Home > The First State Bank of Healy > Performance and Condition Ratios
The First State Bank of Healy, 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 | 4.7701% | 2,538 |
| Cost of funding earning assets | 1.6932% | 1,466 |
| Net interest margin | 3.0769% | 3,144 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.6384% | 4,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3539% | 1,316 |
| Return on assets (ROA) | 1.3777% | 1,228 |
| Pretax return on assets | 1.4342% | 1,564 |
| Return on Equity (ROE) | 10.9400% | 2,242 |
| Retained earnings to average equity (ytd only) | 6.2084% | 2,171 |
| Net charge-offs to loans | -0.1427% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.7561% | 3,695 |
| Assets per employee ($millions) | 12.9820% | 328 |
| Cash dividends to net income (ytd only)* | 43.2374% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 514 |
| Loan loss allowance to noncurrent loans | 541.5842% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 2,249 |
| Noncurrent loans to loans | 0.3377% | 1,970 |
| Net loans and leases to total assets | 56.5400% | 3,154 |
| Net loans and leases to deposits | 69.2163% | 2,935 |
| Net loans and leases to core deposits | 88.7842% | 2,132 |
| Total domestic deposits to total assets | 81.6900% | 3,183 |
| Equity capital to assets | 13.2896% | 802 |
| Core capital (leverage) ratio | 16.2380% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $100,891,600 | 3,829 |
| Average earning assets | $93,666,600 | 3,802 |
| Average equity | $12,708,600 | 3,462 |
| Average total loans | $60,276,200 | 3,702 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6736% | 2,525 |
| Cost of funding earning assets | 1.4805% | 1,662 |
| Net interest margin | 3.1931% | 2,932 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.6069% | 4,235 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4941% | 1,137 |
| Return on assets (ROA) | 1.5030% | 1,106 |
| Pretax return on assets | 1.5629% | 1,429 |
| Return on Equity (ROE) | 12.1100% | 2,090 |
| Retained earnings to average equity (ytd only) | 7.2695% | 2,208 |
| Net charge-offs to loans | -0.1678% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.8425% | 3,847 |
| Assets per employee ($millions) | 12.8285% | 311 |
| Cash dividends to net income (ytd only)* | 39.9469% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 737 |
| Loan loss allowance to noncurrent loans | 511.3208% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 2,231 |
| Noncurrent loans to loans | 0.3282% | 2,055 |
| Net loans and leases to total assets | 61.8800% | 2,668 |
| Net loans and leases to deposits | 80.0994% | 2,040 |
| Net loans and leases to core deposits | 101.6436% | 1,235 |
| Total domestic deposits to total assets | 77.2600% | 3,899 |
| Equity capital to assets | 11.6031% | 1,150 |
| Core capital (leverage) ratio | 16.0715% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $100,150,500 | 3,845 |
| Average earning assets | $93,031,250 | 3,829 |
| Average equity | $12,435,250 | 3,483 |
| Average total loans | $60,391,500 | 3,711 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4744% | 2,716 |
| Cost of funding earning assets | 1.2209% | 1,924 |
| Net interest margin | 3.2535% | 2,858 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.5525% | 4,293 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6187% | 917 |
| Return on assets (ROA) | 1.6129% | 932 |
| Pretax return on assets | 1.6733% | 1,269 |
| Return on Equity (ROE) | 12.7000% | 1,969 |
| Retained earnings to average equity (ytd only) | 7.9454% | 1,980 |
| Net charge-offs to loans | -0.2102% | 4,594 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.0374% | 4,065 |
| Assets per employee ($millions) | 12.6120% | 327 |
| Cash dividends to net income (ytd only)* | 37.4532% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 722 |
| Loan loss allowance to noncurrent loans | 330.2469% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 1,635 |
| Noncurrent loans to loans | 0.5201% | 1,420 |
| Net loans and leases to total assets | 60.6800% | 2,707 |
| Net loans and leases to deposits | 80.8179% | 1,915 |
| Net loans and leases to core deposits | 93.1303% | 1,616 |
| Total domestic deposits to total assets | 75.0800% | 4,109 |
| Equity capital to assets | 12.6913% | 889 |
| Core capital (leverage) ratio | 16.5985% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $99,324,667 | 3,866 |
| Average earning assets | $92,393,000 | 3,846 |
| Average equity | $12,611,000 | 3,475 |
| Average total loans | $58,990,667 | 3,735 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3205% | 2,748 |
| Cost of funding earning assets | 0.8737% | 2,461 |
| Net interest margin | 3.4468% | 2,509 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.5750% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7593% | 733 |
| Return on assets (ROA) | 1.7983% | 664 |
| Pretax return on assets | 1.8795% | 938 |
| Return on Equity (ROE) | 14.1600% | 1,749 |
| Retained earnings to average equity (ytd only) | 9.3655% | 1,846 |
| Net charge-offs to loans | -0.3558% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.1356% | 4,210 |
| Assets per employee ($millions) | 12.0255% | 394 |
| Cash dividends to net income (ytd only)* | 33.8600% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8439% | 611 |
| Loan loss allowance to noncurrent loans | 241.2301% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 1,117 |
| Noncurrent loans to loans | 0.7644% | 1,006 |
| Net loans and leases to total assets | 58.6000% | 2,811 |
| Net loans and leases to deposits | 72.3378% | 2,441 |
| Net loans and leases to core deposits | 79.6460% | 2,278 |
| Total domestic deposits to total assets | 81.0100% | 3,636 |
| Equity capital to assets | 13.1627% | 726 |
| Core capital (leverage) ratio | 16.5723% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $98,539,000 | 3,919 |
| Average earning assets | $91,564,500 | 3,899 |
| Average equity | $12,514,000 | 3,521 |
| Average total loans | $57,340,000 | 3,802 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8102% | 2,251 |
| Cost of funding earning assets | 0.5960% | 916 |
| Net interest margin | 3.2142% | 2,830 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.7459% | 4,095 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3995% | 1,132 |
| Return on assets (ROA) | 1.3667% | 1,181 |
| Pretax return on assets | 1.4163% | 1,724 |
| Return on Equity (ROE) | 9.0600% | 3,119 |
| Retained earnings to average equity (ytd only) | 5.2049% | 2,960 |
| Net charge-offs to loans | -0.6336% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.6207% | 3,734 |
| Assets per employee ($millions) | 12.6093% | 332 |
| Cash dividends to net income (ytd only)* | 42.5806% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 711 |
| Loan loss allowance to noncurrent loans | 272.4324% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 1,396 |
| Noncurrent loans to loans | 0.6463% | 1,150 |
| Net loans and leases to total assets | 55.7500% | 3,056 |
| Net loans and leases to deposits | 67.7012% | 2,750 |
| Net loans and leases to core deposits | 74.0110% | 2,561 |
| Total domestic deposits to total assets | 82.3500% | 3,562 |
| Equity capital to assets | 12.2579% | 861 |
| Core capital (leverage) ratio | 17.4585% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $90,726,600 | 4,004 |
| Average earning assets | $83,723,200 | 3,998 |
| Average equity | $13,679,400 | 3,508 |
| Average total loans | $50,034,600 | 3,888 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6572% | 2,176 |
| Cost of funding earning assets | 0.5625% | 540 |
| Net interest margin | 3.0947% | 2,951 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.7220% | 4,118 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3203% | 1,290 |
| Return on assets (ROA) | 1.3335% | 1,234 |
| Pretax return on assets | 1.3788% | 1,783 |
| Return on Equity (ROE) | 8.3900% | 3,201 |
| Retained earnings to average equity (ytd only) | 4.5877% | 3,249 |
| Net charge-offs to loans | -0.2654% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.7786% | 3,641 |
| Assets per employee ($millions) | 10.7193% | 540 |
| Cash dividends to net income (ytd only)* | 45.3515% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6573% | 950 |
| Loan loss allowance to noncurrent loans | 200.2545% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 1,179 |
| Noncurrent loans to loans | 0.8276% | 955 |
| Net loans and leases to total assets | 54.4600% | 3,052 |
| Net loans and leases to deposits | 69.5795% | 2,402 |
| Net loans and leases to core deposits | 77.7630% | 2,056 |
| Total domestic deposits to total assets | 78.2700% | 4,237 |
| Equity capital to assets | 13.5842% | 608 |
| Core capital (leverage) ratio | 18.4358% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $88,189,750 | 4,064 |
| Average earning assets | $81,298,500 | 4,055 |
| Average equity | $14,008,000 | 3,509 |
| Average total loans | $48,231,750 | 3,941 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5725% | 1,923 |
| Cost of funding earning assets | 0.5250% | 450 |
| Net interest margin | 3.0475% | 2,729 |
| Noninterest income to average assets | 0.2292% | 3,815 |
| Noninterest expense to average assets | 1.6269% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3681% | 982 |
| Return on assets (ROA) | 1.3550% | 994 |
| Pretax return on assets | 1.3932% | 1,458 |
| Return on Equity (ROE) | 8.1518% | 2,978 |
| Retained earnings to average equity (ytd only) | 4.4747% | 2,898 |
| Net charge-offs to loans | -0.3424% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6296% | 3,999 |
| Assets per employee ($millions) | 11.0040% | 493 |
| Cash dividends to net income (ytd only)* | 45.1078% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 1,136 |
| Loan loss allowance to noncurrent loans | 196.4467% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 1,265 |
| Noncurrent loans to loans | 0.8177% | 1,053 |
| Net loans and leases to total assets | 53.8566% | 2,974 |
| Net loans and leases to deposits | 67.8230% | 2,402 |
| Net loans and leases to core deposits | 75.6832% | 2,046 |
| Total domestic deposits to total assets | 79.4075% | 4,274 |
| Equity capital to assets | 13.9756% | 518 |
| Core capital (leverage) ratio | 17.9921% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,001,667 | 4,093 |
| Average earning assets | $81,902,667 | 4,100 |
| Average equity | $14,794,333 | 3,515 |
| Average total loans | $48,480,333 | 3,983 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4487% | 1,952 |
| Cost of funding earning assets | 0.5086% | 472 |
| Net interest margin | 2.9401% | 2,708 |
| Noninterest income to average assets | 0.2280% | 3,788 |
| Noninterest expense to average assets | 1.6360% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2823% | 1,040 |
| Return on assets (ROA) | 1.2561% | 1,091 |
| Pretax return on assets | 1.2784% | 1,571 |
| Return on Equity (ROE) | 7.0075% | 3,038 |
| Retained earnings to average equity (ytd only) | 3.5411% | 3,105 |
| Net charge-offs to loans | -0.1152% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6231% | 3,913 |
| Assets per employee ($millions) | 10.9086% | 527 |
| Cash dividends to net income (ytd only)* | 49.4662% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,531 |
| Loan loss allowance to noncurrent loans | 165.4930% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 1,234 |
| Noncurrent loans to loans | 0.9114% | 1,010 |
| Net loans and leases to total assets | 52.7507% | 2,913 |
| Net loans and leases to deposits | 64.6623% | 2,467 |
| Net loans and leases to core deposits | 70.9825% | 2,212 |
| Total domestic deposits to total assets | 81.5788% | 4,137 |
| Equity capital to assets | 16.7700% | 280 |
| Core capital (leverage) ratio | 17.5930% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,486,500 | 4,109 |
| Average earning assets | $82,582,500 | 4,104 |
| Average equity | $16,040,000 | 3,473 |
| Average total loans | $48,628,000 | 3,992 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8667% | 1,708 |
| Cost of funding earning assets | 0.5268% | 802 |
| Net interest margin | 3.3400% | 2,211 |
| Noninterest income to average assets | 0.2076% | 4,124 |
| Noninterest expense to average assets | 1.8172% | 4,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3924% | 1,304 |
| Return on assets (ROA) | 1.4782% | 1,117 |
| Pretax return on assets | 1.5603% | 1,541 |
| Return on Equity (ROE) | 6.9445% | 3,530 |
| Retained earnings to average equity (ytd only) | 3.6376% | 3,362 |
