (ytd only)* | 20.5882% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8063% | 5,045 |
| Loan loss allowance to noncurrent loans | 421.8182% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 4,879 |
| Noncurrent loans to loans | 0.1912% | 4,439 |
| Net loans and leases to total assets | 50.7929% | 4,604 |
| Net loans and leases to deposits | 56.1955% | 4,805 |
| Net loans and leases to core deposits | 56.1955% | 4,966 |
| Total domestic deposits to total assets | 90.3860% | 520 |
| Equity capital to assets | 9.5357% | 4,251 |
| Core capital (leverage) ratio | 9.6384% | 3,943 |
| Tier 1 risk-based capital ratio | 17.9893% | 1,881 |
| Total risk-based capital ratio | 18.7558% | 1,985 |
| Memoranda: | ||
| Average total assets | $56,968,500 | 5,171 |
| Average earning assets | $52,504,000 | 5,166 |
| Average equity | $5,270,000 | 5,370 |
| Average total loans | $29,318,500 | 5,181 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4209% | 4,939 |
| Cost of funding earning assets | 0.2450% | 4,613 |
| Net interest margin | 3.1758% | 4,517 |
| Noninterest income to average assets | 0.5235% | 3,077 |
| Noninterest expense to average assets | 2.8713% | 2,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6105% | 4,165 |
| Return on assets (ROA) | 0.6105% | 4,282 |
| Pretax return on assets | 0.6105% | 4,757 |
| Return on Equity (ROE) | 6.4990% | 3,738 |
| Retained earnings to average equity (ytd only) | 3.5291% | 3,424 |
| Net charge-offs to loans | 0.3969% | 663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.9304% | 3,743 |
| Efficiency ratio | 82.4662% | 1,149 |
| Assets per employee ($millions) | 4.1249% | 3,742 |
| Cash dividends to net income (ytd only)* | 45.6973% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7199% | 5,323 |
| Loan loss allowance to noncurrent loans | 102.3810% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 2,698 |
| Noncurrent loans to loans | 0.7032% | 2,780 |
| Net loans and leases to total assets | 51.3438% | 4,661 |
| Net loans and leases to deposits | 56.4644% | 4,889 |
| Net loans and leases to core deposits | 56.4644% | 5,031 |
| Total domestic deposits to total assets | 90.9313% | 302 |
| Equity capital to assets | 8.9735% | 4,847 |
| Core capital (leverage) ratio | 9.2189% | 4,454 |
| Tier 1 risk-based capital ratio | 16.9028% | 2,188 |
| Total risk-based capital ratio | 17.5871% | 2,347 |
| Memoranda: | ||
| Average total assets | $55,201,800 | 5,240 |
| Average earning assets | $51,419,800 | 5,220 |
| Average equity | $5,185,400 | 5,440 |
| Average total loans | $28,973,200 | 5,227 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4515% | 4,922 |
| Cost of funding earning assets | 0.2432% | 4,667 |
| Net interest margin | 3.2083% | 4,468 |
| Noninterest income to average assets | 0.5180% | 3,132 |
| Noninterest expense to average assets | 2.8736% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6426% | 4,112 |
| Return on assets (ROA) | 0.6426% | 4,238 |
| Pretax return on assets | 0.6426% | 4,760 |
| Return on Equity (ROE) | 6.7613% | 3,687 |
| Retained earnings to average equity (ytd only) | 2.8022% | 4,213 |
| Net charge-offs to loans | 0.4870% | 436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.5047% | 3,558 |
| Efficiency ratio | 81.7234% | 1,226 |
| Assets per employee ($millions) | 4.1038% | 3,780 |
| Cash dividends to net income (ytd only)* | 58.5553% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7859% | 5,227 |
| Loan loss allowance to noncurrent loans | 112.4378% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 2,707 |
| Noncurrent loans to loans | 0.6990% | 2,937 |
| Net loans and leases to total assets | 49.6597% | 4,845 |
| Net loans and leases to deposits | 54.7336% | 5,069 |
| Net loans and leases to core deposits | 54.7336% | 5,201 |
| Total domestic deposits to total assets | 90.7298% | 266 |
| Equity capital to assets | 9.1971% | 4,974 |
| Core capital (leverage) ratio | 9.1902% | 4,608 |
| Tier 1 risk-based capital ratio | 17.1212% | 2,189 |
| Total risk-based capital ratio | 17.8602% | 2,323 |
| Memoranda: | ||
| Average total assets | $54,565,250 | 5,303 |
| Average earning assets | $50,991,750 | 5,276 |
| Average equity | $5,186,250 | 5,492 |
| Average total loans | $28,750,250 | 5,285 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4529% | 4,980 |
| Cost of funding earning assets | 0.2424% | 4,730 |
| Net interest margin | 3.2105% | 4,509 |
| Noninterest income to average assets | 0.4962% | 3,220 |
| Noninterest expense to average assets | 2.9513% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5597% | 4,444 |
| Return on assets (ROA) | 0.5597% | 4,559 |
| Pretax return on assets | 0.5597% | 4,999 |
| Return on Equity (ROE) | 5.8211% | 4,128 |
| Retained earnings to average equity (ytd only) | 1.0866% | 4,951 |
| Net charge-offs to loans | 0.3479% | 673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,183 |
| Efficiency ratio | 84.0595% | 1,044 |
| Assets per employee ($millions) | 3.5367% | 4,694 |
| Cash dividends to net income (ytd only)* | 81.3333% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 4,692 |
| Loan loss allowance to noncurrent loans | 100.7194% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 3,152 |
| Noncurrent loans to loans | 0.9599% | 2,361 |
| Net loans and leases to total assets | 54.0612% | 4,509 |
| Net loans and leases to deposits | 60.0050% | 4,798 |
| Net loans and leases to core deposits | 60.0050% | 4,980 |
| Total domestic deposits to total assets | 90.0944% | 453 |
| Equity capital to assets | 9.8320% | 4,408 |
| Core capital (leverage) ratio | 9.6875% | 3,948 |
| Tier 1 risk-based capital ratio | 17.2778% | 2,135 |
| Total risk-based capital ratio | 18.2162% | 2,192 |
| Memoranda: | ||
| Average total assets | $53,602,670 | 5,387 |
| Average earning assets | $50,334,330 | 5,347 |
| Average equity | $5,153,670 | 5,557 |
| Average total loans | $28,748,000 | 5,345 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4346% | 5,036 |
| Cost of funding earning assets | 0.2374% | 4,832 |
| Net interest margin | 3.1972% | 4,591 |
| Noninterest income to average assets | 0.5865% | 2,611 |
| Noninterest expense to average assets | 2.9028% | 2,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6830% | 3,803 |
| Return on assets (ROA) | 0.6830% | 3,916 |
| Pretax return on assets | 0.6830% | 4,576 |
| Return on Equity (ROE) | 7.1840% | 3,352 |
| Retained earnings to average equity (ytd only) | 2.9673% | 4,030 |
| Net charge-offs to loans | 0.2514% | 822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.1111% | 2,360 |
| Efficiency ratio | 80.9524% | 1,488 |
| Assets per employee ($millions) | 3.4514% | 4,884 |
| Cash dividends to net income (ytd only)* | 58.6957% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 4,042 |
| Loan loss allowance to noncurrent loans | 129.8755% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 3,339 |
| Noncurrent loans to loans | 0.8475% | 2,730 |
| Net loans and leases to total assets | 54.3258% | 4,423 |
| Net loans and leases to deposits | 60.3968% | 4,690 |
| Net loans and leases to core deposits | 60.3968% | 4,913 |
| Total domestic deposits to total assets | 89.9480% | 623 |
