Home > State Bank of Missouri > Performance and Condition Ratios
State Bank of Missouri, 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 | 4.1491% | 3,722 |
| Cost of funding earning assets | 1.4062% | 2,215 |
| Net interest margin | 2.7429% | 3,758 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 1.9523% | 3,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8301% | 2,777 |
| Return on assets (ROA) | 0.8301% | 2,753 |
| Pretax return on assets | 1.0456% | 2,547 |
| Return on Equity (ROE) | 14.1300% | 1,458 |
| Retained earnings to average equity (ytd only) | 2.8260% | 3,337 |
| Net charge-offs to loans | 0.1265% | 781 |
| Credit loss provision to net charge-offs | -41.6667% | 4,455 |
| Earnings coverage of net charge-offs (x) | 16.0938% | 2,022 |
| Efficiency ratio | 65.0926% | 2,465 |
| Assets per employee ($millions) | 6.0888% | 2,745 |
| Cash dividends to net income (ytd only)* | 80.0000% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 3,234 |
| Loan loss allowance to noncurrent loans | 51.8662% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.1120% | 412 |
| Noncurrent loans to loans | 1.9561% | 297 |
| Net loans and leases to total assets | 53.8100% | 3,364 |
| Net loans and leases to deposits | 57.7905% | 3,637 |
| Net loans and leases to core deposits | 59.4408% | 3,783 |
| Total domestic deposits to total assets | 93.1200% | 161 |
| Equity capital to assets | 6.3375% | 4,160 |
| Core capital (leverage) ratio | 8.4658% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4249% | 843 |
| Memoranda: | ||
| Average total assets | $147,569,200 | 3,389 |
| Average earning assets | $140,874,000 | 3,336 |
| Average equity | $8,669,600 | 3,860 |
| Average total loans | $75,877,600 | 3,468 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0391% | 3,780 |
| Cost of funding earning assets | 1.3608% | 1,972 |
| Net interest margin | 2.6783% | 3,906 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.9009% | 3,798 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8301% | 2,933 |
| Return on assets (ROA) | 0.8301% | 2,916 |
| Pretax return on assets | 1.0419% | 2,738 |
| Return on Equity (ROE) | 14.4100% | 1,564 |
| Retained earnings to average equity (ytd only) | 14.4098% | 623 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.5546% | 2,436 |
| Assets per employee ($millions) | 6.0304% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 2,733 |
| Loan loss allowance to noncurrent loans | 142.3077% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 1,351 |
| Noncurrent loans to loans | 0.7930% | 1,051 |
| Net loans and leases to total assets | 53.7600% | 3,377 |
| Net loans and leases to deposits | 57.3928% | 3,640 |
| Net loans and leases to core deposits | 58.5107% | 3,765 |
| Total domestic deposits to total assets | 93.6700% | 218 |
| Equity capital to assets | 5.8412% | 4,040 |
| Core capital (leverage) ratio | 8.8225% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5306% | 759 |
| Memoranda: | ||
| Average total assets | $147,928,750 | 3,395 |
| Average earning assets | $141,280,750 | 3,340 |
| Average equity | $8,521,750 | 3,879 |
| Average total loans | $74,985,750 | 3,484 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 3,903 |
| Cost of funding earning assets | 1.2890% | 1,737 |
| Net interest margin | 2.5921% | 4,119 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.8860% | 3,849 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7839% | 3,130 |
| Return on assets (ROA) | 0.7839% | 3,144 |
| Pretax return on assets | 0.9880% | 2,949 |
| Return on Equity (ROE) | 13.6700% | 1,755 |
| Retained earnings to average equity (ytd only) | 13.6699% | 723 |
| Net charge-offs to loans | -0.0054% | 3,735 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.5623% | 2,306 |
| Assets per employee ($millions) | 5.9475% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 1,999 |
| Loan loss allowance to noncurrent loans | 198.3229% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 1,637 |
| Noncurrent loans to loans | 0.6472% | 1,154 |
| Net loans and leases to total assets | 48.9300% | 3,632 |
| Net loans and leases to deposits | 52.2627% | 3,829 |
| Net loans and leases to core deposits | 53.0964% | 3,921 |
| Total domestic deposits to total assets | 93.6300% | 178 |
| Equity capital to assets | 5.9500% | 4,172 |
| Core capital (leverage) ratio | 8.4800% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1562% | 707 |
| Memoranda: | ||
| Average total assets | $148,995,000 | 3,388 |
| Average earning assets | $142,433,667 | 3,336 |
| Average equity | $8,544,333 | 3,895 |
| Average total loans | $73,750,333 | 3,510 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7178% | 3,996 |
| Cost of funding earning assets | 1.1260% | 1,678 |
| Net interest margin | 2.5918% | 4,216 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 1.8156% | 4,003 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.8528% | 3,010 |
| Return on assets (ROA) | 0.8528% | 2,964 |
| Pretax return on assets | 1.0593% | 2,833 |
| Return on Equity (ROE) | 15.1600% | 1,526 |
| Retained earnings to average equity (ytd only) | 15.1555% | 782 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.0354% | 2,563 |
| Assets per employee ($millions) | 6.2307% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,184 |
| Loan loss allowance to noncurrent loans | 217.5115% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 1,707 |
| Noncurrent loans to loans | 0.5836% | 1,272 |
| Net loans and leases to total assets | 49.1000% | 3,557 |
| Net loans and leases to deposits | 52.4182% | 3,772 |
| Net loans and leases to core deposits | 53.2489% | 3,861 |
| Total domestic deposits to total assets | 93.6700% | 207 |
| Equity capital to assets | 5.9015% | 4,238 |
| Core capital (leverage) ratio | 8.3149% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5137% | 791 |
| Memoranda: | ||
| Average total assets | $149,148,500 | 3,434 |
| Average earning assets | $142,449,000 | 3,382 |
| Average equity | $8,393,000 | 3,968 |
| Average total loans | $73,773,500 | 3,544 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2409% | 3,739 |
| Cost of funding earning assets | 0.4435% | 1,767 |
| Net interest margin | 2.7974% | 3,902 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.9674% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8045% | 3,310 |
| Return on assets (ROA) | 0.8045% | 3,237 |
| Pretax return on assets | 1.0665% | 2,871 |
| Return on Equity (ROE) | 13.2000% | 1,740 |
| Retained earnings to average equity (ytd only) | 10.6316% | 974 |
| Net charge-offs to loans | 0.0044% | 2,288 |
| Credit loss provision to net charge-offs | 233.3333% | 1,030 |
| Earnings coverage of net charge-offs (x) | 500.3333% | 331 |
| Efficiency ratio | 64.7404% | 2,395 |
| Assets per employee ($millions) | 6.1983% | 2,593 |
| Cash dividends to net income (ytd only)* | 19.4321% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 1,962 |
| Loan loss allowance to noncurrent loans | 146.0465% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 1,182 |
| Noncurrent loans to loans | 0.8813% | 839 |
| Net loans and leases to total assets | 48.5600% | 3,630 |
| Net loans and leases to deposits | 51.8377% | 3,814 |
| Net loans and leases to core deposits | 57.4800% | 3,644 |
| Total domestic deposits to total assets | 93.6800% | 278 |
| Equity capital to assets | 5.3516% | 4,278 |
| Core capital (leverage) ratio | 8.0685% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9954% | 830 |
| Memoranda: | ||
| Average total assets | $140,084,400 | 3,528 |
| Average earning assets | $133,697,000 | 3,489 |
| Average equity | $8,540,600 | 4,043 |
| Average total loans | $67,944,800 | 3,609 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1005% | 3,677 |
| Cost of funding earning assets | 0.2924% | 2,251 |
| Net interest margin | 2.8080% | 3,720 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.9596% | 3,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8237% | 3,159 |
| Return on assets (ROA) | 0.8237% | 3,121 |
| Pretax return on assets | 1.1050% | 2,705 |
| Return on Equity (ROE) | 13.0800% | 1,673 |
| Retained earnings to average equity (ytd only) | 9.7171% | 1,426 |
| Net charge-offs to loans | 0.0060% | 1,943 |
| Credit loss provision to net charge-offs | 33.3333% | 1,590 |
| Earnings coverage of net charge-offs (x) | 381.3333% | 403 |
| Efficiency ratio | 63.9231% | 2,565 |
| Assets per employee ($millions) | 6.2026% | 2,574 |
| Cash dividends to net income (ytd only)* | 25.7042% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 1,975 |
| Loan loss allowance to noncurrent loans | 458.8235% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 2,645 |
| Noncurrent loans to loans | 0.2861% | 2,222 |
| Net loans and leases to total assets | 47.2700% | 3,684 |
| Net loans and leases to deposits | 49.7543% | 3,871 |
| Net loans and leases to core deposits | 55.1943% | 3,677 |
| Total domestic deposits to total assets | 95.0000% | 222 |
| Equity capital to assets | 4.6002% | 4,378 |
| Core capital (leverage) ratio | 8.3484% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6607% | 898 |
| Memoranda: | ||
| Average total assets | $137,915,500 | 3,574 |
| Average earning assets | $131,761,750 | 3,526 |
| Average equity | $8,685,500 | 4,068 |
| Average total loans | $66,635,000 | 3,656 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0126% | 3,529 |
| Cost of funding earning assets | 0.1853% | 3,110 |
| Net interest margin | 2.8273% | 3,361 |
| Noninterest income to average assets | 0.3962% | 2,783 |
| Noninterest expense to average assets | 1.9633% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8118% | 2,913 |
| Return on assets (ROA) | 0.8118% | 2,884 |
| Pretax return on assets | 1.1380% | 2,275 |
| Return on Equity (ROE) | 11.7230% | 1,753 |
| Retained earnings to average equity (ytd only) | 7.0123% | 1,986 |
| Net charge-offs to loans | 0.0061% | 1,776 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 382.0000% | 330 |
| Efficiency ratio | 63.3045% | 2,869 |
| Assets per employee ($millions) | 5.4036% | 3,325 |
| Cash dividends to net income (ytd only)* | 40.1835% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 1,856 |
| Loan loss allowance to noncurrent loans | 262.9213% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 1,989 |
| Noncurrent loans to loans | 0.5234% | 1,578 |
| Net loans and leases to total assets | 49.6521% | 3,407 |
| Net loans and leases to deposits | 52.9609% | 3,610 |
| Net loans and leases to core deposits | 53.9995% | 3,691 |
| Total domestic deposits to total assets | 93.7523% | 330 |
| Equity capital to assets | 5.8887% | 4,237 |
| Core capital (leverage) ratio | 8.4374% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8966% | 869 |
| Memoranda: | ||
| Average total assets | $134,266,667 | 3,659 |
| Average earning assets | $128,461,667 | 3,613 |
| Average equity | $9,298,000 | 4,075 |
| Average total loans | $65,079,667 | 3,709 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9256% | 3,470 |
| Cost of funding earning assets | 0.1525% | 3,477 |
| Net interest margin | 2.7731% | 3,216 |
| Noninterest income to average assets | 0.4004% | 2,686 |
| Noninterest expense to average assets | 1.9753% | 3,497 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9533% | 2,064 |
| Return on assets (ROA) | 0.9533% | 2,060 |
| Pretax return on assets | 1.0877% | 2,181 |
| Return on Equity (ROE) | 12.7990% | 1,086 |
| Retained earnings to average equity (ytd only) | 12.7990% | 488 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4878% | 2,970 |
| Assets per employee ($millions) | 5.6909% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 1,652 |
| Loan loss allowance to noncurrent loans | 235.0877% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 1,953 |
| Noncurrent loans to loans | 0.6252% | 1,502 |
| Net loans and leases to total assets | 46.0383% | 3,573 |
| Net loans and leases to deposits | 49.5235% | 3,769 |
| Net loans and leases to core deposits | 50.5942% | 3,839 |
| Total domestic deposits to total assets | 92.9625% | 283 |
| Equity capital to assets | 6.6385% | 4,371 |
| Core capital (leverage) ratio | 8.4929% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9665% | 761 |
| Memoranda: | ||
| Average total assets | $133,855,000 | 3,680 |
| Average earning assets | $128,522,000 | 3,625 |
| Average equity | $9,969,500 | 4,059 |
| Average total loans | $63,614,000 | 3,737 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1081% | 3,671 |
| Cost of funding earning assets | 0.1755% | 3,705 |
| Net interest margin | 2.9327% | 3,365 |
| Noninterest income to average assets | 0.4272% | 2,914 |
| Noninterest expense to average assets | 2.0898% | 3,413 |
| Loan and lease loss provision to assets | 0.0031% | 3,015 |
| Net operating income to assets | 1.1667% | 2,034 |
| Return on assets (ROA) | 1.1667% | 2,095 |
| Pretax return on assets | 1.1667% | 2,773 |
| Return on Equity (ROE) | 14.2568% | 1,113 |
| Retained earnings to average equity (ytd only) | 14.2568% | 286 |
| Net charge-offs to loans | 0.0049% | 2,421 |
| Credit loss provision to net charge-offs | 133.3333% | 1,560 |