| Net charge-offs to loans | -0.0388% | 4,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2819% | 3,788 |
| Assets per employee ($millions) | 10.1893% | 632 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 2,059 |
| Loan loss allowance to noncurrent loans | 128.4387% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 1,127 |
| Noncurrent loans to loans | 1.0650% | 915 |
| Net loans and leases to total assets | 54.3324% | 2,810 |
| Net loans and leases to deposits | 71.6175% | 1,951 |
| Net loans and leases to core deposits | 79.5507% | 1,637 |
| Total domestic deposits to total assets | 75.8647% | 4,516 |
| Equity capital to assets | 19.0232% | 215 |
| Core capital (leverage) ratio | 18.7846% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,240,000 | 4,151 |
| Average earning assets | $78,593,200 | 4,146 |
| Average equity | $18,143,800 | 3,369 |
| Average total loans | $43,765,600 | 4,113 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 1,435 |
| Cost of funding earning assets | 0.5349% | 895 |
| Net interest margin | 3.5113% | 1,834 |
| Noninterest income to average assets | 0.2089% | 4,152 |
| Noninterest expense to average assets | 1.8973% | 3,950 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4531% | 1,387 |
| Return on assets (ROA) | 1.5561% | 1,178 |
| Pretax return on assets | 1.6438% | 1,572 |
| Return on Equity (ROE) | 7.1038% | 3,644 |
| Retained earnings to average equity (ytd only) | 3.8285% | 3,630 |
| Net charge-offs to loans | -0.1299% | 4,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2717% | 3,623 |
| Assets per employee ($millions) | 9.4082% | 794 |
| Cash dividends to net income (ytd only)* | 46.1066% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6749% | 1,160 |
| Loan loss allowance to noncurrent loans | 124.1319% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.6803% | 1,106 |
| Noncurrent loans to loans | 1.3493% | 794 |
| Net loans and leases to total assets | 49.5701% | 3,462 |
| Net loans and leases to deposits | 68.1148% | 2,426 |
| Net loans and leases to core deposits | 74.6545% | 2,178 |
| Total domestic deposits to total assets | 72.7744% | 4,672 |
| Equity capital to assets | 21.9465% | 135 |
| Core capital (leverage) ratio | 20.6982% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,624,000 | 4,219 |
| Average earning assets | $76,778,250 | 4,225 |
| Average equity | $18,318,500 | 3,401 |
| Average total loans | $42,078,000 | 4,199 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1779% | 1,221 |
| Cost of funding earning assets | 0.5406% | 987 |
| Net interest margin | 3.6373% | 1,501 |
| Noninterest income to average assets | 0.1969% | 4,212 |
| Noninterest expense to average assets | 1.7773% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6525% | 950 |
| Return on assets (ROA) | 1.7677% | 808 |
| Pretax return on assets | 1.8709% | 1,073 |
| Return on Equity (ROE) | 8.0745% | 3,391 |
| Retained earnings to average equity (ytd only) | 4.7832% | 3,266 |
| Net charge-offs to loans | -0.1385% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4087% | 4,201 |
| Assets per employee ($millions) | 9.3984% | 741 |
| Cash dividends to net income (ytd only)* | 40.7609% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 1,229 |
| Loan loss allowance to noncurrent loans | 51.7673% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.6055% | 333 |
| Noncurrent loans to loans | 3.1287% | 226 |
| Net loans and leases to total assets | 50.4835% | 3,504 |
| Net loans and leases to deposits | 69.1732% | 2,496 |
| Net loans and leases to core deposits | 74.9066% | 2,343 |
| Total domestic deposits to total assets | 72.9813% | 4,687 |
| Equity capital to assets | 21.8358% | 132 |
| Core capital (leverage) ratio | 20.8701% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,274,000 | 4,246 |
| Average earning assets | $76,210,000 | 4,257 |
| Average equity | $18,230,333 | 3,408 |
| Average total loans | $41,874,667 | 4,235 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 2,434 |
| Cost of funding earning assets | 0.5496% | 1,105 |
| Net interest margin | 3.1213% | 2,926 |
| Noninterest income to average assets | 0.2566% | 3,861 |
| Noninterest expense to average assets | 1.7865% | 4,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2053% | 2,120 |
| Return on assets (ROA) | 1.3944% | 1,662 |
| Pretax return on assets | 1.5057% | 1,975 |
| Return on Equity (ROE) | 6.3610% | 3,760 |
| Retained earnings to average equity (ytd only) | 3.0480% | 3,767 |
| Net charge-offs to loans | -0.1654% | 4,754 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8370% | 3,324 |
| Assets per employee ($millions) | 9.1341% | 793 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 1,120 |
| Loan loss allowance to noncurrent loans | 55.4575% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.5643% | 386 |
| Noncurrent loans to loans | 3.0084% | 260 |
| Net loans and leases to total assets | 49.5420% | 3,674 |
| Net loans and leases to deposits | 66.0724% | 2,912 |
| Net loans and leases to core deposits | 71.5362% | 2,741 |
| Total domestic deposits to total assets | 74.9814% | 4,630 |
| Equity capital to assets | 21.7220% | 130 |
| Core capital (leverage) ratio | 20.4123% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,618,000 | 4,274 |
| Average earning assets | $74,969,000 | 4,290 |
| Average equity | $18,110,500 | 3,412 |
| Average total loans | $41,109,500 | 4,278 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 2,634 |
| Cost of funding earning assets | 0.6559% | 1,957 |
| Net interest margin | 3.3763% | 2,847 |
| Noninterest income to average assets | 0.2379% | 4,076 |
| Noninterest expense to average assets | 1.9882% | 4,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2851% | 1,291 |
| Return on assets (ROA) | 1.3317% | 1,264 |
| Pretax return on assets | 1.3828% | 1,711 |
| Return on Equity (ROE) | 6.0523% | 3,569 |
| Retained earnings to average equity (ytd only) | 3.5045% | 3,077 |
| Net charge-offs to loans | 0.2827% | 606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 8.9250% | 2,560 |
| Efficiency ratio | 59.8425% | 3,486 |
| Assets per employee ($millions) | 9.2254% | 686 |
| Cash dividends to net income (ytd only)* | 42.0954% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 1,157 |
| Loan loss allowance to noncurrent loans | 97.6812% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.8792% | 1,134 |
| Noncurrent loans to loans | 1.6911% | 761 |
| Net loans and leases to total assets | 48.3289% | 3,950 |
| Net loans and leases to deposits | 63.5353% | 3,474 |
| Net loans and leases to core deposits | 68.7471% | 3,352 |
| Total domestic deposits to total assets | 76.0662% | 4,503 |
| Equity capital to assets | 22.1176% | 134 |
| Core capital (leverage) ratio | 20.6358% | 162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,272,000 | 4,240 |
| Average earning assets | $73,334,000 | 4,247 |
| Average equity | $17,662,800 | 3,403 |
| Average total loans | $42,448,200 | 4,265 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 2,757 |
| Cost of funding earning assets | 0.6801% | 2,143 |
| Net interest margin | 3.3913% | 2,950 |
| Noninterest income to average assets | 0.2480% | 3,992 |
| Noninterest expense to average assets | 1.9686% | 4,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3468% | 1,241 |
| Return on assets (ROA) | 1.3956% | 1,211 |
| Pretax return on assets | 1.4458% | 1,588 |
| Return on Equity (ROE) | 6.3510% | 3,427 |
| Retained earnings to average equity (ytd only) | 4.0638% | 3,015 |
| Net charge-offs to loans | 0.1213% | 1,152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 21.3590% | 1,866 |
| Efficiency ratio | 58.5159% | 3,597 |
| Assets per employee ($millions) | 8.8967% | 715 |
| Cash dividends to net income (ytd only)* | 36.0144% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 828 |
| Loan loss allowance to noncurrent loans | 79.6414% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.2339% | 797 |
| Noncurrent loans to loans | 2.1823% | 540 |
| Net loans and leases to total assets | 53.3109% | 3,862 |
| Net loans and leases to deposits | 73.2870% | 3,016 |
| Net loans and leases to core deposits | 79.4380% | 2,893 |
| Total domestic deposits to total assets | 72.7426% | 4,656 |
| Equity capital to assets | 22.6727% | 131 |
| Core capital (leverage) ratio | 21.1566% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,582,750 | 4,254 |
| Average earning assets | $73,126,250 | 4,252 |
| Average equity | $17,487,500 | 3,421 |
| Average total loans | $42,860,000 | 4,281 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0805% | 3,099 |
| Cost of funding earning assets | 0.7098% | 2,332 |
| Net interest margin | 3.3707% | 3,188 |
| Noninterest income to average assets | 0.2543% | 3,948 |
| Noninterest expense to average assets | 1.9038% | 4,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4022% | 1,110 |
| Return on assets (ROA) | 1.3876% | 1,235 |
| Pretax return on assets | 1.4329% | 1,633 |
| Return on Equity (ROE) | 6.3827% | 3,369 |
| Retained earnings to average equity (ytd only) | 4.6451% | 2,643 |
| Net charge-offs to loans | 0.1969% | 782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 13.6905% | 1,982 |
| Efficiency ratio | 56.7994% | 3,847 |
| Assets per employee ($millions) | 8.6431% | 770 |
| Cash dividends to net income (ytd only)* | 27.2232% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7607% | 713 |
| Loan loss allowance to noncurrent loans | 68.9276% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.4540% | 656 |
| Noncurrent loans to loans | 2.5544% | 449 |
| Net loans and leases to total assets | 53.9389% | 3,880 |
| Net loans and leases to deposits | 71.9481% | 3,266 |
| Net loans and leases to core deposits | 76.8138% | 3,217 |
| Total domestic deposits to total assets | 74.9691% | 4,522 |
| Equity capital to assets | 23.0653% | 125 |
| Core capital (leverage) ratio | 21.5401% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,420,333 | 4,265 |
| Average earning assets | $72,981,000 | 4,261 |
| Average equity | $17,265,333 | 3,438 |
| Average total loans | $42,666,333 | 4,300 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 3,188 |
| Cost of funding earning assets | 0.7383% | 2,734 |
| Net interest margin | 3.4687% | 3,086 |
| Noninterest income to average assets | 0.2642% | 3,953 |
| Noninterest expense to average assets | 1.9542% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4849% | 812 |
| Return on assets (ROA) | 1.4158% | 1,020 |
| Pretax return on assets | 1.4258% | 1,491 |
| Return on Equity (ROE) | 6.7112% | 3,063 |
| Retained earnings to average equity (ytd only) | 6.7112% | 1,642 |
| Net charge-offs to loans | -0.0844% | 4,786 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6474% | 4,145 |
| Assets per employee ($millions) | 8.5930% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9785% | 517 |
| Loan loss allowance to noncurrent loans | 58.4000% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.7779% | 523 |
| Noncurrent loans to loans | 3.3878% | 288 |
| Net loans and leases to total assets | 51.4424% | 4,150 |
| Net loans and leases to deposits | 67.4648% | 3,763 |
| Net loans and leases to core deposits | 72.9232% | 3,703 |
| Total domestic deposits to total assets | 76.2507% | 4,455 |
| Equity capital to assets | 21.8744% | 176 |
| Core capital (leverage) ratio | 20.9686% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,236,500 | 4,265 |
| Average earning assets | $73,687,500 | 4,265 |
| Average equity | $16,927,000 | 3,479 |
| Average total loans | $42,644,500 | 4,313 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 2,877 |
| Cost of funding earning assets | 0.7863% | 2,744 |
| Net interest margin | 3.7336% | 2,717 |
| Noninterest income to average assets | -0.4105% | 5,169 |
| Noninterest expense to average assets | 2.0910% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8962% | 3,219 |
| Return on assets (ROA) | 1.2981% | 1,769 |
| Pretax return on assets | 1.3377% | 2,366 |
| Return on Equity (ROE) | 6.1774% | 3,853 |
| Retained earnings to average equity (ytd only) | 4.6559% | 2,615 |
| Net charge-offs to loans | -0.1378% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3678% | 2,271 |
| Assets per employee ($millions) | 9.2373% | 464 |
| Cash dividends to net income (ytd only)* | 24.6305% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7762% | 687 |
| Loan loss allowance to noncurrent loans | 68.0377% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.4037% | 749 |
| Noncurrent loans to loans | 2.6106% | 404 |
| Net loans and leases to total assets | 52.8147% | 4,165 |