| Equity capital to assets | 9.9863% | 4,096 |
| Core capital (leverage) ratio | 9.6687% | 3,947 |
| Tier 1 risk-based capital ratio | 17.4493% | 2,137 |
| Total risk-based capital ratio | 18.5068% | 2,163 |
| Memoranda: | ||
| Average total assets | $53,878,500 | 5,427 |
| Average earning assets | $50,545,000 | 5,389 |
| Average equity | $5,122,500 | 5,605 |
| Average total loans | $28,642,000 | 5,392 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3890% | 5,186 |
| Cost of funding earning assets | 0.2657% | 4,639 |
| Net interest margin | 3.1233% | 4,848 |
| Noninterest income to average assets | 0.6249% | 2,590 |
| Noninterest expense to average assets | 2.7834% | 3,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7447% | 3,598 |
| Return on assets (ROA) | 0.7447% | 3,695 |
| Pretax return on assets | 0.7447% | 4,384 |
| Return on Equity (ROE) | 8.1298% | 2,886 |
| Retained earnings to average equity (ytd only) | 5.4131% | 2,132 |
| Net charge-offs to loans | -0.0217% | 5,292 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8924% | 1,831 |
| Assets per employee ($millions) | 3.9990% | 3,938 |
| Cash dividends to net income (ytd only)* | 33.4158% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 3,789 |
| Loan loss allowance to noncurrent loans | 183.3333% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 4,179 |
| Noncurrent loans to loans | 0.6240% | 3,316 |
| Net loans and leases to total assets | 50.9342% | 4,784 |
| Net loans and leases to deposits | 56.0709% | 5,035 |
| Net loans and leases to core deposits | 56.3490% | 5,185 |
| Total domestic deposits to total assets | 90.8388% | 323 |
| Equity capital to assets | 9.0648% | 5,061 |
| Core capital (leverage) ratio | 9.1306% | 4,713 |
| Tier 1 risk-based capital ratio | 17.8492% | 2,013 |
| Total risk-based capital ratio | 18.9981% | 1,990 |
| Memoranda: | ||
| Average total assets | $54,250,800 | 5,453 |
| Average earning assets | $50,428,000 | 5,425 |
| Average equity | $4,969,400 | 5,663 |
| Average total loans | $27,704,800 | 5,452 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3447% | 5,332 |
| Cost of funding earning assets | 0.2718% | 4,642 |
| Net interest margin | 3.0728% | 5,028 |
| Noninterest income to average assets | 0.6268% | 2,597 |
| Noninterest expense to average assets | 2.7946% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6887% | 3,953 |
| Return on assets (ROA) | 0.6887% | 4,070 |
| Pretax return on assets | 0.6887% | 4,716 |
| Return on Equity (ROE) | 7.4987% | 3,335 |
| Retained earnings to average equity (ytd only) | 3.8572% | 3,723 |
| Net charge-offs to loans | -0.0486% | 5,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2276% | 1,630 |
| Assets per employee ($millions) | 3.9590% | 3,956 |
| Cash dividends to net income (ytd only)* | 48.5620% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 3,723 |
| Loan loss allowance to noncurrent loans | 1,113.3333% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 5,375 |
| Noncurrent loans to loans | 0.1067% | 5,207 |
| Net loans and leases to total assets | 50.1137% | 4,924 |
| Net loans and leases to deposits | 55.1264% | 5,180 |
| Net loans and leases to core deposits | 55.4024% | 5,337 |
| Total domestic deposits to total assets | 90.9068% | 268 |
| Equity capital to assets | 9.0301% | 5,281 |
| Core capital (leverage) ratio | 9.0889% | 4,897 |
| Tier 1 risk-based capital ratio | 17.9134% | 2,047 |
| Total risk-based capital ratio | 19.1101% | 2,035 |
| Memoranda: | ||
| Average total assets | $53,817,000 | 5,532 |
| Average earning assets | $50,028,750 | 5,505 |
| Average equity | $4,943,000 | 5,739 |
| Average total loans | $27,419,500 | 5,528 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3453% | 5,355 |
| Cost of funding earning assets | 0.2744% | 4,676 |
| Net interest margin | 3.0709% | 5,039 |
| Noninterest income to average assets | 0.6832% | 2,287 |
| Noninterest expense to average assets | 2.7815% | 3,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7582% | 3,603 |
| Return on assets (ROA) | 0.7582% | 3,704 |
| Pretax return on assets | 0.7582% | 4,461 |
| Return on Equity (ROE) | 8.2075% | 2,938 |
| Retained earnings to average equity (ytd only) | 3.8600% | 3,547 |
| Net charge-offs to loans | -0.0294% | 5,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5790% | 1,976 |
| Assets per employee ($millions) | 3.5539% | 4,707 |
| Cash dividends to net income (ytd only)* | 52.9703% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 3,764 |
| Loan loss allowance to noncurrent loans | 292.8571% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 4,866 |
| Noncurrent loans to loans | 0.4113% | 4,248 |
| Net loans and leases to total assets | 50.4615% | 4,890 |
| Net loans and leases to deposits | 55.6763% | 5,139 |
| Net loans and leases to core deposits | 55.6763% | 5,331 |
| Total domestic deposits to total assets | 90.6337% | 406 |
| Equity capital to assets | 9.3100% | 4,885 |
| Core capital (leverage) ratio | 9.4390% | 4,362 |
| Tier 1 risk-based capital ratio | 18.2109% | 2,006 |
| Total risk-based capital ratio | 19.4169% | 1,978 |
| Memoranda: | ||
| Average total assets | $53,280,670 | 5,608 |
| Average earning assets | $49,562,330 | 5,575 |
| Average equity | $4,922,330 | 5,798 |
| Average total loans | $27,189,330 | 5,587 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2943% | 5,464 |
| Cost of funding earning assets | 0.2745% | 4,733 |
| Net interest margin | 3.0198% | 5,155 |
| Noninterest income to average assets | 0.6233% | 2,534 |
| Noninterest expense to average assets | 2.7860% | 3,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6458% | 4,065 |
| Return on assets (ROA) | 0.6458% | 4,184 |
| Pretax return on assets | 0.6458% | 4,780 |
| Return on Equity (ROE) | 7.0175% | 3,496 |
| Retained earnings to average equity (ytd only) | 4.7328% | 3,199 |
| Net charge-offs to loans | -0.0147% | 4,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1816% | 1,732 |
| Assets per employee ($millions) | 3.5124% | 4,878 |
| Cash dividends to net income (ytd only)* | 32.5581% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 4,001 |
| Loan loss allowance to noncurrent loans | 168.3938% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 1.0439% | 2,529 |
| Noncurrent loans to loans | 0.7110% | 3,492 |
| Net loans and leases to total assets | 50.9073% | 4,756 |
| Net loans and leases to deposits | 56.2179% | 5,037 |
| Net loans and leases to core deposits | 56.2179% | 5,239 |
| Total domestic deposits to total assets | 90.5535% | 513 |
| Equity capital to assets | 9.3592% | 4,897 |
| Core capital (leverage) ratio | 9.4290% | 4,383 |
| Tier 1 risk-based capital ratio | 18.4784% | 2,010 |
| Total risk-based capital ratio | 19.7000% | 1,964 |
| Memoranda: | ||
| Average total assets | $53,267,000 | 5,659 |
| Average earning assets | $49,540,000 | 5,622 |
| Average equity | $4,902,000 | 5,858 |
| Average total loans | $27,170,000 | 5,630 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5050% | 5,305 |
| Cost of funding earning assets | 0.3328% | 4,460 |
| Net interest margin | 3.1722% | 5,010 |