| Earnings coverage of net charge-offs (x) | 499.3333% | 274 |
| Efficiency ratio | 64.1112% | 2,551 |
| Assets per employee ($millions) | 5.4637% | 3,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 1,639 |
| Loan loss allowance to noncurrent loans | 241.1311% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 2,055 |
| Noncurrent loans to loans | 0.6135% | 1,611 |
| Net loans and leases to total assets | 47.6420% | 3,527 |
| Net loans and leases to deposits | 52.1465% | 3,727 |
| Net loans and leases to core deposits | 53.3415% | 3,803 |
| Total domestic deposits to total assets | 91.3619% | 365 |
| Equity capital to assets | 8.2911% | 4,185 |
| Core capital (leverage) ratio | 8.4443% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6559% | 798 |
| Memoranda: | ||
| Average total assets | $128,052,200 | 3,703 |
| Average earning assets | $123,675,000 | 3,641 |
| Average equity | $10,479,200 | 4,085 |
| Average total loans | $61,789,600 | 3,786 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0990% | 3,809 |
| Cost of funding earning assets | 0.1819% | 3,793 |
| Net interest margin | 2.9171% | 3,514 |
| Noninterest income to average assets | 0.4316% | 2,924 |
| Noninterest expense to average assets | 2.0447% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2088% | 2,140 |
| Return on assets (ROA) | 1.2088% | 2,196 |
| Pretax return on assets | 1.2088% | 2,899 |
| Return on Equity (ROE) | 14.8216% | 1,179 |
| Retained earnings to average equity (ytd only) | 14.8216% | 422 |
| Net charge-offs to loans | 0.0022% | 2,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,154.0000% | 142 |
| Efficiency ratio | 62.8461% | 2,560 |
| Assets per employee ($millions) | 5.4043% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 1,583 |
| Loan loss allowance to noncurrent loans | 193.3884% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 1,955 |
| Noncurrent loans to loans | 0.7829% | 1,444 |
| Net loans and leases to total assets | 46.9403% | 3,720 |
| Net loans and leases to deposits | 51.4432% | 3,923 |
| Net loans and leases to core deposits | 52.6355% | 4,004 |
| Total domestic deposits to total assets | 91.2469% | 300 |
| Equity capital to assets | 8.3830% | 4,286 |
| Core capital (leverage) ratio | 8.3528% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7377% | 857 |
| Memoranda: | ||
| Average total assets | $127,283,250 | 3,752 |
| Average earning assets | $123,132,250 | 3,686 |
| Average equity | $10,381,000 | 4,147 |
| Average total loans | $61,384,500 | 3,846 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9523% | 4,133 |
| Cost of funding earning assets | 0.1875% | 3,874 |
| Net interest margin | 2.7648% | 3,862 |
| Noninterest income to average assets | 0.4444% | 2,877 |
| Noninterest expense to average assets | 2.0336% | 3,595 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0927% | 2,578 |
| Return on assets (ROA) | 1.0927% | 2,646 |
| Pretax return on assets | 1.0927% | 3,240 |
| Return on Equity (ROE) | 13.5265% | 1,559 |
| Retained earnings to average equity (ytd only) | 13.5265% | 634 |
| Net charge-offs to loans | -0.0033% | 3,311 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0481% | 2,296 |
| Assets per employee ($millions) | 4.7632% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 1,493 |
| Loan loss allowance to noncurrent loans | 222.2749% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 2,281 |
| Noncurrent loans to loans | 0.6883% | 1,704 |
| Net loans and leases to total assets | 46.9426% | 3,832 |
| Net loans and leases to deposits | 51.2966% | 4,031 |
| Net loans and leases to core deposits | 52.3245% | 4,113 |
| Total domestic deposits to total assets | 91.5121% | 228 |
| Equity capital to assets | 8.1295% | 4,466 |
| Core capital (leverage) ratio | 8.0659% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1007% | 941 |
| Memoranda: | ||
| Average total assets | $126,476,667 | 3,773 |
| Average earning assets | $122,685,333 | 3,703 |
| Average equity | $10,217,000 | 4,176 |
| Average total loans | $61,239,667 | 3,874 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9603% | 4,166 |
| Cost of funding earning assets | 0.1904% | 4,006 |
| Net interest margin | 2.7700% | 3,830 |
| Noninterest income to average assets | 0.4625% | 2,780 |
| Noninterest expense to average assets | 2.1146% | 3,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0398% | 2,670 |
| Return on assets (ROA) | 1.0398% | 2,753 |
| Pretax return on assets | 1.0398% | 3,257 |
| Return on Equity (ROE) | 12.9134% | 1,693 |
| Retained earnings to average equity (ytd only) | 12.9134% | 931 |
| Net charge-offs to loans | -0.0065% | 3,499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0374% | 2,076 |
| Assets per employee ($millions) | 5.1496% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 1,622 |
| Loan loss allowance to noncurrent loans | 214.1553% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 2,505 |
| Noncurrent loans to loans | 0.6984% | 1,847 |
| Net loans and leases to total assets | 46.1382% | 3,949 |
| Net loans and leases to deposits | 50.0799% | 4,152 |
| Net loans and leases to core deposits | 51.0348% | 4,242 |
| Total domestic deposits to total assets | 92.1293% | 121 |
| Equity capital to assets | 7.5495% | 4,693 |
| Core capital (leverage) ratio | 8.1224% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7454% | 963 |
| Memoranda: | ||
| Average total assets | $125,412,000 | 3,797 |
| Average earning assets | $121,878,500 | 3,721 |
| Average equity | $10,098,000 | 4,207 |
| Average total loans | $61,205,000 | 3,895 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6983% | 3,580 |
| Cost of funding earning assets | 0.3094% | 4,090 |
| Net interest margin | 3.3889% | 2,816 |
| Noninterest income to average assets | 0.4985% | 2,641 |
| Noninterest expense to average assets | 2.2929% | 3,419 |
| Loan and lease loss provision to assets | 0.0028% | 4,301 |
| Net operating income to assets | 1.4779% | 858 |
| Return on assets (ROA) | 1.4779% | 930 |
| Pretax return on assets | 1.4788% | 1,412 |
| Return on Equity (ROE) | 16.9500% | 418 |
| Retained earnings to average equity (ytd only) | 11.4871% | 381 |
| Net charge-offs to loans | 0.0341% | 2,364 |
| Credit loss provision to net charge-offs | 15.0000% | 3,245 |
| Earnings coverage of net charge-offs (x) | 80.2500% | 893 |
| Efficiency ratio | 60.7483% | 3,355 |
| Assets per employee ($millions) | 4.8723% | 3,528 |
| Cash dividends to net income (ytd only)* | 32.2299% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 1,373 |
| Loan loss allowance to noncurrent loans | 207.7605% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 2,439 |
| Noncurrent loans to loans | 0.7555% | 1,815 |
| Net loans and leases to total assets | 50.2510% | 3,809 |
| Net loans and leases to deposits | 55.2011% | 4,056 |
| Net loans and leases to core deposits | 56.4223% | 4,132 |
| Total domestic deposits to total assets | 91.0326% | 219 |
| Equity capital to assets | 8.6270% | 4,354 |
| Core capital (leverage) ratio | 8.1111% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0138% | 901 |
| Memoranda: | ||
| Average total assets | $108,332,200 | 3,896 |
| Average earning assets | $104,725,000 | 3,836 |
| Average equity | $9,445,400 | 4,260 |
| Average total loans | $58,574,200 | 3,946 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6926% | 3,814 |
| Cost of funding earning assets | 0.3378% | 4,113 |
| Net interest margin | 3.3548% | 3,031 |
| Noninterest income to average assets | 0.5098% | 2,567 |
| Noninterest expense to average assets | 2.2678% | 3,506 |
| Loan and lease loss provision to assets | 0.0028% | 4,224 |
| Net operating income to assets | 1.4804% | 942 |
| Return on assets (ROA) | 1.4804% | 1,027 |
| Pretax return on assets | 1.4817% | 1,484 |
| Return on Equity (ROE) | 16.9306% | 455 |
| Retained earnings to average equity (ytd only) | 9.5208% | 864 |
| Net charge-offs to loans | 0.0457% | 1,967 |
| Credit loss provision to net charge-offs | 10.0000% | 2,997 |
| Earnings coverage of net charge-offs (x) | 59.1000% | 1,108 |
| Efficiency ratio | 60.4418% | 3,323 |
| Assets per employee ($millions) | 4.7639% | 3,522 |
| Cash dividends to net income (ytd only)* | 43.7659% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 1,272 |
| Loan loss allowance to noncurrent loans | 156.0000% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 2,128 |
| Noncurrent loans to loans | 0.9863% | 1,519 |
| Net loans and leases to total assets | 52.3860% | 3,939 |
| Net loans and leases to deposits | 57.5167% | 4,186 |
| Net loans and leases to core deposits | 58.6711% | 4,271 |
| Total domestic deposits to total assets | 91.0796% | 156 |
| Equity capital to assets | 8.5198% | 4,450 |
| Core capital (leverage) ratio | 8.1690% | 4,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3555% | 996 |
| Memoranda: | ||
| Average total assets | $106,181,500 | 3,916 |
| Average earning assets | $102,618,000 | 3,859 |
| Average equity | $9,284,750 | 4,292 |
| Average total loans | $58,293,250 | 3,970 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8095% | 3,840 |
| Cost of funding earning assets | 0.3827% | 4,112 |
| Net interest margin | 3.4267% | 3,016 |
| Noninterest income to average assets | 0.5239% | 2,468 |
| Noninterest expense to average assets | 2.2907% | 3,543 |
| Loan and lease loss provision to assets | 0.0019% | 4,127 |
| Net operating income to assets | 1.5348% | 871 |
| Return on assets (ROA) | 1.5348% | 946 |
| Pretax return on assets | 1.5368% | 1,375 |
| Return on Equity (ROE) | 17.3881% | 414 |
| Retained earnings to average equity (ytd only) | 10.5555% | 680 |
| Net charge-offs to loans | 0.0696% | 1,553 |
| Credit loss provision to net charge-offs | 5.0000% | 2,758 |
| Earnings coverage of net charge-offs (x) | 39.8000% | 1,254 |
| Efficiency ratio | 59.8183% | 3,432 |
| Assets per employee ($millions) | 4.6043% | 3,647 |
| Cash dividends to net income (ytd only)* | 39.2947% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,102 |
| Loan loss allowance to noncurrent loans | 169.6915% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 2,341 |
| Noncurrent loans to loans | 0.9198% | 1,676 |
| Net loans and leases to total assets | 53.3637% | 3,930 |
| Net loans and leases to deposits | 58.7027% | 4,180 |
| Net loans and leases to core deposits | 59.9220% | 4,266 |
| Total domestic deposits to total assets | 90.9051% | 166 |
| Equity capital to assets | 8.6958% | 4,355 |
| Core capital (leverage) ratio | 8.4349% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2573% | 1,009 |
| Memoranda: | ||
| Average total assets | $103,464,000 | 3,949 |
| Average earning assets | $99,804,333 | 3,883 |
| Average equity | $9,132,667 | 4,325 |
| Average total loans | $57,447,333 | 3,991 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0251% | 3,718 |
| Cost of funding earning assets | 0.4745% | 4,049 |
| Net interest margin | 3.5506% | 2,818 |
| Noninterest income to average assets | 0.6123% | 1,984 |
| Noninterest expense to average assets | 2.5174% | 3,226 |
| Loan and lease loss provision to assets | 0.0080% | 3,660 |
| Net operating income to assets | 1.4968% | 791 |
| Return on assets (ROA) | 1.4968% | 868 |
| Pretax return on assets | 1.5008% | 1,302 |
| Return on Equity (ROE) | 16.8194% | 352 |
| Retained earnings to average equity (ytd only) | 2.7882% | 3,163 |
| Net charge-offs to loans | 0.1921% | 708 |
| Credit loss provision to net charge-offs | 3.7037% | 2,244 |
| Earnings coverage of net charge-offs (x) | 13.9630% | 1,624 |
| Efficiency ratio | 62.5249% | 3,434 |
| Assets per employee ($millions) | 3.6996% | 4,282 |
| Cash dividends to net income (ytd only)* | 83.4225% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 970 |
| Loan loss allowance to noncurrent loans | 232.5815% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4295% | 2,755 |
| Noncurrent loans to loans | 0.7066% | 2,235 |
| Net loans and leases to total assets | 55.5977% | 3,868 |
| Net loans and leases to deposits | 61.3746% | 4,135 |
| Net loans and leases to core deposits | 62.7916% | 4,245 |
| Total domestic deposits to total assets | 90.5876% | 173 |
| Equity capital to assets | 9.0060% | 4,595 |
| Core capital (leverage) ratio | 8.5849% | 4,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6932% | 1,030 |
| Memoranda: | ||
| Average total assets | $99,945,000 | 3,994 |
| Average earning assets | $96,096,500 | 3,925 |
| Average equity | $8,894,500 | 4,379 |
| Average total loans | $56,219,500 | 4,025 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0875% | 4,067 |
| Cost of funding earning assets | 0.5879% | 3,687 |
| Net interest margin | 3.4996% | 3,449 |
| Noninterest income to average assets | 0.5998% | 2,221 |
| Noninterest expense to average assets | 2.5309% | 3,366 |
| Loan and lease loss provision to assets | 0.0030% | 3,941 |
| Net operating income to assets | 1.4189% | 1,280 |
| Return on assets (ROA) | 1.4189% | 1,354 |
| Pretax return on assets | 1.4229% | 2,074 |
| Return on Equity (ROE) | 16.0839% | 529 |
| Retained earnings to average equity (ytd only) | -4.6309% | 4,969 |
| Net charge-offs to loans | 0.0149% | 3,174 |
