Home > State Bank of Whittington > Performance and Condition Ratios
State Bank of Whittington, 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 | 4.4115% | 3,256 |
| Cost of funding earning assets | 0.6042% | 4,065 |
| Net interest margin | 3.8073% | 1,555 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.9309% | 1,214 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.1242% | 1,843 |
| Return on assets (ROA) | 1.0512% | 2,033 |
| Pretax return on assets | 1.0512% | 2,531 |
| Return on Equity (ROE) | 15.0700% | 1,277 |
| Retained earnings to average equity (ytd only) | 9.2542% | 1,195 |
| Net charge-offs to loans | 0.1850% | 582 |
| Credit loss provision to net charge-offs | 102.7778% | 1,811 |
| Earnings coverage of net charge-offs (x) | 11.8056% | 2,174 |
| Efficiency ratio | 70.4163% | 1,825 |
| Assets per employee ($millions) | 3.7971% | 4,221 |
| Cash dividends to net income (ytd only)* | 38.5888% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 3,197 |
| Loan loss allowance to noncurrent loans | 184.3310% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 1,583 |
| Noncurrent loans to loans | 0.5552% | 1,411 |
| Net loans and leases to total assets | 57.9700% | 3,039 |
| Net loans and leases to deposits | 63.3709% | 3,327 |
| Net loans and leases to core deposits | 66.7042% | 3,463 |
| Total domestic deposits to total assets | 91.4800% | 396 |
| Equity capital to assets | 7.8750% | 3,501 |
| Core capital (leverage) ratio | 10.1256% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7433% | 1,334 |
| Memoranda: | ||
| Average total assets | $172,572,400 | 3,178 |
| Average earning assets | $157,068,000 | 3,189 |
| Average equity | $12,037,800 | 3,520 |
| Average total loans | $97,276,600 | 3,208 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 3,223 |
| Cost of funding earning assets | 0.5108% | 4,121 |
| Net interest margin | 3.8256% | 1,544 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.8828% | 1,260 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.1764% | 1,862 |
| Return on assets (ROA) | 1.0787% | 2,108 |
| Pretax return on assets | 1.0787% | 2,631 |
| Return on Equity (ROE) | 15.9900% | 1,261 |
| Retained earnings to average equity (ytd only) | 11.3937% | 1,089 |
| Net charge-offs to loans | 0.1375% | 592 |
| Credit loss provision to net charge-offs | 140.4040% | 1,361 |
| Earnings coverage of net charge-offs (x) | 16.7374% | 1,923 |
| Efficiency ratio | 69.1836% | 1,880 |
| Assets per employee ($millions) | 3.6621% | 4,281 |
| Cash dividends to net income (ytd only)* | 28.7356% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,010 |
| Loan loss allowance to noncurrent loans | 152.3944% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 1,371 |
| Noncurrent loans to loans | 0.7033% | 1,178 |
| Net loans and leases to total assets | 56.8200% | 3,135 |
| Net loans and leases to deposits | 62.8262% | 3,345 |
| Net loans and leases to core deposits | 66.5818% | 3,402 |
| Total domestic deposits to total assets | 90.4400% | 830 |
| Equity capital to assets | 6.5985% | 3,796 |
| Core capital (leverage) ratio | 10.2327% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2403% | 1,060 |
| Memoranda: | ||
| Average total assets | $172,049,000 | 3,192 |
| Average earning assets | $156,625,500 | 3,205 |
| Average equity | $11,608,500 | 3,564 |
| Average total loans | $96,018,750 | 3,224 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 3,141 |
| Cost of funding earning assets | 0.4046% | 4,160 |
| Net interest margin | 3.8705% | 1,485 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.9180% | 1,179 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.1873% | 1,862 |
| Return on assets (ROA) | 1.1136% | 2,076 |
| Pretax return on assets | 1.1136% | 2,607 |
| Return on Equity (ROE) | 16.3800% | 1,204 |
| Retained earnings to average equity (ytd only) | 9.4905% | 1,546 |
| Net charge-offs to loans | 0.1801% | 439 |
| Credit loss provision to net charge-offs | 123.5294% | 1,316 |
| Earnings coverage of net charge-offs (x) | 13.1647% | 1,911 |
| Efficiency ratio | 69.0114% | 1,864 |
| Assets per employee ($millions) | 3.7378% | 4,278 |
| Cash dividends to net income (ytd only)* | 42.0610% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,084 |
| Loan loss allowance to noncurrent loans | 262.8713% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 1,926 |
| Noncurrent loans to loans | 0.4076% | 1,709 |
| Net loans and leases to total assets | 57.0300% | 3,038 |
| Net loans and leases to deposits | 63.4793% | 3,228 |
| Net loans and leases to core deposits | 66.2185% | 3,338 |
| Total domestic deposits to total assets | 89.8400% | 969 |
| Equity capital to assets | 7.0246% | 3,783 |
| Core capital (leverage) ratio | 9.9724% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5949% | 1,410 |
| Memoranda: | ||
| Average total assets | $170,804,667 | 3,210 |
| Average earning assets | $156,205,667 | 3,216 |
| Average equity | $11,611,667 | 3,576 |
| Average total loans | $94,372,333 | 3,239 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2087% | 3,021 |
| Cost of funding earning assets | 0.2866% | 4,228 |
| Net interest margin | 3.9221% | 1,429 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 3.0170% | 1,033 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.1772% | 1,999 |
| Return on assets (ROA) | 1.1772% | 1,958 |
| Pretax return on assets | 1.1772% | 2,486 |
| Return on Equity (ROE) | 17.6100% | 1,082 |
| Retained earnings to average equity (ytd only) | 3.5506% | 3,382 |
| Net charge-offs to loans | 0.1739% | 414 |
| Credit loss provision to net charge-offs | 147.5000% | 955 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,574 |
| Efficiency ratio | 69.6312% | 1,787 |
| Assets per employee ($millions) | 3.8818% | 4,302 |
| Cash dividends to net income (ytd only)* | 79.8403% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 2,831 |
| Loan loss allowance to noncurrent loans | 213.0522% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 1,609 |
| Noncurrent loans to loans | 0.5378% | 1,378 |
| Net loans and leases to total assets | 53.5900% | 3,232 |
| Net loans and leases to deposits | 58.0545% | 3,450 |
| Net loans and leases to core deposits | 59.3244% | 3,573 |
| Total domestic deposits to total assets | 92.3100% | 441 |
| Equity capital to assets | 6.9724% | 3,844 |
| Core capital (leverage) ratio | 9.7006% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2219% | 1,325 |
| Memoranda: | ||
| Average total assets | $170,238,000 | 3,259 |
| Average earning assets | $154,915,500 | 3,267 |
| Average equity | $11,378,500 | 3,635 |
| Average total loans | $91,998,000 | 3,302 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 2,056 |
| Cost of funding earning assets | 0.0949% | 4,414 |
| Net interest margin | 3.7771% | 1,206 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.9266% | 1,082 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.1292% | 2,058 |
| Return on assets (ROA) | 1.1292% | 2,002 |
| Pretax return on assets | 1.1292% | 2,672 |
| Return on Equity (ROE) | 15.5200% | 1,141 |
| Retained earnings to average equity (ytd only) | 9.0202% | 1,475 |
| Net charge-offs to loans | 0.2208% | 368 |
| Credit loss provision to net charge-offs | 85.6383% | 1,655 |
| Earnings coverage of net charge-offs (x) | 11.0213% | 2,167 |
| Efficiency ratio | 70.5053% | 1,622 |
| Assets per employee ($millions) | 3.8563% | 4,329 |
| Cash dividends to net income (ytd only)* | 41.8629% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 2,698 |
| Loan loss allowance to noncurrent loans | 125.6936% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 1,003 |
| Noncurrent loans to loans | 0.9070% | 817 |
| Net loans and leases to total assets | 53.2500% | 3,262 |
| Net loans and leases to deposits | 57.2628% | 3,498 |
| Net loans and leases to core deposits | 58.1854% | 3,601 |
| Total domestic deposits to total assets | 93.0000% | 407 |
| Equity capital to assets | 6.3934% | 3,943 |
| Core capital (leverage) ratio | 9.6844% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1001% | 1,346 |
| Memoranda: | ||
| Average total assets | $169,238,400 | 3,274 |
| Average earning assets | $153,900,400 | 3,285 |
| Average equity | $12,316,800 | 3,642 |
| Average total loans | $85,130,000 | 3,342 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 1,818 |
| Cost of funding earning assets | 0.0832% | 4,396 |
| Net interest margin | 3.6964% | 1,146 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.8333% | 1,184 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1486% | 1,896 |
| Return on assets (ROA) | 1.1486% | 1,869 |
| Pretax return on assets | 1.1486% | 2,557 |
| Return on Equity (ROE) | 15.3200% | 1,108 |
| Retained earnings to average equity (ytd only) | 11.1108% | 1,023 |
| Net charge-offs to loans | 0.1388% | 471 |
| Credit loss provision to net charge-offs | 132.1839% | 1,171 |
| Earnings coverage of net charge-offs (x) | 18.0690% | 1,772 |
| Efficiency ratio | 69.5703% | 1,813 |
| Assets per employee ($millions) | 3.9054% | 4,358 |
| Cash dividends to net income (ytd only)* | 27.4537% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 2,271 |
| Loan loss allowance to noncurrent loans | 180.4276% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 1,350 |
| Noncurrent loans to loans | 0.6916% | 1,180 |
| Net loans and leases to total assets | 51.7000% | 3,313 |
| Net loans and leases to deposits | 55.3664% | 3,529 |
| Net loans and leases to core deposits | 55.8994% | 3,635 |
| Total domestic deposits to total assets | 93.3700% | 480 |
| Equity capital to assets | 5.9286% | 3,989 |
| Core capital (leverage) ratio | 9.8209% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5563% | 1,273 |
| Memoranda: | ||
| Average total assets | $169,129,250 | 3,305 |
| Average earning assets | $153,767,250 | 3,314 |
| Average equity | $12,684,000 | 3,641 |
| Average total loans | $83,562,250 | 3,370 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6504% | 1,680 |
| Cost of funding earning assets | 0.0816% | 4,362 |
| Net interest margin | 3.5688% | 1,137 |
| Noninterest income to average assets | 0.7031% | 1,326 |
| Noninterest expense to average assets | 2.7488% | 1,272 |
| Loan and lease loss provision to assets | 0.0790% | 1,231 |
| Net operating income to assets | 1.1243% | 1,685 |
| Return on assets (ROA) | 1.1243% | 1,664 |
| Pretax return on assets | 1.1243% | 2,325 |
| Return on Equity (ROE) | 14.0216% | 1,111 |
| Retained earnings to average equity (ytd only) | 8.1363% | 1,569 |
| Net charge-offs to loans | 0.1632% | 386 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 15.2239% | 1,641 |
| Efficiency ratio | 69.5522% | 2,020 |
| Assets per employee ($millions) | 3.8159% | 4,445 |
| Cash dividends to net income (ytd only)* | 41.9727% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 2,310 |
| Loan loss allowance to noncurrent loans | 304.5584% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 2,022 |
| Noncurrent loans to loans | 0.4182% | 1,862 |
| Net loans and leases to total assets | 49.3481% | 3,436 |
| Net loans and leases to deposits | 53.4428% | 3,573 |
| Net loans and leases to core deposits | 53.6140% | 3,719 |
| Total domestic deposits to total assets | 92.3383% | 709 |
| Equity capital to assets | 6.9083% | 3,814 |
| Core capital (leverage) ratio | 9.4545% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5104% | 1,301 |
| Memoranda: | ||
| Average total assets | $169,528,667 | 3,339 |
| Average earning assets | $154,339,667 | 3,353 |
| Average equity | $13,593,333 | 3,623 |
| Average total loans | $82,112,667 | 3,426 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5200% | 1,741 |
| Cost of funding earning assets | 0.0801% | 4,356 |
| Net interest margin | 3.4399% | 1,206 |
| Noninterest income to average assets | 0.7232% | 1,238 |
| Noninterest expense to average assets | 2.6863% | 1,396 |
| Loan and lease loss provision to assets | 0.1010% | 823 |
| Net operating income to assets | 1.0614% | 1,647 |
| Return on assets (ROA) | 1.0614% | 1,642 |
| Pretax return on assets | 1.0614% | 2,258 |
| Return on Equity (ROE) | 12.3916% | 1,199 |
| Retained earnings to average equity (ytd only) | 12.3916% | 544 |
| Net charge-offs to loans | 0.0246% | 1,074 |
| Credit loss provision to net charge-offs | 860.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 679 |
| Efficiency ratio | 69.7987% | 2,259 |
| Assets per employee ($millions) | 3.6471% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 2,189 |
| Loan loss allowance to noncurrent loans | 350.3165% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 2,188 |
| Noncurrent loans to loans | 0.3815% | 2,122 |
| Net loans and leases to total assets | 47.6720% | 3,419 |
| Net loans and leases to deposits | 52.0053% | 3,570 |
| Net loans and leases to core deposits | 52.1697% | 3,721 |
| Total domestic deposits to total assets | 91.6676% | 714 |
| Equity capital to assets | 7.6965% | 3,801 |
| Core capital (leverage) ratio | 9.5428% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0569% | 1,030 |
| Memoranda: | ||
| Average total assets | $170,343,500 | 3,342 |
| Average earning assets | $154,773,500 | 3,366 |
| Average equity | $14,590,500 | 3,597 |
| Average total loans | $81,207,000 | 3,442 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7142% | 2,068 |
| Cost of funding earning assets | 0.1077% | 4,328 |