| Noninterest income to average assets | 0.5104% | 3,429 |
| Noninterest expense to average assets | 3.0625% | 2,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3269% | 5,450 |
| Return on assets (ROA) | 0.3269% | 5,520 |
| Pretax return on assets | 0.3269% | 5,652 |
| Return on Equity (ROE) | 3.5490% | 5,279 |
| Retained earnings to average equity (ytd only) | 2.3038% | 4,592 |
| Net charge-offs to loans | 0.5112% | 799 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.2128% | 4,468 |
| Efficiency ratio | 90.3553% | 820 |
| Assets per employee ($millions) | 3.3655% | 5,137 |
| Cash dividends to net income (ytd only)* | 35.0877% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 4,056 |
| Loan loss allowance to noncurrent loans | 3,240.0000% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.6815% | 3,531 |
| Noncurrent loans to loans | 0.0368% | 5,735 |
| Net loans and leases to total assets | 49.8997% | 4,986 |
| Net loans and leases to deposits | 54.8972% | 5,257 |
| Net loans and leases to core deposits | 54.8972% | 5,454 |
| Total domestic deposits to total assets | 90.8966% | 408 |
| Equity capital to assets | 9.0495% | 5,234 |
| Core capital (leverage) ratio | 9.1056% | 4,817 |
| Tier 1 risk-based capital ratio | 17.7675% | 2,212 |
| Total risk-based capital ratio | 18.9525% | 2,208 |
| Memoranda: | ||
| Average total assets | $52,309,400 | 5,737 |
| Average earning assets | $47,474,800 | 5,737 |
| Average equity | $4,818,200 | 5,906 |
| Average total loans | $27,583,000 | 5,669 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 5,263 |
| Cost of funding earning assets | 0.3473% | 4,366 |
| Net interest margin | 3.2056% | 4,947 |
| Noninterest income to average assets | 0.5110% | 3,474 |
| Noninterest expense to average assets | 3.1404% | 2,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2619% | 5,707 |
| Return on assets (ROA) | 0.2619% | 5,772 |
| Pretax return on assets | 0.2619% | 5,842 |
| Return on Equity (ROE) | 2.8307% | 5,603 |
| Retained earnings to average equity (ytd only) | 1.5263% | 5,285 |
| Net charge-offs to loans | 0.6936% | 502 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.7083% | 4,331 |
| Efficiency ratio | 92.3019% | 686 |
| Assets per employee ($millions) | 3.2921% | 5,250 |
| Cash dividends to net income (ytd only)* | 46.0809% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 4,173 |
| Loan loss allowance to noncurrent loans | 2,918.1818% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 3,717 |
| Noncurrent loans to loans | 0.0414% | 5,848 |
| Net loans and leases to total assets | 49.7779% | 5,036 |
| Net loans and leases to deposits | 54.8341% | 5,322 |
| Net loans and leases to core deposits | 54.8341% | 5,519 |
| Total domestic deposits to total assets | 90.7791% | 424 |
| Equity capital to assets | 9.1601% | 5,199 |
| Core capital (leverage) ratio | 9.2111% | 4,765 |
| Tier 1 risk-based capital ratio | 17.7412% | 2,297 |
| Total risk-based capital ratio | 18.9271% | 2,287 |
| Memoranda: | ||
| Average total assets | $51,924,750 | 5,806 |
| Average earning assets | $46,833,000 | 5,817 |
| Average equity | $4,804,500 | 5,968 |
| Average total loans | $27,680,250 | 5,718 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5742% | 5,225 |
| Cost of funding earning assets | 0.3665% | 4,244 |
| Net interest margin | 3.2077% | 4,921 |
| Noninterest income to average assets | 0.4761% | 3,664 |
| Noninterest expense to average assets | 3.1543% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2013% | 5,833 |
| Return on assets (ROA) | 0.2013% | 5,890 |
| Pretax return on assets | 0.2013% | 5,946 |
| Return on Equity (ROE) | 2.1677% | 5,803 |
| Retained earnings to average equity (ytd only) | 0.2084% | 5,630 |
| Net charge-offs to loans | 1.0406% | 330 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.3562% | 4,063 |
| Efficiency ratio | 94.0023% | 637 |
| Assets per employee ($millions) | 3.1913% | 5,438 |
| Cash dividends to net income (ytd only)* | 90.3846% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 4,688 |
| Loan loss allowance to noncurrent loans | 1,772.2222% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 3,767 |
| Noncurrent loans to loans | 0.0646% | 5,832 |
| Net loans and leases to total assets | 53.9766% | 4,543 |
| Net loans and leases to deposits | 59.5888% | 4,899 |
| Net loans and leases to core deposits | 59.5888% | 5,153 |
| Total domestic deposits to total assets | 90.5819% | 551 |
| Equity capital to assets | 9.3614% | 4,893 |
| Core capital (leverage) ratio | 9.5395% | 4,266 |
| Tier 1 risk-based capital ratio | 16.5835% | 2,788 |
| Total risk-based capital ratio | 17.6967% | 2,815 |
| Memoranda: | ||
| Average total assets | $51,675,000 | 5,864 |
| Average earning assets | $46,388,330 | 5,880 |
| Average equity | $4,797,670 | 6,010 |
| Average total loans | $28,060,000 | 5,744 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5828% | 5,222 |
| Cost of funding earning assets | 0.3971% | 4,007 |
| Net interest margin | 3.1857% | 4,969 |
| Noninterest income to average assets | 0.6156% | 2,645 |
| Noninterest expense to average assets | 2.9318% | 3,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5233% | 4,576 |
| Return on assets (ROA) | 0.5233% | 4,648 |
| Pretax return on assets | 0.5233% | 5,101 |
| Return on Equity (ROE) | 5.6590% | 4,205 |
| Retained earnings to average equity (ytd only) | 3.9946% | 3,717 |
| Net charge-offs to loans | 2.1030% | 120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.4595% | 3,343 |
| Efficiency ratio | 84.8552% | 1,571 |
| Assets per employee ($millions) | 3.3755% | 5,203 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 4,851 |
| Loan loss allowance to noncurrent loans | 1,663.1579% | 341 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 2,726 |
| Noncurrent loans to loans | 0.0694% | 5,933 |
| Net loans and leases to total assets | 53.4800% | 4,492 |
| Net loans and leases to deposits | 60.1319% | 4,747 |
| Net loans and leases to core deposits | 60.1319% | 5,026 |
| Total domestic deposits to total assets | 88.9378% | 1,703 |
| Equity capital to assets | 9.5335% | 4,456 |
| Core capital (leverage) ratio | 9.2646% | 4,627 |
| Tier 1 risk-based capital ratio | 16.9524% | 2,715 |
| Total risk-based capital ratio | 18.0694% | 2,731 |
| Memoranda: | ||
| Average total assets | $51,982,000 | 5,914 |
| Average earning assets | $46,332,000 | 5,932 |
| Average equity | $4,806,500 | 6,043 |
| Average total loans | $28,150,000 | 5,789 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7602% | 4,945 |
| Cost of funding earning assets | 0.4272% | 4,351 |
| Net interest margin | 3.3331% | 4,540 |
| Noninterest income to average assets | 0.4791% | 3,891 |
| Noninterest expense to average assets | 2.9551% | 3,181 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4849% | 4,797 |
| Return on assets (ROA) | 0.4849% | 4,938 |
| Pretax return on assets | 0.4849% | 5,243 |
| Return on Equity (ROE) | 5.3593% | 4,467 |
| Retained earnings to average equity (ytd only) | 3.6435% | 3,631 |
| Net charge-offs to loans | 0.2222% | 2,687 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.8923% | 3,726 |