| Credit loss provision to net charge-offs | 37.5000% | 3,223 |
| Earnings coverage of net charge-offs (x) | 178.8750% | 429 |
| Efficiency ratio | 63.9637% | 3,077 |
| Assets per employee ($millions) | 3.7037% | 4,266 |
| Cash dividends to net income (ytd only)* | 128.7921% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 788 |
| Loan loss allowance to noncurrent loans | 267.9775% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 2,975 |
| Noncurrent loans to loans | 0.6360% | 2,296 |
| Net loans and leases to total assets | 55.0204% | 3,999 |
| Net loans and leases to deposits | 60.6085% | 4,261 |
| Net loans and leases to core deposits | 62.5054% | 4,340 |
| Total domestic deposits to total assets | 90.7801% | 152 |
| Equity capital to assets | 8.7929% | 4,790 |
| Core capital (leverage) ratio | 8.6006% | 4,784 |
| Tier 1 risk-based capital ratio | 17.1375% | 2,015 |
| Total risk-based capital ratio | 18.3960% | 1,944 |
| Memoranda: | ||
| Average total assets | $100,359,800 | 3,996 |
| Average earning assets | $96,268,000 | 3,937 |
| Average equity | $8,853,600 | 4,399 |
| Average total loans | $53,529,600 | 4,110 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 4,197 |
| Cost of funding earning assets | 0.6194% | 3,588 |
| Net interest margin | 3.4604% | 3,696 |
| Noninterest income to average assets | 0.5973% | 2,215 |
| Noninterest expense to average assets | 2.4741% | 3,508 |
| Loan and lease loss provision to assets | 0.0040% | 3,786 |
| Net operating income to assets | 1.4362% | 1,369 |
| Return on assets (ROA) | 1.4362% | 1,422 |
| Pretax return on assets | 1.4415% | 2,149 |
| Return on Equity (ROE) | 16.2664% | 572 |
| Retained earnings to average equity (ytd only) | -8.6895% | 5,132 |
| Net charge-offs to loans | 0.0151% | 2,857 |
| Credit loss provision to net charge-offs | 50.0000% | 2,792 |
| Earnings coverage of net charge-offs (x) | 181.4950% | 470 |
| Efficiency ratio | 63.1222% | 3,141 |
| Assets per employee ($millions) | 3.5270% | 4,473 |
| Cash dividends to net income (ytd only)* | 153.4198% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7490% | 744 |
| Loan loss allowance to noncurrent loans | 266.2953% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 3,047 |
| Noncurrent loans to loans | 0.6568% | 2,315 |
| Net loans and leases to total assets | 54.3789% | 4,152 |
| Net loans and leases to deposits | 59.8876% | 4,389 |
| Net loans and leases to core deposits | 61.6065% | 4,472 |
| Total domestic deposits to total assets | 90.8017% | 124 |
| Equity capital to assets | 8.7153% | 4,917 |
| Core capital (leverage) ratio | 8.4933% | 4,950 |
| Tier 1 risk-based capital ratio | 16.8419% | 2,136 |
| Total risk-based capital ratio | 18.1013% | 2,078 |
| Memoranda: | ||
| Average total assets | $100,449,500 | 4,038 |
| Average earning assets | $96,440,500 | 3,974 |
| Average equity | $8,868,750 | 4,441 |
| Average total loans | $52,918,250 | 4,172 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0391% | 4,301 |
| Cost of funding earning assets | 0.6584% | 3,362 |
| Net interest margin | 3.3806% | 3,954 |
| Noninterest income to average assets | 0.5821% | 2,236 |
| Noninterest expense to average assets | 2.4314% | 3,651 |
| Loan and lease loss provision to assets | 0.0059% | 3,611 |
| Net operating income to assets | 1.3899% | 1,459 |
| Return on assets (ROA) | 1.3899% | 1,517 |
| Pretax return on assets | 1.3978% | 2,217 |
| Return on Equity (ROE) | 15.6766% | 647 |
| Retained earnings to average equity (ytd only) | -2.2555% | 4,929 |
| Net charge-offs to loans | 0.0153% | 2,592 |
| Credit loss provision to net charge-offs | 75.0000% | 2,272 |
| Earnings coverage of net charge-offs (x) | 177.2500% | 426 |
| Efficiency ratio | 63.3970% | 3,229 |
| Assets per employee ($millions) | 3.8104% | 4,111 |
| Cash dividends to net income (ytd only)* | 114.3875% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7721% | 716 |
| Loan loss allowance to noncurrent loans | 375.6863% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 3,582 |
| Noncurrent loans to loans | 0.4717% | 2,867 |
| Net loans and leases to total assets | 51.6154% | 4,376 |
| Net loans and leases to deposits | 56.8816% | 4,561 |
| Net loans and leases to core deposits | 58.4436% | 4,626 |
| Total domestic deposits to total assets | 90.7418% | 143 |
| Equity capital to assets | 8.8276% | 4,889 |
| Core capital (leverage) ratio | 8.6020% | 4,908 |
| Tier 1 risk-based capital ratio | 18.0666% | 1,790 |
| Total risk-based capital ratio | 19.3262% | 1,741 |
| Memoranda: | ||
| Average total assets | $101,013,670 | 4,049 |
| Average earning assets | $97,201,000 | 3,987 |
| Average equity | $8,956,000 | 4,445 |
| Average total loans | $52,338,000 | 4,209 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 4,500 |
| Cost of funding earning assets | 0.6325% | 3,392 |
| Net interest margin | 3.2997% | 4,164 |
| Noninterest income to average assets | 0.5795% | 2,144 |
| Noninterest expense to average assets | 2.5620% | 3,329 |
| Loan and lease loss provision to assets | 0.0120% | 3,278 |
| Net operating income to assets | 1.1591% | 2,221 |
| Return on assets (ROA) | 1.1591% | 2,277 |
| Pretax return on assets | 1.1751% | 2,896 |
| Return on Equity (ROE) | 13.0440% | 1,204 |
| Retained earnings to average equity (ytd only) | 13.0440% | 457 |
| Net charge-offs to loans | 0.0078% | 2,416 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 297.0000% | 274 |
| Efficiency ratio | 68.3369% | 2,596 |
| Assets per employee ($millions) | 3.6993% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8758% | 615 |
| Loan loss allowance to noncurrent loans | 382.8685% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 3,609 |
| Noncurrent loans to loans | 0.4899% | 2,845 |
| Net loans and leases to total assets | 50.3314% | 4,445 |
| Net loans and leases to deposits | 55.6921% | 4,612 |
| Net loans and leases to core deposits | 57.2745% | 4,666 |
| Total domestic deposits to total assets | 90.3744% | 325 |
| Equity capital to assets | 9.2201% | 4,509 |
| Core capital (leverage) ratio | 9.2240% | 4,442 |
| Tier 1 risk-based capital ratio | 20.0715% | 1,329 |
| Total risk-based capital ratio | 21.3308% | 1,295 |
| Memoranda: | ||
| Average total assets | $100,079,500 | 4,108 |
| Average earning assets | $96,129,500 | 4,043 |
| Average equity | $8,893,000 | 4,478 |
| Average total loans | $51,476,500 | 4,273 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7919% | 4,502 |
| Cost of funding earning assets | 0.3886% | 4,056 |
| Net interest margin | 3.4033% | 3,992 |
| Noninterest income to average assets | 0.6563% | 2,027 |
| Noninterest expense to average assets | 2.5441% | 3,492 |
| Loan and lease loss provision to assets | 0.0145% | 3,854 |
| Net operating income to assets | 1.3530% | 1,607 |
| Return on assets (ROA) | 1.3530% | 1,592 |
| Pretax return on assets | 1.3624% | 2,265 |
| Return on Equity (ROE) | 16.2432% | 581 |
| Retained earnings to average equity (ytd only) | 12.9896% | 236 |
| Net charge-offs to loans | 0.0239% | 2,928 |
| Credit loss provision to net charge-offs | 116.6667% | 2,220 |
| Earnings coverage of net charge-offs (x) | 110.5000% | 688 |
| Efficiency ratio | 64.8835% | 3,047 |
| Assets per employee ($millions) | 3.7140% | 4,298 |
| Cash dividends to net income (ytd only)* | 20.0307% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8542% | 616 |
| Loan loss allowance to noncurrent loans | 249.0909% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 3,023 |
| Noncurrent loans to loans | 0.7444% | 2,136 |
| Net loans and leases to total assets | 50.6208% | 4,481 |
| Net loans and leases to deposits | 55.5730% | 4,681 |
| Net loans and leases to core deposits | 57.1290% | 4,737 |
| Total domestic deposits to total assets | 91.0889% | 181 |
| Equity capital to assets | 8.5531% | 4,894 |
| Core capital (leverage) ratio | 9.0980% | 4,561 |
| Tier 1 risk-based capital ratio | 18.8057% | 1,547 |
| Total risk-based capital ratio | 20.0662% | 1,512 |
| Memoranda: | ||
| Average total assets | $96,302,600 | 4,163 |
| Average earning assets | $92,380,200 | 4,095 |
| Average equity | $8,021,800 | 4,602 |
| Average total loans | $50,176,200 | 4,314 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 4,618 |
| Cost of funding earning assets | 0.3452% | 4,218 |
| Net interest margin | 3.3730% | 4,089 |
| Noninterest income to average assets | 0.6659% | 1,997 |
| Noninterest expense to average assets | 2.5069% | 3,572 |
| Loan and lease loss provision to assets | 0.0098% | 3,795 |
| Net operating income to assets | 1.3877% | 1,533 |
| Return on assets (ROA) | 1.3877% | 1,533 |
| Pretax return on assets | 1.3891% | 2,271 |
| Return on Equity (ROE) | 16.7783% | 573 |
| Retained earnings to average equity (ytd only) | 12.3638% | 434 |
| Net charge-offs to loans | 0.0187% | 2,770 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 142.9046% | 568 |
| Efficiency ratio | 64.1834% | 3,154 |
| Assets per employee ($millions) | 3.6620% | 4,360 |
| Cash dividends to net income (ytd only)* | 26.3105% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9364% | 550 |
| Loan loss allowance to noncurrent loans | 167.3077% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 2,445 |
| Noncurrent loans to loans | 1.1574% | 1,461 |
| Net loans and leases to total assets | 49.0174% | 4,663 |
| Net loans and leases to deposits | 53.5637% | 4,835 |
| Net loans and leases to core deposits | 55.0782% | 4,872 |
| Total domestic deposits to total assets | 91.5123% | 131 |
| Equity capital to assets | 8.0942% | 5,137 |
| Core capital (leverage) ratio | 8.9853% | 4,720 |
| Tier 1 risk-based capital ratio | 19.2804% | 1,478 |
| Total risk-based capital ratio | 20.5410% | 1,445 |
| Memoranda: | ||
| Average total assets | $95,308,500 | 4,222 |
| Average earning assets | $91,548,250 | 4,152 |
| Average equity | $7,883,000 | 4,672 |
| Average total loans | $49,790,000 | 4,368 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7135% | 4,552 |
| Cost of funding earning assets | 0.3277% | 4,219 |
| Net interest margin | 3.3858% | 3,997 |
| Noninterest income to average assets | 0.6630% | 2,037 |
| Noninterest expense to average assets | 2.4628% | 3,738 |
| Loan and lease loss provision to assets | 0.0064% | 3,711 |
| Net operating income to assets | 1.4556% | 1,261 |
| Return on assets (ROA) | 1.4556% | 1,261 |
| Pretax return on assets | 1.4428% | 2,009 |
| Return on Equity (ROE) | 17.4678% | 480 |
| Retained earnings to average equity (ytd only) | 16.1673% | 152 |
| Net charge-offs to loans | 0.0160% | 2,604 |
| Credit loss provision to net charge-offs | 75.0000% | 2,304 |
| Earnings coverage of net charge-offs (x) | 170.5000% | 472 |
| Efficiency ratio | 62.9549% | 3,489 |
| Assets per employee ($millions) | 3.5131% | 4,575 |
| Cash dividends to net income (ytd only)* | 7.4453% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9211% | 610 |
| Loan loss allowance to noncurrent loans | 197.5207% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 2,715 |
| Noncurrent loans to loans | 0.9726% | 1,792 |
| Net loans and leases to total assets | 51.4554% | 4,511 |
| Net loans and leases to deposits | 56.4672% | 4,725 |
| Net loans and leases to core deposits | 58.1380% | 4,789 |
| Total domestic deposits to total assets | 91.1243% | 219 |
| Equity capital to assets | 8.4940% | 4,943 |
| Core capital (leverage) ratio | 9.1097% | 4,573 |
| Tier 1 risk-based capital ratio | 19.0624% | 1,537 |
| Total risk-based capital ratio | 20.3228% | 1,500 |
| Memoranda: | ||
| Average total assets | $94,120,330 | 4,276 |
| Average earning assets | $90,319,000 | 4,220 |
| Average equity | $7,843,000 | 4,722 |
| Average total loans | $49,912,670 | 4,405 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6809% | 4,510 |
| Cost of funding earning assets | 0.3027% | 4,333 |
| Net interest margin | 3.3782% | 3,954 |
| Noninterest income to average assets | 0.6442% | 2,060 |
| Noninterest expense to average assets | 2.5471% | 3,502 |
| Loan and lease loss provision to assets | 0.0085% | 3,405 |
| Net operating income to assets | 1.3824% | 1,391 |
| Return on assets (ROA) | 1.3824% | 1,407 |
| Pretax return on assets | 1.3269% | 2,262 |
| Return on Equity (ROE) | 16.7528% | 533 |
| Retained earnings to average equity (ytd only) | 16.7528% | 201 |
| Net charge-offs to loans | 0.0320% | 1,859 |
| Credit loss provision to net charge-offs | 50.0000% | 1,944 |
| Earnings coverage of net charge-offs (x) | 78.2500% | 714 |
| Efficiency ratio | 65.6044% | 3,236 |
| Assets per employee ($millions) | 3.6327% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9361% | 620 |
| Loan loss allowance to noncurrent loans | 187.2549% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 2,725 |
| Noncurrent loans to loans | 1.0340% | 1,772 |
| Net loans and leases to total assets | 51.2128% | 4,484 |
| Net loans and leases to deposits | 56.0344% | 4,688 |
| Net loans and leases to core deposits | 57.6946% | 4,767 |
| Total domestic deposits to total assets | 91.3954% | 208 |
| Equity capital to assets | 8.2521% | 5,142 |
| Core capital (leverage) ratio | 7.9588% | 5,403 |
| Tier 1 risk-based capital ratio | 16.6734% | 2,218 |