| Net interest margin | 3.6065% | 1,447 |
| Noninterest income to average assets | 0.7217% | 1,686 |
| Noninterest expense to average assets | 2.9079% | 1,131 |
| Loan and lease loss provision to assets | 0.1309% | 938 |
| Net operating income to assets | 0.9693% | 2,801 |
| Return on assets (ROA) | 1.0601% | 2,516 |
| Pretax return on assets | 1.0601% | 3,104 |
| Return on Equity (ROE) | 10.6270% | 2,301 |
| Retained earnings to average equity (ytd only) | 4.4377% | 3,037 |
| Net charge-offs to loans | 0.1182% | 763 |
| Credit loss provision to net charge-offs | 220.8333% | 1,249 |
| Earnings coverage of net charge-offs (x) | 18.5625% | 1,907 |
| Efficiency ratio | 72.5508% | 1,450 |
| Assets per employee ($millions) | 3.6015% | 4,567 |
| Cash dividends to net income (ytd only)* | 58.2411% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 2,173 |
| Loan loss allowance to noncurrent loans | 331.9876% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 2,311 |
| Noncurrent loans to loans | 0.4046% | 2,146 |
| Net loans and leases to total assets | 46.3875% | 3,659 |
| Net loans and leases to deposits | 51.5534% | 3,765 |
| Net loans and leases to core deposits | 51.7212% | 3,912 |
| Total domestic deposits to total assets | 89.9794% | 970 |
| Equity capital to assets | 9.4452% | 3,189 |
| Core capital (leverage) ratio | 9.5663% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7238% | 1,332 |
| Memoranda: | ||
| Average total assets | $161,971,000 | 3,381 |
| Average earning assets | $147,595,200 | 3,399 |
| Average equity | $16,157,000 | 3,526 |
| Average total loans | $81,197,800 | 3,455 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7531% | 2,136 |
| Cost of funding earning assets | 0.1144% | 4,392 |
| Net interest margin | 3.6387% | 1,497 |
| Noninterest income to average assets | 0.7268% | 1,743 |
| Noninterest expense to average assets | 2.9323% | 1,073 |
| Loan and lease loss provision to assets | 0.1567% | 704 |
| Net operating income to assets | 0.9491% | 3,083 |
| Return on assets (ROA) | 1.0715% | 2,709 |
| Pretax return on assets | 1.0715% | 3,264 |
| Return on Equity (ROE) | 10.5928% | 2,524 |
| Retained earnings to average equity (ytd only) | 5.6544% | 2,978 |
| Net charge-offs to loans | 0.1438% | 571 |
| Credit loss provision to net charge-offs | 213.6364% | 1,172 |
| Earnings coverage of net charge-offs (x) | 15.0909% | 1,873 |
| Efficiency ratio | 72.6186% | 1,349 |
| Assets per employee ($millions) | 3.6352% | 4,596 |
| Cash dividends to net income (ytd only)* | 46.6200% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 2,608 |
| Loan loss allowance to noncurrent loans | 711.4865% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 3,072 |
| Noncurrent loans to loans | 0.1793% | 3,235 |
| Net loans and leases to total assets | 49.8074% | 3,431 |
| Net loans and leases to deposits | 55.7362% | 3,603 |
| Net loans and leases to core deposits | 55.9248% | 3,775 |
| Total domestic deposits to total assets | 89.3628% | 1,092 |
| Equity capital to assets | 10.0663% | 2,833 |
| Core capital (leverage) ratio | 9.7989% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8341% | 1,382 |
| Memoranda: | ||
| Average total assets | $160,145,750 | 3,428 |
| Average earning assets | $145,725,000 | 3,453 |
| Average equity | $16,199,250 | 3,570 |
| Average total loans | $81,599,750 | 3,497 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7777% | 2,126 |
| Cost of funding earning assets | 0.1218% | 4,426 |
| Net interest margin | 3.6559% | 1,454 |
| Noninterest income to average assets | 0.7434% | 1,685 |
| Noninterest expense to average assets | 2.9308% | 1,100 |
| Loan and lease loss provision to assets | 0.1774% | 649 |
| Net operating income to assets | 0.9585% | 3,038 |
| Return on assets (ROA) | 1.1145% | 2,556 |
| Pretax return on assets | 1.1145% | 3,164 |
| Return on Equity (ROE) | 10.9994% | 2,422 |
| Retained earnings to average equity (ytd only) | 3.5506% | 3,666 |
| Net charge-offs to loans | 0.1550% | 536 |
| Credit loss provision to net charge-offs | 223.8095% | 1,005 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 1,668 |
| Efficiency ratio | 72.0693% | 1,427 |
| Assets per employee ($millions) | 3.6260% | 4,623 |
| Cash dividends to net income (ytd only)* | 67.7201% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,548 |
| Loan loss allowance to noncurrent loans | 435.0211% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 2,862 |
| Noncurrent loans to loans | 0.2937% | 2,876 |
| Net loans and leases to total assets | 48.8291% | 3,658 |
| Net loans and leases to deposits | 54.6045% | 3,818 |
| Net loans and leases to core deposits | 54.7896% | 3,978 |
| Total domestic deposits to total assets | 89.4232% | 1,066 |
| Equity capital to assets | 9.8438% | 3,009 |
| Core capital (leverage) ratio | 9.5413% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7834% | 1,392 |
| Memoranda: | ||
| Average total assets | $158,999,000 | 3,444 |
| Average earning assets | $144,531,667 | 3,472 |
| Average equity | $16,110,000 | 3,585 |
| Average total loans | $81,289,333 | 3,527 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7941% | 2,117 |
| Cost of funding earning assets | 0.1342% | 4,422 |
| Net interest margin | 3.6599% | 1,428 |
| Noninterest income to average assets | 0.8361% | 1,500 |
| Noninterest expense to average assets | 2.9800% | 1,031 |
| Loan and lease loss provision to assets | 0.2320% | 484 |
| Net operating income to assets | 0.9610% | 2,926 |
| Return on assets (ROA) | 1.1140% | 2,511 |
| Pretax return on assets | 1.1140% | 3,079 |
| Return on Equity (ROE) | 10.8343% | 2,411 |
| Retained earnings to average equity (ytd only) | -4.0412% | 4,660 |
| Net charge-offs to loans | 0.1716% | 464 |
| Credit loss provision to net charge-offs | 260.0000% | 801 |
| Earnings coverage of net charge-offs (x) | 13.3714% | 1,406 |
| Efficiency ratio | 71.4111% | 1,553 |
| Assets per employee ($millions) | 3.6845% | 4,629 |
| Cash dividends to net income (ytd only)* | 137.2998% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,628 |
| Loan loss allowance to noncurrent loans | 274.9319% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 2,649 |
| Noncurrent loans to loans | 0.4574% | 2,483 |
| Net loans and leases to total assets | 48.8740% | 3,722 |
| Net loans and leases to deposits | 54.5073% | 3,905 |
| Net loans and leases to core deposits | 54.6924% | 4,066 |
| Total domestic deposits to total assets | 89.6650% | 987 |
| Equity capital to assets | 9.6435% | 3,057 |
| Core capital (leverage) ratio | 9.7029% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2122% | 1,502 |
| Memoranda: | ||
| Average total assets | $156,914,000 | 3,468 |
| Average earning assets | $143,063,500 | 3,489 |
| Average equity | $16,134,000 | 3,594 |
| Average total loans | $81,581,500 | 3,533 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 1,687 |
| Cost of funding earning assets | 0.1981% | 4,589 |
| Net interest margin | 4.1640% | 699 |
| Noninterest income to average assets | 0.7110% | 1,828 |
| Noninterest expense to average assets | 3.2053% | 1,048 |
| Loan and lease loss provision to assets | 0.1873% | 2,083 |
| Net operating income to assets | 1.1363% | 1,779 |
| Return on assets (ROA) | 1.1771% | 1,737 |
| Pretax return on assets | 1.1771% | 2,410 |
| Return on Equity (ROE) | 10.8550% | 1,684 |
| Retained earnings to average equity (ytd only) | 6.9597% | 1,411 |
| Net charge-offs to loans | 0.2421% | 717 |
| Credit loss provision to net charge-offs | 133.0000% | 2,530 |
| Earnings coverage of net charge-offs (x) | 9.4000% | 2,528 |
| Efficiency ratio | 70.7757% | 1,839 |
| Assets per employee ($millions) | 3.4479% | 4,675 |
| Cash dividends to net income (ytd only)* | 35.8852% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 3,212 |
| Loan loss allowance to noncurrent loans | 148.4424% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 2,178 |
| Noncurrent loans to loans | 0.7742% | 1,781 |
| Net loans and leases to total assets | 54.0291% | 3,483 |
| Net loans and leases to deposits | 61.1439% | 3,668 |
| Net loans and leases to core deposits | 61.3686% | 3,865 |
| Total domestic deposits to total assets | 88.3639% | 1,296 |
| Equity capital to assets | 10.9644% | 2,284 |
| Core capital (leverage) ratio | 10.2952% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1989% | 1,470 |
| Memoranda: | ||
| Average total assets | $142,045,000 | 3,488 |
| Average earning assets | $130,233,800 | 3,503 |
| Average equity | $15,403,000 | 3,622 |
| Average total loans | $82,621,200 | 3,515 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 1,803 |
| Cost of funding earning assets | 0.2067% | 4,647 |
| Net interest margin | 4.2127% | 709 |
| Noninterest income to average assets | 0.7104% | 1,765 |
| Noninterest expense to average assets | 3.2189% | 1,043 |
| Loan and lease loss provision to assets | 0.1841% | 2,143 |
| Net operating income to assets | 1.1802% | 1,709 |
| Return on assets (ROA) | 1.2356% | 1,652 |
| Pretax return on assets | 1.2356% | 2,274 |
| Return on Equity (ROE) | 11.4294% | 1,542 |
| Retained earnings to average equity (ytd only) | 6.1298% | 2,053 |
| Net charge-offs to loans | 0.1971% | 774 |
| Credit loss provision to net charge-offs | 158.1967% | 2,280 |
| Earnings coverage of net charge-offs (x) | 11.7131% | 2,287 |
| Efficiency ratio | 70.2292% | 1,854 |
| Assets per employee ($millions) | 3.2465% | 4,765 |
| Cash dividends to net income (ytd only)* | 46.3679% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 2,970 |
| Loan loss allowance to noncurrent loans | 119.4514% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 2,014 |
| Noncurrent loans to loans | 0.9555% | 1,581 |
| Net loans and leases to total assets | 56.7975% | 3,544 |
| Net loans and leases to deposits | 64.4119% | 3,764 |
| Net loans and leases to core deposits | 64.6578% | 3,975 |
| Total domestic deposits to total assets | 88.1786% | 1,133 |
| Equity capital to assets | 11.0910% | 2,328 |
| Core capital (leverage) ratio | 10.3397% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9715% | 1,504 |
| Memoranda: | ||
| Average total assets | $139,629,000 | 3,505 |
| Average earning assets | $128,369,500 | 3,510 |
| Average equity | $15,095,250 | 3,645 |
| Average total loans | $82,546,500 | 3,532 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 2,019 |
| Cost of funding earning assets | 0.2100% | 4,741 |
| Net interest margin | 4.2543% | 820 |
| Noninterest income to average assets | 0.7332% | 1,628 |
| Noninterest expense to average assets | 3.2151% | 1,134 |
| Loan and lease loss provision to assets | 0.2211% | 1,890 |
| Net operating income to assets | 1.2162% | 1,597 |
| Return on assets (ROA) | 1.3006% | 1,467 |
| Pretax return on assets | 1.3006% | 2,027 |
| Return on Equity (ROE) | 12.1418% | 1,300 |
| Retained earnings to average equity (ytd only) | 3.9929% | 2,913 |
| Net charge-offs to loans | 0.2485% | 634 |
| Credit loss provision to net charge-offs | 149.0196% | 2,131 |
| Earnings coverage of net charge-offs (x) | 9.6863% | 2,203 |
| Efficiency ratio | 69.1057% | 2,074 |
| Assets per employee ($millions) | 3.1870% | 4,794 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 2,857 |
| Loan loss allowance to noncurrent loans | 117.4185% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5983% | 2,012 |
| Noncurrent loans to loans | 0.9664% | 1,601 |
| Net loans and leases to total assets | 56.9256% | 3,618 |
| Net loans and leases to deposits | 64.4884% | 3,847 |
| Net loans and leases to core deposits | 64.7379% | 4,035 |
| Total domestic deposits to total assets | 88.2727% | 1,051 |
| Equity capital to assets | 10.8467% | 2,465 |
| Core capital (leverage) ratio | 10.3646% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7936% | 1,547 |
| Memoranda: | ||
| Average total assets | $137,475,000 | 3,512 |
| Average earning assets | $126,647,667 | 3,515 |
| Average equity | $14,726,000 | 3,687 |
| Average total loans | $82,084,000 | 3,542 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,915 |
| Cost of funding earning assets | 0.2167% | 4,852 |
| Net interest margin | 4.4120% | 609 |
| Noninterest income to average assets | 0.7673% | 1,404 |
| Noninterest expense to average assets | 3.2713% | 1,282 |
| Loan and lease loss provision to assets | 0.2290% | 1,351 |
| Net operating income to assets | 1.3234% | 1,180 |
| Return on assets (ROA) | 1.3501% | 1,190 |
| Pretax return on assets | 1.3501% | 1,715 |
| Return on Equity (ROE) | 12.6895% | 939 |
| Retained earnings to average equity (ytd only) | -4.0808% | 4,446 |
| Net charge-offs to loans | 0.3861% | 373 |
| Credit loss provision to net charge-offs | 97.4684% | 1,869 |
| Earnings coverage of net charge-offs (x) | 6.6076% | 1,977 |
| Efficiency ratio | 67.8175% | 2,702 |
| Assets per employee ($millions) | 2.9953% | 4,798 |
| Cash dividends to net income (ytd only)* | 132.1586% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,279 |
| Loan loss allowance to noncurrent loans | 131.3056% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 2,361 |
| Noncurrent loans to loans | 0.8277% | 1,953 |
| Net loans and leases to total assets | 59.7593% | 3,524 |
| Net loans and leases to deposits | 67.4558% | 3,764 |
| Net loans and leases to core deposits | 67.7828% | 3,999 |
| Total domestic deposits to total assets | 88.5903% | 842 |
