Home > The First State Bank of Pond Creek, Oklahoma > Performance and Condition Ratios
The First State Bank of Pond Creek, Oklahoma, 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 | 5.7461% | 883 |
| Cost of funding earning assets | 0.9983% | 3,298 |
| Net interest margin | 4.7478% | 446 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 3.4748% | 594 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 1.0727% | 2,002 |
| Return on assets (ROA) | 1.0235% | 2,124 |
| Pretax return on assets | 1.0235% | 2,604 |
| Return on Equity (ROE) | 8.3600% | 2,929 |
| Retained earnings to average equity (ytd only) | 5.7584% | 2,338 |
| Net charge-offs to loans | 0.3717% | 287 |
| Credit loss provision to net charge-offs | 101.3514% | 1,823 |
| Earnings coverage of net charge-offs (x) | 4.9932% | 2,551 |
| Efficiency ratio | 72.0816% | 1,651 |
| Assets per employee ($millions) | 3.8194% | 4,218 |
| Cash dividends to net income (ytd only)* | 31.1388% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 762 |
| Loan loss allowance to noncurrent loans | 243.3692% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.6415% | 843 |
| Noncurrent loans to loans | 0.6780% | 1,155 |
| Net loans and leases to total assets | 75.6900% | 1,155 |
| Net loans and leases to deposits | 89.2240% | 1,327 |
| Net loans and leases to core deposits | 96.3046% | 1,640 |
| Total domestic deposits to total assets | 84.8300% | 2,360 |
| Equity capital to assets | 13.1511% | 835 |
| Core capital (leverage) ratio | 13.1805% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $54,910,000 | 4,264 |
| Average earning assets | $52,087,600 | 4,227 |
| Average equity | $6,720,600 | 4,078 |
| Average total loans | $39,812,200 | 3,998 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5684% | 941 |
| Cost of funding earning assets | 0.9184% | 3,228 |
| Net interest margin | 4.6500% | 493 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 3.2108% | 806 |
| Loan and lease loss provision to assets | 0.3600% | 243 |
| Net operating income to assets | 1.1555% | 1,912 |
| Return on assets (ROA) | 1.0904% | 2,070 |
| Pretax return on assets | 1.0904% | 2,592 |
| Return on Equity (ROE) | 9.0700% | 2,909 |
| Retained earnings to average equity (ytd only) | 5.5598% | 2,762 |
| Net charge-offs to loans | 0.4999% | 172 |
| Credit loss provision to net charge-offs | 101.3514% | 1,606 |
| Earnings coverage of net charge-offs (x) | 4.2500% | 2,406 |
| Efficiency ratio | 67.9082% | 2,029 |
| Assets per employee ($millions) | 3.9446% | 4,193 |
| Cash dividends to net income (ytd only)* | 38.7168% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7049% | 690 |
| Loan loss allowance to noncurrent loans | 337.8109% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4799% | 1,205 |
| Noncurrent loans to loans | 0.5047% | 1,554 |
| Net loans and leases to total assets | 70.8900% | 1,718 |
| Net loans and leases to deposits | 81.0333% | 1,969 |
| Net loans and leases to core deposits | 86.5187% | 2,157 |
| Total domestic deposits to total assets | 87.4800% | 1,746 |
| Equity capital to assets | 12.4545% | 932 |
| Core capital (leverage) ratio | 12.7453% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $55,269,750 | 4,275 |
| Average earning assets | $52,700,750 | 4,238 |
| Average equity | $6,642,750 | 4,087 |
| Average total loans | $39,477,500 | 4,017 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4025% | 954 |
| Cost of funding earning assets | 0.8320% | 3,124 |
| Net interest margin | 4.5704% | 563 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 3.0931% | 915 |
| Loan and lease loss provision to assets | 0.5400% | 133 |
| Net operating income to assets | 1.1287% | 2,038 |
| Return on assets (ROA) | 1.0310% | 2,314 |
| Pretax return on assets | 1.0310% | 2,828 |
| Return on Equity (ROE) | 8.6800% | 3,065 |
| Retained earnings to average equity (ytd only) | 3.3514% | 3,389 |
| Net charge-offs to loans | 0.7571% | 114 |
| Credit loss provision to net charge-offs | 100.6711% | 1,437 |
| Earnings coverage of net charge-offs (x) | 3.1007% | 2,277 |
| Efficiency ratio | 64.9203% | 2,386 |
| Assets per employee ($millions) | 3.8806% | 4,233 |
| Cash dividends to net income (ytd only)* | 61.4035% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 772 |
| Loan loss allowance to noncurrent loans | 301.3333% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 1,024 |
| Noncurrent loans to loans | 0.5598% | 1,339 |
| Net loans and leases to total assets | 72.7300% | 1,446 |
| Net loans and leases to deposits | 84.6759% | 1,610 |
| Net loans and leases to core deposits | 88.5686% | 1,888 |
| Total domestic deposits to total assets | 85.8900% | 2,268 |
| Equity capital to assets | 12.2973% | 972 |
| Core capital (leverage) ratio | 12.4706% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $55,284,667 | 4,297 |
| Average earning assets | $52,642,667 | 4,261 |
| Average equity | $6,564,333 | 4,123 |
| Average total loans | $39,361,000 | 4,028 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2269% | 916 |
| Cost of funding earning assets | 0.6854% | 3,100 |
| Net interest margin | 4.5415% | 550 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 3.1491% | 865 |
| Loan and lease loss provision to assets | 0.3600% | 227 |
| Net operating income to assets | 1.2410% | 1,821 |
| Return on assets (ROA) | 1.2123% | 1,860 |
| Pretax return on assets | 1.2123% | 2,397 |
| Return on Equity (ROE) | 10.3900% | 2,668 |
| Retained earnings to average equity (ytd only) | -0.3689% | 4,071 |
| Net charge-offs to loans | 0.5135% | 156 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 4.4600% | 1,853 |
| Efficiency ratio | 66.3142% | 2,177 |
| Assets per employee ($millions) | 3.9936% | 4,248 |
| Cash dividends to net income (ytd only)* | 103.5503% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7090% | 799 |
| Loan loss allowance to noncurrent loans | 162.7404% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.8585% | 540 |
| Noncurrent loans to loans | 1.0502% | 691 |
| Net loans and leases to total assets | 69.6400% | 1,664 |
| Net loans and leases to deposits | 81.4578% | 1,711 |
| Net loans and leases to core deposits | 83.2784% | 2,039 |
| Total domestic deposits to total assets | 85.4900% | 2,729 |
| Equity capital to assets | 11.6992% | 1,091 |
| Core capital (leverage) ratio | 11.9933% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $55,762,500 | 4,357 |
| Average earning assets | $53,110,000 | 4,314 |
| Average equity | $6,506,000 | 4,186 |
| Average total loans | $38,945,500 | 4,088 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8191% | 416 |
| Cost of funding earning assets | 0.3524% | 2,457 |
| Net interest margin | 4.4667% | 314 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 3.3264% | 604 |
| Loan and lease loss provision to assets | 0.4500% | 143 |
| Net operating income to assets | 0.8701% | 3,084 |
| Return on assets (ROA) | 0.8592% | 3,048 |
| Pretax return on assets | 0.8592% | 3,460 |
| Return on Equity (ROE) | 7.4200% | 3,538 |
| Retained earnings to average equity (ytd only) | 3.5067% | 3,561 |
| Net charge-offs to loans | 0.7966% | 86 |
| Credit loss provision to net charge-offs | 86.2069% | 1,651 |
| Earnings coverage of net charge-offs (x) | 2.5172% | 2,501 |
| Efficiency ratio | 71.5400% | 1,493 |
| Assets per employee ($millions) | 4.2781% | 4,152 |
| Cash dividends to net income (ytd only)* | 52.7426% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 699 |
| Loan loss allowance to noncurrent loans | 159.6698% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 512 |
| Noncurrent loans to loans | 1.1077% | 651 |
| Net loans and leases to total assets | 67.6100% | 1,872 |
| Net loans and leases to deposits | 77.5758% | 1,992 |
| Net loans and leases to core deposits | 79.2802% | 2,177 |
| Total domestic deposits to total assets | 87.1500% | 2,346 |
| Equity capital to assets | 11.6354% | 1,038 |
| Core capital (leverage) ratio | 11.7875% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $55,164,800 | 4,386 |
| Average earning assets | $52,499,600 | 4,347 |
| Average equity | $6,387,800 | 4,287 |
| Average total loans | $36,403,600 | 4,128 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 426 |
| Cost of funding earning assets | 0.2849% | 2,333 |
| Net interest margin | 4.3095% | 329 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 3.2090% | 683 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.0995% | 2,102 |
| Return on assets (ROA) | 1.0995% | 2,069 |
| Pretax return on assets | 1.0995% | 2,728 |
| Return on Equity (ROE) | 9.5100% | 2,870 |
| Retained earnings to average equity (ytd only) | 4.2719% | 3,355 |
| Net charge-offs to loans | 0.5565% | 116 |
| Credit loss provision to net charge-offs | 50.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 3.5267% | 2,206 |
| Efficiency ratio | 71.4671% | 1,594 |
| Assets per employee ($millions) | 4.0686% | 4,293 |
| Cash dividends to net income (ytd only)* | 55.0661% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 809 |
| Loan loss allowance to noncurrent loans | 108.9983% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.1464% | 378 |
| Noncurrent loans to loans | 1.6032% | 427 |
| Net loans and leases to total assets | 63.3700% | 2,155 |
| Net loans and leases to deposits | 71.4218% | 2,252 |
| Net loans and leases to core deposits | 72.5544% | 2,443 |
| Total domestic deposits to total assets | 88.7300% | 2,197 |
| Equity capital to assets | 11.2395% | 1,085 |
| Core capital (leverage) ratio | 11.7665% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $55,052,250 | 4,423 |
| Average earning assets | $52,410,500 | 4,382 |
| Average equity | $6,367,000 | 4,330 |
| Average total loans | $35,935,000 | 4,156 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 477 |
| Cost of funding earning assets | 0.2666% | 2,063 |
| Net interest margin | 4.0848% | 411 |
| Noninterest income to average assets | 0.3822% | 2,856 |
| Noninterest expense to average assets | 3.1902% | 640 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0769% | 1,870 |
| Return on assets (ROA) | 1.0769% | 1,847 |
| Pretax return on assets | 1.0769% | 2,492 |
| Return on Equity (ROE) | 9.2206% | 2,624 |
| Retained earnings to average equity (ytd only) | 1.3532% | 3,911 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7631% | 1,417 |
| Assets per employee ($millions) | 4.0167% | 4,363 |
| Cash dividends to net income (ytd only)* | 85.3242% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0107% | 542 |
| Loan loss allowance to noncurrent loans | 212.7596% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 754 |
| Noncurrent loans to loans | 0.9451% | 886 |
| Net loans and leases to total assets | 62.1368% | 2,115 |
| Net loans and leases to deposits | 70.0521% | 2,195 |
| Net loans and leases to core deposits | 71.1766% | 2,404 |
| Total domestic deposits to total assets | 88.7008% | 2,294 |
| Equity capital to assets | 11.2761% | 1,110 |
| Core capital (leverage) ratio | 11.7450% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,416,333 | 4,468 |
| Average earning assets | $51,753,333 | 4,442 |
| Average equity | $6,355,333 | 4,380 |
| Average total loans | $35,666,667 | 4,221 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 270 |
| Cost of funding earning assets | 0.2597% | 2,048 |
| Net interest margin | 4.3207% | 231 |
| Noninterest income to average assets | 0.3962% | 2,715 |
| Noninterest expense to average assets | 3.3192% | 521 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1811% | 1,295 |
| Return on assets (ROA) | 1.1811% | 1,293 |
| Pretax return on assets | 1.1811% | 1,873 |
| Return on Equity (ROE) | 9.9332% | 1,987 |
| Retained earnings to average equity (ytd only) | -5.7839% | 4,447 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7542% | 1,772 |
| Assets per employee ($millions) | 4.0129% | 4,394 |
| Cash dividends to net income (ytd only)* | 158.2278% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0401% | 579 |
| Loan loss allowance to noncurrent loans | 3,983.3333% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 2,774 |
| Noncurrent loans to loans | 0.0512% | 3,614 |
| Net loans and leases to total assets | 61.2805% | 1,935 |
| Net loans and leases to deposits | 68.9912% | 2,051 |
| Net loans and leases to core deposits | 70.0967% | 2,286 |
| Total domestic deposits to total assets | 88.8236% | 2,158 |
| Equity capital to assets | 11.1604% | 1,259 |
| Core capital (leverage) ratio | 11.7764% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,507,500 | 4,500 |
| Average earning assets | $50,825,000 | 4,476 |
| Average equity | $6,362,500 | 4,426 |
| Average total loans | $35,670,500 | 4,239 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 313 |
| Cost of funding earning assets | 0.3000% | 2,406 |