| Total risk-based capital ratio | 17.9334% | 2,163 |
| Memoranda: | ||
| Average total assets | $93,753,000 | 4,332 |
| Average earning assets | $89,869,500 | 4,271 |
| Average equity | $7,736,000 | 4,791 |
| Average total loans | $49,987,000 | 4,445 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6208% | 4,532 |
| Cost of funding earning assets | 0.2038% | 4,920 |
| Net interest margin | 3.4170% | 3,801 |
| Noninterest income to average assets | 0.5586% | 2,662 |
| Noninterest expense to average assets | 2.5891% | 3,479 |
| Loan and lease loss provision to assets | 0.0022% | 4,199 |
| Net operating income to assets | 1.2196% | 1,453 |
| Return on assets (ROA) | 1.2185% | 1,482 |
| Pretax return on assets | 1.2362% | 2,606 |
| Return on Equity (ROE) | 14.5937% | 676 |
| Retained earnings to average equity (ytd only) | 5.4232% | 1,856 |
| Net charge-offs to loans | 0.0041% | 3,953 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 562.5000% | 155 |
| Efficiency ratio | 67.6259% | 2,975 |
| Assets per employee ($millions) | 3.7223% | 4,397 |
| Cash dividends to net income (ytd only)* | 62.8391% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8895% | 659 |
| Loan loss allowance to noncurrent loans | 239.2500% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 3,148 |
| Noncurrent loans to loans | 0.7897% | 2,239 |
| Net loans and leases to total assets | 53.3995% | 4,407 |
| Net loans and leases to deposits | 58.4179% | 4,668 |
| Net loans and leases to core deposits | 60.1729% | 4,751 |
| Total domestic deposits to total assets | 91.4096% | 152 |
| Equity capital to assets | 8.2509% | 5,278 |
| Core capital (leverage) ratio | 8.6606% | 4,987 |
| Tier 1 risk-based capital ratio | 17.2070% | 2,025 |
| Total risk-based capital ratio | 18.4668% | 1,977 |
| Memoranda: | ||
| Average total assets | $90,764,800 | 4,413 |
| Average earning assets | $86,859,000 | 4,350 |
| Average equity | $7,578,600 | 4,845 |
| Average total loans | $48,431,200 | 4,501 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5713% | 4,632 |
| Cost of funding earning assets | 0.1978% | 4,997 |
| Net interest margin | 3.3734% | 3,934 |
| Noninterest income to average assets | 0.6209% | 2,358 |
| Noninterest expense to average assets | 2.5693% | 3,501 |
| Loan and lease loss provision to assets | 0.0030% | 4,048 |
| Net operating income to assets | 1.2551% | 1,492 |
| Return on assets (ROA) | 1.2551% | 1,518 |
| Pretax return on assets | 1.2758% | 2,605 |
| Return on Equity (ROE) | 14.9855% | 652 |
| Retained earnings to average equity (ytd only) | 3.0889% | 4,070 |
| Net charge-offs to loans | 0.0028% | 3,653 |
| Credit loss provision to net charge-offs | 200.0000% | 1,340 |
| Earnings coverage of net charge-offs (x) | 867.1429% | 117 |
| Efficiency ratio | 66.7691% | 3,088 |
| Assets per employee ($millions) | 3.3021% | 4,964 |
| Cash dividends to net income (ytd only)* | 79.3873% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9182% | 676 |
| Loan loss allowance to noncurrent loans | 170.4626% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 2,393 |
| Noncurrent loans to loans | 1.1253% | 1,713 |
| Net loans and leases to total assets | 52.9792% | 4,495 |
| Net loans and leases to deposits | 58.0709% | 4,750 |
| Net loans and leases to core deposits | 59.8307% | 4,826 |
| Total domestic deposits to total assets | 91.2318% | 139 |
| Equity capital to assets | 8.3691% | 5,361 |
| Core capital (leverage) ratio | 8.4109% | 5,314 |
| Tier 1 risk-based capital ratio | 16.8622% | 2,196 |
| Total risk-based capital ratio | 18.1237% | 2,150 |
| Memoranda: | ||
| Average total assets | $90,191,750 | 4,465 |
| Average earning assets | $86,279,500 | 4,400 |
| Average equity | $7,553,750 | 4,900 |
| Average total loans | $47,876,750 | 4,561 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5332% | 4,675 |
| Cost of funding earning assets | 0.1866% | 5,094 |
| Net interest margin | 3.3466% | 3,962 |
| Noninterest income to average assets | 0.6261% | 2,341 |
| Noninterest expense to average assets | 2.5404% | 3,617 |
| Loan and lease loss provision to assets | 0.0045% | 3,816 |
| Net operating income to assets | 1.2679% | 1,384 |
| Return on assets (ROA) | 1.2679% | 1,413 |
| Pretax return on assets | 1.2903% | 2,425 |
| Return on Equity (ROE) | 15.1355% | 637 |
| Retained earnings to average equity (ytd only) | 2.1622% | 4,384 |
| Net charge-offs to loans | 0.0042% | 3,339 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 579.0000% | 142 |
| Efficiency ratio | 66.2391% | 3,311 |
| Assets per employee ($millions) | 3.3019% | 4,981 |
| Cash dividends to net income (ytd only)* | 85.7143% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9850% | 619 |
| Loan loss allowance to noncurrent loans | 182.4762% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6898% | 2,487 |
| Noncurrent loans to loans | 1.0878% | 1,803 |
| Net loans and leases to total assets | 53.0611% | 4,481 |
| Net loans and leases to deposits | 58.2962% | 4,736 |
| Net loans and leases to core deposits | 60.1325% | 4,813 |
| Total domestic deposits to total assets | 91.0198% | 216 |
| Equity capital to assets | 8.5966% | 5,230 |
| Core capital (leverage) ratio | 8.3799% | 5,298 |
| Tier 1 risk-based capital ratio | 17.1575% | 2,114 |
| Total risk-based capital ratio | 18.4185% | 2,057 |
| Memoranda: | ||
| Average total assets | $89,436,000 | 4,505 |
| Average earning assets | $85,758,330 | 4,437 |
| Average equity | $7,492,330 | 4,930 |
| Average total loans | $47,188,330 | 4,604 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4620% | 4,795 |
| Cost of funding earning assets | 0.1673% | 5,251 |
| Net interest margin | 3.2947% | 4,024 |
| Noninterest income to average assets | 0.6296% | 2,272 |
| Noninterest expense to average assets | 2.5676% | 3,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1967% | 1,510 |
| Return on assets (ROA) | 1.1967% | 1,549 |
| Pretax return on assets | 1.2280% | 2,483 |
| Return on Equity (ROE) | 14.4738% | 732 |
| Retained earnings to average equity (ytd only) | 14.4738% | 270 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6471% | 3,259 |
| Assets per employee ($millions) | 3.3401% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0402% | 621 |
| Loan loss allowance to noncurrent loans | 205.8065% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 2,792 |
| Noncurrent loans to loans | 0.9913% | 2,064 |
| Net loans and leases to total assets | 50.9514% | 4,595 |
| Net loans and leases to deposits | 55.8459% | 4,824 |
| Net loans and leases to core deposits | 57.5800% | 4,898 |
| Total domestic deposits to total assets | 91.2357% | 231 |
| Equity capital to assets | 8.4117% | 5,298 |
| Core capital (leverage) ratio | 8.5577% | 5,188 |
| Tier 1 risk-based capital ratio | 18.2017% | 1,803 |
| Total risk-based capital ratio | 19.4650% | 1,773 |
| Memoranda: | ||
| Average total assets | $89,578,000 | 4,546 |
| Average earning assets | $86,078,500 | 4,476 |
| Average equity | $7,406,500 | 4,985 |
| Average total loans | $46,651,000 | 4,660 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3930% | 4,996 |
| Cost of funding earning assets | 0.1845% | 5,164 |
| Net interest margin | 3.2085% | 4,431 |
| Noninterest income to average assets | 0.5398% | 2,977 |
| Noninterest expense to average assets | 2.6445% | 3,544 |
| Loan and lease loss provision to assets | 0.0068% | 4,225 |
| Net operating income to assets | 0.9453% | 2,605 |
| Return on assets (ROA) | 0.9453% | 2,712 |
| Pretax return on assets | 0.9578% | 3,628 |
| Return on Equity (ROE) | 11.2372% | 1,491 |
| Retained earnings to average equity (ytd only) | 7.8931% | 887 |
| Net charge-offs to loans | 0.1242% | 2,014 |
| Credit loss provision to net charge-offs | 10.9091% | 3,737 |
| Earnings coverage of net charge-offs (x) | 15.4000% | 2,201 |
| Efficiency ratio | 73.2723% | 2,378 |
| Assets per employee ($millions) | 3.2953% | 5,049 |
| Cash dividends to net income (ytd only)* | 29.7590% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0627% | 586 |
| Loan loss allowance to noncurrent loans | 198.5477% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6429% | 2,798 |
| Noncurrent loans to loans | 1.0389% | 2,002 |
| Net loans and leases to total assets | 51.0700% | 4,682 |
| Net loans and leases to deposits | 55.8543% | 4,917 |
| Net loans and leases to core deposits | 58.0032% | 4,964 |
| Total domestic deposits to total assets | 91.4344% | 174 |
| Equity capital to assets | 8.1228% | 5,505 |
| Core capital (leverage) ratio | 8.3429% | 5,405 |
| Tier 1 risk-based capital ratio | 17.4114% | 2,031 |
| Total risk-based capital ratio | 18.6724% | 1,988 |
| Memoranda: | ||
| Average total assets | $87,805,200 | 4,586 |
| Average earning assets | $83,996,600 | 4,517 |
| Average equity | $7,386,200 | 5,027 |
| Average total loans | $44,292,600 | 4,742 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3728% | 5,077 |
| Cost of funding earning assets | 0.1928% | 5,142 |
| Net interest margin | 3.1800% | 4,540 |
| Noninterest income to average assets | 0.5150% | 3,151 |
| Noninterest expense to average assets | 2.6403% | 3,538 |
| Loan and lease loss provision to assets | 0.0031% | 4,156 |
| Net operating income to assets | 0.8974% | 2,921 |
| Return on assets (ROA) | 0.8974% | 3,059 |
| Pretax return on assets | 0.9126% | 3,936 |
| Return on Equity (ROE) | 10.5751% | 1,843 |
| Retained earnings to average equity (ytd only) | 6.1405% | 2,101 |
| Net charge-offs to loans | 0.0792% | 2,191 |
| Credit loss provision to net charge-offs | 7.6923% | 3,378 |
| Earnings coverage of net charge-offs (x) | 23.1125% | 1,722 |
| Efficiency ratio | 74.2502% | 2,237 |
| Assets per employee ($millions) | 3.1021% | 5,289 |
| Cash dividends to net income (ytd only)* | 41.9363% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2068% | 512 |
| Loan loss allowance to noncurrent loans | 319.8697% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 3,591 |
| Noncurrent loans to loans | 0.6899% | 2,967 |
| Net loans and leases to total assets | 50.1013% | 4,813 |
| Net loans and leases to deposits | 55.3342% | 5,035 |
| Net loans and leases to core deposits | 57.1314% | 5,093 |
| Total domestic deposits to total assets | 90.5432% | 310 |
| Equity capital to assets | 8.7430% | 5,370 |
| Core capital (leverage) ratio | 8.1812% | 5,587 |
| Tier 1 risk-based capital ratio | 17.8067% | 1,975 |
| Total risk-based capital ratio | 19.0704% | 1,932 |
| Memoranda: | ||
| Average total assets | $87,513,500 | 4,623 |
| Average earning assets | $83,686,500 | 4,560 |
| Average equity | $7,426,000 | 5,073 |
| Average total loans | $43,767,000 | 4,791 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3488% | 5,189 |
| Cost of funding earning assets | 0.1935% | 5,202 |
| Net interest margin | 3.1554% | 4,677 |
| Noninterest income to average assets | 0.5289% | 3,012 |
| Noninterest expense to average assets | 2.6421% | 3,564 |
| Loan and lease loss provision to assets | 0.0023% | 3,990 |
| Net operating income to assets | 0.8800% | 2,966 |
| Return on assets (ROA) | 0.8800% | 3,081 |
| Pretax return on assets | 0.8959% | 3,966 |
| Return on Equity (ROE) | 10.4749% | 1,859 |
| Retained earnings to average equity (ytd only) | 10.4749% | 511 |
| Net charge-offs to loans | 0.1103% | 1,728 |
| Credit loss provision to net charge-offs | 4.1667% | 3,031 |
| Earnings coverage of net charge-offs (x) | 16.4167% | 1,930 |
| Efficiency ratio | 74.6297% | 2,271 |
| Assets per employee ($millions) | 3.3264% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3021% | 465 |
| Loan loss allowance to noncurrent loans | 433.0396% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 2,715 |
| Noncurrent loans to loans | 0.5316% | 3,486 |
| Net loans and leases to total assets | 46.4492% | 5,100 |
| Net loans and leases to deposits | 51.6395% | 5,263 |
| Net loans and leases to core deposits | 53.2696% | 5,313 |
| Total domestic deposits to total assets | 89.9490% | 509 |
| Equity capital to assets | 8.6080% | 5,529 |
| Core capital (leverage) ratio | 8.1508% | 5,629 |
| Tier 1 risk-based capital ratio | 18.1322% | 1,895 |
| Total risk-based capital ratio | 19.3962% | 1,859 |
| Memoranda: | ||
| Average total assets | $87,732,000 | 4,660 |
| Average earning assets | $83,730,670 | 4,597 |
| Average equity | $7,370,000 | 5,128 |
| Average total loans | $43,523,000 | 4,844 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4122% | 5,098 |
| Cost of funding earning assets | 0.1931% | 5,261 |
| Net interest margin | 3.2192% | 4,514 |
| Noninterest income to average assets | 0.5306% | 2,928 |
| Noninterest expense to average assets | 2.4316% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1489% | 1,714 |
| Return on assets (ROA) | 1.1489% | 1,829 |
| Pretax return on assets | 1.1766% | 2,795 |
| Return on Equity (ROE) | 13.8535% | 863 |
| Retained earnings to average equity (ytd only) | 13.8535% | 329 |
| Net charge-offs to loans | 0.2094% | 961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.0870% | 1,884 |
| Efficiency ratio | 67.3913% | 3,562 |
| Assets per employee ($millions) | 3.4131% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2170% | 577 |