| Equity capital to assets | 10.5906% | 3,240 |
| Core capital (leverage) ratio | 10.4631% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6334% | 1,707 |
| Memoranda: | ||
| Average total assets | $134,504,000 | 3,528 |
| Average earning assets | $123,661,500 | 3,525 |
| Average equity | $14,311,000 | 3,734 |
| Average total loans | $81,837,000 | 3,551 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5523% | 2,774 |
| Cost of funding earning assets | 0.2144% | 4,924 |
| Net interest margin | 4.3379% | 1,006 |
| Noninterest income to average assets | 0.8507% | 1,296 |
| Noninterest expense to average assets | 3.3736% | 1,162 |
| Loan and lease loss provision to assets | 0.1903% | 1,075 |
| Net operating income to assets | 1.3069% | 1,662 |
| Return on assets (ROA) | 1.2725% | 1,875 |
| Pretax return on assets | 1.2725% | 2,604 |
| Return on Equity (ROE) | 12.0257% | 1,501 |
| Retained earnings to average equity (ytd only) | 1.9140% | 4,039 |
| Net charge-offs to loans | 0.2173% | 940 |
| Credit loss provision to net charge-offs | 148.2143% | 1,732 |
| Earnings coverage of net charge-offs (x) | 11.6607% | 2,478 |
| Efficiency ratio | 69.2609% | 2,281 |
| Assets per employee ($millions) | 2.8557% | 4,882 |
| Cash dividends to net income (ytd only)* | 84.0841% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,070 |
| Loan loss allowance to noncurrent loans | 117.9521% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 2,080 |
| Noncurrent loans to loans | 0.9144% | 1,678 |
| Net loans and leases to total assets | 60.6121% | 3,538 |
| Net loans and leases to deposits | 68.4191% | 3,785 |
| Net loans and leases to core deposits | 68.8988% | 4,031 |
| Total domestic deposits to total assets | 88.5895% | 847 |
| Equity capital to assets | 10.6892% | 3,267 |
| Core capital (leverage) ratio | 10.6135% | 2,845 |
| Tier 1 risk-based capital ratio | 14.7813% | 2,875 |
| Total risk-based capital ratio | 15.7039% | 2,937 |
| Memoranda: | ||
| Average total assets | $130,840,600 | 3,555 |
| Average earning assets | $121,258,000 | 3,546 |
| Average equity | $13,845,400 | 3,773 |
| Average total loans | $77,309,400 | 3,647 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 3,062 |
| Cost of funding earning assets | 0.2144% | 5,007 |
| Net interest margin | 4.2863% | 1,188 |
| Noninterest income to average assets | 0.8513% | 1,269 |
| Noninterest expense to average assets | 3.3272% | 1,210 |
| Loan and lease loss provision to assets | 0.1836% | 983 |
| Net operating income to assets | 1.3190% | 1,772 |
| Return on assets (ROA) | 1.2718% | 2,024 |
| Pretax return on assets | 1.2718% | 2,748 |
| Return on Equity (ROE) | 12.0502% | 1,602 |
| Retained earnings to average equity (ytd only) | 4.2759% | 3,259 |
| Net charge-offs to loans | 0.2068% | 851 |
| Credit loss provision to net charge-offs | 151.6949% | 1,618 |
| Earnings coverage of net charge-offs (x) | 12.4152% | 2,362 |
| Efficiency ratio | 68.8894% | 2,272 |
| Assets per employee ($millions) | 3.2437% | 4,714 |
| Cash dividends to net income (ytd only)* | 64.5162% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,114 |
| Loan loss allowance to noncurrent loans | 109.0566% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 2,159 |
| Noncurrent loans to loans | 0.9932% | 1,610 |
| Net loans and leases to total assets | 59.5386% | 3,721 |
| Net loans and leases to deposits | 67.4644% | 3,961 |
| Net loans and leases to core deposits | 67.9420% | 4,179 |
| Total domestic deposits to total assets | 88.2518% | 939 |
| Equity capital to assets | 11.0316% | 3,074 |
| Core capital (leverage) ratio | 10.9507% | 2,689 |
| Tier 1 risk-based capital ratio | 15.5893% | 2,606 |
| Total risk-based capital ratio | 16.5289% | 2,654 |
| Memoranda: | ||
| Average total assets | $129,996,000 | 3,599 |
| Average earning assets | $120,660,250 | 3,597 |
| Average equity | $13,720,000 | 3,828 |
| Average total loans | $76,076,750 | 3,703 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 3,045 |
| Cost of funding earning assets | 0.2089% | 5,053 |
| Net interest margin | 4.2821% | 1,180 |
| Noninterest income to average assets | 0.8434% | 1,224 |
| Noninterest expense to average assets | 3.2807% | 1,318 |
| Loan and lease loss provision to assets | 0.1752% | 1,026 |
| Net operating income to assets | 1.3597% | 1,544 |
| Return on assets (ROA) | 1.2977% | 1,839 |
| Pretax return on assets | 1.2977% | 2,564 |
| Return on Equity (ROE) | 12.4897% | 1,417 |
| Retained earnings to average equity (ytd only) | 0.5521% | 4,555 |
| Net charge-offs to loans | 0.1739% | 935 |
| Credit loss provision to net charge-offs | 173.8462% | 1,343 |
| Earnings coverage of net charge-offs (x) | 15.2308% | 1,997 |
| Efficiency ratio | 68.1262% | 2,514 |
| Assets per employee ($millions) | 3.0762% | 4,857 |
| Cash dividends to net income (ytd only)* | 95.5795% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 2,866 |
| Loan loss allowance to noncurrent loans | 98.3871% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 1,991 |
| Noncurrent loans to loans | 1.1546% | 1,405 |
| Net loans and leases to total assets | 57.5275% | 3,956 |
| Net loans and leases to deposits | 65.2151% | 4,147 |
| Net loans and leases to core deposits | 66.8709% | 4,271 |
| Total domestic deposits to total assets | 88.2120% | 1,005 |
| Equity capital to assets | 10.8770% | 3,198 |
| Core capital (leverage) ratio | 10.7814% | 2,809 |
| Tier 1 risk-based capital ratio | 15.8941% | 2,460 |
| Total risk-based capital ratio | 16.8648% | 2,510 |
| Memoranda: | ||
| Average total assets | $128,997,670 | 3,632 |
| Average earning assets | $119,661,330 | 3,626 |
| Average equity | $13,403,000 | 3,872 |
| Average total loans | $74,753,000 | 3,748 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 2,957 |
| Cost of funding earning assets | 0.2144% | 5,087 |
| Net interest margin | 4.2607% | 1,169 |
| Noninterest income to average assets | 0.8224% | 1,232 |
| Noninterest expense to average assets | 3.2460% | 1,394 |
| Loan and lease loss provision to assets | 0.1800% | 924 |
| Net operating income to assets | 1.3437% | 1,541 |
| Return on assets (ROA) | 1.2537% | 1,918 |
| Pretax return on assets | 1.2537% | 2,610 |
| Return on Equity (ROE) | 12.3566% | 1,427 |
| Retained earnings to average equity (ytd only) | 0.1223% | 4,501 |
| Net charge-offs to loans | 0.2307% | 623 |
| Credit loss provision to net charge-offs | 134.8837% | 1,327 |
| Earnings coverage of net charge-offs (x) | 11.4186% | 1,910 |
| Efficiency ratio | 68.0547% | 2,633 |
| Assets per employee ($millions) | 3.1146% | 4,903 |
| Cash dividends to net income (ytd only)* | 99.0099% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 3,133 |
| Loan loss allowance to noncurrent loans | 191.8224% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 3,147 |
| Noncurrent loans to loans | 0.5730% | 2,612 |
| Net loans and leases to total assets | 56.4776% | 4,034 |
| Net loans and leases to deposits | 63.5123% | 4,213 |
| Net loans and leases to core deposits | 65.0919% | 4,324 |
| Total domestic deposits to total assets | 88.9239% | 892 |
| Equity capital to assets | 10.2620% | 3,562 |
| Core capital (leverage) ratio | 10.8018% | 2,765 |
| Tier 1 risk-based capital ratio | 15.7561% | 2,546 |
| Total risk-based capital ratio | 16.6834% | 2,595 |
| Memoranda: | ||
| Average total assets | $128,897,000 | 3,672 |
| Average earning assets | $119,417,500 | 3,665 |
| Average equity | $13,078,000 | 3,935 |
| Average total loans | $74,540,000 | 3,792 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3902% | 2,795 |
| Cost of funding earning assets | 0.1975% | 5,013 |
| Net interest margin | 4.1926% | 1,410 |
| Noninterest income to average assets | 0.7591% | 1,606 |
| Noninterest expense to average assets | 3.2574% | 1,421 |
| Loan and lease loss provision to assets | 0.1490% | 1,426 |
| Net operating income to assets | 1.2303% | 2,048 |
| Return on assets (ROA) | 1.2162% | 2,099 |
| Pretax return on assets | 1.2162% | 2,827 |
| Return on Equity (ROE) | 12.7654% | 1,437 |
| Retained earnings to average equity (ytd only) | 6.5926% | 1,869 |
| Net charge-offs to loans | 0.2277% | 858 |
| Credit loss provision to net charge-offs | 117.2840% | 2,213 |
| Earnings coverage of net charge-offs (x) | 10.8580% | 2,678 |
| Efficiency ratio | 70.2520% | 2,141 |
| Assets per employee ($millions) | 2.9530% | 5,019 |
| Cash dividends to net income (ytd only)* | 48.3559% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 3,203 |
| Loan loss allowance to noncurrent loans | 99.2611% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 2,071 |
| Noncurrent loans to loans | 1.0917% | 1,493 |
| Net loans and leases to total assets | 57.9402% | 3,969 |
| Net loans and leases to deposits | 64.9445% | 4,193 |
| Net loans and leases to core deposits | 67.1501% | 4,289 |
| Total domestic deposits to total assets | 89.2149% | 769 |
| Equity capital to assets | 10.0267% | 3,662 |
| Core capital (leverage) ratio | 10.6311% | 2,906 |
| Tier 1 risk-based capital ratio | 15.9434% | 2,425 |
| Total risk-based capital ratio | 16.8648% | 2,489 |
| Memoranda: | ||
| Average total assets | $127,525,000 | 3,677 |
| Average earning assets | $117,945,400 | 3,676 |
| Average equity | $12,150,000 | 4,002 |
| Average total loans | $71,131,000 | 3,849 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 2,854 |
| Cost of funding earning assets | 0.1852% | 5,072 |
| Net interest margin | 4.1439% | 1,509 |
| Noninterest income to average assets | 0.7394% | 1,716 |
| Noninterest expense to average assets | 3.2366% | 1,445 |
| Loan and lease loss provision to assets | 0.1504% | 1,307 |
| Net operating income to assets | 1.1844% | 2,295 |
| Return on assets (ROA) | 1.1844% | 2,296 |
| Pretax return on assets | 1.1844% | 3,048 |
| Return on Equity (ROE) | 12.5949% | 1,579 |
| Retained earnings to average equity (ytd only) | 4.2650% | 3,637 |
| Net charge-offs to loans | 0.2105% | 806 |
| Credit loss provision to net charge-offs | 129.7297% | 1,900 |
| Earnings coverage of net charge-offs (x) | 11.5132% | 2,508 |
| Efficiency ratio | 70.8019% | 2,074 |
| Assets per employee ($millions) | 3.0693% | 4,990 |
| Cash dividends to net income (ytd only)* | 66.1380% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,149 |
| Loan loss allowance to noncurrent loans | 116.1891% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 2,505 |
| Noncurrent loans to loans | 0.9525% | 1,788 |
| Net loans and leases to total assets | 56.2171% | 4,198 |
| Net loans and leases to deposits | 62.3199% | 4,431 |
| Net loans and leases to core deposits | 65.6919% | 4,420 |
| Total domestic deposits to total assets | 90.2072% | 437 |
| Equity capital to assets | 9.0985% | 4,459 |
| Core capital (leverage) ratio | 10.4292% | 3,152 |
| Tier 1 risk-based capital ratio | 15.9870% | 2,457 |
| Total risk-based capital ratio | 16.9453% | 2,505 |
| Memoranda: | ||
| Average total assets | $127,661,000 | 3,709 |
| Average earning assets | $118,049,000 | 3,717 |
| Average equity | $12,004,500 | 4,057 |
| Average total loans | $70,319,000 | 3,902 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 2,902 |
| Cost of funding earning assets | 0.1664% | 5,173 |
| Net interest margin | 4.0957% | 1,575 |
| Noninterest income to average assets | 0.7026% | 1,861 |
| Noninterest expense to average assets | 3.2159% | 1,501 |
| Loan and lease loss provision to assets | 0.1210% | 1,631 |
| Net operating income to assets | 1.1568% | 2,364 |
| Return on assets (ROA) | 1.1568% | 2,364 |
| Pretax return on assets | 1.1568% | 3,107 |
| Return on Equity (ROE) | 12.1690% | 1,665 |
| Retained earnings to average equity (ytd only) | 6.3821% | 2,369 |
| Net charge-offs to loans | 0.1038% | 1,320 |
| Credit loss provision to net charge-offs | 213.8889% | 1,247 |
| Earnings coverage of net charge-offs (x) | 22.5833% | 1,739 |
| Efficiency ratio | 71.5635% | 2,074 |
| Assets per employee ($millions) | 2.9806% | 5,108 |
| Cash dividends to net income (ytd only)* | 47.5543% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 2,902 |
| Loan loss allowance to noncurrent loans | 102.1197% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 2,252 |
| Noncurrent loans to loans | 1.1420% | 1,536 |
| Net loans and leases to total assets | 55.4459% | 4,207 |
| Net loans and leases to deposits | 61.8951% | 4,424 |
| Net loans and leases to core deposits | 65.0275% | 4,429 |
| Total domestic deposits to total assets | 89.5804% | 713 |
| Equity capital to assets | 9.5817% | 4,025 |
| Core capital (leverage) ratio | 10.5551% | 2,978 |
| Tier 1 risk-based capital ratio | 16.3794% | 2,300 |
| Total risk-based capital ratio | 17.3708% | 2,331 |
| Memoranda: | ||
| Average total assets | $127,244,330 | 3,742 |
| Average earning assets | $117,781,330 | 3,751 |
| Average equity | $12,096,330 | 4,072 |
| Average total loans | $69,331,670 | 3,947 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1729% | 2,975 |
| Cost of funding earning assets | 0.1627% | 5,203 |
| Net interest margin | 4.0102% | 1,695 |
| Noninterest income to average assets | 0.5956% | 2,279 |
| Noninterest expense to average assets | 3.1870% | 1,591 |
| Loan and lease loss provision to assets | 0.0936% | 1,950 |
| Net operating income to assets | 1.0041% | 2,840 |
| Return on assets (ROA) | 1.0041% | 2,858 |
| Pretax return on assets | 1.0041% | 3,517 |
