Home > State Bank of St. Jacob > Performance and Condition Ratios
State Bank of St. Jacob, 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 | 4.1392% | 3,741 |
| Cost of funding earning assets | 0.8546% | 3,605 |
| Net interest margin | 3.2846% | 2,671 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.6157% | 4,233 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.4560% | 1,106 |
| Return on assets (ROA) | 1.4560% | 1,075 |
| Pretax return on assets | 1.4762% | 1,477 |
| Return on Equity (ROE) | 12.0200% | 1,949 |
| Retained earnings to average equity (ytd only) | 7.6668% | 1,649 |
| Net charge-offs to loans | 0.5560% | 179 |
| Credit loss provision to net charge-offs | 76.9231% | 2,042 |
| Earnings coverage of net charge-offs (x) | 5.5692% | 2,521 |
| Efficiency ratio | 48.5430% | 4,061 |
| Assets per employee ($millions) | 8.2264% | 1,319 |
| Cash dividends to net income (ytd only)* | 36.2307% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8437% | 138 |
| Loan loss allowance to noncurrent loans | 129.4566% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.2752% | 332 |
| Noncurrent loans to loans | 2.1967% | 241 |
| Net loans and leases to total assets | 56.4000% | 3,161 |
| Net loans and leases to deposits | 65.2381% | 3,221 |
| Net loans and leases to core deposits | 70.3215% | 3,290 |
| Total domestic deposits to total assets | 86.4500% | 1,875 |
| Equity capital to assets | 13.3704% | 788 |
| Core capital (leverage) ratio | 14.7403% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $84,544,200 | 3,974 |
| Average earning assets | $81,562,200 | 3,912 |
| Average equity | $10,239,000 | 3,694 |
| Average total loans | $46,761,200 | 3,889 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0088% | 3,833 |
| Cost of funding earning assets | 0.7894% | 3,553 |
| Net interest margin | 3.2193% | 2,872 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.4318% | 4,367 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 1.4897% | 1,146 |
| Return on assets (ROA) | 1.4897% | 1,125 |
| Pretax return on assets | 1.5117% | 1,531 |
| Return on Equity (ROE) | 12.6200% | 1,974 |
| Retained earnings to average equity (ytd only) | 10.1765% | 1,354 |
| Net charge-offs to loans | 0.7224% | 124 |
| Credit loss provision to net charge-offs | 79.3651% | 1,758 |
| Earnings coverage of net charge-offs (x) | 4.6230% | 2,387 |
| Efficiency ratio | 43.9634% | 4,227 |
| Assets per employee ($millions) | 8.3476% | 1,187 |
| Cash dividends to net income (ytd only)* | 19.3481% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8488% | 140 |
| Loan loss allowance to noncurrent loans | 133.3659% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 1.2279% | 361 |
| Noncurrent loans to loans | 2.1361% | 265 |
| Net loans and leases to total assets | 55.8500% | 3,215 |
| Net loans and leases to deposits | 63.9137% | 3,274 |
| Net loans and leases to core deposits | 69.5905% | 3,228 |
| Total domestic deposits to total assets | 87.3800% | 1,771 |
| Equity capital to assets | 12.4347% | 935 |
| Core capital (leverage) ratio | 14.5322% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $85,114,250 | 3,988 |
| Average earning assets | $82,085,000 | 3,920 |
| Average equity | $10,049,000 | 3,720 |
| Average total loans | $46,513,000 | 3,901 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8849% | 3,895 |
| Cost of funding earning assets | 0.6883% | 3,519 |
| Net interest margin | 3.1966% | 3,003 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.3052% | 4,470 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.7207% | 757 |
| Return on assets (ROA) | 1.7207% | 756 |
| Pretax return on assets | 1.7441% | 1,126 |
| Return on Equity (ROE) | 14.8300% | 1,501 |
| Retained earnings to average equity (ytd only) | 11.3496% | 1,112 |
| Net charge-offs to loans | 0.7648% | 111 |
| Credit loss provision to net charge-offs | 42.6136% | 1,703 |
| Earnings coverage of net charge-offs (x) | 4.6705% | 2,208 |
| Efficiency ratio | 40.4779% | 4,381 |
| Assets per employee ($millions) | 8.5573% | 1,067 |
| Cash dividends to net income (ytd only)* | 23.4735% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8000% | 155 |
| Loan loss allowance to noncurrent loans | 109.3854% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.4070% | 260 |
| Noncurrent loans to loans | 2.5597% | 178 |
| Net loans and leases to total assets | 53.4300% | 3,311 |
| Net loans and leases to deposits | 60.7723% | 3,370 |
| Net loans and leases to core deposits | 65.7260% | 3,362 |
| Total domestic deposits to total assets | 87.9100% | 1,641 |
| Equity capital to assets | 11.9103% | 1,075 |
| Core capital (leverage) ratio | 14.1081% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $85,660,333 | 3,995 |
| Average earning assets | $82,524,667 | 3,930 |
| Average equity | $9,938,667 | 3,752 |
| Average total loans | $46,022,333 | 3,921 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7439% | 3,959 |
| Cost of funding earning assets | 0.5708% | 3,472 |
| Net interest margin | 3.1731% | 3,177 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.2088% | 4,571 |
| Loan and lease loss provision to assets | 0.4700% | 167 |
| Net operating income to assets | 1.5215% | 1,139 |
| Return on assets (ROA) | 1.5215% | 1,121 |
| Pretax return on assets | 1.5309% | 1,601 |
| Return on Equity (ROE) | 13.2900% | 1,933 |
| Retained earnings to average equity (ytd only) | 13.2898% | 1,045 |
| Net charge-offs to loans | 1.0019% | 79 |
| Credit loss provision to net charge-offs | 87.7193% | 1,183 |
| Earnings coverage of net charge-offs (x) | 3.7544% | 1,874 |
| Efficiency ratio | 37.7001% | 4,497 |
| Assets per employee ($millions) | 8.6904% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8228% | 154 |
| Loan loss allowance to noncurrent loans | 120.5176% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.2451% | 287 |
| Noncurrent loans to loans | 2.3422% | 211 |
| Net loans and leases to total assets | 51.6600% | 3,369 |
| Net loans and leases to deposits | 58.6029% | 3,415 |
| Net loans and leases to core deposits | 62.6008% | 3,415 |
| Total domestic deposits to total assets | 88.1500% | 1,875 |
| Equity capital to assets | 11.6957% | 1,092 |
| Core capital (leverage) ratio | 13.8389% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $85,704,000 | 4,045 |
| Average earning assets | $82,695,000 | 3,984 |
| Average equity | $9,812,000 | 3,809 |
| Average total loans | $45,515,500 | 3,970 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3330% | 3,507 |
| Cost of funding earning assets | 0.3185% | 2,734 |
| Net interest margin | 3.0144% | 3,413 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.4564% | 4,466 |
| Loan and lease loss provision to assets | 0.4100% | 166 |
| Net operating income to assets | 1.0848% | 2,239 |
| Return on assets (ROA) | 1.0848% | 2,181 |
| Pretax return on assets | 1.1881% | 2,476 |
| Return on Equity (ROE) | 9.3600% | 3,008 |
| Retained earnings to average equity (ytd only) | 5.5547% | 2,807 |
| Net charge-offs to loans | 0.5919% | 121 |
| Credit loss provision to net charge-offs | 147.6793% | 1,313 |
| Earnings coverage of net charge-offs (x) | 5.7932% | 2,359 |
| Efficiency ratio | 47.7351% | 4,257 |
| Assets per employee ($millions) | 8.4504% | 1,118 |
| Cash dividends to net income (ytd only)* | 40.6852% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9396% | 126 |
| Loan loss allowance to noncurrent loans | 111.4117% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.3999% | 243 |
| Noncurrent loans to loans | 2.6385% | 172 |
| Net loans and leases to total assets | 51.5000% | 3,392 |
| Net loans and leases to deposits | 58.0937% | 3,451 |
| Net loans and leases to core deposits | 60.9889% | 3,450 |
| Total domestic deposits to total assets | 88.6500% | 1,826 |
| Equity capital to assets | 11.1947% | 1,187 |
| Core capital (leverage) ratio | 13.5324% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $86,102,400 | 4,059 |
| Average earning assets | $82,569,000 | 4,012 |
| Average equity | $9,973,600 | 3,872 |
| Average total loans | $40,041,000 | 4,063 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2215% | 3,384 |
| Cost of funding earning assets | 0.2671% | 2,518 |
| Net interest margin | 2.9544% | 3,348 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.2377% | 4,612 |
| Loan and lease loss provision to assets | 0.3800% | 152 |
| Net operating income to assets | 1.2331% | 1,575 |
| Return on assets (ROA) | 1.2331% | 1,554 |
| Pretax return on assets | 1.3703% | 1,814 |
| Return on Equity (ROE) | 10.5600% | 2,548 |
| Retained earnings to average equity (ytd only) | 8.5789% | 1,799 |
| Net charge-offs to loans | 0.7174% | 76 |
| Credit loss provision to net charge-offs | 119.6172% | 1,226 |
| Earnings coverage of net charge-offs (x) | 5.4498% | 2,145 |
| Efficiency ratio | 41.3491% | 4,539 |
| Assets per employee ($millions) | 8.4837% | 1,074 |
| Cash dividends to net income (ytd only)* | 18.7500% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8765% | 146 |
| Loan loss allowance to noncurrent loans | 123.3663% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.1905% | 347 |
| Noncurrent loans to loans | 2.3317% | 240 |
| Net loans and leases to total assets | 49.5900% | 3,492 |
| Net loans and leases to deposits | 56.0007% | 3,482 |
| Net loans and leases to core deposits | 58.7824% | 3,461 |
| Total domestic deposits to total assets | 88.5500% | 2,256 |
| Equity capital to assets | 10.9103% | 1,211 |
| Core capital (leverage) ratio | 13.3717% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $86,502,000 | 4,082 |
| Average earning assets | $82,857,000 | 4,036 |
| Average equity | $10,102,000 | 3,908 |
| Average total loans | $38,842,250 | 4,106 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0828% | 3,351 |
| Cost of funding earning assets | 0.2529% | 2,228 |
| Net interest margin | 2.8299% | 3,352 |
| Noninterest income to average assets | 0.1585% | 4,222 |
| Noninterest expense to average assets | 1.1556% | 4,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5323% | 649 |
| Return on assets (ROA) | 1.5323% | 630 |
| Pretax return on assets | 1.7023% | 750 |
| Return on Equity (ROE) | 12.8467% | 1,424 |
| Retained earnings to average equity (ytd only) | 9.9576% | 1,035 |
| Net charge-offs to loans | 0.1017% | 579 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,270 |
| Efficiency ratio | 40.4341% | 4,600 |
| Assets per employee ($millions) | 8.6103% | 1,024 |
| Cash dividends to net income (ytd only)* | 22.4888% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8917% | 157 |
| Loan loss allowance to noncurrent loans | 93.1711% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.4796% | 244 |
| Noncurrent loans to loans | 3.1037% | 158 |
| Net loans and leases to total assets | 46.2946% | 3,695 |
| Net loans and leases to deposits | 52.3605% | 3,659 |
| Net loans and leases to core deposits | 54.1781% | 3,683 |
| Total domestic deposits to total assets | 88.4150% | 2,420 |
| Equity capital to assets | 11.4409% | 1,048 |
| Core capital (leverage) ratio | 13.0882% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,057,000 | 4,119 |
| Average earning assets | $83,042,667 | 4,088 |
| Average equity | $10,384,000 | 3,943 |
| Average total loans | $37,351,000 | 4,188 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8981% | 3,541 |
| Cost of funding earning assets | 0.2643% | 1,984 |
| Net interest margin | 2.6338% | 3,574 |
| Noninterest income to average assets | 0.1599% | 4,194 |
| Noninterest expense to average assets | 1.0967% | 4,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3618% | 879 |
| Return on assets (ROA) | 1.3618% | 866 |
| Pretax return on assets | 1.5674% | 885 |
| Return on Equity (ROE) | 11.1920% | 1,553 |
| Retained earnings to average equity (ytd only) | 11.1920% | 748 |
| Net charge-offs to loans | 0.2591% | 248 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 14.9130% | 1,361 |
| Efficiency ratio | 41.1664% | 4,621 |
| Assets per employee ($millions) | 8.8379% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2034% | 132 |
| Loan loss allowance to noncurrent loans | 110.5607% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.2107% | 362 |
| Noncurrent loans to loans | 2.8975% | 189 |
| Net loans and leases to total assets | 40.4463% | 3,982 |
| Net loans and leases to deposits | 45.7508% | 3,991 |
| Net loans and leases to core deposits | 47.2962% | 4,017 |
| Total domestic deposits to total assets | 88.4056% | 2,334 |
| Equity capital to assets | 11.4643% | 1,136 |
| Core capital (leverage) ratio | 13.1744% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,534,000 | 4,127 |
| Average earning assets | $83,227,000 | 4,100 |
