Home > State Bank of Lake Park > Performance and Condition Ratios
State Bank of Lake Park, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3454% | 3,361 |
| Cost of funding earning assets | 1.0762% | 3,125 |
| Net interest margin | 3.2692% | 2,708 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.4672% | 2,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7602% | 3,013 |
| Return on assets (ROA) | 0.7192% | 3,113 |
| Pretax return on assets | 0.7192% | 3,395 |
| Return on Equity (ROE) | 10.9700% | 2,236 |
| Retained earnings to average equity (ytd only) | 4.3732% | 2,839 |
| Net charge-offs to loans | -0.1536% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.4457% | 1,213 |
| Assets per employee ($millions) | 4.8804% | 3,721 |
| Cash dividends to net income (ytd only)* | 60.1266% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 1,478 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 1,497 |
| Noncurrent loans to loans | 0.6884% | 1,146 |
| Net loans and leases to total assets | 52.8400% | 3,424 |
| Net loans and leases to deposits | 57.3533% | 3,655 |
| Net loans and leases to core deposits | 62.4442% | 3,657 |
| Total domestic deposits to total assets | 92.1300% | 287 |
| Equity capital to assets | 7.5585% | 3,680 |
| Core capital (leverage) ratio | 10.4650% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $43,937,200 | 4,364 |
| Average earning assets | $41,814,600 | 4,327 |
| Average equity | $2,881,200 | 4,437 |
| Average total loans | $23,444,400 | 4,245 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 3,314 |
| Cost of funding earning assets | 0.9482% | 3,160 |
| Net interest margin | 3.3410% | 2,592 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 2.4305% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8678% | 2,804 |
| Return on assets (ROA) | 0.8132% | 2,971 |
| Pretax return on assets | 0.8132% | 3,302 |
| Return on Equity (ROE) | 12.8900% | 1,920 |
| Retained earnings to average equity (ytd only) | 3.7524% | 3,325 |
| Net charge-offs to loans | -0.1878% | 4,563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.6891% | 1,388 |
| Assets per employee ($millions) | 5.3520% | 3,300 |
| Cash dividends to net income (ytd only)* | 70.8955% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 1,679 |
| Loan loss allowance to noncurrent loans | 198.7578% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 1,528 |
| Noncurrent loans to loans | 0.6759% | 1,225 |
| Net loans and leases to total assets | 54.8800% | 3,299 |
| Net loans and leases to deposits | 58.4843% | 3,584 |
| Net loans and leases to core deposits | 61.9961% | 3,615 |
| Total domestic deposits to total assets | 93.8400% | 198 |
| Equity capital to assets | 5.8997% | 4,026 |
| Core capital (leverage) ratio | 10.1201% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $43,940,500 | 4,380 |
| Average earning assets | $41,902,500 | 4,348 |
| Average equity | $2,771,500 | 4,461 |
| Average total loans | $23,422,500 | 4,264 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 3,346 |
| Cost of funding earning assets | 0.7924% | 3,225 |
| Net interest margin | 3.3832% | 2,564 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.3739% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9568% | 2,556 |
| Return on assets (ROA) | 0.8846% | 2,799 |
| Pretax return on assets | 0.8846% | 3,207 |
| Return on Equity (ROE) | 13.7400% | 1,734 |
| Retained earnings to average equity (ytd only) | 0.4206% | 4,000 |
| Net charge-offs to loans | -0.2748% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.2737% | 1,637 |
| Assets per employee ($millions) | 4.8512% | 3,714 |
| Cash dividends to net income (ytd only)* | 96.9388% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 1,721 |
| Loan loss allowance to noncurrent loans | 192.1687% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 1,400 |
| Noncurrent loans to loans | 0.7016% | 1,062 |
| Net loans and leases to total assets | 53.4600% | 3,307 |
| Net loans and leases to deposits | 57.3155% | 3,574 |
| Net loans and leases to core deposits | 60.6991% | 3,594 |
| Total domestic deposits to total assets | 93.2700% | 214 |
| Equity capital to assets | 6.5596% | 3,975 |
| Core capital (leverage) ratio | 9.9846% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $44,315,333 | 4,400 |
| Average earning assets | $42,150,000 | 4,370 |
| Average equity | $2,853,333 | 4,486 |
| Average total loans | $23,290,333 | 4,282 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 3,378 |
| Cost of funding earning assets | 0.6212% | 3,318 |
| Net interest margin | 3.4167% | 2,587 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.4282% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9498% | 2,692 |
| Return on assets (ROA) | 0.8064% | 3,132 |
| Pretax return on assets | 0.8064% | 3,450 |
| Return on Equity (ROE) | 12.6400% | 2,066 |
| Retained earnings to average equity (ytd only) | -14.0449% | 4,538 |
| Net charge-offs to loans | -0.5540% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.8833% | 1,542 |
| Assets per employee ($millions) | 4.8491% | 3,765 |
| Cash dividends to net income (ytd only)* | 211.1111% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 1,949 |
| Loan loss allowance to noncurrent loans | 185.4651% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 1,310 |
| Noncurrent loans to loans | 0.7119% | 1,071 |
| Net loans and leases to total assets | 54.6300% | 3,154 |
| Net loans and leases to deposits | 60.3799% | 3,309 |
| Net loans and leases to core deposits | 61.5744% | 3,469 |
| Total domestic deposits to total assets | 90.4700% | 987 |
| Equity capital to assets | 6.6518% | 3,982 |
| Core capital (leverage) ratio | 9.5599% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $44,642,500 | 4,466 |
| Average earning assets | $42,497,500 | 4,432 |
| Average equity | $2,848,000 | 4,551 |
| Average total loans | $23,106,000 | 4,346 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 1,880 |
| Cost of funding earning assets | 0.3660% | 2,357 |
| Net interest margin | 3.5774% | 1,710 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 2.5829% | 1,873 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8325% | 3,216 |
| Return on assets (ROA) | 0.8325% | 3,138 |
| Pretax return on assets | 0.8325% | 3,541 |
| Return on Equity (ROE) | 12.4100% | 2,003 |
| Retained earnings to average equity (ytd only) | 6.2199% | 2,564 |
| Net charge-offs to loans | 0.3595% | 209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 4.8228% | 2,400 |
| Efficiency ratio | 75.6238% | 1,056 |
| Assets per employee ($millions) | 4.5643% | 3,990 |
| Cash dividends to net income (ytd only)* | 49.8688% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 1,885 |
| Loan loss allowance to noncurrent loans | 148.7047% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 1,216 |
| Noncurrent loans to loans | 0.8752% | 850 |
| Net loans and leases to total assets | 47.6900% | 3,691 |
| Net loans and leases to deposits | 50.8445% | 3,860 |
| Net loans and leases to core deposits | 53.7195% | 3,820 |
| Total domestic deposits to total assets | 93.7900% | 267 |
| Equity capital to assets | 6.1192% | 4,044 |
| Core capital (leverage) ratio | 9.4864% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $45,763,200 | 4,480 |
| Average earning assets | $42,628,400 | 4,453 |
| Average equity | $3,070,800 | 4,603 |
| Average total loans | $21,976,800 | 4,381 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 1,524 |
| Cost of funding earning assets | 0.3317% | 1,843 |
| Net interest margin | 3.5515% | 1,517 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.5505% | 1,862 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8676% | 3,011 |
| Return on assets (ROA) | 0.8676% | 2,983 |
| Pretax return on assets | 0.8676% | 3,429 |
| Return on Equity (ROE) | 12.6500% | 1,822 |
| Retained earnings to average equity (ytd only) | 4.5855% | 3,250 |
| Net charge-offs to loans | 0.4918% | 132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 3.6790% | 2,201 |
| Efficiency ratio | 74.6167% | 1,219 |
| Assets per employee ($millions) | 4.6389% | 3,948 |
| Cash dividends to net income (ytd only)* | 63.7584% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,293 |
| Loan loss allowance to noncurrent loans | 156.5934% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 1,341 |
| Noncurrent loans to loans | 0.7945% | 1,013 |
| Net loans and leases to total assets | 48.7700% | 3,549 |
| Net loans and leases to deposits | 52.5323% | 3,697 |
| Net loans and leases to core deposits | 54.1533% | 3,735 |
| Total domestic deposits to total assets | 92.8300% | 624 |
| Equity capital to assets | 4.9451% | 4,306 |
| Core capital (leverage) ratio | 9.2969% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $45,793,250 | 4,514 |
| Average earning assets | $42,610,000 | 4,489 |
| Average equity | $3,140,250 | 4,645 |
| Average total loans | $21,958,000 | 4,408 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7910% | 1,333 |
| Cost of funding earning assets | 0.3317% | 1,428 |
| Net interest margin | 3.4593% | 1,419 |
| Noninterest income to average assets | 0.0921% | 4,520 |
| Noninterest expense to average assets | 2.5485% | 1,785 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7457% | 3,153 |
| Return on assets (ROA) | 0.7457% | 3,109 |
| Pretax return on assets | 0.7457% | 3,463 |
| Return on Equity (ROE) | 9.9347% | 2,360 |
| Retained earnings to average equity (ytd only) | -1.1688% | 4,310 |
| Net charge-offs to loans | 0.7578% | 83 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2.0732% | 2,042 |
| Efficiency ratio | 77.3635% | 1,140 |
| Assets per employee ($millions) | 4.4916% | 4,073 |
| Cash dividends to net income (ytd only)* | 111.7647% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,250 |
| Loan loss allowance to noncurrent loans | 66.8235% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.0019% | 464 |
| Noncurrent loans to loans | 1.9247% | 339 |
| Net loans and leases to total assets | 48.5284% | 3,505 |
| Net loans and leases to deposits | 51.7866% | 3,704 |
| Net loans and leases to core deposits | 53.4188% | 3,730 |
| Total domestic deposits to total assets | 93.7083% | 337 |
| Equity capital to assets | 6.2138% | 4,127 |
| Core capital (leverage) ratio | 9.2676% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,594,667 | 4,565 |
| Average earning assets | $42,204,667 | 4,550 |
| Average equity | $3,422,333 | 4,663 |
| Average total loans | $21,641,667 | 4,468 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 1,141 |
| Cost of funding earning assets | 0.3514% | 1,188 |
| Net interest margin | 3.4194% | 1,260 |
| Noninterest income to average assets | 0.1045% | 4,489 |
| Noninterest expense to average assets | 2.5950% | 1,621 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6444% | 3,250 |
| Return on assets (ROA) | 0.6444% | 3,230 |
| Pretax return on assets | 0.6444% | 3,524 |
| Return on Equity (ROE) | 7.9187% | 2,720 |
| Retained earnings to average equity (ytd only) | -12.4131% | 4,606 |
| Net charge-offs to loans | -0.0187% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1075% | 1,146 |
| Assets per employee ($millions) | 4.4863% | 4,142 |
| Cash dividends to net income (ytd only)* | 256.7568% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 1,045 |
| Loan loss allowance to noncurrent loans | 109.5808% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.7445% | 754 |
| Noncurrent loans to loans | 1.5562% | 519 |
| Net loans and leases to total assets | 47.0254% | 3,485 |
| Net loans and leases to deposits | 50.6373% | 3,678 |
| Net loans and leases to core deposits | 52.2475% | 3,710 |
| Total domestic deposits to total assets | 92.8672% | 311 |
| Equity capital to assets | 7.0570% | 4,186 |
| Core capital (leverage) ratio | 9.0586% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,934,000 | 4,583 |
| Average earning assets | $42,112,500 | 4,574 |
| Average equity | $3,738,000 | 4,672 |
| Average total loans | $21,422,000 | 4,489 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4284% | 680 |
| Cost of funding earning assets | 0.4612% | 1,120 |
| Net interest margin | 3.9672% | 755 |
| Noninterest income to average assets | 0.0752% | 4,668 |
| Noninterest expense to average assets | 2.6193% | 1,823 |
| Loan and lease loss provision to assets | 0.0155% | 2,771 |
| Net operating income to assets | 1.0146% | 2,617 |
| Return on assets (ROA) | 1.0168% | 2,681 |
| Pretax return on assets | 1.0168% | 3,214 |
| Return on Equity (ROE) | 10.9922% | 2,170 |
| Retained earnings to average equity (ytd only) | 5.6634% | 2,497 |
| Net charge-offs to loans | 0.3046% | 281 |