| Loan loss allowance to noncurrent loans | 431.1404% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7809% | 2,748 |
| Noncurrent loans to loans | 0.5142% | 3,641 |
| Net loans and leases to total assets | 48.8579% | 4,902 |
| Net loans and leases to deposits | 54.0416% | 5,099 |
| Net loans and leases to core deposits | 55.7589% | 5,142 |
| Total domestic deposits to total assets | 90.4080% | 460 |
| Equity capital to assets | 8.2949% | 5,698 |
| Core capital (leverage) ratio | 8.2719% | 5,593 |
| Tier 1 risk-based capital ratio | 17.5405% | 2,109 |
| Total risk-based capital ratio | 18.8039% | 2,076 |
| Memoranda: | ||
| Average total assets | $86,692,000 | 4,718 |
| Average earning assets | $82,878,500 | 4,649 |
| Average equity | $7,189,500 | 5,191 |
| Average total loans | $43,934,500 | 4,870 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4963% | 4,931 |
| Cost of funding earning assets | 0.2056% | 5,233 |
| Net interest margin | 3.2907% | 4,325 |
| Noninterest income to average assets | 0.5672% | 2,916 |
| Noninterest expense to average assets | 2.7504% | 3,409 |
| Loan and lease loss provision to assets | 0.0049% | 4,290 |
| Net operating income to assets | 0.9449% | 2,639 |
| Return on assets (ROA) | 0.9535% | 2,678 |
| Pretax return on assets | 0.9510% | 3,652 |
| Return on Equity (ROE) | 11.1697% | 1,556 |
| Retained earnings to average equity (ytd only) | 2.3342% | 4,396 |
| Net charge-offs to loans | 0.0559% | 3,098 |
| Credit loss provision to net charge-offs | 16.6667% | 3,773 |
| Earnings coverage of net charge-offs (x) | 32.2917% | 1,378 |
| Efficiency ratio | 74.3802% | 2,520 |
| Assets per employee ($millions) | 3.1349% | 5,373 |
| Cash dividends to net income (ytd only)* | 79.1026% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3111% | 504 |
| Loan loss allowance to noncurrent loans | 287.4286% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.9806% | 2,241 |
| Noncurrent loans to loans | 0.8041% | 2,776 |
| Net loans and leases to total assets | 50.2381% | 4,847 |
| Net loans and leases to deposits | 55.5595% | 5,073 |
| Net loans and leases to core deposits | 57.4115% | 5,135 |
| Total domestic deposits to total assets | 90.4221% | 463 |
| Equity capital to assets | 8.2913% | 5,711 |
| Core capital (leverage) ratio | 8.3586% | 5,563 |
| Tier 1 risk-based capital ratio | 17.2525% | 2,200 |
| Total risk-based capital ratio | 18.5178% | 2,151 |
| Memoranda: | ||
| Average total assets | $81,805,000 | 4,830 |
| Average earning assets | $77,824,400 | 4,769 |
| Average equity | $6,983,200 | 5,246 |
| Average total loans | $42,913,400 | 4,898 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5053% | 4,971 |
| Cost of funding earning assets | 0.2074% | 5,311 |
| Net interest margin | 3.2979% | 4,352 |
| Noninterest income to average assets | 0.5656% | 2,948 |
| Noninterest expense to average assets | 2.7062% | 3,543 |
| Loan and lease loss provision to assets | 0.0066% | 4,124 |
| Net operating income to assets | 0.9947% | 2,498 |
| Return on assets (ROA) | 1.0062% | 2,530 |
| Pretax return on assets | 1.0013% | 3,608 |
| Return on Equity (ROE) | 11.6995% | 1,461 |
| Retained earnings to average equity (ytd only) | 5.8688% | 2,326 |
| Net charge-offs to loans | 0.0779% | 2,436 |
| Credit loss provision to net charge-offs | 16.0000% | 3,393 |
| Earnings coverage of net charge-offs (x) | 24.2418% | 1,699 |
| Efficiency ratio | 73.0906% | 2,701 |
| Assets per employee ($millions) | 3.0353% | 5,506 |
| Cash dividends to net income (ytd only)* | 49.8370% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3236% | 555 |
| Loan loss allowance to noncurrent loans | 197.0588% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 1.2263% | 1,920 |
| Noncurrent loans to loans | 1.1791% | 2,173 |
| Net loans and leases to total assets | 51.5503% | 4,796 |
| Net loans and leases to deposits | 57.5588% | 5,027 |
| Net loans and leases to core deposits | 59.5615% | 5,096 |
| Total domestic deposits to total assets | 89.5611% | 748 |
| Equity capital to assets | 8.8209% | 5,471 |
| Core capital (leverage) ratio | 8.5280% | 5,531 |
| Tier 1 risk-based capital ratio | 17.7564% | 2,101 |
| Total risk-based capital ratio | 19.0216% | 2,061 |
| Memoranda: | ||
| Average total assets | $81,095,500 | 4,902 |
| Average earning assets | $77,138,000 | 4,841 |
| Average equity | $6,974,500 | 5,313 |
| Average total loans | $42,759,500 | 4,959 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4915% | 5,009 |
| Cost of funding earning assets | 0.2084% | 5,374 |
| Net interest margin | 3.2830% | 4,364 |
| Noninterest income to average assets | 0.5569% | 2,997 |
| Noninterest expense to average assets | 2.7868% | 3,287 |
| Loan and lease loss provision to assets | 0.0074% | 3,958 |
| Net operating income to assets | 0.8959% | 2,898 |
| Return on assets (ROA) | 0.8959% | 3,024 |
| Pretax return on assets | 0.8811% | 4,028 |
| Return on Equity (ROE) | 10.5085% | 1,849 |
| Retained earnings to average equity (ytd only) | 1.6547% | 4,870 |
| Net charge-offs to loans | 0.1127% | 1,877 |
| Credit loss provision to net charge-offs | 12.5000% | 3,080 |
| Earnings coverage of net charge-offs (x) | 14.9583% | 2,016 |
| Efficiency ratio | 75.8249% | 2,393 |
| Assets per employee ($millions) | 3.0269% | 5,564 |
| Cash dividends to net income (ytd only)* | 84.2541% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3762% | 567 |
| Loan loss allowance to noncurrent loans | 253.5354% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 1.1086% | 2,286 |
| Noncurrent loans to loans | 0.9372% | 2,785 |
| Net loans and leases to total assets | 50.4717% | 4,887 |
| Net loans and leases to deposits | 55.9765% | 5,119 |
| Net loans and leases to core deposits | 57.9147% | 5,201 |
| Total domestic deposits to total assets | 90.1658% | 589 |
| Equity capital to assets | 8.3634% | 5,786 |
| Core capital (leverage) ratio | 8.3970% | 5,639 |
| Tier 1 risk-based capital ratio | 18.0461% | 2,052 |
| Total risk-based capital ratio | 19.3129% | 2,002 |
| Memoranda: | ||
| Average total assets | $80,809,670 | 4,960 |
| Average earning assets | $76,758,330 | 4,897 |
| Average equity | $6,889,670 | 5,381 |
| Average total loans | $42,595,330 | 5,007 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4726% | 5,029 |
| Cost of funding earning assets | 0.2043% | 5,472 |
| Net interest margin | 3.2683% | 4,352 |
| Noninterest income to average assets | 0.5725% | 2,819 |
| Noninterest expense to average assets | 2.7330% | 3,473 |
| Loan and lease loss provision to assets | 0.0100% | 3,591 |
| Net operating income to assets | 0.9757% | 2,362 |
| Return on assets (ROA) | 0.9757% | 2,495 |
| Pretax return on assets | 0.9359% | 3,758 |
| Return on Equity (ROE) | 11.3344% | 1,542 |
| Retained earnings to average equity (ytd only) | 2.0818% | 4,630 |
| Net charge-offs to loans | 0.2806% | 859 |
| Credit loss provision to net charge-offs | 6.6667% | 2,450 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,307 |
| Efficiency ratio | 74.2896% | 2,770 |
| Assets per employee ($millions) | 2.9879% | 5,679 |
| Cash dividends to net income (ytd only)* | 81.6327% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3640% | 648 |
| Loan loss allowance to noncurrent loans | 196.4567% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 1.3734% | 1,926 |
| Noncurrent loans to loans | 1.2033% | 2,365 |
| Net loans and leases to total assets | 51.0933% | 4,738 |
| Net loans and leases to deposits | 56.8365% | 4,994 |
| Net loans and leases to core deposits | 58.8364% | 5,074 |
| Total domestic deposits to total assets | 89.8951% | 789 |
| Equity capital to assets | 8.6943% | 5,578 |
| Core capital (leverage) ratio | 8.4078% | 5,620 |
| Tier 1 risk-based capital ratio | 18.0739% | 2,115 |
| Total risk-based capital ratio | 19.3412% | 2,061 |
| Memoranda: | ||
| Average total assets | $80,352,000 | 5,016 |
| Average earning assets | $76,369,000 | 4,961 |
| Average equity | $6,917,000 | 5,419 |
| Average total loans | $42,767,000 | 5,032 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4892% | 5,341 |
| Cost of funding earning assets | 0.2208% | 5,587 |
| Net interest margin | 3.2684% | 4,689 |
| Noninterest income to average assets | 0.5104% | 3,428 |
| Noninterest expense to average assets | 2.6973% | 3,869 |
| Loan and lease loss provision to assets | 0.0123% | 4,375 |
| Net operating income to assets | 0.8954% | 2,898 |
| Return on assets (ROA) | 0.8979% | 2,974 |
| Pretax return on assets | 0.8979% | 3,914 |
| Return on Equity (ROE) | 10.4498% | 1,928 |
| Retained earnings to average equity (ytd only) | -6.3701% | 6,233 |
| Net charge-offs to loans | -0.1368% | 6,189 |
| Credit loss provision to net charge-offs | -17.5439% | 5,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8209% | 2,690 |
| Assets per employee ($millions) | 2.8582% | 5,880 |
| Cash dividends to net income (ytd only)* | 160.9589% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3686% | 649 |
| Loan loss allowance to noncurrent loans | 429.2887% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 1.0858% | 2,577 |
| Noncurrent loans to loans | 0.5517% | 4,009 |
| Net loans and leases to total assets | 52.8439% | 4,709 |
| Net loans and leases to deposits | 58.6381% | 5,013 |
| Net loans and leases to core deposits | 61.0136% | 5,066 |
| Total domestic deposits to total assets | 90.1187% | 687 |
| Equity capital to assets | 8.5218% | 5,735 |
| Core capital (leverage) ratio | 8.4008% | 5,659 |
| Tier 1 risk-based capital ratio | 14.2171% | 3,953 |
| Total risk-based capital ratio | 15.4794% | 3,880 |
| Memoranda: | ||
| Average total assets | $81,303,800 | 5,033 |
| Average earning assets | $76,980,400 | 4,956 |
| Average equity | $6,985,800 | 5,418 |
| Average total loans | $41,676,600 | 5,118 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4831% | 5,435 |
| Cost of funding earning assets | 0.2230% | 5,640 |
| Net interest margin | 3.2601% | 4,761 |
| Noninterest income to average assets | 0.4950% | 3,578 |
| Noninterest expense to average assets | 2.5728% | 4,279 |
| Loan and lease loss provision to assets | 0.0163% | 4,088 |
| Net operating income to assets | 0.9899% | 2,500 |
| Return on assets (ROA) | 0.9932% | 2,541 |
| Pretax return on assets | 0.9899% | 3,631 |
| Return on Equity (ROE) | 11.5358% | 1,615 |
| Retained earnings to average equity (ytd only) | -1.3281% | 6,007 |
| Net charge-offs to loans | -0.1971% | 6,306 |
| Credit loss provision to net charge-offs | -16.3934% | 5,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9507% | 3,188 |
| Assets per employee ($millions) | 2.9573% | 5,780 |
| Cash dividends to net income (ytd only)* | 111.5130% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5116% | 645 |
| Loan loss allowance to noncurrent loans | 407.1146% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 1.1397% | 2,672 |
| Noncurrent loans to loans | 0.6169% | 4,075 |
| Net loans and leases to total assets | 50.0689% | 5,000 |
| Net loans and leases to deposits | 55.9938% | 5,238 |
| Net loans and leases to core deposits | 57.9935% | 5,333 |
| Total domestic deposits to total assets | 89.4186% | 1,018 |
| Equity capital to assets | 8.9695% | 5,384 |
| Core capital (leverage) ratio | 8.7978% | 5,342 |
| Tier 1 risk-based capital ratio | 18.6703% | 1,997 |
| Total risk-based capital ratio | 19.9379% | 1,959 |
| Memoranda: | ||
| Average total assets | $81,622,250 | 5,074 |
| Average earning assets | $77,132,250 | 5,003 |
| Average equity | $7,027,250 | 5,455 |
| Average total loans | $41,266,500 | 5,181 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4539% | 5,506 |
| Cost of funding earning assets | 0.2217% | 5,732 |
| Net interest margin | 3.2323% | 4,834 |
| Noninterest income to average assets | 0.4890% | 3,560 |
| Noninterest expense to average assets | 2.5495% | 4,416 |
| Loan and lease loss provision to assets | 0.0097% | 4,041 |
| Net operating income to assets | 0.9974% | 2,332 |
| Return on assets (ROA) | 0.9974% | 2,401 |
| Pretax return on assets | 0.9804% | 3,554 |
| Return on Equity (ROE) | 11.7439% | 1,501 |
| Retained earnings to average equity (ytd only) | -7.6765% | 6,362 |
| Net charge-offs to loans | -0.2950% | 6,424 |
| Credit loss provision to net charge-offs | -6.5574% | 5,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0275% | 3,335 |
| Assets per employee ($millions) | 2.9381% | 5,846 |
| Cash dividends to net income (ytd only)* | 165.3659% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4912% | 718 |
| Loan loss allowance to noncurrent loans | 402.7559% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 1.5036% | 2,169 |
| Noncurrent loans to loans | 0.6185% | 4,167 |
| Net loans and leases to total assets | 48.6720% | 5,116 |
| Net loans and leases to deposits | 54.0780% | 5,350 |
| Net loans and leases to core deposits | 55.9357% | 5,421 |
| Total domestic deposits to total assets | 90.0033% | 811 |
| Equity capital to assets | 8.4809% | 5,816 |
| Core capital (leverage) ratio | 8.3740% | 5,769 |
| Tier 1 risk-based capital ratio | 17.7989% | 2,311 |
| Total risk-based capital ratio | 19.0653% | 2,276 |