| Average equity | $10,650,500 | 3,986 |
| Average total loans | $35,502,500 | 4,242 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1255% | 3,634 |
| Cost of funding earning assets | 0.3180% | 2,216 |
| Net interest margin | 2.8075% | 3,646 |
| Noninterest income to average assets | 0.1844% | 4,233 |
| Noninterest expense to average assets | 1.4476% | 4,589 |
| Loan and lease loss provision to assets | 0.3158% | 249 |
| Net operating income to assets | 1.0699% | 2,416 |
| Return on assets (ROA) | 1.0699% | 2,487 |
| Pretax return on assets | 1.0863% | 3,015 |
| Return on Equity (ROE) | 7.4708% | 3,384 |
| Retained earnings to average equity (ytd only) | 4.7365% | 2,898 |
| Net charge-offs to loans | -0.0373% | 4,196 |
| Credit loss provision to net charge-offs | -2,083.3333% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7979% | 4,222 |
| Assets per employee ($millions) | 7.8808% | 1,397 |
| Cash dividends to net income (ytd only)* | 36.5998% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5391% | 97 |
| Loan loss allowance to noncurrent loans | 124.8447% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.2920% | 361 |
| Noncurrent loans to loans | 2.8348% | 216 |
| Net loans and leases to total assets | 37.9172% | 4,194 |
| Net loans and leases to deposits | 43.6173% | 4,196 |
| Net loans and leases to core deposits | 45.1461% | 4,226 |
| Total domestic deposits to total assets | 86.9314% | 2,549 |
| Equity capital to assets | 12.8840% | 935 |
| Core capital (leverage) ratio | 13.4183% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,167,200 | 4,229 |
| Average earning assets | $75,156,000 | 4,195 |
| Average equity | $11,337,400 | 4,000 |
| Average total loans | $32,149,600 | 4,332 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1566% | 3,687 |
| Cost of funding earning assets | 0.3229% | 2,373 |
| Net interest margin | 2.8337% | 3,700 |
| Noninterest income to average assets | 0.1794% | 4,302 |
| Noninterest expense to average assets | 1.2835% | 4,762 |
| Loan and lease loss provision to assets | 0.3455% | 207 |
| Net operating income to assets | 1.2283% | 2,071 |
| Return on assets (ROA) | 1.2283% | 2,131 |
| Pretax return on assets | 1.2455% | 2,785 |
| Return on Equity (ROE) | 8.3423% | 3,298 |
| Retained earnings to average equity (ytd only) | 6.5848% | 2,582 |
| Net charge-offs to loans | -0.0253% | 4,066 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6579% | 4,556 |
| Assets per employee ($millions) | 8.1571% | 1,202 |
| Cash dividends to net income (ytd only)* | 21.0674% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4956% | 107 |
| Loan loss allowance to noncurrent loans | 103.6937% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.3608% | 399 |
| Noncurrent loans to loans | 3.3711% | 173 |
| Net loans and leases to total assets | 38.9550% | 4,255 |
| Net loans and leases to deposits | 45.4469% | 4,253 |
| Net loans and leases to core deposits | 47.1678% | 4,275 |
| Total domestic deposits to total assets | 85.7155% | 2,863 |
| Equity capital to assets | 14.0969% | 714 |
| Core capital (leverage) ratio | 14.2956% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,286,750 | 4,313 |
| Average earning assets | $73,495,500 | 4,268 |
| Average equity | $11,379,500 | 4,047 |
| Average total loans | $31,668,000 | 4,408 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2680% | 3,512 |
| Cost of funding earning assets | 0.3368% | 2,433 |
| Net interest margin | 2.9312% | 3,499 |
| Noninterest income to average assets | 0.1661% | 4,370 |
| Noninterest expense to average assets | 1.2075% | 4,821 |
| Loan and lease loss provision to assets | 0.1977% | 563 |
| Net operating income to assets | 1.5186% | 1,247 |
| Return on assets (ROA) | 1.5186% | 1,311 |
| Pretax return on assets | 1.5371% | 1,908 |
| Return on Equity (ROE) | 10.1590% | 2,694 |
| Retained earnings to average equity (ytd only) | 7.5134% | 2,245 |
| Net charge-offs to loans | -0.0384% | 4,254 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0394% | 4,721 |
| Assets per employee ($millions) | 7.8207% | 1,292 |
| Cash dividends to net income (ytd only)* | 26.0417% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2582% | 123 |
| Loan loss allowance to noncurrent loans | 113.0099% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.1597% | 603 |
| Noncurrent loans to loans | 2.8831% | 257 |
| Net loans and leases to total assets | 38.9147% | 4,334 |
| Net loans and leases to deposits | 45.6679% | 4,319 |
| Net loans and leases to core deposits | 47.2761% | 4,355 |
| Total domestic deposits to total assets | 85.2123% | 3,010 |
| Equity capital to assets | 14.5882% | 603 |
| Core capital (leverage) ratio | 14.3965% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,858,667 | 4,349 |
| Average earning assets | $71,848,333 | 4,318 |
| Average equity | $11,339,667 | 4,058 |
| Average total loans | $31,248,333 | 4,448 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3220% | 3,400 |
| Cost of funding earning assets | 0.3565% | 2,476 |
| Net interest margin | 2.9655% | 3,344 |
| Noninterest income to average assets | 0.1660% | 4,369 |
| Noninterest expense to average assets | 1.1462% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8103% | 773 |
| Return on assets (ROA) | 1.8103% | 824 |
| Pretax return on assets | 1.8263% | 1,243 |
| Return on Equity (ROE) | 11.9593% | 2,034 |
| Retained earnings to average equity (ytd only) | 11.9593% | 1,159 |
| Net charge-offs to loans | -0.0257% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5586% | 4,795 |
| Assets per employee ($millions) | 7.0140% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0788% | 135 |
| Loan loss allowance to noncurrent loans | 87.6852% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.3998% | 476 |
| Noncurrent loans to loans | 3.5112% | 188 |
| Net loans and leases to total assets | 38.6396% | 4,403 |
| Net loans and leases to deposits | 45.4347% | 4,379 |
| Net loans and leases to core deposits | 47.0592% | 4,403 |
| Total domestic deposits to total assets | 85.0442% | 3,074 |
| Equity capital to assets | 14.7406% | 534 |
| Core capital (leverage) ratio | 15.1633% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,684,500 | 4,380 |
| Average earning assets | $70,679,500 | 4,351 |
| Average equity | $11,305,000 | 4,074 |
| Average total loans | $31,143,000 | 4,471 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6164% | 3,767 |
| Cost of funding earning assets | 0.4568% | 3,244 |
| Net interest margin | 3.1596% | 3,469 |
| Noninterest income to average assets | 0.1926% | 4,323 |
| Noninterest expense to average assets | 1.5940% | 4,712 |
| Loan and lease loss provision to assets | 0.3619% | 928 |
| Net operating income to assets | 1.2335% | 1,436 |
| Return on assets (ROA) | 1.2335% | 1,542 |
| Pretax return on assets | 1.2509% | 2,153 |
| Return on Equity (ROE) | 7.6370% | 2,949 |
| Retained earnings to average equity (ytd only) | 3.0835% | 3,310 |
| Net charge-offs to loans | 0.1647% | 1,002 |
| Credit loss provision to net charge-offs | 510.2041% | 1,235 |
| Earnings coverage of net charge-offs (x) | 22.7347% | 1,838 |
| Efficiency ratio | 49.7065% | 4,550 |
| Assets per employee ($millions) | 6.5650% | 1,877 |
| Cash dividends to net income (ytd only)* | 59.6244% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9943% | 147 |
| Loan loss allowance to noncurrent loans | 76.0677% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.7185% | 375 |
| Noncurrent loans to loans | 3.9363% | 144 |
| Net loans and leases to total assets | 42.3499% | 4,331 |
| Net loans and leases to deposits | 50.3035% | 4,303 |
| Net loans and leases to core deposits | 52.2483% | 4,325 |
| Total domestic deposits to total assets | 84.1889% | 3,056 |
| Equity capital to assets | 15.5605% | 479 |
| Core capital (leverage) ratio | 15.2581% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,072,600 | 4,399 |
| Average earning assets | $65,893,800 | 4,355 |
| Average equity | $11,156,200 | 4,059 |
| Average total loans | $29,742,200 | 4,522 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6519% | 3,909 |
| Cost of funding earning assets | 0.4751% | 3,390 |
| Net interest margin | 3.1768% | 3,549 |
| Noninterest income to average assets | 0.1913% | 4,331 |
| Noninterest expense to average assets | 1.4214% | 4,851 |
| Loan and lease loss provision to assets | 0.3412% | 1,127 |
| Net operating income to assets | 1.4527% | 991 |
| Return on assets (ROA) | 1.4527% | 1,080 |
| Pretax return on assets | 1.4702% | 1,512 |
| Return on Equity (ROE) | 8.9078% | 2,432 |
| Retained earnings to average equity (ytd only) | 7.1119% | 1,642 |
| Net charge-offs to loans | 0.0228% | 2,394 |
| Credit loss provision to net charge-offs | 3,500.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 185.6000% | 515 |
| Efficiency ratio | 43.9614% | 4,790 |
| Assets per employee ($millions) | 6.4821% | 1,850 |
| Cash dividends to net income (ytd only)* | 20.1613% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0306% | 132 |
| Loan loss allowance to noncurrent loans | 88.2979% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.4501% | 604 |
| Noncurrent loans to loans | 3.4323% | 241 |
| Net loans and leases to total assets | 40.9702% | 4,534 |
| Net loans and leases to deposits | 49.0414% | 4,516 |
| Net loans and leases to core deposits | 50.9763% | 4,552 |
| Total domestic deposits to total assets | 83.5421% | 2,976 |
| Equity capital to assets | 16.1915% | 447 |
| Core capital (leverage) ratio | 15.6367% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6077% | 193 |
| Memoranda: | ||
| Average total assets | $68,287,000 | 4,420 |
| Average earning assets | $65,388,750 | 4,376 |
| Average equity | $11,136,000 | 4,071 |
| Average total loans | $29,296,000 | 4,554 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6713% | 4,142 |
| Cost of funding earning assets | 0.4944% | 3,570 |
| Net interest margin | 3.1768% | 3,728 |
| Noninterest income to average assets | 0.2170% | 4,185 |
| Noninterest expense to average assets | 1.3406% | 4,928 |
| Loan and lease loss provision to assets | 0.2973% | 1,449 |
| Net operating income to assets | 1.6171% | 735 |
| Return on assets (ROA) | 1.6171% | 804 |
| Pretax return on assets | 1.6349% | 1,142 |
| Return on Equity (ROE) | 9.8912% | 2,017 |
| Retained earnings to average equity (ytd only) | 7.1639% | 1,588 |
| Net charge-offs to loans | 0.0207% | 2,310 |
| Credit loss provision to net charge-offs | 3,333.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 216.6667% | 416 |
| Efficiency ratio | 40.9628% | 4,893 |
| Assets per employee ($millions) | 6.9130% | 1,491 |
| Cash dividends to net income (ytd only)* | 27.5735% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8629% | 155 |
| Loan loss allowance to noncurrent loans | 134.8875% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8998% | 1,362 |
| Noncurrent loans to loans | 2.1224% | 605 |
| Net loans and leases to total assets | 41.1789% | 4,559 |
| Net loans and leases to deposits | 49.4408% | 4,552 |
| Net loans and leases to core deposits | 51.4597% | 4,587 |
| Total domestic deposits to total assets | 83.2895% | 2,999 |
| Equity capital to assets | 16.4371% | 417 |
| Core capital (leverage) ratio | 16.2711% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,281,667 | 4,441 |
| Average earning assets | $64,718,667 | 4,394 |
| Average equity | $10,999,667 | 4,094 |
| Average total loans | $29,019,333 | 4,580 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7065% | 4,382 |
| Cost of funding earning assets | 0.5108% | 3,889 |
| Net interest margin | 3.1957% | 3,868 |
| Noninterest income to average assets | 0.1869% | 4,431 |
| Noninterest expense to average assets | 1.2659% | 5,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9953% | 269 |
| Return on assets (ROA) | 1.9953% | 297 |
| Pretax return on assets | 2.0133% | 436 |
| Return on Equity (ROE) | 12.2389% | 1,046 |
| Retained earnings to average equity (ytd only) | 12.2389% | 395 |
| Net charge-offs to loans | 0.1801% | 745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 25.6923% | 1,278 |
| Efficiency ratio | 38.6029% | 5,002 |
| Assets per employee ($millions) | 6.6045% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5018% | 246 |
| Loan loss allowance to noncurrent loans | 145.7086% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7586% | 1,781 |
| Noncurrent loans to loans | 1.7170% | 883 |
| Net loans and leases to total assets | 43.0752% | 4,545 |
| Net loans and leases to deposits | 51.8858% | 4,525 |
| Net loans and leases to core deposits | 54.1133% | 4,565 |
| Total domestic deposits to total assets | 83.0192% | 3,107 |