| Net interest margin | 4.5849% | 233 |
| Noninterest income to average assets | 0.4782% | 2,683 |
| Noninterest expense to average assets | 3.7312% | 378 |
| Loan and lease loss provision to assets | 0.0480% | 2,101 |
| Net operating income to assets | 1.0715% | 2,405 |
| Return on assets (ROA) | 1.0715% | 2,478 |
| Pretax return on assets | 1.0715% | 3,058 |
| Return on Equity (ROE) | 8.8882% | 2,955 |
| Retained earnings to average equity (ytd only) | 4.9060% | 2,820 |
| Net charge-offs to loans | 0.1069% | 824 |
| Credit loss provision to net charge-offs | 64.1026% | 2,045 |
| Earnings coverage of net charge-offs (x) | 14.9487% | 2,014 |
| Efficiency ratio | 76.9200% | 1,033 |
| Assets per employee ($millions) | 3.6310% | 4,557 |
| Cash dividends to net income (ytd only)* | 44.8029% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9809% | 623 |
| Loan loss allowance to noncurrent loans | 27.9097% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 5.1796% | 24 |
| Noncurrent loans to loans | 7.0975% | 34 |
| Net loans and leases to total assets | 69.7938% | 1,065 |
| Net loans and leases to deposits | 79.9833% | 1,215 |
| Net loans and leases to core deposits | 81.4261% | 1,496 |
| Total domestic deposits to total assets | 87.2605% | 2,409 |
| Equity capital to assets | 12.6982% | 995 |
| Core capital (leverage) ratio | 12.3361% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,074,800 | 4,541 |
| Average earning assets | $49,662,800 | 4,510 |
| Average equity | $6,278,000 | 4,505 |
| Average total loans | $36,476,000 | 4,261 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6230% | 544 |
| Cost of funding earning assets | 0.3036% | 2,562 |
| Net interest margin | 4.3194% | 433 |
| Noninterest income to average assets | 0.4556% | 2,816 |
| Noninterest expense to average assets | 3.4182% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1657% | 2,301 |
| Return on assets (ROA) | 1.1657% | 2,360 |
| Pretax return on assets | 1.1657% | 3,034 |
| Return on Equity (ROE) | 9.7959% | 2,809 |
| Retained earnings to average equity (ytd only) | 4.4488% | 3,426 |
| Net charge-offs to loans | -0.0547% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5697% | 1,166 |
| Assets per employee ($millions) | 3.7778% | 4,551 |
| Cash dividends to net income (ytd only)* | 54.5852% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0847% | 551 |
| Loan loss allowance to noncurrent loans | 29.4629% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 4.9084% | 32 |
| Noncurrent loans to loans | 7.0758% | 37 |
| Net loans and leases to total assets | 66.2482% | 1,510 |
| Net loans and leases to deposits | 75.3505% | 1,729 |
| Net loans and leases to core deposits | 76.6562% | 1,988 |
| Total domestic deposits to total assets | 87.9200% | 1,891 |
| Equity capital to assets | 12.0479% | 1,377 |
| Core capital (leverage) ratio | 11.8129% | 1,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,385,000 | 4,601 |
| Average earning assets | $50,067,000 | 4,570 |
| Average equity | $6,233,750 | 4,573 |
| Average total loans | $36,546,000 | 4,312 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7793% | 478 |
| Cost of funding earning assets | 0.3120% | 2,662 |
| Net interest margin | 4.4673% | 379 |
| Noninterest income to average assets | 0.4405% | 2,902 |
| Noninterest expense to average assets | 3.4280% | 513 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2908% | 1,896 |
| Return on assets (ROA) | 1.2908% | 1,968 |
| Pretax return on assets | 1.2908% | 2,659 |
| Return on Equity (ROE) | 10.8926% | 2,459 |
| Retained earnings to average equity (ytd only) | 2.8120% | 3,901 |
| Net charge-offs to loans | -0.0815% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6461% | 1,363 |
| Assets per employee ($millions) | 3.8055% | 4,546 |
| Cash dividends to net income (ytd only)* | 74.1840% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0339% | 572 |
| Loan loss allowance to noncurrent loans | 14,920.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 3,365 |
| Noncurrent loans to loans | 0.0136% | 4,171 |
| Net loans and leases to total assets | 67.4456% | 1,522 |
| Net loans and leases to deposits | 76.4451% | 1,774 |
| Net loans and leases to core deposits | 77.7518% | 2,068 |
| Total domestic deposits to total assets | 88.2276% | 1,706 |
| Equity capital to assets | 11.7443% | 1,491 |
| Core capital (leverage) ratio | 11.5966% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,217,000 | 4,632 |
| Average earning assets | $50,007,667 | 4,598 |
| Average equity | $6,187,667 | 4,604 |
| Average total loans | $36,800,000 | 4,339 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 486 |
| Cost of funding earning assets | 0.3153% | 2,834 |
| Net interest margin | 4.4869% | 365 |
| Noninterest income to average assets | 0.5417% | 2,432 |
| Noninterest expense to average assets | 3.3819% | 537 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4549% | 1,431 |
| Return on assets (ROA) | 1.4549% | 1,500 |
| Pretax return on assets | 1.4549% | 2,121 |
| Return on Equity (ROE) | 12.2217% | 1,934 |
| Retained earnings to average equity (ytd only) | -4.0306% | 4,657 |
| Net charge-offs to loans | -0.0109% | 3,702 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9200% | 1,713 |
| Assets per employee ($millions) | 3.8789% | 4,548 |
| Cash dividends to net income (ytd only)* | 132.9787% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9525% | 657 |
| Loan loss allowance to noncurrent loans | 615.1261% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 3,050 |
| Noncurrent loans to loans | 0.3174% | 2,960 |
| Net loans and leases to total assets | 67.6899% | 1,568 |
| Net loans and leases to deposits | 76.2999% | 1,879 |
| Net loans and leases to core deposits | 77.5686% | 2,222 |
| Total domestic deposits to total assets | 88.7156% | 1,492 |
| Equity capital to assets | 11.2642% | 1,676 |
| Core capital (leverage) ratio | 11.7700% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,687,000 | 4,658 |
| Average earning assets | $49,477,000 | 4,628 |
| Average equity | $6,153,000 | 4,630 |
| Average total loans | $36,860,500 | 4,361 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0396% | 453 |
| Cost of funding earning assets | 0.5031% | 2,930 |
| Net interest margin | 4.5365% | 307 |
| Noninterest income to average assets | 0.4577% | 2,831 |
| Noninterest expense to average assets | 3.4668% | 731 |
| Loan and lease loss provision to assets | 0.2053% | 1,916 |
| Net operating income to assets | 1.0981% | 1,933 |
| Return on assets (ROA) | 1.0981% | 2,052 |
| Pretax return on assets | 1.0981% | 2,698 |
| Return on Equity (ROE) | 8.9474% | 2,416 |
| Retained earnings to average equity (ytd only) | 5.6026% | 1,994 |
| Net charge-offs to loans | 0.2636% | 657 |
| Credit loss provision to net charge-offs | 106.3830% | 2,757 |
| Earnings coverage of net charge-offs (x) | 6.7553% | 2,751 |
| Efficiency ratio | 72.6764% | 1,608 |
| Assets per employee ($millions) | 3.5049% | 4,647 |
| Cash dividends to net income (ytd only)* | 37.3832% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0177% | 564 |
| Loan loss allowance to noncurrent loans | 497.2789% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 2,805 |
| Noncurrent loans to loans | 0.4057% | 2,763 |
| Net loans and leases to total assets | 72.3451% | 1,251 |
| Net loans and leases to deposits | 82.8390% | 1,568 |
| Net loans and leases to core deposits | 84.3848% | 2,005 |
| Total domestic deposits to total assets | 87.3321% | 1,776 |
| Equity capital to assets | 12.6129% | 1,267 |
| Core capital (leverage) ratio | 12.0665% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,719,000 | 4,673 |
| Average earning assets | $46,312,800 | 4,646 |
| Average equity | $5,979,400 | 4,648 |
| Average total loans | $35,654,000 | 4,393 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0833% | 518 |
| Cost of funding earning assets | 0.5398% | 2,995 |
| Net interest margin | 4.5435% | 345 |
| Noninterest income to average assets | 0.4524% | 2,837 |
| Noninterest expense to average assets | 3.2790% | 938 |
| Loan and lease loss provision to assets | 0.2735% | 1,472 |
| Net operating income to assets | 1.2145% | 1,599 |
| Return on assets (ROA) | 1.2145% | 1,720 |
| Pretax return on assets | 1.2145% | 2,347 |
| Return on Equity (ROE) | 9.9654% | 2,029 |
| Retained earnings to average equity (ytd only) | 5.4664% | 2,339 |
| Net charge-offs to loans | 0.1877% | 797 |
| Credit loss provision to net charge-offs | 200.0000% | 2,110 |
| Earnings coverage of net charge-offs (x) | 10.8600% | 2,332 |
| Efficiency ratio | 68.7752% | 2,074 |
| Assets per employee ($millions) | 3.5953% | 4,616 |
| Cash dividends to net income (ytd only)* | 45.1467% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1474% | 384 |
| Loan loss allowance to noncurrent loans | 2,583.3333% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 4,144 |
| Noncurrent loans to loans | 0.0831% | 4,035 |
| Net loans and leases to total assets | 70.1613% | 1,920 |
| Net loans and leases to deposits | 79.8873% | 2,328 |
| Net loans and leases to core deposits | 81.3279% | 2,723 |
| Total domestic deposits to total assets | 87.8253% | 1,296 |
| Equity capital to assets | 12.1250% | 1,615 |
| Core capital (leverage) ratio | 12.0032% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,631,500 | 4,694 |
| Average earning assets | $46,189,500 | 4,666 |
| Average equity | $5,927,000 | 4,674 |
| Average total loans | $35,510,000 | 4,425 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2961% | 484 |
| Cost of funding earning assets | 0.5899% | 3,018 |
| Net interest margin | 4.7062% | 335 |
| Noninterest income to average assets | 0.5534% | 2,338 |
| Noninterest expense to average assets | 3.3164% | 965 |
| Loan and lease loss provision to assets | 0.4161% | 954 |
| Net operating income to assets | 1.2691% | 1,438 |
| Return on assets (ROA) | 1.2691% | 1,560 |
| Pretax return on assets | 1.2691% | 2,134 |
| Return on Equity (ROE) | 10.3948% | 1,850 |
| Retained earnings to average equity (ytd only) | 3.5785% | 3,140 |
| Net charge-offs to loans | 0.2832% | 562 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 8.1000% | 2,318 |
| Efficiency ratio | 66.3062% | 2,469 |
| Assets per employee ($millions) | 3.5943% | 4,604 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1495% | 360 |
| Loan loss allowance to noncurrent loans | 2,279.4118% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 4,189 |
| Noncurrent loans to loans | 0.0943% | 4,086 |
| Net loans and leases to total assets | 70.1113% | 2,011 |
| Net loans and leases to deposits | 79.5760% | 2,476 |
| Net loans and leases to core deposits | 81.0010% | 2,868 |
| Total domestic deposits to total assets | 88.1061% | 1,124 |
| Equity capital to assets | 11.8462% | 1,758 |
| Core capital (leverage) ratio | 12.1195% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,064,000 | 4,718 |
| Average earning assets | $45,429,333 | 4,695 |
| Average equity | $5,868,333 | 4,701 |
| Average total loans | $35,316,667 | 4,444 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5617% | 325 |
| Cost of funding earning assets | 0.6681% | 3,068 |
| Net interest margin | 4.8936% | 235 |
| Noninterest income to average assets | 0.4602% | 2,745 |
| Noninterest expense to average assets | 3.3578% | 1,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7215% | 493 |
| Return on assets (ROA) | 1.7215% | 542 |
| Pretax return on assets | 1.7215% | 828 |
| Return on Equity (ROE) | 13.8784% | 719 |
| Retained earnings to average equity (ytd only) | 0.1374% | 3,961 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1074% | 2,946 |
| Assets per employee ($millions) | 3.3462% | 4,601 |
| Cash dividends to net income (ytd only)* | 99.0099% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0662% | 458 |
| Loan loss allowance to noncurrent loans | 303.3473% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 2,465 |
| Noncurrent loans to loans | 0.6811% | 2,292 |
| Net loans and leases to total assets | 73.3537% | 1,719 |
| Net loans and leases to deposits | 85.6723% | 2,040 |
| Net loans and leases to core deposits | 87.3624% | 2,572 |
| Total domestic deposits to total assets | 85.6213% | 2,159 |
| Equity capital to assets | 12.4085% | 1,790 |
| Core capital (leverage) ratio | 12.2170% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,936,000 | 4,758 |
| Average earning assets | $44,303,000 | 4,734 |
| Average equity | $5,822,000 | 4,746 |
| Average total loans | $34,947,500 | 4,473 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7340% | 375 |
| Cost of funding earning assets | 0.7411% | 2,964 |
| Net interest margin | 4.9929% | 279 |
| Noninterest income to average assets | 0.5388% | 2,537 |
| Noninterest expense to average assets | 3.8132% | 659 |