| Net loans and leases to deposits | 67.8147% | 3,832 |
| Net loans and leases to core deposits | 73.5465% | 3,754 |
| Total domestic deposits to total assets | 77.8808% | 4,381 |
| Equity capital to assets | 20.3726% | 238 |
| Core capital (leverage) ratio | 20.9048% | 200 |
| Tier 1 risk-based capital ratio | 27.2819% | 601 |
| Total risk-based capital ratio | 28.5334% | 588 |
| Memoranda: | ||
| Average total assets | $78,191,600 | 4,319 |
| Average earning assets | $71,726,400 | 4,319 |
| Average equity | $16,430,800 | 3,505 |
| Average total loans | $45,008,000 | 4,281 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5969% | 2,735 |
| Cost of funding earning assets | 0.7731% | 2,855 |
| Net interest margin | 3.8238% | 2,517 |
| Noninterest income to average assets | -0.6324% | 5,245 |
| Noninterest expense to average assets | 2.1172% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7324% | 3,903 |
| Return on assets (ROA) | 1.2613% | 2,061 |
| Pretax return on assets | 1.3150% | 2,615 |
| Return on Equity (ROE) | 5.9533% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.9533% | 2,392 |
| Net charge-offs to loans | -0.1035% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4817% | 1,640 |
| Assets per employee ($millions) | 8.5666% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 946 |
| Loan loss allowance to noncurrent loans | 58.5496% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.6991% | 607 |
| Noncurrent loans to loans | 2.7753% | 384 |
| Net loans and leases to total assets | 60.2278% | 3,657 |
| Net loans and leases to deposits | 82.7571% | 2,588 |
| Net loans and leases to core deposits | 91.3517% | 2,428 |
| Total domestic deposits to total assets | 72.7766% | 4,882 |
| Equity capital to assets | 22.0016% | 185 |
| Core capital (leverage) ratio | 20.6329% | 222 |
| Tier 1 risk-based capital ratio | 27.0680% | 637 |
| Total risk-based capital ratio | 28.3191% | 620 |
| Memoranda: | ||
| Average total assets | $76,955,500 | 4,387 |
| Average earning assets | $70,712,750 | 4,389 |
| Average equity | $16,304,250 | 3,543 |
| Average total loans | $45,084,500 | 4,336 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5499% | 2,848 |
| Cost of funding earning assets | 0.7175% | 3,068 |
| Net interest margin | 3.8324% | 2,471 |
| Noninterest income to average assets | 0.2523% | 4,243 |
| Noninterest expense to average assets | 3.2715% | 1,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4499% | 4,643 |
| Return on assets (ROA) | 0.4499% | 4,670 |
| Pretax return on assets | 0.4811% | 4,720 |
| Return on Equity (ROE) | 2.1511% | 4,921 |
| Retained earnings to average equity (ytd only) | 2.1511% | 4,072 |
| Net charge-offs to loans | -0.1307% | 5,056 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1795% | 486 |
| Assets per employee ($millions) | 8.7368% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 1,016 |
| Loan loss allowance to noncurrent loans | 46.1212% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 3.7924% | 122 |
| Noncurrent loans to loans | 3.4811% | 241 |
| Net loans and leases to total assets | 59.3125% | 3,801 |
| Net loans and leases to deposits | 83.1070% | 2,594 |
| Net loans and leases to core deposits | 88.8461% | 2,720 |
| Total domestic deposits to total assets | 71.3688% | 5,002 |
| Equity capital to assets | 20.8595% | 214 |
| Core capital (leverage) ratio | 20.3674% | 226 |
| Tier 1 risk-based capital ratio | 25.3433% | 722 |
| Total risk-based capital ratio | 26.5744% | 714 |
| Memoranda: | ||
| Average total assets | $76,907,670 | 4,423 |
| Average earning assets | $70,243,330 | 4,436 |
| Average equity | $16,084,670 | 3,568 |
| Average total loans | $44,378,670 | 4,379 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 2,730 |
| Cost of funding earning assets | 0.6662% | 3,226 |
| Net interest margin | 3.8755% | 2,265 |
| Noninterest income to average assets | 0.2209% | 4,424 |
| Noninterest expense to average assets | 2.0514% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6885% | 749 |
| Return on assets (ROA) | 1.6885% | 774 |
| Pretax return on assets | 1.6885% | 1,241 |
| Return on Equity (ROE) | 8.0623% | 3,238 |
| Retained earnings to average equity (ytd only) | 8.0623% | 1,635 |
| Net charge-offs to loans | -0.1959% | 5,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8523% | 4,451 |
| Assets per employee ($millions) | 8.3220% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 772 |
| Loan loss allowance to noncurrent loans | 46.6543% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 4.6116% | 76 |
| Noncurrent loans to loans | 3.7577% | 225 |
| Net loans and leases to total assets | 56.3420% | 4,039 |
| Net loans and leases to deposits | 74.9552% | 3,359 |
| Net loans and leases to core deposits | 79.7155% | 3,398 |
| Total domestic deposits to total assets | 75.1676% | 4,842 |
| Equity capital to assets | 21.5987% | 181 |
| Core capital (leverage) ratio | 21.2971% | 190 |
| Tier 1 risk-based capital ratio | 27.2152% | 604 |
| Total risk-based capital ratio | 28.4662% | 594 |
| Memoranda: | ||
| Average total assets | $76,046,000 | 4,484 |
| Average earning assets | $69,049,500 | 4,497 |
| Average equity | $15,926,000 | 3,590 |
| Average total loans | $42,868,500 | 4,468 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 2,697 |
| Cost of funding earning assets | 0.6382% | 2,474 |
| Net interest margin | 3.7827% | 2,737 |
| Noninterest income to average assets | 0.1450% | 4,987 |
| Noninterest expense to average assets | 2.2918% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2941% | 1,829 |
| Return on assets (ROA) | 1.2941% | 1,811 |
| Pretax return on assets | 1.2823% | 2,569 |
| Return on Equity (ROE) | 6.3254% | 4,059 |
| Retained earnings to average equity (ytd only) | 3.7489% | 3,512 |
| Net charge-offs to loans | 0.8185% | 184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 2.7880% | 3,486 |
| Efficiency ratio | 64.1224% | 3,174 |
| Assets per employee ($millions) | 7.0176% | 970 |
| Cash dividends to net income (ytd only)* | 40.7332% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7109% | 813 |
| Loan loss allowance to noncurrent loans | 43.2113% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 4.5781% | 79 |
| Noncurrent loans to loans | 3.9593% | 189 |
| Net loans and leases to total assets | 54.4770% | 4,247 |
| Net loans and leases to deposits | 70.2171% | 3,811 |
| Net loans and leases to core deposits | 74.4485% | 3,820 |
| Total domestic deposits to total assets | 77.5838% | 4,549 |
| Equity capital to assets | 20.3060% | 219 |
| Core capital (leverage) ratio | 21.0336% | 192 |
| Tier 1 risk-based capital ratio | 26.3894% | 647 |
| Total risk-based capital ratio | 27.6395% | 640 |
| Memoranda: | ||
| Average total assets | $75,880,000 | 4,501 |
| Average earning assets | $68,786,800 | 4,517 |
| Average equity | $15,524,600 | 3,573 |
| Average total loans | $42,640,800 | 4,480 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 2,538 |
| Cost of funding earning assets | 0.6297% | 2,276 |
| Net interest margin | 3.7977% | 2,659 |
| Noninterest income to average assets | 0.1271% | 5,112 |
| Noninterest expense to average assets | 2.1883% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3871% | 1,537 |
| Return on assets (ROA) | 1.3871% | 1,536 |
| Pretax return on assets | 1.3871% | 2,278 |
| Return on Equity (ROE) | 6.7668% | 4,010 |
| Retained earnings to average equity (ytd only) | 5.0449% | 3,214 |
| Net charge-offs to loans | 1.0953% | 127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.2457% | 3,262 |
| Efficiency ratio | 61.2043% | 3,634 |
| Assets per employee ($millions) | 6.7477% | 1,051 |
| Cash dividends to net income (ytd only)* | 25.4454% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6717% | 923 |
| Loan loss allowance to noncurrent loans | 36.1345% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 5.2381% | 79 |
| Noncurrent loans to loans | 4.6263% | 158 |
| Net loans and leases to total assets | 57.9279% | 4,050 |
| Net loans and leases to deposits | 78.4288% | 3,195 |
| Net loans and leases to core deposits | 83.5997% | 3,185 |
| Total domestic deposits to total assets | 73.8606% | 4,989 |
| Equity capital to assets | 20.9242% | 196 |
| Core capital (leverage) ratio | 20.9773% | 198 |
| Tier 1 risk-based capital ratio | 26.3558% | 658 |
| Total risk-based capital ratio | 27.5989% | 647 |
| Memoranda: | ||
| Average total assets | $75,551,500 | 4,548 |
| Average earning assets | $68,601,250 | 4,564 |
| Average equity | $15,487,000 | 3,600 |
| Average total loans | $42,604,750 | 4,533 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 2,635 |
| Cost of funding earning assets | 0.6180% | 2,122 |
| Net interest margin | 3.7196% | 2,860 |
| Noninterest income to average assets | 0.0368% | 5,429 |
| Noninterest expense to average assets | 2.1765% | 4,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2343% | 2,040 |
| Return on assets (ROA) | 1.2343% | 2,036 |
| Pretax return on assets | 1.2343% | 2,796 |
| Return on Equity (ROE) | 6.0624% | 4,214 |
| Retained earnings to average equity (ytd only) | 3.4772% | 3,844 |
| Net charge-offs to loans | 1.7381% | 66 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.2779% | 3,077 |
| Efficiency ratio | 63.8117% | 3,338 |
| Assets per employee ($millions) | 6.5735% | 1,143 |
| Cash dividends to net income (ytd only)* | 42.6439% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 876 |
| Loan loss allowance to noncurrent loans | 31.2336% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 5.7711% | 67 |
| Noncurrent loans to loans | 5.4992% | 109 |
| Net loans and leases to total assets | 56.5020% | 4,121 |
| Net loans and leases to deposits | 73.9301% | 3,537 |
| Net loans and leases to core deposits | 80.2972% | 3,395 |
| Total domestic deposits to total assets | 76.4262% | 4,814 |
| Equity capital to assets | 21.3542% | 181 |
| Core capital (leverage) ratio | 20.8808% | 192 |
| Tier 1 risk-based capital ratio | 26.5036% | 634 |
| Total risk-based capital ratio | 27.7536% | 629 |
| Memoranda: | ||
| Average total assets | $75,993,670 | 4,594 |
| Average earning assets | $68,931,670 | 4,608 |
| Average equity | $15,472,330 | 3,614 |
| Average total loans | $42,230,330 | 4,579 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 1,872 |
| Cost of funding earning assets | 0.6126% | 1,960 |
| Net interest margin | 3.8857% | 2,102 |
| Noninterest income to average assets | 0.2775% | 4,312 |
| Noninterest expense to average assets | 1.9837% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8141% | 549 |
| Return on assets (ROA) | 1.8141% | 552 |
| Pretax return on assets | 1.8141% | 884 |
| Return on Equity (ROE) | 9.1167% | 2,851 |
| Retained earnings to average equity (ytd only) | 3.9514% | 3,610 |
| Net charge-offs to loans | -0.2538% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2327% | 4,947 |
| Assets per employee ($millions) | 6.7136% | 1,085 |
| Cash dividends to net income (ytd only)* | 56.6572% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6387% | 219 |
| Loan loss allowance to noncurrent loans | 39.5009% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 6.3534% | 59 |
| Noncurrent loans to loans | 6.6802% | 81 |
| Net loans and leases to total assets | 55.3582% | 4,174 |
| Net loans and leases to deposits | 71.9475% | 3,607 |
| Net loans and leases to core deposits | 79.3841% | 3,375 |
| Total domestic deposits to total assets | 76.9425% | 4,862 |
| Equity capital to assets | 20.8775% | 186 |
| Core capital (leverage) ratio | 19.8655% | 217 |
| Tier 1 risk-based capital ratio | 26.7266% | 625 |
| Total risk-based capital ratio | 27.9845% | 617 |
| Memoranda: | ||
| Average total assets | $77,836,000 | 4,608 |
| Average earning assets | $70,514,500 | 4,631 |
| Average equity | $15,488,000 | 3,647 |
| Average total loans | $42,560,500 | 4,624 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3677% | 2,120 |
| Cost of funding earning assets | 0.6582% | 1,256 |
| Net interest margin | 3.7095% | 2,764 |
| Noninterest income to average assets | 0.2795% | 4,461 |
| Noninterest expense to average assets | 1.9102% | 5,101 |
| Loan and lease loss provision to assets | 0.5552% | 236 |
| Net operating income to assets | 1.2577% | 1,335 |
| Return on assets (ROA) | 1.2577% | 1,361 |
| Pretax return on assets | 1.2664% | 2,483 |
| Return on Equity (ROE) | 6.6224% | 3,469 |
| Retained earnings to average equity (ytd only) | 6.6224% | 1,221 |
| Net charge-offs to loans | 3.8304% | 27 |