| Equity capital to assets | 16.6826% | 484 |
| Core capital (leverage) ratio | 16.3976% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,357,500 | 4,461 |
| Average earning assets | $64,211,500 | 4,416 |
| Average equity | $10,818,000 | 4,131 |
| Average total loans | $28,876,000 | 4,618 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7417% | 4,637 |
| Cost of funding earning assets | 0.4834% | 4,158 |
| Net interest margin | 3.2583% | 4,064 |
| Noninterest income to average assets | 0.1999% | 4,462 |
| Noninterest expense to average assets | 1.8253% | 4,745 |
| Loan and lease loss provision to assets | 0.1526% | 1,387 |
| Net operating income to assets | 1.3278% | 1,589 |
| Return on assets (ROA) | 1.3278% | 1,667 |
| Pretax return on assets | 1.3491% | 2,330 |
| Return on Equity (ROE) | 8.3083% | 3,037 |
| Retained earnings to average equity (ytd only) | 3.4379% | 3,289 |
| Net charge-offs to loans | 0.1293% | 1,475 |
| Credit loss provision to net charge-offs | 277.7778% | 1,016 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,670 |
| Efficiency ratio | 54.8624% | 4,333 |
| Assets per employee ($millions) | 6.6670% | 1,200 |
| Cash dividends to net income (ytd only)* | 58.6207% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6004% | 186 |
| Loan loss allowance to noncurrent loans | 238.9068% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 2,539 |
| Noncurrent loans to loans | 1.0884% | 1,389 |
| Net loans and leases to total assets | 41.7429% | 4,682 |
| Net loans and leases to deposits | 49.8611% | 4,692 |
| Net loans and leases to core deposits | 52.3543% | 4,694 |
| Total domestic deposits to total assets | 83.7183% | 2,942 |
| Equity capital to assets | 15.9262% | 620 |
| Core capital (leverage) ratio | 15.9649% | 525 |
| Tier 1 risk-based capital ratio | 30.4575% | 458 |
| Total risk-based capital ratio | 31.7229% | 451 |
| Memoranda: | ||
| Average total assets | $65,524,200 | 4,505 |
| Average earning assets | $62,885,400 | 4,461 |
| Average equity | $10,471,400 | 4,179 |
| Average total loans | $27,852,400 | 4,685 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7434% | 4,737 |
| Cost of funding earning assets | 0.4679% | 4,272 |
| Net interest margin | 3.2755% | 4,136 |
| Noninterest income to average assets | 0.1942% | 4,557 |
| Noninterest expense to average assets | 1.6616% | 4,956 |
| Loan and lease loss provision to assets | 0.2044% | 861 |
| Net operating income to assets | 1.4388% | 1,355 |
| Return on assets (ROA) | 1.4388% | 1,411 |
| Pretax return on assets | 1.4613% | 2,074 |
| Return on Equity (ROE) | 8.9953% | 2,889 |
| Retained earnings to average equity (ytd only) | 7.0788% | 1,828 |
| Net charge-offs to loans | 0.0096% | 3,028 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 406.9813% | 242 |
| Efficiency ratio | 49.9386% | 4,749 |
| Assets per employee ($millions) | 6.5080% | 1,267 |
| Cash dividends to net income (ytd only)* | 21.3074% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7371% | 165 |
| Loan loss allowance to noncurrent loans | 215.2355% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 2,341 |
| Noncurrent loans to loans | 1.2717% | 1,228 |
| Net loans and leases to total assets | 42.4262% | 4,744 |
| Net loans and leases to deposits | 51.1154% | 4,741 |
| Net loans and leases to core deposits | 53.7566% | 4,753 |
| Total domestic deposits to total assets | 83.0009% | 3,170 |
| Equity capital to assets | 16.6242% | 537 |
| Core capital (leverage) ratio | 16.5402% | 498 |
| Tier 1 risk-based capital ratio | 34.1891% | 367 |
| Total risk-based capital ratio | 35.4552% | 361 |
| Memoranda: | ||
| Average total assets | $65,237,750 | 4,566 |
| Average earning assets | $62,401,500 | 4,524 |
| Average equity | $10,434,750 | 4,232 |
| Average total loans | $27,672,250 | 4,758 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7131% | 4,818 |
| Cost of funding earning assets | 0.4509% | 4,320 |
| Net interest margin | 3.2622% | 4,217 |
| Noninterest income to average assets | 0.1899% | 4,619 |
| Noninterest expense to average assets | 1.4673% | 5,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8042% | 586 |
| Return on assets (ROA) | 1.8042% | 610 |
| Pretax return on assets | 1.8257% | 979 |
| Return on Equity (ROE) | 11.4295% | 1,814 |
| Retained earnings to average equity (ytd only) | 8.5188% | 1,197 |
| Net charge-offs to loans | -0.0437% | 4,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5581% | 5,046 |
| Assets per employee ($millions) | 5.9981% | 1,545 |
| Cash dividends to net income (ytd only)* | 25.4669% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4992% | 222 |
| Loan loss allowance to noncurrent loans | 174.3003% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 2,235 |
| Noncurrent loans to loans | 1.4338% | 1,078 |
| Net loans and leases to total assets | 40.5038% | 4,831 |
| Net loans and leases to deposits | 48.5397% | 4,835 |
| Net loans and leases to core deposits | 50.6098% | 4,856 |
| Total domestic deposits to total assets | 83.4447% | 3,063 |
| Equity capital to assets | 16.1764% | 589 |
| Core capital (leverage) ratio | 16.3191% | 506 |
| Tier 1 risk-based capital ratio | 31.4171% | 440 |
| Total risk-based capital ratio | 32.6827% | 432 |
| Memoranda: | ||
| Average total assets | $65,290,330 | 4,604 |
| Average earning assets | $62,104,670 | 4,562 |
| Average equity | $10,306,670 | 4,261 |
| Average total loans | $27,433,670 | 4,800 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6565% | 4,899 |
| Cost of funding earning assets | 0.4264% | 4,373 |
| Net interest margin | 3.2301% | 4,326 |
| Noninterest income to average assets | 0.1663% | 4,742 |
| Noninterest expense to average assets | 1.3858% | 5,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8354% | 520 |
| Return on assets (ROA) | 1.8354% | 534 |
| Pretax return on assets | 1.8600% | 861 |
| Return on Equity (ROE) | 11.7746% | 1,627 |
| Retained earnings to average equity (ytd only) | 11.7746% | 660 |
| Net charge-offs to loans | -0.0583% | 4,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6945% | 5,144 |
| Assets per employee ($millions) | 6.0106% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5391% | 234 |
| Loan loss allowance to noncurrent loans | 355.2083% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 3,443 |
| Noncurrent loans to loans | 0.7148% | 2,236 |
| Net loans and leases to total assets | 39.5934% | 4,901 |
| Net loans and leases to deposits | 47.1616% | 4,892 |
| Net loans and leases to core deposits | 49.1532% | 4,914 |
| Total domestic deposits to total assets | 83.9527% | 3,061 |
| Equity capital to assets | 15.6662% | 625 |
| Core capital (leverage) ratio | 16.2849% | 501 |
| Tier 1 risk-based capital ratio | 31.7382% | 419 |
| Total risk-based capital ratio | 33.0033% | 413 |
| Memoranda: | ||
| Average total assets | $64,946,000 | 4,659 |
| Average earning assets | $61,917,000 | 4,615 |
| Average equity | $10,123,500 | 4,311 |
| Average total loans | $27,446,000 | 4,853 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6045% | 4,793 |
| Cost of funding earning assets | 0.3291% | 4,414 |
| Net interest margin | 3.2755% | 4,322 |
| Noninterest income to average assets | 0.2076% | 4,678 |
| Noninterest expense to average assets | 1.7651% | 5,036 |
| Loan and lease loss provision to assets | 0.0805% | 2,517 |
| Net operating income to assets | 1.4578% | 1,249 |
| Return on assets (ROA) | 1.4578% | 1,240 |
| Pretax return on assets | 1.4690% | 1,874 |
| Return on Equity (ROE) | 9.2466% | 2,863 |
| Retained earnings to average equity (ytd only) | 3.9905% | 3,377 |
| Net charge-offs to loans | -0.0556% | 5,008 |
| Credit loss provision to net charge-offs | -333.3333% | 4,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2524% | 4,691 |
| Assets per employee ($millions) | 5.7977% | 1,678 |
| Cash dividends to net income (ytd only)* | 56.8433% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4187% | 249 |
| Loan loss allowance to noncurrent loans | 344.1624% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 3,328 |
| Noncurrent loans to loans | 0.7028% | 2,235 |
| Net loans and leases to total assets | 42.8914% | 4,848 |
| Net loans and leases to deposits | 51.0269% | 4,852 |
| Net loans and leases to core deposits | 53.2593% | 4,870 |
| Total domestic deposits to total assets | 84.0564% | 2,981 |
| Equity capital to assets | 15.5061% | 615 |
| Core capital (leverage) ratio | 16.0263% | 507 |
| Tier 1 risk-based capital ratio | 30.5822% | 448 |
| Total risk-based capital ratio | 31.8466% | 440 |
| Memoranda: | ||
| Average total assets | $62,150,400 | 4,714 |
| Average earning assets | $58,953,400 | 4,693 |
| Average equity | $9,798,200 | 4,335 |
| Average total loans | $26,984,200 | 4,888 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5471% | 4,877 |
| Cost of funding earning assets | 0.2939% | 4,560 |
| Net interest margin | 3.2532% | 4,393 |
| Noninterest income to average assets | 0.2008% | 4,768 |
| Noninterest expense to average assets | 1.5116% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7621% | 649 |
| Return on assets (ROA) | 1.7621% | 649 |
| Pretax return on assets | 1.7729% | 1,080 |
| Return on Equity (ROE) | 11.1296% | 2,130 |
| Retained earnings to average equity (ytd only) | 9.0837% | 1,186 |
| Net charge-offs to loans | 0.1148% | 1,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 35.6909% | 1,445 |
| Efficiency ratio | 46.0224% | 5,146 |
| Assets per employee ($millions) | 6.3405% | 1,262 |
| Cash dividends to net income (ytd only)* | 18.3829% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1407% | 396 |
| Loan loss allowance to noncurrent loans | 134.7032% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6908% | 2,130 |
| Noncurrent loans to loans | 1.5892% | 1,000 |
| Net loans and leases to total assets | 42.5377% | 4,933 |
| Net loans and leases to deposits | 50.7948% | 4,928 |
| Net loans and leases to core deposits | 53.0372% | 4,936 |
| Total domestic deposits to total assets | 83.7442% | 3,030 |
| Equity capital to assets | 15.8189% | 568 |
| Core capital (leverage) ratio | 16.8818% | 433 |
| Tier 1 risk-based capital ratio | 31.3349% | 420 |
| Total risk-based capital ratio | 32.5963% | 415 |
| Memoranda: | ||
| Average total assets | $61,744,250 | 4,777 |
| Average earning assets | $58,526,000 | 4,747 |
| Average equity | $9,775,500 | 4,372 |
| Average total loans | $26,722,250 | 4,949 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4953% | 4,931 |
| Cost of funding earning assets | 0.2720% | 4,619 |
| Net interest margin | 3.2232% | 4,454 |
| Noninterest income to average assets | 0.2026% | 4,805 |
| Noninterest expense to average assets | 1.4904% | 5,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7584% | 638 |
| Return on assets (ROA) | 1.7584% | 641 |
| Pretax return on assets | 1.7715% | 1,029 |
| Return on Equity (ROE) | 11.1035% | 2,068 |
| Retained earnings to average equity (ytd only) | 8.0077% | 1,630 |
| Net charge-offs to loans | 0.2042% | 782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 20.0741% | 1,826 |
| Efficiency ratio | 45.6914% | 5,224 |
| Assets per employee ($millions) | 6.1744% | 1,348 |
| Cash dividends to net income (ytd only)* | 27.8810% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1439% | 411 |
| Loan loss allowance to noncurrent loans | 327.3743% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 3,609 |
| Noncurrent loans to loans | 0.6549% | 2,471 |
| Net loans and leases to total assets | 43.3208% | 4,938 |
| Net loans and leases to deposits | 51.8011% | 4,923 |
| Net loans and leases to core deposits | 53.0830% | 4,955 |
| Total domestic deposits to total assets | 83.6292% | 3,208 |
| Equity capital to assets | 15.9076% | 513 |
| Core capital (leverage) ratio | 16.5279% | 444 |
| Tier 1 risk-based capital ratio | 31.0286% | 444 |
| Total risk-based capital ratio | 32.2841% | 438 |
| Memoranda: | ||
| Average total assets | $61,190,670 | 4,850 |
| Average earning assets | $58,078,670 | 4,815 |
| Average equity | $9,690,670 | 4,427 |
| Average total loans | $26,442,670 | 5,012 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4506% | 4,951 |
| Cost of funding earning assets | 0.2638% | 4,625 |
| Net interest margin | 3.1868% | 4,514 |
| Noninterest income to average assets | 0.2101% | 4,759 |
| Noninterest expense to average assets | 1.3659% | 5,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8452% | 517 |
| Return on assets (ROA) | 1.8452% | 517 |
| Pretax return on assets | 1.8584% | 803 |
| Return on Equity (ROE) | 11.6779% | 1,697 |
| Retained earnings to average equity (ytd only) | 11.6779% | 747 |
| Net charge-offs to loans | -0.2000% | 5,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3625% | 5,392 |