| Loan and lease loss provision to assets | 0.0666% | 2,686 |
| Net operating income to assets | 1.3959% | 1,353 |
| Return on assets (ROA) | 1.3730% | 1,511 |
| Pretax return on assets | 1.3730% | 2,258 |
| Return on Equity (ROE) | 11.6501% | 1,641 |
| Retained earnings to average equity (ytd only) | 5.0307% | 2,395 |
| Net charge-offs to loans | -0.2645% | 5,078 |
| Credit loss provision to net charge-offs | -35.1648% | 4,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2792% | 1,832 |
| Assets per employee ($millions) | 3.6173% | 4,357 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0830% | 401 |
| Loan loss allowance to noncurrent loans | 599.1736% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 3,405 |
| Noncurrent loans to loans | 0.3476% | 3,203 |
| Net loans and leases to total assets | 72.4742% | 2,016 |
| Net loans and leases to deposits | 82.8093% | 2,469 |
| Net loans and leases to core deposits | 84.3944% | 2,912 |
| Total domestic deposits to total assets | 87.5194% | 1,357 |
| Equity capital to assets | 12.3998% | 1,886 |
| Core capital (leverage) ratio | 11.0876% | 2,418 |
| Tier 1 risk-based capital ratio | 19.5117% | 1,411 |
| Total risk-based capital ratio | 20.7778% | 1,369 |
| Memoranda: | ||
| Average total assets | $48,070,000 | 4,784 |
| Average earning assets | $45,605,200 | 4,756 |
| Average equity | $5,665,200 | 4,802 |
| Average total loans | $34,402,200 | 4,548 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6014% | 494 |
| Cost of funding earning assets | 0.7244% | 3,099 |
| Net interest margin | 4.8769% | 360 |
| Noninterest income to average assets | 0.5876% | 2,274 |
| Noninterest expense to average assets | 3.3876% | 1,120 |
| Loan and lease loss provision to assets | 0.0883% | 2,139 |
| Net operating income to assets | 1.7545% | 676 |
| Return on assets (ROA) | 1.7242% | 749 |
| Pretax return on assets | 1.7242% | 1,264 |
| Return on Equity (ROE) | 14.8177% | 819 |
| Retained earnings to average equity (ytd only) | 5.9272% | 2,406 |
| Net charge-offs to loans | -0.3032% | 5,155 |
| Credit loss provision to net charge-offs | -41.0256% | 4,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7679% | 2,898 |
| Assets per employee ($millions) | 3.4293% | 4,572 |
| Cash dividends to net income (ytd only)* | 60.0005% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1199% | 381 |
| Loan loss allowance to noncurrent loans | 354.2289% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 2,834 |
| Noncurrent loans to loans | 0.5985% | 2,486 |
| Net loans and leases to total assets | 68.4732% | 2,716 |
| Net loans and leases to deposits | 77.9393% | 3,097 |
| Net loans and leases to core deposits | 78.9102% | 3,476 |
| Total domestic deposits to total assets | 87.8546% | 1,098 |
| Equity capital to assets | 12.0725% | 2,200 |
| Core capital (leverage) ratio | 11.8766% | 1,941 |
| Tier 1 risk-based capital ratio | 18.9239% | 1,580 |
| Total risk-based capital ratio | 20.1887% | 1,551 |
| Memoranda: | ||
| Average total assets | $48,331,250 | 4,845 |
| Average earning assets | $46,011,500 | 4,815 |
| Average equity | $5,623,750 | 4,874 |
| Average total loans | $34,301,250 | 4,611 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5752% | 492 |
| Cost of funding earning assets | 0.7029% | 3,161 |
| Net interest margin | 4.8723% | 358 |
| Noninterest income to average assets | 0.5946% | 2,176 |
| Noninterest expense to average assets | 3.3321% | 1,227 |
| Loan and lease loss provision to assets | 0.1321% | 1,416 |
| Net operating income to assets | 1.7672% | 638 |
| Return on assets (ROA) | 1.7218% | 724 |
| Pretax return on assets | 1.7218% | 1,233 |
| Return on Equity (ROE) | 14.9829% | 764 |
| Retained earnings to average equity (ytd only) | 6.8986% | 1,855 |
| Net charge-offs to loans | 0.1853% | 892 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 14.3750% | 2,041 |
| Efficiency ratio | 63.6938% | 3,182 |
| Assets per employee ($millions) | 3.5106% | 4,491 |
| Cash dividends to net income (ytd only)* | 53.9568% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7766% | 711 |
| Loan loss allowance to noncurrent loans | 2,006.6667% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 4,446 |
| Noncurrent loans to loans | 0.0885% | 4,286 |
| Net loans and leases to total assets | 67.7165% | 2,858 |
| Net loans and leases to deposits | 76.7061% | 3,270 |
| Net loans and leases to core deposits | 77.6329% | 3,605 |
| Total domestic deposits to total assets | 88.2805% | 976 |
| Equity capital to assets | 11.6625% | 2,477 |
| Core capital (leverage) ratio | 12.0638% | 1,790 |
| Tier 1 risk-based capital ratio | 18.5354% | 1,656 |
| Total risk-based capital ratio | 19.7932% | 1,620 |
| Memoranda: | ||
| Average total assets | $48,438,330 | 4,880 |
| Average earning assets | $46,097,330 | 4,851 |
| Average equity | $5,566,330 | 4,910 |
| Average total loans | $34,539,670 | 4,641 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5924% | 435 |
| Cost of funding earning assets | 0.7067% | 3,017 |
| Net interest margin | 4.8857% | 345 |
| Noninterest income to average assets | 0.6988% | 1,619 |
| Noninterest expense to average assets | 3.4940% | 970 |
| Loan and lease loss provision to assets | 0.2662% | 525 |
| Net operating income to assets | 1.5972% | 903 |
| Return on assets (ROA) | 1.5057% | 1,129 |
| Pretax return on assets | 1.5057% | 1,745 |
| Return on Equity (ROE) | 13.2032% | 1,155 |
| Retained earnings to average equity (ytd only) | -3.2096% | 4,826 |
| Net charge-offs to loans | 0.3786% | 411 |
| Credit loss provision to net charge-offs | 96.9697% | 1,652 |
| Earnings coverage of net charge-offs (x) | 6.7879% | 2,173 |
| Efficiency ratio | 65.2174% | 3,055 |
| Assets per employee ($millions) | 3.4026% | 4,655 |
| Cash dividends to net income (ytd only)* | 124.3094% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7037% | 853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 72.7922% | 2,026 |
| Net loans and leases to deposits | 82.2935% | 2,584 |
| Net loans and leases to core deposits | 83.3137% | 3,081 |
| Total domestic deposits to total assets | 88.4544% | 1,105 |
| Equity capital to assets | 11.4911% | 2,408 |
| Core capital (leverage) ratio | 11.4261% | 2,191 |
| Tier 1 risk-based capital ratio | 17.2799% | 2,023 |
| Total risk-based capital ratio | 18.5378% | 1,960 |
| Memoranda: | ||
| Average total assets | $48,083,000 | 4,935 |
| Average earning assets | $45,848,000 | 4,903 |
| Average equity | $5,483,500 | 4,964 |
| Average total loans | $34,867,500 | 4,672 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9464% | 1,166 |
| Cost of funding earning assets | 0.4699% | 3,551 |
| Net interest margin | 4.4764% | 801 |
| Noninterest income to average assets | 0.6146% | 2,221 |
| Noninterest expense to average assets | 3.3282% | 1,261 |
| Loan and lease loss provision to assets | 0.4832% | 247 |
| Net operating income to assets | 1.0746% | 2,699 |
| Return on assets (ROA) | 1.0707% | 2,697 |
| Pretax return on assets | 1.0707% | 3,371 |
| Return on Equity (ROE) | 10.5064% | 2,279 |
| Retained earnings to average equity (ytd only) | 6.7134% | 1,808 |
| Net charge-offs to loans | 0.7884% | 194 |
| Credit loss provision to net charge-offs | 99.6016% | 2,572 |
| Earnings coverage of net charge-offs (x) | 3.2112% | 3,437 |
| Efficiency ratio | 68.1171% | 2,521 |
| Assets per employee ($millions) | 3.4664% | 4,581 |
| Cash dividends to net income (ytd only)* | 36.1011% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7471% | 759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 69.7645% | 2,600 |
| Net loans and leases to deposits | 81.5689% | 2,787 |
| Net loans and leases to core deposits | 82.5917% | 3,213 |
| Total domestic deposits to total assets | 85.5282% | 2,427 |
| Equity capital to assets | 11.3190% | 2,397 |
| Core capital (leverage) ratio | 11.1277% | 2,418 |
| Tier 1 risk-based capital ratio | 17.7519% | 1,828 |
| Total risk-based capital ratio | 19.0112% | 1,778 |
| Memoranda: | ||
| Average total assets | $51,740,200 | 4,902 |
| Average earning assets | $49,369,600 | 4,868 |
| Average equity | $5,273,000 | 5,007 |
| Average total loans | $31,836,800 | 4,773 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 1,470 |
| Cost of funding earning assets | 0.4206% | 3,722 |
| Net interest margin | 4.3632% | 983 |
| Noninterest income to average assets | 0.6268% | 2,180 |
| Noninterest expense to average assets | 3.0095% | 1,995 |
| Loan and lease loss provision to assets | 0.5075% | 219 |
| Net operating income to assets | 1.2688% | 1,968 |
| Return on assets (ROA) | 1.2764% | 1,950 |
| Pretax return on assets | 1.2764% | 2,704 |
| Return on Equity (ROE) | 12.8526% | 1,485 |
| Retained earnings to average equity (ytd only) | 7.7422% | 1,774 |
| Net charge-offs to loans | 0.7269% | 194 |
| Credit loss provision to net charge-offs | 117.6471% | 2,010 |
| Earnings coverage of net charge-offs (x) | 4.1177% | 3,098 |
| Efficiency ratio | 62.8844% | 3,357 |
| Assets per employee ($millions) | 3.5896% | 4,448 |
| Cash dividends to net income (ytd only)* | 39.7614% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9309% | 558 |
| Loan loss allowance to noncurrent loans | 408.3871% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 3,460 |
| Noncurrent loans to loans | 0.4728% | 2,968 |
| Net loans and leases to total assets | 63.9737% | 3,429 |
| Net loans and leases to deposits | 71.7458% | 3,793 |
| Net loans and leases to core deposits | 72.1677% | 4,072 |
| Total domestic deposits to total assets | 89.1672% | 788 |
| Equity capital to assets | 10.7870% | 2,856 |
| Core capital (leverage) ratio | 10.5076% | 3,077 |
| Tier 1 risk-based capital ratio | 18.0277% | 1,784 |
| Total risk-based capital ratio | 19.2888% | 1,736 |
| Memoranda: | ||
| Average total assets | $52,543,000 | 4,947 |
| Average earning assets | $50,084,500 | 4,907 |
| Average equity | $5,218,000 | 5,074 |
| Average total loans | $31,181,500 | 4,839 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6024% | 1,779 |
| Cost of funding earning assets | 0.3944% | 3,762 |
| Net interest margin | 4.2080% | 1,271 |
| Noninterest income to average assets | 0.5590% | 2,526 |
| Noninterest expense to average assets | 2.9640% | 2,155 |
| Loan and lease loss provision to assets | 0.2814% | 507 |
| Net operating income to assets | 1.3169% | 1,708 |
| Return on assets (ROA) | 1.3282% | 1,672 |
| Pretax return on assets | 1.3282% | 2,401 |
| Return on Equity (ROE) | 13.7467% | 1,145 |
| Retained earnings to average equity (ytd only) | 5.9802% | 2,575 |
| Net charge-offs to loans | 0.3589% | 439 |
| Credit loss provision to net charge-offs | 136.3636% | 1,672 |
| Earnings coverage of net charge-offs (x) | 7.7455% | 2,529 |
| Efficiency ratio | 64.9671% | 3,162 |
| Assets per employee ($millions) | 3.8144% | 4,186 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0077% | 513 |
| Loan loss allowance to noncurrent loans | 255.3279% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 2,902 |
| Noncurrent loans to loans | 0.7863% | 2,155 |
| Net loans and leases to total assets | 56.9398% | 4,087 |
| Net loans and leases to deposits | 63.2096% | 4,339 |
| Net loans and leases to core deposits | 63.5545% | 4,520 |
| Total domestic deposits to total assets | 90.0809% | 545 |
| Equity capital to assets | 9.8835% | 3,734 |
| Core capital (leverage) ratio | 10.1954% | 3,363 |
| Tier 1 risk-based capital ratio | 18.0383% | 1,787 |
| Total risk-based capital ratio | 19.2982% | 1,751 |
| Memoranda: | ||
| Average total assets | $53,305,670 | 4,996 |
| Average earning assets | $50,712,670 | 4,956 |
| Average equity | $5,150,330 | 5,141 |
| Average total loans | $30,647,670 | 4,908 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 2,022 |
| Cost of funding earning assets | 0.3715% | 3,817 |
| Net interest margin | 4.0782% | 1,496 |
| Noninterest income to average assets | 0.5558% | 2,492 |
| Noninterest expense to average assets | 3.0869% | 1,861 |
| Loan and lease loss provision to assets | 0.1878% | 903 |
| Net operating income to assets | 1.1566% | 2,188 |
| Return on assets (ROA) | 1.1566% | 2,202 |
| Pretax return on assets | 1.1566% | 2,951 |
| Return on Equity (ROE) | 12.1105% | 1,543 |
| Retained earnings to average equity (ytd only) | -3.6174% | 5,124 |
| Net charge-offs to loans | 0.3283% | 466 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 7.1600% | 2,113 |
| Efficiency ratio | 69.6610% | 2,536 |
| Assets per employee ($millions) | 3.8186% | 4,263 |
| Cash dividends to net income (ytd only)* | 129.8701% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9518% | 601 |
| Loan loss allowance to noncurrent loans | 297.0443% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.3797% | 3,311 |
| Noncurrent loans to loans | 0.6571% | 2,578 |