| Efficiency ratio | 85.9053% | 1,421 |
| Assets per employee ($millions) | 3.5555% | 4,792 |
| Cash dividends to net income (ytd only)* | 32.0158% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 2,727 |
| Loan loss allowance to noncurrent loans | 262.7119% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 1.7250% | 2,142 |
| Noncurrent loans to loans | 0.6123% | 4,447 |
| Net loans and leases to total assets | 53.3282% | 4,675 |
| Net loans and leases to deposits | 59.5436% | 4,973 |
| Net loans and leases to core deposits | 59.5436% | 5,253 |
| Total domestic deposits to total assets | 89.5616% | 1,294 |
| Equity capital to assets | 8.9740% | 5,066 |
| Core capital (leverage) ratio | 8.9394% | 5,095 |
| Tier 1 risk-based capital ratio | 16.7863% | 2,722 |
| Total risk-based capital ratio | 17.9815% | 2,701 |
| Memoranda: | ||
| Average total assets | $52,181,000 | 5,963 |
| Average earning assets | $46,353,600 | 5,976 |
| Average equity | $4,720,800 | 6,136 |
| Average total loans | $29,250,200 | 5,799 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 4,949 |
| Cost of funding earning assets | 0.4366% | 4,428 |
| Net interest margin | 3.3367% | 4,507 |
| Noninterest income to average assets | 0.4779% | 3,949 |
| Noninterest expense to average assets | 2.9162% | 3,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5267% | 4,680 |
| Return on assets (ROA) | 0.5267% | 4,839 |
| Pretax return on assets | 0.5267% | 5,277 |
| Return on Equity (ROE) | 5.8100% | 4,281 |
| Retained earnings to average equity (ytd only) | 4.3361% | 3,592 |
| Net charge-offs to loans | 0.3045% | 2,012 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.0598% | 3,818 |
| Efficiency ratio | 84.7015% | 1,515 |
| Assets per employee ($millions) | 3.4547% | 4,941 |
| Cash dividends to net income (ytd only)* | 25.3649% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 3,150 |
| Loan loss allowance to noncurrent loans | 190.5350% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 1.9027% | 2,132 |
| Noncurrent loans to loans | 0.8231% | 4,189 |
| Net loans and leases to total assets | 56.0787% | 4,313 |
| Net loans and leases to deposits | 62.8596% | 4,648 |
| Net loans and leases to core deposits | 62.8596% | 5,027 |
| Total domestic deposits to total assets | 89.2127% | 1,452 |
| Equity capital to assets | 9.2088% | 4,927 |
| Core capital (leverage) ratio | 9.1025% | 4,969 |
| Tier 1 risk-based capital ratio | 16.2894% | 3,043 |
| Total risk-based capital ratio | 17.4746% | 3,032 |
| Memoranda: | ||
| Average total assets | $51,893,250 | 6,036 |
| Average earning assets | $46,112,750 | 6,052 |
| Average equity | $4,704,500 | 6,225 |
| Average total loans | $29,336,250 | 5,850 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6589% | 5,264 |
| Cost of funding earning assets | 0.4368% | 4,586 |
| Net interest margin | 3.2220% | 4,863 |
| Noninterest income to average assets | 0.4854% | 3,930 |
| Noninterest expense to average assets | 2.8545% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5008% | 4,794 |
| Return on assets (ROA) | 0.5008% | 4,965 |
| Pretax return on assets | 0.5008% | 5,377 |
| Return on Equity (ROE) | 5.5532% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.7416% | 3,233 |
| Net charge-offs to loans | -0.2323% | 6,705 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0746% | 1,520 |
| Assets per employee ($millions) | 3.4055% | 5,045 |
| Cash dividends to net income (ytd only)* | 14.6154% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8975% | 2,121 |
| Loan loss allowance to noncurrent loans | 53.0075% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 3.6959% | 1,003 |
| Noncurrent loans to loans | 3.5797% | 1,159 |
| Net loans and leases to total assets | 57.0816% | 4,126 |
| Net loans and leases to deposits | 64.0688% | 4,491 |
| Net loans and leases to core deposits | 64.0688% | 4,887 |
| Total domestic deposits to total assets | 89.0942% | 1,573 |
| Equity capital to assets | 9.2634% | 4,908 |
| Core capital (leverage) ratio | 9.1625% | 4,743 |
| Tier 1 risk-based capital ratio | 15.6761% | 3,380 |
| Total risk-based capital ratio | 16.8668% | 3,368 |
| Memoranda: | ||
| Average total assets | $51,917,670 | 6,074 |
| Average earning assets | $46,244,000 | 6,094 |
| Average equity | $4,682,000 | 6,273 |
| Average total loans | $29,274,000 | 5,880 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5906% | 5,478 |
| Cost of funding earning assets | 0.4414% | 4,692 |
| Net interest margin | 3.1492% | 5,095 |
| Noninterest income to average assets | 0.4892% | 3,851 |
| Noninterest expense to average assets | 2.9732% | 3,075 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3516% | 5,341 |
| Return on assets (ROA) | 0.3516% | 5,482 |
| Pretax return on assets | 0.3516% | 5,711 |
| Return on Equity (ROE) | 3.9510% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.9510% | 3,865 |
| Net charge-offs to loans | 0.0275% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,119 |
| Efficiency ratio | 89.4253% | 1,195 |
| Assets per employee ($millions) | 3.4237% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8471% | 2,453 |
| Loan loss allowance to noncurrent loans | 52.2817% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 4.1476% | 937 |
| Noncurrent loans to loans | 3.5330% | 1,353 |
| Net loans and leases to total assets | 54.5302% | 4,325 |
| Net loans and leases to deposits | 61.1281% | 4,667 |
| Net loans and leases to core deposits | 61.1281% | 5,040 |
| Total domestic deposits to total assets | 89.2065% | 1,555 |
| Equity capital to assets | 9.1091% | 5,360 |
| Core capital (leverage) ratio | 8.8065% | 5,178 |
| Tier 1 risk-based capital ratio | 15.7051% | 3,419 |
| Total risk-based capital ratio | 16.8603% | 3,431 |
| Memoranda: | ||
| Average total assets | $52,335,000 | 6,117 |
| Average earning assets | $47,123,000 | 6,123 |
| Average equity | $4,657,000 | 6,352 |
| Average total loans | $29,049,500 | 5,931 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 4,458 |
| Cost of funding earning assets | 0.5796% | 4,539 |
| Net interest margin | 3.6544% | 3,856 |
| Noninterest income to average assets | 0.4898% | 3,967 |
| Noninterest expense to average assets | 3.3414% | 2,219 |
| Loan and lease loss provision to assets | -0.1944% | 6,978 |
| Net operating income to assets | 0.5540% | 4,456 |
| Return on assets (ROA) | 0.5540% | 4,710 |
| Pretax return on assets | 0.5540% | 5,122 |
| Return on Equity (ROE) | 6.1862% | 4,068 |
| Retained earnings to average equity (ytd only) | 1.2807% | 5,230 |
| Net charge-offs to loans | -0.3223% | 6,984 |
| Credit loss provision to net charge-offs | 101.0101% | 2,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2836% | 1,041 |
| Assets per employee ($millions) | 3.5543% | 4,895 |
| Cash dividends to net income (ytd only)* | 79.2982% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 2,624 |
| Loan loss allowance to noncurrent loans | 97.6015% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 3.1211% | 1,507 |
| Noncurrent loans to loans | 1.8331% | 2,877 |
| Net loans and leases to total assets | 54.4668% | 4,554 |
| Net loans and leases to deposits | 60.7294% | 4,942 |