| Assets per employee ($millions) | 6.1933% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3933% | 288 |
| Loan loss allowance to noncurrent loans | 315.0754% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 3,545 |
| Noncurrent loans to loans | 0.7596% | 2,300 |
| Net loans and leases to total assets | 41.2882% | 5,013 |
| Net loans and leases to deposits | 49.2546% | 4,993 |
| Net loans and leases to core deposits | 50.4668% | 5,029 |
| Total domestic deposits to total assets | 83.8261% | 3,398 |
| Equity capital to assets | 15.6944% | 538 |
| Core capital (leverage) ratio | 16.4689% | 436 |
| Tier 1 risk-based capital ratio | 30.3096% | 461 |
| Total risk-based capital ratio | 31.5734% | 456 |
| Memoranda: | ||
| Average total assets | $60,914,000 | 4,907 |
| Average earning assets | $57,613,000 | 4,882 |
| Average equity | $9,625,000 | 4,482 |
| Average total loans | $25,997,000 | 5,076 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3005% | 5,083 |
| Cost of funding earning assets | 0.2659% | 4,426 |
| Net interest margin | 3.0346% | 4,814 |
| Noninterest income to average assets | 0.8035% | 1,553 |
| Noninterest expense to average assets | 1.7647% | 5,269 |
| Loan and lease loss provision to assets | 0.2905% | 599 |
| Net operating income to assets | 1.5821% | 677 |
| Return on assets (ROA) | 1.5821% | 688 |
| Pretax return on assets | 1.5904% | 1,320 |
| Return on Equity (ROE) | 10.2150% | 1,801 |
| Retained earnings to average equity (ytd only) | 7.9641% | 781 |
| Net charge-offs to loans | 0.1423% | 1,650 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 32.3714% | 1,466 |
| Efficiency ratio | 48.4062% | 5,294 |
| Assets per employee ($millions) | 5.9895% | 1,522 |
| Cash dividends to net income (ytd only)* | 22.0357% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3763% | 287 |
| Loan loss allowance to noncurrent loans | 334.9727% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 3,663 |
| Noncurrent loans to loans | 0.7094% | 2,432 |
| Net loans and leases to total assets | 42.0452% | 5,063 |
| Net loans and leases to deposits | 50.3107% | 5,051 |
| Net loans and leases to core deposits | 51.5960% | 5,080 |
| Total domestic deposits to total assets | 83.5712% | 3,368 |
| Equity capital to assets | 15.9112% | 528 |
| Core capital (leverage) ratio | 15.7412% | 507 |
| Tier 1 risk-based capital ratio | 29.6790% | 471 |
| Total risk-based capital ratio | 30.9342% | 464 |
| Memoranda: | ||
| Average total assets | $60,238,200 | 4,962 |
| Average earning assets | $56,416,200 | 4,939 |
| Average equity | $9,329,400 | 4,552 |
| Average total loans | $24,601,600 | 5,174 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2042% | 5,223 |
| Cost of funding earning assets | 0.2595% | 4,486 |
| Net interest margin | 2.9447% | 5,027 |
| Noninterest income to average assets | 0.9836% | 1,063 |
| Noninterest expense to average assets | 1.5383% | 5,493 |
| Loan and lease loss provision to assets | 0.2763% | 592 |
| Net operating income to assets | 1.9207% | 370 |
| Return on assets (ROA) | 1.9207% | 373 |
| Pretax return on assets | 1.9273% | 643 |
| Return on Equity (ROE) | 12.4864% | 1,192 |
| Retained earnings to average equity (ytd only) | 12.4864% | 261 |
| Net charge-offs to loans | 0.1591% | 1,286 |
| Credit loss provision to net charge-offs | 431.0345% | 724 |
| Earnings coverage of net charge-offs (x) | 34.3755% | 1,445 |
| Efficiency ratio | 41.1105% | 5,553 |
| Assets per employee ($millions) | 5.5653% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1554% | 437 |
| Loan loss allowance to noncurrent loans | 470.2479% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 4,303 |
| Noncurrent loans to loans | 0.4584% | 3,334 |
| Net loans and leases to total assets | 42.1935% | 5,108 |
| Net loans and leases to deposits | 50.6242% | 5,100 |
| Net loans and leases to core deposits | 51.8925% | 5,142 |
| Total domestic deposits to total assets | 83.3464% | 3,345 |
| Equity capital to assets | 16.0819% | 529 |
| Core capital (leverage) ratio | 16.3922% | 445 |
| Tier 1 risk-based capital ratio | 29.9131% | 476 |
| Total risk-based capital ratio | 31.1680% | 474 |
| Memoranda: | ||
| Average total assets | $60,324,000 | 5,015 |
| Average earning assets | $56,507,250 | 4,996 |
| Average equity | $9,279,250 | 4,616 |
| Average total loans | $24,303,000 | 5,236 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1478% | 5,306 |
| Cost of funding earning assets | 0.2605% | 4,463 |
| Net interest margin | 2.8872% | 5,120 |
| Noninterest income to average assets | 0.2965% | 4,418 |
| Noninterest expense to average assets | 1.5060% | 5,563 |
| Loan and lease loss provision to assets | 0.1999% | 922 |
| Net operating income to assets | 1.2828% | 1,345 |
| Return on assets (ROA) | 1.2828% | 1,372 |
| Pretax return on assets | 1.2861% | 2,439 |
| Return on Equity (ROE) | 8.4702% | 2,787 |
| Retained earnings to average equity (ytd only) | 8.4702% | 1,003 |
| Net charge-offs to loans | -0.0424% | 5,099 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3341% | 5,286 |
| Assets per employee ($millions) | 5.5172% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2486% | 401 |
| Loan loss allowance to noncurrent loans | 210.9804% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 3,434 |
| Noncurrent loans to loans | 1.0658% | 1,838 |
| Net loans and leases to total assets | 38.5375% | 5,284 |
| Net loans and leases to deposits | 45.8678% | 5,284 |
| Net loans and leases to core deposits | 47.0858% | 5,311 |
| Total domestic deposits to total assets | 84.0185% | 3,189 |
| Equity capital to assets | 15.4196% | 630 |
| Core capital (leverage) ratio | 15.4900% | 545 |
| Tier 1 risk-based capital ratio | 29.7089% | 478 |
| Total risk-based capital ratio | 30.9629% | 473 |
| Memoranda: | ||
| Average total assets | $60,026,000 | 5,053 |
| Average earning assets | $56,040,000 | 5,049 |
| Average equity | $9,090,670 | 4,670 |
| Average total loans | $23,604,330 | 5,299 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0964% | 5,368 |
| Cost of funding earning assets | 0.2652% | 4,406 |
| Net interest margin | 2.8312% | 5,200 |
| Noninterest income to average assets | 0.2948% | 4,442 |
| Noninterest expense to average assets | 1.4340% | 5,673 |
| Loan and lease loss provision to assets | 0.4020% | 281 |
| Net operating income to assets | 1.0989% | 1,878 |
| Return on assets (ROA) | 1.0989% | 1,919 |
| Pretax return on assets | 1.1056% | 2,959 |
| Return on Equity (ROE) | 7.3239% | 3,252 |
| Retained earnings to average equity (ytd only) | 7.3239% | 1,732 |
| Net charge-offs to loans | -0.0341% | 4,992 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7472% | 5,431 |
| Assets per employee ($millions) | 5.5207% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2871% | 420 |
| Loan loss allowance to noncurrent loans | 206.1776% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 3,477 |
| Noncurrent loans to loans | 1.1093% | 1,843 |
| Net loans and leases to total assets | 37.5675% | 5,344 |
| Net loans and leases to deposits | 44.4717% | 5,354 |
| Net loans and leases to core deposits | 45.6472% | 5,373 |
| Total domestic deposits to total assets | 84.4750% | 3,299 |
| Equity capital to assets | 14.9602% | 664 |
| Core capital (leverage) ratio | 15.3640% | 545 |
| Tier 1 risk-based capital ratio | 29.3208% | 505 |
| Total risk-based capital ratio | 30.5815% | 503 |
| Memoranda: | ||
| Average total assets | $59,694,500 | 5,119 |
| Average earning assets | $55,806,000 | 5,110 |
| Average equity | $8,957,000 | 4,725 |
| Average total loans | $23,443,500 | 5,352 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0991% | 5,404 |
| Cost of funding earning assets | 0.2866% | 4,204 |
| Net interest margin | 2.8125% | 5,271 |
| Noninterest income to average assets | 0.2884% | 4,673 |
| Noninterest expense to average assets | 1.8408% | 5,439 |
| Loan and lease loss provision to assets | 0.3224% | 560 |
| Net operating income to assets | 0.6837% | 3,854 |
| Return on assets (ROA) | 0.6837% | 3,968 |
| Pretax return on assets | 0.6888% | 4,525 |
| Return on Equity (ROE) | 4.5622% | 4,633 |
| Retained earnings to average equity (ytd only) | 3.9056% | 3,146 |
| Net charge-offs to loans | 0.9747% | 192 |
| Credit loss provision to net charge-offs | 85.2018% | 2,893 |
| Earnings coverage of net charge-offs (x) | 2.6726% | 3,788 |
| Efficiency ratio | 64.5449% | 3,846 |
| Assets per employee ($millions) | 5.3328% | 2,023 |
| Cash dividends to net income (ytd only)* | 14.3921% | 3,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0052% | 650 |
| Loan loss allowance to noncurrent loans | 178.7879% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 3,465 |
| Noncurrent loans to loans | 1.1215% | 1,838 |
| Net loans and leases to total assets | 39.3225% | 5,345 |
| Net loans and leases to deposits | 46.6245% | 5,345 |
| Net loans and leases to core deposits | 47.9046% | 5,373 |
| Total domestic deposits to total assets | 84.3388% | 3,296 |
| Equity capital to assets | 15.0509% | 633 |
| Core capital (leverage) ratio | 15.4086% | 541 |
| Tier 1 risk-based capital ratio | 29.5871% | 494 |
| Total risk-based capital ratio | 30.8465% | 490 |
| Memoranda: | ||
| Average total assets | $58,941,000 | 5,164 |
| Average earning assets | $53,725,200 | 5,176 |
| Average equity | $8,833,400 | 4,788 |
| Average total loans | $22,878,800 | 5,420 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0830% | 5,485 |
| Cost of funding earning assets | 0.2837% | 4,268 |
| Net interest margin | 2.7993% | 5,361 |
| Noninterest income to average assets | 0.2802% | 4,764 |
| Noninterest expense to average assets | 1.6132% | 5,680 |
| Loan and lease loss provision to assets | 0.3389% | 478 |
| Net operating income to assets | 0.8653% | 3,073 |
| Return on assets (ROA) | 0.8653% | 3,199 |
| Pretax return on assets | 0.8699% | 4,078 |
| Return on Equity (ROE) | 5.7802% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.7802% | 2,313 |
| Net charge-offs to loans | 0.6633% | 296 |
| Credit loss provision to net charge-offs | 132.7434% | 1,950 |
| Earnings coverage of net charge-offs (x) | 4.7346% | 3,232 |
| Efficiency ratio | 57.1657% | 4,936 |
| Assets per employee ($millions) | 5.5105% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3401% | 411 |
| Loan loss allowance to noncurrent loans | 104.4402% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.8546% | 2,423 |
| Noncurrent loans to loans | 2.2406% | 828 |
| Net loans and leases to total assets | 37.2476% | 5,501 |
| Net loans and leases to deposits | 44.1089% | 5,513 |
| Net loans and leases to core deposits | 45.2810% | 5,541 |
| Total domestic deposits to total assets | 84.4447% | 3,044 |
| Equity capital to assets | 14.9515% | 751 |
| Core capital (leverage) ratio | 15.6638% | 533 |
| Tier 1 risk-based capital ratio | 29.6745% | 495 |
| Total risk-based capital ratio | 30.9356% | 483 |
| Memoranda: | ||
| Average total assets | $59,011,000 | 5,207 |
| Average earning assets | $53,582,750 | 5,224 |
| Average equity | $8,834,500 | 4,831 |
| Average total loans | $22,713,750 | 5,480 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1042% | 5,539 |
| Cost of funding earning assets | 0.2918% | 4,229 |
| Net interest margin | 2.8123% | 5,405 |
| Noninterest income to average assets | 0.2770% | 4,798 |
| Noninterest expense to average assets | 1.5665% | 5,788 |
| Loan and lease loss provision to assets | 0.5130% | 252 |
| Net operating income to assets | 0.7285% | 3,663 |
| Return on assets (ROA) | 0.7285% | 3,815 |
| Pretax return on assets | 0.7353% | 4,511 |
| Return on Equity (ROE) | 4.8639% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.8639% | 2,815 |
| Net charge-offs to loans | 1.1515% | 149 |
| Credit loss provision to net charge-offs | 115.3846% | 1,914 |
| Earnings coverage of net charge-offs (x) | 2.8077% | 3,204 |
| Efficiency ratio | 55.6501% | 5,177 |
| Assets per employee ($millions) | 5.7357% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3316% | 444 |
| Loan loss allowance to noncurrent loans | 84.5161% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0809% | 1,960 |
| Noncurrent loans to loans | 2.7587% | 580 |
| Net loans and leases to total assets | 38.2691% | 5,503 |
| Net loans and leases to deposits | 45.6987% | 5,507 |
| Net loans and leases to core deposits | 46.9991% | 5,532 |
| Total domestic deposits to total assets | 83.7422% | 3,368 |
| Equity capital to assets | 15.6005% | 605 |
| Core capital (leverage) ratio | 15.5406% | 523 |
| Tier 1 risk-based capital ratio | 30.2275% | 485 |
| Total risk-based capital ratio | 31.4817% | 482 |
| Memoranda: | ||