| Return on Equity (ROE) | 10.6034% | 2,128 |
| Retained earnings to average equity (ytd only) | 10.6034% | 991 |
| Net charge-offs to loans | 0.1045% | 1,157 |
| Credit loss provision to net charge-offs | 166.6667% | 1,159 |
| Earnings coverage of net charge-offs (x) | 19.5556% | 1,500 |
| Efficiency ratio | 74.3814% | 1,845 |
| Assets per employee ($millions) | 3.2198% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 3,122 |
| Loan loss allowance to noncurrent loans | 95.5260% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 2,289 |
| Noncurrent loans to loans | 1.1979% | 1,521 |
| Net loans and leases to total assets | 52.9909% | 4,371 |
| Net loans and leases to deposits | 58.9554% | 4,540 |
| Net loans and leases to core deposits | 60.7405% | 4,619 |
| Total domestic deposits to total assets | 89.8829% | 705 |
| Equity capital to assets | 9.3445% | 4,233 |
| Core capital (leverage) ratio | 10.6033% | 2,849 |
| Tier 1 risk-based capital ratio | 16.3266% | 2,346 |
| Total risk-based capital ratio | 17.2844% | 2,396 |
| Memoranda: | ||
| Average total assets | $128,273,000 | 3,770 |
| Average earning assets | $117,998,500 | 3,781 |
| Average equity | $12,147,000 | 4,093 |
| Average total loans | $68,882,500 | 3,990 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 2,780 |
| Cost of funding earning assets | 0.1524% | 5,250 |
| Net interest margin | 4.0235% | 1,677 |
| Noninterest income to average assets | 0.7252% | 1,864 |
| Noninterest expense to average assets | 3.2372% | 1,537 |
| Loan and lease loss provision to assets | 0.1623% | 1,378 |
| Net operating income to assets | 1.0450% | 2,074 |
| Return on assets (ROA) | 1.0902% | 1,915 |
| Pretax return on assets | 1.0902% | 3,228 |
| Return on Equity (ROE) | 11.3854% | 1,364 |
| Retained earnings to average equity (ytd only) | 5.5976% | 1,775 |
| Net charge-offs to loans | 0.3761% | 673 |
| Credit loss provision to net charge-offs | 81.3492% | 2,924 |
| Earnings coverage of net charge-offs (x) | 6.0516% | 3,234 |
| Efficiency ratio | 72.8358% | 2,091 |
| Assets per employee ($millions) | 3.0418% | 5,168 |
| Cash dividends to net income (ytd only)* | 50.8351% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 3,175 |
| Loan loss allowance to noncurrent loans | 105.8503% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.6246% | 2,454 |
| Noncurrent loans to loans | 1.0694% | 1,666 |
| Net loans and leases to total assets | 53.1874% | 4,426 |
| Net loans and leases to deposits | 59.2659% | 4,616 |
| Net loans and leases to core deposits | 60.5876% | 4,729 |
| Total domestic deposits to total assets | 89.7436% | 656 |
| Equity capital to assets | 9.5958% | 4,146 |
| Core capital (leverage) ratio | 10.2218% | 3,164 |
| Tier 1 risk-based capital ratio | 16.2859% | 2,337 |
| Total risk-based capital ratio | 17.2498% | 2,373 |
| Memoranda: | ||
| Average total assets | $126,312,200 | 3,802 |
| Average earning assets | $116,762,800 | 3,808 |
| Average equity | $12,094,400 | 4,121 |
| Average total loans | $67,000,400 | 4,030 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1457% | 2,813 |
| Cost of funding earning assets | 0.1442% | 5,348 |
| Net interest margin | 4.0015% | 1,698 |
| Noninterest income to average assets | 0.7527% | 1,773 |
| Noninterest expense to average assets | 3.2255% | 1,506 |
| Loan and lease loss provision to assets | 0.1694% | 1,192 |
| Net operating income to assets | 1.0586% | 2,289 |
| Return on assets (ROA) | 1.1189% | 2,063 |
| Pretax return on assets | 1.1189% | 3,235 |
| Return on Equity (ROE) | 11.6923% | 1,425 |
| Retained earnings to average equity (ytd only) | 3.9491% | 3,570 |
| Net charge-offs to loans | 0.2824% | 766 |
| Credit loss provision to net charge-offs | 113.4752% | 2,095 |
| Earnings coverage of net charge-offs (x) | 8.2268% | 2,808 |
| Efficiency ratio | 72.4269% | 2,150 |
| Assets per employee ($millions) | 3.0444% | 5,226 |
| Cash dividends to net income (ytd only)* | 66.2251% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,739 |
| Loan loss allowance to noncurrent loans | 112.3835% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 2,621 |
| Noncurrent loans to loans | 1.0948% | 1,760 |
| Net loans and leases to total assets | 52.9891% | 4,494 |
| Net loans and leases to deposits | 59.1144% | 4,680 |
| Net loans and leases to core deposits | 59.2442% | 4,855 |
| Total domestic deposits to total assets | 89.6382% | 603 |
| Equity capital to assets | 9.7408% | 4,209 |
| Core capital (leverage) ratio | 10.3549% | 3,134 |
| Tier 1 risk-based capital ratio | 16.0041% | 2,501 |
| Total risk-based capital ratio | 17.0572% | 2,522 |
| Memoranda: | ||
| Average total assets | $125,951,750 | 3,849 |
| Average earning assets | $116,488,250 | 3,850 |
| Average equity | $12,053,250 | 4,166 |
| Average total loans | $66,568,750 | 4,071 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 2,656 |
| Cost of funding earning assets | 0.1467% | 5,359 |
| Net interest margin | 4.0063% | 1,584 |
| Noninterest income to average assets | 0.5171% | 2,915 |
| Noninterest expense to average assets | 3.0803% | 1,887 |
| Loan and lease loss provision to assets | 0.0798% | 2,390 |
| Net operating income to assets | 1.0629% | 2,153 |
| Return on assets (ROA) | 1.1603% | 1,779 |
| Pretax return on assets | 1.1603% | 2,932 |
| Return on Equity (ROE) | 12.1987% | 1,237 |
| Retained earnings to average equity (ytd only) | 6.3259% | 1,949 |
| Net charge-offs to loans | 0.1153% | 1,482 |
| Credit loss provision to net charge-offs | 131.5789% | 1,668 |
| Earnings coverage of net charge-offs (x) | 18.8421% | 1,858 |
| Efficiency ratio | 72.9403% | 2,197 |
| Assets per employee ($millions) | 2.9716% | 5,298 |
| Cash dividends to net income (ytd only)* | 48.1431% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 2,639 |
| Loan loss allowance to noncurrent loans | 112.1984% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 2,638 |
| Noncurrent loans to loans | 1.1208% | 1,750 |
| Net loans and leases to total assets | 52.6573% | 4,510 |
| Net loans and leases to deposits | 59.0667% | 4,697 |
| Net loans and leases to core deposits | 59.9969% | 4,824 |
| Total domestic deposits to total assets | 89.1488% | 886 |
| Equity capital to assets | 10.0291% | 3,880 |
| Core capital (leverage) ratio | 10.2076% | 3,263 |
| Tier 1 risk-based capital ratio | 16.2449% | 2,411 |
| Total risk-based capital ratio | 17.3034% | 2,420 |
| Memoranda: | ||
| Average total assets | $125,314,330 | 3,874 |
| Average earning assets | $115,918,000 | 3,882 |
| Average equity | $11,919,330 | 4,204 |
| Average total loans | $65,892,330 | 4,106 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 2,693 |
| Cost of funding earning assets | 0.1481% | 5,390 |
| Net interest margin | 3.9404% | 1,642 |
| Noninterest income to average assets | 0.6148% | 2,349 |
| Noninterest expense to average assets | 3.1091% | 1,843 |
| Loan and lease loss provision to assets | 0.0956% | 1,953 |
| Net operating income to assets | 1.0544% | 2,056 |
| Return on assets (ROA) | 1.1245% | 1,810 |
| Pretax return on assets | 1.1245% | 2,888 |
| Return on Equity (ROE) | 12.1509% | 1,191 |
| Retained earnings to average equity (ytd only) | 0.1033% | 4,888 |
| Net charge-offs to loans | 0.1342% | 1,124 |
| Credit loss provision to net charge-offs | 136.3636% | 1,275 |
| Earnings coverage of net charge-offs (x) | 16.4091% | 1,644 |
| Efficiency ratio | 72.9993% | 2,406 |
| Assets per employee ($millions) | 2.9395% | 5,403 |
| Cash dividends to net income (ytd only)* | 99.1501% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 2,741 |
| Loan loss allowance to noncurrent loans | 110.0396% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.8347% | 2,212 |
| Noncurrent loans to loans | 1.1477% | 1,777 |
| Net loans and leases to total assets | 51.5257% | 4,555 |
| Net loans and leases to deposits | 57.2701% | 4,746 |
| Net loans and leases to core deposits | 58.1782% | 4,872 |
| Total domestic deposits to total assets | 89.9697% | 672 |
| Equity capital to assets | 9.3001% | 4,511 |
| Core capital (leverage) ratio | 9.8932% | 3,632 |
| Tier 1 risk-based capital ratio | 15.7907% | 2,626 |
| Total risk-based capital ratio | 16.8454% | 2,651 |
| Memoranda: | ||
| Average total assets | $125,568,000 | 3,910 |
| Average earning assets | $116,130,000 | 3,915 |
| Average equity | $11,620,500 | 4,279 |
| Average total loans | $65,560,000 | 4,141 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9692% | 3,315 |
| Cost of funding earning assets | 0.1536% | 5,402 |
| Net interest margin | 3.8157% | 2,258 |
| Noninterest income to average assets | 0.5807% | 2,755 |
| Noninterest expense to average assets | 3.0526% | 2,171 |
| Loan and lease loss provision to assets | 0.0951% | 2,464 |
| Net operating income to assets | 0.9174% | 2,736 |
| Return on assets (ROA) | 1.0331% | 2,313 |
| Pretax return on assets | 1.0331% | 3,351 |
| Return on Equity (ROE) | 11.1333% | 1,532 |
| Retained earnings to average equity (ytd only) | 8.5720% | 674 |
| Net charge-offs to loans | 0.2102% | 1,321 |
| Credit loss provision to net charge-offs | 93.7500% | 2,730 |
| Earnings coverage of net charge-offs (x) | 9.9844% | 2,700 |
| Efficiency ratio | 75.0926% | 2,128 |
| Assets per employee ($millions) | 2.9009% | 5,422 |
| Cash dividends to net income (ytd only)* | 23.0061% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,726 |
| Loan loss allowance to noncurrent loans | 117.6890% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.8153% | 2,311 |
| Noncurrent loans to loans | 1.0758% | 1,934 |
| Net loans and leases to total assets | 51.5757% | 4,646 |
| Net loans and leases to deposits | 57.2116% | 4,845 |
| Net loans and leases to core deposits | 58.8136% | 4,919 |
| Total domestic deposits to total assets | 90.1490% | 583 |
| Equity capital to assets | 9.2080% | 4,573 |
| Core capital (leverage) ratio | 9.8431% | 3,696 |
| Tier 1 risk-based capital ratio | 15.6328% | 2,693 |
| Total risk-based capital ratio | 16.6671% | 2,720 |
| Memoranda: | ||
| Average total assets | $126,221,600 | 3,892 |
| Average earning assets | $115,261,800 | 3,907 |
| Average equity | $11,712,600 | 4,294 |
| Average total loans | $60,892,800 | 4,267 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 3,629 |
| Cost of funding earning assets | 0.1541% | 5,458 |
| Net interest margin | 3.7337% | 2,580 |
| Noninterest income to average assets | 0.5730% | 2,794 |
| Noninterest expense to average assets | 2.9954% | 2,330 |
| Loan and lease loss provision to assets | 0.0948% | 2,330 |
| Net operating income to assets | 0.8773% | 3,022 |
| Return on assets (ROA) | 1.0311% | 2,414 |
| Pretax return on assets | 1.0311% | 3,513 |
| Return on Equity (ROE) | 11.0908% | 1,638 |
| Retained earnings to average equity (ytd only) | 7.6922% | 1,320 |
| Net charge-offs to loans | 0.2541% | 923 |
| Credit loss provision to net charge-offs | 78.9474% | 2,678 |
| Earnings coverage of net charge-offs (x) | 8.0963% | 2,813 |
| Efficiency ratio | 75.4977% | 2,036 |
| Assets per employee ($millions) | 3.0424% | 5,352 |
| Cash dividends to net income (ytd only)* | 30.6435% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 2,759 |
| Loan loss allowance to noncurrent loans | 114.1044% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.7709% | 2,620 |
| Noncurrent loans to loans | 1.1277% | 1,998 |
| Net loans and leases to total assets | 48.5706% | 4,916 |
| Net loans and leases to deposits | 54.3239% | 5,093 |
| Net loans and leases to core deposits | 55.8335% | 5,155 |
| Total domestic deposits to total assets | 89.4092% | 720 |
| Equity capital to assets | 9.9874% | 4,138 |
| Core capital (leverage) ratio | 9.6758% | 3,966 |
| Tier 1 risk-based capital ratio | 15.8087% | 2,701 |
| Total risk-based capital ratio | 16.8617% | 2,719 |
| Memoranda: | ||
| Average total assets | $126,592,250 | 3,913 |
| Average earning assets | $115,094,000 | 3,935 |
| Average equity | $11,769,250 | 4,324 |
| Average total loans | $59,826,000 | 4,331 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 3,820 |
| Cost of funding earning assets | 0.1553% | 5,510 |
| Net interest margin | 3.6818% | 2,772 |
| Noninterest income to average assets | 0.5642% | 2,829 |
| Noninterest expense to average assets | 3.0001% | 2,346 |
| Loan and lease loss provision to assets | 0.0951% | 2,254 |
| Net operating income to assets | 0.8130% | 3,249 |
| Return on assets (ROA) | 0.9683% | 2,676 |
| Pretax return on assets | 0.9683% | 3,710 |
| Return on Equity (ROE) | 10.6834% | 1,772 |
| Retained earnings to average equity (ytd only) | 5.4379% | 2,459 |
| Net charge-offs to loans | 0.1054% | 1,771 |
| Credit loss provision to net charge-offs | 193.5484% | 1,330 |
| Earnings coverage of net charge-offs (x) | 18.4839% | 1,820 |
| Efficiency ratio | 76.7640% | 1,969 |
| Assets per employee ($millions) | 3.0472% | 5,370 |
| Cash dividends to net income (ytd only)* | 49.0998% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 2,155 |
| Loan loss allowance to noncurrent loans | 105.6373% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.8941% | 2,371 |
| Noncurrent loans to loans | 1.3546% | 1,658 |
| Net loans and leases to total assets | 47.5240% | 5,033 |
| Net loans and leases to deposits | 53.2874% | 5,175 |
| Net loans and leases to core deposits | 54.8195% | 5,235 |
| Total domestic deposits to total assets | 89.1841% | 823 |