| Credit loss provision to net charge-offs | 25.5014% | 3,572 |
| Earnings coverage of net charge-offs (x) | 0.8367% | 3,956 |
| Efficiency ratio | 51.1869% | 5,153 |
| Assets per employee ($millions) | 7.4384% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5063% | 247 |
| Loan loss allowance to noncurrent loans | 93.8368% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 3.7142% | 172 |
| Noncurrent loans to loans | 2.6709% | 470 |
| Net loans and leases to total assets | 51.3920% | 4,563 |
| Net loans and leases to deposits | 65.0445% | 4,257 |
| Net loans and leases to core deposits | 73.9965% | 3,879 |
| Total domestic deposits to total assets | 79.0105% | 4,541 |
| Equity capital to assets | 19.0144% | 251 |
| Core capital (leverage) ratio | 19.4187% | 216 |
| Tier 1 risk-based capital ratio | 23.7732% | 833 |
| Total risk-based capital ratio | 25.0295% | 820 |
| Memoranda: | ||
| Average total assets | $80,147,600 | 4,591 |
| Average earning assets | $74,592,800 | 4,574 |
| Average equity | $15,221,000 | 3,693 |
| Average total loans | $45,556,400 | 4,579 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4049% | 1,949 |
| Cost of funding earning assets | 0.6756% | 1,091 |
| Net interest margin | 3.7293% | 2,662 |
| Noninterest income to average assets | 0.2993% | 4,388 |
| Noninterest expense to average assets | 1.8562% | 5,190 |
| Loan and lease loss provision to assets | 0.7442% | 151 |
| Net operating income to assets | 1.1974% | 1,705 |
| Return on assets (ROA) | 1.1974% | 1,737 |
| Pretax return on assets | 1.1974% | 2,917 |
| Return on Equity (ROE) | 6.3068% | 3,979 |
| Retained earnings to average equity (ytd only) | 6.3068% | 2,053 |
| Net charge-offs to loans | 3.9656% | 28 |
| Credit loss provision to net charge-offs | 32.4108% | 3,064 |
| Earnings coverage of net charge-offs (x) | 0.8456% | 3,624 |
| Efficiency ratio | 48.8771% | 5,299 |
| Assets per employee ($millions) | 6.9183% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2265% | 123 |
| Loan loss allowance to noncurrent loans | 36.8314% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 5.2457% | 94 |
| Noncurrent loans to loans | 8.7602% | 33 |
| Net loans and leases to total assets | 57.2660% | 4,131 |
| Net loans and leases to deposits | 74.3826% | 3,531 |
| Net loans and leases to core deposits | 86.8681% | 2,884 |
| Total domestic deposits to total assets | 76.9885% | 4,899 |
| Equity capital to assets | 20.4058% | 213 |
| Core capital (leverage) ratio | 18.9600% | 253 |
| Tier 1 risk-based capital ratio | 25.7104% | 698 |
| Total risk-based capital ratio | 26.9765% | 686 |
| Memoranda: | ||
| Average total assets | $79,729,000 | 4,637 |
| Average earning assets | $74,793,500 | 4,614 |
| Average equity | $15,136,750 | 3,738 |
| Average total loans | $46,162,750 | 4,604 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3887% | 1,855 |
| Cost of funding earning assets | 0.6920% | 933 |
| Net interest margin | 3.6967% | 2,671 |
| Noninterest income to average assets | 0.2916% | 4,470 |
| Noninterest expense to average assets | 1.5765% | 5,512 |
| Loan and lease loss provision to assets | 0.6301% | 176 |
| Net operating income to assets | 1.5567% | 776 |
| Return on assets (ROA) | 1.5567% | 796 |
| Pretax return on assets | 1.5567% | 1,468 |
| Return on Equity (ROE) | 8.3966% | 2,829 |
| Retained earnings to average equity (ytd only) | 8.3966% | 1,034 |
| Net charge-offs to loans | 5.9477% | 14 |
| Credit loss provision to net charge-offs | 18.4249% | 2,796 |
| Earnings coverage of net charge-offs (x) | 0.6395% | 3,360 |
| Efficiency ratio | 41.8910% | 5,578 |
| Assets per employee ($millions) | 7.9713% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6742% | 229 |
| Loan loss allowance to noncurrent loans | 34.2357% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 4.6467% | 123 |
| Noncurrent loans to loans | 7.8111% | 52 |
| Net loans and leases to total assets | 57.1626% | 4,106 |
| Net loans and leases to deposits | 75.0824% | 3,445 |
| Net loans and leases to core deposits | 87.1659% | 2,786 |
| Total domestic deposits to total assets | 76.1331% | 5,077 |
| Equity capital to assets | 19.4862% | 244 |
| Core capital (leverage) ratio | 18.3551% | 284 |
| Tier 1 risk-based capital ratio | 24.4693% | 809 |
| Total risk-based capital ratio | 25.7302% | 783 |
| Memoranda: | ||
| Average total assets | $80,938,330 | 4,646 |
| Average earning assets | $76,014,000 | 4,611 |
| Average equity | $15,006,000 | 3,762 |
| Average total loans | $46,539,330 | 4,618 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3871% | 1,685 |
| Cost of funding earning assets | 0.6886% | 884 |
| Net interest margin | 3.6985% | 2,487 |
| Noninterest income to average assets | 0.2938% | 4,456 |
| Noninterest expense to average assets | 1.4594% | 5,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.3066% | 192 |
| Return on assets (ROA) | 2.3066% | 195 |
| Pretax return on assets | 2.3066% | 297 |
| Return on Equity (ROE) | 12.6698% | 1,071 |
| Retained earnings to average equity (ytd only) | 12.6698% | 407 |
| Net charge-offs to loans | 0.0085% | 2,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 471.0000% | 119 |
| Efficiency ratio | 38.7516% | 5,713 |
| Assets per employee ($millions) | 7.9864% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9918% | 46 |
| Loan loss allowance to noncurrent loans | 49.8743% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 6.0365% | 81 |
| Noncurrent loans to loans | 10.0088% | 32 |
| Net loans and leases to total assets | 56.7427% | 4,096 |
| Net loans and leases to deposits | 73.5176% | 3,450 |
| Net loans and leases to core deposits | 84.7158% | 2,834 |
| Total domestic deposits to total assets | 77.1825% | 5,096 |
| Equity capital to assets | 18.9159% | 252 |
| Core capital (leverage) ratio | 17.8356% | 297 |
| Tier 1 risk-based capital ratio | 23.4664% | 921 |
| Total risk-based capital ratio | 24.7494% | 905 |
| Memoranda: | ||
| Average total assets | $81,678,500 | 4,681 |
| Average earning assets | $76,680,000 | 4,642 |
| Average equity | $14,870,000 | 3,797 |
| Average total loans | $47,092,000 | 4,646 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 1,181 |
| Cost of funding earning assets | 0.6911% | 849 |
| Net interest margin | 3.9528% | 1,779 |
| Noninterest income to average assets | 0.2785% | 4,750 |
| Noninterest expense to average assets | 1.6095% | 5,644 |
| Loan and lease loss provision to assets | 1.9647% | 43 |
| Net operating income to assets | 0.4095% | 4,910 |
| Return on assets (ROA) | 0.4095% | 4,989 |
| Pretax return on assets | 0.4095% | 5,215 |
| Return on Equity (ROE) | 2.2728% | 5,336 |
| Retained earnings to average equity (ytd only) | -1.0021% | 5,442 |
| Net charge-offs to loans | -0.0392% | 5,326 |
| Credit loss provision to net charge-offs | -8,763.1579% | 5,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4028% | 5,776 |
| Assets per employee ($millions) | 8.3493% | 525 |
| Cash dividends to net income (ytd only)* | 144.0922% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1220% | 42 |
| Loan loss allowance to noncurrent loans | 79.0242% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 3.6650% | 227 |
| Noncurrent loans to loans | 6.4815% | 85 |
| Net loans and leases to total assets | 52.8248% | 4,542 |
| Net loans and leases to deposits | 67.0798% | 4,163 |
| Net loans and leases to core deposits | 75.9567% | 3,751 |
| Total domestic deposits to total assets | 78.7491% | 4,853 |
| Equity capital to assets | 17.5260% | 334 |
| Core capital (leverage) ratio | 16.6183% | 391 |
| Tier 1 risk-based capital ratio | 20.6784% | 1,261 |
| Total risk-based capital ratio | 21.9573% | 1,228 |
| Memoranda: | ||
| Average total assets | $84,747,400 | 4,631 |
| Average earning assets | $79,437,800 | 4,599 |
| Average equity | $15,267,200 | 3,780 |
| Average total loans | $48,473,800 | 4,618 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6823% | 1,104 |
| Cost of funding earning assets | 0.6926% | 845 |
| Net interest margin | 3.9897% | 1,690 |
| Noninterest income to average assets | 0.2789% | 4,774 |
| Noninterest expense to average assets | 1.4772% | 5,777 |
| Loan and lease loss provision to assets | 0.1948% | 1,105 |
| Net operating income to assets | 2.3171% | 204 |
| Return on assets (ROA) | 2.3171% | 218 |
| Pretax return on assets | 2.3499% | 281 |
| Return on Equity (ROE) | 12.4472% | 1,187 |
| Retained earnings to average equity (ytd only) | 8.2619% | 1,058 |
| Net charge-offs to loans | -0.0463% | 5,343 |
| Credit loss provision to net charge-offs | -735.2941% | 5,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7299% | 5,882 |
| Assets per employee ($millions) | 8.2425% | 533 |
| Cash dividends to net income (ytd only)* | 33.6247% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7830% | 1,040 |
| Loan loss allowance to noncurrent loans | 35.3263% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 2.9384% | 402 |
| Noncurrent loans to loans | 5.0472% | 167 |
| Net loans and leases to total assets | 56.0716% | 4,300 |
| Net loans and leases to deposits | 73.5881% | 3,634 |
| Net loans and leases to core deposits | 86.9771% | 2,851 |
| Total domestic deposits to total assets | 76.1965% | 5,211 |
| Equity capital to assets | 20.0279% | 228 |
| Core capital (leverage) ratio | 17.8047% | 317 |
| Tier 1 risk-based capital ratio | 22.3578% | 1,082 |
| Total risk-based capital ratio | 23.6046% | 1,067 |
| Memoranda: | ||
| Average total assets | $85,563,500 | 4,658 |
| Average earning assets | $80,271,500 | 4,619 |
| Average equity | $15,928,250 | 3,732 |
| Average total loans | $48,970,750 | 4,647 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 1,421 |
| Cost of funding earning assets | 0.6930% | 835 |
| Net interest margin | 3.8409% | 2,168 |
| Noninterest income to average assets | 0.2748% | 4,821 |
| Noninterest expense to average assets | 1.4063% | 5,898 |
| Loan and lease loss provision to assets | 0.2887% | 636 |
| Net operating income to assets | 2.1753% | 235 |
| Return on assets (ROA) | 2.1753% | 251 |
| Pretax return on assets | 2.1891% | 387 |
| Return on Equity (ROE) | 11.9733% | 1,336 |
| Retained earnings to average equity (ytd only) | 6.8891% | 1,667 |
| Net charge-offs to loans | 6.5311% | 6 |
| Credit loss provision to net charge-offs | 7.7160% | 3,010 |
| Earnings coverage of net charge-offs (x) | 0.6623% | 3,499 |
| Efficiency ratio | 36.2069% | 5,962 |
| Assets per employee ($millions) | 8.4544% | 489 |
| Cash dividends to net income (ytd only)* | 42.4628% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 1,330 |
| Loan loss allowance to noncurrent loans | 37.0504% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 2.6862% | 487 |
| Noncurrent loans to loans | 4.5204% | 226 |
| Net loans and leases to total assets | 57.2187% | 4,196 |
| Net loans and leases to deposits | 74.0868% | 3,579 |
| Net loans and leases to core deposits | 86.9569% | 2,822 |
| Total domestic deposits to total assets | 77.2320% | 5,128 |
| Equity capital to assets | 19.1250% | 257 |
| Core capital (leverage) ratio | 16.6562% | 390 |
| Tier 1 risk-based capital ratio | 21.2937% | 1,227 |
| Total risk-based capital ratio | 22.4954% | 1,216 |
| Memoranda: | ||
| Average total assets | $86,609,670 | 4,682 |
| Average earning assets | $81,386,670 | 4,636 |
| Average equity | $15,735,000 | 3,771 |
| Average total loans | $49,609,000 | 4,661 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 854 |
| Cost of funding earning assets | 0.6681% | 956 |
| Net interest margin | 4.1277% | 1,269 |
| Noninterest income to average assets | 0.2690% | 4,810 |
| Noninterest expense to average assets | 1.3897% | 5,967 |
| Loan and lease loss provision to assets | 0.2241% | 839 |
| Net operating income to assets | 2.5328% | 148 |
| Return on assets (ROA) | 2.5328% | 150 |
| Pretax return on assets | 2.5328% | 228 |
| Return on Equity (ROE) | 13.2117% | 991 |
| Retained earnings to average equity (ytd only) | 8.5350% | 1,251 |
| Net charge-offs to loans | 0.0078% | 2,857 |
| Credit loss provision to net charge-offs | 5,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 615.0000% | 86 |
| Efficiency ratio | 33.5135% | 6,050 |
| Assets per employee ($millions) | 8.8791% | 407 |
| Cash dividends to net income (ytd only)* | 35.3982% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6339% | 1,520 |
| Loan loss allowance to noncurrent loans | 69.2982% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.4123% | 1,468 |
| Noncurrent loans to loans | 2.3577% | 834 |
| Net loans and leases to total assets | 58.9226% | 3,931 |