| Average total assets | $58,476,000 | 5,277 |
| Average earning assets | $52,767,330 | 5,295 |
| Average equity | $8,758,330 | 4,880 |
| Average total loans | $22,578,670 | 5,547 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1424% | 5,559 |
| Cost of funding earning assets | 0.3043% | 4,113 |
| Net interest margin | 2.8380% | 5,415 |
| Noninterest income to average assets | 0.2778% | 4,734 |
| Noninterest expense to average assets | 1.4432% | 5,942 |
| Loan and lease loss provision to assets | 1.0163% | 90 |
| Net operating income to assets | 0.3388% | 5,186 |
| Return on assets (ROA) | 0.3388% | 5,275 |
| Pretax return on assets | 0.3456% | 5,413 |
| Return on Equity (ROE) | 2.3085% | 5,425 |
| Retained earnings to average equity (ytd only) | 2.3085% | 4,329 |
| Net charge-offs to loans | 2.3508% | 59 |
| Credit loss provision to net charge-offs | 112.7820% | 1,494 |
| Earnings coverage of net charge-offs (x) | 1.5113% | 2,807 |
| Efficiency ratio | 51.4493% | 5,544 |
| Assets per employee ($millions) | 5.2680% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3024% | 507 |
| Loan loss allowance to noncurrent loans | 95.4212% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.9422% | 2,350 |
| Noncurrent loans to loans | 2.4128% | 799 |
| Net loans and leases to total assets | 38.1514% | 5,549 |
| Net loans and leases to deposits | 45.2541% | 5,546 |
| Net loans and leases to core deposits | 46.5216% | 5,565 |
| Total domestic deposits to total assets | 84.3049% | 3,394 |
| Equity capital to assets | 15.0342% | 687 |
| Core capital (leverage) ratio | 14.9966% | 606 |
| Tier 1 risk-based capital ratio | 29.2846% | 535 |
| Total risk-based capital ratio | 30.5395% | 527 |
| Memoranda: | ||
| Average total assets | $59,035,500 | 5,309 |
| Average earning assets | $52,571,500 | 5,351 |
| Average equity | $8,663,500 | 4,926 |
| Average total loans | $22,631,000 | 5,602 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1652% | 5,553 |
| Cost of funding earning assets | 0.3212% | 4,013 |
| Net interest margin | 2.8440% | 5,437 |
| Noninterest income to average assets | 0.3008% | 4,729 |
| Noninterest expense to average assets | 1.8271% | 5,705 |
| Loan and lease loss provision to assets | 0.1719% | 1,331 |
| Net operating income to assets | 0.8182% | 3,256 |
| Return on assets (ROA) | 0.8182% | 3,337 |
| Pretax return on assets | 0.8285% | 4,106 |
| Return on Equity (ROE) | 5.5640% | 4,255 |
| Retained earnings to average equity (ytd only) | 4.2782% | 2,931 |
| Net charge-offs to loans | 0.8118% | 273 |
| Credit loss provision to net charge-offs | 53.1915% | 3,361 |
| Earnings coverage of net charge-offs (x) | 3.0957% | 3,777 |
| Efficiency ratio | 64.6201% | 4,147 |
| Assets per employee ($millions) | 5.4657% | 1,842 |
| Cash dividends to net income (ytd only)* | 23.1092% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2268% | 573 |
| Loan loss allowance to noncurrent loans | 64.6154% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.2973% | 1,639 |
| Noncurrent loans to loans | 3.4463% | 412 |
| Net loans and leases to total assets | 36.8062% | 5,675 |
| Net loans and leases to deposits | 43.3019% | 5,672 |
| Net loans and leases to core deposits | 44.8673% | 5,685 |
| Total domestic deposits to total assets | 84.9991% | 3,091 |
| Equity capital to assets | 14.3290% | 823 |
| Core capital (leverage) ratio | 15.0161% | 612 |
| Tier 1 risk-based capital ratio | 28.7010% | 567 |
| Total risk-based capital ratio | 29.9547% | 555 |
| Memoranda: | ||
| Average total assets | $58,180,000 | 5,359 |
| Average earning assets | $51,687,200 | 5,399 |
| Average equity | $8,555,000 | 4,947 |
| Average total loans | $23,158,400 | 5,620 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1524% | 5,639 |
| Cost of funding earning assets | 0.3199% | 4,104 |
| Net interest margin | 2.8325% | 5,528 |
| Noninterest income to average assets | 0.3027% | 4,770 |
| Noninterest expense to average assets | 1.5645% | 5,998 |
| Loan and lease loss provision to assets | 0.2311% | 790 |
| Net operating income to assets | 1.0330% | 2,313 |
| Return on assets (ROA) | 1.0330% | 2,405 |
| Pretax return on assets | 1.0446% | 3,435 |
| Return on Equity (ROE) | 6.9788% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.3542% | 2,039 |
| Net charge-offs to loans | 0.4465% | 572 |
| Credit loss provision to net charge-offs | 128.2051% | 1,895 |
| Earnings coverage of net charge-offs (x) | 7.0767% | 2,957 |
| Efficiency ratio | 55.0854% | 5,440 |
| Assets per employee ($millions) | 5.3864% | 1,874 |
| Cash dividends to net income (ytd only)* | 8.9481% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6354% | 363 |
| Loan loss allowance to noncurrent loans | 103.5413% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 2,358 |
| Noncurrent loans to loans | 2.5453% | 796 |
| Net loans and leases to total assets | 38.2852% | 5,683 |
| Net loans and leases to deposits | 45.2522% | 5,679 |
| Net loans and leases to core deposits | 46.9250% | 5,699 |
| Total domestic deposits to total assets | 84.6042% | 3,174 |
| Equity capital to assets | 14.7105% | 802 |
| Core capital (leverage) ratio | 15.5057% | 554 |
| Tier 1 risk-based capital ratio | 28.8622% | 579 |
| Total risk-based capital ratio | 30.1235% | 570 |
| Memoranda: | ||
| Average total assets | $57,694,250 | 5,437 |
| Average earning assets | $51,683,750 | 5,467 |
| Average equity | $8,540,000 | 5,008 |
| Average total loans | $23,289,750 | 5,681 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1901% | 5,639 |
| Cost of funding earning assets | 0.3206% | 4,151 |
| Net interest margin | 2.8696% | 5,493 |
| Noninterest income to average assets | 0.3113% | 4,729 |
| Noninterest expense to average assets | 1.3642% | 6,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5041% | 893 |
| Return on assets (ROA) | 1.5041% | 938 |
| Pretax return on assets | 1.5146% | 1,604 |
| Return on Equity (ROE) | 10.1399% | 2,006 |
| Retained earnings to average equity (ytd only) | 9.6683% | 738 |
| Net charge-offs to loans | 0.0773% | 2,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 48.1111% | 982 |
| Efficiency ratio | 47.3876% | 5,988 |
| Assets per employee ($millions) | 5.0034% | 2,271 |
| Cash dividends to net income (ytd only)* | 4.6512% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5353% | 470 |
| Loan loss allowance to noncurrent loans | 103.5461% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.0248% | 2,457 |
| Noncurrent loans to loans | 2.4484% | 922 |
| Net loans and leases to total assets | 40.7926% | 5,586 |
| Net loans and leases to deposits | 48.8745% | 5,562 |
| Net loans and leases to core deposits | 50.8551% | 5,579 |
| Total domestic deposits to total assets | 83.4639% | 3,773 |
| Equity capital to assets | 15.7730% | 554 |
| Core capital (leverage) ratio | 15.6394% | 522 |
| Tier 1 risk-based capital ratio | 30.2152% | 534 |
| Total risk-based capital ratio | 31.4797% | 522 |
| Memoranda: | ||
| Average total assets | $57,175,670 | 5,511 |
| Average earning assets | $51,157,670 | 5,536 |
| Average equity | $8,481,330 | 5,059 |
| Average total loans | $23,287,000 | 5,733 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1929% | 5,661 |
| Cost of funding earning assets | 0.3263% | 4,149 |
| Net interest margin | 2.8666% | 5,514 |
| Noninterest income to average assets | 0.3159% | 4,662 |
| Noninterest expense to average assets | 1.3392% | 6,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4971% | 852 |
| Return on assets (ROA) | 1.4971% | 905 |
| Pretax return on assets | 1.5109% | 1,530 |
| Return on Equity (ROE) | 10.4039% | 1,830 |
| Retained earnings to average equity (ytd only) | 10.4039% | 828 |
| Net charge-offs to loans | 0.1538% | 1,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 24.4444% | 1,294 |
| Efficiency ratio | 46.9880% | 6,064 |
| Assets per employee ($millions) | 5.1945% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4909% | 536 |
| Loan loss allowance to noncurrent loans | 127.2331% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 3,102 |
| Noncurrent loans to loans | 1.9578% | 1,353 |
| Net loans and leases to total assets | 40.0088% | 5,597 |
| Net loans and leases to deposits | 47.4570% | 5,592 |
| Net loans and leases to core deposits | 49.2896% | 5,622 |
| Total domestic deposits to total assets | 84.3052% | 3,696 |
| Equity capital to assets | 14.9510% | 725 |
| Core capital (leverage) ratio | 15.0285% | 608 |
| Tier 1 risk-based capital ratio | 26.1822% | 773 |
| Total risk-based capital ratio | 27.4387% | 753 |
| Memoranda: | ||
| Average total assets | $58,245,000 | 5,538 |
| Average earning assets | $51,489,500 | 5,580 |
| Average equity | $8,381,500 | 5,119 |
| Average total loans | $23,413,000 | 5,778 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2856% | 5,720 |
| Cost of funding earning assets | 0.3883% | 3,815 |
| Net interest margin | 2.8974% | 5,650 |
| Noninterest income to average assets | 0.2926% | 5,026 |
| Noninterest expense to average assets | 1.7906% | 6,076 |
| Loan and lease loss provision to assets | 0.0871% | 2,728 |
| Net operating income to assets | 0.9859% | 2,452 |
| Return on assets (ROA) | 0.9859% | 2,531 |
| Pretax return on assets | 1.0016% | 3,490 |
| Return on Equity (ROE) | 6.9508% | 3,665 |
| Retained earnings to average equity (ytd only) | 4.3719% | 3,069 |
| Net charge-offs to loans | 0.1772% | 2,255 |
| Credit loss provision to net charge-offs | 119.0476% | 2,020 |
| Earnings coverage of net charge-offs (x) | 14.8810% | 2,120 |
| Efficiency ratio | 62.1900% | 4,883 |
| Assets per employee ($millions) | 5.3955% | 1,864 |
| Cash dividends to net income (ytd only)* | 37.1025% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5362% | 527 |
| Loan loss allowance to noncurrent loans | 169.9140% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 3,825 |
| Noncurrent loans to loans | 1.4927% | 1,961 |
| Net loans and leases to total assets | 38.3960% | 5,829 |
| Net loans and leases to deposits | 44.9618% | 5,845 |
| Net loans and leases to core deposits | 46.8503% | 5,854 |
| Total domestic deposits to total assets | 85.3968% | 3,126 |
| Equity capital to assets | 13.8500% | 1,014 |
| Core capital (leverage) ratio | 14.5632% | 692 |
| Tier 1 risk-based capital ratio | 30.0350% | 510 |
| Total risk-based capital ratio | 31.2960% | 504 |
| Memoranda: | ||
| Average total assets | $57,410,600 | 5,616 |
| Average earning assets | $51,253,600 | 5,637 |
| Average equity | $8,143,000 | 5,171 |
| Average total loans | $23,699,000 | 5,832 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2734% | 5,803 |
| Cost of funding earning assets | 0.3903% | 3,897 |
| Net interest margin | 2.8831% | 5,737 |
| Noninterest income to average assets | 0.2834% | 5,176 |
| Noninterest expense to average assets | 1.5552% | 6,320 |
| Loan and lease loss provision to assets | 0.1171% | 2,109 |
| Net operating income to assets | 1.1898% | 1,708 |
| Return on assets (ROA) | 1.1898% | 1,780 |
| Pretax return on assets | 1.2062% | 2,751 |
| Return on Equity (ROE) | 8.3375% | 3,015 |
| Retained earnings to average equity (ytd only) | 6.3680% | 2,180 |
| Net charge-offs to loans | 0.1458% | 2,338 |
| Credit loss provision to net charge-offs | 192.3077% | 1,309 |
| Earnings coverage of net charge-offs (x) | 21.7280% | 1,662 |
| Efficiency ratio | 54.0277% | 5,821 |
| Assets per employee ($millions) | 5.0971% | 2,137 |
| Cash dividends to net income (ytd only)* | 23.6225% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4883% | 659 |
| Loan loss allowance to noncurrent loans | 153.5354% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 3,700 |
| Noncurrent loans to loans | 1.6207% | 2,015 |
| Net loans and leases to total assets | 42.4948% | 5,635 |
| Net loans and leases to deposits | 50.3455% | 5,630 |
| Net loans and leases to core deposits | 52.3315% | 5,669 |
| Total domestic deposits to total assets | 84.4064% | 3,586 |
| Equity capital to assets | 14.7874% | 777 |
| Core capital (leverage) ratio | 14.8171% | 658 |
| Tier 1 risk-based capital ratio | 30.1033% | 518 |
| Total risk-based capital ratio | 31.3660% | 511 |
| Memoranda: | ||
| Average total assets | $56,925,750 | 5,691 |
| Average earning assets | $51,239,250 | 5,701 |
| Average equity | $8,123,750 | 5,213 |
| Average total loans | $23,778,500 | 5,893 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2451% | 5,879 |
| Cost of funding earning assets | 0.3914% | 3,977 |
| Net interest margin | 2.8536% | 5,812 |
| Noninterest income to average assets | 0.2832% | 5,157 |
| Noninterest expense to average assets | 1.4368% | 6,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3773% | 1,119 |