| Net loans and leases to total assets | 56.6619% | 4,062 |
| Net loans and leases to deposits | 62.6036% | 4,293 |
| Net loans and leases to core deposits | 62.9418% | 4,498 |
| Total domestic deposits to total assets | 90.5090% | 472 |
| Equity capital to assets | 9.4667% | 4,121 |
| Core capital (leverage) ratio | 9.6380% | 3,919 |
| Tier 1 risk-based capital ratio | 16.8613% | 2,155 |
| Total risk-based capital ratio | 18.1214% | 2,103 |
| Memoranda: | ||
| Average total assets | $53,257,500 | 5,053 |
| Average earning assets | $50,610,000 | 5,015 |
| Average equity | $5,086,500 | 5,204 |
| Average total loans | $30,456,500 | 4,965 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4426% | 1,911 |
| Cost of funding earning assets | 0.3397% | 3,801 |
| Net interest margin | 4.1028% | 1,421 |
| Noninterest income to average assets | 0.6048% | 2,424 |
| Noninterest expense to average assets | 3.1663% | 1,688 |
| Loan and lease loss provision to assets | 0.4835% | 275 |
| Net operating income to assets | 0.8703% | 2,863 |
| Return on assets (ROA) | 0.8703% | 2,885 |
| Pretax return on assets | 0.8703% | 4,014 |
| Return on Equity (ROE) | 9.2518% | 2,192 |
| Retained earnings to average equity (ytd only) | 8.6471% | 574 |
| Net charge-offs to loans | 0.9079% | 212 |
| Credit loss provision to net charge-offs | 98.8372% | 2,630 |
| Earnings coverage of net charge-offs (x) | 2.7674% | 3,706 |
| Efficiency ratio | 70.0503% | 2,537 |
| Assets per employee ($millions) | 3.7896% | 4,295 |
| Cash dividends to net income (ytd only)* | 6.5359% | 4,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0088% | 531 |
| Loan loss allowance to noncurrent loans | 225.0000% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 2,875 |
| Noncurrent loans to loans | 0.8928% | 1,990 |
| Net loans and leases to total assets | 55.4435% | 4,235 |
| Net loans and leases to deposits | 61.3823% | 4,488 |
| Net loans and leases to core deposits | 61.7171% | 4,675 |
| Total domestic deposits to total assets | 90.3250% | 458 |
| Equity capital to assets | 9.6355% | 4,105 |
| Core capital (leverage) ratio | 9.9018% | 3,577 |
| Tier 1 risk-based capital ratio | 17.8828% | 1,832 |
| Total risk-based capital ratio | 19.1417% | 1,778 |
| Memoranda: | ||
| Average total assets | $52,743,200 | 5,106 |
| Average earning assets | $50,331,200 | 5,055 |
| Average equity | $4,961,200 | 5,277 |
| Average total loans | $28,418,000 | 5,059 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 2,315 |
| Cost of funding earning assets | 0.3471% | 3,699 |
| Net interest margin | 3.9351% | 1,914 |
| Noninterest income to average assets | 0.6127% | 2,406 |
| Noninterest expense to average assets | 3.0835% | 1,848 |
| Loan and lease loss provision to assets | 0.1266% | 1,710 |
| Net operating income to assets | 1.1620% | 1,836 |
| Return on assets (ROA) | 1.1620% | 1,882 |
| Pretax return on assets | 1.1620% | 3,057 |
| Return on Equity (ROE) | 12.4298% | 1,206 |
| Retained earnings to average equity (ytd only) | 11.6175% | 329 |
| Net charge-offs to loans | 0.4521% | 459 |
| Credit loss provision to net charge-offs | 52.6316% | 2,881 |
| Earnings coverage of net charge-offs (x) | 5.3580% | 3,118 |
| Efficiency ratio | 70.5269% | 2,449 |
| Assets per employee ($millions) | 3.7836% | 4,324 |
| Cash dividends to net income (ytd only)* | 6.5362% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9670% | 605 |
| Loan loss allowance to noncurrent loans | 132.3113% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.8004% | 2,142 |
| Noncurrent loans to loans | 1.4866% | 1,257 |
| Net loans and leases to total assets | 52.7836% | 4,514 |
| Net loans and leases to deposits | 58.5023% | 4,720 |
| Net loans and leases to core deposits | 59.2662% | 4,852 |
| Total domestic deposits to total assets | 90.2248% | 402 |
| Equity capital to assets | 9.7412% | 4,207 |
| Core capital (leverage) ratio | 9.9040% | 3,689 |
| Tier 1 risk-based capital ratio | 18.4540% | 1,743 |
| Total risk-based capital ratio | 19.7138% | 1,693 |
| Memoranda: | ||
| Average total assets | $52,665,500 | 5,162 |
| Average earning assets | $50,315,000 | 5,114 |
| Average equity | $4,923,500 | 5,341 |
| Average total loans | $28,018,000 | 5,122 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0825% | 2,885 |
| Cost of funding earning assets | 0.3511% | 3,570 |
| Net interest margin | 3.7315% | 2,539 |
| Noninterest income to average assets | 0.5365% | 2,785 |
| Noninterest expense to average assets | 3.0591% | 1,942 |
| Loan and lease loss provision to assets | 0.0951% | 2,087 |
| Net operating income to assets | 0.9817% | 2,522 |
| Return on assets (ROA) | 0.9817% | 2,566 |
| Pretax return on assets | 0.9817% | 3,630 |
| Return on Equity (ROE) | 10.6509% | 1,781 |
| Retained earnings to average equity (ytd only) | 9.4124% | 727 |
| Net charge-offs to loans | 0.3232% | 633 |
| Credit loss provision to net charge-offs | 55.5556% | 2,497 |
| Earnings coverage of net charge-offs (x) | 6.2889% | 2,724 |
| Efficiency ratio | 73.9650% | 2,023 |
| Assets per employee ($millions) | 3.7851% | 4,302 |
| Cash dividends to net income (ytd only)* | 11.6279% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1135% | 498 |
| Loan loss allowance to noncurrent loans | 281.7308% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 3,504 |
| Noncurrent loans to loans | 0.7502% | 2,516 |
| Net loans and leases to total assets | 51.2162% | 4,631 |
| Net loans and leases to deposits | 56.5169% | 4,835 |
| Net loans and leases to core deposits | 57.2489% | 4,939 |
| Total domestic deposits to total assets | 90.6210% | 317 |
| Equity capital to assets | 9.3488% | 4,567 |
| Core capital (leverage) ratio | 9.3883% | 4,243 |
| Tier 1 risk-based capital ratio | 17.6154% | 1,967 |
| Total risk-based capital ratio | 18.8772% | 1,921 |
| Memoranda: | ||
| Average total assets | $52,563,670 | 5,198 |
| Average earning assets | $50,704,000 | 5,145 |
| Average equity | $4,844,670 | 5,395 |
| Average total loans | $27,850,330 | 5,169 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 2,737 |
| Cost of funding earning assets | 0.3650% | 3,365 |
| Net interest margin | 3.7132% | 2,445 |
| Noninterest income to average assets | 0.5807% | 2,501 |
| Noninterest expense to average assets | 3.0564% | 1,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1003% | 1,869 |
| Return on assets (ROA) | 1.1003% | 1,911 |
| Pretax return on assets | 1.1003% | 2,983 |
| Return on Equity (ROE) | 12.0251% | 1,230 |
| Retained earnings to average equity (ytd only) | 9.5198% | 919 |
| Net charge-offs to loans | 0.6449% | 278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.2000% | 2,504 |
| Efficiency ratio | 73.5294% | 2,314 |
| Assets per employee ($millions) | 4.0021% | 4,007 |
| Cash dividends to net income (ytd only)* | 20.8333% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0051% | 663 |
| Loan loss allowance to noncurrent loans | 258.5253% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 3,514 |
| Noncurrent loans to loans | 0.7756% | 2,527 |
| Net loans and leases to total assets | 52.6996% | 4,453 |
| Net loans and leases to deposits | 58.1136% | 4,689 |
| Net loans and leases to core deposits | 58.8786% | 4,833 |
| Total domestic deposits to total assets | 90.6837% | 398 |
| Equity capital to assets | 9.2933% | 4,523 |
| Core capital (leverage) ratio | 9.0044% | 4,734 |
| Tier 1 risk-based capital ratio | 16.3502% | 2,413 |
| Total risk-based capital ratio | 17.6094% | 2,355 |
| Memoranda: | ||
| Average total assets | $52,350,000 | 5,261 |
| Average earning assets | $50,415,000 | 5,201 |
| Average equity | $4,790,000 | 5,459 |
| Average total loans | $27,912,500 | 5,221 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 3,876 |
| Cost of funding earning assets | 0.3876% | 3,129 |
| Net interest margin | 3.4213% | 3,747 |
| Noninterest income to average assets | 0.6389% | 2,461 |
| Noninterest expense to average assets | 3.1189% | 1,975 |
| Loan and lease loss provision to assets | 0.6143% | 211 |
| Net operating income to assets | 0.1928% | 5,432 |
| Return on assets (ROA) | 0.1928% | 5,479 |
| Pretax return on assets | 0.1928% | 5,504 |
| Return on Equity (ROE) | 2.1099% | 5,382 |
| Retained earnings to average equity (ytd only) | 2.1099% | 4,335 |
| Net charge-offs to loans | 1.2601% | 131 |
| Credit loss provision to net charge-offs | 96.4392% | 2,670 |
| Earnings coverage of net charge-offs (x) | 1.2671% | 4,012 |
| Efficiency ratio | 79.4415% | 1,487 |
| Assets per employee ($millions) | 3.7624% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1763% | 482 |
| Loan loss allowance to noncurrent loans | 67.4833% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.7049% | 903 |
| Noncurrent loans to loans | 3.2249% | 392 |
| Net loans and leases to total assets | 51.7153% | 4,635 |
| Net loans and leases to deposits | 56.8602% | 4,863 |
| Net loans and leases to core deposits | 58.4612% | 4,935 |
| Total domestic deposits to total assets | 90.9517% | 293 |
| Equity capital to assets | 9.0084% | 4,817 |
| Core capital (leverage) ratio | 8.5323% | 5,232 |
| Tier 1 risk-based capital ratio | 16.3439% | 2,407 |
| Total risk-based capital ratio | 17.6030% | 2,340 |
| Memoranda: | ||
| Average total assets | $52,903,600 | 5,289 |
| Average earning assets | $50,829,000 | 5,233 |
| Average equity | $4,834,400 | 5,491 |
| Average total loans | $26,744,400 | 5,300 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7496% | 4,081 |
| Cost of funding earning assets | 0.3855% | 3,169 |
| Net interest margin | 3.3642% | 3,975 |
| Noninterest income to average assets | 0.6067% | 2,629 |
| Noninterest expense to average assets | 3.0411% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7955% | 3,386 |
| Return on assets (ROA) | 0.7955% | 3,528 |
| Pretax return on assets | 0.7955% | 4,322 |
| Return on Equity (ROE) | 8.6749% | 2,679 |
| Retained earnings to average equity (ytd only) | 8.6749% | 920 |
| Net charge-offs to loans | -0.0554% | 5,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2651% | 1,525 |
| Assets per employee ($millions) | 3.9211% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4302% | 359 |
| Loan loss allowance to noncurrent loans | 49.4108% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 2.3189% | 614 |
| Noncurrent loans to loans | 4.9183% | 172 |
| Net loans and leases to total assets | 46.0034% | 5,096 |
| Net loans and leases to deposits | 50.6244% | 5,270 |
| Net loans and leases to core deposits | 51.1463% | 5,347 |
| Total domestic deposits to total assets | 90.8718% | 220 |
| Equity capital to assets | 9.0954% | 5,078 |
| Core capital (leverage) ratio | 9.3807% | 4,354 |
| Tier 1 risk-based capital ratio | 17.1926% | 2,170 |
| Total risk-based capital ratio | 18.4533% | 2,122 |
| Memoranda: | ||
| Average total assets | $52,961,250 | 5,344 |
| Average earning assets | $50,848,000 | 5,279 |
| Average equity | $4,856,750 | 5,547 |
| Average total loans | $26,469,000 | 5,362 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8270% | 3,859 |
| Cost of funding earning assets | 0.3943% | 3,107 |
| Net interest margin | 3.4328% | 3,751 |
| Noninterest income to average assets | 0.6384% | 2,427 |
| Noninterest expense to average assets | 2.9933% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9404% | 2,674 |
| Return on assets (ROA) | 0.9404% | 2,816 |
| Pretax return on assets | 0.9404% | 3,803 |
| Return on Equity (ROE) | 10.2259% | 1,957 |
| Retained earnings to average equity (ytd only) | 10.2259% | 558 |
| Net charge-offs to loans | -0.0600% | 5,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0933% | 2,065 |
| Assets per employee ($millions) | 3.9979% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5004% | 361 |
| Loan loss allowance to noncurrent loans | 49.4471% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 2.4359% | 586 |
| Noncurrent loans to loans | 5.0567% | 168 |
| Net loans and leases to total assets | 46.9667% | 5,069 |
| Net loans and leases to deposits | 51.9229% | 5,250 |
| Net loans and leases to core deposits | 52.4901% | 5,346 |
| Total domestic deposits to total assets | 90.4547% | 329 |
| Equity capital to assets | 9.5126% | 4,760 |
| Core capital (leverage) ratio | 9.4542% | 4,265 |
| Tier 1 risk-based capital ratio | 17.9363% | 1,948 |
| Total risk-based capital ratio | 19.1974% | 1,908 |
| Memoranda: | ||
| Average total assets | $52,316,330 | 5,411 |
| Average earning assets | $50,221,670 | 5,350 |
| Average equity | $4,811,330 | 5,609 |
| Average total loans | $26,664,330 | 5,417 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 3,658 |
| Cost of funding earning assets | 0.3952% | 3,137 |
| Net interest margin | 3.4856% | 3,530 |
| Noninterest income to average assets | 0.7392% | 1,862 |