| Credit loss provision to net charge-offs | 10.2941% | 2,308 |
| Earnings coverage of net charge-offs (x) | 6.8529% | 2,376 |
| Efficiency ratio | 71.7747% | 1,532 |
| Assets per employee ($millions) | 5.2228% | 3,541 |
| Cash dividends to net income (ytd only)* | 48.4783% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 1,033 |
| Loan loss allowance to noncurrent loans | 107.9882% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.7297% | 856 |
| Noncurrent loans to loans | 1.5808% | 561 |
| Net loans and leases to total assets | 44.7101% | 3,784 |
| Net loans and leases to deposits | 49.2732% | 3,927 |
| Net loans and leases to core deposits | 51.6211% | 3,918 |
| Total domestic deposits to total assets | 90.7393% | 610 |
| Equity capital to assets | 9.1692% | 3,446 |
| Core capital (leverage) ratio | 9.3322% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,240,400 | 4,610 |
| Average earning assets | $40,759,600 | 4,613 |
| Average equity | $4,184,800 | 4,692 |
| Average total loans | $22,324,400 | 4,530 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 744 |
| Cost of funding earning assets | 0.4879% | 1,115 |
| Net interest margin | 3.9593% | 849 |
| Noninterest income to average assets | 0.0923% | 4,698 |
| Noninterest expense to average assets | 2.6547% | 1,692 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0119% | 2,859 |
| Return on assets (ROA) | 1.0149% | 2,916 |
| Pretax return on assets | 1.0149% | 3,410 |
| Return on Equity (ROE) | 10.9463% | 2,383 |
| Retained earnings to average equity (ytd only) | 4.0447% | 3,564 |
| Net charge-offs to loans | -0.0059% | 3,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4026% | 1,368 |
| Assets per employee ($millions) | 4.5109% | 4,117 |
| Cash dividends to net income (ytd only)* | 63.0499% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8486% | 848 |
| Loan loss allowance to noncurrent loans | 139.5425% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.7027% | 1,061 |
| Noncurrent loans to loans | 1.3248% | 811 |
| Net loans and leases to total assets | 50.2583% | 3,386 |
| Net loans and leases to deposits | 55.5566% | 3,618 |
| Net loans and leases to core deposits | 58.3267% | 3,596 |
| Total domestic deposits to total assets | 90.4631% | 580 |
| Equity capital to assets | 9.4460% | 3,427 |
| Core capital (leverage) ratio | 9.4869% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,799,250 | 4,683 |
| Average earning assets | $40,443,750 | 4,678 |
| Average equity | $4,153,500 | 4,762 |
| Average total loans | $22,560,250 | 4,582 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 771 |
| Cost of funding earning assets | 0.5261% | 1,056 |
| Net interest margin | 3.9380% | 911 |
| Noninterest income to average assets | 0.0850% | 4,745 |
| Noninterest expense to average assets | 2.6893% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9128% | 3,182 |
| Return on assets (ROA) | 0.9173% | 3,246 |
| Pretax return on assets | 0.9173% | 3,620 |
| Return on Equity (ROE) | 9.9571% | 2,754 |
| Retained earnings to average equity (ytd only) | -0.4857% | 4,563 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6584% | 1,191 |
| Assets per employee ($millions) | 4.1033% | 4,389 |
| Cash dividends to net income (ytd only)* | 104.8780% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 726 |
| Loan loss allowance to noncurrent loans | 134.3849% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 1,168 |
| Noncurrent loans to loans | 1.4208% | 820 |
| Net loans and leases to total assets | 48.4890% | 3,679 |
| Net loans and leases to deposits | 53.4326% | 3,894 |
| Net loans and leases to core deposits | 55.3641% | 3,939 |
| Total domestic deposits to total assets | 90.7480% | 464 |
| Equity capital to assets | 9.1501% | 3,656 |
| Core capital (leverage) ratio | 9.0032% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,696,000 | 4,708 |
| Average earning assets | $39,918,333 | 4,715 |
| Average equity | $4,117,667 | 4,796 |
| Average total loans | $22,381,000 | 4,621 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 845 |
| Cost of funding earning assets | 0.5741% | 995 |
| Net interest margin | 3.8755% | 1,024 |
| Noninterest income to average assets | 0.1529% | 4,439 |
| Noninterest expense to average assets | 2.7520% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8004% | 3,424 |
| Return on assets (ROA) | 0.8004% | 3,493 |
| Pretax return on assets | 0.8004% | 3,812 |
| Return on Equity (ROE) | 8.6586% | 3,144 |
| Retained earnings to average equity (ytd only) | -12.2583% | 4,850 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4684% | 1,000 |
| Assets per employee ($millions) | 3.7736% | 4,596 |
| Cash dividends to net income (ytd only)* | 241.5730% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9092% | 730 |
| Loan loss allowance to noncurrent loans | 134.3849% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7000% | 1,340 |
| Noncurrent loans to loans | 1.4207% | 890 |
| Net loans and leases to total assets | 48.3338% | 3,777 |
| Net loans and leases to deposits | 53.0581% | 3,997 |
| Net loans and leases to core deposits | 54.9593% | 4,052 |
| Total domestic deposits to total assets | 91.0960% | 369 |
| Equity capital to assets | 8.7914% | 3,883 |
| Core capital (leverage) ratio | 8.9379% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,476,000 | 4,731 |
| Average earning assets | $39,014,500 | 4,741 |
| Average equity | $4,111,500 | 4,821 |
| Average total loans | $22,415,500 | 4,646 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 498 |
| Cost of funding earning assets | 0.7357% | 1,537 |
| Net interest margin | 4.2566% | 553 |
| Noninterest income to average assets | 0.1505% | 4,541 |
| Noninterest expense to average assets | 2.8597% | 1,789 |
| Loan and lease loss provision to assets | 0.1408% | 2,596 |
| Net operating income to assets | 0.9565% | 2,452 |
| Return on assets (ROA) | 0.9565% | 2,600 |
| Pretax return on assets | 0.9565% | 3,194 |
| Return on Equity (ROE) | 9.6773% | 2,131 |
| Retained earnings to average equity (ytd only) | 4.8878% | 2,322 |
| Net charge-offs to loans | 0.4171% | 406 |
| Credit loss provision to net charge-offs | 59.1837% | 3,094 |
| Earnings coverage of net charge-offs (x) | 4.6122% | 2,960 |
| Efficiency ratio | 72.2699% | 1,650 |
| Assets per employee ($millions) | 4.3669% | 4,052 |
| Cash dividends to net income (ytd only)* | 49.4924% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8963% | 734 |
| Loan loss allowance to noncurrent loans | 104.9140% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.1656% | 760 |
| Noncurrent loans to loans | 1.8074% | 688 |
| Net loans and leases to total assets | 50.5874% | 3,780 |
| Net loans and leases to deposits | 56.1212% | 3,987 |
| Net loans and leases to core deposits | 58.2154% | 4,038 |
| Total domestic deposits to total assets | 90.1395% | 510 |
| Equity capital to assets | 9.7140% | 3,390 |
| Core capital (leverage) ratio | 9.4846% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,193,000 | 4,755 |
| Average earning assets | $36,837,000 | 4,756 |
| Average equity | $4,071,400 | 4,838 |
| Average total loans | $23,493,800 | 4,654 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 523 |
| Cost of funding earning assets | 0.7586% | 1,686 |
| Net interest margin | 4.3185% | 563 |
| Noninterest income to average assets | 0.1413% | 4,599 |
| Noninterest expense to average assets | 2.8293% | 1,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2027% | 1,628 |
| Return on assets (ROA) | 1.2027% | 1,754 |
| Pretax return on assets | 1.2027% | 2,379 |
| Return on Equity (ROE) | 12.1126% | 1,337 |
| Retained earnings to average equity (ytd only) | 5.6592% | 2,257 |
| Net charge-offs to loans | 0.4550% | 335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 4.5185% | 2,813 |
| Efficiency ratio | 70.1711% | 1,859 |
| Assets per employee ($millions) | 4.2522% | 4,091 |
| Cash dividends to net income (ytd only)* | 53.2787% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 993 |
| Loan loss allowance to noncurrent loans | 101.3123% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.1359% | 915 |
| Noncurrent loans to loans | 1.6222% | 867 |
| Net loans and leases to total assets | 54.3248% | 3,775 |
| Net loans and leases to deposits | 60.3795% | 4,035 |
| Net loans and leases to core deposits | 62.6968% | 4,068 |
| Total domestic deposits to total assets | 89.9722% | 434 |
| Equity capital to assets | 9.8772% | 3,357 |
| Core capital (leverage) ratio | 9.6906% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,574,000 | 4,791 |
| Average earning assets | $36,555,250 | 4,785 |
| Average equity | $4,028,750 | 4,865 |
| Average total loans | $23,737,750 | 4,675 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0788% | 712 |
| Cost of funding earning assets | 0.7737% | 1,972 |
| Net interest margin | 4.3051% | 746 |
| Noninterest income to average assets | 0.1703% | 4,440 |
| Noninterest expense to average assets | 2.9355% | 1,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1371% | 1,848 |
| Return on assets (ROA) | 1.1371% | 1,969 |
| Pretax return on assets | 1.1371% | 2,586 |
| Return on Equity (ROE) | 11.4310% | 1,501 |
| Retained earnings to average equity (ytd only) | 1.6114% | 3,906 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0787% | 1,672 |
| Assets per employee ($millions) | 3.4868% | 4,670 |
| Cash dividends to net income (ytd only)* | 85.9031% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0026% | 429 |
| Loan loss allowance to noncurrent loans | 66.7143% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.6730% | 504 |
| Noncurrent loans to loans | 3.0017% | 320 |
| Net loans and leases to total assets | 54.6174% | 3,824 |
| Net loans and leases to deposits | 60.5698% | 4,087 |
| Net loans and leases to core deposits | 62.9091% | 4,135 |
| Total domestic deposits to total assets | 90.1726% | 355 |
| Equity capital to assets | 9.6530% | 3,521 |
| Core capital (leverage) ratio | 9.5396% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,924,667 | 4,824 |
| Average earning assets | $36,190,000 | 4,816 |
| Average equity | $3,971,667 | 4,899 |
| Average total loans | $23,821,667 | 4,693 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 1,065 |
| Cost of funding earning assets | 0.7655% | 2,580 |
| Net interest margin | 4.1824% | 958 |
| Noninterest income to average assets | 0.2053% | 4,320 |
| Noninterest expense to average assets | 2.8024% | 2,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2729% | 1,317 |
| Return on assets (ROA) | 1.2729% | 1,416 |
| Pretax return on assets | 1.2729% | 1,956 |
| Return on Equity (ROE) | 12.5952% | 959 |
| Retained earnings to average equity (ytd only) | -7.2118% | 4,657 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7657% | 2,544 |
| Assets per employee ($millions) | 3.3061% | 4,635 |
| Cash dividends to net income (ytd only)* | 157.2581% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 529 |
| Loan loss allowance to noncurrent loans | 64.4138% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.8274% | 490 |
| Noncurrent loans to loans | 3.0558% | 344 |
| Net loans and leases to total assets | 58.6243% | 3,625 |
| Net loans and leases to deposits | 65.1558% | 3,916 |
| Net loans and leases to core deposits | 67.8175% | 3,998 |
| Total domestic deposits to total assets | 89.9756% | 328 |
| Equity capital to assets | 9.8631% | 3,913 |
| Core capital (leverage) ratio | 9.7707% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,966,000 | 4,871 |
| Average earning assets | $36,056,000 | 4,849 |
| Average equity | $3,938,000 | 4,947 |
| Average total loans | $24,072,500 | 4,720 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1707% | 1,062 |
| Cost of funding earning assets | 0.6253% | 3,533 |
| Net interest margin | 4.5454% | 659 |
| Noninterest income to average assets | 0.2200% | 4,351 |
| Noninterest expense to average assets | 3.1959% | 1,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3197% | 1,616 |
| Return on assets (ROA) | 1.3356% | 1,638 |
| Pretax return on assets | 1.3356% | 2,378 |
| Return on Equity (ROE) | 12.2945% | 1,398 |
| Retained earnings to average equity (ytd only) | -3.3176% | 4,923 |
| Net charge-offs to loans | -0.0041% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7746% | 2,054 |
| Assets per employee ($millions) | 2.5506% | 4,985 |
| Cash dividends to net income (ytd only)* | 126.9841% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9165% | 533 |
| Loan loss allowance to noncurrent loans | 94.9290% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.2886% | 865 |