| Return on assets (ROA) | 1.3773% | 1,160 |
| Pretax return on assets | 1.3948% | 1,907 |
| Return on Equity (ROE) | 9.7670% | 2,256 |
| Retained earnings to average equity (ytd only) | 7.7838% | 1,398 |
| Net charge-offs to loans | 0.2207% | 1,712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.3462% | 1,854 |
| Efficiency ratio | 50.7407% | 6,138 |
| Assets per employee ($millions) | 5.1355% | 2,042 |
| Cash dividends to net income (ytd only)* | 20.3046% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3591% | 846 |
| Loan loss allowance to noncurrent loans | 133.0952% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.7435% | 3,736 |
| Noncurrent loans to loans | 1.7725% | 1,942 |
| Net loans and leases to total assets | 40.9552% | 5,747 |
| Net loans and leases to deposits | 48.4148% | 5,753 |
| Net loans and leases to core deposits | 50.3077% | 5,776 |
| Total domestic deposits to total assets | 84.5922% | 3,690 |
| Equity capital to assets | 14.5775% | 800 |
| Core capital (leverage) ratio | 14.6812% | 656 |
| Tier 1 risk-based capital ratio | 30.4374% | 505 |
| Total risk-based capital ratio | 31.6960% | 499 |
| Memoranda: | ||
| Average total assets | $57,211,670 | 5,735 |
| Average earning assets | $51,093,000 | 5,752 |
| Average equity | $8,068,000 | 5,258 |
| Average total loans | $23,560,000 | 5,947 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2322% | 5,963 |
| Cost of funding earning assets | 0.3913% | 4,075 |
| Net interest margin | 2.8409% | 5,862 |
| Noninterest income to average assets | 0.2849% | 5,093 |
| Noninterest expense to average assets | 1.4313% | 6,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3548% | 1,086 |
| Return on assets (ROA) | 1.3548% | 1,130 |
| Pretax return on assets | 1.3757% | 1,830 |
| Return on Equity (ROE) | 9.7689% | 2,123 |
| Retained earnings to average equity (ytd only) | 9.7689% | 1,025 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9901% | 6,193 |
| Assets per employee ($millions) | 5.1869% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5297% | 785 |
| Loan loss allowance to noncurrent loans | 128.5714% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 1.0972% | 3,060 |
| Noncurrent loans to loans | 1.9676% | 1,903 |
| Net loans and leases to total assets | 39.5050% | 5,843 |
| Net loans and leases to deposits | 46.4838% | 5,820 |
| Net loans and leases to core deposits | 48.2759% | 5,857 |
| Total domestic deposits to total assets | 84.9867% | 3,873 |
| Equity capital to assets | 14.1773% | 864 |
| Core capital (leverage) ratio | 14.5505% | 688 |
| Tier 1 risk-based capital ratio | 30.2041% | 519 |
| Total risk-based capital ratio | 31.4640% | 511 |
| Memoranda: | ||
| Average total assets | $57,572,000 | 5,777 |
| Average earning assets | $51,110,500 | 5,810 |
| Average equity | $7,984,500 | 5,297 |
| Average total loans | $23,492,500 | 6,004 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4044% | 5,830 |
| Cost of funding earning assets | 0.4428% | 4,185 |
| Net interest margin | 2.9617% | 5,659 |
| Noninterest income to average assets | 0.3496% | 4,818 |
| Noninterest expense to average assets | 1.8196% | 6,288 |
| Loan and lease loss provision to assets | 0.1793% | 2,061 |
| Net operating income to assets | 1.0057% | 2,304 |
| Return on assets (ROA) | 1.0057% | 2,364 |
| Pretax return on assets | 1.0129% | 3,300 |
| Return on Equity (ROE) | 7.0860% | 3,519 |
| Retained earnings to average equity (ytd only) | 5.0650% | 2,548 |
| Net charge-offs to loans | 0.0417% | 4,636 |
| Credit loss provision to net charge-offs | 1,000.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 66.5000% | 633 |
| Efficiency ratio | 60.4167% | 5,414 |
| Assets per employee ($millions) | 5.2807% | 1,874 |
| Cash dividends to net income (ytd only)* | 28.5205% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4518% | 876 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.7420% | 4,028 |
| Noncurrent loans to loans | 1.0897% | 3,357 |
| Net loans and leases to total assets | 40.0685% | 5,955 |
| Net loans and leases to deposits | 46.7971% | 5,961 |
| Net loans and leases to core deposits | 48.5563% | 6,003 |
| Total domestic deposits to total assets | 85.6218% | 3,447 |
| Equity capital to assets | 13.5656% | 1,043 |
| Core capital (leverage) ratio | 14.4390% | 703 |
| Tier 1 risk-based capital ratio | 28.6550% | 572 |
| Total risk-based capital ratio | 29.9161% | 564 |
| Memoranda: | ||
| Average total assets | $55,781,400 | 5,881 |
| Average earning assets | $50,140,800 | 5,881 |
| Average equity | $7,917,000 | 5,359 |
| Average total loans | $23,987,200 | 6,034 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4264% | 5,827 |
| Cost of funding earning assets | 0.4476% | 4,300 |
| Net interest margin | 2.9788% | 5,646 |
| Noninterest income to average assets | 0.3550% | 4,855 |
| Noninterest expense to average assets | 1.5795% | 6,571 |
| Loan and lease loss provision to assets | 0.2415% | 1,486 |
| Net operating income to assets | 1.2269% | 1,542 |
| Return on assets (ROA) | 1.2269% | 1,616 |
| Pretax return on assets | 1.2342% | 2,565 |
| Return on Equity (ROE) | 8.5453% | 2,865 |
| Retained earnings to average equity (ytd only) | 7.7041% | 1,548 |
| Net charge-offs to loans | 0.0055% | 5,073 |
| Credit loss provision to net charge-offs | 10,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 612.5188% | 90 |
| Efficiency ratio | 51.6996% | 6,274 |
| Assets per employee ($millions) | 5.1397% | 2,005 |
| Cash dividends to net income (ytd only)* | 9.8432% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4499% | 988 |
| Loan loss allowance to noncurrent loans | 115.5945% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.9074% | 3,865 |
| Noncurrent loans to loans | 2.1194% | 2,104 |
| Net loans and leases to total assets | 41.7638% | 5,919 |
| Net loans and leases to deposits | 49.1231% | 5,895 |
| Net loans and leases to core deposits | 51.0386% | 5,947 |
| Total domestic deposits to total assets | 85.0187% | 3,740 |
| Equity capital to assets | 14.1040% | 936 |
| Core capital (leverage) ratio | 14.7254% | 690 |
| Tier 1 risk-based capital ratio | 29.0937% | 564 |
| Total risk-based capital ratio | 30.3539% | 552 |
| Memoranda: | ||
| Average total assets | $55,204,750 | 5,960 |
| Average earning assets | $50,041,750 | 5,953 |
| Average equity | $7,926,250 | 5,412 |
| Average total loans | $24,019,000 | 6,094 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4140% | 5,876 |
| Cost of funding earning assets | 0.4533% | 4,398 |
| Net interest margin | 2.9607% | 5,673 |
| Noninterest income to average assets | 0.3908% | 4,591 |
| Noninterest expense to average assets | 1.4609% | 6,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6179% | 728 |
| Return on assets (ROA) | 1.6179% | 794 |
| Pretax return on assets | 1.6253% | 1,291 |
| Return on Equity (ROE) | 11.2005% | 1,746 |
| Retained earnings to average equity (ytd only) | 11.2005% | 608 |
| Net charge-offs to loans | 0.0250% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 148.3333% | 332 |
| Efficiency ratio | 47.3373% | 6,579 |
| Assets per employee ($millions) | 4.9874% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0447% | 1,755 |
| Loan loss allowance to noncurrent loans | 148.0363% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 4,736 |
| Noncurrent loans to loans | 1.3812% | 3,237 |
| Net loans and leases to total assets | 42.7881% | 5,842 |
| Net loans and leases to deposits | 50.5100% | 5,800 |
| Net loans and leases to core deposits | 52.5545% | 5,847 |
| Total domestic deposits to total assets | 84.7123% | 4,031 |
| Equity capital to assets | 14.3745% | 852 |
| Core capital (leverage) ratio | 14.6287% | 679 |
| Tier 1 risk-based capital ratio | 29.7515% | 536 |
| Total risk-based capital ratio | 31.0089% | 527 |
| Memoranda: | ||
| Average total assets | $54,760,670 | 6,005 |
| Average earning assets | $49,853,000 | 5,999 |
| Average equity | $7,910,330 | 5,453 |
| Average total loans | $23,957,000 | 6,128 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4639% | 5,803 |
| Cost of funding earning assets | 0.4705% | 4,367 |
| Net interest margin | 2.9934% | 5,585 |
| Noninterest income to average assets | 0.2998% | 5,302 |
| Noninterest expense to average assets | 1.3233% | 6,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6670% | 631 |
| Return on assets (ROA) | 1.6670% | 693 |
| Pretax return on assets | 1.6743% | 1,143 |
| Return on Equity (ROE) | 11.5115% | 1,552 |
| Retained earnings to average equity (ytd only) | 11.5115% | 777 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1463% | 6,770 |
| Assets per employee ($millions) | 5.0296% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0997% | 1,795 |
| Loan loss allowance to noncurrent loans | 144.1520% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6182% | 4,840 |
| Noncurrent loans to loans | 1.4566% | 3,382 |
| Net loans and leases to total assets | 41.5483% | 5,875 |
| Net loans and leases to deposits | 49.1333% | 5,843 |
| Net loans and leases to core deposits | 51.1072% | 5,890 |
| Total domestic deposits to total assets | 84.5624% | 4,242 |
| Equity capital to assets | 14.5140% | 870 |
| Core capital (leverage) ratio | 14.6825% | 638 |
| Tier 1 risk-based capital ratio | 29.2214% | 568 |
| Total risk-based capital ratio | 30.4793% | 562 |
| Memoranda: | ||
| Average total assets | $54,710,500 | 6,054 |
| Average earning assets | $49,309,000 | 6,064 |
| Average equity | $7,922,500 | 5,508 |
| Average total loans | $23,953,500 | 6,178 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8657% | 5,680 |
| Cost of funding earning assets | 0.5856% | 4,482 |
| Net interest margin | 3.2801% | 5,322 |
| Noninterest income to average assets | 0.3366% | 5,051 |
| Noninterest expense to average assets | 1.8434% | 6,561 |
| Loan and lease loss provision to assets | 0.2390% | 2,739 |
| Net operating income to assets | 1.2525% | 1,443 |
| Return on assets (ROA) | 1.2525% | 1,598 |
| Pretax return on assets | 1.2640% | 2,548 |
| Return on Equity (ROE) | 8.4290% | 2,904 |
| Retained earnings to average equity (ytd only) | 5.1475% | 2,609 |
| Net charge-offs to loans | 0.6815% | 1,733 |
| Credit loss provision to net charge-offs | 73.5294% | 4,052 |
| Earnings coverage of net charge-offs (x) | 4.6235% | 3,304 |
| Efficiency ratio | 55.0857% | 6,160 |
| Assets per employee ($millions) | 4.9177% | 2,332 |
| Cash dividends to net income (ytd only)* | 38.9313% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0224% | 1,963 |
| Loan loss allowance to noncurrent loans | 147.0238% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 4,916 |
| Noncurrent loans to loans | 1.3755% | 3,536 |
| Net loans and leases to total assets | 44.2425% | 5,794 |
| Net loans and leases to deposits | 52.3103% | 5,782 |
| Net loans and leases to core deposits | 54.4613% | 5,846 |
| Total domestic deposits to total assets | 84.5771% | 4,054 |
| Equity capital to assets | 14.4468% | 897 |
| Core capital (leverage) ratio | 14.3865% | 697 |
| Tier 1 risk-based capital ratio | 28.2298% | 611 |
| Total risk-based capital ratio | 29.4859% | 593 |
| Memoranda: | ||
| Average total assets | $52,294,400 | 6,142 |
| Average earning assets | $47,986,200 | 6,122 |
| Average equity | $7,770,800 | 5,565 |
| Average total loans | $24,945,200 | 6,198 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9410% | 5,681 |
| Cost of funding earning assets | 0.6033% | 4,613 |
| Net interest margin | 3.3377% | 5,255 |
| Noninterest income to average assets | 0.3292% | 5,163 |
| Noninterest expense to average assets | 1.5379% | 6,921 |
| Loan and lease loss provision to assets | 0.1929% | 3,172 |
| Net operating income to assets | 1.6588% | 750 |
| Return on assets (ROA) | 1.6588% | 830 |
| Pretax return on assets | 1.6716% | 1,355 |
| Return on Equity (ROE) | 11.0826% | 1,927 |
| Retained earnings to average equity (ytd only) | 10.2234% | 861 |
| Net charge-offs to loans | 0.2340% | 3,322 |
| Credit loss provision to net charge-offs | 170.4545% | 1,628 |
| Earnings coverage of net charge-offs (x) | 16.4759% | 1,691 |
| Efficiency ratio | 45.2003% | 6,859 |
| Assets per employee ($millions) | 4.7591% | 2,520 |
| Cash dividends to net income (ytd only)* | 7.7525% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3122% | 1,495 |
| Loan loss allowance to noncurrent loans | 254.4643% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 5,611 |
| Noncurrent loans to loans | 0.9086% | 4,613 |
| Net loans and leases to total assets | 46.0019% | 5,763 |
| Net loans and leases to deposits | 55.0458% | 5,715 |
| Net loans and leases to core deposits | 57.4188% | 5,777 |
| Total domestic deposits to total assets | 83.5702% | 4,402 |