| Noninterest expense to average assets | 3.1017% | 2,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9983% | 2,287 |
| Return on assets (ROA) | 0.9983% | 2,406 |
| Pretax return on assets | 0.9983% | 3,485 |
| Return on Equity (ROE) | 11.0432% | 1,585 |
| Retained earnings to average equity (ytd only) | 11.0432% | 644 |
| Net charge-offs to loans | -0.0582% | 5,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6506% | 2,224 |
| Assets per employee ($millions) | 4.0465% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3346% | 486 |
| Loan loss allowance to noncurrent loans | 56.9076% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 2.0778% | 821 |
| Noncurrent loans to loans | 4.1024% | 286 |
| Net loans and leases to total assets | 49.4658% | 4,846 |
| Net loans and leases to deposits | 54.4657% | 5,077 |
| Net loans and leases to core deposits | 55.0511% | 5,184 |
| Total domestic deposits to total assets | 90.8201% | 323 |
| Equity capital to assets | 9.1552% | 5,036 |
| Core capital (leverage) ratio | 9.0220% | 4,828 |
| Tier 1 risk-based capital ratio | 16.9751% | 2,297 |
| Total risk-based capital ratio | 18.2361% | 2,245 |
| Memoranda: | ||
| Average total assets | $52,488,000 | 5,463 |
| Average earning assets | $50,607,500 | 5,388 |
| Average equity | $4,745,000 | 5,666 |
| Average total loans | $27,478,500 | 5,430 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8140% | 4,003 |
| Cost of funding earning assets | 0.3929% | 3,231 |
| Net interest margin | 3.4210% | 3,833 |
| Noninterest income to average assets | 0.6067% | 2,685 |
| Noninterest expense to average assets | 2.7556% | 3,397 |
| Loan and lease loss provision to assets | 1.0835% | 73 |
| Net operating income to assets | 0.0379% | 5,833 |
| Return on assets (ROA) | 0.0379% | 5,864 |
| Pretax return on assets | 0.0379% | 5,862 |
| Return on Equity (ROE) | 0.4276% | 5,849 |
| Retained earnings to average equity (ytd only) | -4.6632% | 5,903 |
| Net charge-offs to loans | 2.1584% | 60 |
| Credit loss provision to net charge-offs | 102.3891% | 2,448 |
| Earnings coverage of net charge-offs (x) | 1.0597% | 4,145 |
| Efficiency ratio | 71.0759% | 3,057 |
| Assets per employee ($millions) | 4.0286% | 3,881 |
| Cash dividends to net income (ytd only)* | 1,190.4762% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1827% | 609 |
| Loan loss allowance to noncurrent loans | 58.4121% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 2.0202% | 866 |
| Noncurrent loans to loans | 3.7367% | 349 |
| Net loans and leases to total assets | 52.8832% | 4,616 |
| Net loans and leases to deposits | 58.0872% | 4,903 |
| Net loans and leases to core deposits | 58.7116% | 5,065 |
| Total domestic deposits to total assets | 91.0410% | 268 |
| Equity capital to assets | 8.9246% | 5,193 |
| Core capital (leverage) ratio | 8.5645% | 5,364 |
| Tier 1 risk-based capital ratio | 15.8014% | 2,782 |
| Total risk-based capital ratio | 17.0621% | 2,710 |
| Memoranda: | ||
| Average total assets | $55,378,600 | 5,421 |
| Average earning assets | $52,937,000 | 5,358 |
| Average equity | $4,910,800 | 5,676 |
| Average total loans | $27,149,200 | 5,474 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8301% | 3,998 |
| Cost of funding earning assets | 0.3905% | 3,316 |
| Net interest margin | 3.4396% | 3,798 |
| Noninterest income to average assets | 0.6128% | 2,675 |
| Noninterest expense to average assets | 2.5678% | 3,988 |
| Loan and lease loss provision to assets | 0.2375% | 749 |
| Net operating income to assets | 1.0927% | 2,041 |
| Return on assets (ROA) | 1.0927% | 2,124 |
| Pretax return on assets | 1.0927% | 3,260 |
| Return on Equity (ROE) | 12.3404% | 1,288 |
| Retained earnings to average equity (ytd only) | 5.6336% | 2,501 |
| Net charge-offs to loans | 0.7595% | 274 |
| Credit loss provision to net charge-offs | 65.3595% | 2,836 |
| Earnings coverage of net charge-offs (x) | 3.6602% | 3,473 |
| Efficiency ratio | 65.8745% | 3,908 |
| Assets per employee ($millions) | 4.2202% | 3,480 |
| Cash dividends to net income (ytd only)* | 54.3485% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0342% | 871 |
| Loan loss allowance to noncurrent loans | 91.8333% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.0937% | 2,169 |
| Noncurrent loans to loans | 2.2151% | 990 |
| Net loans and leases to total assets | 48.3686% | 5,056 |
| Net loans and leases to deposits | 53.3977% | 5,296 |
| Net loans and leases to core deposits | 53.6742% | 5,423 |
| Total domestic deposits to total assets | 90.5818% | 369 |
| Equity capital to assets | 9.3890% | 4,894 |
| Core capital (leverage) ratio | 9.2800% | 4,611 |
| Tier 1 risk-based capital ratio | 17.6820% | 2,123 |
| Total risk-based capital ratio | 18.9406% | 2,084 |
| Memoranda: | ||
| Average total assets | $56,130,250 | 5,472 |
| Average earning assets | $53,609,000 | 5,417 |
| Average equity | $4,970,000 | 5,733 |
| Average total loans | $26,858,000 | 5,546 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7877% | 4,106 |
| Cost of funding earning assets | 0.3891% | 3,377 |
| Net interest margin | 3.3985% | 3,914 |
| Noninterest income to average assets | 0.5552% | 3,007 |
| Noninterest expense to average assets | 2.5923% | 3,930 |
| Loan and lease loss provision to assets | 0.0884% | 2,340 |
| Net operating income to assets | 1.1175% | 1,885 |
| Return on assets (ROA) | 1.1175% | 1,971 |
| Pretax return on assets | 1.1175% | 3,100 |
| Return on Equity (ROE) | 12.8726% | 1,141 |
| Retained earnings to average equity (ytd only) | 2.6886% | 4,348 |
| Net charge-offs to loans | 0.4929% | 504 |
| Credit loss provision to net charge-offs | 37.8788% | 2,839 |
| Earnings coverage of net charge-offs (x) | 5.1667% | 2,951 |
| Efficiency ratio | 68.2495% | 3,643 |
| Assets per employee ($millions) | 4.1433% | 3,583 |
| Cash dividends to net income (ytd only)* | 79.1139% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1169% | 837 |
| Loan loss allowance to noncurrent loans | 639.7727% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 5,222 |
| Noncurrent loans to loans | 0.3309% | 4,504 |
| Net loans and leases to total assets | 48.3319% | 5,072 |
| Net loans and leases to deposits | 53.2863% | 5,297 |
| Net loans and leases to core deposits | 53.5669% | 5,447 |
| Total domestic deposits to total assets | 90.7023% | 386 |
| Equity capital to assets | 9.2642% | 4,936 |
| Core capital (leverage) ratio | 8.8801% | 5,118 |
| Tier 1 risk-based capital ratio | 19.0174% | 1,787 |
| Total risk-based capital ratio | 20.2801% | 1,756 |
| Memoranda: | ||
| Average total assets | $56,553,000 | 5,527 |
| Average earning assets | $53,964,330 | 5,464 |
| Average equity | $4,909,670 | 5,799 |
| Average total loans | $26,781,670 | 5,600 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7045% | 4,347 |
| Cost of funding earning assets | 0.3842% | 3,474 |
| Net interest margin | 3.3203% | 4,132 |
| Noninterest income to average assets | 0.5734% | 2,814 |
| Noninterest expense to average assets | 2.5493% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1883% | 1,584 |
| Return on assets (ROA) | 1.1883% | 1,681 |
| Pretax return on assets | 1.1883% | 2,716 |
| Return on Equity (ROE) | 14.1288% | 854 |
| Retained earnings to average equity (ytd only) | -6.4072% | 6,013 |
| Net charge-offs to loans | -0.0744% | 5,718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2070% | 3,791 |
| Assets per employee ($millions) | 4.4522% | 3,129 |
| Cash dividends to net income (ytd only)* | 145.3488% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3261% | 684 |
| Loan loss allowance to noncurrent loans | 4,350.0000% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 5,845 |
| Noncurrent loans to loans | 0.0535% | 5,564 |
| Net loans and leases to total assets | 44.1826% | 5,337 |
| Net loans and leases to deposits | 48.2436% | 5,552 |
| Net loans and leases to core deposits | 48.9463% | 5,636 |
| Total domestic deposits to total assets | 91.5823% | 214 |
| Equity capital to assets | 8.3901% | 5,813 |
| Core capital (leverage) ratio | 8.4216% | 5,600 |
| Tier 1 risk-based capital ratio | 17.2233% | 2,399 |
| Total risk-based capital ratio | 18.4864% | 2,353 |
| Memoranda: | ||
| Average total assets | $57,898,000 | 5,544 |
| Average earning assets | $55,176,500 | 5,486 |
| Average equity | $4,869,500 | 5,862 |
| Average total loans | $26,874,500 | 5,644 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8312% | 4,384 |
| Cost of funding earning assets | 0.4373% | 3,308 |
| Net interest margin | 3.3940% | 4,222 |
| Noninterest income to average assets | 0.5940% | 2,892 |
| Noninterest expense to average assets | 2.6482% | 4,059 |
| Loan and lease loss provision to assets | 0.1318% | 1,984 |
| Net operating income to assets | 1.0737% | 2,077 |
| Return on assets (ROA) | 1.0737% | 2,127 |
| Pretax return on assets | 1.0737% | 3,189 |
| Return on Equity (ROE) | 13.0277% | 1,132 |
| Retained earnings to average equity (ytd only) | 6.6311% | 1,577 |
| Net charge-offs to loans | 0.3604% | 1,209 |
| Credit loss provision to net charge-offs | 77.3196% | 2,919 |
| Earnings coverage of net charge-offs (x) | 7.0722% | 3,093 |
| Efficiency ratio | 68.7187% | 3,765 |
| Assets per employee ($millions) | 4.4552% | 3,107 |
| Cash dividends to net income (ytd only)* | 49.0998% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1909% | 834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 46.5555% | 5,281 |
| Net loans and leases to deposits | 50.8620% | 5,541 |
| Net loans and leases to core deposits | 51.8509% | 5,625 |
| Total domestic deposits to total assets | 91.5329% | 218 |
| Equity capital to assets | 8.4309% | 5,806 |
| Core capital (leverage) ratio | 8.2524% | 5,819 |
| Tier 1 risk-based capital ratio | 15.6657% | 3,144 |
| Total risk-based capital ratio | 16.9244% | 3,072 |
| Memoranda: | ||
| Average total assets | $56,907,000 | 5,627 |
| Average earning assets | $54,656,000 | 5,555 |
| Average equity | $4,690,000 | 5,930 |
| Average total loans | $26,916,000 | 5,702 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 4,421 |
| Cost of funding earning assets | 0.4451% | 3,311 |
| Net interest margin | 3.3899% | 4,278 |
| Noninterest income to average assets | 0.5154% | 3,443 |
| Noninterest expense to average assets | 2.5558% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2214% | 1,601 |
| Return on assets (ROA) | 1.2214% | 1,662 |
| Pretax return on assets | 1.2214% | 2,698 |
| Return on Equity (ROE) | 14.9077% | 845 |
| Retained earnings to average equity (ytd only) | 6.2905% | 2,221 |
| Net charge-offs to loans | -0.0050% | 5,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6636% | 3,915 |
| Assets per employee ($millions) | 4.8976% | 2,380 |
| Cash dividends to net income (ytd only)* | 57.8037% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3858% | 750 |
| Loan loss allowance to noncurrent loans | 1,045.0000% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 5,759 |
| Noncurrent loans to loans | 0.2283% | 5,212 |
| Net loans and leases to total assets | 43.6491% | 5,544 |
| Net loans and leases to deposits | 47.5734% | 5,791 |
| Net loans and leases to core deposits | 48.4815% | 5,859 |
| Total domestic deposits to total assets | 91.7510% | 190 |
| Equity capital to assets | 8.2166% | 6,002 |
| Core capital (leverage) ratio | 8.0557% | 6,029 |
| Tier 1 risk-based capital ratio | 15.7512% | 3,186 |
| Total risk-based capital ratio | 17.0115% | 3,118 |
| Memoranda: | ||
| Average total assets | $56,654,250 | 5,700 |
| Average earning assets | $54,513,000 | 5,626 |
| Average equity | $4,641,750 | 6,005 |
| Average total loans | $26,753,000 | 5,770 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9426% | 3,962 |
| Cost of funding earning assets | 0.4484% | 3,344 |
| Net interest margin | 3.4943% | 3,807 |
| Noninterest income to average assets | 0.5076% | 3,423 |
| Noninterest expense to average assets | 2.5774% | 4,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3012% | 1,307 |
| Return on assets (ROA) | 1.3012% | 1,353 |
| Pretax return on assets | 1.3012% | 2,246 |
| Return on Equity (ROE) | 15.8975% | 668 |
| Retained earnings to average equity (ytd only) | 2.7952% | 4,420 |
| Net charge-offs to loans | -0.0074% | 5,255 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4516% | 4,294 |
| Assets per employee ($millions) | 4.3800% | 3,115 |
| Cash dividends to net income (ytd only)* | 82.4176% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5181% | 691 |
| Loan loss allowance to noncurrent loans | 4,823.0769% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 6,153 |
| Noncurrent loans to loans | 0.0522% | 5,887 |
| Net loans and leases to total assets | 42.6291% | 5,636 |
| Net loans and leases to deposits | 46.4599% | 5,854 |
| Net loans and leases to core deposits | 47.3740% | 5,931 |