| Equity capital to assets | 10.0323% | 4,187 |
| Core capital (leverage) ratio | 9.3494% | 4,395 |
| Tier 1 risk-based capital ratio | 15.4811% | 2,869 |
| Total risk-based capital ratio | 16.6143% | 2,853 |
| Memoranda: | ||
| Average total assets | $126,196,000 | 3,940 |
| Average earning assets | $114,617,330 | 3,968 |
| Average equity | $11,438,330 | 4,411 |
| Average total loans | $58,810,330 | 4,385 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 4,114 |
| Cost of funding earning assets | 0.1535% | 5,584 |
| Net interest margin | 3.6033% | 3,070 |
| Noninterest income to average assets | 0.5898% | 2,592 |
| Noninterest expense to average assets | 3.0026% | 2,383 |
| Loan and lease loss provision to assets | 0.0946% | 2,115 |
| Net operating income to assets | 0.7506% | 3,480 |
| Return on assets (ROA) | 0.9241% | 2,735 |
| Pretax return on assets | 0.9241% | 3,750 |
| Return on Equity (ROE) | 10.7617% | 1,691 |
| Retained earnings to average equity (ytd only) | 10.7617% | 698 |
| Net charge-offs to loans | 0.2479% | 833 |
| Credit loss provision to net charge-offs | 83.3333% | 1,813 |
| Earnings coverage of net charge-offs (x) | 7.4444% | 2,150 |
| Efficiency ratio | 78.0328% | 1,893 |
| Assets per employee ($millions) | 3.0848% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 2,353 |
| Loan loss allowance to noncurrent loans | 95.4965% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.9512% | 2,326 |
| Noncurrent loans to loans | 1.4828% | 1,592 |
| Net loans and leases to total assets | 45.5229% | 5,152 |
| Net loans and leases to deposits | 50.3388% | 5,324 |
| Net loans and leases to core deposits | 51.7593% | 5,361 |
| Total domestic deposits to total assets | 90.4330% | 448 |
| Equity capital to assets | 8.8751% | 5,282 |
| Core capital (leverage) ratio | 8.7688% | 5,101 |
| Tier 1 risk-based capital ratio | 15.0079% | 3,153 |
| Total risk-based capital ratio | 16.1277% | 3,151 |
| Memoranda: | ||
| Average total assets | $126,825,500 | 3,964 |
| Average earning assets | $114,672,500 | 3,996 |
| Average equity | $10,890,500 | 4,530 |
| Average total loans | $58,097,000 | 4,438 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0330% | 3,179 |
| Cost of funding earning assets | 0.1639% | 5,579 |
| Net interest margin | 3.8691% | 2,136 |
| Noninterest income to average assets | 0.7882% | 1,832 |
| Noninterest expense to average assets | 3.1217% | 2,173 |
| Loan and lease loss provision to assets | 0.2488% | 764 |
| Net operating income to assets | 0.9424% | 2,651 |
| Return on assets (ROA) | 1.0042% | 2,433 |
| Pretax return on assets | 1.0042% | 3,460 |
| Return on Equity (ROE) | 11.9341% | 1,316 |
| Retained earnings to average equity (ytd only) | 5.2563% | 2,237 |
| Net charge-offs to loans | 0.3033% | 994 |
| Credit loss provision to net charge-offs | 175.1412% | 1,546 |
| Earnings coverage of net charge-offs (x) | 8.3842% | 2,957 |
| Efficiency ratio | 72.3804% | 2,843 |
| Assets per employee ($millions) | 3.1794% | 5,313 |
| Cash dividends to net income (ytd only)* | 55.9552% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 2,247 |
| Loan loss allowance to noncurrent loans | 93.9121% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.9609% | 2,272 |
| Noncurrent loans to loans | 1.5348% | 1,509 |
| Net loans and leases to total assets | 44.7875% | 5,239 |
| Net loans and leases to deposits | 49.1623% | 5,430 |
| Net loans and leases to core deposits | 50.3643% | 5,483 |
| Total domestic deposits to total assets | 91.1012% | 258 |
| Equity capital to assets | 8.3004% | 5,702 |
| Core capital (leverage) ratio | 8.5614% | 5,366 |
| Tier 1 risk-based capital ratio | 14.7382% | 3,310 |
| Total risk-based capital ratio | 15.8760% | 3,292 |
| Memoranda: | ||
| Average total assets | $124,580,600 | 3,997 |
| Average earning assets | $113,489,000 | 4,010 |
| Average equity | $10,482,600 | 4,571 |
| Average total loans | $58,357,800 | 4,418 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0412% | 3,166 |
| Cost of funding earning assets | 0.1645% | 5,672 |
| Net interest margin | 3.8767% | 2,108 |
| Noninterest income to average assets | 0.5949% | 2,770 |
| Noninterest expense to average assets | 3.1715% | 2,044 |
| Loan and lease loss provision to assets | 0.2044% | 972 |
| Net operating income to assets | 0.7692% | 3,585 |
| Return on assets (ROA) | 0.8424% | 3,292 |
| Pretax return on assets | 0.8424% | 4,198 |
| Return on Equity (ROE) | 9.9765% | 2,115 |
| Retained earnings to average equity (ytd only) | 8.7024% | 1,000 |
| Net charge-offs to loans | 0.1573% | 1,565 |
| Credit loss provision to net charge-offs | 275.3623% | 1,051 |
| Earnings coverage of net charge-offs (x) | 13.1157% | 2,353 |
| Efficiency ratio | 76.5118% | 2,156 |
| Assets per employee ($millions) | 3.1424% | 5,374 |
| Cash dividends to net income (ytd only)* | 12.7714% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 2,664 |
| Loan loss allowance to noncurrent loans | 66.5316% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 1.0541% | 2,246 |
| Noncurrent loans to loans | 2.0857% | 1,094 |
| Net loans and leases to total assets | 46.4163% | 5,202 |
| Net loans and leases to deposits | 51.1422% | 5,410 |
| Net loans and leases to core deposits | 52.7080% | 5,472 |
| Total domestic deposits to total assets | 90.7594% | 322 |
| Equity capital to assets | 8.6551% | 5,607 |
| Core capital (leverage) ratio | 8.7541% | 5,296 |
| Tier 1 risk-based capital ratio | 15.1063% | 3,243 |
| Total risk-based capital ratio | 16.2418% | 3,237 |
| Memoranda: | ||
| Average total assets | $123,932,250 | 4,045 |
| Average earning assets | $113,496,000 | 4,055 |
| Average equity | $10,464,250 | 4,626 |
| Average total loans | $58,499,500 | 4,458 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 2,774 |
| Cost of funding earning assets | 0.1641% | 5,745 |
| Net interest margin | 3.9720% | 1,727 |
| Noninterest income to average assets | 0.5837% | 2,832 |
| Noninterest expense to average assets | 3.1667% | 2,075 |
| Loan and lease loss provision to assets | 0.2594% | 652 |
| Net operating income to assets | 0.8075% | 3,342 |
| Return on assets (ROA) | 0.8464% | 3,249 |
| Pretax return on assets | 0.8464% | 4,137 |
| Return on Equity (ROE) | 10.1104% | 2,023 |
| Retained earnings to average equity (ytd only) | 8.1735% | 1,198 |
| Net charge-offs to loans | 0.1888% | 1,326 |
| Credit loss provision to net charge-offs | 290.9091% | 946 |
| Earnings coverage of net charge-offs (x) | 11.9636% | 2,250 |
| Efficiency ratio | 74.7989% | 2,565 |
| Assets per employee ($millions) | 2.8595% | 5,757 |
| Cash dividends to net income (ytd only)* | 19.1571% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 2,896 |
| Loan loss allowance to noncurrent loans | 109.6730% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 3,387 |
| Noncurrent loans to loans | 1.2483% | 2,162 |
| Net loans and leases to total assets | 47.1653% | 5,169 |
| Net loans and leases to deposits | 51.9055% | 5,387 |
| Net loans and leases to core deposits | 53.5415% | 5,449 |
| Total domestic deposits to total assets | 90.8677% | 331 |
| Equity capital to assets | 8.3882% | 5,769 |
| Core capital (leverage) ratio | 8.5516% | 5,487 |
| Tier 1 risk-based capital ratio | 15.3544% | 3,178 |
| Total risk-based capital ratio | 16.5138% | 3,155 |
| Memoranda: | ||
| Average total assets | $123,344,670 | 4,085 |
| Average earning assets | $113,344,330 | 4,088 |
| Average equity | $10,326,000 | 4,684 |
| Average total loans | $58,278,000 | 4,504 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 2,361 |
| Cost of funding earning assets | 0.1627% | 5,826 |
| Net interest margin | 4.0641% | 1,378 |
| Noninterest income to average assets | 0.5569% | 2,913 |
| Noninterest expense to average assets | 3.1796% | 2,032 |
| Loan and lease loss provision to assets | 0.4209% | 264 |
| Net operating income to assets | 0.6767% | 3,913 |
| Return on assets (ROA) | 0.6864% | 3,994 |
| Pretax return on assets | 0.6864% | 4,630 |
| Return on Equity (ROE) | 8.2075% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.2075% | 1,491 |
| Net charge-offs to loans | 0.1379% | 1,422 |
| Credit loss provision to net charge-offs | 650.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 16.9500% | 1,545 |
| Efficiency ratio | 74.3376% | 2,762 |
| Assets per employee ($millions) | 2.8543% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 2,968 |
| Loan loss allowance to noncurrent loans | 109.6076% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 3,500 |
| Noncurrent loans to loans | 1.2667% | 2,258 |
| Net loans and leases to total assets | 45.8085% | 5,213 |
| Net loans and leases to deposits | 50.3862% | 5,434 |
| Net loans and leases to core deposits | 51.9510% | 5,493 |
| Total domestic deposits to total assets | 90.9147% | 399 |
| Equity capital to assets | 8.4252% | 5,789 |
| Core capital (leverage) ratio | 8.4399% | 5,584 |
| Tier 1 risk-based capital ratio | 15.0259% | 3,418 |
| Total risk-based capital ratio | 16.1903% | 3,395 |
| Memoranda: | ||
| Average total assets | $123,537,500 | 4,114 |
| Average earning assets | $113,089,000 | 4,116 |
| Average equity | $10,332,000 | 4,716 |
| Average total loans | $58,017,500 | 4,542 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 3,947 |
| Cost of funding earning assets | 0.1768% | 5,929 |
| Net interest margin | 3.7677% | 2,743 |
| Noninterest income to average assets | 0.6047% | 2,829 |
| Noninterest expense to average assets | 3.0960% | 2,529 |
| Loan and lease loss provision to assets | 0.1253% | 2,090 |
| Net operating income to assets | 0.8176% | 3,291 |
| Return on assets (ROA) | 0.8469% | 3,232 |
| Pretax return on assets | 0.8469% | 4,090 |
| Return on Equity (ROE) | 10.4021% | 1,954 |
| Retained earnings to average equity (ytd only) | 4.7600% | 2,788 |
| Net charge-offs to loans | 0.4752% | 880 |
| Credit loss provision to net charge-offs | 57.6923% | 3,328 |
| Earnings coverage of net charge-offs (x) | 4.3423% | 3,681 |
| Efficiency ratio | 76.6543% | 2,419 |
| Assets per employee ($millions) | 2.7611% | 5,972 |
| Cash dividends to net income (ytd only)* | 54.2406% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 3,916 |
| Loan loss allowance to noncurrent loans | 66.2252% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 0.9326% | 2,883 |
| Noncurrent loans to loans | 1.8320% | 1,558 |
| Net loans and leases to total assets | 46.9145% | 5,256 |
| Net loans and leases to deposits | 51.4762% | 5,515 |
| Net loans and leases to core deposits | 53.2236% | 5,549 |
| Total domestic deposits to total assets | 91.1381% | 326 |
| Equity capital to assets | 8.2997% | 5,892 |
| Core capital (leverage) ratio | 8.3942% | 5,668 |
| Tier 1 risk-based capital ratio | 15.4484% | 3,245 |
| Total risk-based capital ratio | 16.5045% | 3,292 |
| Memoranda: | ||
| Average total assets | $119,735,600 | 4,186 |
| Average earning assets | $109,137,200 | 4,202 |
| Average equity | $9,748,000 | 4,802 |
| Average total loans | $54,716,000 | 4,662 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9153% | 4,115 |
| Cost of funding earning assets | 0.1767% | 6,018 |
| Net interest margin | 3.7385% | 2,861 |
| Noninterest income to average assets | 0.6069% | 2,824 |
| Noninterest expense to average assets | 3.0288% | 2,707 |
| Loan and lease loss provision to assets | 0.1341% | 1,865 |
| Net operating income to assets | 0.8483% | 3,187 |
| Return on assets (ROA) | 0.8863% | 3,082 |
| Pretax return on assets | 0.8863% | 4,049 |
| Return on Equity (ROE) | 10.9404% | 1,811 |
| Retained earnings to average equity (ytd only) | 5.4219% | 2,810 |
| Net charge-offs to loans | 0.2199% | 1,723 |
| Credit loss provision to net charge-offs | 134.8315% | 1,730 |
| Earnings coverage of net charge-offs (x) | 9.8767% | 2,611 |
| Efficiency ratio | 75.5085% | 2,575 |
| Assets per employee ($millions) | 2.7623% | 6,015 |
| Cash dividends to net income (ytd only)* | 50.4412% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 2,676 |
| Loan loss allowance to noncurrent loans | 80.6328% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 3,107 |
| Noncurrent loans to loans | 1.8688% | 1,711 |
| Net loans and leases to total assets | 45.2268% | 5,433 |
| Net loans and leases to deposits | 49.5627% | 5,677 |
| Net loans and leases to core deposits | 51.2493% | 5,729 |
| Total domestic deposits to total assets | 91.2517% | 292 |
| Equity capital to assets | 8.1930% | 6,022 |
| Core capital (leverage) ratio | 8.3700% | 5,787 |
| Tier 1 risk-based capital ratio | 15.7163% | 3,203 |
| Total risk-based capital ratio | 16.9668% | 3,143 |
| Memoranda: | ||
| Average total assets | $119,297,750 | 4,234 |
| Average earning assets | $108,631,250 | 4,252 |
| Average equity | $9,664,250 | 4,856 |
| Average total loans | $53,971,250 | 4,732 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 4,108 |
| Cost of funding earning assets | 0.1775% | 6,089 |
| Net interest margin | 3.7303% | 2,839 |
| Noninterest income to average assets | 0.5736% | 2,971 |
| Noninterest expense to average assets | 2.9321% | 3,058 |
| Loan and lease loss provision to assets | 0.1518% | 1,622 |
| Net operating income to assets | 0.8925% | 2,851 |
| Return on assets (ROA) | 0.9498% | 2,646 |
| Pretax return on assets | 0.9498% | 3,678 |
| Return on Equity (ROE) | 11.7704% | 1,490 |
| Retained earnings to average equity (ytd only) | 5.4985% | 2,636 |