| Net loans and leases to core deposits | 60.7294% | 5,295 |
| Total domestic deposits to total assets | 89.6877% | 1,135 |
| Equity capital to assets | 8.6955% | 5,852 |
| Core capital (leverage) ratio | 8.6598% | 5,384 |
| Tier 1 risk-based capital ratio | 15.8027% | 3,267 |
| Total risk-based capital ratio | 16.9976% | 3,250 |
| Memoranda: | ||
| Average total assets | $51,446,000 | 6,169 |
| Average earning assets | $45,205,600 | 6,199 |
| Average equity | $4,607,000 | 6,413 |
| Average total loans | $30,712,400 | 5,913 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 4,158 |
| Cost of funding earning assets | 0.6107% | 4,534 |
| Net interest margin | 3.7630% | 3,496 |
| Noninterest income to average assets | 0.5519% | 3,601 |
| Noninterest expense to average assets | 3.3294% | 2,186 |
| Loan and lease loss provision to assets | -0.2615% | 7,107 |
| Net operating income to assets | 0.7715% | 3,594 |
| Return on assets (ROA) | 0.7715% | 3,848 |
| Pretax return on assets | 0.7715% | 4,591 |
| Return on Equity (ROE) | 8.5509% | 3,019 |
| Retained earnings to average equity (ytd only) | 3.9133% | 4,132 |
| Net charge-offs to loans | -0.4215% | 7,085 |
| Credit loss provision to net charge-offs | 102.0408% | 2,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7166% | 1,324 |
| Assets per employee ($millions) | 3.4583% | 5,067 |
| Cash dividends to net income (ytd only)* | 54.2383% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7969% | 2,809 |
| Loan loss allowance to noncurrent loans | 66.3317% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 3.5393% | 1,412 |
| Noncurrent loans to loans | 2.7090% | 2,088 |
| Net loans and leases to total assets | 55.6271% | 4,505 |
| Net loans and leases to deposits | 62.3523% | 4,921 |
| Net loans and leases to core deposits | 62.3523% | 5,323 |
| Total domestic deposits to total assets | 89.2142% | 1,302 |
| Equity capital to assets | 9.0893% | 5,728 |
| Core capital (leverage) ratio | 8.9925% | 5,077 |
| Tier 1 risk-based capital ratio | 14.7683% | 4,001 |
| Total risk-based capital ratio | 15.9048% | 4,047 |
| Memoranda: | ||
| Average total assets | $50,978,750 | 6,252 |
| Average earning assets | $44,537,500 | 6,291 |
| Average equity | $4,599,750 | 6,489 |
| Average total loans | $30,998,500 | 5,974 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 3,669 |
| Cost of funding earning assets | 0.6455% | 4,482 |
| Net interest margin | 3.8776% | 3,009 |
| Noninterest income to average assets | 0.3315% | 5,175 |
| Noninterest expense to average assets | 3.2044% | 2,570 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5170% | 4,734 |
| Return on assets (ROA) | 0.5170% | 5,004 |
| Pretax return on assets | 0.5170% | 5,394 |
| Return on Equity (ROE) | 5.7439% | 4,452 |
| Retained earnings to average equity (ytd only) | -0.7454% | 6,168 |
| Net charge-offs to loans | -0.6088% | 7,147 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1082% | 1,423 |
| Assets per employee ($millions) | 3.1914% | 5,660 |
| Cash dividends to net income (ytd only)* | 112.9771% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0278% | 2,158 |
| Loan loss allowance to noncurrent loans | 230.9963% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 2.5517% | 2,190 |
| Noncurrent loans to loans | 0.8778% | 4,736 |
| Net loans and leases to total assets | 59.2308% | 3,953 |
| Net loans and leases to deposits | 66.3151% | 4,469 |
| Net loans and leases to core deposits | 66.3151% | 4,962 |
| Total domestic deposits to total assets | 89.3171% | 1,320 |
| Equity capital to assets | 8.9282% | 5,776 |
| Core capital (leverage) ratio | 8.8001% | 5,212 |
| Tier 1 risk-based capital ratio | 13.6824% | 4,687 |
| Total risk-based capital ratio | 14.8804% | 4,688 |
| Memoranda: | ||
| Average total assets | $50,680,330 | 6,305 |
| Average earning assets | $44,306,000 | 6,339 |
| Average equity | $4,561,330 | 6,527 |
| Average total loans | $31,536,670 | 5,987 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6521% | 3,253 |
| Cost of funding earning assets | 0.6620% | 4,617 |
| Net interest margin | 3.9901% | 2,551 |
| Noninterest income to average assets | 0.5229% | 3,760 |
| Noninterest expense to average assets | 3.2720% | 2,380 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7843% | 3,449 |
| Return on assets (ROA) | 0.7843% | 3,691 |
| Pretax return on assets | 0.7843% | 4,477 |
| Return on Equity (ROE) | 8.6795% | 2,958 |
| Retained earnings to average equity (ytd only) | -0.7890% | 6,122 |
| Net charge-offs to loans | -0.1130% | 6,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6641% | 2,125 |
| Assets per employee ($millions) | 3.1393% | 5,881 |
| Cash dividends to net income (ytd only)* | 109.0909% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7108% | 3,304 |
| Loan loss allowance to noncurrent loans | 137.5000% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 2.7096% | 2,177 |
| Noncurrent loans to loans | 1.2442% | 4,260 |
| Net loans and leases to total assets | 61.6529% | 3,326 |
| Net loans and leases to deposits | 69.1938% | 3,843 |
| Net loans and leases to core deposits | 69.1938% | 4,537 |
| Total domestic deposits to total assets | 89.1017% | 1,640 |
| Equity capital to assets | 9.0786% | 5,387 |
| Core capital (leverage) ratio | 8.8630% | 5,044 |
| Tier 1 risk-based capital ratio | 13.8256% | 4,591 |
| Total risk-based capital ratio | 15.0281% | 4,608 |
| Memoranda: | ||
| Average total assets | $50,489,000 | 6,356 |
| Average earning assets | $44,711,000 | 6,373 |
| Average equity | $4,562,500 | 6,561 |
| Average total loans | $31,869,500 | 6,014 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8076% | 3,776 |
| Cost of funding earning assets | 0.8421% | 4,527 |
| Net interest margin | 3.9655% | 3,039 |
| Noninterest income to average assets | 0.4676% | 4,074 |
| Noninterest expense to average assets | 2.9992% | 3,592 |
| Loan and lease loss provision to assets | 0.4045% | 2,573 |
| Net operating income to assets | 0.5762% | 4,114 |
| Return on assets (ROA) | 0.5762% | 4,299 |
| Pretax return on assets | 0.5762% | 4,761 |
| Return on Equity (ROE) | 6.7025% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.7025% | 1,638 |
| Net charge-offs to loans | 0.8049% | 2,147 |
| Credit loss provision to net charge-offs | 76.4925% | 4,622 |
| Earnings coverage of net charge-offs (x) | 1.8545% | 4,382 |
| Efficiency ratio | 75.3594% | 2,998 |
| Assets per employee ($millions) | 3.1719% | 5,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 3,400 |
| Loan loss allowance to noncurrent loans | 267.6768% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 2.2995% | 2,626 |
| Noncurrent loans to loans | 0.6143% | 5,488 |
| Net loans and leases to total assets | 62.4690% | 3,511 |
| Net loans and leases to deposits | 70.0603% | 4,085 |
| Net loans and leases to core deposits | 70.0603% | 4,770 |
| Total domestic deposits to total assets | 89.1645% | 1,442 |
| Equity capital to assets | 8.9951% | 5,555 |
| Core capital (leverage) ratio | 8.7082% | 5,239 |
| Tier 1 risk-based capital ratio | 14.0283% | 4,308 |
| Total risk-based capital ratio | 15.2491% | 4,284 |