| Total domestic deposits to total assets | 91.7545% | 206 |
| Equity capital to assets | 8.2157% | 6,016 |
| Core capital (leverage) ratio | 8.0031% | 6,101 |
| Tier 1 risk-based capital ratio | 16.1131% | 3,033 |
| Total risk-based capital ratio | 17.3760% | 2,969 |
| Memoranda: | ||
| Average total assets | $55,948,670 | 5,761 |
| Average earning assets | $53,974,330 | 5,689 |
| Average equity | $4,579,330 | 6,071 |
| Average total loans | $26,910,670 | 5,804 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 3,892 |
| Cost of funding earning assets | 0.4631% | 3,280 |
| Net interest margin | 3.4879% | 3,750 |
| Noninterest income to average assets | 0.5699% | 2,918 |
| Noninterest expense to average assets | 2.6761% | 4,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2623% | 1,314 |
| Return on assets (ROA) | 1.2623% | 1,365 |
| Pretax return on assets | 1.2623% | 2,237 |
| Return on Equity (ROE) | 15.4525% | 712 |
| Retained earnings to average equity (ytd only) | -11.0375% | 6,393 |
| Net charge-offs to loans | -0.1003% | 6,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9487% | 4,194 |
| Assets per employee ($millions) | 4.4820% | 2,999 |
| Cash dividends to net income (ytd only)* | 171.4286% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2171% | 1,131 |
| Loan loss allowance to noncurrent loans | 1,037.7049% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 5,938 |
| Noncurrent loans to loans | 0.2137% | 5,452 |
| Net loans and leases to total assets | 47.9147% | 5,142 |
| Net loans and leases to deposits | 51.9240% | 5,456 |
| Net loans and leases to core deposits | 52.9171% | 5,568 |
| Total domestic deposits to total assets | 92.2785% | 200 |
| Equity capital to assets | 7.6854% | 6,238 |
| Core capital (leverage) ratio | 7.9368% | 6,155 |
| Tier 1 risk-based capital ratio | 15.1329% | 3,637 |
| Total risk-based capital ratio | 16.3929% | 3,593 |
| Memoranda: | ||
| Average total assets | $55,453,000 | 5,830 |
| Average earning assets | $53,557,000 | 5,745 |
| Average equity | $4,530,000 | 6,126 |
| Average total loans | $27,916,000 | 5,804 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 3,960 |
| Cost of funding earning assets | 0.5465% | 3,142 |
| Net interest margin | 3.4902% | 3,946 |
| Noninterest income to average assets | 0.8706% | 1,782 |
| Noninterest expense to average assets | 2.8570% | 3,507 |
| Loan and lease loss provision to assets | 0.0475% | 4,173 |
| Net operating income to assets | 1.2926% | 1,268 |
| Return on assets (ROA) | 1.3819% | 1,101 |
| Pretax return on assets | 1.3819% | 1,856 |
| Return on Equity (ROE) | 16.8264% | 520 |
| Retained earnings to average equity (ytd only) | 9.8829% | 580 |
| Net charge-offs to loans | 0.1636% | 3,176 |
| Credit loss provision to net charge-offs | 58.1395% | 3,619 |
| Earnings coverage of net charge-offs (x) | 16.3953% | 1,802 |
| Efficiency ratio | 68.0707% | 4,187 |
| Assets per employee ($millions) | 4.0492% | 3,763 |
| Cash dividends to net income (ytd only)* | 41.2655% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2946% | 1,041 |
| Loan loss allowance to noncurrent loans | 2,158.6207% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 6,200 |
| Noncurrent loans to loans | 0.1063% | 5,889 |
| Net loans and leases to total assets | 50.6364% | 5,014 |
| Net loans and leases to deposits | 55.4931% | 5,353 |
| Net loans and leases to core deposits | 56.6814% | 5,484 |
| Total domestic deposits to total assets | 91.2481% | 484 |
| Equity capital to assets | 8.7044% | 5,360 |
| Core capital (leverage) ratio | 8.5052% | 5,668 |
| Tier 1 risk-based capital ratio | 16.3388% | 2,941 |
| Total risk-based capital ratio | 17.6017% | 2,884 |
| Memoranda: | ||
| Average total assets | $52,607,400 | 5,951 |
| Average earning assets | $50,139,800 | 5,882 |
| Average equity | $4,320,600 | 6,259 |
| Average total loans | $26,286,800 | 5,925 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0215% | 4,050 |
| Cost of funding earning assets | 0.5543% | 3,221 |
| Net interest margin | 3.4672% | 4,026 |
| Noninterest income to average assets | 0.8492% | 1,942 |
| Noninterest expense to average assets | 2.7224% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4246% | 1,045 |
| Return on assets (ROA) | 1.5437% | 877 |
| Pretax return on assets | 1.5437% | 1,487 |
| Return on Equity (ROE) | 19.0818% | 368 |
| Retained earnings to average equity (ytd only) | 9.6819% | 861 |
| Net charge-offs to loans | 0.2202% | 2,495 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 13.0701% | 2,070 |
| Efficiency ratio | 65.6479% | 4,553 |
| Assets per employee ($millions) | 4.2328% | 3,358 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2855% | 1,204 |
| Loan loss allowance to noncurrent loans | 536.6071% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 5,824 |
| Noncurrent loans to loans | 0.4259% | 5,134 |
| Net loans and leases to total assets | 46.6953% | 5,470 |
| Net loans and leases to deposits | 50.8349% | 5,784 |
| Net loans and leases to core deposits | 52.1324% | 5,884 |
| Total domestic deposits to total assets | 91.8567% | 267 |
| Equity capital to assets | 8.1015% | 6,075 |
| Core capital (leverage) ratio | 8.4319% | 5,826 |
| Tier 1 risk-based capital ratio | 16.1768% | 3,091 |
| Total risk-based capital ratio | 17.4385% | 3,048 |
| Memoranda: | ||
| Average total assets | $52,599,250 | 6,018 |
| Average earning assets | $50,029,500 | 5,954 |
| Average equity | $4,255,250 | 6,346 |
| Average total loans | $26,038,250 | 5,990 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0098% | 4,065 |
| Cost of funding earning assets | 0.5641% | 3,272 |
| Net interest margin | 3.4456% | 4,018 |
| Noninterest income to average assets | 0.9152% | 1,766 |
| Noninterest expense to average assets | 2.7612% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4327% | 1,014 |
| Return on assets (ROA) | 1.6142% | 803 |
| Pretax return on assets | 1.6142% | 1,323 |
| Return on Equity (ROE) | 19.9634% | 301 |
| Retained earnings to average equity (ytd only) | 5.6356% | 2,653 |
| Net charge-offs to loans | 0.2620% | 2,157 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 10.9118% | 2,108 |
| Efficiency ratio | 65.8379% | 4,581 |
| Assets per employee ($millions) | 4.0988% | 3,585 |
| Cash dividends to net income (ytd only)* | 71.7703% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3405% | 1,193 |
| Loan loss allowance to noncurrent loans | 20,333.3333% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 6,551 |
| Noncurrent loans to loans | 0.0115% | 6,398 |
| Net loans and leases to total assets | 47.7677% | 5,352 |
| Net loans and leases to deposits | 51.9502% | 5,691 |
| Net loans and leases to core deposits | 53.3170% | 5,801 |
| Total domestic deposits to total assets | 91.9490% | 258 |
| Equity capital to assets | 8.0098% | 6,191 |
| Core capital (leverage) ratio | 8.1196% | 6,091 |
| Tier 1 risk-based capital ratio | 15.9351% | 3,231 |
| Total risk-based capital ratio | 17.1961% | 3,169 |
| Memoranda: | ||
| Average total assets | $51,790,000 | 6,076 |
| Average earning assets | $49,279,670 | 6,016 |
| Average equity | $4,187,670 | 6,408 |
| Average total loans | $25,952,330 | 6,025 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 3,843 |
| Cost of funding earning assets | 0.5767% | 3,316 |
| Net interest margin | 3.4932% | 3,726 |
| Noninterest income to average assets | 0.7366% | 2,394 |
| Noninterest expense to average assets | 2.8682% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1912% | 1,549 |
| Return on assets (ROA) | 1.5595% | 826 |
| Pretax return on assets | 1.5595% | 1,402 |
| Return on Equity (ROE) | 19.1923% | 346 |
| Retained earnings to average equity (ytd only) | -9.7408% | 6,604 |
| Net charge-offs to loans | -0.1699% | 6,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6564% | 3,859 |
| Assets per employee ($millions) | 4.4664% | 3,034 |
| Cash dividends to net income (ytd only)* | 150.7538% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5186% | 1,090 |
| Loan loss allowance to noncurrent loans | 13,100.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 6,600 |
| Noncurrent loans to loans | 0.0192% | 6,440 |
| Net loans and leases to total assets | 47.3012% | 5,305 |
| Net loans and leases to deposits | 51.2275% | 5,689 |
| Net loans and leases to core deposits | 52.0201% | 5,821 |
| Total domestic deposits to total assets | 92.3354% | 197 |
| Equity capital to assets | 7.6198% | 6,555 |
| Core capital (leverage) ratio | 7.8540% | 6,250 |
| Tier 1 risk-based capital ratio | 14.6555% | 4,062 |
| Total risk-based capital ratio | 15.9210% | 4,017 |
| Memoranda: | ||
| Average total assets | $51,042,500 | 6,154 |
| Average earning assets | $48,551,500 | 6,087 |
| Average equity | $4,147,500 | 6,478 |
| Average total loans | $25,897,000 | 6,076 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 3,524 |
| Cost of funding earning assets | 0.7863% | 2,769 |
| Net interest margin | 3.6836% | 3,725 |
| Noninterest income to average assets | 0.8789% | 1,933 |
| Noninterest expense to average assets | 2.9976% | 3,286 |
| Loan and lease loss provision to assets | 0.1020% | 4,365 |
| Net operating income to assets | 1.2949% | 1,319 |
| Return on assets (ROA) | 1.3826% | 1,242 |
| Pretax return on assets | 1.3826% | 2,102 |
| Return on Equity (ROE) | 17.0703% | 526 |
| Retained earnings to average equity (ytd only) | 12.0348% | 322 |
| Net charge-offs to loans | 0.1193% | 4,496 |
| Credit loss provision to net charge-offs | 161.2903% | 1,665 |
| Earnings coverage of net charge-offs (x) | 22.0968% | 1,276 |
| Efficiency ratio | 68.2135% | 4,107 |
| Assets per employee ($millions) | 3.7298% | 4,507 |
| Cash dividends to net income (ytd only)* | 29.4985% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4974% | 1,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 51.8541% | 4,949 |
| Net loans and leases to deposits | 56.8191% | 5,359 |
| Net loans and leases to core deposits | 57.8027% | 5,567 |
| Total domestic deposits to total assets | 91.2618% | 412 |
| Equity capital to assets | 8.6846% | 5,861 |
| Core capital (leverage) ratio | 8.4498% | 5,695 |
| Tier 1 risk-based capital ratio | 15.3021% | 3,542 |
| Total risk-based capital ratio | 16.5657% | 3,488 |
| Memoranda: | ||
| Average total assets | $49,038,800 | 6,238 |
| Average earning assets | $46,802,600 | 6,156 |
| Average equity | $3,971,800 | 6,574 |
| Average total loans | $25,990,000 | 6,138 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 4,135 |
| Cost of funding earning assets | 0.8193% | 2,784 |
| Net interest margin | 3.5606% | 4,392 |
| Noninterest income to average assets | 0.8242% | 2,141 |
| Noninterest expense to average assets | 2.8983% | 3,605 |
| Loan and lease loss provision to assets | 0.0678% | 4,835 |
| Net operating income to assets | 1.2634% | 1,531 |
| Return on assets (ROA) | 1.3583% | 1,446 |
| Pretax return on assets | 1.3583% | 2,379 |
| Return on Equity (ROE) | 17.0752% | 602 |
| Retained earnings to average equity (ytd only) | 10.2587% | 845 |
| Net charge-offs to loans | 0.0665% | 4,752 |
| Credit loss provision to net charge-offs | 192.3077% | 1,443 |
| Earnings coverage of net charge-offs (x) | 37.7755% | 922 |
| Efficiency ratio | 68.5256% | 3,954 |
| Assets per employee ($millions) | 4.1262% | 3,635 |
| Cash dividends to net income (ytd only)* | 39.9204% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4974% | 1,212 |
| Loan loss allowance to noncurrent loans | 227.5000% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 5,260 |
| Noncurrent loans to loans | 1.0977% | 4,234 |
| Net loans and leases to total assets | 50.2282% | 5,286 |
| Net loans and leases to deposits | 54.7568% | 5,744 |
| Net loans and leases to core deposits | 55.6799% | 5,917 |
| Total domestic deposits to total assets | 91.7296% | 242 |
| Equity capital to assets | 8.2179% | 6,479 |
| Core capital (leverage) ratio | 8.0391% | 6,291 |
| Tier 1 risk-based capital ratio | 14.4828% | 4,192 |
| Total risk-based capital ratio | 15.7463% | 4,155 |
| Memoranda: | ||
| Average total assets | $49,176,500 | 6,312 |
| Average earning assets | $47,031,750 | 6,222 |
| Average equity | $3,912,000 | 6,666 |
| Average total loans | $26,040,750 | 6,216 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 4,177 |
| Cost of funding earning assets | 0.8654% | 2,690 |
| Net interest margin | 3.5381% | 4,511 |
| Noninterest income to average assets | 0.8805% | 1,860 |
| Noninterest expense to average assets | 2.9064% | 3,589 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3574% | 1,290 |
| Return on assets (ROA) | 1.3574% | 1,448 |
| Pretax return on assets | 1.3574% | 2,360 |
| Return on Equity (ROE) | 17.2554% | 606 |
| Retained earnings to average equity (ytd only) | 6.8918% | 2,167 |