| Net charge-offs to loans | 0.2586% | 1,518 |
| Credit loss provision to net charge-offs | 130.4348% | 1,604 |
| Earnings coverage of net charge-offs (x) | 8.9710% | 2,419 |
| Efficiency ratio | 73.7378% | 3,022 |
| Assets per employee ($millions) | 2.7221% | 6,111 |
| Cash dividends to net income (ytd only)* | 53.2860% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 2,826 |
| Loan loss allowance to noncurrent loans | 86.4724% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 3,364 |
| Noncurrent loans to loans | 1.7527% | 1,970 |
| Net loans and leases to total assets | 45.0844% | 5,455 |
| Net loans and leases to deposits | 49.5086% | 5,669 |
| Net loans and leases to core deposits | 51.2296% | 5,720 |
| Total domestic deposits to total assets | 91.0638% | 392 |
| Equity capital to assets | 8.2583% | 5,980 |
| Core capital (leverage) ratio | 8.3562% | 5,793 |
| Tier 1 risk-based capital ratio | 15.8589% | 3,166 |
| Total risk-based capital ratio | 17.1100% | 3,101 |
| Memoranda: | ||
| Average total assets | $118,549,330 | 4,274 |
| Average earning assets | $108,141,000 | 4,287 |
| Average equity | $9,566,330 | 4,898 |
| Average total loans | $53,358,000 | 4,772 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8702% | 4,212 |
| Cost of funding earning assets | 0.1788% | 6,178 |
| Net interest margin | 3.6914% | 2,895 |
| Noninterest income to average assets | 0.5732% | 2,896 |
| Noninterest expense to average assets | 3.0931% | 2,556 |
| Loan and lease loss provision to assets | 0.2035% | 1,142 |
| Net operating income to assets | 0.6376% | 4,007 |
| Return on assets (ROA) | 0.6580% | 3,996 |
| Pretax return on assets | 0.6580% | 4,638 |
| Return on Equity (ROE) | 8.2518% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.2518% | 1,509 |
| Net charge-offs to loans | 0.3877% | 942 |
| Credit loss provision to net charge-offs | 117.6471% | 1,477 |
| Earnings coverage of net charge-offs (x) | 4.8627% | 2,457 |
| Efficiency ratio | 78.6207% | 2,386 |
| Assets per employee ($millions) | 2.7790% | 6,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 2,931 |
| Loan loss allowance to noncurrent loans | 82.3116% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 0.9690% | 3,321 |
| Noncurrent loans to loans | 1.8827% | 2,021 |
| Net loans and leases to total assets | 43.5401% | 5,551 |
| Net loans and leases to deposits | 47.6539% | 5,753 |
| Net loans and leases to core deposits | 49.4356% | 5,798 |
| Total domestic deposits to total assets | 91.3673% | 429 |
| Equity capital to assets | 8.0227% | 6,042 |
| Core capital (leverage) ratio | 8.3380% | 5,810 |
| Tier 1 risk-based capital ratio | 16.1100% | 3,116 |
| Total risk-based capital ratio | 17.3607% | 3,074 |
| Memoranda: | ||
| Average total assets | $117,938,500 | 4,317 |
| Average earning assets | $107,384,000 | 4,334 |
| Average equity | $9,404,000 | 4,959 |
| Average total loans | $52,622,500 | 4,836 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 3,361 |
| Cost of funding earning assets | 0.2014% | 6,286 |
| Net interest margin | 3.9947% | 1,963 |
| Noninterest income to average assets | 0.5728% | 3,256 |
| Noninterest expense to average assets | 3.0331% | 2,954 |
| Loan and lease loss provision to assets | 0.2067% | 1,790 |
| Net operating income to assets | 0.9390% | 2,607 |
| Return on assets (ROA) | 0.9872% | 2,454 |
| Pretax return on assets | 0.9872% | 3,403 |
| Return on Equity (ROE) | 12.0538% | 1,402 |
| Retained earnings to average equity (ytd only) | 3.1134% | 4,020 |
| Net charge-offs to loans | 0.4405% | 1,512 |
| Credit loss provision to net charge-offs | 102.5641% | 2,359 |
| Earnings coverage of net charge-offs (x) | 5.6838% | 3,239 |
| Efficiency ratio | 72.5830% | 3,373 |
| Assets per employee ($millions) | 2.7065% | 6,212 |
| Cash dividends to net income (ytd only)* | 74.1710% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 2,974 |
| Loan loss allowance to noncurrent loans | 75.2089% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.0363% | 3,353 |
| Noncurrent loans to loans | 2.0555% | 1,927 |
| Net loans and leases to total assets | 44.3262% | 5,648 |
| Net loans and leases to deposits | 48.4235% | 5,872 |
| Net loans and leases to core deposits | 50.2876% | 5,916 |
| Total domestic deposits to total assets | 91.5388% | 392 |
| Equity capital to assets | 7.9233% | 6,073 |
| Core capital (leverage) ratio | 8.3150% | 5,857 |
| Tier 1 risk-based capital ratio | 16.1134% | 3,053 |
| Total risk-based capital ratio | 17.3644% | 3,002 |
| Memoranda: | ||
| Average total assets | $116,087,000 | 4,360 |
| Average earning assets | $104,788,800 | 4,389 |
| Average equity | $9,507,400 | 4,972 |
| Average total loans | $53,125,400 | 4,838 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 3,368 |
| Cost of funding earning assets | 0.2049% | 6,381 |
| Net interest margin | 4.0018% | 1,940 |
| Noninterest income to average assets | 0.5666% | 3,353 |
| Noninterest expense to average assets | 3.0881% | 2,697 |
| Loan and lease loss provision to assets | 0.2069% | 1,756 |
| Net operating income to assets | 0.8849% | 2,911 |
| Return on assets (ROA) | 0.9493% | 2,700 |
| Pretax return on assets | 0.9493% | 3,691 |
| Return on Equity (ROE) | 11.4971% | 1,657 |
| Retained earnings to average equity (ytd only) | 3.8416% | 3,950 |
| Net charge-offs to loans | 0.4502% | 1,426 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 5.2779% | 3,233 |
| Efficiency ratio | 73.8796% | 3,090 |
| Assets per employee ($millions) | 2.7159% | 6,262 |
| Cash dividends to net income (ytd only)* | 66.5862% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 3,429 |
| Loan loss allowance to noncurrent loans | 75.8491% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.0250% | 3,594 |
| Noncurrent loans to loans | 1.9855% | 2,262 |
| Net loans and leases to total assets | 45.0255% | 5,626 |
| Net loans and leases to deposits | 49.2821% | 5,883 |
| Net loans and leases to core deposits | 51.0559% | 5,945 |
| Total domestic deposits to total assets | 91.3628% | 401 |
| Equity capital to assets | 8.0301% | 6,135 |
| Core capital (leverage) ratio | 8.3763% | 5,881 |
| Tier 1 risk-based capital ratio | 15.9128% | 3,246 |
| Total risk-based capital ratio | 17.1639% | 3,191 |
| Memoranda: | ||
| Average total assets | $116,014,250 | 4,410 |
| Average earning assets | $104,750,500 | 4,435 |
| Average equity | $9,579,000 | 5,012 |
| Average total loans | $53,307,750 | 4,880 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2223% | 3,276 |
| Cost of funding earning assets | 0.2088% | 6,429 |
| Net interest margin | 4.0135% | 1,809 |
| Noninterest income to average assets | 0.5373% | 3,589 |
| Noninterest expense to average assets | 2.9355% | 3,219 |
| Loan and lease loss provision to assets | 0.2073% | 1,822 |
| Net operating income to assets | 1.0142% | 2,270 |
| Return on assets (ROA) | 1.0954% | 2,055 |
| Pretax return on assets | 1.0954% | 3,109 |
| Return on Equity (ROE) | 13.1453% | 1,212 |
| Retained earnings to average equity (ytd only) | 3.8151% | 3,871 |
| Net charge-offs to loans | 0.5968% | 1,109 |
| Credit loss provision to net charge-offs | 75.4717% | 2,713 |
| Earnings coverage of net charge-offs (x) | 4.4465% | 3,127 |
| Efficiency ratio | 70.6151% | 3,709 |
| Assets per employee ($millions) | 2.7259% | 6,260 |
| Cash dividends to net income (ytd only)* | 70.9779% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 3,902 |
| Loan loss allowance to noncurrent loans | 72.4432% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 3,588 |
| Noncurrent loans to loans | 1.9722% | 2,431 |
| Net loans and leases to total assets | 46.1000% | 5,519 |
| Net loans and leases to deposits | 50.4045% | 5,811 |
| Net loans and leases to core deposits | 52.2617% | 5,869 |
| Total domestic deposits to total assets | 91.4601% | 391 |
| Equity capital to assets | 7.9564% | 6,229 |
| Core capital (leverage) ratio | 8.4129% | 5,760 |
| Tier 1 risk-based capital ratio | 15.7846% | 3,322 |
| Total risk-based capital ratio | 17.0342% | 3,275 |
| Memoranda: | ||
| Average total assets | $115,757,330 | 4,448 |
| Average earning assets | $104,398,000 | 4,468 |
| Average equity | $9,646,000 | 5,020 |
| Average total loans | $53,281,330 | 4,904 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1383% | 3,566 |
| Cost of funding earning assets | 0.2138% | 6,515 |
| Net interest margin | 3.9245% | 2,033 |
| Noninterest income to average assets | 0.4433% | 4,153 |
| Noninterest expense to average assets | 3.0036% | 2,980 |
| Loan and lease loss provision to assets | 0.2062% | 1,803 |
| Net operating income to assets | 0.7664% | 3,349 |
| Return on assets (ROA) | 0.8110% | 3,233 |
| Pretax return on assets | 0.8110% | 4,131 |
| Return on Equity (ROE) | 9.5214% | 2,255 |
| Retained earnings to average equity (ytd only) | -8.6338% | 6,560 |
| Net charge-offs to loans | 0.3010% | 1,761 |
| Credit loss provision to net charge-offs | 150.0000% | 1,364 |
| Earnings coverage of net charge-offs (x) | 7.0750% | 2,119 |
| Efficiency ratio | 75.5402% | 3,005 |
| Assets per employee ($millions) | 2.7160% | 6,379 |
| Cash dividends to net income (ytd only)* | 190.6780% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 3,541 |
| Loan loss allowance to noncurrent loans | 62.5190% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.2845% | 3,404 |
| Noncurrent loans to loans | 2.5057% | 2,064 |
| Net loans and leases to total assets | 43.3265% | 5,727 |
| Net loans and leases to deposits | 47.4474% | 5,961 |
| Net loans and leases to core deposits | 49.1289% | 6,028 |
| Total domestic deposits to total assets | 91.3148% | 406 |
| Equity capital to assets | 8.1563% | 6,294 |
| Core capital (leverage) ratio | 8.1698% | 5,962 |
| Tier 1 risk-based capital ratio | 15.7055% | 3,418 |
| Total risk-based capital ratio | 16.9565% | 3,389 |
| Memoranda: | ||
| Average total assets | $116,393,000 | 4,473 |
| Average earning assets | $104,778,000 | 4,499 |
| Average equity | $9,914,500 | 5,005 |
| Average total loans | $53,150,500 | 4,943 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 3,254 |
| Cost of funding earning assets | 0.2901% | 6,504 |
| Net interest margin | 4.2465% | 1,527 |
| Noninterest income to average assets | 0.6611% | 2,931 |
| Noninterest expense to average assets | 3.3456% | 2,200 |
| Loan and lease loss provision to assets | 0.2150% | 2,984 |
| Net operating income to assets | 0.9423% | 2,589 |
| Return on assets (ROA) | 1.0436% | 2,353 |
| Pretax return on assets | 1.0436% | 3,381 |
| Return on Equity (ROE) | 11.9932% | 1,516 |
| Retained earnings to average equity (ytd only) | 8.9049% | 856 |
| Net charge-offs to loans | 0.4808% | 2,319 |
| Credit loss provision to net charge-offs | 92.3077% | 3,378 |
| Earnings coverage of net charge-offs (x) | 4.9692% | 3,190 |
| Efficiency ratio | 74.2988% | 3,023 |
| Assets per employee ($millions) | 2.6345% | 6,501 |
| Cash dividends to net income (ytd only)* | 25.7511% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 3,755 |
| Loan loss allowance to noncurrent loans | 57.6344% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.4945% | 3,144 |
| Noncurrent loans to loans | 2.5977% | 2,037 |
| Net loans and leases to total assets | 46.6941% | 5,549 |
| Net loans and leases to deposits | 51.5369% | 5,841 |
| Net loans and leases to core deposits | 53.5422% | 5,911 |
| Total domestic deposits to total assets | 90.6033% | 662 |
| Equity capital to assets | 8.8998% | 5,634 |
| Core capital (leverage) ratio | 8.4319% | 5,717 |
| Tier 1 risk-based capital ratio | 16.0536% | 3,132 |
| Total risk-based capital ratio | 17.3052% | 3,083 |
| Memoranda: | ||
| Average total assets | $111,637,800 | 4,554 |
| Average earning assets | $101,001,400 | 4,574 |
| Average equity | $9,713,800 | 5,046 |
| Average total loans | $54,078,800 | 4,936 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 3,436 |
| Cost of funding earning assets | 0.3082% | 6,571 |
| Net interest margin | 4.2392% | 1,623 |
| Noninterest income to average assets | 0.6665% | 2,896 |
| Noninterest expense to average assets | 3.3852% | 2,039 |
| Loan and lease loss provision to assets | 0.2158% | 2,904 |
| Net operating income to assets | 0.9242% | 2,858 |
| Return on assets (ROA) | 1.0597% | 2,465 |
| Pretax return on assets | 1.0597% | 3,505 |
| Return on Equity (ROE) | 12.2497% | 1,548 |
| Retained earnings to average equity (ytd only) | 8.0926% | 1,581 |
| Net charge-offs to loans | 0.5292% | 2,025 |
| Credit loss provision to net charge-offs | 83.7209% | 3,507 |
| Earnings coverage of net charge-offs (x) | 4.4233% | 3,307 |
| Efficiency ratio | 74.8079% | 2,857 |
| Assets per employee ($millions) | 2.6616% | 6,538 |
| Cash dividends to net income (ytd only)* | 33.9366% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 4,130 |
| Loan loss allowance to noncurrent loans | 56.6810% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.4814% | 3,376 |
| Noncurrent loans to loans | 2.5697% | 2,224 |
| Net loans and leases to total assets | 47.7520% | 5,581 |
| Net loans and leases to deposits | 52.6929% | 5,919 |
| Net loans and leases to core deposits | 54.9200% | 5,975 |
| Total domestic deposits to total assets | 90.6232% | 549 |
| Equity capital to assets | 8.8768% | 5,948 |
| Core capital (leverage) ratio | 8.1957% | 6,151 |
| Tier 1 risk-based capital ratio | 15.6333% | 3,462 |