| Memoranda: | ||
| Average total assets | $82,213,670 | 5,105 |
| Average earning assets | $77,592,330 | 5,030 |
| Average equity | $6,982,330 | 5,494 |
| Average total loans | $41,352,330 | 5,216 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 5,487 |
| Cost of funding earning assets | 0.2271% | 5,779 |
| Net interest margin | 3.2511% | 4,740 |
| Noninterest income to average assets | 0.4867% | 3,514 |
| Noninterest expense to average assets | 2.5503% | 4,446 |
| Loan and lease loss provision to assets | 0.0195% | 3,572 |
| Net operating income to assets | 1.0464% | 2,020 |
| Return on assets (ROA) | 1.0464% | 2,090 |
| Pretax return on assets | 0.9831% | 3,394 |
| Return on Equity (ROE) | 12.3121% | 1,340 |
| Retained earnings to average equity (ytd only) | -5.3257% | 6,145 |
| Net charge-offs to loans | -0.7422% | 6,605 |
| Credit loss provision to net charge-offs | -5.1948% | 4,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7808% | 3,527 |
| Assets per employee ($millions) | 3.0498% | 5,776 |
| Cash dividends to net income (ytd only)* | 143.2558% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5552% | 761 |
| Loan loss allowance to noncurrent loans | 367.4912% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 1.5629% | 2,258 |
| Noncurrent loans to loans | 0.6953% | 4,128 |
| Net loans and leases to total assets | 48.1644% | 5,106 |
| Net loans and leases to deposits | 53.4587% | 5,331 |
| Net loans and leases to core deposits | 55.2913% | 5,415 |
| Total domestic deposits to total assets | 90.0965% | 1,017 |
| Equity capital to assets | 8.4923% | 5,663 |
| Core capital (leverage) ratio | 8.5610% | 5,570 |
| Tier 1 risk-based capital ratio | 18.4336% | 2,141 |
| Total risk-based capital ratio | 19.7025% | 2,101 |
| Memoranda: | ||
| Average total assets | $82,187,000 | 5,155 |
| Average earning assets | $77,511,500 | 5,077 |
| Average equity | $6,985,000 | 5,526 |
| Average total loans | $41,496,500 | 5,258 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4474% | 5,738 |
| Cost of funding earning assets | 0.2680% | 5,847 |
| Net interest margin | 3.1793% | 5,061 |
| Noninterest income to average assets | 0.4300% | 4,234 |
| Noninterest expense to average assets | 2.5135% | 4,725 |
| Loan and lease loss provision to assets | 0.0783% | 3,544 |
| Net operating income to assets | 0.8286% | 3,141 |
| Return on assets (ROA) | 0.8298% | 3,220 |
| Pretax return on assets | 0.8250% | 4,053 |
| Return on Equity (ROE) | 9.9217% | 2,149 |
| Retained earnings to average equity (ytd only) | 4.9104% | 2,662 |
| Net charge-offs to loans | 0.0099% | 5,250 |
| Credit loss provision to net charge-offs | 1,625.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 187.2500% | 243 |
| Efficiency ratio | 73.5896% | 3,200 |
| Assets per employee ($millions) | 3.0381% | 5,775 |
| Cash dividends to net income (ytd only)* | 50.5080% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2676% | 1,086 |
| Loan loss allowance to noncurrent loans | 368.8462% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 1.5775% | 2,363 |
| Noncurrent loans to loans | 0.6148% | 4,441 |
| Net loans and leases to total assets | 50.3883% | 5,041 |
| Net loans and leases to deposits | 55.8970% | 5,311 |
| Net loans and leases to core deposits | 57.8173% | 5,407 |
| Total domestic deposits to total assets | 90.1449% | 1,010 |
| Equity capital to assets | 8.5055% | 5,575 |
| Core capital (leverage) ratio | 8.7995% | 5,278 |
| Tier 1 risk-based capital ratio | 17.7227% | 2,334 |
| Total risk-based capital ratio | 18.9859% | 2,304 |
| Memoranda: | ||
| Average total assets | $83,032,800 | 5,163 |
| Average earning assets | $77,972,200 | 5,090 |
| Average equity | $6,944,400 | 5,579 |
| Average total loans | $40,425,200 | 5,328 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4349% | 5,811 |
| Cost of funding earning assets | 0.2780% | 5,900 |
| Net interest margin | 3.1569% | 5,123 |
| Noninterest income to average assets | 0.4819% | 3,927 |
| Noninterest expense to average assets | 2.4494% | 4,877 |
| Loan and lease loss provision to assets | 0.1041% | 3,028 |
| Net operating income to assets | 0.8997% | 2,838 |
| Return on assets (ROA) | 0.9029% | 2,933 |
| Pretax return on assets | 0.8949% | 3,910 |
| Return on Equity (ROE) | 10.8413% | 1,876 |
| Retained earnings to average equity (ytd only) | 5.2668% | 2,894 |
| Net charge-offs to loans | 0.0133% | 4,868 |
| Credit loss provision to net charge-offs | 1,625.0000% | 199 |
| Earnings coverage of net charge-offs (x) | 155.5929% | 358 |
| Efficiency ratio | 71.0967% | 3,590 |
| Assets per employee ($millions) | 3.0172% | 5,818 |
| Cash dividends to net income (ytd only)* | 51.4189% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3609% | 1,092 |
| Loan loss allowance to noncurrent loans | 242.1717% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 1.8450% | 2,209 |
| Noncurrent loans to loans | 0.9749% | 3,859 |
| Net loans and leases to total assets | 48.6853% | 5,279 |
| Net loans and leases to deposits | 54.3167% | 5,510 |
| Net loans and leases to core deposits | 56.2073% | 5,606 |
| Total domestic deposits to total assets | 89.6322% | 1,206 |
| Equity capital to assets | 8.5228% | 5,716 |
| Core capital (leverage) ratio | 8.7825% | 5,433 |
| Tier 1 risk-based capital ratio | 18.5025% | 2,139 |
| Total risk-based capital ratio | 19.7687% | 2,109 |
| Memoranda: | ||
| Average total assets | $83,283,750 | 5,207 |
| Average earning assets | $78,175,000 | 5,129 |
| Average equity | $6,936,250 | 5,657 |
| Average total loans | $39,958,500 | 5,397 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4381% | 5,819 |
| Cost of funding earning assets | 0.2899% | 5,903 |
| Net interest margin | 3.1482% | 5,125 |
| Noninterest income to average assets | 0.4744% | 4,000 |
| Noninterest expense to average assets | 2.4317% | 4,957 |
| Loan and lease loss provision to assets | 0.1311% | 2,678 |
| Net operating income to assets | 0.8845% | 2,875 |
| Return on assets (ROA) | 0.8893% | 2,997 |
| Pretax return on assets | 0.8678% | 4,032 |
| Return on Equity (ROE) | 10.7586% | 1,897 |
| Retained earnings to average equity (ytd only) | 2.3940% | 4,774 |
| Net charge-offs to loans | 0.0101% | 4,678 |
| Credit loss provision to net charge-offs | 2,750.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 208.5000% | 252 |
| Efficiency ratio | 70.9812% | 3,646 |
| Assets per employee ($millions) | 2.9160% | 5,992 |
| Cash dividends to net income (ytd only)* | 77.7480% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3643% | 1,147 |
| Loan loss allowance to noncurrent loans | 270.1705% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 1.8408% | 2,355 |
| Noncurrent loans to loans | 0.8751% | 4,172 |
| Net loans and leases to total assets | 48.0986% | 5,322 |
| Net loans and leases to deposits | 53.2026% | 5,587 |
| Net loans and leases to core deposits | 55.0344% | 5,668 |
| Total domestic deposits to total assets | 90.4065% | 800 |
| Equity capital to assets | 8.0111% | 6,189 |
| Core capital (leverage) ratio | 8.4118% | 5,761 |
| Tier 1 risk-based capital ratio | 18.2041% | 2,242 |
| Total risk-based capital ratio | 19.4684% | 2,200 |
| Memoranda: | ||
| Average total assets | $83,890,330 | 5,225 |
| Average earning assets | $78,647,000 | 5,146 |
| Average equity | $6,934,000 | 5,704 |
| Average total loans | $39,738,000 | 5,433 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3733% | 5,999 |
| Cost of funding earning assets | 0.2994% | 5,967 |
| Net interest margin | 3.0739% | 5,353 |
| Noninterest income to average assets | 0.3529% | 4,853 |
| Noninterest expense to average assets | 2.5314% | 4,649 |
| Loan and lease loss provision to assets | 0.1412% | 2,477 |
| Net operating income to assets | 0.6305% | 4,079 |
| Return on assets (ROA) | 0.6399% | 4,181 |
| Pretax return on assets | 0.5882% | 4,988 |
| Return on Equity (ROE) | 7.6292% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.6292% | 1,884 |
| Net charge-offs to loans | -0.0101% | 5,443 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8582% | 2,626 |
| Assets per employee ($millions) | 3.1040% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3871% | 1,264 |
| Loan loss allowance to noncurrent loans | 243.1937% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 1.8304% | 2,571 |
| Noncurrent loans to loans | 0.9816% | 4,167 |
| Net loans and leases to total assets | 45.3291% | 5,510 |
| Net loans and leases to deposits | 50.3159% | 5,763 |
| Net loans and leases to core deposits | 51.9344% | 5,829 |
| Total domestic deposits to total assets | 90.0891% | 989 |
| Equity capital to assets | 8.5613% | 5,950 |
| Core capital (leverage) ratio | 8.2239% | 5,911 |
| Tier 1 risk-based capital ratio | 18.4822% | 2,200 |
| Total risk-based capital ratio | 19.7479% | 2,160 |
| Memoranda: | ||
| Average total assets | $85,011,000 | 5,233 |
| Average earning assets | $80,159,000 | 5,148 |
| Average equity | $7,130,500 | 5,707 |
| Average total loans | $39,495,500 | 5,486 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6342% | 6,161 |
| Cost of funding earning assets | 0.4626% | 5,473 |
| Net interest margin | 3.1716% | 5,641 |
| Noninterest income to average assets | 0.6254% | 3,138 |
| Noninterest expense to average assets | 2.5278% | 4,999 |
| Loan and lease loss provision to assets | 0.1090% | 4,268 |
| Net operating income to assets | 0.9285% | 2,660 |
| Return on assets (ROA) | 0.9285% | 2,908 |
| Pretax return on assets | 0.9452% | 3,766 |
| Return on Equity (ROE) | 11.0323% | 1,797 |
| Retained earnings to average equity (ytd only) | 4.8115% | 2,839 |
| Net charge-offs to loans | 0.0527% | 5,191 |
| Credit loss provision to net charge-offs | 433.3333% | 554 |
| Earnings coverage of net charge-offs (x) | 41.9048% | 769 |
| Efficiency ratio | 70.5686% | 3,694 |
| Assets per employee ($millions) | 3.0791% | 5,883 |
| Cash dividends to net income (ytd only)* | 56.3871% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2409% | 1,476 |
| Loan loss allowance to noncurrent loans | 3,904.3478% | 162 |
| Noncurrent assets plus other real estate owned to assets | 1.4487% | 3,208 |
| Noncurrent loans to loans | 0.0574% | 6,346 |
| Net loans and leases to total assets | 45.4387% | 5,675 |
| Net loans and leases to deposits | 50.2121% | 5,939 |
| Net loans and leases to core deposits | 53.2298% | 5,927 |
| Total domestic deposits to total assets | 90.4935% | 703 |
| Equity capital to assets | 8.2190% | 6,266 |
| Core capital (leverage) ratio | 8.1790% | 6,021 |
| Tier 1 risk-based capital ratio | 17.4772% | 2,461 |
| Total risk-based capital ratio | 18.7391% | 2,432 |
| Memoranda: | ||
| Average total assets | $83,470,600 | 5,261 |
| Average earning assets | $77,816,800 | 5,190 |
| Average equity | $7,024,800 | 5,760 |
| Average total loans | $39,867,800 | 5,513 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 6,306 |
| Cost of funding earning assets | 0.4966% | 5,454 |
| Net interest margin | 3.1578% | 5,801 |
| Noninterest income to average assets | 0.6475% | 3,005 |
| Noninterest expense to average assets | 2.5060% | 5,058 |
| Loan and lease loss provision to assets | 0.1192% | 4,060 |
| Net operating income to assets | 0.9470% | 2,760 |
| Return on assets (ROA) | 0.9470% | 2,987 |
| Pretax return on assets | 0.9615% | 3,864 |
| Return on Equity (ROE) | 11.1845% | 1,894 |
| Retained earnings to average equity (ytd only) | 8.4074% | 1,439 |
| Net charge-offs to loans | 0.0603% | 4,822 |
| Credit loss provision to net charge-offs | 411.1111% | 654 |
| Earnings coverage of net charge-offs (x) | 37.2767% | 931 |
| Efficiency ratio | 69.8698% | 3,711 |
| Assets per employee ($millions) | 3.0622% | 5,944 |
| Cash dividends to net income (ytd only)* | 24.8297% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2276% | 1,654 |
| Loan loss allowance to noncurrent loans | 6,800.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 1.5167% | 3,309 |
| Noncurrent loans to loans | 0.0328% | 6,537 |
| Net loans and leases to total assets | 46.9285% | 5,666 |
| Net loans and leases to deposits | 52.3207% | 5,954 |
| Net loans and leases to core deposits | 55.6376% | 5,921 |
| Total domestic deposits to total assets | 89.6939% | 1,015 |
| Equity capital to assets | 8.7689% | 6,045 |
| Core capital (leverage) ratio | 8.2612% | 6,073 |
| Tier 1 risk-based capital ratio | 18.1590% | 2,283 |
| Total risk-based capital ratio | 19.4216% | 2,253 |
| Memoranda: | ||
| Average total assets | $82,784,500 | 5,332 |
| Average earning assets | $77,055,500 | 5,265 |
| Average equity | $7,009,500 | 5,828 |
| Average total loans | $39,816,500 | 5,583 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6396% | 6,438 |
| Cost of funding earning assets | 0.5315% | 5,421 |
| Net interest margin | 3.1081% | 5,982 |
| Noninterest income to average assets | 0.6424% | 2,991 |
| Noninterest expense to average assets | 2.5405% | 4,998 |
| Loan and lease loss provision to assets | 0.1401% | 3,766 |
| Net operating income to assets | 0.8380% | 3,207 |
| Return on assets (ROA) | 0.8380% | 3,471 |
| Pretax return on assets | 0.8428% | 4,304 |
| Return on Equity (ROE) | 10.0154% | 2,342 |