| Net charge-offs to loans | -0.0076% | 6,233 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1644% | 4,087 |
| Assets per employee ($millions) | 3.6376% | 4,669 |
| Cash dividends to net income (ytd only)* | 60.0601% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3537% | 1,495 |
| Loan loss allowance to noncurrent loans | 187.9880% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 5,145 |
| Noncurrent loans to loans | 1.2521% | 4,044 |
| Net loans and leases to total assets | 50.9956% | 5,219 |
| Net loans and leases to deposits | 55.2777% | 5,734 |
| Net loans and leases to core deposits | 56.1769% | 5,930 |
| Total domestic deposits to total assets | 92.2535% | 192 |
| Equity capital to assets | 7.6876% | 6,719 |
| Core capital (leverage) ratio | 7.6137% | 6,559 |
| Tier 1 risk-based capital ratio | 13.7293% | 4,639 |
| Total risk-based capital ratio | 14.9905% | 4,608 |
| Memoranda: | ||
| Average total assets | $49,064,000 | 6,351 |
| Average earning assets | $46,917,330 | 6,265 |
| Average equity | $3,859,670 | 6,721 |
| Average total loans | $26,218,670 | 6,248 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3771% | 4,421 |
| Cost of funding earning assets | 0.9137% | 2,580 |
| Net interest margin | 3.4634% | 4,859 |
| Noninterest income to average assets | 0.9224% | 1,657 |
| Noninterest expense to average assets | 2.8920% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3380% | 1,355 |
| Return on assets (ROA) | 1.3380% | 1,516 |
| Pretax return on assets | 1.3380% | 2,400 |
| Return on Equity (ROE) | 16.8058% | 700 |
| Retained earnings to average equity (ytd only) | -4.0710% | 6,502 |
| Net charge-offs to loans | 0.1229% | 3,371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 20.1250% | 1,199 |
| Efficiency ratio | 68.3694% | 4,101 |
| Assets per employee ($millions) | 3.8381% | 4,344 |
| Cash dividends to net income (ytd only)* | 124.2236% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3809% | 1,539 |
| Loan loss allowance to noncurrent loans | 159.8446% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 4,997 |
| Noncurrent loans to loans | 1.4895% | 3,885 |
| Net loans and leases to total assets | 50.7025% | 5,205 |
| Net loans and leases to deposits | 54.9181% | 5,715 |
| Net loans and leases to core deposits | 55.2189% | 5,970 |
| Total domestic deposits to total assets | 92.3239% | 213 |
| Equity capital to assets | 7.6120% | 6,732 |
| Core capital (leverage) ratio | 7.5983% | 6,569 |
| Tier 1 risk-based capital ratio | 14.0325% | 4,451 |
| Total risk-based capital ratio | 15.2976% | 4,398 |
| Memoranda: | ||
| Average total assets | $48,133,000 | 6,427 |
| Average earning assets | $45,967,000 | 6,330 |
| Average equity | $3,832,000 | 6,769 |
| Average total loans | $26,030,000 | 6,307 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7159% | 4,182 |
| Cost of funding earning assets | 1.1174% | 2,555 |
| Net interest margin | 3.5985% | 4,738 |
| Noninterest income to average assets | 0.9147% | 1,624 |
| Noninterest expense to average assets | 3.2423% | 2,715 |
| Loan and lease loss provision to assets | 0.0455% | 6,007 |
| Net operating income to assets | 1.0489% | 2,009 |
| Return on assets (ROA) | 1.0489% | 2,151 |
| Pretax return on assets | 1.0489% | 3,037 |
| Return on Equity (ROE) | 12.8348% | 1,200 |
| Retained earnings to average equity (ytd only) | 7.9626% | 1,094 |
| Net charge-offs to loans | -0.0078% | 6,866 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7639% | 3,092 |
| Assets per employee ($millions) | 3.5670% | 4,851 |
| Cash dividends to net income (ytd only)* | 37.9610% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3905% | 1,475 |
| Loan loss allowance to noncurrent loans | 219.2982% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 5,422 |
| Noncurrent loans to loans | 1.0901% | 4,531 |
| Net loans and leases to total assets | 55.0344% | 4,870 |
| Net loans and leases to deposits | 60.0937% | 5,471 |
| Net loans and leases to core deposits | 60.4510% | 5,801 |
| Total domestic deposits to total assets | 91.5809% | 311 |
| Equity capital to assets | 8.3371% | 6,316 |
| Core capital (leverage) ratio | 7.8697% | 6,382 |
| Tier 1 risk-based capital ratio | 14.4661% | 3,993 |
| Total risk-based capital ratio | 15.7292% | 3,968 |
| Memoranda: | ||
| Average total assets | $43,950,000 | 6,541 |
| Average earning assets | $41,794,800 | 6,472 |
| Average equity | $3,591,800 | 6,854 |
| Average total loans | $25,548,000 | 6,390 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7668% | 4,160 |
| Cost of funding earning assets | 1.1456% | 2,660 |
| Net interest margin | 3.6212% | 4,690 |
| Noninterest income to average assets | 0.8490% | 1,843 |
| Noninterest expense to average assets | 3.1160% | 3,100 |
| Loan and lease loss provision to assets | 0.0615% | 5,678 |
| Net operating income to assets | 1.1135% | 1,921 |
| Return on assets (ROA) | 1.1135% | 2,061 |
| Pretax return on assets | 1.1135% | 2,957 |
| Return on Equity (ROE) | 13.6990% | 1,108 |
| Retained earnings to average equity (ytd only) | 7.0767% | 1,929 |
| Net charge-offs to loans | -0.1575% | 7,234 |
| Credit loss provision to net charge-offs | -66.6667% | 6,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6165% | 3,436 |
| Assets per employee ($millions) | 3.5589% | 4,858 |
| Cash dividends to net income (ytd only)* | 48.3435% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5739% | 1,304 |
| Loan loss allowance to noncurrent loans | 224.3986% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6290% | 5,566 |
| Noncurrent loans to loans | 1.1470% | 4,623 |
| Net loans and leases to total assets | 53.4237% | 5,259 |
| Net loans and leases to deposits | 58.2070% | 5,826 |
| Net loans and leases to core deposits | 58.9707% | 6,059 |
| Total domestic deposits to total assets | 91.7823% | 243 |
| Equity capital to assets | 8.1356% | 6,615 |
| Core capital (leverage) ratio | 7.9082% | 6,477 |
| Tier 1 risk-based capital ratio | 14.5251% | 3,956 |
| Total risk-based capital ratio | 15.7918% | 3,921 |
| Memoranda: | ||
| Average total assets | $43,344,750 | 6,614 |
| Average earning assets | $41,200,750 | 6,537 |
| Average equity | $3,523,250 | 6,930 |
| Average total loans | $25,398,750 | 6,458 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8397% | 3,908 |
| Cost of funding earning assets | 1.1667% | 2,791 |
| Net interest margin | 3.6730% | 4,392 |
| Noninterest income to average assets | 0.8921% | 1,670 |
| Noninterest expense to average assets | 3.1909% | 2,936 |
| Loan and lease loss provision to assets | 0.0944% | 5,151 |
| Net operating income to assets | 1.1140% | 1,832 |
| Return on assets (ROA) | 1.1140% | 1,917 |
| Pretax return on assets | 1.1140% | 2,794 |
| Return on Equity (ROE) | 13.7090% | 1,045 |
| Retained earnings to average equity (ytd only) | 3.5434% | 3,988 |
| Net charge-offs to loans | -0.2361% | 7,316 |
| Credit loss provision to net charge-offs | -66.6667% | 6,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5322% | 3,629 |
| Assets per employee ($millions) | 3.4633% | 5,045 |
| Cash dividends to net income (ytd only)* | 74.1525% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6100% | 1,300 |
| Loan loss allowance to noncurrent loans | 225.9516% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 5,630 |
| Noncurrent loans to loans | 1.1551% | 4,733 |
| Net loans and leases to total assets | 54.1190% | 5,279 |
| Net loans and leases to deposits | 58.8736% | 5,837 |
| Net loans and leases to core deposits | 59.3034% | 6,160 |
| Total domestic deposits to total assets | 91.9241% | 249 |
| Equity capital to assets | 7.9870% | 6,692 |
| Core capital (leverage) ratio | 7.7356% | 6,559 |
| Tier 1 risk-based capital ratio | 12.3687% | 5,457 |
| Total risk-based capital ratio | 13.6331% | 5,429 |
| Memoranda: | ||
| Average total assets | $42,371,000 | 6,708 |
| Average earning assets | $40,457,330 | 6,623 |
| Average equity | $3,443,000 | 6,999 |
| Average total loans | $25,408,330 | 6,516 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9714% | 3,245 |
| Cost of funding earning assets | 1.2021% | 2,802 |
| Net interest margin | 3.7693% | 3,761 |
| Noninterest income to average assets | 0.9356% | 1,524 |
| Noninterest expense to average assets | 3.2647% | 2,661 |
| Loan and lease loss provision to assets | 0.1949% | 3,677 |
| Net operating income to assets | 1.0817% | 1,902 |
| Return on assets (ROA) | 1.0817% | 1,954 |
| Pretax return on assets | 1.0817% | 2,826 |
| Return on Equity (ROE) | 13.1888% | 1,150 |
| Retained earnings to average equity (ytd only) | -7.6043% | 6,724 |
| Net charge-offs to loans | -0.5312% | 7,418 |
| Credit loss provision to net charge-offs | -58.8235% | 5,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8884% | 3,891 |
| Assets per employee ($millions) | 3.3380% | 5,396 |
| Cash dividends to net income (ytd only)* | 157.6577% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6878% | 1,216 |
| Loan loss allowance to noncurrent loans | 224.2321% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 5,500 |
| Noncurrent loans to loans | 1.1987% | 4,684 |
| Net loans and leases to total assets | 54.8163% | 5,189 |
| Net loans and leases to deposits | 59.4318% | 5,773 |
| Net loans and leases to core deposits | 59.4318% | 6,146 |
| Total domestic deposits to total assets | 92.2339% | 230 |
| Equity capital to assets | 7.6739% | 6,767 |
| Core capital (leverage) ratio | 8.0457% | 6,195 |
| Tier 1 risk-based capital ratio | 12.2298% | 5,496 |
| Total risk-based capital ratio | 13.4938% | 5,481 |
| Memoranda: | ||
| Average total assets | $41,045,000 | 6,799 |
| Average earning assets | $39,264,500 | 6,710 |
| Average equity | $3,366,500 | 7,059 |
| Average total loans | $25,603,000 | 6,553 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3687% | 2,814 |
| Cost of funding earning assets | 1.5446% | 2,376 |
| Net interest margin | 3.8241% | 3,843 |
| Noninterest income to average assets | 1.0579% | 1,338 |
| Noninterest expense to average assets | 3.5683% | 2,011 |
| Loan and lease loss provision to assets | 0.2351% | 4,929 |
| Net operating income to assets | 0.8699% | 2,505 |
| Return on assets (ROA) | 0.9300% | 2,407 |
| Pretax return on assets | 0.9300% | 3,160 |
| Return on Equity (ROE) | 10.7475% | 1,666 |
| Retained earnings to average equity (ytd only) | 5.4643% | 2,138 |
| Net charge-offs to loans | 0.4458% | 3,830 |
| Credit loss provision to net charge-offs | 81.8182% | 5,495 |
| Earnings coverage of net charge-offs (x) | 3.8455% | 3,166 |
| Efficiency ratio | 76.3555% | 2,997 |
| Assets per employee ($millions) | 2.9766% | 6,153 |
| Cash dividends to net income (ytd only)* | 49.1573% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2532% | 1,768 |
| Loan loss allowance to noncurrent loans | 127.2152% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 1.2818% | 4,467 |
| Noncurrent loans to loans | 1.7712% | 3,853 |
| Net loans and leases to total assets | 67.6013% | 3,075 |
| Net loans and leases to deposits | 74.2247% | 4,157 |
| Net loans and leases to core deposits | 74.2247% | 4,950 |
| Total domestic deposits to total assets | 91.0766% | 565 |
| Equity capital to assets | 8.7942% | 5,440 |
| Core capital (leverage) ratio | 8.8098% | 4,839 |
| Tier 1 risk-based capital ratio | 12.3096% | 5,198 |
| Total risk-based capital ratio | 13.5724% | 5,154 |
| Memoranda: | ||
| Average total assets | $38,281,600 | 6,924 |
| Average earning assets | $36,191,200 | 6,875 |
| Average equity | $3,312,400 | 7,188 |
| Average total loans | $24,675,800 | 6,693 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4058% | 2,852 |
| Cost of funding earning assets | 1.5958% | 2,411 |
| Net interest margin | 3.8100% | 3,935 |
| Noninterest income to average assets | 0.9429% | 1,640 |
| Noninterest expense to average assets | 3.4574% | 2,143 |
| Loan and lease loss provision to assets | 0.1746% | 5,295 |
| Net operating income to assets | 0.9045% | 2,587 |
| Return on assets (ROA) | 0.9848% | 2,404 |
| Pretax return on assets | 0.9848% | 3,238 |
| Return on Equity (ROE) | 11.4291% | 1,670 |
| Retained earnings to average equity (ytd only) | 4.3365% | 3,444 |
| Net charge-offs to loans | 0.2539% | 4,422 |
| Credit loss provision to net charge-offs | 108.6957% | 3,915 |
| Earnings coverage of net charge-offs (x) | 6.7176% | 2,467 |
| Efficiency ratio | 76.2125% | 2,904 |
| Assets per employee ($millions) | 3.0016% | 6,150 |
| Cash dividends to net income (ytd only)* | 62.0575% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5245% | 1,289 |
| Loan loss allowance to noncurrent loans | 102.2838% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.5709% | 4,086 |
| Noncurrent loans to loans | 2.4681% | 3,158 |
| Net loans and leases to total assets | 62.0435% | 4,525 |
| Net loans and leases to deposits | 68.0266% | 5,418 |