| Total risk-based capital ratio | 16.8842% | 3,421 |
| Memoranda: | ||
| Average total assets | $111,226,250 | 4,611 |
| Average earning assets | $101,242,750 | 4,615 |
| Average equity | $9,621,750 | 5,124 |
| Average total loans | $54,173,250 | 4,988 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 3,572 |
| Cost of funding earning assets | 0.3264% | 6,617 |
| Net interest margin | 4.2213% | 1,694 |
| Noninterest income to average assets | 0.6700% | 2,832 |
| Noninterest expense to average assets | 3.3556% | 2,139 |
| Loan and lease loss provision to assets | 0.2161% | 2,909 |
| Net operating income to assets | 0.9420% | 2,700 |
| Return on assets (ROA) | 0.9420% | 2,961 |
| Pretax return on assets | 0.9420% | 3,912 |
| Return on Equity (ROE) | 10.9859% | 1,998 |
| Retained earnings to average equity (ytd only) | 10.9859% | 750 |
| Net charge-offs to loans | 0.3950% | 2,440 |
| Credit loss provision to net charge-offs | 112.1495% | 2,433 |
| Earnings coverage of net charge-offs (x) | 6.0093% | 2,716 |
| Efficiency ratio | 74.3416% | 3,020 |
| Assets per employee ($millions) | 2.6566% | 6,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 3,844 |
| Loan loss allowance to noncurrent loans | 57.9640% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.5398% | 3,392 |
| Noncurrent loans to loans | 2.6498% | 2,271 |
| Net loans and leases to total assets | 48.0910% | 5,603 |
| Net loans and leases to deposits | 53.0181% | 5,953 |
| Net loans and leases to core deposits | 55.2640% | 6,002 |
| Total domestic deposits to total assets | 90.7068% | 560 |
| Equity capital to assets | 8.8254% | 5,884 |
| Core capital (leverage) ratio | 8.2329% | 6,011 |
| Tier 1 risk-based capital ratio | 15.3334% | 3,552 |
| Total risk-based capital ratio | 16.5853% | 3,511 |
| Memoranda: | ||
| Average total assets | $111,039,670 | 4,640 |
| Average earning assets | $101,106,670 | 4,641 |
| Average equity | $9,521,330 | 5,152 |
| Average total loans | $54,174,670 | 5,024 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 3,643 |
| Cost of funding earning assets | 0.3554% | 6,616 |
| Net interest margin | 4.2136% | 1,724 |
| Noninterest income to average assets | 0.6572% | 2,886 |
| Noninterest expense to average assets | 3.2860% | 2,331 |
| Loan and lease loss provision to assets | 0.2167% | 2,770 |
| Net operating income to assets | 1.0075% | 2,454 |
| Return on assets (ROA) | 1.0075% | 2,642 |
| Pretax return on assets | 1.0075% | 3,653 |
| Return on Equity (ROE) | 11.9250% | 1,693 |
| Retained earnings to average equity (ytd only) | 11.9250% | 832 |
| Net charge-offs to loans | 0.3036% | 2,445 |
| Credit loss provision to net charge-offs | 146.3415% | 1,699 |
| Earnings coverage of net charge-offs (x) | 8.2683% | 1,977 |
| Efficiency ratio | 72.8583% | 3,279 |
| Assets per employee ($millions) | 2.6707% | 6,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 3,847 |
| Loan loss allowance to noncurrent loans | 52.0692% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 1.6404% | 3,393 |
| Noncurrent loans to loans | 3.0158% | 2,143 |
| Net loans and leases to total assets | 47.1084% | 5,670 |
| Net loans and leases to deposits | 51.7668% | 5,993 |
| Net loans and leases to core deposits | 53.9436% | 6,062 |
| Total domestic deposits to total assets | 91.0011% | 556 |
| Equity capital to assets | 8.4747% | 6,105 |
| Core capital (leverage) ratio | 8.0574% | 6,203 |
| Tier 1 risk-based capital ratio | 15.0619% | 3,717 |
| Total risk-based capital ratio | 16.3135% | 3,677 |
| Memoranda: | ||
| Average total assets | $110,771,500 | 4,690 |
| Average earning assets | $101,291,500 | 4,666 |
| Average equity | $9,358,500 | 5,201 |
| Average total loans | $54,014,500 | 5,073 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7827% | 3,888 |
| Cost of funding earning assets | 0.5272% | 6,427 |
| Net interest margin | 4.2555% | 1,855 |
| Noninterest income to average assets | 0.6155% | 3,083 |
| Noninterest expense to average assets | 3.2703% | 2,619 |
| Loan and lease loss provision to assets | 0.2259% | 3,946 |
| Net operating income to assets | 0.9938% | 2,220 |
| Return on assets (ROA) | 1.0032% | 2,329 |
| Pretax return on assets | 1.0032% | 3,237 |
| Return on Equity (ROE) | 11.9106% | 1,427 |
| Retained earnings to average equity (ytd only) | 4.6480% | 2,885 |
| Net charge-offs to loans | 0.3903% | 3,465 |
| Credit loss provision to net charge-offs | 113.7441% | 2,882 |
| Earnings coverage of net charge-offs (x) | 6.1422% | 2,583 |
| Efficiency ratio | 72.8359% | 3,422 |
| Assets per employee ($millions) | 2.6041% | 6,713 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 3,951 |
| Loan loss allowance to noncurrent loans | 52.0202% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 1.6503% | 3,477 |
| Noncurrent loans to loans | 2.9147% | 2,240 |
| Net loans and leases to total assets | 48.9339% | 5,721 |
| Net loans and leases to deposits | 53.7225% | 6,096 |
| Net loans and leases to core deposits | 56.4859% | 6,123 |
| Total domestic deposits to total assets | 91.0865% | 476 |
| Equity capital to assets | 8.4216% | 6,233 |
| Core capital (leverage) ratio | 7.8803% | 6,375 |
| Tier 1 risk-based capital ratio | 14.6731% | 3,854 |
| Total risk-based capital ratio | 15.9251% | 3,832 |
| Memoranda: | ||
| Average total assets | $106,258,000 | 4,723 |
| Average earning assets | $96,745,000 | 4,722 |
| Average equity | $8,950,000 | 5,293 |
| Average total loans | $54,062,200 | 5,112 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9266% | 3,444 |
| Cost of funding earning assets | 0.5591% | 6,480 |
| Net interest margin | 4.3674% | 1,505 |
| Noninterest income to average assets | 0.5954% | 3,199 |
| Noninterest expense to average assets | 3.2284% | 2,731 |
| Loan and lease loss provision to assets | 0.2275% | 3,739 |
| Net operating income to assets | 1.1086% | 1,935 |
| Return on assets (ROA) | 1.1086% | 2,077 |
| Pretax return on assets | 1.1086% | 2,971 |
| Return on Equity (ROE) | 13.1608% | 1,235 |
| Retained earnings to average equity (ytd only) | 6.4078% | 2,289 |
| Net charge-offs to loans | 0.3136% | 3,531 |
| Credit loss provision to net charge-offs | 141.7323% | 2,245 |
| Earnings coverage of net charge-offs (x) | 8.3228% | 2,199 |
| Efficiency ratio | 70.7283% | 3,802 |
| Assets per employee ($millions) | 2.6394% | 6,734 |
| Cash dividends to net income (ytd only)* | 51.3119% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 3,782 |
| Loan loss allowance to noncurrent loans | 52.9669% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 1.6837% | 3,560 |
| Noncurrent loans to loans | 2.9714% | 2,337 |
| Net loans and leases to total assets | 49.0062% | 5,832 |
| Net loans and leases to deposits | 53.9211% | 6,217 |
| Net loans and leases to core deposits | 56.9207% | 6,228 |
| Total domestic deposits to total assets | 90.8850% | 476 |
| Equity capital to assets | 8.6271% | 6,169 |
| Core capital (leverage) ratio | 8.0102% | 6,387 |
| Tier 1 risk-based capital ratio | 14.5275% | 3,953 |
| Total risk-based capital ratio | 15.7790% | 3,934 |
| Memoranda: | ||
| Average total assets | $105,479,000 | 4,774 |
| Average earning assets | $95,858,500 | 4,782 |
| Average equity | $8,884,750 | 5,343 |
| Average total loans | $53,991,500 | 5,160 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9170% | 3,545 |
| Cost of funding earning assets | 0.5842% | 6,528 |
| Net interest margin | 4.3329% | 1,556 |
| Noninterest income to average assets | 0.5547% | 3,437 |
| Noninterest expense to average assets | 3.2056% | 2,877 |
| Loan and lease loss provision to assets | 0.2295% | 3,617 |
| Net operating income to assets | 1.0634% | 1,988 |
| Return on assets (ROA) | 1.0634% | 2,082 |
| Pretax return on assets | 1.0634% | 2,996 |
| Return on Equity (ROE) | 12.7314% | 1,265 |
| Retained earnings to average equity (ytd only) | 9.2966% | 1,012 |
| Net charge-offs to loans | 0.3072% | 3,341 |
| Credit loss provision to net charge-offs | 144.5783% | 2,118 |
| Earnings coverage of net charge-offs (x) | 8.1446% | 2,108 |
| Efficiency ratio | 71.2585% | 3,889 |
| Assets per employee ($millions) | 2.5915% | 6,803 |
| Cash dividends to net income (ytd only)* | 26.9784% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 3,967 |
| Loan loss allowance to noncurrent loans | 48.6550% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 1.8372% | 3,458 |
| Noncurrent loans to loans | 3.1528% | 2,281 |
| Net loans and leases to total assets | 50.2631% | 5,791 |
| Net loans and leases to deposits | 55.3282% | 6,196 |
| Net loans and leases to core deposits | 58.4690% | 6,237 |
| Total domestic deposits to total assets | 90.8453% | 564 |
| Equity capital to assets | 8.6249% | 6,032 |
| Core capital (leverage) ratio | 8.0894% | 6,182 |
| Tier 1 risk-based capital ratio | 14.6197% | 3,714 |
| Total risk-based capital ratio | 15.8718% | 3,678 |
| Memoranda: | ||
| Average total assets | $104,566,330 | 4,842 |
| Average earning assets | $95,179,330 | 4,840 |
| Average equity | $8,734,330 | 5,399 |
| Average total loans | $54,028,330 | 5,208 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8537% | 3,803 |
| Cost of funding earning assets | 0.6083% | 6,583 |
| Net interest margin | 4.2454% | 1,767 |
| Noninterest income to average assets | 0.4743% | 4,090 |
| Noninterest expense to average assets | 3.1352% | 3,123 |
| Loan and lease loss provision to assets | 0.2314% | 3,336 |
| Net operating income to assets | 0.9564% | 2,328 |
| Return on assets (ROA) | 0.9564% | 2,392 |
| Pretax return on assets | 0.9564% | 3,295 |
| Return on Equity (ROE) | 11.6439% | 1,563 |
| Retained earnings to average equity (ytd only) | 11.6439% | 791 |
| Net charge-offs to loans | 0.2300% | 3,161 |
| Credit loss provision to net charge-offs | 193.5484% | 1,530 |
| Earnings coverage of net charge-offs (x) | 9.9355% | 1,677 |
| Efficiency ratio | 72.5245% | 3,765 |
| Assets per employee ($millions) | 2.7162% | 6,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 4,046 |
| Loan loss allowance to noncurrent loans | 59.0258% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 1.5255% | 3,962 |
| Noncurrent loans to loans | 2.5931% | 2,903 |
| Net loans and leases to total assets | 50.0439% | 5,844 |
| Net loans and leases to deposits | 54.7831% | 6,233 |
| Net loans and leases to core deposits | 57.8866% | 6,267 |
| Total domestic deposits to total assets | 91.3491% | 465 |
| Equity capital to assets | 8.1732% | 6,313 |
| Core capital (leverage) ratio | 8.1467% | 6,061 |
| Tier 1 risk-based capital ratio | 14.4302% | 3,787 |
| Total risk-based capital ratio | 15.6826% | 3,741 |
| Memoranda: | ||
| Average total assets | $103,724,000 | 4,898 |
| Average earning assets | $94,031,000 | 4,912 |
| Average equity | $8,519,500 | 5,454 |
| Average total loans | $53,924,000 | 5,258 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2425% | 3,400 |
| Cost of funding earning assets | 0.8737% | 6,280 |
| Net interest margin | 4.3687% | 1,589 |
| Noninterest income to average assets | 0.5684% | 3,686 |
| Noninterest expense to average assets | 3.1929% | 3,119 |
| Loan and lease loss provision to assets | 0.2436% | 4,854 |
| Net operating income to assets | 1.0849% | 1,741 |
| Return on assets (ROA) | 1.0880% | 1,820 |
| Pretax return on assets | 1.0880% | 2,623 |
| Return on Equity (ROE) | 13.2244% | 1,037 |
| Retained earnings to average equity (ytd only) | 7.6731% | 1,094 |
| Net charge-offs to loans | 0.4569% | 3,791 |
| Credit loss provision to net charge-offs | 97.9592% | 4,725 |
| Earnings coverage of net charge-offs (x) | 5.3429% | 2,652 |
| Efficiency ratio | 70.6173% | 4,052 |
| Assets per employee ($millions) | 2.6030% | 6,853 |
| Cash dividends to net income (ytd only)* | 41.9776% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 4,174 |
| Loan loss allowance to noncurrent loans | 72.9358% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.3663% | 4,296 |
| Noncurrent loans to loans | 2.0181% | 3,539 |
| Net loans and leases to total assets | 52.4218% | 5,859 |
| Net loans and leases to deposits | 57.4239% | 6,314 |
| Net loans and leases to core deposits | 60.4080% | 6,364 |
| Total domestic deposits to total assets | 91.2891% | 466 |
| Equity capital to assets | 8.2558% | 6,196 |
| Core capital (leverage) ratio | 8.2226% | 5,797 |
| Tier 1 risk-based capital ratio | 14.1785% | 3,747 |
| Total risk-based capital ratio | 15.4306% | 3,707 |
| Memoranda: | ||
| Average total assets | $98,530,400 | 5,033 |
| Average earning assets | $89,156,600 | 5,046 |
| Average equity | $8,106,200 | 5,682 |
| Average total loans | $53,620,200 | 5,334 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2595% | 3,535 |
| Cost of funding earning assets | 0.9338% | 6,259 |
| Net interest margin | 4.3257% | 1,754 |
| Noninterest income to average assets | 0.5304% | 3,937 |
| Noninterest expense to average assets | 3.2056% | 2,909 |
| Loan and lease loss provision to assets | 0.2454% | 4,636 |
| Net operating income to assets | 0.9954% | 2,245 |
| Return on assets (ROA) | 0.9995% | 2,355 |
| Pretax return on assets | 0.9995% | 3,187 |
| Return on Equity (ROE) | 12.1594% | 1,457 |
| Retained earnings to average equity (ytd only) | 7.1828% | 1,763 |
| Net charge-offs to loans | 0.5256% | 3,193 |
| Credit loss provision to net charge-offs | 85.3081% | 4,949 |