| Equity capital to assets | 15.4117% | 720 |
| Core capital (leverage) ratio | 15.0186% | 605 |
| Tier 1 risk-based capital ratio | 28.9927% | 585 |
| Total risk-based capital ratio | 30.2537% | 577 |
| Memoranda: | ||
| Average total assets | $51,844,250 | 6,226 |
| Average earning assets | $47,736,750 | 6,202 |
| Average equity | $7,759,750 | 5,622 |
| Average total loans | $25,074,750 | 6,271 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 5,625 |
| Cost of funding earning assets | 0.6265% | 4,661 |
| Net interest margin | 3.3764% | 5,184 |
| Noninterest income to average assets | 0.3251% | 5,226 |
| Noninterest expense to average assets | 1.5172% | 6,993 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.9042% | 456 |
| Return on assets (ROA) | 1.9042% | 520 |
| Pretax return on assets | 1.9158% | 824 |
| Return on Equity (ROE) | 12.8510% | 1,405 |
| Retained earnings to average equity (ytd only) | 12.8510% | 455 |
| Net charge-offs to loans | -0.0476% | 6,653 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1939% | 6,948 |
| Assets per employee ($millions) | 4.7927% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1854% | 1,805 |
| Loan loss allowance to noncurrent loans | 416.0305% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 5,662 |
| Noncurrent loans to loans | 0.5253% | 5,470 |
| Net loans and leases to total assets | 46.2690% | 5,801 |
| Net loans and leases to deposits | 55.1279% | 5,750 |
| Net loans and leases to core deposits | 57.4764% | 5,815 |
| Total domestic deposits to total assets | 83.9302% | 4,341 |
| Equity capital to assets | 15.0436% | 777 |
| Core capital (leverage) ratio | 14.9263% | 611 |
| Tier 1 risk-based capital ratio | 28.5059% | 612 |
| Total risk-based capital ratio | 29.7663% | 597 |
| Memoranda: | ||
| Average total assets | $51,675,670 | 6,268 |
| Average earning assets | $47,565,330 | 6,245 |
| Average equity | $7,657,000 | 5,669 |
| Average total loans | $25,215,670 | 6,305 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0969% | 5,467 |
| Cost of funding earning assets | 0.6545% | 4,685 |
| Net interest margin | 3.4424% | 4,943 |
| Noninterest income to average assets | 0.3206% | 5,311 |
| Noninterest expense to average assets | 1.4623% | 7,079 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0096% | 410 |
| Return on assets (ROA) | 2.0096% | 471 |
| Pretax return on assets | 2.0253% | 703 |
| Return on Equity (ROE) | 13.6702% | 1,262 |
| Retained earnings to average equity (ytd only) | 13.6702% | 604 |
| Net charge-offs to loans | -0.0631% | 6,626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9283% | 7,060 |
| Assets per employee ($millions) | 4.7914% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1861% | 1,913 |
| Loan loss allowance to noncurrent loans | 624.1379% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 5,976 |
| Noncurrent loans to loans | 0.3503% | 5,973 |
| Net loans and leases to total assets | 46.0981% | 5,770 |
| Net loans and leases to deposits | 54.5990% | 5,749 |
| Net loans and leases to core deposits | 56.9140% | 5,825 |
| Total domestic deposits to total assets | 84.4303% | 4,312 |
| Equity capital to assets | 14.5242% | 858 |
| Core capital (leverage) ratio | 14.6367% | 666 |
| Tier 1 risk-based capital ratio | 27.4588% | 690 |
| Total risk-based capital ratio | 28.7195% | 670 |
| Memoranda: | ||
| Average total assets | $51,153,500 | 6,333 |
| Average earning assets | $47,060,500 | 6,298 |
| Average equity | $7,520,000 | 5,732 |
| Average total loans | $25,354,500 | 6,345 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 5,754 |
| Cost of funding earning assets | 0.7689% | 5,067 |
| Net interest margin | 3.5344% | 5,004 |
| Noninterest income to average assets | 0.3733% | 4,841 |
| Noninterest expense to average assets | 2.0222% | 6,640 |
| Loan and lease loss provision to assets | 0.1996% | 4,193 |
| Net operating income to assets | 1.4073% | 1,016 |
| Return on assets (ROA) | 1.4073% | 1,093 |
| Pretax return on assets | 1.4273% | 1,693 |
| Return on Equity (ROE) | 9.7898% | 2,129 |
| Retained earnings to average equity (ytd only) | 5.1379% | 2,541 |
| Net charge-offs to loans | 0.2875% | 3,974 |
| Credit loss provision to net charge-offs | 135.1351% | 2,220 |
| Earnings coverage of net charge-offs (x) | 11.0135% | 1,769 |
| Efficiency ratio | 55.4158% | 6,376 |
| Assets per employee ($millions) | 4.5093% | 2,893 |
| Cash dividends to net income (ytd only)* | 47.5177% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0796% | 2,070 |
| Loan loss allowance to noncurrent loans | 681.0127% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 6,101 |
| Noncurrent loans to loans | 0.3054% | 6,114 |
| Net loans and leases to total assets | 51.0705% | 5,451 |
| Net loans and leases to deposits | 60.8124% | 5,393 |
| Net loans and leases to core deposits | 63.5748% | 5,513 |
| Total domestic deposits to total assets | 83.9805% | 4,323 |
| Equity capital to assets | 14.8885% | 807 |
| Core capital (leverage) ratio | 14.1567% | 784 |
| Tier 1 risk-based capital ratio | 26.6546% | 729 |
| Total risk-based capital ratio | 27.9151% | 712 |
| Memoranda: | ||
| Average total assets | $50,094,200 | 6,362 |
| Average earning assets | $46,430,000 | 6,313 |
| Average equity | $7,201,400 | 5,809 |
| Average total loans | $25,735,200 | 6,374 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2866% | 5,990 |
| Cost of funding earning assets | 0.7812% | 5,270 |
| Net interest margin | 3.5054% | 5,165 |
| Noninterest income to average assets | 0.3319% | 5,209 |
| Noninterest expense to average assets | 1.6514% | 7,140 |
| Loan and lease loss provision to assets | 0.1328% | 4,769 |
| Net operating income to assets | 1.7789% | 540 |
| Return on assets (ROA) | 1.7789% | 590 |
| Pretax return on assets | 1.8001% | 956 |
| Return on Equity (ROE) | 12.4842% | 1,417 |
| Retained earnings to average equity (ytd only) | 9.6893% | 933 |
| Net charge-offs to loans | 0.3164% | 3,520 |
| Credit loss provision to net charge-offs | 81.9672% | 4,075 |
| Earnings coverage of net charge-offs (x) | 11.9346% | 1,760 |
| Efficiency ratio | 46.0741% | 7,058 |
| Assets per employee ($millions) | 4.6444% | 2,699 |
| Cash dividends to net income (ytd only)* | 22.3886% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9369% | 2,514 |
| Loan loss allowance to noncurrent loans | 352.8169% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 6,364 |
| Noncurrent loans to loans | 0.5490% | 5,770 |
| Net loans and leases to total assets | 49.6496% | 5,751 |
| Net loans and leases to deposits | 59.0557% | 5,740 |
| Net loans and leases to core deposits | 61.6538% | 5,845 |
| Total domestic deposits to total assets | 84.0726% | 4,193 |
| Equity capital to assets | 14.8215% | 898 |
| Core capital (leverage) ratio | 14.5209% | 765 |
| Tier 1 risk-based capital ratio | 26.5760% | 781 |
| Total risk-based capital ratio | 27.8325% | 757 |
| Memoranda: | ||
| Average total assets | $50,217,250 | 6,417 |
| Average earning assets | $46,593,750 | 6,363 |
| Average equity | $7,155,500 | 5,859 |
| Average total loans | $25,701,500 | 6,440 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2629% | 6,127 |
| Cost of funding earning assets | 0.7961% | 5,396 |
| Net interest margin | 3.4668% | 5,299 |
| Noninterest income to average assets | 0.3285% | 5,264 |
| Noninterest expense to average assets | 1.6224% | 7,242 |
| Loan and lease loss provision to assets | 0.2003% | 3,921 |
| Net operating income to assets | 1.7305% | 564 |
| Return on assets (ROA) | 1.7305% | 609 |
| Pretax return on assets | 1.7506% | 959 |
| Return on Equity (ROE) | 12.3135% | 1,405 |
| Retained earnings to average equity (ytd only) | 9.4632% | 972 |
| Net charge-offs to loans | 0.4055% | 2,931 |
| Credit loss provision to net charge-offs | 96.1538% | 3,268 |
| Earnings coverage of net charge-offs (x) | 9.3654% | 1,933 |
| Efficiency ratio | 45.4036% | 7,183 |
| Assets per employee ($millions) | 4.6235% | 2,654 |
| Cash dividends to net income (ytd only)* | 23.1481% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0035% | 2,366 |
| Loan loss allowance to noncurrent loans | 216.5957% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 5,995 |
| Noncurrent loans to loans | 0.9250% | 5,119 |
| Net loans and leases to total assets | 48.9530% | 5,952 |
| Net loans and leases to deposits | 57.8825% | 5,948 |
| Net loans and leases to core deposits | 60.4237% | 6,054 |
| Total domestic deposits to total assets | 84.5730% | 4,091 |
| Equity capital to assets | 14.2944% | 996 |
| Core capital (leverage) ratio | 13.9492% | 884 |
| Tier 1 risk-based capital ratio | 26.4688% | 767 |
| Total risk-based capital ratio | 27.7273% | 750 |
| Memoranda: | ||
| Average total assets | $49,927,000 | 6,480 |
| Average earning assets | $46,728,670 | 6,413 |
| Average equity | $7,016,670 | 5,924 |
| Average total loans | $25,646,670 | 6,500 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 5,929 |
| Cost of funding earning assets | 0.8063% | 5,544 |
| Net interest margin | 3.5198% | 4,918 |
| Noninterest income to average assets | 0.3316% | 5,247 |
| Noninterest expense to average assets | 1.5608% | 7,331 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0299% | 332 |
| Return on assets (ROA) | 2.0299% | 350 |
| Pretax return on assets | 2.0541% | 508 |
| Return on Equity (ROE) | 14.5718% | 892 |
| Retained earnings to average equity (ytd only) | 14.5718% | 428 |
| Net charge-offs to loans | 1.0401% | 1,312 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.7910% | 2,631 |
| Efficiency ratio | 43.1767% | 7,312 |
| Assets per employee ($millions) | 4.6801% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7594% | 3,138 |
| Loan loss allowance to noncurrent loans | 211.9048% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 6,185 |
| Noncurrent loans to loans | 0.8303% | 5,374 |
| Net loans and leases to total assets | 48.2644% | 6,049 |
| Net loans and leases to deposits | 56.6171% | 6,073 |
| Net loans and leases to core deposits | 59.0541% | 6,178 |
| Total domestic deposits to total assets | 85.2470% | 3,927 |
| Equity capital to assets | 13.6303% | 1,135 |
| Core capital (leverage) ratio | 14.2652% | 789 |
| Tier 1 risk-based capital ratio | 26.4276% | 747 |
| Total risk-based capital ratio | 27.6836% | 734 |
| Memoranda: | ||
| Average total assets | $49,461,000 | 6,544 |
| Average earning assets | $46,138,500 | 6,484 |
| Average equity | $6,890,000 | 5,955 |
| Average total loans | $25,767,000 | 6,541 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9803% | 4,649 |
| Cost of funding earning assets | 1.0273% | 5,548 |
| Net interest margin | 3.9530% | 3,250 |
| Noninterest income to average assets | 0.3675% | 5,166 |
| Noninterest expense to average assets | 2.1045% | 6,831 |
| Loan and lease loss provision to assets | 0.1575% | 5,633 |
| Net operating income to assets | 1.6928% | 526 |
| Return on assets (ROA) | 1.6928% | 565 |
| Pretax return on assets | 1.7180% | 907 |
| Return on Equity (ROE) | 11.7363% | 1,378 |
| Retained earnings to average equity (ytd only) | 5.1838% | 2,319 |
| Net charge-offs to loans | 0.0524% | 6,268 |
| Credit loss provision to net charge-offs | 535.7143% | 421 |
| Earnings coverage of net charge-offs (x) | 63.7857% | 375 |
| Efficiency ratio | 52.8760% | 6,905 |
| Assets per employee ($millions) | 4.3128% | 3,178 |
| Cash dividends to net income (ytd only)* | 55.8313% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9511% | 2,418 |
| Loan loss allowance to noncurrent loans | 412.9032% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 6,594 |
| Noncurrent loans to loans | 0.4725% | 6,096 |
| Net loans and leases to total assets | 54.2358% | 5,607 |
| Net loans and leases to deposits | 64.1934% | 5,607 |
| Net loans and leases to core deposits | 67.2311% | 5,749 |
| Total domestic deposits to total assets | 84.4881% | 4,115 |
| Equity capital to assets | 14.2556% | 966 |
| Core capital (leverage) ratio | 14.0705% | 832 |
| Tier 1 risk-based capital ratio | 23.6458% | 968 |
| Total risk-based capital ratio | 24.9031% | 944 |
| Memoranda: | ||
| Average total assets | $47,613,200 | 6,614 |
| Average earning assets | $43,511,800 | 6,596 |
| Average equity | $6,867,600 | 6,085 |
| Average total loans | $26,697,400 | 6,573 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0375% | 4,638 |
| Cost of funding earning assets | 1.0623% | 5,637 |
| Net interest margin | 3.9752% | 3,210 |
| Noninterest income to average assets | 0.3693% | 5,201 |
| Noninterest expense to average assets | 1.7850% | 7,344 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.1683% | 252 |
| Return on assets (ROA) | 2.1683% | 269 |
| Pretax return on assets | 2.1962% | 412 |