| Noncurrent loans to loans | 2.0188% | 635 |
| Net loans and leases to total assets | 62.6049% | 3,346 |
| Net loans and leases to deposits | 69.9737% | 3,676 |
| Net loans and leases to core deposits | 74.0631% | 3,714 |
| Total domestic deposits to total assets | 89.4691% | 500 |
| Equity capital to assets | 10.3583% | 3,580 |
| Core capital (leverage) ratio | 10.1469% | 3,360 |
| Tier 1 risk-based capital ratio | 17.5103% | 1,888 |
| Total risk-based capital ratio | 18.7712% | 1,836 |
| Memoranda: | ||
| Average total assets | $37,735,600 | 4,927 |
| Average earning assets | $35,662,800 | 4,902 |
| Average equity | $4,099,400 | 4,982 |
| Average total loans | $24,132,400 | 4,779 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 1,252 |
| Cost of funding earning assets | 0.5885% | 3,748 |
| Net interest margin | 4.5279% | 721 |
| Noninterest income to average assets | 0.1985% | 4,530 |
| Noninterest expense to average assets | 2.9889% | 2,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4927% | 1,205 |
| Return on assets (ROA) | 1.5140% | 1,211 |
| Pretax return on assets | 1.5140% | 1,917 |
| Return on Equity (ROE) | 13.7733% | 1,034 |
| Retained earnings to average equity (ytd only) | 7.9673% | 1,410 |
| Net charge-offs to loans | -0.0055% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6930% | 2,635 |
| Assets per employee ($millions) | 3.1716% | 4,775 |
| Cash dividends to net income (ytd only)* | 42.1538% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 597 |
| Loan loss allowance to noncurrent loans | 91.7647% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.3400% | 891 |
| Noncurrent loans to loans | 2.0254% | 666 |
| Net loans and leases to total assets | 64.9308% | 3,190 |
| Net loans and leases to deposits | 74.5325% | 3,430 |
| Net loans and leases to core deposits | 79.0354% | 3,467 |
| Total domestic deposits to total assets | 87.1174% | 1,459 |
| Equity capital to assets | 11.4270% | 2,711 |
| Core capital (leverage) ratio | 11.2310% | 2,441 |
| Tier 1 risk-based capital ratio | 20.0494% | 1,352 |
| Total risk-based capital ratio | 21.3090% | 1,322 |
| Memoranda: | ||
| Average total assets | $37,604,750 | 5,005 |
| Average earning assets | $35,571,000 | 4,975 |
| Average equity | $4,133,500 | 5,048 |
| Average total loans | $24,060,500 | 4,852 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 1,261 |
| Cost of funding earning assets | 0.5605% | 3,837 |
| Net interest margin | 4.5232% | 730 |
| Noninterest income to average assets | 0.1922% | 4,604 |
| Noninterest expense to average assets | 3.0491% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4098% | 1,410 |
| Return on assets (ROA) | 1.4098% | 1,460 |
| Pretax return on assets | 1.4098% | 2,171 |
| Return on Equity (ROE) | 12.9996% | 1,243 |
| Retained earnings to average equity (ytd only) | 4.1362% | 3,177 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4251% | 4,926 |
| Assets per employee ($millions) | 2.8944% | 4,971 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9262% | 539 |
| Loan loss allowance to noncurrent loans | 91.2109% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.3607% | 895 |
| Noncurrent loans to loans | 2.1118% | 653 |
| Net loans and leases to total assets | 63.1940% | 3,429 |
| Net loans and leases to deposits | 71.2151% | 3,748 |
| Net loans and leases to core deposits | 74.2854% | 3,875 |
| Total domestic deposits to total assets | 88.7368% | 771 |
| Equity capital to assets | 11.1250% | 2,926 |
| Core capital (leverage) ratio | 10.8573% | 2,733 |
| Tier 1 risk-based capital ratio | 18.7895% | 1,604 |
| Total risk-based capital ratio | 20.0482% | 1,565 |
| Memoranda: | ||
| Average total assets | $37,453,330 | 5,046 |
| Average earning assets | $35,328,670 | 5,019 |
| Average equity | $4,061,670 | 5,096 |
| Average total loans | $23,687,330 | 4,894 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9960% | 1,344 |
| Cost of funding earning assets | 0.5386% | 3,875 |
| Net interest margin | 4.4574% | 804 |
| Noninterest income to average assets | 0.1927% | 4,601 |
| Noninterest expense to average assets | 2.8261% | 2,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5308% | 1,050 |
| Return on assets (ROA) | 1.5308% | 1,076 |
| Pretax return on assets | 1.5308% | 1,678 |
| Return on Equity (ROE) | 14.3018% | 901 |
| Retained earnings to average equity (ytd only) | -3.7005% | 4,848 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8649% | 3,103 |
| Assets per employee ($millions) | 3.1404% | 4,882 |
| Cash dividends to net income (ytd only)* | 125.8741% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0336% | 467 |
| Loan loss allowance to noncurrent loans | 90.1544% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.3746% | 923 |
| Noncurrent loans to loans | 2.2557% | 621 |
| Net loans and leases to total assets | 59.6975% | 3,738 |
| Net loans and leases to deposits | 66.9016% | 3,992 |
| Net loans and leases to core deposits | 69.7603% | 4,089 |
| Total domestic deposits to total assets | 89.2318% | 751 |
| Equity capital to assets | 10.6408% | 3,212 |
| Core capital (leverage) ratio | 10.5429% | 3,001 |
| Tier 1 risk-based capital ratio | 18.7781% | 1,590 |
| Total risk-based capital ratio | 20.0412% | 1,552 |
| Memoranda: | ||
| Average total assets | $37,366,500 | 5,099 |
| Average earning assets | $34,908,000 | 5,080 |
| Average equity | $3,999,500 | 5,151 |
| Average total loans | $23,408,500 | 4,960 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2217% | 672 |
| Cost of funding earning assets | 0.4724% | 3,536 |
| Net interest margin | 4.7493% | 443 |
| Noninterest income to average assets | 0.1483% | 4,968 |
| Noninterest expense to average assets | 3.1058% | 1,784 |
| Loan and lease loss provision to assets | 0.3310% | 477 |
| Net operating income to assets | 1.1571% | 2,353 |
| Return on assets (ROA) | 1.1597% | 2,346 |
| Pretax return on assets | 1.1597% | 3,063 |
| Return on Equity (ROE) | 11.5330% | 1,890 |
| Retained earnings to average equity (ytd only) | 5.8455% | 2,270 |
| Net charge-offs to loans | 0.2425% | 799 |
| Credit loss provision to net charge-offs | 215.5172% | 1,345 |
| Earnings coverage of net charge-offs (x) | 9.6897% | 2,790 |
| Efficiency ratio | 67.6081% | 2,614 |
| Assets per employee ($millions) | 3.3680% | 4,688 |
| Cash dividends to net income (ytd only)* | 49.3151% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9578% | 512 |
| Loan loss allowance to noncurrent loans | 88.7833% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.4198% | 843 |
| Noncurrent loans to loans | 2.2052% | 586 |
| Net loans and leases to total assets | 63.1235% | 3,452 |
| Net loans and leases to deposits | 70.8302% | 3,762 |
| Net loans and leases to core deposits | 73.8964% | 3,861 |
| Total domestic deposits to total assets | 89.1195% | 814 |
| Equity capital to assets | 10.7671% | 2,912 |
| Core capital (leverage) ratio | 10.8206% | 2,711 |
| Tier 1 risk-based capital ratio | 18.1423% | 1,716 |
| Total risk-based capital ratio | 19.4008% | 1,665 |
| Memoranda: | ||
| Average total assets | $37,767,800 | 5,131 |
| Average earning assets | $35,352,800 | 5,105 |
| Average equity | $3,797,800 | 5,203 |
| Average total loans | $23,918,800 | 4,972 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1760% | 660 |
| Cost of funding earning assets | 0.4648% | 3,426 |
| Net interest margin | 4.7113% | 462 |
| Noninterest income to average assets | 0.1230% | 5,124 |
| Noninterest expense to average assets | 2.9935% | 2,036 |
| Loan and lease loss provision to assets | 0.4392% | 276 |
| Net operating income to assets | 1.1068% | 2,634 |
| Return on assets (ROA) | 1.1103% | 2,629 |
| Pretax return on assets | 1.1103% | 3,355 |
| Return on Equity (ROE) | 11.2352% | 2,074 |
| Retained earnings to average equity (ytd only) | 4.8355% | 3,327 |
| Net charge-offs to loans | 0.3286% | 508 |
| Credit loss provision to net charge-offs | 211.8644% | 1,324 |
| Earnings coverage of net charge-offs (x) | 7.4580% | 2,807 |
| Efficiency ratio | 65.9443% | 2,879 |
| Assets per employee ($millions) | 3.3777% | 4,707 |
| Cash dividends to net income (ytd only)* | 56.9615% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8784% | 625 |
| Loan loss allowance to noncurrent loans | 83.3631% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5045% | 849 |
| Noncurrent loans to loans | 2.2533% | 618 |
| Net loans and leases to total assets | 65.5147% | 3,241 |
| Net loans and leases to deposits | 73.2024% | 3,663 |
| Net loans and leases to core deposits | 76.3431% | 3,777 |
| Total domestic deposits to total assets | 89.4980% | 676 |
| Equity capital to assets | 10.3970% | 3,237 |
| Core capital (leverage) ratio | 10.3907% | 3,194 |
| Tier 1 risk-based capital ratio | 17.0325% | 2,100 |
| Total risk-based capital ratio | 18.2912% | 2,036 |
| Memoranda: | ||
| Average total assets | $37,947,750 | 5,194 |
| Average earning assets | $35,573,500 | 5,166 |
| Average equity | $3,750,000 | 5,273 |
| Average total loans | $23,935,250 | 5,029 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 704 |
| Cost of funding earning assets | 0.4526% | 3,336 |
| Net interest margin | 4.6150% | 534 |
| Noninterest income to average assets | 0.1675% | 4,989 |
| Noninterest expense to average assets | 3.0462% | 1,919 |
| Loan and lease loss provision to assets | 0.6542% | 151 |
| Net operating income to assets | 0.7903% | 3,886 |
| Return on assets (ROA) | 0.7956% | 3,874 |
| Pretax return on assets | 0.7956% | 4,259 |
| Return on Equity (ROE) | 8.1889% | 3,421 |
| Retained earnings to average equity (ytd only) | -1.5085% | 5,115 |
| Net charge-offs to loans | 0.5160% | 291 |
| Credit loss provision to net charge-offs | 204.9180% | 1,285 |
| Earnings coverage of net charge-offs (x) | 4.5246% | 2,785 |
| Efficiency ratio | 67.8322% | 2,676 |
| Assets per employee ($millions) | 3.1707% | 4,958 |
| Cash dividends to net income (ytd only)* | 118.4211% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8941% | 640 |
| Loan loss allowance to noncurrent loans | 89.2308% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.3667% | 1,020 |
| Noncurrent loans to loans | 2.1227% | 672 |
| Net loans and leases to total assets | 63.1649% | 3,496 |
| Net loans and leases to deposits | 70.7103% | 3,802 |
| Net loans and leases to core deposits | 73.6576% | 3,899 |
| Total domestic deposits to total assets | 89.3293% | 802 |
| Equity capital to assets | 9.7798% | 3,839 |
| Core capital (leverage) ratio | 9.7143% | 3,867 |
| Tier 1 risk-based capital ratio | 17.3776% | 1,973 |
| Total risk-based capital ratio | 18.6394% | 1,927 |
| Memoranda: | ||
| Average total assets | $38,212,000 | 5,250 |
| Average earning assets | $35,796,000 | 5,221 |
| Average equity | $3,712,330 | 5,340 |
| Average total loans | $23,644,330 | 5,099 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 812 |
| Cost of funding earning assets | 0.4606% | 3,125 |
| Net interest margin | 4.4710% | 656 |
| Noninterest income to average assets | 0.1776% | 4,963 |
| Noninterest expense to average assets | 3.1232% | 1,759 |
| Loan and lease loss provision to assets | 1.1803% | 68 |
| Net operating income to assets | 0.0313% | 5,368 |
| Return on assets (ROA) | 0.0313% | 5,365 |
| Pretax return on assets | 0.0313% | 5,373 |
| Return on Equity (ROE) | 0.3236% | 5,361 |
| Retained earnings to average equity (ytd only) | -19.0939% | 5,494 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0482% | 2,190 |
| Assets per employee ($millions) | 3.2317% | 4,966 |
| Cash dividends to net income (ytd only)* | 6,000.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1985% | 388 |
| Loan loss allowance to noncurrent loans | 186.5455% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 2,198 |
| Noncurrent loans to loans | 1.1785% | 1,551 |
| Net loans and leases to total assets | 58.8473% | 3,868 |
| Net loans and leases to deposits | 64.9191% | 4,157 |
| Net loans and leases to core deposits | 67.2769% | 4,247 |
| Total domestic deposits to total assets | 90.6472% | 428 |
| Equity capital to assets | 9.2548% | 4,311 |
| Core capital (leverage) ratio | 9.4809% | 4,089 |
| Tier 1 risk-based capital ratio | 16.2010% | 2,390 |
| Total risk-based capital ratio | 17.4650% | 2,334 |
| Memoranda: | ||
| Average total assets | $38,294,000 | 5,302 |
| Average earning assets | $35,607,000 | 5,282 |
| Average equity | $3,708,000 | 5,394 |
| Average total loans | $23,218,000 | 5,167 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 635 |
| Cost of funding earning assets | 0.4577% | 2,700 |
| Net interest margin | 4.5538% | 551 |
| Noninterest income to average assets | 0.2736% | 4,490 |