| Net loans and leases to core deposits | 68.0266% | 5,935 |
| Total domestic deposits to total assets | 91.2047% | 383 |
| Equity capital to assets | 8.6697% | 6,076 |
| Core capital (leverage) ratio | 8.6109% | 5,328 |
| Tier 1 risk-based capital ratio | 12.7559% | 4,770 |
| Total risk-based capital ratio | 14.0212% | 4,733 |
| Memoranda: | ||
| Average total assets | $38,178,000 | 7,012 |
| Average earning assets | $36,010,000 | 6,957 |
| Average equity | $3,289,750 | 7,283 |
| Average total loans | $24,154,250 | 6,810 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4545% | 2,732 |
| Cost of funding earning assets | 1.6470% | 2,404 |
| Net interest margin | 3.8075% | 3,866 |
| Noninterest income to average assets | 0.9447% | 1,529 |
| Noninterest expense to average assets | 3.5201% | 1,984 |
| Loan and lease loss provision to assets | 0.1319% | 5,568 |
| Net operating income to assets | 0.8919% | 2,576 |
| Return on assets (ROA) | 1.0133% | 2,217 |
| Pretax return on assets | 1.0133% | 3,067 |
| Return on Equity (ROE) | 11.7839% | 1,510 |
| Retained earnings to average equity (ytd only) | 1.0434% | 5,349 |
| Net charge-offs to loans | 0.5517% | 2,879 |
| Credit loss provision to net charge-offs | 37.8788% | 5,636 |
| Earnings coverage of net charge-offs (x) | 2.9394% | 3,527 |
| Efficiency ratio | 77.4681% | 2,818 |
| Assets per employee ($millions) | 2.7181% | 6,751 |
| Cash dividends to net income (ytd only)* | 91.1458% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3593% | 1,494 |
| Loan loss allowance to noncurrent loans | 96.0396% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.5925% | 4,062 |
| Noncurrent loans to loans | 2.4566% | 3,188 |
| Net loans and leases to total assets | 63.2959% | 4,393 |
| Net loans and leases to deposits | 69.3881% | 5,367 |
| Net loans and leases to core deposits | 69.9930% | 5,870 |
| Total domestic deposits to total assets | 91.2201% | 406 |
| Equity capital to assets | 8.6274% | 5,978 |
| Core capital (leverage) ratio | 8.4229% | 5,538 |
| Tier 1 risk-based capital ratio | 12.5523% | 4,811 |
| Total risk-based capital ratio | 13.8161% | 4,780 |
| Memoranda: | ||
| Average total assets | $37,897,000 | 7,078 |
| Average earning assets | $35,823,670 | 7,009 |
| Average equity | $3,258,670 | 7,336 |
| Average total loans | $23,926,670 | 6,871 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3629% | 3,229 |
| Cost of funding earning assets | 1.6647% | 2,569 |
| Net interest margin | 3.6982% | 4,257 |
| Noninterest income to average assets | 0.9731% | 1,382 |
| Noninterest expense to average assets | 3.5326% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9413% | 2,389 |
| Return on assets (ROA) | 1.0788% | 1,978 |
| Pretax return on assets | 1.0788% | 2,804 |
| Return on Equity (ROE) | 12.5674% | 1,355 |
| Retained earnings to average equity (ytd only) | -8.9943% | 6,896 |
| Net charge-offs to loans | 0.3057% | 3,194 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 4.9444% | 2,507 |
| Efficiency ratio | 78.9598% | 2,733 |
| Assets per employee ($millions) | 2.7555% | 6,745 |
| Cash dividends to net income (ytd only)* | 171.5686% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4946% | 1,300 |
| Loan loss allowance to noncurrent loans | 154.7315% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 1.0136% | 5,128 |
| Noncurrent loans to loans | 1.6122% | 4,326 |
| Net loans and leases to total assets | 61.2982% | 4,898 |
| Net loans and leases to deposits | 66.9488% | 5,715 |
| Net loans and leases to core deposits | 67.5223% | 6,148 |
| Total domestic deposits to total assets | 91.5597% | 354 |
| Equity capital to assets | 8.2977% | 6,302 |
| Core capital (leverage) ratio | 8.2860% | 5,767 |
| Tier 1 risk-based capital ratio | 12.2633% | 4,933 |
| Total risk-based capital ratio | 13.5255% | 4,890 |
| Memoranda: | ||
| Average total assets | $37,819,000 | 7,173 |
| Average earning assets | $35,801,500 | 7,096 |
| Average equity | $3,246,500 | 7,420 |
| Average total loans | $23,556,000 | 6,969 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6700% | 3,252 |
| Cost of funding earning assets | 1.9739% | 3,085 |
| Net interest margin | 3.6961% | 4,164 |
| Noninterest income to average assets | 1.0257% | 1,486 |
| Noninterest expense to average assets | 3.7666% | 1,759 |
| Loan and lease loss provision to assets | 0.1272% | 6,372 |
| Net operating income to assets | 0.6188% | 3,260 |
| Return on assets (ROA) | 0.8675% | 2,354 |
| Pretax return on assets | 0.8675% | 3,025 |
| Return on Equity (ROE) | 9.5914% | 1,823 |
| Retained earnings to average equity (ytd only) | 2.5619% | 3,356 |
| Net charge-offs to loans | 0.0871% | 6,250 |
| Credit loss provision to net charge-offs | 236.8421% | 1,528 |
| Earnings coverage of net charge-offs (x) | 13.8947% | 1,395 |
| Efficiency ratio | 83.4690% | 2,420 |
| Assets per employee ($millions) | 2.6472% | 6,958 |
| Cash dividends to net income (ytd only)* | 73.2899% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7253% | 995 |
| Loan loss allowance to noncurrent loans | 146.2441% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 1.1495% | 4,794 |
| Noncurrent loans to loans | 1.8635% | 3,845 |
| Net loans and leases to total assets | 60.0011% | 5,334 |
| Net loans and leases to deposits | 65.9734% | 6,050 |
| Net loans and leases to core deposits | 82.7824% | 5,842 |
| Total domestic deposits to total assets | 90.9474% | 551 |
| Equity capital to assets | 8.8827% | 5,309 |
| Core capital (leverage) ratio | 8.7047% | 4,921 |
| Tier 1 risk-based capital ratio | 13.3077% | 3,944 |
| Total risk-based capital ratio | 14.5761% | 3,875 |
| Memoranda: | ||
| Average total assets | $35,389,600 | 7,263 |
| Average earning assets | $33,386,400 | 7,212 |
| Average equity | $3,200,800 | 7,532 |
| Average total loans | $21,825,000 | 7,098 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7133% | 3,275 |
| Cost of funding earning assets | 2.0243% | 3,240 |
| Net interest margin | 3.6890% | 4,118 |
| Noninterest income to average assets | 0.9951% | 1,624 |
| Noninterest expense to average assets | 3.6753% | 1,877 |
| Loan and lease loss provision to assets | 0.1716% | 5,649 |
| Net operating income to assets | 0.6291% | 3,498 |
| Return on assets (ROA) | 0.9645% | 2,235 |
| Pretax return on assets | 0.9645% | 3,010 |
| Return on Equity (ROE) | 10.6142% | 1,727 |
| Retained earnings to average equity (ytd only) | 1.1746% | 4,669 |
| Net charge-offs to loans | -0.4575% | 8,021 |
| Credit loss provision to net charge-offs | -60.8108% | 7,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1124% | 2,566 |
| Assets per employee ($millions) | 2.5725% | 7,105 |
| Cash dividends to net income (ytd only)* | 88.9334% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2417% | 539 |
| Loan loss allowance to noncurrent loans | 131.1355% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.5160% | 4,098 |
| Noncurrent loans to loans | 2.4720% | 3,050 |
| Net loans and leases to total assets | 59.3392% | 5,689 |
| Net loans and leases to deposits | 65.3507% | 6,367 |
| Net loans and leases to core deposits | 80.8803% | 6,278 |
| Total domestic deposits to total assets | 90.8011% | 483 |
| Equity capital to assets | 9.0351% | 5,436 |
| Core capital (leverage) ratio | 8.7764% | 5,010 |
| Tier 1 risk-based capital ratio | 13.7682% | 3,677 |
| Total risk-based capital ratio | 15.0424% | 3,616 |
| Memoranda: | ||
| Average total assets | $34,971,750 | 7,337 |
| Average earning assets | $32,998,250 | 7,287 |
| Average equity | $3,178,000 | 7,609 |
| Average total loans | $21,566,250 | 7,175 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7542% | 3,276 |
| Cost of funding earning assets | 2.0617% | 3,465 |
| Net interest margin | 3.6925% | 3,981 |
| Noninterest income to average assets | 1.0224% | 1,520 |
| Noninterest expense to average assets | 3.6102% | 2,042 |
| Loan and lease loss provision to assets | 0.2599% | 4,499 |
| Net operating income to assets | 0.6181% | 3,602 |
| Return on assets (ROA) | 1.0224% | 2,116 |
| Pretax return on assets | 1.0224% | 2,920 |
| Return on Equity (ROE) | 11.2286% | 1,638 |
| Retained earnings to average equity (ytd only) | -3.0450% | 5,981 |
| Net charge-offs to loans | -0.5796% | 8,106 |
| Credit loss provision to net charge-offs | -72.5806% | 6,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4376% | 2,970 |
| Assets per employee ($millions) | 2.5584% | 7,128 |
| Cash dividends to net income (ytd only)* | 127.1186% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2883% | 452 |
| Loan loss allowance to noncurrent loans | 137.7691% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 1.4267% | 4,110 |
| Noncurrent loans to loans | 2.3868% | 3,023 |
| Net loans and leases to total assets | 57.8077% | 5,992 |
| Net loans and leases to deposits | 63.5825% | 6,604 |
| Net loans and leases to core deposits | 77.2315% | 6,594 |
| Total domestic deposits to total assets | 90.9177% | 480 |
| Equity capital to assets | 8.8868% | 5,473 |
| Core capital (leverage) ratio | 8.7784% | 4,970 |
| Tier 1 risk-based capital ratio | 13.2955% | 3,937 |
| Total risk-based capital ratio | 14.5691% | 3,852 |
| Memoranda: | ||
| Average total assets | $34,624,000 | 7,421 |
| Average earning assets | $32,498,000 | 7,378 |
| Average equity | $3,152,670 | 7,681 |
| Average total loans | $21,392,670 | 7,247 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2954% | 1,313 |
| Cost of funding earning assets | 2.1194% | 3,561 |
| Net interest margin | 4.1760% | 1,989 |
| Noninterest income to average assets | 1.0109% | 1,455 |
| Noninterest expense to average assets | 3.6911% | 1,676 |
| Loan and lease loss provision to assets | 0.2351% | 4,102 |
| Net operating income to assets | 0.9992% | 2,314 |
| Return on assets (ROA) | 0.9992% | 2,450 |
| Pretax return on assets | 0.9992% | 3,348 |
| Return on Equity (ROE) | 10.8367% | 2,018 |
| Retained earnings to average equity (ytd only) | -17.8486% | 7,577 |
| Net charge-offs to loans | -0.1871% | 8,000 |
| Credit loss provision to net charge-offs | -200.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9403% | 3,674 |
| Assets per employee ($millions) | 2.4181% | 7,426 |
| Cash dividends to net income (ytd only)* | 264.7059% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9549% | 498 |
| Loan loss allowance to noncurrent loans | 746.4286% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 6,770 |
| Noncurrent loans to loans | 0.3959% | 6,431 |
| Net loans and leases to total assets | 60.8259% | 5,525 |
| Net loans and leases to deposits | 66.9702% | 6,277 |
| Net loans and leases to core deposits | 81.3495% | 6,279 |
| Total domestic deposits to total assets | 90.8253% | 470 |
| Equity capital to assets | 8.9591% | 5,404 |
| Core capital (leverage) ratio | 8.6512% | 5,253 |
| Tier 1 risk-based capital ratio | 13.0620% | 4,150 |
| Total risk-based capital ratio | 14.3299% | 4,046 |
| Memoranda: | ||
| Average total assets | $34,027,500 | 7,490 |
| Average earning assets | $31,896,500 | 7,446 |
| Average equity | $3,137,500 | 7,744 |
| Average total loans | $21,384,500 | 7,289 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2034% | 742 |
| Cost of funding earning assets | 2.7106% | 3,112 |
| Net interest margin | 4.4929% | 1,446 |
| Noninterest income to average assets | 1.0216% | 1,517 |
| Noninterest expense to average assets | 3.8213% | 1,713 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4013% | 1,225 |
| Return on assets (ROA) | 1.4013% | 1,181 |
| Pretax return on assets | 1.4013% | 1,969 |
| Return on Equity (ROE) | 14.9942% | 926 |
| Retained earnings to average equity (ytd only) | 5.3205% | 1,847 |
| Net charge-offs to loans | 0.0381% | 6,266 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 58.1250% | 687 |
| Efficiency ratio | 73.1679% | 3,718 |
| Assets per employee ($millions) | 2.4429% | 7,319 |
| Cash dividends to net income (ytd only)* | 64.5161% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7703% | 532 |
| Loan loss allowance to noncurrent loans | 609.1837% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 6,436 |
| Noncurrent loans to loans | 0.4548% | 5,981 |
| Net loans and leases to total assets | 61.2643% | 5,732 |
| Net loans and leases to deposits | 67.8706% | 6,475 |
| Net loans and leases to core deposits | 79.1875% | 6,677 |
| Total domestic deposits to total assets | 90.2664% | 560 |
| Equity capital to assets | 9.4793% | 4,718 |
| Core capital (leverage) ratio | 9.1846% | 4,467 |
| Tier 1 risk-based capital ratio | 13.2332% | 3,975 |
| Total risk-based capital ratio | 14.4984% | 3,880 |
| Memoranda: | ||
| Average total assets | $33,182,400 | 7,499 |
| Average earning assets | $31,026,800 | 7,461 |
| Average equity | $3,101,200 | 7,808 |
| Average total loans | $21,006,800 | 7,261 |