| Net loans and leases to deposits | 82.4646% | 2,490 |
| Net loans and leases to core deposits | 93.7599% | 2,016 |
| Total domestic deposits to total assets | 71.4521% | 5,803 |
| Equity capital to assets | 19.5414% | 232 |
| Core capital (leverage) ratio | 17.7598% | 308 |
| Tier 1 risk-based capital ratio | 23.2843% | 987 |
| Total risk-based capital ratio | 24.5339% | 977 |
| Memoranda: | ||
| Average total assets | $89,230,500 | 4,672 |
| Average earning assets | $83,824,000 | 4,628 |
| Average equity | $17,106,000 | 3,568 |
| Average total loans | $51,433,500 | 4,631 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 1,514 |
| Cost of funding earning assets | 0.6560% | 1,039 |
| Net interest margin | 3.8709% | 2,130 |
| Noninterest income to average assets | 0.3269% | 4,562 |
| Noninterest expense to average assets | 1.4438% | 6,014 |
| Loan and lease loss provision to assets | 0.1715% | 1,334 |
| Net operating income to assets | 2.1915% | 256 |
| Return on assets (ROA) | 2.1915% | 260 |
| Pretax return on assets | 2.3069% | 288 |
| Return on Equity (ROE) | 11.6017% | 1,410 |
| Retained earnings to average equity (ytd only) | 5.5497% | 2,051 |
| Net charge-offs to loans | 1.0585% | 184 |
| Credit loss provision to net charge-offs | 29.9401% | 3,659 |
| Earnings coverage of net charge-offs (x) | 4.3273% | 3,572 |
| Efficiency ratio | 36.8114% | 6,103 |
| Assets per employee ($millions) | 8.9670% | 388 |
| Cash dividends to net income (ytd only)* | 52.1648% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 1,468 |
| Loan loss allowance to noncurrent loans | 351.9313% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 4,552 |
| Noncurrent loans to loans | 0.4690% | 3,784 |
| Net loans and leases to total assets | 54.4887% | 4,456 |
| Net loans and leases to deposits | 70.0713% | 3,918 |
| Net loans and leases to core deposits | 78.6555% | 3,480 |
| Total domestic deposits to total assets | 77.7618% | 5,209 |
| Equity capital to assets | 18.8034% | 262 |
| Core capital (leverage) ratio | 18.4042% | 269 |
| Tier 1 risk-based capital ratio | 22.5253% | 1,080 |
| Total risk-based capital ratio | 23.7077% | 1,071 |
| Memoranda: | ||
| Average total assets | $87,475,600 | 4,719 |
| Average earning assets | $81,246,400 | 4,691 |
| Average equity | $16,523,400 | 3,597 |
| Average total loans | $47,333,000 | 4,747 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 1,383 |
| Cost of funding earning assets | 0.6549% | 1,064 |
| Net interest margin | 3.9246% | 1,951 |
| Noninterest income to average assets | 0.3344% | 4,553 |
| Noninterest expense to average assets | 1.3267% | 6,138 |
| Loan and lease loss provision to assets | 0.2301% | 796 |
| Net operating income to assets | 2.3053% | 216 |
| Return on assets (ROA) | 2.3053% | 226 |
| Pretax return on assets | 2.4173% | 273 |
| Return on Equity (ROE) | 12.1902% | 1,321 |
| Retained earnings to average equity (ytd only) | 6.1072% | 2,179 |
| Net charge-offs to loans | 1.4318% | 106 |
| Credit loss provision to net charge-offs | 29.8805% | 3,272 |
| Earnings coverage of net charge-offs (x) | 3.4382% | 3,499 |
| Efficiency ratio | 33.3848% | 6,206 |
| Assets per employee ($millions) | 9.4580% | 331 |
| Cash dividends to net income (ytd only)* | 49.9004% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 1,509 |
| Loan loss allowance to noncurrent loans | 228.7709% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 4,092 |
| Noncurrent loans to loans | 0.7369% | 3,122 |
| Net loans and leases to total assets | 56.1136% | 4,342 |
| Net loans and leases to deposits | 74.3621% | 3,503 |
| Net loans and leases to core deposits | 84.3219% | 3,010 |
| Total domestic deposits to total assets | 75.4599% | 5,577 |
| Equity capital to assets | 19.5190% | 254 |
| Core capital (leverage) ratio | 18.0688% | 295 |
| Tier 1 risk-based capital ratio | 23.8866% | 957 |
| Total risk-based capital ratio | 25.1368% | 942 |
| Memoranda: | ||
| Average total assets | $86,927,000 | 4,791 |
| Average earning assets | $80,617,750 | 4,762 |
| Average equity | $16,439,000 | 3,635 |
| Average total loans | $46,746,250 | 4,818 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5682% | 1,351 |
| Cost of funding earning assets | 0.6540% | 1,077 |
| Net interest margin | 3.9142% | 1,931 |
| Noninterest income to average assets | 0.3565% | 4,410 |
| Noninterest expense to average assets | 1.3161% | 6,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.5340% | 163 |
| Return on assets (ROA) | 2.5340% | 170 |
| Pretax return on assets | 2.6506% | 203 |
| Return on Equity (ROE) | 13.5406% | 999 |
| Retained earnings to average equity (ytd only) | 7.4357% | 1,501 |
| Net charge-offs to loans | 2.1589% | 63 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.3293% | 3,361 |
| Efficiency ratio | 33.1797% | 6,278 |
| Assets per employee ($millions) | 9.4100% | 324 |
| Cash dividends to net income (ytd only)* | 45.0857% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 2,640 |
| Loan loss allowance to noncurrent loans | 565.5462% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 5,301 |
| Noncurrent loans to loans | 0.2520% | 4,769 |
| Net loans and leases to total assets | 54.9723% | 4,460 |
| Net loans and leases to deposits | 71.8790% | 3,733 |
| Net loans and leases to core deposits | 82.0298% | 3,168 |
| Total domestic deposits to total assets | 76.4789% | 5,534 |
| Equity capital to assets | 19.4261% | 249 |
| Core capital (leverage) ratio | 17.5067% | 330 |
| Tier 1 risk-based capital ratio | 24.9426% | 868 |
| Total risk-based capital ratio | 26.0387% | 873 |
| Memoranda: | ||
| Average total assets | $87,528,670 | 4,824 |
| Average earning assets | $80,732,670 | 4,809 |
| Average equity | $16,380,330 | 3,660 |
| Average total loans | $46,133,670 | 4,885 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 1,355 |
| Cost of funding earning assets | 0.6449% | 1,153 |
| Net interest margin | 3.8940% | 1,919 |
| Noninterest income to average assets | 0.7015% | 2,156 |
| Noninterest expense to average assets | 1.2052% | 6,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 3.0535% | 86 |
| Return on assets (ROA) | 3.0535% | 89 |
| Pretax return on assets | 3.0535% | 128 |
| Return on Equity (ROE) | 16.6172% | 504 |
| Retained earnings to average equity (ytd only) | 10.4989% | 814 |
| Net charge-offs to loans | -0.0088% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.2999% | 6,377 |
| Assets per employee ($millions) | 9.6739% | 285 |
| Cash dividends to net income (ytd only)* | 36.8189% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5622% | 490 |
| Loan loss allowance to noncurrent loans | 93.3121% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.4426% | 1,831 |
| Noncurrent loans to loans | 2.7458% | 852 |
| Net loans and leases to total assets | 51.1916% | 4,732 |
| Net loans and leases to deposits | 66.1678% | 4,139 |
| Net loans and leases to core deposits | 75.6154% | 3,631 |
| Total domestic deposits to total assets | 77.3663% | 5,554 |
| Equity capital to assets | 19.0938% | 262 |
| Core capital (leverage) ratio | 16.9074% | 368 |
| Tier 1 risk-based capital ratio | 24.9843% | 889 |
| Total risk-based capital ratio | 26.2158% | 872 |
| Memoranda: | ||
| Average total assets | $88,948,000 | 4,836 |
| Average earning assets | $81,253,500 | 4,838 |
| Average equity | $16,344,500 | 3,689 |
| Average total loans | $45,586,000 | 4,933 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 1,509 |
| Cost of funding earning assets | 0.6508% | 1,400 |
| Net interest margin | 3.9668% | 1,992 |
| Noninterest income to average assets | 0.2978% | 4,992 |
| Noninterest expense to average assets | 1.4680% | 6,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.4934% | 146 |
| Return on assets (ROA) | 2.4934% | 149 |
| Pretax return on assets | 2.5513% | 173 |
| Return on Equity (ROE) | 14.4354% | 859 |
| Retained earnings to average equity (ytd only) | 9.0691% | 691 |
| Net charge-offs to loans | 0.0247% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 200.1818% | 269 |
| Efficiency ratio | 36.5235% | 6,433 |
| Assets per employee ($millions) | 9.0831% | 327 |
| Cash dividends to net income (ytd only)* | 37.1747% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5754% | 498 |
| Loan loss allowance to noncurrent loans | 2,387.7551% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 5,479 |
| Noncurrent loans to loans | 0.1079% | 5,467 |
| Net loans and leases to total assets | 48.7279% | 5,096 |
| Net loans and leases to deposits | 61.7337% | 4,750 |
| Net loans and leases to core deposits | 69.9387% | 4,333 |
| Total domestic deposits to total assets | 78.9323% | 5,262 |
| Equity capital to assets | 17.6867% | 341 |
| Core capital (leverage) ratio | 16.9346% | 377 |
| Tier 1 risk-based capital ratio | 24.1855% | 932 |
| Total risk-based capital ratio | 25.4354% | 909 |
| Memoranda: | ||
| Average total assets | $86,307,600 | 4,919 |
| Average earning assets | $80,972,200 | 4,872 |
| Average equity | $14,907,800 | 3,852 |
| Average total loans | $44,486,200 | 5,017 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 1,629 |
| Cost of funding earning assets | 0.6490% | 1,463 |
| Net interest margin | 3.9251% | 2,138 |
| Noninterest income to average assets | 0.3162% | 4,910 |
| Noninterest expense to average assets | 1.3227% | 6,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.6501% | 120 |
| Return on assets (ROA) | 2.6501% | 119 |
| Pretax return on assets | 2.7237% | 152 |
| Return on Equity (ROE) | 15.4413% | 752 |
| Retained earnings to average equity (ytd only) | 10.8809% | 536 |
| Net charge-offs to loans | -0.0181% | 5,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6886% | 6,524 |
| Assets per employee ($millions) | 8.3251% | 451 |
| Cash dividends to net income (ytd only)* | 29.5333% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6937% | 491 |
| Loan loss allowance to noncurrent loans | 638.1720% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 5,327 |
| Noncurrent loans to loans | 0.4221% | 4,640 |
| Net loans and leases to total assets | 51.5045% | 4,856 |
| Net loans and leases to deposits | 66.4755% | 4,282 |
| Net loans and leases to core deposits | 75.8393% | 3,765 |
| Total domestic deposits to total assets | 77.4789% | 5,606 |
| Equity capital to assets | 18.8166% | 279 |
| Core capital (leverage) ratio | 16.8080% | 394 |
| Tier 1 risk-based capital ratio | 25.3600% | 846 |
| Total risk-based capital ratio | 26.6205% | 833 |
| Memoranda: | ||
| Average total assets | $85,176,750 | 4,991 |
| Average earning assets | $80,946,000 | 4,928 |
| Average equity | $14,618,500 | 3,924 |
| Average total loans | $44,250,250 | 5,084 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 1,675 |
| Cost of funding earning assets | 0.6404% | 1,585 |
| Net interest margin | 3.9062% | 2,140 |
| Noninterest income to average assets | 0.3426% | 4,681 |
| Noninterest expense to average assets | 1.2561% | 6,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.7290% | 113 |
| Return on assets (ROA) | 2.7290% | 114 |
| Pretax return on assets | 2.7966% | 142 |
| Return on Equity (ROE) | 16.4124% | 611 |
| Retained earnings to average equity (ytd only) | 12.2077% | 403 |
| Net charge-offs to loans | -0.0271% | 5,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.9948% | 6,602 |
| Assets per employee ($millions) | 8.7168% | 367 |
| Cash dividends to net income (ytd only)* | 25.6191% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5872% | 629 |
| Loan loss allowance to noncurrent loans | 1,175.2475% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 5,667 |
| Noncurrent loans to loans | 0.2201% | 5,346 |
| Net loans and leases to total assets | 51.2723% | 4,824 |
| Net loans and leases to deposits | 67.3189% | 4,136 |
| Net loans and leases to core deposits | 76.4859% | 3,577 |
| Total domestic deposits to total assets | 76.1633% | 5,898 |
| Equity capital to assets | 17.4617% | 368 |
| Core capital (leverage) ratio | 16.1828% | 454 |
| Tier 1 risk-based capital ratio | 23.9308% | 998 |
| Total risk-based capital ratio | 25.1893% | 974 |
| Memoranda: | ||
| Average total assets | $85,818,670 | 5,023 |
| Average earning assets | $81,511,670 | 4,946 |
| Average equity | $14,269,670 | 3,988 |
| Average total loans | $44,312,000 | 5,114 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4966% | 1,826 |
| Cost of funding earning assets | 0.6374% | 1,668 |
| Net interest margin | 3.8592% | 2,232 |
| Noninterest income to average assets | 0.2725% | 5,192 |