| Memoranda: | ||
| Average total assets | $50,680,800 | 6,345 |
| Average earning assets | $44,887,000 | 6,363 |
| Average equity | $4,356,600 | 6,641 |
| Average total loans | $33,296,400 | 5,991 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8707% | 3,678 |
| Cost of funding earning assets | 0.8867% | 4,492 |
| Net interest margin | 3.9840% | 2,984 |
| Noninterest income to average assets | 0.4421% | 4,351 |
| Noninterest expense to average assets | 2.9791% | 3,637 |
| Loan and lease loss provision to assets | 0.4605% | 2,153 |
| Net operating income to assets | 0.5263% | 4,422 |
| Return on assets (ROA) | 0.5263% | 4,605 |
| Pretax return on assets | 0.5263% | 5,057 |
| Return on Equity (ROE) | 6.1949% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.1949% | 2,430 |
| Net charge-offs to loans | 0.9217% | 1,741 |
| Credit loss provision to net charge-offs | 75.4310% | 4,294 |
| Earnings coverage of net charge-offs (x) | 1.6164% | 4,434 |
| Efficiency ratio | 75.1161% | 2,985 |
| Assets per employee ($millions) | 3.2146% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 3,427 |
| Loan loss allowance to noncurrent loans | 96.9259% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 2.1970% | 2,893 |
| Noncurrent loans to loans | 1.7076% | 3,748 |
| Net loans and leases to total assets | 61.9221% | 3,745 |
| Net loans and leases to deposits | 69.2234% | 4,423 |
| Net loans and leases to core deposits | 69.2234% | 5,037 |
| Total domestic deposits to total assets | 89.4525% | 1,167 |
| Equity capital to assets | 8.7063% | 6,077 |
| Core capital (leverage) ratio | 8.4626% | 5,761 |
| Tier 1 risk-based capital ratio | 14.1686% | 4,223 |
| Total risk-based capital ratio | 15.4240% | 4,186 |
| Memoranda: | ||
| Average total assets | $50,663,500 | 6,403 |
| Average earning assets | $44,811,250 | 6,425 |
| Average equity | $4,304,500 | 6,707 |
| Average total loans | $33,562,250 | 6,033 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 3,443 |
| Cost of funding earning assets | 0.9256% | 4,485 |
| Net interest margin | 4.0141% | 2,770 |
| Noninterest income to average assets | 0.5515% | 3,467 |
| Noninterest expense to average assets | 3.2377% | 2,780 |
| Loan and lease loss provision to assets | 0.5753% | 1,686 |
| Net operating income to assets | 0.2658% | 5,495 |
| Return on assets (ROA) | 0.2658% | 5,624 |
| Pretax return on assets | 0.2658% | 5,761 |
| Return on Equity (ROE) | 3.1554% | 5,328 |
| Retained earnings to average equity (ytd only) | 3.1554% | 4,263 |
| Net charge-offs to loans | 1.2723% | 1,222 |
| Credit loss provision to net charge-offs | 67.1296% | 4,136 |
| Earnings coverage of net charge-offs (x) | 0.9815% | 4,561 |
| Efficiency ratio | 79.3774% | 2,493 |
| Assets per employee ($millions) | 3.1002% | 5,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 3,757 |
| Loan loss allowance to noncurrent loans | 118.9066% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 2.2741% | 2,888 |
| Noncurrent loans to loans | 1.3327% | 4,425 |
| Net loans and leases to total assets | 65.3569% | 3,173 |
| Net loans and leases to deposits | 73.1822% | 3,919 |
| Net loans and leases to core deposits | 73.1822% | 4,687 |
| Total domestic deposits to total assets | 89.3071% | 1,354 |
| Equity capital to assets | 8.7092% | 5,933 |
| Core capital (leverage) ratio | 8.5024% | 5,551 |
| Tier 1 risk-based capital ratio | 13.2192% | 4,753 |
| Total risk-based capital ratio | 14.4727% | 4,726 |
| Memoranda: | ||
| Average total assets | $50,406,670 | 6,472 |
| Average earning assets | $44,293,330 | 6,500 |
| Average equity | $4,246,670 | 6,763 |
| Average total loans | $33,954,670 | 6,076 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 3,552 |
| Cost of funding earning assets | 0.9546% | 4,535 |
| Net interest margin | 3.9522% | 2,905 |
| Noninterest income to average assets | 0.5590% | 3,442 |
| Noninterest expense to average assets | 2.8972% | 4,067 |
| Loan and lease loss provision to assets | 0.9054% | 885 |
| Net operating income to assets | 0.2441% | 5,636 |
| Return on assets (ROA) | 0.2441% | 5,702 |
| Pretax return on assets | 0.2441% | 5,827 |
| Return on Equity (ROE) | 2.9454% | 5,401 |
| Retained earnings to average equity (ytd only) | 2.9454% | 4,401 |
| Net charge-offs to loans | -0.1161% | 7,124 |
| Credit loss provision to net charge-offs | -1,150.0000% | 6,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5953% | 3,943 |
| Assets per employee ($millions) | 3.2913% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1241% | 2,132 |
| Loan loss allowance to noncurrent loans | 180.8564% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 2.3922% | 2,847 |
| Noncurrent loans to loans | 1.1745% | 4,735 |
| Net loans and leases to total assets | 67.0137% | 2,753 |
| Net loans and leases to deposits | 74.9830% | 3,590 |
| Net loans and leases to core deposits | 74.9830% | 4,432 |
| Total domestic deposits to total assets | 89.3719% | 1,548 |
| Equity capital to assets | 8.6208% | 5,752 |
| Core capital (leverage) ratio | 8.1958% | 5,974 |
| Tier 1 risk-based capital ratio | 12.7022% | 5,062 |
| Total risk-based capital ratio | 13.9647% | 5,027 |
| Memoranda: | ||
| Average total assets | $50,808,500 | 6,506 |
| Average earning assets | $44,836,000 | 6,528 |
| Average equity | $4,210,000 | 6,807 |
| Average total loans | $34,461,500 | 6,107 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4031% | 2,657 |
| Cost of funding earning assets | 1.1675% | 4,752 |
| Net interest margin | 4.2357% | 2,041 |
| Noninterest income to average assets | 0.6551% | 3,116 |
| Noninterest expense to average assets | 2.8921% | 4,258 |
| Loan and lease loss provision to assets | 1.4559% | 1,024 |
| Net operating income to assets | 0.0118% | 5,805 |
| Return on assets (ROA) | 0.0118% | 5,937 |
| Pretax return on assets | 0.0118% | 5,876 |
| Return on Equity (ROE) | 0.1361% | 5,930 |
| Retained earnings to average equity (ytd only) | -1.2927% | 5,856 |
| Net charge-offs to loans | 1.6257% | 1,332 |
| Credit loss provision to net charge-offs | 123.5392% | 3,352 |
| Earnings coverage of net charge-offs (x) | 1.2454% | 4,854 |
| Efficiency ratio | 66.3357% | 4,906 |
| Assets per employee ($millions) | 3.4832% | 4,971 |
| Cash dividends to net income (ytd only)* | 1,050.0000% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6884% | 3,264 |
| Loan loss allowance to noncurrent loans | 101.7153% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 2.3542% | 2,913 |
| Noncurrent loans to loans | 1.6600% | 4,016 |
| Net loans and leases to total assets | 66.0848% | 3,454 |
| Net loans and leases to deposits | 74.9566% | 4,032 |
| Net loans and leases to core deposits | 74.9566% | 4,855 |
| Total domestic deposits to total assets | 88.1641% | 2,141 |
| Equity capital to assets | 7.9697% | 6,523 |
| Core capital (leverage) ratio | 7.7560% | 6,489 |
| Tier 1 risk-based capital ratio | 12.1163% | 5,366 |
| Total risk-based capital ratio | 13.3240% | 5,388 |
| Memoranda: | ||
| Average total assets | $50,828,800 | 6,500 |
| Average earning assets | $44,455,800 | 6,564 |
| Average equity | $4,409,400 | 6,848 |