| Noninterest expense to average assets | 3.2351% | 1,540 |
| Loan and lease loss provision to assets | 0.3373% | 490 |
| Net operating income to assets | 0.9562% | 2,418 |
| Return on assets (ROA) | 0.9588% | 2,445 |
| Pretax return on assets | 0.9588% | 3,705 |
| Return on Equity (ROE) | 9.6887% | 2,017 |
| Retained earnings to average equity (ytd only) | 4.9114% | 2,183 |
| Net charge-offs to loans | 0.6079% | 379 |
| Credit loss provision to net charge-offs | 92.0290% | 2,749 |
| Earnings coverage of net charge-offs (x) | 3.5290% | 3,594 |
| Efficiency ratio | 71.4370% | 2,312 |
| Assets per employee ($millions) | 3.1507% | 5,077 |
| Cash dividends to net income (ytd only)* | 49.3075% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 889 |
| Loan loss allowance to noncurrent loans | 157.4803% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 2,296 |
| Noncurrent loans to loans | 1.0995% | 1,611 |
| Net loans and leases to total assets | 60.0455% | 3,826 |
| Net loans and leases to deposits | 66.8867% | 4,116 |
| Net loans and leases to core deposits | 69.1270% | 4,227 |
| Total domestic deposits to total assets | 89.7720% | 648 |
| Equity capital to assets | 10.1222% | 3,571 |
| Core capital (leverage) ratio | 10.0999% | 3,322 |
| Tier 1 risk-based capital ratio | 17.1487% | 2,041 |
| Total risk-based capital ratio | 18.4069% | 1,994 |
| Memoranda: | ||
| Average total assets | $37,649,400 | 5,368 |
| Average earning assets | $35,179,200 | 5,345 |
| Average equity | $3,726,000 | 5,454 |
| Average total loans | $22,700,400 | 5,233 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0015% | 612 |
| Cost of funding earning assets | 0.4595% | 2,620 |
| Net interest margin | 4.5420% | 546 |
| Noninterest income to average assets | 0.2623% | 4,632 |
| Noninterest expense to average assets | 3.0984% | 1,806 |
| Loan and lease loss provision to assets | 0.3900% | 355 |
| Net operating income to assets | 1.0139% | 2,501 |
| Return on assets (ROA) | 1.0139% | 2,538 |
| Pretax return on assets | 1.0139% | 3,627 |
| Return on Equity (ROE) | 10.3039% | 1,985 |
| Retained earnings to average equity (ytd only) | 3.8911% | 3,604 |
| Net charge-offs to loans | -0.0177% | 4,809 |
| Credit loss provision to net charge-offs | -3,666.6667% | 5,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8189% | 2,738 |
| Assets per employee ($millions) | 3.0928% | 5,183 |
| Cash dividends to net income (ytd only)* | 62.2391% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2680% | 364 |
| Loan loss allowance to noncurrent loans | 140.8602% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.0023% | 1,693 |
| Noncurrent loans to loans | 1.6101% | 1,137 |
| Net loans and leases to total assets | 60.8412% | 3,782 |
| Net loans and leases to deposits | 68.2959% | 4,092 |
| Net loans and leases to core deposits | 70.6464% | 4,206 |
| Total domestic deposits to total assets | 89.0847% | 839 |
| Equity capital to assets | 10.2713% | 3,617 |
| Core capital (leverage) ratio | 9.9257% | 3,657 |
| Tier 1 risk-based capital ratio | 16.9778% | 2,162 |
| Total risk-based capital ratio | 18.2435% | 2,111 |
| Memoranda: | ||
| Average total assets | $37,609,750 | 5,428 |
| Average earning assets | $35,108,500 | 5,408 |
| Average equity | $3,700,750 | 5,517 |
| Average total loans | $22,600,000 | 5,293 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9926% | 569 |
| Cost of funding earning assets | 0.4632% | 2,470 |
| Net interest margin | 4.5294% | 533 |
| Noninterest income to average assets | 0.2594% | 4,678 |
| Noninterest expense to average assets | 3.0390% | 2,015 |
| Loan and lease loss provision to assets | 0.5665% | 196 |
| Net operating income to assets | 0.8471% | 3,169 |
| Return on assets (ROA) | 0.8471% | 3,215 |
| Pretax return on assets | 0.8471% | 4,104 |
| Return on Equity (ROE) | 8.7344% | 2,643 |
| Retained earnings to average equity (ytd only) | -1.0372% | 5,239 |
| Net charge-offs to loans | -0.0267% | 4,905 |
| Credit loss provision to net charge-offs | -3,566.6667% | 5,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2521% | 2,963 |
| Assets per employee ($millions) | 3.1139% | 5,177 |
| Cash dividends to net income (ytd only)* | 111.8750% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2977% | 376 |
| Loan loss allowance to noncurrent loans | 138.1963% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 1.0089% | 1,737 |
| Noncurrent loans to loans | 1.6626% | 1,105 |
| Net loans and leases to total assets | 59.2876% | 3,902 |
| Net loans and leases to deposits | 65.8816% | 4,227 |
| Net loans and leases to core deposits | 68.0907% | 4,344 |
| Total domestic deposits to total assets | 89.9912% | 542 |
| Equity capital to assets | 9.8991% | 4,034 |
| Core capital (leverage) ratio | 9.5760% | 4,048 |
| Tier 1 risk-based capital ratio | 16.5443% | 2,303 |
| Total risk-based capital ratio | 17.8072% | 2,250 |
| Memoranda: | ||
| Average total assets | $37,775,330 | 5,468 |
| Average earning assets | $34,971,670 | 5,456 |
| Average equity | $3,663,670 | 5,564 |
| Average total loans | $22,432,000 | 5,339 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0083% | 519 |
| Cost of funding earning assets | 0.4584% | 2,446 |
| Net interest margin | 4.5499% | 479 |
| Noninterest income to average assets | 0.2844% | 4,514 |
| Noninterest expense to average assets | 3.0437% | 2,036 |
| Loan and lease loss provision to assets | 0.1159% | 1,655 |
| Net operating income to assets | 1.3060% | 1,221 |
| Return on assets (ROA) | 1.3060% | 1,255 |
| Pretax return on assets | 1.3060% | 2,214 |
| Return on Equity (ROE) | 13.6039% | 880 |
| Retained earnings to average equity (ytd only) | -6.0340% | 5,446 |
| Net charge-offs to loans | -0.0179% | 4,683 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1604% | 3,166 |
| Assets per employee ($millions) | 3.1793% | 5,189 |
| Cash dividends to net income (ytd only)* | 144.3548% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 796 |
| Loan loss allowance to noncurrent loans | 90.3846% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.2267% | 1,422 |
| Noncurrent loans to loans | 2.0965% | 835 |
| Net loans and leases to total assets | 57.4035% | 4,023 |
| Net loans and leases to deposits | 63.5225% | 4,332 |
| Net loans and leases to core deposits | 65.5983% | 4,453 |
| Total domestic deposits to total assets | 90.3672% | 526 |
| Equity capital to assets | 9.5305% | 4,255 |
| Core capital (leverage) ratio | 9.6063% | 3,987 |
| Tier 1 risk-based capital ratio | 16.7735% | 2,256 |
| Total risk-based capital ratio | 18.0329% | 2,222 |
| Memoranda: | ||
| Average total assets | $37,979,500 | 5,524 |
| Average earning assets | $34,902,000 | 5,520 |
| Average equity | $3,646,000 | 5,628 |
| Average total loans | $22,310,500 | 5,398 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 707 |
| Cost of funding earning assets | 0.4807% | 2,250 |
| Net interest margin | 4.4397% | 710 |
| Noninterest income to average assets | 0.2867% | 4,692 |
| Noninterest expense to average assets | 3.0871% | 2,078 |
| Loan and lease loss provision to assets | 0.1858% | 1,269 |
| Net operating income to assets | 1.1573% | 1,661 |
| Return on assets (ROA) | 1.1573% | 1,756 |
| Pretax return on assets | 1.1573% | 2,863 |
| Return on Equity (ROE) | 12.0869% | 1,217 |
| Retained earnings to average equity (ytd only) | 7.7068% | 959 |
| Net charge-offs to loans | 0.1547% | 1,719 |
| Credit loss provision to net charge-offs | 212.1212% | 1,343 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 2,211 |
| Efficiency ratio | 69.6824% | 2,961 |
| Assets per employee ($millions) | 3.1507% | 5,214 |
| Cash dividends to net income (ytd only)* | 36.2385% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8432% | 884 |
| Loan loss allowance to noncurrent loans | 122.6866% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 2,137 |
| Noncurrent loans to loans | 1.5024% | 1,334 |
| Net loans and leases to total assets | 57.8899% | 4,076 |
| Net loans and leases to deposits | 64.1659% | 4,403 |
| Net loans and leases to core deposits | 65.0876% | 4,573 |
| Total domestic deposits to total assets | 90.2190% | 554 |
| Equity capital to assets | 9.6699% | 4,097 |
| Core capital (leverage) ratio | 9.8099% | 3,731 |
| Tier 1 risk-based capital ratio | 17.0372% | 2,148 |
| Total risk-based capital ratio | 18.2935% | 2,093 |
| Memoranda: | ||
| Average total assets | $37,672,400 | 5,578 |
| Average earning assets | $35,160,200 | 5,561 |
| Average equity | $3,607,200 | 5,688 |
| Average total loans | $21,335,400 | 5,472 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9014% | 721 |
| Cost of funding earning assets | 0.4958% | 2,131 |
| Net interest margin | 4.4056% | 767 |
| Noninterest income to average assets | 0.2905% | 4,690 |
| Noninterest expense to average assets | 2.9614% | 2,426 |
| Loan and lease loss provision to assets | 0.2480% | 764 |
| Net operating income to assets | 1.2044% | 1,633 |
| Return on assets (ROA) | 1.2044% | 1,726 |
| Pretax return on assets | 1.2044% | 2,818 |
| Return on Equity (ROE) | 12.6097% | 1,148 |
| Retained earnings to average equity (ytd only) | 6.7499% | 1,755 |
| Net charge-offs to loans | 0.2086% | 1,119 |
| Credit loss provision to net charge-offs | 212.1212% | 1,383 |
| Earnings coverage of net charge-offs (x) | 12.4239% | 2,392 |
| Efficiency ratio | 67.0947% | 3,403 |
| Assets per employee ($millions) | 3.0741% | 5,313 |
| Cash dividends to net income (ytd only)* | 46.4705% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9334% | 806 |
| Loan loss allowance to noncurrent loans | 116.7614% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 2,170 |
| Noncurrent loans to loans | 1.6558% | 1,287 |
| Net loans and leases to total assets | 56.5128% | 4,252 |
| Net loans and leases to deposits | 62.9933% | 4,558 |
| Net loans and leases to core deposits | 63.9263% | 4,730 |
| Total domestic deposits to total assets | 89.7124% | 587 |
| Equity capital to assets | 10.1629% | 3,961 |
| Core capital (leverage) ratio | 9.4205% | 4,298 |
| Tier 1 risk-based capital ratio | 16.0361% | 2,607 |
| Total risk-based capital ratio | 17.2957% | 2,549 |
| Memoranda: | ||
| Average total assets | $37,638,500 | 5,640 |
| Average earning assets | $35,227,000 | 5,617 |
| Average equity | $3,595,000 | 5,748 |
| Average total loans | $21,094,750 | 5,531 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8148% | 862 |
| Cost of funding earning assets | 0.4917% | 2,174 |
| Net interest margin | 4.3231% | 880 |
| Noninterest income to average assets | 0.2850% | 4,745 |
| Noninterest expense to average assets | 2.9983% | 2,353 |
| Loan and lease loss provision to assets | 0.0792% | 2,558 |
| Net operating income to assets | 1.2458% | 1,442 |
| Return on assets (ROA) | 1.2458% | 1,552 |
| Pretax return on assets | 1.2458% | 2,617 |
| Return on Equity (ROE) | 13.3195% | 954 |
| Retained earnings to average equity (ytd only) | 4.4022% | 3,112 |
| Net charge-offs to loans | 0.2852% | 836 |
| Credit loss provision to net charge-offs | 50.0000% | 2,666 |
| Earnings coverage of net charge-offs (x) | 8.3667% | 2,518 |
| Efficiency ratio | 69.3529% | 3,084 |
| Assets per employee ($millions) | 3.1153% | 5,310 |
| Cash dividends to net income (ytd only)* | 66.9492% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 1,309 |
| Loan loss allowance to noncurrent loans | 165.8986% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.5805% | 3,286 |
| Noncurrent loans to loans | 1.0140% | 2,260 |
| Net loans and leases to total assets | 56.2823% | 4,277 |
| Net loans and leases to deposits | 62.4852% | 4,617 |
| Net loans and leases to core deposits | 63.3869% | 4,789 |
| Total domestic deposits to total assets | 90.0730% | 462 |
| Equity capital to assets | 9.8119% | 4,437 |
| Core capital (leverage) ratio | 9.0439% | 4,777 |
| Tier 1 risk-based capital ratio | 15.2789% | 2,947 |
| Total risk-based capital ratio | 16.5330% | 2,879 |
| Memoranda: | ||
| Average total assets | $37,888,330 | 5,706 |
| Average earning assets | $35,391,000 | 5,682 |
| Average equity | $3,543,670 | 5,820 |
| Average total loans | $21,040,330 | 5,597 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7287% | 993 |
| Cost of funding earning assets | 0.4978% | 2,131 |
| Net interest margin | 4.2309% | 1,034 |
| Noninterest income to average assets | 0.2727% | 4,780 |
| Noninterest expense to average assets | 3.0413% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1536% | 1,700 |
| Return on assets (ROA) | 1.1536% | 1,817 |
| Pretax return on assets | 1.1536% | 2,877 |
| Return on Equity (ROE) | 12.6382% | 1,118 |