| Noninterest expense to average assets | 1.1698% | 6,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.7718% | 113 |
| Return on assets (ROA) | 2.7718% | 118 |
| Pretax return on assets | 2.7718% | 166 |
| Return on Equity (ROE) | 17.1089% | 519 |
| Retained earnings to average equity (ytd only) | 8.4095% | 1,454 |
| Net charge-offs to loans | -0.0092% | 5,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.6782% | 6,676 |
| Assets per employee ($millions) | 9.5173% | 278 |
| Cash dividends to net income (ytd only)* | 50.8475% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6451% | 681 |
| Loan loss allowance to noncurrent loans | 84.6705% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.6298% | 2,165 |
| Noncurrent loans to loans | 3.1240% | 1,001 |
| Net loans and leases to total assets | 50.7904% | 4,816 |
| Net loans and leases to deposits | 65.5255% | 4,143 |
| Net loans and leases to core deposits | 74.4210% | 3,603 |
| Total domestic deposits to total assets | 77.5124% | 5,899 |
| Equity capital to assets | 16.5394% | 455 |
| Core capital (leverage) ratio | 15.7710% | 506 |
| Tier 1 risk-based capital ratio | 23.4533% | 1,079 |
| Total risk-based capital ratio | 24.7133% | 1,062 |
| Memoranda: | ||
| Average total assets | $85,144,000 | 5,083 |
| Average earning assets | $80,950,000 | 5,001 |
| Average equity | $13,794,000 | 4,087 |
| Average total loans | $43,528,000 | 5,184 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 2,470 |
| Cost of funding earning assets | 0.6761% | 1,989 |
| Net interest margin | 3.7539% | 2,829 |
| Noninterest income to average assets | 0.2627% | 5,465 |
| Noninterest expense to average assets | 1.4991% | 6,576 |
| Loan and lease loss provision to assets | 0.7980% | 272 |
| Net operating income to assets | 1.4193% | 992 |
| Return on assets (ROA) | 1.4193% | 1,024 |
| Pretax return on assets | 1.5310% | 1,347 |
| Return on Equity (ROE) | 8.1583% | 2,952 |
| Retained earnings to average equity (ytd only) | 2.5124% | 4,463 |
| Net charge-offs to loans | -0.0233% | 6,168 |
| Credit loss provision to net charge-offs | -7,222.2222% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1597% | 6,704 |
| Assets per employee ($millions) | 9.4036% | 281 |
| Cash dividends to net income (ytd only)* | 69.2042% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7874% | 610 |
| Loan loss allowance to noncurrent loans | 578.9216% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 5,555 |
| Noncurrent loans to loans | 0.4815% | 4,791 |
| Net loans and leases to total assets | 48.6672% | 5,223 |
| Net loans and leases to deposits | 62.3938% | 4,683 |
| Net loans and leases to core deposits | 70.9135% | 4,197 |
| Total domestic deposits to total assets | 78.0000% | 5,827 |
| Equity capital to assets | 15.8581% | 545 |
| Core capital (leverage) ratio | 15.7161% | 504 |
| Tier 1 risk-based capital ratio | 24.0421% | 949 |
| Total risk-based capital ratio | 25.3025% | 941 |
| Memoranda: | ||
| Average total assets | $81,449,600 | 5,211 |
| Average earning assets | $77,358,600 | 5,111 |
| Average equity | $14,169,600 | 4,031 |
| Average total loans | $38,658,200 | 5,407 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 2,726 |
| Cost of funding earning assets | 0.6798% | 2,100 |
| Net interest margin | 3.6825% | 3,092 |
| Noninterest income to average assets | 0.2761% | 5,471 |
| Noninterest expense to average assets | 1.3837% | 6,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.2962% | 217 |
| Return on assets (ROA) | 2.2962% | 228 |
| Pretax return on assets | 2.3937% | 275 |
| Return on Equity (ROE) | 12.8995% | 1,260 |
| Retained earnings to average equity (ytd only) | 7.3274% | 1,720 |
| Net charge-offs to loans | -0.0141% | 5,965 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6302% | 6,793 |
| Assets per employee ($millions) | 9.2033% | 296 |
| Cash dividends to net income (ytd only)* | 43.1966% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 4,399 |
| Loan loss allowance to noncurrent loans | 326.7081% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 5,855 |
| Noncurrent loans to loans | 0.3975% | 5,198 |
| Net loans and leases to total assets | 48.2627% | 5,322 |
| Net loans and leases to deposits | 68.4017% | 4,016 |
| Net loans and leases to core deposits | 77.9502% | 3,367 |
| Total domestic deposits to total assets | 70.5578% | 6,573 |
| Equity capital to assets | 16.7198% | 446 |
| Core capital (leverage) ratio | 16.9232% | 391 |
| Tier 1 risk-based capital ratio | 25.5874% | 819 |
| Total risk-based capital ratio | 26.5637% | 834 |
| Memoranda: | ||
| Average total assets | $80,654,000 | 5,274 |
| Average earning assets | $76,685,500 | 5,177 |
| Average equity | $14,356,750 | 4,046 |
| Average total loans | $37,730,500 | 5,488 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 2,748 |
| Cost of funding earning assets | 0.6917% | 2,126 |
| Net interest margin | 3.6616% | 3,130 |
| Noninterest income to average assets | 0.2853% | 5,410 |
| Noninterest expense to average assets | 1.3987% | 6,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.2920% | 222 |
| Return on assets (ROA) | 2.2920% | 230 |
| Pretax return on assets | 2.3571% | 324 |
| Return on Equity (ROE) | 12.6119% | 1,334 |
| Retained earnings to average equity (ytd only) | 7.1045% | 1,845 |
| Net charge-offs to loans | -0.0163% | 5,897 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2418% | 6,830 |
| Assets per employee ($millions) | 8.9267% | 315 |
| Cash dividends to net income (ytd only)* | 43.6681% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 4,212 |
| Loan loss allowance to noncurrent loans | 514.7059% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 6,104 |
| Noncurrent loans to loans | 0.2642% | 5,652 |
| Net loans and leases to total assets | 47.4060% | 5,382 |
| Net loans and leases to deposits | 64.4379% | 4,448 |
| Net loans and leases to core deposits | 73.6801% | 3,856 |
| Total domestic deposits to total assets | 73.5686% | 6,468 |
| Equity capital to assets | 17.4820% | 369 |
| Core capital (leverage) ratio | 17.0709% | 364 |
| Tier 1 risk-based capital ratio | 19.6578% | 1,808 |
| Total risk-based capital ratio | 20.4216% | 1,918 |
| Memoranda: | ||
| Average total assets | $79,928,670 | 5,314 |
| Average earning assets | $75,759,670 | 5,232 |
| Average equity | $14,526,000 | 4,042 |
| Average total loans | $36,806,670 | 5,548 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 2,819 |
| Cost of funding earning assets | 0.7239% | 2,034 |
| Net interest margin | 3.5931% | 3,289 |
| Noninterest income to average assets | 0.3211% | 5,131 |
| Noninterest expense to average assets | 1.5002% | 6,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0772% | 303 |
| Return on assets (ROA) | 2.0772% | 331 |
| Pretax return on assets | 2.2076% | 417 |
| Return on Equity (ROE) | 11.2146% | 1,639 |
| Retained earnings to average equity (ytd only) | 5.7969% | 2,781 |
| Net charge-offs to loans | -0.0223% | 5,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4601% | 6,865 |
| Assets per employee ($millions) | 7.7902% | 532 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 3,949 |
| Loan loss allowance to noncurrent loans | 391.0448% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 6,055 |
| Noncurrent loans to loans | 0.3748% | 5,468 |
| Net loans and leases to total assets | 45.2235% | 5,521 |
| Net loans and leases to deposits | 59.8773% | 4,804 |
| Net loans and leases to core deposits | 67.5487% | 4,354 |
| Total domestic deposits to total assets | 75.5269% | 6,411 |
| Equity capital to assets | 18.9905% | 267 |
| Core capital (leverage) ratio | 16.7147% | 382 |
| Tier 1 risk-based capital ratio | 20.4733% | 1,656 |
| Total risk-based capital ratio | 21.2854% | 1,734 |
| Memoranda: | ||
| Average total assets | $79,723,000 | 5,371 |
| Average earning assets | $75,145,000 | 5,290 |
| Average equity | $14,766,500 | 4,042 |
| Average total loans | $35,904,500 | 5,624 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7631% | 2,347 |
| Cost of funding earning assets | 0.7666% | 2,950 |
| Net interest margin | 3.9965% | 2,399 |
| Noninterest income to average assets | 0.2744% | 5,500 |
| Noninterest expense to average assets | 1.8582% | 6,541 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.0851% | 308 |
| Return on assets (ROA) | 2.1339% | 313 |
| Pretax return on assets | 2.1975% | 414 |
| Return on Equity (ROE) | 11.2600% | 1,725 |
| Retained earnings to average equity (ytd only) | 5.3153% | 2,494 |
| Net charge-offs to loans | 0.1739% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 26.1290% | 1,111 |
| Efficiency ratio | 46.3931% | 6,770 |
| Assets per employee ($millions) | 8.1544% | 473 |
| Cash dividends to net income (ytd only)* | 52.7950% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 3,952 |
| Loan loss allowance to noncurrent loans | 573.6264% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 6,175 |
| Noncurrent loans to loans | 0.2524% | 5,848 |
| Net loans and leases to total assets | 43.5752% | 5,854 |
| Net loans and leases to deposits | 55.9284% | 5,452 |
| Net loans and leases to core deposits | 62.4899% | 5,107 |
| Total domestic deposits to total assets | 77.9125% | 6,098 |
| Equity capital to assets | 18.0749% | 324 |
| Core capital (leverage) ratio | 16.6656% | 381 |
| Tier 1 risk-based capital ratio | 16.0946% | 3,112 |
| Total risk-based capital ratio | 16.7410% | 3,388 |
| Memoranda: | ||
| Average total assets | $75,447,800 | 5,473 |
| Average earning assets | $70,437,200 | 5,412 |
| Average equity | $14,298,400 | 4,104 |
| Average total loans | $35,660,800 | 5,691 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8338% | 2,271 |
| Cost of funding earning assets | 0.7976% | 2,966 |
| Net interest margin | 4.0362% | 2,356 |
| Noninterest income to average assets | 0.2741% | 5,590 |
| Noninterest expense to average assets | 1.6846% | 6,801 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.3489% | 227 |
| Return on assets (ROA) | 2.4114% | 219 |
| Pretax return on assets | 2.4313% | 325 |
| Return on Equity (ROE) | 12.5641% | 1,441 |
| Retained earnings to average equity (ytd only) | 8.3353% | 1,473 |
| Net charge-offs to loans | 0.0188% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 262.4618% | 175 |
| Efficiency ratio | 41.5665% | 6,977 |
| Assets per employee ($millions) | 7.7290% | 533 |
| Cash dividends to net income (ytd only)* | 33.6578% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 3,566 |
| Loan loss allowance to noncurrent loans | 723.7500% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 6,341 |
| Noncurrent loans to loans | 0.2195% | 6,061 |
| Net loans and leases to total assets | 46.4148% | 5,720 |
| Net loans and leases to deposits | 61.2822% | 5,048 |
| Net loans and leases to core deposits | 71.2719% | 4,340 |
| Total domestic deposits to total assets | 75.7394% | 6,424 |
| Equity capital to assets | 19.4074% | 268 |
| Core capital (leverage) ratio | 17.1800% | 357 |
| Tier 1 risk-based capital ratio | 20.8579% | 1,565 |
| Total risk-based capital ratio | 21.7781% | 1,599 |
| Memoranda: | ||
| Average total assets | $73,923,750 | 5,574 |
| Average earning assets | $69,205,750 | 5,522 |
| Average equity | $14,188,250 | 4,166 |
| Average total loans | $35,562,250 | 5,768 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8709% | 2,227 |
| Cost of funding earning assets | 0.8162% | 3,069 |
| Net interest margin | 4.0547% | 2,271 |
| Noninterest income to average assets | 0.2912% | 5,473 |
| Noninterest expense to average assets | 1.5934% | 6,932 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.4835% | 182 |
| Return on assets (ROA) | 2.5879% | 174 |
| Pretax return on assets | 2.5961% | 262 |
| Return on Equity (ROE) | 13.5367% | 1,223 |
| Retained earnings to average equity (ytd only) | 9.5131% | 1,109 |
| Net charge-offs to loans | 0.0397% | 4,823 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 129.5714% | 344 |
| Efficiency ratio | 39.0047% | 7,079 |
| Assets per employee ($millions) | 8.3253% | 411 |
| Cash dividends to net income (ytd only)* | 29.7240% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 3,631 |
| Loan loss allowance to noncurrent loans | 686.9048% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 6,398 |
| Noncurrent loans to loans | 0.2319% | 6,112 |
| Net loans and leases to total assets | 47.5777% | 5,654 |
| Net loans and leases to deposits | 61.9358% | 5,005 |
| Net loans and leases to core deposits | 70.0828% | 4,527 |
| Total domestic deposits to total assets | 76.8177% | 6,356 |