| Average total loans | $36,846,200 | 6,073 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4849% | 2,493 |
| Cost of funding earning assets | 1.1997% | 4,866 |
| Net interest margin | 4.2852% | 1,896 |
| Noninterest income to average assets | 0.7027% | 2,802 |
| Noninterest expense to average assets | 2.8687% | 4,211 |
| Loan and lease loss provision to assets | 1.2944% | 1,077 |
| Net operating income to assets | 0.2853% | 5,223 |
| Return on assets (ROA) | 0.2853% | 5,386 |
| Pretax return on assets | 0.2853% | 5,544 |
| Return on Equity (ROE) | 3.2209% | 5,134 |
| Retained earnings to average equity (ytd only) | 1.3421% | 5,272 |
| Net charge-offs to loans | 1.7347% | 1,121 |
| Credit loss provision to net charge-offs | 101.0309% | 4,274 |
| Earnings coverage of net charge-offs (x) | 1.2330% | 4,827 |
| Efficiency ratio | 64.4893% | 5,160 |
| Assets per employee ($millions) | 3.1139% | 5,894 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 5,099 |
| Loan loss allowance to noncurrent loans | 59.2737% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 2.8752% | 2,525 |
| Noncurrent loans to loans | 2.1473% | 3,515 |
| Net loans and leases to total assets | 66.9639% | 3,469 |
| Net loans and leases to deposits | 76.5831% | 4,075 |
| Net loans and leases to core deposits | 76.5831% | 4,984 |
| Total domestic deposits to total assets | 87.4395% | 2,296 |
| Equity capital to assets | 8.7313% | 5,965 |
| Core capital (leverage) ratio | 8.8897% | 4,863 |
| Tier 1 risk-based capital ratio | 12.3920% | 5,083 |
| Total risk-based capital ratio | 13.6047% | 5,089 |
| Memoranda: | ||
| Average total assets | $50,474,000 | 6,592 |
| Average earning assets | $44,120,000 | 6,653 |
| Average equity | $4,470,750 | 6,919 |
| Average total loans | $37,277,500 | 6,130 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4497% | 2,754 |
| Cost of funding earning assets | 1.2267% | 4,976 |
| Net interest margin | 4.2229% | 2,081 |
| Noninterest income to average assets | 0.7573% | 2,343 |
| Noninterest expense to average assets | 2.9082% | 4,043 |
| Loan and lease loss provision to assets | 1.8528% | 670 |
| Net operating income to assets | -0.2739% | 6,445 |
| Return on assets (ROA) | -0.2739% | 6,489 |
| Pretax return on assets | -0.2739% | 6,395 |
| Return on Equity (ROE) | -3.0767% | 6,525 |
| Retained earnings to average equity (ytd only) | -5.9272% | 6,648 |
| Net charge-offs to loans | 2.4222% | 721 |
| Credit loss provision to net charge-offs | 100.6565% | 4,046 |
| Earnings coverage of net charge-offs (x) | 0.8578% | 4,911 |
| Efficiency ratio | 64.8115% | 5,184 |
| Assets per employee ($millions) | 2.9051% | 6,344 |
| Cash dividends to net income (ytd only)* | -92.6471% | 7,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 5,348 |
| Loan loss allowance to noncurrent loans | 42.7230% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 3.4483% | 2,039 |
| Noncurrent loans to loans | 2.8574% | 2,801 |
| Net loans and leases to total assets | 74.5474% | 1,802 |
| Net loans and leases to deposits | 85.8462% | 2,529 |
| Net loans and leases to core deposits | 85.8462% | 3,859 |
| Total domestic deposits to total assets | 86.8384% | 2,629 |
| Equity capital to assets | 9.0107% | 5,432 |
| Core capital (leverage) ratio | 8.8861% | 4,779 |
| Tier 1 risk-based capital ratio | 12.0314% | 5,279 |
| Total risk-based capital ratio | 13.2638% | 5,263 |
| Memoranda: | ||
| Average total assets | $49,653,330 | 6,662 |
| Average earning assets | $43,856,000 | 6,705 |
| Average equity | $4,420,330 | 6,970 |
| Average total loans | $37,735,000 | 6,146 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4912% | 2,629 |
| Cost of funding earning assets | 1.2431% | 5,156 |
| Net interest margin | 4.2481% | 1,862 |
| Noninterest income to average assets | 0.9239% | 1,539 |
| Noninterest expense to average assets | 3.0610% | 3,430 |
| Loan and lease loss provision to assets | 1.2855% | 944 |
| Net operating income to assets | 0.3937% | 4,864 |
| Return on assets (ROA) | 0.3937% | 5,009 |
| Pretax return on assets | 0.3937% | 5,314 |
| Return on Equity (ROE) | 4.4490% | 4,683 |
| Retained earnings to average equity (ytd only) | 2.4515% | 4,663 |
| Net charge-offs to loans | 2.7181% | 590 |
| Credit loss provision to net charge-offs | 62.0155% | 4,263 |
| Earnings coverage of net charge-offs (x) | 0.8101% | 4,319 |
| Efficiency ratio | 64.5763% | 5,377 |
| Assets per employee ($millions) | 3.0008% | 6,214 |
| Cash dividends to net income (ytd only)* | 44.8980% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 6,718 |
| Loan loss allowance to noncurrent loans | 29.2562% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 3.0263% | 2,367 |
| Noncurrent loans to loans | 3.2034% | 2,489 |
| Net loans and leases to total assets | 77.9331% | 1,166 |
| Net loans and leases to deposits | 90.1183% | 1,885 |
| Net loans and leases to core deposits | 90.1183% | 3,353 |
| Total domestic deposits to total assets | 86.4787% | 2,907 |
| Equity capital to assets | 9.2017% | 4,985 |
| Core capital (leverage) ratio | 8.8830% | 4,753 |
| Tier 1 risk-based capital ratio | 11.9926% | 5,203 |
| Total risk-based capital ratio | 12.9557% | 5,439 |
| Memoranda: | ||
| Average total assets | $49,787,000 | 6,740 |
| Average earning assets | $44,726,000 | 6,749 |
| Average equity | $4,405,500 | 7,036 |
| Average total loans | $37,967,000 | 6,212 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6591% | 3,296 |
| Cost of funding earning assets | 1.7092% | 4,453 |
| Net interest margin | 3.9499% | 3,078 |
| Noninterest income to average assets | 0.6769% | 3,104 |
| Noninterest expense to average assets | 3.0712% | 3,868 |
| Loan and lease loss provision to assets | 0.3615% | 4,633 |
| Net operating income to assets | 0.9019% | 2,170 |
| Return on assets (ROA) | 0.9019% | 2,237 |
| Pretax return on assets | 0.9019% | 2,916 |
| Return on Equity (ROE) | 10.4292% | 1,571 |
| Retained earnings to average equity (ytd only) | -0.9291% | 5,235 |
| Net charge-offs to loans | 0.4845% | 3,834 |
| Credit loss provision to net charge-offs | 94.7368% | 5,826 |
| Earnings coverage of net charge-offs (x) | 3.3105% | 3,408 |
| Efficiency ratio | 70.8526% | 4,466 |
| Assets per employee ($millions) | 3.2226% | 5,673 |
| Cash dividends to net income (ytd only)* | 108.9087% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 5,434 |
| Loan loss allowance to noncurrent loans | 31.7895% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 3.4988% | 1,921 |
| Noncurrent loans to loans | 3.7341% | 2,013 |
| Net loans and leases to total assets | 73.1347% | 2,472 |
| Net loans and leases to deposits | 81.8800% | 3,640 |
| Net loans and leases to core deposits | 92.3312% | 4,843 |
| Total domestic deposits to total assets | 89.3194% | 1,318 |
| Equity capital to assets | 8.5200% | 5,852 |
| Core capital (leverage) ratio | 8.4261% | 5,397 |
| Tier 1 risk-based capital ratio | 11.6068% | 5,291 |
| Total risk-based capital ratio | 12.8070% | 5,300 |
| Memoranda: | ||
| Average total assets | $49,785,800 | 6,712 |
| Average earning assets | $46,102,600 | 6,679 |
| Average equity | $4,305,200 | 7,171 |