| Retained earnings to average equity (ytd only) | -5.5149% | 5,626 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5000% | 2,723 |
| Assets per employee ($millions) | 3.2392% | 5,212 |
| Cash dividends to net income (ytd only)* | 143.6364% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7622% | 1,223 |
| Loan loss allowance to noncurrent loans | 119.8718% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.8027% | 2,693 |
| Noncurrent loans to loans | 1.4701% | 1,602 |
| Net loans and leases to total assets | 53.6378% | 4,481 |
| Net loans and leases to deposits | 58.9938% | 4,779 |
| Net loans and leases to core deposits | 59.8044% | 4,953 |
| Total domestic deposits to total assets | 90.9210% | 293 |
| Equity capital to assets | 8.9581% | 5,209 |
| Core capital (leverage) ratio | 8.6540% | 5,228 |
| Tier 1 risk-based capital ratio | 14.6959% | 3,290 |
| Total risk-based capital ratio | 15.9522% | 3,229 |
| Memoranda: | ||
| Average total assets | $38,141,000 | 5,755 |
| Average earning assets | $35,358,500 | 5,735 |
| Average equity | $3,481,500 | 5,883 |
| Average total loans | $20,860,500 | 5,651 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8061% | 919 |
| Cost of funding earning assets | 0.5373% | 1,868 |
| Net interest margin | 4.2688% | 1,026 |
| Noninterest income to average assets | 0.2271% | 5,237 |
| Noninterest expense to average assets | 2.8900% | 2,889 |
| Loan and lease loss provision to assets | 0.3217% | 508 |
| Net operating income to assets | 0.9678% | 2,534 |
| Return on assets (ROA) | 0.9759% | 2,564 |
| Pretax return on assets | 0.9759% | 3,555 |
| Return on Equity (ROE) | 10.7838% | 1,693 |
| Retained earnings to average equity (ytd only) | 6.0640% | 1,761 |
| Net charge-offs to loans | 0.9344% | 222 |
| Credit loss provision to net charge-offs | 62.9630% | 3,225 |
| Earnings coverage of net charge-offs (x) | 2.5238% | 3,882 |
| Efficiency ratio | 69.1462% | 3,373 |
| Assets per employee ($millions) | 3.4011% | 4,977 |
| Cash dividends to net income (ytd only)* | 43.7673% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 1,090 |
| Loan loss allowance to noncurrent loans | 125.0836% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.4514% | 1,418 |
| Noncurrent loans to loans | 1.4587% | 1,602 |
| Net loans and leases to total assets | 53.7902% | 4,529 |
| Net loans and leases to deposits | 59.3856% | 4,819 |
| Net loans and leases to core deposits | 60.2299% | 4,969 |
| Total domestic deposits to total assets | 90.5779% | 416 |
| Equity capital to assets | 9.3045% | 4,786 |
| Core capital (leverage) ratio | 9.1017% | 4,753 |
| Tier 1 risk-based capital ratio | 16.2975% | 2,562 |
| Total risk-based capital ratio | 17.5549% | 2,520 |
| Memoranda: | ||
| Average total assets | $36,990,200 | 5,827 |
| Average earning assets | $34,248,400 | 5,805 |
| Average equity | $3,347,600 | 5,946 |
| Average total loans | $20,226,000 | 5,712 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8288% | 887 |
| Cost of funding earning assets | 0.5518% | 1,787 |
| Net interest margin | 4.2770% | 1,007 |
| Noninterest income to average assets | 0.1988% | 5,453 |
| Noninterest expense to average assets | 2.7761% | 3,285 |
| Loan and lease loss provision to assets | 0.3615% | 363 |
| Net operating income to assets | 1.0121% | 2,414 |
| Return on assets (ROA) | 1.0230% | 2,450 |
| Pretax return on assets | 1.0230% | 3,528 |
| Return on Equity (ROE) | 11.3848% | 1,578 |
| Retained earnings to average equity (ytd only) | 5.0286% | 2,897 |
| Net charge-offs to loans | 1.2501% | 131 |
| Credit loss provision to net charge-offs | 52.9101% | 3,005 |
| Earnings coverage of net charge-offs (x) | 2.0106% | 3,746 |
| Efficiency ratio | 66.8990% | 3,734 |
| Assets per employee ($millions) | 3.1947% | 5,295 |
| Cash dividends to net income (ytd only)* | 55.8306% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7270% | 1,411 |
| Loan loss allowance to noncurrent loans | 139.7638% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 1.4171% | 1,616 |
| Noncurrent loans to loans | 1.2356% | 2,068 |
| Net loans and leases to total assets | 57.4839% | 4,202 |
| Net loans and leases to deposits | 64.7074% | 4,498 |
| Net loans and leases to core deposits | 65.7071% | 4,712 |
| Total domestic deposits to total assets | 88.8367% | 1,107 |
| Equity capital to assets | 9.7519% | 4,447 |
| Core capital (leverage) ratio | 8.9409% | 5,066 |
| Tier 1 risk-based capital ratio | 16.3234% | 2,662 |
| Total risk-based capital ratio | 17.5790% | 2,604 |
| Memoranda: | ||
| Average total assets | $36,884,750 | 5,908 |
| Average earning assets | $34,072,750 | 5,890 |
| Average equity | $3,314,250 | 6,032 |
| Average total loans | $20,158,000 | 5,785 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7603% | 968 |
| Cost of funding earning assets | 0.5522% | 1,794 |
| Net interest margin | 4.2081% | 1,095 |
| Noninterest income to average assets | 0.2402% | 5,237 |
| Noninterest expense to average assets | 2.6584% | 3,726 |
| Loan and lease loss provision to assets | 0.5338% | 180 |
| Net operating income to assets | 0.9128% | 2,807 |
| Return on assets (ROA) | 0.8861% | 3,073 |
| Pretax return on assets | 0.8861% | 4,004 |
| Return on Equity (ROE) | 10.1322% | 2,010 |
| Retained earnings to average equity (ytd only) | 0.4883% | 5,356 |
| Net charge-offs to loans | 1.8876% | 79 |
| Credit loss provision to net charge-offs | 52.9101% | 2,674 |
| Earnings coverage of net charge-offs (x) | 1.4339% | 3,513 |
| Efficiency ratio | 64.7594% | 4,233 |
| Assets per employee ($millions) | 3.7296% | 4,365 |
| Cash dividends to net income (ytd only)* | 95.1807% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 1,571 |
| Loan loss allowance to noncurrent loans | 136.5385% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.5069% | 1,630 |
| Noncurrent loans to loans | 1.2536% | 2,150 |
| Net loans and leases to total assets | 54.6600% | 4,484 |
| Net loans and leases to deposits | 59.9412% | 4,859 |
| Net loans and leases to core deposits | 61.2671% | 4,991 |
| Total domestic deposits to total assets | 91.1894% | 255 |
| Equity capital to assets | 8.6873% | 5,539 |
| Core capital (leverage) ratio | 8.5738% | 5,468 |
| Tier 1 risk-based capital ratio | 15.6733% | 3,005 |
| Total risk-based capital ratio | 16.9291% | 2,962 |
| Memoranda: | ||
| Average total assets | $37,465,670 | 5,961 |
| Average earning assets | $34,409,670 | 5,947 |
| Average equity | $3,276,670 | 6,097 |
| Average total loans | $20,025,330 | 5,846 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 964 |
| Cost of funding earning assets | 0.5577% | 1,770 |
| Net interest margin | 4.1831% | 1,104 |
| Noninterest income to average assets | 0.2130% | 5,427 |
| Noninterest expense to average assets | 2.6524% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3955% | 1,042 |
| Return on assets (ROA) | 1.3955% | 1,093 |
| Pretax return on assets | 1.3955% | 1,902 |
| Return on Equity (ROE) | 15.9029% | 582 |
| Retained earnings to average equity (ytd only) | -3.2777% | 5,812 |
| Net charge-offs to loans | 0.0610% | 2,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 43.6667% | 921 |
| Efficiency ratio | 65.5263% | 4,233 |
| Assets per employee ($millions) | 3.8017% | 4,334 |
| Cash dividends to net income (ytd only)* | 120.6107% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2144% | 792 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 1.9491% | 1,229 |
| Noncurrent loans to loans | 1.2654% | 2,261 |
| Net loans and leases to total assets | 51.2245% | 4,728 |
| Net loans and leases to deposits | 56.2394% | 5,034 |
| Net loans and leases to core deposits | 57.4607% | 5,159 |
| Total domestic deposits to total assets | 91.0829% | 340 |
| Equity capital to assets | 8.7882% | 5,512 |
| Core capital (leverage) ratio | 8.2128% | 5,799 |
| Tier 1 risk-based capital ratio | 15.1391% | 3,358 |
| Total risk-based capital ratio | 16.4023% | 3,273 |
| Memoranda: | ||
| Average total assets | $37,550,500 | 6,014 |
| Average earning assets | $34,424,500 | 6,005 |
| Average equity | $3,295,000 | 6,150 |
| Average total loans | $19,667,500 | 5,910 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8150% | 1,087 |
| Cost of funding earning assets | 0.5883% | 1,875 |
| Net interest margin | 4.2267% | 1,225 |
| Noninterest income to average assets | 0.2887% | 5,052 |
| Noninterest expense to average assets | 2.8142% | 3,423 |
| Loan and lease loss provision to assets | 0.6745% | 189 |
| Net operating income to assets | 0.6772% | 4,001 |
| Return on assets (ROA) | 0.7393% | 3,787 |
| Pretax return on assets | 0.7393% | 4,480 |
| Return on Equity (ROE) | 8.8926% | 2,639 |
| Retained earnings to average equity (ytd only) | 3.7648% | 3,539 |
| Net charge-offs to loans | 0.3809% | 1,124 |
| Credit loss provision to net charge-offs | 333.3333% | 786 |
| Earnings coverage of net charge-offs (x) | 6.6800% | 3,157 |
| Efficiency ratio | 67.5518% | 3,972 |
| Assets per employee ($millions) | 3.3713% | 5,125 |
| Cash dividends to net income (ytd only)* | 57.6642% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2863% | 736 |
| Loan loss allowance to noncurrent loans | 180.4878% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 1.9820% | 1,289 |
| Noncurrent loans to loans | 1.2667% | 2,335 |
| Net loans and leases to total assets | 51.1703% | 4,859 |
| Net loans and leases to deposits | 56.1653% | 5,176 |
| Net loans and leases to core deposits | 57.4021% | 5,287 |
| Total domestic deposits to total assets | 91.1067% | 336 |
| Equity capital to assets | 8.7612% | 5,522 |
| Core capital (leverage) ratio | 8.6588% | 5,382 |
| Tier 1 risk-based capital ratio | 14.8935% | 3,546 |
| Total risk-based capital ratio | 16.1534% | 3,474 |
| Memoranda: | ||
| Average total assets | $37,062,000 | 6,102 |
| Average earning assets | $33,998,000 | 6,088 |
| Average equity | $3,081,200 | 6,257 |
| Average total loans | $19,688,400 | 5,974 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7846% | 1,134 |
| Cost of funding earning assets | 0.5893% | 1,933 |
| Net interest margin | 4.1953% | 1,304 |
| Noninterest income to average assets | 0.2807% | 5,193 |
| Noninterest expense to average assets | 2.6769% | 3,909 |
| Loan and lease loss provision to assets | 0.8995% | 127 |
| Net operating income to assets | 0.5721% | 4,583 |
| Return on assets (ROA) | 0.6476% | 4,320 |
| Pretax return on assets | 0.6476% | 4,881 |
| Return on Equity (ROE) | 7.8964% | 3,262 |
| Retained earnings to average equity (ytd only) | 0.9650% | 5,497 |
| Net charge-offs to loans | 0.1012% | 2,787 |
| Credit loss provision to net charge-offs | 1,666.6667% | 214 |
| Earnings coverage of net charge-offs (x) | 27.2660% | 1,455 |
| Efficiency ratio | 64.5273% | 4,462 |
| Assets per employee ($millions) | 3.2607% | 5,309 |
| Cash dividends to net income (ytd only)* | 87.7787% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5360% | 619 |
| Loan loss allowance to noncurrent loans | 69.6133% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 2.7016% | 930 |
| Noncurrent loans to loans | 3.6430% | 640 |
| Net loans and leases to total assets | 54.0036% | 4,575 |
| Net loans and leases to deposits | 59.7710% | 4,969 |
| Net loans and leases to core deposits | 61.1446% | 5,106 |
| Total domestic deposits to total assets | 90.3507% | 596 |
| Equity capital to assets | 8.6763% | 5,661 |
| Core capital (leverage) ratio | 8.3763% | 5,782 |
| Tier 1 risk-based capital ratio | 14.4543% | 3,913 |
| Total risk-based capital ratio | 15.7192% | 3,841 |
| Memoranda: | ||
| Average total assets | $37,056,500 | 6,177 |
| Average earning assets | $34,164,500 | 6,157 |
| Average equity | $3,039,250 | 6,334 |
| Average total loans | $19,755,500 | 6,037 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8010% | 1,064 |
| Cost of funding earning assets | 0.5885% | 1,992 |
| Net interest margin | 4.2125% | 1,208 |
| Noninterest income to average assets | 0.2937% | 5,071 |
| Noninterest expense to average assets | 2.6594% | 4,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4952% | 877 |
| Return on assets (ROA) | 1.5166% | 881 |
| Pretax return on assets | 1.5166% | 1,487 |
| Return on Equity (ROE) | 18.8391% | 374 |
| Retained earnings to average equity (ytd only) | 8.2919% | 1,214 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0103% | 4,686 |
| Assets per employee ($millions) | 3.3304% | 5,199 |
| Cash dividends to net income (ytd only)* | 55.9859% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3607% | 3,539 |
| Loan loss allowance to noncurrent loans | 44.7587% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 1.6406% | 1,998 |