| Equity capital to assets | 19.2585% | 264 |
| Core capital (leverage) ratio | 17.4474% | 332 |
| Tier 1 risk-based capital ratio | 20.6173% | 1,547 |
| Total risk-based capital ratio | 21.5397% | 1,606 |
| Memoranda: | ||
| Average total assets | $72,801,670 | 5,643 |
| Average earning assets | $68,119,000 | 5,583 |
| Average equity | $13,917,670 | 4,211 |
| Average total loans | $35,265,330 | 5,821 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9672% | 2,009 |
| Cost of funding earning assets | 0.8389% | 3,160 |
| Net interest margin | 4.1283% | 2,000 |
| Noninterest income to average assets | 0.5520% | 3,553 |
| Noninterest expense to average assets | 1.6672% | 6,924 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.6987% | 139 |
| Return on assets (ROA) | 2.6987% | 166 |
| Pretax return on assets | 2.6987% | 255 |
| Return on Equity (ROE) | 14.1712% | 1,156 |
| Retained earnings to average equity (ytd only) | 9.7793% | 1,326 |
| Net charge-offs to loans | -0.5750% | 7,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1865% | 7,150 |
| Assets per employee ($millions) | 7.8766% | 511 |
| Cash dividends to net income (ytd only)* | 30.9917% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8906% | 2,703 |
| Loan loss allowance to noncurrent loans | 823.3766% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 5,757 |
| Noncurrent loans to loans | 0.2296% | 6,232 |
| Net loans and leases to total assets | 46.4106% | 5,739 |
| Net loans and leases to deposits | 61.1445% | 5,025 |
| Net loans and leases to core deposits | 66.6869% | 4,831 |
| Total domestic deposits to total assets | 75.9032% | 6,551 |
| Equity capital to assets | 19.4868% | 244 |
| Core capital (leverage) ratio | 17.2855% | 338 |
| Tier 1 risk-based capital ratio | 21.2532% | 1,436 |
| Total risk-based capital ratio | 22.3252% | 1,447 |
| Memoranda: | ||
| Average total assets | $71,738,500 | 5,723 |
| Average earning assets | $66,275,000 | 5,676 |
| Average equity | $13,661,500 | 4,268 |
| Average total loans | $34,785,000 | 5,881 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2333% | 1,935 |
| Cost of funding earning assets | 1.0084% | 3,312 |
| Net interest margin | 4.2249% | 1,977 |
| Noninterest income to average assets | -0.2715% | 7,187 |
| Noninterest expense to average assets | 1.9110% | 6,813 |
| Loan and lease loss provision to assets | 0.0742% | 5,685 |
| Net operating income to assets | 1.4851% | 857 |
| Return on assets (ROA) | 1.4851% | 931 |
| Pretax return on assets | 1.5727% | 1,271 |
| Return on Equity (ROE) | 7.8116% | 3,006 |
| Retained earnings to average equity (ytd only) | 5.0803% | 2,580 |
| Net charge-offs to loans | -0.0946% | 7,128 |
| Credit loss provision to net charge-offs | -151.5152% | 6,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7114% | 6,541 |
| Assets per employee ($millions) | 8.0653% | 459 |
| Cash dividends to net income (ytd only)* | 34.9650% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6206% | 3,512 |
| Loan loss allowance to noncurrent loans | 758.4416% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 5,863 |
| Noncurrent loans to loans | 0.2137% | 6,309 |
| Net loans and leases to total assets | 48.8400% | 5,736 |
| Net loans and leases to deposits | 63.0516% | 5,115 |
| Net loans and leases to core deposits | 68.4917% | 4,971 |
| Total domestic deposits to total assets | 77.4605% | 6,274 |
| Equity capital to assets | 18.6105% | 304 |
| Core capital (leverage) ratio | 17.5381% | 330 |
| Tier 1 risk-based capital ratio | 20.8503% | 1,447 |
| Total risk-based capital ratio | 21.8454% | 1,465 |
| Memoranda: | ||
| Average total assets | $67,401,000 | 5,823 |
| Average earning assets | $61,089,600 | 5,833 |
| Average equity | $12,814,200 | 4,370 |
| Average total loans | $34,898,800 | 5,919 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2847% | 1,921 |
| Cost of funding earning assets | 1.0516% | 3,308 |
| Net interest margin | 4.2331% | 1,976 |
| Noninterest income to average assets | -0.4478% | 7,338 |
| Noninterest expense to average assets | 1.8052% | 6,992 |
| Loan and lease loss provision to assets | 0.1009% | 5,186 |
| Net operating income to assets | 1.4946% | 950 |
| Return on assets (ROA) | 1.4946% | 1,029 |
| Pretax return on assets | 1.4946% | 1,667 |
| Return on Equity (ROE) | 7.8160% | 3,126 |
| Retained earnings to average equity (ytd only) | 6.2338% | 2,411 |
| Net charge-offs to loans | -0.1156% | 7,194 |
| Credit loss provision to net charge-offs | -166.6667% | 6,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0842% | 6,585 |
| Assets per employee ($millions) | 7.6132% | 552 |
| Cash dividends to net income (ytd only)* | 20.2433% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 3,762 |
| Loan loss allowance to noncurrent loans | 708.5366% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 5,893 |
| Noncurrent loans to loans | 0.2227% | 6,427 |
| Net loans and leases to total assets | 52.8802% | 5,340 |
| Net loans and leases to deposits | 75.2378% | 3,468 |
| Net loans and leases to core deposits | 82.2337% | 3,291 |
| Total domestic deposits to total assets | 70.2842% | 7,027 |
| Equity capital to assets | 19.7303% | 258 |
| Core capital (leverage) ratio | 18.2344% | 304 |
| Tier 1 risk-based capital ratio | 20.9174% | 1,471 |
| Total risk-based capital ratio | 21.9155% | 1,498 |
| Memoranda: | ||
| Average total assets | $66,104,250 | 5,907 |
| Average earning assets | $60,096,750 | 5,903 |
| Average equity | $12,640,500 | 4,423 |
| Average total loans | $34,614,500 | 5,986 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2686% | 1,994 |
| Cost of funding earning assets | 1.1056% | 3,203 |
| Net interest margin | 4.1630% | 2,177 |
| Noninterest income to average assets | -0.7963% | 7,461 |
| Noninterest expense to average assets | 1.7887% | 7,094 |
| Loan and lease loss provision to assets | 0.1531% | 4,398 |
| Net operating income to assets | 0.9985% | 2,234 |
| Return on assets (ROA) | 0.9985% | 2,341 |
| Pretax return on assets | 0.9985% | 3,249 |
| Return on Equity (ROE) | 5.2803% | 4,317 |
| Retained earnings to average equity (ytd only) | 3.8226% | 3,779 |
| Net charge-offs to loans | -0.1417% | 7,243 |
| Credit loss provision to net charge-offs | -208.3333% | 6,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8333% | 5,755 |
| Assets per employee ($millions) | 7.3240% | 624 |
| Cash dividends to net income (ytd only)* | 27.6074% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 3,519 |
| Loan loss allowance to noncurrent loans | 684.5238% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 5,927 |
| Noncurrent loans to loans | 0.2401% | 6,442 |
| Net loans and leases to total assets | 52.1967% | 5,544 |
| Net loans and leases to deposits | 68.5515% | 4,627 |
| Net loans and leases to core deposits | 77.1366% | 4,171 |
| Total domestic deposits to total assets | 76.1424% | 6,578 |
| Equity capital to assets | 19.3671% | 293 |
| Core capital (leverage) ratio | 17.8102% | 349 |
| Tier 1 risk-based capital ratio | 21.3206% | 1,359 |
| Total risk-based capital ratio | 22.3577% | 1,380 |
| Memoranda: | ||
| Average total assets | $65,299,330 | 5,979 |
| Average earning assets | $58,611,000 | 6,009 |
| Average equity | $12,347,670 | 4,465 |
| Average total loans | $33,881,330 | 6,082 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1763% | 2,318 |
| Cost of funding earning assets | 1.1511% | 3,153 |
| Net interest margin | 4.0253% | 2,586 |
| Noninterest income to average assets | 0.7386% | 2,327 |
| Noninterest expense to average assets | 1.9203% | 6,957 |
| Loan and lease loss provision to assets | 0.3077% | 2,705 |
| Net operating income to assets | 2.0618% | 319 |
| Return on assets (ROA) | 2.0618% | 334 |
| Pretax return on assets | 2.0618% | 500 |
| Return on Equity (ROE) | 11.0393% | 1,727 |
| Retained earnings to average equity (ytd only) | 8.0735% | 1,707 |
| Net charge-offs to loans | -0.1800% | 7,242 |
| Credit loss provision to net charge-offs | -333.3333% | 5,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7633% | 7,256 |
| Assets per employee ($millions) | 7.1957% | 669 |
| Cash dividends to net income (ytd only)* | 26.8657% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 3,370 |
| Loan loss allowance to noncurrent loans | 643.1818% | 536 |
| Noncurrent assets plus other real estate owned to assets | 1.9024% | 3,434 |
| Noncurrent loans to loans | 0.2628% | 6,460 |
| Net loans and leases to total assets | 50.8269% | 5,737 |
| Net loans and leases to deposits | 66.9133% | 4,841 |
| Net loans and leases to core deposits | 66.9133% | 5,411 |
| Total domestic deposits to total assets | 75.9593% | 6,676 |
| Equity capital to assets | 19.1211% | 299 |
| Core capital (leverage) ratio | 17.6199% | 353 |
| Tier 1 risk-based capital ratio | 22.0775% | 1,215 |
| Total risk-based capital ratio | 23.1338% | 1,215 |
| Memoranda: | ||
| Average total assets | $64,991,000 | 6,027 |
| Average earning assets | $57,338,000 | 6,090 |
| Average equity | $12,138,500 | 4,517 |
| Average total loans | $33,331,500 | 6,164 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4543% | 2,464 |
| Cost of funding earning assets | 1.4378% | 3,030 |
| Net interest margin | 4.0164% | 2,953 |
| Noninterest income to average assets | 0.1290% | 6,752 |
| Noninterest expense to average assets | 2.0273% | 6,973 |
| Loan and lease loss provision to assets | 0.8026% | 2,030 |
| Net operating income to assets | 0.8870% | 2,441 |
| Return on assets (ROA) | 0.8870% | 2,574 |
| Pretax return on assets | 0.9380% | 3,142 |
| Return on Equity (ROE) | 4.6165% | 4,243 |
| Retained earnings to average equity (ytd only) | 2.7102% | 3,961 |
| Net charge-offs to loans | 2.6312% | 692 |
| Credit loss provision to net charge-offs | 53.2770% | 6,215 |
| Earnings coverage of net charge-offs (x) | 1.1554% | 4,952 |
| Efficiency ratio | 53.8039% | 6,824 |
| Assets per employee ($millions) | 7.2468% | 667 |
| Cash dividends to net income (ytd only)* | 41.2926% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 3,955 |
| Loan loss allowance to noncurrent loans | 589.4118% | 562 |
| Noncurrent assets plus other real estate owned to assets | 2.3198% | 2,945 |
| Noncurrent loans to loans | 0.2562% | 6,551 |
| Net loans and leases to total assets | 50.1066% | 6,157 |
| Net loans and leases to deposits | 65.2660% | 5,488 |
| Net loans and leases to core deposits | 72.1540% | 5,189 |
| Total domestic deposits to total assets | 76.7728% | 6,518 |
| Equity capital to assets | 18.2365% | 358 |
| Core capital (leverage) ratio | 18.2740% | 317 |
| Tier 1 risk-based capital ratio | 22.1176% | 1,157 |
| Total risk-based capital ratio | 23.0741% | 1,178 |
| Memoranda: | ||
| Average total assets | $62,794,400 | 6,098 |
| Average earning assets | $56,891,400 | 6,102 |
| Average equity | $12,065,400 | 4,584 |
| Average total loans | $35,952,800 | 6,113 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3638% | 3,056 |
| Cost of funding earning assets | 1.4906% | 3,037 |
| Net interest margin | 3.8732% | 3,647 |
| Noninterest income to average assets | 0.3881% | 5,054 |
| Noninterest expense to average assets | 1.7945% | 7,331 |
| Loan and lease loss provision to assets | 0.9648% | 1,549 |
| Net operating income to assets | 1.1427% | 1,755 |
| Return on assets (ROA) | 1.1427% | 1,864 |
| Pretax return on assets | 1.1942% | 2,509 |
| Return on Equity (ROE) | 5.8691% | 3,874 |
| Retained earnings to average equity (ytd only) | 3.3365% | 4,101 |
| Net charge-offs to loans | 2.2558% | 789 |
| Credit loss provision to net charge-offs | 72.5806% | 5,353 |
| Earnings coverage of net charge-offs (x) | 1.6242% | 4,498 |
| Efficiency ratio | 45.3905% | 7,412 |
| Assets per employee ($millions) | 6.9240% | 793 |
| Cash dividends to net income (ytd only)* | 43.1520% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1383% | 1,908 |
| Loan loss allowance to noncurrent loans | 858.8889% | 415 |
| Noncurrent assets plus other real estate owned to assets | 3.0265% | 2,399 |
| Noncurrent loans to loans | 0.2490% | 6,680 |
| Net loans and leases to total assets | 56.7703% | 5,448 |
| Net loans and leases to deposits | 78.5824% | 3,714 |
| Net loans and leases to core deposits | 89.1985% | 3,209 |
| Total domestic deposits to total assets | 72.2431% | 7,106 |
| Equity capital to assets | 20.1056% | 281 |
| Core capital (leverage) ratio | 18.0627% | 346 |
| Tier 1 risk-based capital ratio | 21.5253% | 1,281 |
| Total risk-based capital ratio | 22.7783% | 1,260 |
| Memoranda: | ||
| Average total assets | $62,187,750 | 6,187 |