| Average total loans | $39,216,200 | 6,148 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7392% | 3,143 |
| Cost of funding earning assets | 1.7641% | 4,565 |
| Net interest margin | 3.9750% | 2,918 |
| Noninterest income to average assets | 0.7080% | 2,964 |
| Noninterest expense to average assets | 3.1696% | 3,403 |
| Loan and lease loss provision to assets | 0.4053% | 3,889 |
| Net operating income to assets | 0.8350% | 2,678 |
| Return on assets (ROA) | 0.8350% | 2,738 |
| Pretax return on assets | 0.8350% | 3,424 |
| Return on Equity (ROE) | 9.6186% | 2,061 |
| Retained earnings to average equity (ytd only) | -5.6030% | 6,334 |
| Net charge-offs to loans | 0.6383% | 2,768 |
| Credit loss provision to net charge-offs | 79.3651% | 5,782 |
| Earnings coverage of net charge-offs (x) | 2.4286% | 4,016 |
| Efficiency ratio | 71.8750% | 4,267 |
| Assets per employee ($millions) | 3.1464% | 5,791 |
| Cash dividends to net income (ytd only)* | 158.2514% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,682 |
| Loan loss allowance to noncurrent loans | 29.0922% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 3.0948% | 2,218 |
| Noncurrent loans to loans | 3.8039% | 1,952 |
| Net loans and leases to total assets | 75.0884% | 2,227 |
| Net loans and leases to deposits | 84.1350% | 3,620 |
| Net loans and leases to core deposits | 96.3058% | 4,774 |
| Total domestic deposits to total assets | 89.2475% | 1,084 |
| Equity capital to assets | 8.4542% | 6,307 |
| Core capital (leverage) ratio | 8.1776% | 6,058 |
| Tier 1 risk-based capital ratio | 11.4783% | 5,453 |
| Total risk-based capital ratio | 12.6231% | 5,505 |
| Memoranda: | ||
| Average total assets | $49,342,000 | 6,786 |
| Average earning assets | $45,952,250 | 6,740 |
| Average equity | $4,283,250 | 7,255 |
| Average total loans | $39,479,750 | 6,181 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8637% | 2,743 |
| Cost of funding earning assets | 1.7867% | 4,826 |
| Net interest margin | 4.0770% | 2,405 |
| Noninterest income to average assets | 0.7182% | 2,879 |
| Noninterest expense to average assets | 3.2035% | 3,331 |
| Loan and lease loss provision to assets | 0.4897% | 3,083 |
| Net operating income to assets | 0.8243% | 2,758 |
| Return on assets (ROA) | 0.8243% | 2,857 |
| Pretax return on assets | 0.8243% | 3,589 |
| Return on Equity (ROE) | 9.4121% | 2,220 |
| Retained earnings to average equity (ytd only) | -13.3727% | 7,140 |
| Net charge-offs to loans | 0.9624% | 1,813 |
| Credit loss provision to net charge-offs | 62.5000% | 5,550 |
| Earnings coverage of net charge-offs (x) | 1.6771% | 4,291 |
| Efficiency ratio | 70.9124% | 4,605 |
| Assets per employee ($millions) | 3.1618% | 5,687 |
| Cash dividends to net income (ytd only)* | 242.0792% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 6,364 |
| Loan loss allowance to noncurrent loans | 36.5169% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 2.9295% | 2,176 |
| Noncurrent loans to loans | 2.6895% | 2,674 |
| Net loans and leases to total assets | 77.7259% | 1,812 |
| Net loans and leases to deposits | 86.9219% | 3,369 |
| Net loans and leases to core deposits | 100.0560% | 4,506 |
| Total domestic deposits to total assets | 89.4204% | 1,074 |
| Equity capital to assets | 8.2015% | 6,488 |
| Core capital (leverage) ratio | 8.3052% | 5,789 |
| Tier 1 risk-based capital ratio | 10.7895% | 6,094 |
| Total risk-based capital ratio | 11.8074% | 6,272 |
| Memoranda: | ||
| Average total assets | $49,008,670 | 6,869 |
| Average earning assets | $45,670,670 | 6,808 |
| Average equity | $4,292,330 | 7,312 |
| Average total loans | $39,898,330 | 6,210 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0337% | 2,222 |
| Cost of funding earning assets | 1.8716% | 4,784 |
| Net interest margin | 4.1621% | 2,043 |
| Noninterest income to average assets | 0.7051% | 2,860 |
| Noninterest expense to average assets | 3.0776% | 3,463 |
| Loan and lease loss provision to assets | 0.0415% | 6,449 |
| Net operating income to assets | 1.4600% | 1,017 |
| Return on assets (ROA) | 1.4600% | 1,093 |
| Pretax return on assets | 1.4600% | 1,782 |
| Return on Equity (ROE) | 16.1320% | 800 |
| Retained earnings to average equity (ytd only) | -14.2988% | 7,400 |
| Net charge-offs to loans | 0.0200% | 5,285 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 90.5000% | 474 |
| Efficiency ratio | 67.2101% | 5,101 |
| Assets per employee ($millions) | 2.9687% | 6,241 |
| Cash dividends to net income (ytd only)* | 188.6364% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 5,002 |
| Loan loss allowance to noncurrent loans | 44.6257% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 3.0653% | 1,843 |
| Noncurrent loans to loans | 2.6149% | 2,522 |
| Net loans and leases to total assets | 82.9133% | 864 |
| Net loans and leases to deposits | 91.4247% | 2,706 |
| Net loans and leases to core deposits | 105.6553% | 3,952 |
| Total domestic deposits to total assets | 90.6903% | 522 |
| Equity capital to assets | 9.0170% | 5,332 |
| Core capital (leverage) ratio | 8.8065% | 4,975 |
| Tier 1 risk-based capital ratio | 11.1822% | 5,718 |
| Total risk-based capital ratio | 12.4014% | 5,676 |
| Memoranda: | ||
| Average total assets | $48,219,000 | 6,941 |
| Average earning assets | $44,881,000 | 6,885 |
| Average equity | $4,364,000 | 7,333 |
| Average total loans | $39,992,500 | 6,239 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4083% | 3,375 |
| Cost of funding earning assets | 2.4352% | 4,543 |
| Net interest margin | 3.9730% | 3,254 |
| Noninterest income to average assets | 0.5929% | 3,891 |
| Noninterest expense to average assets | 2.8544% | 4,584 |
| Loan and lease loss provision to assets | 0.0407% | 6,906 |
| Net operating income to assets | 1.4139% | 1,200 |
| Return on assets (ROA) | 1.4139% | 1,153 |
| Pretax return on assets | 1.4139% | 1,931 |
| Return on Equity (ROE) | 16.7237% | 670 |
| Retained earnings to average equity (ytd only) | 5.5183% | 1,759 |
| Net charge-offs to loans | 0.0808% | 5,609 |
| Credit loss provision to net charge-offs | 62.5000% | 6,198 |
| Earnings coverage of net charge-offs (x) | 22.3125% | 1,476 |
| Efficiency ratio | 66.2411% | 5,077 |
| Assets per employee ($millions) | 2.8788% | 6,372 |
| Cash dividends to net income (ytd only)* | 67.0029% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 4,911 |
| Loan loss allowance to noncurrent loans | 70.5344% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.9718% | 2,494 |
| Noncurrent loans to loans | 1.6319% | 3,325 |
| Net loans and leases to total assets | 81.0703% | 1,419 |
| Net loans and leases to deposits | 89.5780% | 3,519 |
| Net loans and leases to core deposits | 102.9851% | 4,507 |
| Total domestic deposits to total assets | 90.5025% | 486 |
| Equity capital to assets | 9.0827% | 5,252 |
| Core capital (leverage) ratio | 8.9510% | 4,809 |
| Tier 1 risk-based capital ratio | 11.4783% | 5,256 |
| Total risk-based capital ratio | 12.6778% | 5,211 |
| Memoranda: | ||
| Average total assets | $49,082,400 | 6,818 |
| Average earning assets | $45,909,400 | 6,772 |
| Average equity | $4,149,800 | 7,449 |
| Average total loans | $39,609,400 | 6,178 |