| Noncurrent loans to loans | 3.0401% | 942 |
| Net loans and leases to total assets | 53.2292% | 4,623 |
| Net loans and leases to deposits | 59.5474% | 4,905 |
| Net loans and leases to core deposits | 60.8861% | 5,066 |
| Total domestic deposits to total assets | 89.3896% | 1,163 |
| Equity capital to assets | 8.8361% | 5,487 |
| Core capital (leverage) ratio | 8.3731% | 5,771 |
| Tier 1 risk-based capital ratio | 15.0043% | 3,643 |
| Total risk-based capital ratio | 16.2558% | 3,585 |
| Memoranda: | ||
| Average total assets | $37,452,670 | 6,229 |
| Average earning assets | $34,326,330 | 6,218 |
| Average equity | $3,015,000 | 6,391 |
| Average total loans | $19,716,000 | 6,089 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 983 |
| Cost of funding earning assets | 0.5720% | 2,226 |
| Net interest margin | 4.2609% | 1,077 |
| Noninterest income to average assets | 0.3064% | 4,906 |
| Noninterest expense to average assets | 2.6306% | 4,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5319% | 767 |
| Return on assets (ROA) | 1.5319% | 801 |
| Pretax return on assets | 1.5319% | 1,336 |
| Return on Equity (ROE) | 19.9725% | 288 |
| Retained earnings to average equity (ytd only) | -1.9284% | 5,849 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1980% | 4,976 |
| Assets per employee ($millions) | 3.4645% | 4,997 |
| Cash dividends to net income (ytd only)* | 109.6552% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 3,763 |
| Loan loss allowance to noncurrent loans | 75.9887% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 0.9289% | 3,406 |
| Noncurrent loans to loans | 1.7970% | 2,144 |
| Net loans and leases to total assets | 50.9866% | 4,799 |
| Net loans and leases to deposits | 55.3795% | 5,166 |
| Net loans and leases to core deposits | 56.5397% | 5,318 |
| Total domestic deposits to total assets | 92.0677% | 229 |
| Equity capital to assets | 7.7985% | 6,173 |
| Core capital (leverage) ratio | 7.7722% | 6,235 |
| Tier 1 risk-based capital ratio | 14.4255% | 4,047 |
| Total risk-based capital ratio | 15.6743% | 4,009 |
| Memoranda: | ||
| Average total assets | $37,862,000 | 6,288 |
| Average earning assets | $34,265,000 | 6,280 |
| Average equity | $2,904,000 | 6,470 |
| Average total loans | $19,689,500 | 6,148 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0209% | 883 |
| Cost of funding earning assets | 0.6704% | 2,035 |
| Net interest margin | 4.3505% | 1,001 |
| Noninterest income to average assets | 0.3304% | 4,974 |
| Noninterest expense to average assets | 2.6972% | 4,107 |
| Loan and lease loss provision to assets | 0.2166% | 1,686 |
| Net operating income to assets | 1.3703% | 1,090 |
| Return on assets (ROA) | 1.3865% | 1,092 |
| Pretax return on assets | 1.3865% | 1,837 |
| Return on Equity (ROE) | 16.6569% | 545 |
| Retained earnings to average equity (ytd only) | 8.8490% | 806 |
| Net charge-offs to loans | 0.0889% | 3,957 |
| Credit loss provision to net charge-offs | 470.5882% | 490 |
| Earnings coverage of net charge-offs (x) | 34.4706% | 1,069 |
| Efficiency ratio | 62.9583% | 5,068 |
| Assets per employee ($millions) | 3.4195% | 5,041 |
| Cash dividends to net income (ytd only)* | 46.8750% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 3,810 |
| Loan loss allowance to noncurrent loans | 50.9470% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 1.4037% | 2,641 |
| Noncurrent loans to loans | 2.6831% | 1,370 |
| Net loans and leases to total assets | 51.6031% | 4,907 |
| Net loans and leases to deposits | 55.8995% | 5,310 |
| Net loans and leases to core deposits | 57.0698% | 5,458 |
| Total domestic deposits to total assets | 92.3140% | 233 |
| Equity capital to assets | 7.5397% | 6,263 |
| Core capital (leverage) ratio | 8.2996% | 5,877 |
| Tier 1 risk-based capital ratio | 14.3786% | 4,027 |
| Total risk-based capital ratio | 15.6271% | 3,973 |
| Memoranda: | ||
| Average total assets | $36,926,600 | 6,366 |
| Average earning assets | $33,559,600 | 6,358 |
| Average equity | $3,073,800 | 6,523 |
| Average total loans | $19,129,400 | 6,246 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0021% | 939 |
| Cost of funding earning assets | 0.6756% | 2,133 |
| Net interest margin | 4.3264% | 1,033 |
| Noninterest income to average assets | 0.3192% | 5,137 |
| Noninterest expense to average assets | 2.5466% | 4,571 |
| Loan and lease loss provision to assets | 0.2902% | 1,186 |
| Net operating income to assets | 1.4546% | 975 |
| Return on assets (ROA) | 1.4583% | 1,018 |
| Pretax return on assets | 1.4583% | 1,731 |
| Return on Equity (ROE) | 17.1065% | 529 |
| Retained earnings to average equity (ytd only) | 11.7871% | 454 |
| Net charge-offs to loans | 0.1264% | 3,262 |
| Credit loss provision to net charge-offs | 444.4444% | 596 |
| Earnings coverage of net charge-offs (x) | 26.7217% | 1,340 |
| Efficiency ratio | 59.3407% | 5,518 |
| Assets per employee ($millions) | 3.2671% | 5,347 |
| Cash dividends to net income (ytd only)* | 31.0939% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 4,065 |
| Loan loss allowance to noncurrent loans | 190.0709% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 5,241 |
| Noncurrent loans to loans | 0.7171% | 4,420 |
| Net loans and leases to total assets | 53.9652% | 4,619 |
| Net loans and leases to deposits | 59.7990% | 4,995 |
| Net loans and leases to core deposits | 61.1412% | 5,202 |
| Total domestic deposits to total assets | 90.2443% | 868 |
| Equity capital to assets | 8.2058% | 5,994 |
| Core capital (leverage) ratio | 8.2962% | 5,972 |
| Tier 1 risk-based capital ratio | 14.7745% | 3,893 |
| Total risk-based capital ratio | 16.0263% | 3,853 |
| Memoranda: | ||
| Average total assets | $36,754,750 | 6,437 |
| Average earning assets | $33,745,250 | 6,428 |
| Average equity | $3,133,250 | 6,585 |
| Average total loans | $18,992,000 | 6,317 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 972 |
| Cost of funding earning assets | 0.6928% | 2,121 |
| Net interest margin | 4.2693% | 1,092 |
| Noninterest income to average assets | 0.3133% | 5,197 |
| Noninterest expense to average assets | 2.4523% | 4,889 |
| Loan and lease loss provision to assets | 0.4321% | 687 |
| Net operating income to assets | 1.3234% | 1,262 |
| Return on assets (ROA) | 1.3288% | 1,327 |
| Pretax return on assets | 1.3288% | 2,197 |
| Return on Equity (ROE) | 15.4007% | 749 |
| Retained earnings to average equity (ytd only) | 15.4007% | 216 |
| Net charge-offs to loans | 0.4262% | 1,512 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 8.1250% | 2,451 |
| Efficiency ratio | 58.2798% | 5,694 |
| Assets per employee ($millions) | 3.6694% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 4,644 |
| Loan loss allowance to noncurrent loans | 59.7087% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 1.1228% | 3,493 |
| Noncurrent loans to loans | 2.1279% | 2,251 |
| Net loans and leases to total assets | 52.0957% | 4,850 |
| Net loans and leases to deposits | 56.8066% | 5,264 |
| Net loans and leases to core deposits | 57.5853% | 5,458 |
| Total domestic deposits to total assets | 91.7071% | 310 |
| Equity capital to assets | 8.1430% | 6,102 |
| Core capital (leverage) ratio | 7.9711% | 6,207 |
| Tier 1 risk-based capital ratio | 14.6630% | 3,991 |
| Total risk-based capital ratio | 15.8550% | 3,992 |
| Memoranda: | ||
| Average total assets | $37,027,000 | 6,485 |
| Average earning assets | $33,775,670 | 6,473 |
| Average equity | $3,194,670 | 6,621 |
| Average total loans | $18,768,670 | 6,365 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 1,032 |
| Cost of funding earning assets | 0.7182% | 2,075 |
| Net interest margin | 4.2013% | 1,177 |
| Noninterest income to average assets | 0.3119% | 5,196 |
| Noninterest expense to average assets | 2.4520% | 4,944 |
| Loan and lease loss provision to assets | 0.8604% | 241 |
| Net operating income to assets | 0.7743% | 3,312 |
| Return on assets (ROA) | 0.7743% | 3,449 |
| Pretax return on assets | 0.7743% | 4,278 |
| Return on Equity (ROE) | 8.7326% | 2,609 |
| Retained earnings to average equity (ytd only) | 8.7326% | 1,474 |
| Net charge-offs to loans | 0.8878% | 686 |
| Credit loss provision to net charge-offs | 195.1220% | 1,114 |
| Earnings coverage of net charge-offs (x) | 3.7073% | 2,697 |
| Efficiency ratio | 60.0000% | 5,586 |
| Assets per employee ($millions) | 3.5235% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 4,627 |
| Loan loss allowance to noncurrent loans | 103.3755% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6115% | 4,860 |
| Noncurrent loans to loans | 1.2706% | 3,652 |
| Net loans and leases to total assets | 47.4947% | 5,281 |
| Net loans and leases to deposits | 52.0220% | 5,616 |
| Net loans and leases to core deposits | 52.6997% | 5,769 |
| Total domestic deposits to total assets | 91.2973% | 410 |
| Equity capital to assets | 8.5531% | 5,964 |
| Core capital (leverage) ratio | 7.5863% | 6,427 |
| Tier 1 risk-based capital ratio | 13.9715% | 4,528 |
| Total risk-based capital ratio | 15.1717% | 4,520 |
| Memoranda: | ||
| Average total assets | $37,193,500 | 6,541 |
| Average earning assets | $33,418,500 | 6,544 |
| Average equity | $3,298,000 | 6,663 |
| Average total loans | $18,472,000 | 6,429 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4031% | 753 |
| Cost of funding earning assets | 0.9967% | 1,379 |
| Net interest margin | 4.4063% | 1,149 |
| Noninterest income to average assets | 0.3143% | 5,205 |
| Noninterest expense to average assets | 2.7370% | 4,263 |
| Loan and lease loss provision to assets | 0.0771% | 4,743 |
| Net operating income to assets | 1.4028% | 1,098 |
| Return on assets (ROA) | 1.5142% | 985 |
| Pretax return on assets | 1.5142% | 1,640 |
| Return on Equity (ROE) | 16.9676% | 541 |
| Retained earnings to average equity (ytd only) | 7.2673% | 1,443 |
| Net charge-offs to loans | -0.0329% | 6,627 |
| Credit loss provision to net charge-offs | -450.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9051% | 4,722 |
| Assets per employee ($millions) | 3.2390% | 5,540 |
| Cash dividends to net income (ytd only)* | 57.1698% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 5,452 |
| Loan loss allowance to noncurrent loans | 167.4797% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.9515% | 4,125 |
| Noncurrent loans to loans | 0.6725% | 4,853 |
| Net loans and leases to total assets | 50.7592% | 5,067 |
| Net loans and leases to deposits | 56.0219% | 5,445 |
| Net loans and leases to core deposits | 56.8032% | 5,650 |
| Total domestic deposits to total assets | 90.6060% | 660 |
| Equity capital to assets | 9.2088% | 5,258 |
| Core capital (leverage) ratio | 7.8787% | 6,297 |
| Tier 1 risk-based capital ratio | 14.1361% | 4,288 |
| Total risk-based capital ratio | 15.1836% | 4,396 |
| Memoranda: | ||
| Average total assets | $35,001,800 | 6,628 |
| Average earning assets | $31,001,000 | 6,636 |
| Average equity | $3,123,600 | 6,753 |
| Average total loans | $18,218,000 | 6,502 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4315% | 781 |
| Cost of funding earning assets | 1.0362% | 1,364 |
| Net interest margin | 4.3953% | 1,209 |
| Noninterest income to average assets | 0.3138% | 5,275 |
| Noninterest expense to average assets | 2.5790% | 4,809 |
| Loan and lease loss provision to assets | 0.0077% | 5,710 |
| Net operating income to assets | 1.6224% | 806 |
| Return on assets (ROA) | 1.6339% | 868 |
| Pretax return on assets | 1.6339% | 1,470 |
| Return on Equity (ROE) | 18.4589% | 448 |
| Retained earnings to average equity (ytd only) | 11.6288% | 590 |
| Net charge-offs to loans | -0.0366% | 6,627 |
| Credit loss provision to net charge-offs | -40.0000% | 6,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2727% | 5,266 |
| Assets per employee ($millions) | 3.4776% | 5,017 |
| Cash dividends to net income (ytd only)* | 37.0020% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 6,148 |
| Loan loss allowance to noncurrent loans | 461.5385% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 4,856 |
| Noncurrent loans to loans | 0.2129% | 6,073 |
| Net loans and leases to total assets | 52.1480% | 5,025 |
| Net loans and leases to deposits | 57.9115% | 5,441 |
| Net loans and leases to core deposits | 58.7445% | 5,683 |
| Total domestic deposits to total assets | 90.0477% | 826 |
| Equity capital to assets | 9.7395% | 4,876 |
| Core capital (leverage) ratio | 8.0918% | 6,238 |
| Tier 1 risk-based capital ratio | 14.4525% | 4,217 |
| Total risk-based capital ratio | 15.3744% | 4,397 |
| Memoranda: | ||
| Average total assets | $34,845,000 | 6,723 |
| Average earning assets | $30,880,750 | 6,727 |