| Average earning assets | $57,246,500 | 6,154 |
| Average equity | $12,108,250 | 4,646 |
| Average total loans | $36,645,750 | 6,167 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3462% | 3,231 |
| Cost of funding earning assets | 1.5344% | 3,040 |
| Net interest margin | 3.8117% | 3,842 |
| Noninterest income to average assets | 0.3958% | 4,941 |
| Noninterest expense to average assets | 1.6767% | 7,517 |
| Loan and lease loss provision to assets | 0.9655% | 1,511 |
| Net operating income to assets | 1.2133% | 1,525 |
| Return on assets (ROA) | 1.2133% | 1,591 |
| Pretax return on assets | 1.2712% | 2,184 |
| Return on Equity (ROE) | 6.3001% | 3,649 |
| Retained earnings to average equity (ytd only) | 3.2921% | 4,006 |
| Net charge-offs to loans | -0.0598% | 7,473 |
| Credit loss provision to net charge-offs | -2,727.2727% | 6,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8454% | 7,555 |
| Assets per employee ($millions) | 6.9360% | 797 |
| Cash dividends to net income (ytd only)* | 47.7454% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4777% | 552 |
| Loan loss allowance to noncurrent loans | 56.9545% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 4.1426% | 1,637 |
| Noncurrent loans to loans | 6.1060% | 1,039 |
| Net loans and leases to total assets | 55.7109% | 5,745 |
| Net loans and leases to deposits | 74.9634% | 4,517 |
| Net loans and leases to core deposits | 90.0026% | 3,263 |
| Total domestic deposits to total assets | 74.3176% | 6,939 |
| Equity capital to assets | 19.4605% | 315 |
| Core capital (leverage) ratio | 17.8990% | 365 |
| Tier 1 risk-based capital ratio | 22.5306% | 1,119 |
| Total risk-based capital ratio | 23.7953% | 1,099 |
| Memoranda: | ||
| Average total assets | $62,145,000 | 6,229 |
| Average earning assets | $57,349,670 | 6,190 |
| Average equity | $11,968,000 | 4,684 |
| Average total loans | $36,811,000 | 6,205 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3085% | 3,506 |
| Cost of funding earning assets | 1.5414% | 3,320 |
| Net interest margin | 3.7671% | 3,928 |
| Noninterest income to average assets | 0.4000% | 4,917 |
| Noninterest expense to average assets | 1.5805% | 7,668 |
| Loan and lease loss provision to assets | 0.9677% | 1,299 |
| Net operating income to assets | 1.3676% | 1,148 |
| Return on assets (ROA) | 1.3676% | 1,217 |
| Pretax return on assets | 1.3676% | 1,858 |
| Return on Equity (ROE) | 7.1392% | 3,276 |
| Retained earnings to average equity (ytd only) | 3.7717% | 3,882 |
| Net charge-offs to loans | -0.0538% | 7,364 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3624% | 7,724 |
| Assets per employee ($millions) | 6.8223% | 857 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9639% | 851 |
| Loan loss allowance to noncurrent loans | 73.7727% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 3.0504% | 2,340 |
| Noncurrent loans to loans | 4.0176% | 1,948 |
| Net loans and leases to total assets | 58.4925% | 5,352 |
| Net loans and leases to deposits | 78.9029% | 3,861 |
| Net loans and leases to core deposits | 95.9114% | 2,602 |
| Total domestic deposits to total assets | 74.1323% | 7,029 |
| Equity capital to assets | 19.4964% | 308 |
| Core capital (leverage) ratio | 17.9106% | 376 |
| Tier 1 risk-based capital ratio | 18.4842% | 1,839 |
| Total risk-based capital ratio | 18.4842% | 2,138 |
| Memoranda: | ||
| Average total assets | $62,005,500 | 6,308 |
| Average earning assets | $57,869,500 | 6,252 |
| Average equity | $11,878,000 | 4,747 |
| Average total loans | $37,201,500 | 6,253 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0273% | 1,762 |
| Cost of funding earning assets | 1.9277% | 3,318 |
| Net interest margin | 4.0996% | 2,449 |
| Noninterest income to average assets | 0.3930% | 5,267 |
| Noninterest expense to average assets | 1.9766% | 7,400 |
| Loan and lease loss provision to assets | 1.2282% | 1,874 |
| Net operating income to assets | 0.9645% | 1,965 |
| Return on assets (ROA) | 0.9645% | 2,018 |
| Pretax return on assets | 1.0087% | 2,563 |
| Return on Equity (ROE) | 5.2701% | 3,546 |
| Retained earnings to average equity (ytd only) | 3.9280% | 2,462 |
| Net charge-offs to loans | 2.4150% | 945 |
| Credit loss provision to net charge-offs | 82.6902% | 6,226 |
| Earnings coverage of net charge-offs (x) | 1.5061% | 4,619 |
| Efficiency ratio | 46.9102% | 7,670 |
| Assets per employee ($millions) | 6.9567% | 816 |
| Cash dividends to net income (ytd only)* | 25.4669% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5193% | 1,201 |
| Loan loss allowance to noncurrent loans | 61.6089% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 3.0586% | 2,279 |
| Noncurrent loans to loans | 4.0892% | 1,801 |
| Net loans and leases to total assets | 58.2159% | 5,628 |
| Net loans and leases to deposits | 77.9474% | 4,387 |
| Net loans and leases to core deposits | 111.6595% | 2,729 |
| Total domestic deposits to total assets | 74.6862% | 6,916 |
| Equity capital to assets | 18.8229% | 383 |
| Core capital (leverage) ratio | 18.1067% | 400 |
| Tier 1 risk-based capital ratio | 23.4254% | 998 |
| Total risk-based capital ratio | 24.6842% | 979 |
| Memoranda: | ||
| Average total assets | $61,065,800 | 6,312 |
| Average earning assets | $56,908,200 | 6,252 |
| Average equity | $11,176,200 | 4,971 |
| Average total loans | $37,557,000 | 6,219 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6990% | 3,339 |
| Cost of funding earning assets | 2.0533% | 3,104 |
| Net interest margin | 3.6458% | 4,295 |
| Noninterest income to average assets | 0.3955% | 5,327 |
| Noninterest expense to average assets | 1.7402% | 7,718 |
| Loan and lease loss provision to assets | 1.6480% | 1,139 |
| Net operating income to assets | 0.3538% | 4,578 |
| Return on assets (ROA) | 0.3538% | 4,674 |
| Pretax return on assets | 0.3977% | 4,807 |
| Return on Equity (ROE) | 1.9472% | 5,183 |
| Retained earnings to average equity (ytd only) | 0.1331% | 5,143 |
| Net charge-offs to loans | 2.6738% | 676 |
| Credit loss provision to net charge-offs | 99.4695% | 5,138 |
| Earnings coverage of net charge-offs (x) | 1.2347% | 4,843 |
| Efficiency ratio | 45.9663% | 7,773 |
| Assets per employee ($millions) | 6.7818% | 868 |
| Cash dividends to net income (ytd only)* | 93.1706% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9232% | 708 |
| Loan loss allowance to noncurrent loans | 63.8323% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 3.4504% | 1,938 |
| Noncurrent loans to loans | 4.5795% | 1,511 |
| Net loans and leases to total assets | 59.6320% | 5,639 |
| Net loans and leases to deposits | 88.9120% | 2,802 |
| Net loans and leases to core deposits | 132.7679% | 1,290 |
| Total domestic deposits to total assets | 67.0686% | 7,635 |
| Equity capital to assets | 18.7807% | 436 |
| Core capital (leverage) ratio | 18.0146% | 453 |
| Tier 1 risk-based capital ratio | 22.9702% | 1,114 |
| Total risk-based capital ratio | 24.2343% | 1,079 |
| Memoranda: | ||
| Average total assets | $60,679,750 | 6,366 |
| Average earning assets | $56,429,500 | 6,318 |
| Average equity | $11,024,000 | 5,070 |
| Average total loans | $37,598,500 | 6,253 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7456% | 3,318 |
| Cost of funding earning assets | 2.1729% | 2,920 |
| Net interest margin | 3.5728% | 4,483 |
| Noninterest income to average assets | 0.3798% | 5,469 |
| Noninterest expense to average assets | 1.7272% | 7,806 |
| Loan and lease loss provision to assets | 2.4768% | 634 |
| Net operating income to assets | -0.5746% | 6,626 |
| Return on assets (ROA) | -0.5746% | 6,636 |
| Pretax return on assets | -0.5119% | 6,439 |
| Return on Equity (ROE) | -3.1992% | 6,387 |
| Retained earnings to average equity (ytd only) | -5.9572% | 6,442 |
| Net charge-offs to loans | 3.8901% | 366 |
| Credit loss provision to net charge-offs | 102.4590% | 4,465 |
| Earnings coverage of net charge-offs (x) | 0.8128% | 4,925 |
| Efficiency ratio | 46.7800% | 7,820 |
| Assets per employee ($millions) | 6.5913% | 931 |
| Cash dividends to net income (ytd only)* | -86.2069% | 8,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0645% | 533 |
| Loan loss allowance to noncurrent loans | 35.1479% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 5.3572% | 948 |
| Noncurrent loans to loans | 8.7188% | 462 |
| Net loans and leases to total assets | 59.5614% | 5,748 |
| Net loans and leases to deposits | 82.5036% | 4,137 |
| Net loans and leases to core deposits | 122.6031% | 2,145 |
| Total domestic deposits to total assets | 72.1924% | 7,219 |
| Equity capital to assets | 18.0304% | 545 |
| Core capital (leverage) ratio | 17.1579% | 599 |
| Tier 1 risk-based capital ratio | 23.5077% | 1,085 |
| Total risk-based capital ratio | 24.7732% | 1,063 |
| Memoranda: | ||
| Average total assets | $60,561,000 | 6,429 |
| Average earning assets | $56,147,000 | 6,376 |
| Average equity | $10,877,670 | 5,120 |
| Average total loans | $37,633,670 | 6,311 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7491% | 3,538 |
| Cost of funding earning assets | 2.2257% | 3,034 |
| Net interest margin | 3.5234% | 4,637 |
| Noninterest income to average assets | 0.3727% | 5,443 |
| Noninterest expense to average assets | 1.4972% | 7,991 |
| Loan and lease loss provision to assets | 4.1190% | 229 |
| Net operating income to assets | -1.9679% | 7,650 |
| Return on assets (ROA) | -1.9679% | 7,650 |
| Pretax return on assets | -1.9418% | 7,518 |
| Return on Equity (ROE) | -10.9769% | 7,424 |
| Retained earnings to average equity (ytd only) | -12.8003% | 7,311 |
| Net charge-offs to loans | 0.5023% | 2,207 |
| Credit loss provision to net charge-offs | 1,312.5000% | 479 |
| Earnings coverage of net charge-offs (x) | 6.9375% | 2,414 |
| Efficiency ratio | 40.7473% | 8,029 |
| Assets per employee ($millions) | 6.7002% | 878 |
| Cash dividends to net income (ytd only)* | -16.6113% | 8,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3033% | 163 |
| Loan loss allowance to noncurrent loans | 42.8280% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 6.5089% | 572 |
| Noncurrent loans to loans | 10.0479% | 288 |
| Net loans and leases to total assets | 61.9913% | 5,326 |
| Net loans and leases to deposits | 87.8956% | 3,306 |
| Net loans and leases to core deposits | 128.4958% | 1,746 |
| Total domestic deposits to total assets | 70.5283% | 7,381 |
| Equity capital to assets | 17.9281% | 611 |
| Core capital (leverage) ratio | 16.9985% | 654 |
| Tier 1 risk-based capital ratio | 22.5089% | 1,248 |
| Total risk-based capital ratio | 23.7883% | 1,210 |
| Memoranda: | ||
| Average total assets | $61,180,500 | 6,432 |
| Average earning assets | $57,330,500 | 6,362 |
| Average equity | $10,968,500 | 5,116 |
| Average total loans | $38,225,500 | 6,321 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8669% | 6,197 |
| Cost of funding earning assets | 2.6931% | 3,185 |
| Net interest margin | 3.1738% | 6,453 |
| Noninterest income to average assets | 0.3591% | 5,853 |
| Noninterest expense to average assets | 1.7324% | 7,833 |
| Loan and lease loss provision to assets | 0.9975% | 1,476 |
| Net operating income to assets | 0.6151% | 4,240 |
| Return on assets (ROA) | 0.6151% | 4,098 |
| Pretax return on assets | 0.6151% | 4,646 |
| Return on Equity (ROE) | 3.3368% | 5,106 |
| Retained earnings to average equity (ytd only) | -2.0742% | 5,894 |
| Net charge-offs to loans | 0.8886% | 1,393 |
| Credit loss provision to net charge-offs | 178.5714% | 2,828 |
| Earnings coverage of net charge-offs (x) | 2.8869% | 4,636 |
| Efficiency ratio | 51.7893% | 7,512 |
| Assets per employee ($millions) | 6.8954% | 743 |
| Cash dividends to net income (ytd only)* | 162.1622% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9394% | 461 |
| Loan loss allowance to noncurrent loans | 37.2416% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 4.7552% | 762 |
| Noncurrent loans to loans | 7.8929% | 351 |
| Net loans and leases to total assets | 58.4750% | 6,133 |
| Net loans and leases to deposits | 81.0149% | 4,868 |
| Net loans and leases to core deposits | 113.3854% | 3,407 |
| Total domestic deposits to total assets | 72.1781% | 6,968 |
| Equity capital to assets | 17.9281% | 656 |
| Core capital (leverage) ratio | 17.1968% | 676 |
| Tier 1 risk-based capital ratio | 23.5775% | 1,132 |
| Total risk-based capital ratio | 24.8415% | 1,104 |
| Memoranda: | ||
| Average total assets | $60,148,200 | 6,378 |
| Average earning assets | $56,588,600 | 6,319 |
| Average equity | $11,088,400 | 5,099 |
| Average total loans | $37,811,800 | 6,277 |