| Return on Equity (ROE) | 14.9891% | 859 |
| Retained earnings to average equity (ytd only) | 10.6375% | 661 |
| Net charge-offs to loans | 0.0746% | 5,774 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 52.3320% | 550 |
| Efficiency ratio | 44.8349% | 7,434 |
| Assets per employee ($millions) | 4.4122% | 3,060 |
| Cash dividends to net income (ytd only)* | 29.0319% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6206% | 3,444 |
| Loan loss allowance to noncurrent loans | 444.8980% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 6,860 |
| Noncurrent loans to loans | 0.3643% | 6,464 |
| Net loans and leases to total assets | 54.5350% | 5,767 |
| Net loans and leases to deposits | 65.0208% | 5,785 |
| Net loans and leases to core deposits | 68.4883% | 5,894 |
| Total domestic deposits to total assets | 83.8732% | 4,198 |
| Equity capital to assets | 14.8885% | 914 |
| Core capital (leverage) ratio | 14.9497% | 723 |
| Tier 1 risk-based capital ratio | 25.3709% | 834 |
| Total risk-based capital ratio | 26.6268% | 812 |
| Memoranda: | ||
| Average total assets | $47,656,250 | 6,692 |
| Average earning assets | $43,301,250 | 6,685 |
| Average equity | $6,893,750 | 6,150 |
| Average total loans | $26,811,250 | 6,657 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0891% | 4,513 |
| Cost of funding earning assets | 1.0952% | 5,700 |
| Net interest margin | 3.9939% | 3,049 |
| Noninterest income to average assets | 0.3800% | 5,084 |
| Noninterest expense to average assets | 1.7988% | 7,388 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.1704% | 250 |
| Return on assets (ROA) | 2.1704% | 272 |
| Pretax return on assets | 2.2000% | 406 |
| Return on Equity (ROE) | 15.1555% | 828 |
| Retained earnings to average equity (ytd only) | 10.7327% | 703 |
| Net charge-offs to loans | -0.0224% | 7,299 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9842% | 7,482 |
| Assets per employee ($millions) | 4.3445% | 3,139 |
| Cash dividends to net income (ytd only)* | 29.1829% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 3,143 |
| Loan loss allowance to noncurrent loans | 412.7273% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 6,820 |
| Noncurrent loans to loans | 0.4076% | 6,431 |
| Net loans and leases to total assets | 55.5274% | 5,778 |
| Net loans and leases to deposits | 66.0116% | 5,804 |
| Net loans and leases to core deposits | 69.5807% | 5,915 |
| Total domestic deposits to total assets | 84.1177% | 4,058 |
| Equity capital to assets | 14.5912% | 987 |
| Core capital (leverage) ratio | 14.3409% | 848 |
| Tier 1 risk-based capital ratio | 24.8292% | 858 |
| Total risk-based capital ratio | 26.0850% | 841 |
| Memoranda: | ||
| Average total assets | $47,363,670 | 6,754 |
| Average earning assets | $42,915,330 | 6,742 |
| Average equity | $6,783,000 | 6,212 |
| Average total loans | $26,780,330 | 6,707 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1376% | 4,358 |
| Cost of funding earning assets | 1.1218% | 5,793 |
| Net interest margin | 4.0158% | 2,807 |
| Noninterest income to average assets | 0.3733% | 5,153 |
| Noninterest expense to average assets | 1.7985% | 7,462 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.1463% | 275 |
| Return on assets (ROA) | 2.1463% | 302 |
| Pretax return on assets | 2.1887% | 433 |
| Return on Equity (ROE) | 15.1316% | 849 |
| Retained earnings to average equity (ytd only) | 15.1316% | 399 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1064% | 7,586 |
| Assets per employee ($millions) | 4.3125% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 3,114 |
| Loan loss allowance to noncurrent loans | 1,804.0000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 7,357 |
| Noncurrent loans to loans | 0.0934% | 7,163 |
| Net loans and leases to total assets | 55.4483% | 5,823 |
| Net loans and leases to deposits | 65.7230% | 5,852 |
| Net loans and leases to core deposits | 69.2968% | 5,975 |
| Total domestic deposits to total assets | 84.3666% | 3,970 |
| Equity capital to assets | 14.3369% | 1,054 |
| Core capital (leverage) ratio | 14.3362% | 888 |
| Tier 1 risk-based capital ratio | 24.3177% | 933 |
| Total risk-based capital ratio | 25.5720% | 912 |
| Memoranda: | ||
| Average total assets | $47,151,000 | 6,835 |
| Average earning assets | $42,432,500 | 6,839 |
| Average equity | $6,688,000 | 6,294 |
| Average total loans | $26,675,500 | 6,797 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5175% | 4,052 |
| Cost of funding earning assets | 1.4447% | 5,741 |
| Net interest margin | 4.0728% | 2,556 |
| Noninterest income to average assets | 0.3966% | 5,229 |
| Noninterest expense to average assets | 2.3395% | 6,635 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.7768% | 377 |
| Return on assets (ROA) | 1.7768% | 396 |
| Pretax return on assets | 1.7857% | 654 |
| Return on Equity (ROE) | 12.1796% | 1,116 |
| Retained earnings to average equity (ytd only) | 4.9660% | 1,832 |
| Net charge-offs to loans | -0.0303% | 7,813 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7132% | 6,929 |
| Assets per employee ($millions) | 4.2605% | 3,331 |
| Cash dividends to net income (ytd only)* | 59.2269% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 2,904 |
| Loan loss allowance to noncurrent loans | 1,409.3750% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 7,325 |
| Noncurrent loans to loans | 0.1203% | 7,119 |
| Net loans and leases to total assets | 55.7900% | 5,980 |
| Net loans and leases to deposits | 65.9004% | 6,061 |
| Net loans and leases to core deposits | 76.8006% | 6,352 |
| Total domestic deposits to total assets | 84.6581% | 3,728 |
| Equity capital to assets | 14.0297% | 1,160 |
| Core capital (leverage) ratio | 13.6573% | 1,055 |
| Tier 1 risk-based capital ratio | 23.8816% | 958 |
| Total risk-based capital ratio | 25.1362% | 939 |
| Memoranda: | ||
| Average total assets | $45,137,400 | 6,907 |
| Average earning assets | $41,323,000 | 6,892 |
| Average equity | $6,584,800 | 6,394 |
| Average total loans | $26,440,000 | 6,833 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5496% | 4,162 |
| Cost of funding earning assets | 1.5056% | 5,792 |
| Net interest margin | 4.0440% | 2,620 |
| Noninterest income to average assets | 0.3996% | 5,290 |
| Noninterest expense to average assets | 1.9207% | 7,510 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.1951% | 181 |
| Return on assets (ROA) | 2.1951% | 201 |
| Pretax return on assets | 2.2040% | 346 |
| Return on Equity (ROE) | 14.8971% | 784 |
| Retained earnings to average equity (ytd only) | 11.8609% | 359 |
| Net charge-offs to loans | -0.0606% | 7,875 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5654% | 7,743 |
| Assets per employee ($millions) | 4.2207% | 3,344 |
| Cash dividends to net income (ytd only)* | 20.3809% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6539% | 2,788 |
| Loan loss allowance to noncurrent loans | 322.6950% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 6,731 |
| Noncurrent loans to loans | 0.5125% | 6,280 |
| Net loans and leases to total assets | 58.2730% | 5,850 |
| Net loans and leases to deposits | 69.5859% | 5,965 |
| Net loans and leases to core deposits | 83.8057% | 6,054 |
| Total domestic deposits to total assets | 83.7426% | 3,842 |
| Equity capital to assets | 14.9328% | 1,023 |
| Core capital (leverage) ratio | 14.5939% | 937 |
| Tier 1 risk-based capital ratio | 23.8459% | 1,012 |
| Total risk-based capital ratio | 25.1000% | 992 |
| Memoranda: | ||
| Average total assets | $44,705,500 | 6,976 |
| Average earning assets | $41,179,000 | 6,953 |
| Average equity | $6,587,250 | 6,454 |
| Average total loans | $26,400,750 | 6,890 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5715% | 4,208 |
| Cost of funding earning assets | 1.5855% | 5,790 |
| Net interest margin | 3.9860% | 2,762 |
| Noninterest income to average assets | 0.4079% | 5,216 |
| Noninterest expense to average assets | 1.8354% | 7,703 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.2206% | 185 |
| Return on assets (ROA) | 2.2206% | 205 |
| Pretax return on assets | 2.2297% | 336 |
| Return on Equity (ROE) | 15.1422% | 810 |
| Retained earnings to average equity (ytd only) | 12.8245% | 346 |
| Net charge-offs to loans | -0.0768% | 7,910 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1505% | 7,883 |
| Assets per employee ($millions) | 4.1214% | 3,449 |
| Cash dividends to net income (ytd only)* | 15.3061% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 2,423 |
| Loan loss allowance to noncurrent loans | 322.8571% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 6,691 |
| Noncurrent loans to loans | 0.5198% | 6,231 |
| Net loans and leases to total assets | 58.4140% | 5,907 |
| Net loans and leases to deposits | 69.5230% | 6,040 |
| Net loans and leases to core deposits | 80.7280% | 6,340 |
| Total domestic deposits to total assets | 84.0212% | 3,756 |
| Equity capital to assets | 14.6178% | 1,137 |
| Core capital (leverage) ratio | 14.2892% | 1,071 |
| Tier 1 risk-based capital ratio | 24.4139% | 987 |
| Total risk-based capital ratio | 25.6524% | 976 |
| Memoranda: | ||
| Average total assets | $44,131,330 | 7,050 |
| Average earning assets | $40,491,670 | 7,033 |
| Average equity | $6,472,000 | 6,541 |
| Average total loans | $26,031,000 | 6,966 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5638% | 4,553 |
| Cost of funding earning assets | 1.6382% | 5,871 |
| Net interest margin | 3.9256% | 2,949 |
| Noninterest income to average assets | 0.4319% | 4,948 |
| Noninterest expense to average assets | 1.8930% | 7,560 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1503% | 256 |
| Return on assets (ROA) | 2.1503% | 298 |
| Pretax return on assets | 2.1503% | 493 |
| Return on Equity (ROE) | 14.6376% | 1,046 |
| Retained earnings to average equity (ytd only) | 14.6376% | 454 |
| Net charge-offs to loans | -0.0469% | 7,679 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8182% | 7,803 |
| Assets per employee ($millions) | 4.0365% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 2,028 |
| Loan loss allowance to noncurrent loans | 1,541.3793% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 7,400 |
| Noncurrent loans to loans | 0.1125% | 7,209 |
| Net loans and leases to total assets | 57.0740% | 6,088 |
| Net loans and leases to deposits | 68.0249% | 6,186 |
| Net loans and leases to core deposits | 78.1268% | 6,526 |
| Total domestic deposits to total assets | 83.9016% | 3,751 |
| Equity capital to assets | 14.7156% | 1,179 |
| Core capital (leverage) ratio | 14.5827% | 1,063 |
| Tier 1 risk-based capital ratio | 24.6799% | 1,009 |
| Total risk-based capital ratio | 25.9367% | 989 |
| Memoranda: | ||
| Average total assets | $43,529,500 | 7,116 |
| Average earning assets | $40,044,500 | 7,097 |
| Average equity | $6,394,500 | 6,616 |
| Average total loans | $25,579,500 | 7,020 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8559% | 6,253 |
| Cost of funding earning assets | 1.9511% | 6,562 |
| Net interest margin | 3.9048% | 3,532 |
| Noninterest income to average assets | 0.4258% | 5,252 |
| Noninterest expense to average assets | 2.4147% | 6,341 |
| Loan and lease loss provision to assets | 0.1189% | 5,847 |
| Net operating income to assets | 1.4916% | 1,043 |
| Return on assets (ROA) | 1.4916% | 1,001 |
| Pretax return on assets | 1.5059% | 1,666 |
| Return on Equity (ROE) | 10.3510% | 2,140 |
| Retained earnings to average equity (ytd only) | 5.3984% | 1,811 |
| Net charge-offs to loans | 0.0598% | 5,926 |
| Credit loss provision to net charge-offs | 333.3333% | 1,353 |
| Earnings coverage of net charge-offs (x) | 45.5333% | 819 |
| Efficiency ratio | 59.7762% | 6,390 |
| Assets per employee ($millions) | 3.8779% | 3,791 |
| Cash dividends to net income (ytd only)* | 47.8469% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 1,764 |
| Loan loss allowance to noncurrent loans | 6,342.8571% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 7,538 |
| Noncurrent loans to loans | 0.0276% | 7,402 |
| Net loans and leases to total assets | 58.4336% | 6,139 |
| Net loans and leases to deposits | 69.6685% | 6,306 |
| Net loans and leases to core deposits | 79.2434% | 6,674 |
| Total domestic deposits to total assets | 83.8737% | 3,384 |
| Equity capital to assets | 14.6635% | 1,261 |
| Core capital (leverage) ratio | 14.0839% | 1,241 |
| Tier 1 risk-based capital ratio | 24.2328% | 1,062 |
| Total risk-based capital ratio | 25.4900% | 1,038 |
| Memoranda: | ||
| Average total assets | $42,035,000 | 7,127 |
| Average earning assets | $38,901,200 | 7,091 |
| Average equity | $6,057,400 | 6,782 |
| Average total loans | $25,101,000 | 7,021 |