| Average equity | $3,084,250 | 6,856 |
| Average total loans | $18,199,750 | 6,587 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4635% | 778 |
| Cost of funding earning assets | 1.0744% | 1,338 |
| Net interest margin | 4.3891% | 1,233 |
| Noninterest income to average assets | 0.3097% | 5,337 |
| Noninterest expense to average assets | 2.5812% | 4,844 |
| Loan and lease loss provision to assets | 0.0115% | 5,520 |
| Net operating income to assets | 1.5602% | 896 |
| Return on assets (ROA) | 1.5602% | 1,002 |
| Pretax return on assets | 1.5602% | 1,669 |
| Return on Equity (ROE) | 18.2347% | 482 |
| Retained earnings to average equity (ytd only) | 7.6425% | 1,790 |
| Net charge-offs to loans | -0.0330% | 6,556 |
| Credit loss provision to net charge-offs | -66.6667% | 6,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1547% | 5,222 |
| Assets per employee ($millions) | 3.2569% | 5,543 |
| Cash dividends to net income (ytd only)* | 58.0882% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 6,227 |
| Loan loss allowance to noncurrent loans | 94.6809% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.1249% | 4,139 |
| Noncurrent loans to loans | 1.0363% | 4,441 |
| Net loans and leases to total assets | 50.1424% | 5,336 |
| Net loans and leases to deposits | 55.1839% | 5,746 |
| Net loans and leases to core deposits | 55.9295% | 5,951 |
| Total domestic deposits to total assets | 90.8642% | 497 |
| Equity capital to assets | 8.9265% | 5,779 |
| Core capital (leverage) ratio | 7.5763% | 6,581 |
| Tier 1 risk-based capital ratio | 13.4087% | 4,898 |
| Total risk-based capital ratio | 14.3037% | 5,126 |
| Memoranda: | ||
| Average total assets | $34,868,000 | 6,767 |
| Average earning assets | $30,530,000 | 6,782 |
| Average equity | $2,983,330 | 6,913 |
| Average total loans | $18,161,330 | 6,639 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6236% | 598 |
| Cost of funding earning assets | 1.1649% | 1,128 |
| Net interest margin | 4.4587% | 1,093 |
| Noninterest income to average assets | 0.3489% | 5,067 |
| Noninterest expense to average assets | 2.5822% | 4,886 |
| Loan and lease loss provision to assets | 0.0233% | 5,052 |
| Net operating income to assets | 1.6168% | 837 |
| Return on assets (ROA) | 1.6168% | 937 |
| Pretax return on assets | 1.6168% | 1,517 |
| Return on Equity (ROE) | 19.3324% | 425 |
| Retained earnings to average equity (ytd only) | -2.6426% | 6,353 |
| Net charge-offs to loans | -0.0440% | 6,487 |
| Credit loss provision to net charge-offs | -100.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1570% | 5,432 |
| Assets per employee ($millions) | 3.1921% | 5,789 |
| Cash dividends to net income (ytd only)* | 113.6691% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 6,369 |
| Loan loss allowance to noncurrent loans | 45.5013% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1079% | 4,280 |
| Noncurrent loans to loans | 2.1245% | 2,997 |
| Net loans and leases to total assets | 51.6418% | 5,068 |
| Net loans and leases to deposits | 56.3767% | 5,562 |
| Net loans and leases to core deposits | 57.1478% | 5,801 |
| Total domestic deposits to total assets | 91.6014% | 349 |
| Equity capital to assets | 8.1765% | 6,384 |
| Core capital (leverage) ratio | 7.3937% | 6,689 |
| Tier 1 risk-based capital ratio | 12.8572% | 5,317 |
| Total risk-based capital ratio | 13.7556% | 5,562 |
| Memoranda: | ||
| Average total assets | $34,389,000 | 6,835 |
| Average earning assets | $29,874,000 | 6,852 |
| Average equity | $2,876,000 | 6,984 |
| Average total loans | $18,171,000 | 6,699 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9975% | 433 |
| Cost of funding earning assets | 1.4214% | 948 |
| Net interest margin | 4.5761% | 968 |
| Noninterest income to average assets | 0.1948% | 6,107 |
| Noninterest expense to average assets | 3.0215% | 3,513 |
| Loan and lease loss provision to assets | 0.0351% | 6,123 |
| Net operating income to assets | 1.1690% | 1,608 |
| Return on assets (ROA) | 1.3159% | 1,306 |
| Pretax return on assets | 1.3159% | 2,067 |
| Return on Equity (ROE) | 15.7673% | 641 |
| Retained earnings to average equity (ytd only) | 5.8936% | 2,083 |
| Net charge-offs to loans | -0.0169% | 6,938 |
| Credit loss provision to net charge-offs | -366.6667% | 6,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5042% | 3,690 |
| Assets per employee ($millions) | 3.0605% | 5,976 |
| Cash dividends to net income (ytd only)* | 62.6214% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 6,366 |
| Loan loss allowance to noncurrent loans | 38.0220% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 1.5892% | 3,563 |
| Noncurrent loans to loans | 2.5233% | 2,609 |
| Net loans and leases to total assets | 53.0492% | 5,165 |
| Net loans and leases to deposits | 58.1670% | 5,681 |
| Net loans and leases to core deposits | 58.9815% | 5,938 |
| Total domestic deposits to total assets | 91.2015% | 427 |
| Equity capital to assets | 8.5578% | 6,063 |
| Core capital (leverage) ratio | 7.9224% | 6,332 |
| Tier 1 risk-based capital ratio | 13.3595% | 4,797 |
| Total risk-based capital ratio | 14.2648% | 5,032 |
| Memoranda: | ||
| Average total assets | $31,309,200 | 6,933 |
| Average earning assets | $27,578,000 | 6,935 |
| Average equity | $2,613,000 | 7,092 |
| Average total loans | $17,784,800 | 6,766 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0661% | 412 |
| Cost of funding earning assets | 1.4726% | 945 |
| Net interest margin | 4.5934% | 961 |
| Noninterest income to average assets | 0.3385% | 5,146 |
| Noninterest expense to average assets | 2.9556% | 3,723 |
| Loan and lease loss provision to assets | 0.0434% | 5,896 |
| Net operating income to assets | 1.4279% | 1,105 |
| Return on assets (ROA) | 1.5928% | 856 |
| Pretax return on assets | 1.5928% | 1,410 |
| Return on Equity (ROE) | 19.2192% | 364 |
| Retained earnings to average equity (ytd only) | 10.9450% | 643 |
| Net charge-offs to loans | -0.0151% | 6,847 |
| Credit loss provision to net charge-offs | -500.0000% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7647% | 4,572 |
| Assets per employee ($millions) | 3.1076% | 5,882 |
| Cash dividends to net income (ytd only)* | 43.0516% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 6,432 |
| Loan loss allowance to noncurrent loans | 65.2672% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.5092% | 3,848 |
| Noncurrent loans to loans | 1.4649% | 4,101 |
| Net loans and leases to total assets | 57.0022% | 4,684 |
| Net loans and leases to deposits | 63.1673% | 5,272 |
| Net loans and leases to core deposits | 64.1370% | 5,597 |
| Total domestic deposits to total assets | 90.2401% | 750 |
| Equity capital to assets | 9.5057% | 5,073 |
| Core capital (leverage) ratio | 8.3630% | 5,905 |
| Tier 1 risk-based capital ratio | 14.0479% | 4,323 |
| Total risk-based capital ratio | 14.9690% | 4,525 |
| Memoranda: | ||
| Average total assets | $30,720,250 | 7,017 |
| Average earning assets | $27,342,750 | 7,009 |
| Average equity | $2,546,000 | 7,180 |
| Average total loans | $17,723,000 | 6,835 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0521% | 429 |
| Cost of funding earning assets | 1.5020% | 997 |
| Net interest margin | 4.5501% | 1,011 |
| Noninterest income to average assets | 0.3006% | 5,483 |
| Noninterest expense to average assets | 2.9541% | 3,816 |
| Loan and lease loss provision to assets | 0.0654% | 5,491 |
| Net operating income to assets | 1.3202% | 1,270 |
| Return on assets (ROA) | 1.5555% | 848 |
| Pretax return on assets | 1.5555% | 1,366 |
| Return on Equity (ROE) | 19.7510% | 329 |
| Retained earnings to average equity (ytd only) | 6.6390% | 2,058 |
| Net charge-offs to loans | -0.0113% | 6,710 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0723% | 4,497 |
| Assets per employee ($millions) | 3.0785% | 5,924 |
| Cash dividends to net income (ytd only)* | 66.3866% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 6,490 |
| Loan loss allowance to noncurrent loans | 65.6371% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.5040% | 3,947 |
| Noncurrent loans to loans | 1.4589% | 4,235 |
| Net loans and leases to total assets | 57.1155% | 4,802 |
| Net loans and leases to deposits | 62.7404% | 5,423 |
| Net loans and leases to core deposits | 63.6834% | 5,759 |
| Total domestic deposits to total assets | 91.0346% | 486 |
| Equity capital to assets | 8.5594% | 6,114 |
| Core capital (leverage) ratio | 7.8921% | 6,420 |
| Tier 1 risk-based capital ratio | 13.3552% | 4,647 |
| Total risk-based capital ratio | 14.2711% | 4,881 |
| Memoranda: | ||
| Average total assets | $30,601,670 | 7,090 |
| Average earning assets | $27,164,000 | 7,080 |
| Average equity | $2,410,000 | 7,269 |
| Average total loans | $17,669,000 | 6,907 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1478% | 365 |
| Cost of funding earning assets | 1.5482% | 983 |
| Net interest margin | 4.5996% | 862 |
| Noninterest income to average assets | 0.3278% | 5,288 |
| Noninterest expense to average assets | 2.9105% | 4,019 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4290% | 1,017 |
| Return on assets (ROA) | 1.4159% | 1,073 |
| Pretax return on assets | 1.4159% | 1,680 |
| Return on Equity (ROE) | 18.8030% | 411 |
| Retained earnings to average equity (ytd only) | -8.7051% | 6,801 |
| Net charge-offs to loans | -0.0227% | 6,612 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0695% | 4,841 |
| Assets per employee ($millions) | 2.8663% | 6,411 |
| Cash dividends to net income (ytd only)* | 146.2963% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 6,682 |
| Loan loss allowance to noncurrent loans | 78.0488% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9356% | 5,015 |
| Noncurrent loans to loans | 1.1615% | 4,761 |
| Net loans and leases to total assets | 55.4727% | 5,084 |
| Net loans and leases to deposits | 60.0536% | 5,723 |
| Net loans and leases to core deposits | 60.9217% | 6,023 |
| Total domestic deposits to total assets | 92.3721% | 195 |
| Equity capital to assets | 7.2029% | 7,011 |
| Core capital (leverage) ratio | 7.6642% | 6,586 |
| Tier 1 risk-based capital ratio | 12.9322% | 4,874 |
| Total risk-based capital ratio | 13.8130% | 5,183 |
| Memoranda: | ||
| Average total assets | $30,510,000 | 7,141 |
| Average earning assets | $26,611,000 | 7,154 |
| Average equity | $2,297,500 | 7,339 |
| Average total loans | $17,627,000 | 6,962 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2352% | 529 |
| Cost of funding earning assets | 1.7776% | 1,266 |
| Net interest margin | 4.4577% | 1,330 |
| Noninterest income to average assets | 0.4557% | 4,476 |
| Noninterest expense to average assets | 3.2567% | 2,886 |
| Loan and lease loss provision to assets | 0.0456% | 6,712 |
| Net operating income to assets | 1.1358% | 1,592 |
| Return on assets (ROA) | 1.1358% | 1,672 |
| Pretax return on assets | 1.1358% | 2,442 |
| Return on Equity (ROE) | 13.9092% | 901 |
| Retained earnings to average equity (ytd only) | 5.4950% | 2,115 |
| Net charge-offs to loans | 0.2866% | 4,590 |
| Credit loss provision to net charge-offs | 26.0000% | 6,521 |
| Earnings coverage of net charge-offs (x) | 6.7400% | 2,292 |
| Efficiency ratio | 73.3807% | 3,512 |
| Assets per employee ($millions) | 2.4576% | 7,068 |
| Cash dividends to net income (ytd only)* | 60.4938% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 6,712 |
| Loan loss allowance to noncurrent loans | 103.9216% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.8240% | 5,348 |
| Noncurrent loans to loans | 0.8691% | 5,328 |
| Net loans and leases to total assets | 59.1536% | 4,812 |
| Net loans and leases to deposits | 64.5203% | 5,573 |
| Net loans and leases to core deposits | 65.5014% | 5,927 |
| Total domestic deposits to total assets | 91.6822% | 349 |
| Equity capital to assets | 7.8804% | 6,610 |
| Core capital (leverage) ratio | 8.0186% | 6,177 |
| Tier 1 risk-based capital ratio | 13.5147% | 4,184 |
| Total risk-based capital ratio | 14.4105% | 4,438 |
| Memoranda: | ||
| Average total assets | $28,525,800 | 7,255 |
| Average earning assets | $25,484,200 | 7,244 |
| Average equity | $2,329,400 | 7,447 |
| Average total loans | $17,448,000 | 7,063 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2419% | 567 |
| Cost of funding earning assets | 1.8250% | 1,323 |
| Net interest margin | 4.4169% | 1,478 |
| Noninterest income to average assets | 0.4290% | 4,728 |
| Noninterest expense to average assets | 3.1442% | 3,128 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2209% | 1,534 |
| Return on assets (ROA) | 1.2209% | 1,611 |
| Pretax return on assets | 1.2209% | 2,419 |