| Earnings coverage of net charge-offs (x) | 4.3127% | 3,104 |
| Efficiency ratio | 72.0944% | 3,677 |
| Assets per employee ($millions) | 2.5198% | 7,064 |
| Cash dividends to net income (ytd only)* | 40.9276% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 4,386 |
| Loan loss allowance to noncurrent loans | 79.8546% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.2831% | 4,578 |
| Noncurrent loans to loans | 1.7685% | 3,994 |
| Net loans and leases to total assets | 54.6258% | 5,755 |
| Net loans and leases to deposits | 60.1315% | 6,302 |
| Net loans and leases to core deposits | 63.1602% | 6,358 |
| Total domestic deposits to total assets | 90.8440% | 503 |
| Equity capital to assets | 8.6269% | 6,126 |
| Core capital (leverage) ratio | 8.1692% | 6,084 |
| Tier 1 risk-based capital ratio | 13.8631% | 3,944 |
| Total risk-based capital ratio | 15.1146% | 3,912 |
| Memoranda: | ||
| Average total assets | $97,783,750 | 5,116 |
| Average earning assets | $88,523,000 | 5,130 |
| Average equity | $8,037,500 | 5,778 |
| Average total loans | $53,522,250 | 5,412 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2440% | 3,742 |
| Cost of funding earning assets | 0.9903% | 6,193 |
| Net interest margin | 4.2537% | 1,948 |
| Noninterest income to average assets | 0.4630% | 4,415 |
| Noninterest expense to average assets | 3.1530% | 3,078 |
| Loan and lease loss provision to assets | 0.2459% | 4,470 |
| Net operating income to assets | 0.9096% | 2,519 |
| Return on assets (ROA) | 0.9096% | 2,628 |
| Pretax return on assets | 0.9096% | 3,455 |
| Return on Equity (ROE) | 11.2538% | 1,665 |
| Retained earnings to average equity (ytd only) | 11.2538% | 603 |
| Net charge-offs to loans | 0.7104% | 2,441 |
| Credit loss provision to net charge-offs | 63.4921% | 5,125 |
| Earnings coverage of net charge-offs (x) | 2.9841% | 3,507 |
| Efficiency ratio | 73.1812% | 3,628 |
| Assets per employee ($millions) | 2.4259% | 7,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 4,664 |
| Loan loss allowance to noncurrent loans | 66.9414% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.3480% | 4,464 |
| Noncurrent loans to loans | 2.0220% | 3,690 |
| Net loans and leases to total assets | 54.9034% | 5,857 |
| Net loans and leases to deposits | 60.4484% | 6,374 |
| Net loans and leases to core deposits | 63.2299% | 6,464 |
| Total domestic deposits to total assets | 90.8269% | 558 |
| Equity capital to assets | 8.6001% | 6,012 |
| Core capital (leverage) ratio | 8.2003% | 5,939 |
| Tier 1 risk-based capital ratio | 14.0115% | 3,726 |
| Total risk-based capital ratio | 15.2622% | 3,689 |
| Memoranda: | ||
| Average total assets | $97,620,330 | 5,148 |
| Average earning assets | $88,252,670 | 5,161 |
| Average equity | $7,890,670 | 5,841 |
| Average total loans | $53,212,330 | 5,458 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1704% | 4,194 |
| Cost of funding earning assets | 1.0449% | 6,152 |
| Net interest margin | 4.1255% | 2,336 |
| Noninterest income to average assets | 0.5760% | 3,448 |
| Noninterest expense to average assets | 3.0598% | 3,438 |
| Loan and lease loss provision to assets | 0.2451% | 4,087 |
| Net operating income to assets | 0.9968% | 2,199 |
| Return on assets (ROA) | 0.9968% | 2,268 |
| Pretax return on assets | 0.9968% | 3,106 |
| Return on Equity (ROE) | 12.7357% | 1,316 |
| Retained earnings to average equity (ytd only) | 12.7357% | 658 |
| Net charge-offs to loans | 0.8104% | 1,913 |
| Credit loss provision to net charge-offs | 56.0748% | 4,382 |
| Earnings coverage of net charge-offs (x) | 2.8411% | 3,129 |
| Efficiency ratio | 71.1301% | 4,095 |
| Assets per employee ($millions) | 2.4536% | 7,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 4,246 |
| Loan loss allowance to noncurrent loans | 75.7545% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.2308% | 4,713 |
| Noncurrent loans to loans | 1.8919% | 3,932 |
| Net loans and leases to total assets | 52.7668% | 6,188 |
| Net loans and leases to deposits | 57.6864% | 6,639 |
| Net loans and leases to core deposits | 60.1794% | 6,730 |
| Total domestic deposits to total assets | 91.4718% | 384 |
| Equity capital to assets | 7.9749% | 6,682 |
| Core capital (leverage) ratio | 7.9396% | 6,326 |
| Tier 1 risk-based capital ratio | 13.8471% | 3,768 |
| Total risk-based capital ratio | 15.0990% | 3,726 |
| Memoranda: | ||
| Average total assets | $97,913,500 | 5,211 |
| Average earning assets | $88,426,000 | 5,217 |
| Average equity | $7,663,500 | 5,954 |
| Average total loans | $52,815,500 | 5,545 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2620% | 1,093 |
| Cost of funding earning assets | 1.2617% | 6,432 |
| Net interest margin | 5.0003% | 451 |
| Noninterest income to average assets | 0.0378% | 7,560 |
| Noninterest expense to average assets | 3.3195% | 2,952 |
| Loan and lease loss provision to assets | 0.4451% | 4,159 |
| Net operating income to assets | 0.7011% | 2,929 |
| Return on assets (ROA) | 1.2830% | 1,120 |
| Pretax return on assets | 1.2830% | 1,744 |
| Return on Equity (ROE) | 14.7741% | 696 |
| Retained earnings to average equity (ytd only) | 5.8046% | 1,426 |
| Net charge-offs to loans | 0.4940% | 3,793 |
| Credit loss provision to net charge-offs | 155.0388% | 2,938 |
| Earnings coverage of net charge-offs (x) | 3.9922% | 3,113 |
| Efficiency ratio | 74.3334% | 3,827 |
| Assets per employee ($millions) | 2.3825% | 7,378 |
| Cash dividends to net income (ytd only)* | 60.7112% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 3,684 |
| Loan loss allowance to noncurrent loans | 69.3842% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.4005% | 4,317 |
| Noncurrent loans to loans | 2.1718% | 3,417 |
| Net loans and leases to total assets | 53.5308% | 6,246 |
| Net loans and leases to deposits | 58.3190% | 6,765 |
| Net loans and leases to core deposits | 69.8700% | 6,780 |
| Total domestic deposits to total assets | 91.7897% | 308 |
| Equity capital to assets | 7.6780% | 6,881 |
| Core capital (leverage) ratio | 8.0042% | 6,185 |
| Tier 1 risk-based capital ratio | 13.3670% | 3,904 |
| Total risk-based capital ratio | 14.6197% | 3,844 |
| Memoranda: | ||
| Average total assets | $89,864,200 | 5,398 |
| Average earning assets | $79,574,800 | 5,471 |
| Average equity | $7,804,200 | 5,997 |
| Average total loans | $52,231,400 | 5,579 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3852% | 951 |
| Cost of funding earning assets | 1.3122% | 6,521 |
| Net interest margin | 5.0731% | 391 |
| Noninterest income to average assets | 0.6355% | 3,457 |
| Noninterest expense to average assets | 3.2760% | 3,006 |
| Loan and lease loss provision to assets | 0.4550% | 3,638 |
| Net operating income to assets | 1.3726% | 1,079 |
| Return on assets (ROA) | 1.3726% | 1,137 |
| Pretax return on assets | 1.3726% | 1,762 |
| Return on Equity (ROE) | 15.3122% | 731 |
| Retained earnings to average equity (ytd only) | 10.2364% | 591 |
| Net charge-offs to loans | 0.5255% | 3,108 |
| Credit loss provision to net charge-offs | 146.3415% | 3,321 |
| Earnings coverage of net charge-offs (x) | 5.8780% | 2,714 |
| Efficiency ratio | 64.1902% | 5,710 |
| Assets per employee ($millions) | 2.2374% | 7,574 |
| Cash dividends to net income (ytd only)* | 33.1491% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 3,905 |
| Loan loss allowance to noncurrent loans | 79.9363% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.2623% | 4,543 |
| Noncurrent loans to loans | 1.7594% | 3,978 |
| Net loans and leases to total assets | 57.5451% | 5,962 |
| Net loans and leases to deposits | 63.6066% | 6,533 |
| Net loans and leases to core deposits | 75.7614% | 6,631 |
| Total domestic deposits to total assets | 90.4704% | 599 |
| Equity capital to assets | 8.9944% | 5,485 |
| Core capital (leverage) ratio | 8.6197% | 5,279 |
| Tier 1 risk-based capital ratio | 13.9285% | 3,589 |
| Total risk-based capital ratio | 15.1795% | 3,536 |
| Memoranda: | ||
| Average total assets | $87,909,750 | 5,481 |
| Average earning assets | $77,426,750 | 5,578 |
| Average equity | $7,880,250 | 6,025 |
| Average total loans | $52,016,750 | 5,635 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3949% | 1,019 |
| Cost of funding earning assets | 1.3666% | 6,598 |
| Net interest margin | 5.0283% | 404 |
| Noninterest income to average assets | 0.6233% | 3,513 |
| Noninterest expense to average assets | 3.3566% | 2,762 |
| Loan and lease loss provision to assets | 0.5541% | 2,803 |
| Net operating income to assets | 1.1635% | 1,576 |
| Return on assets (ROA) | 1.1635% | 1,655 |
| Pretax return on assets | 1.1635% | 2,415 |
| Return on Equity (ROE) | 12.9953% | 1,181 |
| Retained earnings to average equity (ytd only) | 5.2600% | 2,364 |
| Net charge-offs to loans | 0.6329% | 2,454 |
| Credit loss provision to net charge-offs | 147.2393% | 3,138 |
| Earnings coverage of net charge-offs (x) | 4.5644% | 3,064 |
| Efficiency ratio | 66.1510% | 5,526 |
| Assets per employee ($millions) | 2.1661% | 7,710 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 3,548 |
| Loan loss allowance to noncurrent loans | 100.5472% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 4,831 |
| Noncurrent loans to loans | 1.4272% | 4,357 |
| Net loans and leases to total assets | 56.8437% | 6,109 |
| Net loans and leases to deposits | 62.7364% | 6,687 |
| Net loans and leases to core deposits | 73.5790% | 6,814 |
| Total domestic deposits to total assets | 90.6071% | 592 |
| Equity capital to assets | 8.7736% | 5,638 |
| Core capital (leverage) ratio | 8.2847% | 5,832 |
| Tier 1 risk-based capital ratio | 13.7681% | 3,641 |
| Total risk-based capital ratio | 15.0197% | 3,577 |
| Memoranda: | ||
| Average total assets | $86,634,670 | 5,566 |
| Average earning assets | $76,685,670 | 5,646 |
| Average equity | $7,756,670 | 6,106 |
| Average total loans | $51,508,330 | 5,696 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4112% | 1,043 |
| Cost of funding earning assets | 1.4230% | 6,651 |
| Net interest margin | 4.9882% | 412 |
| Noninterest income to average assets | 0.5517% | 3,905 |
| Noninterest expense to average assets | 3.2778% | 2,723 |
| Loan and lease loss provision to assets | 0.5611% | 2,235 |
| Net operating income to assets | 1.1549% | 1,788 |
| Return on assets (ROA) | 1.1549% | 1,908 |
| Pretax return on assets | 1.1549% | 2,787 |
| Return on Equity (ROE) | 12.7665% | 1,444 |
| Retained earnings to average equity (ytd only) | 12.7665% | 672 |
| Net charge-offs to loans | 0.7821% | 1,648 |
| Credit loss provision to net charge-offs | 118.8119% | 3,300 |
| Earnings coverage of net charge-offs (x) | 3.6337% | 3,112 |
| Efficiency ratio | 65.6367% | 5,398 |
| Assets per employee ($millions) | 1.9044% | 7,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 3,997 |
| Loan loss allowance to noncurrent loans | 114.1653% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.9246% | 4,880 |
| Noncurrent loans to loans | 1.1517% | 4,686 |
| Net loans and leases to total assets | 58.0049% | 5,938 |
| Net loans and leases to deposits | 64.0935% | 6,556 |
| Net loans and leases to core deposits | 75.3157% | 6,725 |
| Total domestic deposits to total assets | 90.5003% | 590 |
| Equity capital to assets | 8.9552% | 5,410 |
| Core capital (leverage) ratio | 8.5949% | 5,354 |
| Tier 1 risk-based capital ratio | 13.8142% | 3,689 |
| Total risk-based capital ratio | 15.0644% | 3,610 |
| Memoranda: | ||
| Average total assets | $85,546,000 | 5,626 |
| Average earning assets | $76,179,500 | 5,688 |
| Average equity | $7,739,000 | 6,143 |
| Average total loans | $51,653,000 | 5,730 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9048% | 1,379 |
| Cost of funding earning assets | 1.9653% | 6,522 |
| Net interest margin | 4.9395% | 581 |
| Noninterest income to average assets | 0.6626% | 3,388 |
| Noninterest expense to average assets | 3.4544% | 2,513 |
| Loan and lease loss provision to assets | 0.3695% | 3,464 |
| Net operating income to assets | 1.2870% | 1,518 |
| Return on assets (ROA) | 1.2870% | 1,472 |
| Pretax return on assets | 1.2870% | 2,353 |
| Return on Equity (ROE) | 14.1671% | 1,073 |
| Retained earnings to average equity (ytd only) | 5.7510% | 1,642 |
| Net charge-offs to loans | 0.5014% | 2,358 |
| Credit loss provision to net charge-offs | 111.5385% | 4,832 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 3,788 |
| Efficiency ratio | 67.5891% | 4,803 |
| Assets per employee ($millions) | 1.7764% | 8,054 |
| Cash dividends to net income (ytd only)* | 59.4059% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 3,989 |
| Loan loss allowance to noncurrent loans | 82.0449% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.1379% | 3,997 |
| Noncurrent loans to loans | 1.5478% | 3,472 |
| Net loans and leases to total assets | 61.2739% | 5,731 |
| Net loans and leases to deposits | 67.8673% | 6,476 |
| Net loans and leases to core deposits | 80.7096% | 6,561 |
| Total domestic deposits to total assets | 90.2849% | 554 |
| Equity capital to assets | 9.1425% | 5,164 |
| Core capital (leverage) ratio | 8.6349% | 5,313 |
| Tier 1 risk-based capital ratio | 13.5568% | 3,785 |
| Total risk-based capital ratio | 14.8072% | 3,687 |
| Memoranda: | ||
| Average total assets | $78,479,600 | 5,751 |
| Average earning assets | $70,675,600 | 5,793 |
| Average equity | $7,129,200 | 6,412 |
| Average total loans | $51,856,400 | 5,627 |