| Retained earnings to average equity (ytd only) | 6.8405% | 2,193 |
| Net charge-offs to loans | 0.0753% | 4,391 |
| Credit loss provision to net charge-offs | 386.6667% | 768 |
| Earnings coverage of net charge-offs (x) | 27.1333% | 1,139 |
| Efficiency ratio | 72.1042% | 3,416 |
| Assets per employee ($millions) | 2.9484% | 6,154 |
| Cash dividends to net income (ytd only)* | 31.7003% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1992% | 1,771 |
| Loan loss allowance to noncurrent loans | 6,221.4286% | 102 |
| Noncurrent assets plus other real estate owned to assets | 1.4853% | 3,473 |
| Noncurrent loans to loans | 0.0353% | 6,596 |
| Net loans and leases to total assets | 45.3020% | 5,894 |
| Net loans and leases to deposits | 50.1346% | 6,169 |
| Net loans and leases to core deposits | 53.5191% | 6,129 |
| Total domestic deposits to total assets | 90.3607% | 733 |
| Equity capital to assets | 8.2160% | 6,440 |
| Core capital (leverage) ratio | 8.1637% | 6,081 |
| Tier 1 risk-based capital ratio | 17.4198% | 2,502 |
| Total risk-based capital ratio | 18.6809% | 2,464 |
| Memoranda: | ||
| Average total assets | $82,819,670 | 5,356 |
| Average earning assets | $76,766,670 | 5,303 |
| Average equity | $6,929,330 | 5,867 |
| Average total loans | $39,860,670 | 5,608 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 6,367 |
| Cost of funding earning assets | 0.5763% | 5,306 |
| Net interest margin | 3.1643% | 5,866 |
| Noninterest income to average assets | 0.6038% | 3,209 |
| Noninterest expense to average assets | 2.4743% | 5,236 |
| Loan and lease loss provision to assets | 0.1620% | 3,363 |
| Net operating income to assets | 0.8935% | 2,949 |
| Return on assets (ROA) | 0.8935% | 3,169 |
| Pretax return on assets | 0.8788% | 4,113 |
| Return on Equity (ROE) | 10.5791% | 2,200 |
| Retained earnings to average equity (ytd only) | 10.5791% | 1,147 |
| Net charge-offs to loans | -0.0100% | 5,945 |
| Credit loss provision to net charge-offs | -3,300.0000% | 6,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3911% | 3,747 |
| Assets per employee ($millions) | 2.8506% | 6,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1929% | 1,894 |
| Loan loss allowance to noncurrent loans | 820.9524% | 460 |
| Noncurrent assets plus other real estate owned to assets | 2.2965% | 2,589 |
| Noncurrent loans to loans | 0.2671% | 6,154 |
| Net loans and leases to total assets | 48.1683% | 5,533 |
| Net loans and leases to deposits | 53.6168% | 5,848 |
| Net loans and leases to core deposits | 56.9383% | 5,823 |
| Total domestic deposits to total assets | 89.8381% | 1,167 |
| Equity capital to assets | 8.6973% | 5,873 |
| Core capital (leverage) ratio | 8.3691% | 5,779 |
| Tier 1 risk-based capital ratio | 17.6564% | 2,422 |
| Total risk-based capital ratio | 18.9187% | 2,390 |
| Memoranda: | ||
| Average total assets | $81,477,500 | 5,426 |
| Average earning assets | $74,960,500 | 5,404 |
| Average equity | $6,881,500 | 5,906 |
| Average total loans | $39,988,000 | 5,643 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 5,529 |
| Cost of funding earning assets | 0.7379% | 5,289 |
| Net interest margin | 3.6340% | 4,597 |
| Noninterest income to average assets | 0.8557% | 1,820 |
| Noninterest expense to average assets | 2.9521% | 3,761 |
| Loan and lease loss provision to assets | 0.1864% | 4,326 |
| Net operating income to assets | 1.0870% | 1,877 |
| Return on assets (ROA) | 1.0870% | 2,002 |
| Pretax return on assets | 1.0870% | 2,888 |
| Return on Equity (ROE) | 12.0339% | 1,397 |
| Retained earnings to average equity (ytd only) | 3.5996% | 3,655 |
| Net charge-offs to loans | 1.2743% | 1,300 |
| Credit loss provision to net charge-offs | 25.3235% | 5,850 |
| Earnings coverage of net charge-offs (x) | 1.7301% | 4,477 |
| Efficiency ratio | 69.8648% | 3,991 |
| Assets per employee ($millions) | 2.9692% | 6,159 |
| Cash dividends to net income (ytd only)* | 70.0876% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0360% | 2,166 |
| Loan loss allowance to noncurrent loans | 684.2975% | 539 |
| Noncurrent assets plus other real estate owned to assets | 2.2505% | 2,677 |
| Noncurrent loans to loans | 0.2975% | 6,128 |
| Net loans and leases to total assets | 47.9197% | 5,830 |
| Net loans and leases to deposits | 53.0098% | 6,138 |
| Net loans and leases to core deposits | 54.9647% | 6,229 |
| Total domestic deposits to total assets | 90.3978% | 765 |
| Equity capital to assets | 8.2045% | 6,434 |
| Core capital (leverage) ratio | 8.5983% | 5,403 |
| Tier 1 risk-based capital ratio | 16.3476% | 2,889 |
| Total risk-based capital ratio | 17.6071% | 2,853 |
| Memoranda: | ||
| Average total assets | $73,506,000 | 5,661 |
| Average earning assets | $68,161,800 | 5,608 |
| Average equity | $6,639,600 | 5,975 |
| Average total loans | $42,454,800 | 5,584 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5234% | 5,185 |
| Cost of funding earning assets | 0.7757% | 5,307 |
| Net interest margin | 3.7478% | 4,118 |
| Noninterest income to average assets | 0.9358% | 1,529 |
| Noninterest expense to average assets | 2.9836% | 3,615 |
| Loan and lease loss provision to assets | 0.1932% | 4,090 |
| Net operating income to assets | 1.2658% | 1,463 |
| Return on assets (ROA) | 1.2658% | 1,574 |
| Pretax return on assets | 1.2564% | 2,440 |
| Return on Equity (ROE) | 13.6480% | 1,124 |
| Retained earnings to average equity (ytd only) | 4.9537% | 3,204 |
| Net charge-offs to loans | 1.3799% | 1,099 |
| Credit loss provision to net charge-offs | 23.1982% | 5,517 |
| Earnings coverage of net charge-offs (x) | 1.7410% | 4,347 |
| Efficiency ratio | 67.3012% | 4,464 |
| Assets per employee ($millions) | 2.5564% | 6,829 |
| Cash dividends to net income (ytd only)* | 63.7036% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1530% | 1,958 |
| Loan loss allowance to noncurrent loans | 189.5745% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 2.9590% | 2,176 |
| Noncurrent loans to loans | 1.1357% | 4,649 |
| Net loans and leases to total assets | 56.5719% | 4,750 |
| Net loans and leases to deposits | 63.8691% | 5,183 |
| Net loans and leases to core deposits | 67.8411% | 5,195 |
| Total domestic deposits to total assets | 88.5747% | 1,714 |
| Equity capital to assets | 9.5993% | 4,940 |
| Core capital (leverage) ratio | 9.1742% | 4,668 |
| Tier 1 risk-based capital ratio | 17.0759% | 2,615 |
| Total risk-based capital ratio | 18.3403% | 2,569 |
| Memoranda: | ||
| Average total assets | $71,098,250 | 5,756 |
| Average earning assets | $66,349,000 | 5,698 |
| Average equity | $6,594,250 | 6,029 |
| Average total loans | $42,901,750 | 5,612 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 5,100 |
| Cost of funding earning assets | 0.8090% | 5,310 |
| Net interest margin | 3.7611% | 3,985 |
| Noninterest income to average assets | 0.9332% | 1,520 |
| Noninterest expense to average assets | 2.9237% | 3,925 |
| Loan and lease loss provision to assets | 0.1889% | 4,029 |
| Net operating income to assets | 1.3702% | 1,147 |
| Return on assets (ROA) | 1.3702% | 1,219 |
| Pretax return on assets | 1.3336% | 2,024 |
| Return on Equity (ROE) | 14.9492% | 812 |
| Retained earnings to average equity (ytd only) | 3.9065% | 3,709 |
| Net charge-offs to loans | 1.0183% | 1,550 |
| Credit loss provision to net charge-offs | 30.3167% | 4,984 |
| Earnings coverage of net charge-offs (x) | 2.4434% | 3,596 |
| Efficiency ratio | 65.7578% | 4,921 |
| Assets per employee ($millions) | 2.5200% | 6,890 |
| Cash dividends to net income (ytd only)* | 73.8683% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5316% | 1,398 |
| Loan loss allowance to noncurrent loans | 126.0819% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 3.1250% | 2,146 |
| Noncurrent loans to loans | 2.0079% | 3,467 |
| Net loans and leases to total assets | 58.8209% | 4,495 |
| Net loans and leases to deposits | 65.2969% | 5,100 |
| Net loans and leases to core deposits | 70.8271% | 4,974 |
| Total domestic deposits to total assets | 90.0822% | 933 |
| Equity capital to assets | 9.4742% | 4,851 |
| Core capital (leverage) ratio | 9.0304% | 4,670 |
| Tier 1 risk-based capital ratio | 16.6349% | 2,679 |
| Total risk-based capital ratio | 17.9051% | 2,627 |
| Memoranda: | ||
| Average total assets | $70,938,330 | 5,799 |
| Average earning assets | $66,257,670 | 5,747 |
| Average equity | $6,502,000 | 6,082 |
| Average total loans | $43,407,670 | 5,638 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6777% | 4,622 |
| Cost of funding earning assets | 0.8407% | 5,330 |
| Net interest margin | 3.8370% | 3,431 |
| Noninterest income to average assets | 0.8323% | 1,917 |
| Noninterest expense to average assets | 2.7612% | 4,598 |
| Loan and lease loss provision to assets | 0.1968% | 3,660 |
| Net operating income to assets | 1.6309% | 649 |
| Return on assets (ROA) | 1.6309% | 686 |
| Pretax return on assets | 1.4678% | 1,544 |
| Return on Equity (ROE) | 18.0953% | 474 |
| Retained earnings to average equity (ytd only) | -4.3054% | 6,456 |
| Net charge-offs to loans | 1.9352% | 661 |
| Credit loss provision to net charge-offs | 16.5094% | 4,305 |
| Earnings coverage of net charge-offs (x) | 1.3962% | 3,652 |
| Efficiency ratio | 62.3888% | 5,616 |
| Assets per employee ($millions) | 2.5230% | 6,958 |
| Cash dividends to net income (ytd only)* | 123.7931% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4859% | 1,477 |
| Loan loss allowance to noncurrent loans | 627.9762% | 545 |
| Noncurrent assets plus other real estate owned to assets | 2.1275% | 3,154 |
| Noncurrent loans to loans | 0.3959% | 6,202 |
| Net loans and leases to total assets | 58.5816% | 4,533 |
| Net loans and leases to deposits | 64.6934% | 5,167 |
| Net loans and leases to core deposits | 72.6307% | 4,705 |
| Total domestic deposits to total assets | 90.5528% | 818 |
| Equity capital to assets | 9.0396% | 5,139 |
| Core capital (leverage) ratio | 8.6580% | 5,158 |
| Tier 1 risk-based capital ratio | 16.1837% | 2,819 |
| Total risk-based capital ratio | 17.4533% | 2,772 |
| Memoranda: | ||
| Average total assets | $71,127,500 | 5,842 |
| Average earning assets | $66,614,000 | 5,785 |
| Average equity | $6,410,500 | 6,125 |
| Average total loans | $43,820,500 | 5,665 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0720% | 4,223 |
| Cost of funding earning assets | 1.1751% | 4,699 |
| Net interest margin | 3.8969% | 3,505 |
| Noninterest income to average assets | 0.8580% | 2,020 |
| Noninterest expense to average assets | 2.9162% | 4,158 |
| Loan and lease loss provision to assets | 0.3519% | 4,018 |
| Net operating income to assets | 1.1805% | 1,461 |
| Return on assets (ROA) | 1.1805% | 1,535 |
| Pretax return on assets | 1.2212% | 2,157 |
| Return on Equity (ROE) | 12.7734% | 1,153 |
| Retained earnings to average equity (ytd only) | 2.4424% | 4,169 |
| Net charge-offs to loans | 0.1357% | 5,560 |
| Credit loss provision to net charge-offs | 404.8387% | 602 |
| Earnings coverage of net charge-offs (x) | 18.0968% | 1,117 |
| Efficiency ratio | 64.9594% | 5,172 |
| Assets per employee ($millions) | 2.5575% | 6,921 |
| Cash dividends to net income (ytd only)* | 80.8789% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7234% | 1,138 |
| Loan loss allowance to noncurrent loans | 258.0713% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 1.4621% | 4,132 |
| Noncurrent loans to loans | 1.0553% | 4,963 |
| Net loans and leases to total assets | 61.4020% | 4,417 |
| Net loans and leases to deposits | 67.7452% | 5,138 |
| Net loans and leases to core deposits | 76.3991% | 4,646 |
| Total domestic deposits to total assets | 90.6368% | 774 |
| Equity capital to assets | 8.9862% | 5,162 |
| Core capital (leverage) ratio | 8.7582% | 4,919 |
| Tier 1 risk-based capital ratio | 15.8780% | 2,808 |
| Total risk-based capital ratio | 17.1505% | 2,754 |
| Memoranda: | ||
| Average total assets | $71,325,200 | 5,849 |
| Average earning assets | $66,462,800 | 5,784 |
| Average equity | $6,591,800 | 6,169 |
| Average total loans | $45,686,600 | 5,669 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1367% | 4,141 |
| Cost of funding earning assets | 1.2459% | 4,595 |
| Net interest margin | 3.8908% | 3,570 |
| Noninterest income to average assets | 0.8308% | 2,076 |
| Noninterest expense to average assets | 2.8835% | 4,155 |
| Loan and lease loss provision to assets | 0.4603% | 3,173 |
| Net operating income to assets | 1.0741% | 1,989 |
| Return on assets (ROA) | 1.0741% | 2,100 |
| Pretax return on assets | 1.1040% | 2,812 |
| Return on Equity (ROE) | 11.5414% | 1,636 |
| Retained earnings to average equity (ytd only) | 3.7399% | 3,831 |
| Net charge-offs to loans | 0.1601% | 5,040 |
| Credit loss provision to net charge-offs | 447.2727% | 673 |
| Earnings coverage of net charge-offs (x) | 15.2003% | 1,456 |
| Efficiency ratio | 64.8296% | 5,082 |
| Assets per employee ($millions) | 2.4694% | 7,109 |
| Cash dividends to net income (ytd only)* | 67.5961% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6730% | 1,110 |
| Loan loss allowance to noncurrent loans | 12,340.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 5,475 |