| Return on Equity (ROE) | 14.8158% | 895 |
| Retained earnings to average equity (ytd only) | 5.7775% | 2,491 |
| Net charge-offs to loans | 0.2298% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 8.6330% | 2,135 |
| Efficiency ratio | 72.0302% | 3,691 |
| Assets per employee ($millions) | 2.6320% | 6,878 |
| Cash dividends to net income (ytd only)* | 61.0043% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 6,584 |
| Loan loss allowance to noncurrent loans | 2,075.0000% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 6,537 |
| Noncurrent loans to loans | 0.0456% | 7,131 |
| Net loans and leases to total assets | 59.9682% | 4,921 |
| Net loans and leases to deposits | 66.1284% | 5,655 |
| Net loans and leases to core deposits | 67.1644% | 6,020 |
| Total domestic deposits to total assets | 90.6846% | 559 |
| Equity capital to assets | 8.8491% | 5,781 |
| Core capital (leverage) ratio | 8.2048% | 6,027 |
| Tier 1 risk-based capital ratio | 13.9161% | 3,903 |
| Total risk-based capital ratio | 14.8900% | 4,043 |
| Memoranda: | ||
| Average total assets | $28,284,500 | 7,351 |
| Average earning assets | $25,205,500 | 7,341 |
| Average equity | $2,330,750 | 7,539 |
| Average total loans | $17,409,000 | 7,152 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2153% | 603 |
| Cost of funding earning assets | 1.8598% | 1,382 |
| Net interest margin | 4.3555% | 1,576 |
| Noninterest income to average assets | 0.4561% | 4,469 |
| Noninterest expense to average assets | 3.2001% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1617% | 1,670 |
| Return on assets (ROA) | 1.1617% | 1,729 |
| Pretax return on assets | 1.1617% | 2,549 |
| Return on Equity (ROE) | 14.4653% | 947 |
| Retained earnings to average equity (ytd only) | 0.4437% | 5,586 |
| Net charge-offs to loans | 0.2994% | 3,821 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 6.2692% | 2,491 |
| Efficiency ratio | 73.3660% | 3,583 |
| Assets per employee ($millions) | 2.3788% | 7,256 |
| Cash dividends to net income (ytd only)* | 96.9325% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 6,527 |
| Loan loss allowance to noncurrent loans | 184.7826% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 6,608 |
| Noncurrent loans to loans | 0.5240% | 6,209 |
| Net loans and leases to total assets | 60.9087% | 4,886 |
| Net loans and leases to deposits | 66.7524% | 5,716 |
| Net loans and leases to core deposits | 67.7829% | 6,074 |
| Total domestic deposits to total assets | 91.2457% | 401 |
| Equity capital to assets | 8.3024% | 6,426 |
| Core capital (leverage) ratio | 7.9896% | 6,287 |
| Tier 1 risk-based capital ratio | 13.5090% | 4,060 |
| Total risk-based capital ratio | 14.5180% | 4,193 |
| Memoranda: | ||
| Average total assets | $28,062,000 | 7,415 |
| Average earning assets | $25,163,670 | 7,394 |
| Average equity | $2,253,670 | 7,616 |
| Average total loans | $17,369,330 | 7,204 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1251% | 741 |
| Cost of funding earning assets | 1.8614% | 1,606 |
| Net interest margin | 4.2637% | 1,809 |
| Noninterest income to average assets | 0.5320% | 3,797 |
| Noninterest expense to average assets | 3.1488% | 3,060 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2365% | 1,438 |
| Return on assets (ROA) | 1.2365% | 1,511 |
| Pretax return on assets | 1.2365% | 2,246 |
| Return on Equity (ROE) | 15.6684% | 770 |
| Retained earnings to average equity (ytd only) | -13.1177% | 7,128 |
| Net charge-offs to loans | 0.6252% | 2,257 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 3.1852% | 2,992 |
| Efficiency ratio | 71.8033% | 3,964 |
| Assets per employee ($millions) | 2.3214% | 7,436 |
| Cash dividends to net income (ytd only)* | 183.7209% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 6,503 |
| Loan loss allowance to noncurrent loans | 845.0000% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 7,308 |
| Noncurrent loans to loans | 0.1175% | 7,114 |
| Net loans and leases to total assets | 60.5018% | 5,037 |
| Net loans and leases to deposits | 65.9441% | 5,826 |
| Net loans and leases to core deposits | 66.9820% | 6,205 |
| Total domestic deposits to total assets | 91.7471% | 307 |
| Equity capital to assets | 7.7682% | 6,871 |
| Core capital (leverage) ratio | 7.8415% | 6,448 |
| Tier 1 risk-based capital ratio | 13.4941% | 3,986 |
| Total risk-based capital ratio | 14.5312% | 4,090 |
| Memoranda: | ||
| Average total assets | $27,820,000 | 7,510 |
| Average earning assets | $25,142,500 | 7,488 |
| Average equity | $2,195,500 | 7,713 |
| Average total loans | $17,275,500 | 7,296 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3730% | 879 |
| Cost of funding earning assets | 2.1820% | 2,107 |
| Net interest margin | 4.1911% | 2,099 |
| Noninterest income to average assets | 0.5465% | 4,053 |
| Noninterest expense to average assets | 3.3599% | 2,808 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9452% | 2,023 |
| Return on assets (ROA) | 0.9452% | 2,080 |
| Pretax return on assets | 0.9452% | 2,776 |
| Return on Equity (ROE) | 11.8893% | 1,193 |
| Retained earnings to average equity (ytd only) | 4.5514% | 2,071 |
| Net charge-offs to loans | 0.0118% | 7,064 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 222 |
| Efficiency ratio | 78.0446% | 3,186 |
| Assets per employee ($millions) | 2.5257% | 7,159 |
| Cash dividends to net income (ytd only)* | 61.7188% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 5,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 62.3835% | 4,911 |
| Net loans and leases to deposits | 68.1986% | 5,799 |
| Net loans and leases to core deposits | 83.3911% | 5,776 |
| Total domestic deposits to total assets | 91.4732% | 386 |
| Equity capital to assets | 8.0157% | 6,567 |
| Core capital (leverage) ratio | 8.1797% | 5,851 |
| Tier 1 risk-based capital ratio | 13.6610% | 3,710 |
| Total risk-based capital ratio | 14.8400% | 3,709 |
| Memoranda: | ||
| Average total assets | $27,083,800 | 7,583 |
| Average earning assets | $24,289,800 | 7,569 |
| Average equity | $2,153,200 | 7,811 |
| Average total loans | $17,010,000 | 7,351 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3200% | 1,088 |
| Cost of funding earning assets | 2.2114% | 2,353 |
| Net interest margin | 4.1086% | 2,360 |
| Noninterest income to average assets | 0.5004% | 4,474 |
| Noninterest expense to average assets | 3.2553% | 3,104 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9365% | 2,280 |
| Return on assets (ROA) | 0.9365% | 2,346 |
| Pretax return on assets | 0.9365% | 3,109 |
| Return on Equity (ROE) | 11.8042% | 1,415 |
| Retained earnings to average equity (ytd only) | 1.9361% | 4,246 |
| Net charge-offs to loans | 0.0237% | 6,554 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 62.9975% | 518 |
| Efficiency ratio | 77.6596% | 3,217 |
| Assets per employee ($millions) | 2.4876% | 7,245 |
| Cash dividends to net income (ytd only)* | 83.5986% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 5,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 61.3799% | 5,348 |
| Net loans and leases to deposits | 67.1035% | 6,201 |
| Net loans and leases to core deposits | 81.1597% | 6,258 |
| Total domestic deposits to total assets | 91.4705% | 264 |
| Equity capital to assets | 8.0361% | 6,818 |
| Core capital (leverage) ratio | 8.0196% | 6,329 |
| Tier 1 risk-based capital ratio | 13.6931% | 3,714 |
| Total risk-based capital ratio | 14.9041% | 3,685 |
| Memoranda: | ||
| Average total assets | $26,909,000 | 7,654 |
| Average earning assets | $24,176,500 | 7,640 |
| Average equity | $2,134,750 | 7,895 |
| Average total loans | $16,880,500 | 7,427 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4111% | 984 |
| Cost of funding earning assets | 2.2397% | 2,626 |
| Net interest margin | 4.1714% | 2,090 |
| Noninterest income to average assets | 0.4933% | 4,499 |
| Noninterest expense to average assets | 3.3262% | 2,864 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9119% | 2,411 |
| Return on assets (ROA) | 0.9119% | 2,508 |
| Pretax return on assets | 0.9119% | 3,294 |
| Return on Equity (ROE) | 11.5458% | 1,547 |
| Retained earnings to average equity (ytd only) | -3.4069% | 6,032 |
| Net charge-offs to loans | 0.0356% | 5,967 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 801 |
| Efficiency ratio | 78.4832% | 3,277 |
| Assets per employee ($millions) | 2.4567% | 7,330 |
| Cash dividends to net income (ytd only)* | 129.5082% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 5,189 |
| Loan loss allowance to noncurrent loans | 49.8721% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 1.4469% | 4,079 |
| Noncurrent loans to loans | 2.3264% | 3,109 |
| Net loans and leases to total assets | 61.4713% | 5,443 |
| Net loans and leases to deposits | 66.9974% | 6,291 |
| Net loans and leases to core deposits | 81.1093% | 6,314 |
| Total domestic deposits to total assets | 91.7518% | 256 |
| Equity capital to assets | 7.6969% | 7,079 |
| Core capital (leverage) ratio | 7.7947% | 6,622 |
| Tier 1 risk-based capital ratio | 13.3990% | 3,866 |
| Total risk-based capital ratio | 14.6216% | 3,823 |
| Memoranda: | ||
| Average total assets | $26,757,330 | 7,730 |
| Average earning assets | $24,021,000 | 7,720 |
| Average equity | $2,113,330 | 7,980 |
| Average total loans | $16,843,670 | 7,495 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4628% | 930 |
| Cost of funding earning assets | 2.2712% | 2,835 |
| Net interest margin | 4.1916% | 1,928 |
| Noninterest income to average assets | 0.4657% | 4,634 |
| Noninterest expense to average assets | 3.3203% | 2,598 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9165% | 2,629 |
| Return on assets (ROA) | 0.9165% | 2,770 |
| Pretax return on assets | 0.9165% | 3,655 |
| Return on Equity (ROE) | 11.4554% | 1,829 |
| Retained earnings to average equity (ytd only) | -18.2160% | 7,593 |
| Net charge-offs to loans | -0.0237% | 7,482 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3688% | 3,107 |
| Assets per employee ($millions) | 2.4090% | 7,446 |
| Cash dividends to net income (ytd only)* | 259.0164% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 4,896 |
| Loan loss allowance to noncurrent loans | 46.0648% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 1.6303% | 3,468 |
| Noncurrent loans to loans | 2.5728% | 2,564 |
| Net loans and leases to total assets | 62.6137% | 5,222 |
| Net loans and leases to deposits | 68.3108% | 6,150 |
| Net loans and leases to core deposits | 83.0389% | 6,141 |
| Total domestic deposits to total assets | 91.6601% | 236 |
| Equity capital to assets | 7.8343% | 7,028 |
| Core capital (leverage) ratio | 7.7295% | 6,851 |
| Tier 1 risk-based capital ratio | 13.2521% | 4,024 |
| Total risk-based capital ratio | 14.5026% | 3,940 |
| Memoranda: | ||
| Average total assets | $26,624,000 | 7,777 |
| Average earning assets | $23,952,500 | 7,768 |
| Average equity | $2,130,000 | 8,028 |
| Average total loans | $16,862,000 | 7,540 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9786% | 1,190 |
| Cost of funding earning assets | 2.6509% | 3,423 |
| Net interest margin | 4.3278% | 1,889 |
| Noninterest income to average assets | 0.5858% | 3,966 |
| Noninterest expense to average assets | 3.3004% | 2,956 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1984% | 1,771 |
| Return on assets (ROA) | 1.1984% | 1,704 |
| Pretax return on assets | 1.1984% | 2,645 |
| Return on Equity (ROE) | 14.8131% | 949 |
| Retained earnings to average equity (ytd only) | 1.5144% | 4,320 |
| Net charge-offs to loans | -0.0058% | 7,796 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3617% | 3,683 |
| Assets per employee ($millions) | 2.4317% | 7,346 |
| Cash dividends to net income (ytd only)* | 89.7764% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 4,784 |
| Loan loss allowance to noncurrent loans | 66.2207% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.1178% | 4,041 |
| Noncurrent loans to loans | 1.7658% | 3,118 |
| Net loans and leases to total assets | 62.5631% | 5,528 |
| Net loans and leases to deposits | 68.4990% | 6,416 |
| Net loans and leases to core deposits | 81.8377% | 6,476 |
| Total domestic deposits to total assets | 91.3343% | 242 |
| Equity capital to assets | 8.1648% | 6,609 |
| Core capital (leverage) ratio | 8.0905% | 6,338 |
| Tier 1 risk-based capital ratio | 13.8630% | 3,615 |
| Total risk-based capital ratio | 15.1129% | 3,532 |
| Memoranda: | ||
| Average total assets | $26,118,000 | 7,800 |
| Average earning assets | $23,615,000 | 7,797 |
| Average equity | $2,113,000 | 8,100 |
| Average total loans | $17,220,600 | 7,506 |