| Noncurrent loans to loans | 0.0217% | 7,207 |
| Net loans and leases to total assets | 62.7437% | 4,375 |
| Net loans and leases to deposits | 69.6156% | 5,206 |
| Net loans and leases to core deposits | 78.5126% | 4,737 |
| Total domestic deposits to total assets | 90.1287% | 816 |
| Equity capital to assets | 9.3602% | 5,037 |
| Core capital (leverage) ratio | 8.7670% | 5,073 |
| Tier 1 risk-based capital ratio | 15.9707% | 2,779 |
| Total risk-based capital ratio | 17.2430% | 2,718 |
| Memoranda: | ||
| Average total assets | $71,254,000 | 5,908 |
| Average earning assets | $66,240,250 | 5,856 |
| Average equity | $6,631,000 | 6,226 |
| Average total loans | $45,808,000 | 5,743 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1798% | 4,048 |
| Cost of funding earning assets | 1.3010% | 4,533 |
| Net interest margin | 3.8788% | 3,544 |
| Noninterest income to average assets | 0.8013% | 2,106 |
| Noninterest expense to average assets | 2.8397% | 4,316 |
| Loan and lease loss provision to assets | 0.6748% | 2,140 |
| Net operating income to assets | 0.8632% | 2,682 |
| Return on assets (ROA) | 0.8632% | 2,818 |
| Pretax return on assets | 0.8744% | 3,598 |
| Return on Equity (ROE) | 9.2932% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.2932% | 1,015 |
| Net charge-offs to loans | 0.3896% | 3,415 |
| Credit loss provision to net charge-offs | 269.6629% | 1,401 |
| Earnings coverage of net charge-offs (x) | 6.1910% | 2,509 |
| Efficiency ratio | 64.7021% | 5,205 |
| Assets per employee ($millions) | 2.5684% | 7,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6095% | 1,181 |
| Loan loss allowance to noncurrent loans | 1,836.9231% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 5,206 |
| Noncurrent loans to loans | 0.1421% | 6,975 |
| Net loans and leases to total assets | 61.9657% | 4,689 |
| Net loans and leases to deposits | 68.7579% | 5,449 |
| Net loans and leases to core deposits | 80.0697% | 4,685 |
| Total domestic deposits to total assets | 90.1215% | 858 |
| Equity capital to assets | 9.4071% | 4,854 |
| Core capital (leverage) ratio | 9.1115% | 4,445 |
| Tier 1 risk-based capital ratio | 16.3816% | 2,525 |
| Total risk-based capital ratio | 17.6543% | 2,458 |
| Memoranda: | ||
| Average total assets | $71,134,670 | 5,943 |
| Average earning assets | $65,793,670 | 5,905 |
| Average equity | $6,607,000 | 6,267 |
| Average total loans | $45,688,670 | 5,784 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2333% | 3,861 |
| Cost of funding earning assets | 1.3531% | 4,469 |
| Net interest margin | 3.8802% | 3,407 |
| Noninterest income to average assets | 0.8877% | 1,675 |
| Noninterest expense to average assets | 2.8384% | 4,328 |
| Loan and lease loss provision to assets | 1.2439% | 975 |
| Net operating income to assets | 0.3845% | 4,909 |
| Return on assets (ROA) | 0.3845% | 5,045 |
| Pretax return on assets | 0.3562% | 5,431 |
| Return on Equity (ROE) | 4.1667% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.1667% | 3,648 |
| Net charge-offs to loans | -0.0175% | 7,038 |
| Credit loss provision to net charge-offs | -11,000.0000% | 6,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9490% | 5,505 |
| Assets per employee ($millions) | 2.5619% | 7,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8021% | 986 |
| Loan loss allowance to noncurrent loans | 878.4722% | 372 |
| Noncurrent assets plus other real estate owned to assets | 1.4890% | 4,277 |
| Noncurrent loans to loans | 0.3190% | 6,664 |
| Net loans and leases to total assets | 63.4346% | 4,441 |
| Net loans and leases to deposits | 70.4069% | 5,280 |
| Net loans and leases to core deposits | 81.8959% | 4,504 |
| Total domestic deposits to total assets | 90.0971% | 936 |
| Equity capital to assets | 9.4287% | 4,644 |
| Core capital (leverage) ratio | 8.7350% | 4,965 |
| Tier 1 risk-based capital ratio | 16.0603% | 2,631 |
| Total risk-based capital ratio | 17.3356% | 2,571 |
| Memoranda: | ||
| Average total assets | $70,745,000 | 6,025 |
| Average earning assets | $64,739,500 | 6,008 |
| Average equity | $6,528,000 | 6,337 |
| Average total loans | $45,655,000 | 5,858 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4234% | 4,576 |
| Cost of funding earning assets | 1.6931% | 4,549 |
| Net interest margin | 3.7302% | 3,997 |
| Noninterest income to average assets | 0.9651% | 1,682 |
| Noninterest expense to average assets | 3.0206% | 4,070 |
| Loan and lease loss provision to assets | 0.9238% | 2,428 |
| Net operating income to assets | 0.5080% | 3,699 |
| Return on assets (ROA) | 0.5080% | 3,793 |
| Pretax return on assets | 0.4998% | 4,187 |
| Return on Equity (ROE) | 5.6573% | 3,352 |
| Retained earnings to average equity (ytd only) | 0.6746% | 4,525 |
| Net charge-offs to loans | 0.6701% | 3,176 |
| Credit loss provision to net charge-offs | 215.0641% | 1,776 |
| Earnings coverage of net charge-offs (x) | 3.3141% | 3,404 |
| Efficiency ratio | 67.9678% | 5,011 |
| Assets per employee ($millions) | 2.5828% | 7,065 |
| Cash dividends to net income (ytd only)* | 88.0759% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2592% | 1,552 |
| Loan loss allowance to noncurrent loans | 802.3077% | 430 |
| Noncurrent assets plus other real estate owned to assets | 1.5778% | 4,012 |
| Noncurrent loans to loans | 0.2816% | 6,725 |
| Net loans and leases to total assets | 62.3953% | 4,908 |
| Net loans and leases to deposits | 69.2102% | 5,697 |
| Net loans and leases to core deposits | 87.7487% | 5,352 |
| Total domestic deposits to total assets | 90.1532% | 894 |
| Equity capital to assets | 9.0351% | 5,082 |
| Core capital (leverage) ratio | 8.6835% | 4,947 |
| Tier 1 risk-based capital ratio | 15.2269% | 2,837 |
| Total risk-based capital ratio | 16.4946% | 2,785 |
| Memoranda: | ||
| Average total assets | $72,634,200 | 5,926 |
| Average earning assets | $67,743,600 | 5,877 |
| Average equity | $6,522,600 | 6,416 |
| Average total loans | $46,560,800 | 5,821 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4254% | 4,823 |
| Cost of funding earning assets | 1.7565% | 4,608 |
| Net interest margin | 3.6689% | 4,210 |
| Noninterest income to average assets | 0.9498% | 1,781 |
| Noninterest expense to average assets | 3.0127% | 3,995 |
| Loan and lease loss provision to assets | 0.7903% | 2,391 |
| Net operating income to assets | 0.6106% | 3,576 |
| Return on assets (ROA) | 0.6106% | 3,621 |
| Pretax return on assets | 0.6014% | 4,182 |
| Return on Equity (ROE) | 6.8099% | 3,157 |
| Retained earnings to average equity (ytd only) | 0.1637% | 5,132 |
| Net charge-offs to loans | 0.6001% | 2,877 |
| Credit loss provision to net charge-offs | 205.2381% | 2,165 |
| Earnings coverage of net charge-offs (x) | 3.6143% | 3,456 |
| Efficiency ratio | 68.4013% | 4,893 |
| Assets per employee ($millions) | 2.4147% | 7,359 |
| Cash dividends to net income (ytd only)* | 97.5968% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9665% | 1,875 |
| Loan loss allowance to noncurrent loans | 265.3959% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 1.8679% | 3,557 |
| Noncurrent loans to loans | 0.7410% | 5,832 |
| Net loans and leases to total assets | 64.4266% | 4,767 |
| Net loans and leases to deposits | 72.0392% | 5,639 |
| Net loans and leases to core deposits | 93.6502% | 5,056 |
| Total domestic deposits to total assets | 89.4326% | 1,002 |
| Equity capital to assets | 9.4406% | 4,821 |
| Core capital (leverage) ratio | 8.5425% | 5,416 |
| Tier 1 risk-based capital ratio | 15.3596% | 2,892 |
| Total risk-based capital ratio | 16.6231% | 2,820 |
| Memoranda: | ||
| Average total assets | $72,713,250 | 5,961 |
| Average earning assets | $68,466,250 | 5,897 |
| Average equity | $6,519,750 | 6,475 |
| Average total loans | $46,659,500 | 5,863 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3986% | 5,164 |
| Cost of funding earning assets | 1.7995% | 4,766 |
| Net interest margin | 3.5991% | 4,363 |
| Noninterest income to average assets | 0.9129% | 1,931 |
| Noninterest expense to average assets | 2.9290% | 4,389 |
| Loan and lease loss provision to assets | 0.5108% | 2,981 |
| Net operating income to assets | 0.8776% | 2,550 |
| Return on assets (ROA) | 0.8776% | 2,653 |
| Pretax return on assets | 0.8640% | 3,460 |
| Return on Equity (ROE) | 9.9548% | 2,034 |
| Retained earnings to average equity (ytd only) | -0.0616% | 5,233 |
| Net charge-offs to loans | 0.3542% | 3,412 |
| Credit loss provision to net charge-offs | 226.5060% | 2,031 |
| Earnings coverage of net charge-offs (x) | 6.0964% | 2,685 |
| Efficiency ratio | 68.0556% | 5,150 |
| Assets per employee ($millions) | 2.6759% | 6,886 |
| Cash dividends to net income (ytd only)* | 100.6192% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 2,285 |
| Loan loss allowance to noncurrent loans | 147.4766% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 2.3765% | 2,728 |
| Noncurrent loans to loans | 1.1641% | 4,887 |
| Net loans and leases to total assets | 62.5171% | 5,268 |
| Net loans and leases to deposits | 69.5213% | 6,041 |
| Net loans and leases to core deposits | 90.9051% | 5,461 |
| Total domestic deposits to total assets | 89.9251% | 859 |
| Equity capital to assets | 9.0174% | 5,289 |
| Core capital (leverage) ratio | 8.2644% | 5,863 |
| Tier 1 risk-based capital ratio | 15.0366% | 3,003 |
| Total risk-based capital ratio | 16.2927% | 2,935 |
| Memoranda: | ||
| Average total assets | $73,608,670 | 5,985 |
| Average earning assets | $69,351,330 | 5,909 |
| Average equity | $6,489,330 | 6,536 |
| Average total loans | $46,872,330 | 5,896 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4565% | 5,136 |
| Cost of funding earning assets | 1.8549% | 4,855 |
| Net interest margin | 3.6017% | 4,308 |
| Noninterest income to average assets | 0.9046% | 1,829 |
| Noninterest expense to average assets | 2.8484% | 4,342 |
| Loan and lease loss provision to assets | 0.3392% | 3,291 |
| Net operating income to assets | 1.0877% | 2,004 |
| Return on assets (ROA) | 1.0877% | 2,132 |
| Pretax return on assets | 1.1253% | 2,890 |
| Return on Equity (ROE) | 12.4759% | 1,520 |
| Retained earnings to average equity (ytd only) | -7.5967% | 6,867 |
| Net charge-offs to loans | 0.3465% | 2,700 |
| Credit loss provision to net charge-offs | 153.6585% | 2,723 |
| Earnings coverage of net charge-offs (x) | 6.6341% | 2,462 |
| Efficiency ratio | 66.0424% | 5,322 |
| Assets per employee ($millions) | 2.7693% | 6,710 |
| Cash dividends to net income (ytd only)* | 160.8911% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 3,039 |
| Loan loss allowance to noncurrent loans | 112.2417% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 1.0325% | 4,627 |
| Noncurrent loans to loans | 1.3289% | 4,321 |
| Net loans and leases to total assets | 62.3571% | 5,261 |
| Net loans and leases to deposits | 68.9872% | 6,078 |
| Net loans and leases to core deposits | 90.6942% | 5,486 |
| Total domestic deposits to total assets | 90.3893% | 647 |
| Equity capital to assets | 8.5702% | 5,957 |
| Core capital (leverage) ratio | 7.9790% | 6,492 |
| Tier 1 risk-based capital ratio | 14.3821% | 3,373 |
| Total risk-based capital ratio | 15.6375% | 3,293 |
| Memoranda: | ||
| Average total assets | $74,288,500 | 5,994 |
| Average earning assets | $70,301,000 | 5,899 |
| Average equity | $6,476,500 | 6,590 |
| Average total loans | $47,330,000 | 5,900 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3218% | 3,849 |
| Cost of funding earning assets | 2.5168% | 4,106 |
| Net interest margin | 3.8050% | 3,996 |
| Noninterest income to average assets | 1.0279% | 1,496 |
| Noninterest expense to average assets | 2.7454% | 5,068 |
| Loan and lease loss provision to assets | 0.2236% | 4,652 |
| Net operating income to assets | 1.5598% | 909 |
| Return on assets (ROA) | 1.5598% | 880 |
| Pretax return on assets | 1.6372% | 1,291 |
| Return on Equity (ROE) | 17.8519% | 539 |
| Retained earnings to average equity (ytd only) | 6.0217% | 1,524 |
| Net charge-offs to loans | 0.4314% | 2,666 |
| Credit loss provision to net charge-offs | 78.7879% | 5,929 |
| Earnings coverage of net charge-offs (x) | 6.5556% | 3,336 |
| Efficiency ratio | 59.6016% | 6,418 |
| Assets per employee ($millions) | 2.4602% | 7,275 |
| Cash dividends to net income (ytd only)* | 66.2684% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 2,951 |
| Loan loss allowance to noncurrent loans | 172.2922% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7791% | 4,898 |
| Noncurrent loans to loans | 0.8388% | 4,956 |
| Net loans and leases to total assets | 63.1995% | 5,420 |
| Net loans and leases to deposits | 70.1270% | 6,267 |
| Net loans and leases to core deposits | 93.9912% | 5,447 |
| Total domestic deposits to total assets | 90.1214% | 600 |
| Equity capital to assets | 8.8678% | 5,539 |
| Core capital (leverage) ratio | 8.5763% | 5,433 |
| Tier 1 risk-based capital ratio | 14.5708% | 3,264 |
| Total risk-based capital ratio | 15.8264% | 3,179 |
| Memoranda: | ||
| Average total assets | $69,753,400 | 6,044 |
| Average earning assets | $65,598,000 | 5,976 |
| Average equity | $6,094,600 | 6,774 |
| Average total loans | $45,893,600 | 5,880 |