Home > The Kansas State Bank Overbrook Kansas > Performance and Condition Ratios
The Kansas State Bank Overbrook Kansas, 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 | 5.1692% | 1,724 |
| Cost of funding earning assets | 1.4515% | 2,072 |
| Net interest margin | 3.7177% | 1,724 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.2890% | 2,879 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1406% | 1,806 |
| Return on assets (ROA) | 1.1044% | 1,879 |
| Pretax return on assets | 1.4129% | 1,605 |
| Return on Equity (ROE) | 12.9300% | 1,745 |
| Retained earnings to average equity (ytd only) | 9.6572% | 1,101 |
| Net charge-offs to loans | 0.0064% | 2,456 |
| Credit loss provision to net charge-offs | 1,833.3333% | 248 |
| Earnings coverage of net charge-offs (x) | 442.3333% | 321 |
| Efficiency ratio | 60.0662% | 3,066 |
| Assets per employee ($millions) | 7.2218% | 1,922 |
| Cash dividends to net income (ytd only)* | 25.3375% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1743% | 101 |
| Loan loss allowance to noncurrent loans | 286.2004% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 897 |
| Noncurrent loans to loans | 1.1091% | 657 |
| Net loans and leases to total assets | 53.2900% | 3,398 |
| Net loans and leases to deposits | 64.3557% | 3,273 |
| Net loans and leases to core deposits | 75.3262% | 3,014 |
| Total domestic deposits to total assets | 82.8000% | 2,940 |
| Equity capital to assets | 9.5047% | 2,342 |
| Core capital (leverage) ratio | 12.6316% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3374% | 660 |
| Memoranda: | ||
| Average total assets | $87,199,400 | 3,946 |
| Average earning assets | $81,501,200 | 3,913 |
| Average equity | $7,445,200 | 3,995 |
| Average total loans | $46,597,200 | 3,892 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1102% | 1,616 |
| Cost of funding earning assets | 1.3189% | 2,100 |
| Net interest margin | 3.7913% | 1,617 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.2976% | 2,797 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.1322% | 1,960 |
| Return on assets (ROA) | 1.0839% | 2,091 |
| Pretax return on assets | 1.4534% | 1,665 |
| Return on Equity (ROE) | 13.0600% | 1,883 |
| Retained earnings to average equity (ytd only) | 12.4550% | 893 |
| Net charge-offs to loans | 0.0086% | 2,090 |
| Credit loss provision to net charge-offs | 1,333.3333% | 330 |
| Earnings coverage of net charge-offs (x) | 344.0000% | 413 |
| Efficiency ratio | 59.3220% | 3,044 |
| Assets per employee ($millions) | 7.1963% | 1,825 |
| Cash dividends to net income (ytd only)* | 4.6479% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1608% | 106 |
| Loan loss allowance to noncurrent loans | 37,475.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 3,825 |
| Noncurrent loans to loans | 0.0084% | 3,746 |
| Net loans and leases to total assets | 53.1800% | 3,410 |
| Net loans and leases to deposits | 63.2254% | 3,310 |
| Net loans and leases to core deposits | 73.9009% | 3,000 |
| Total domestic deposits to total assets | 84.1100% | 2,746 |
| Equity capital to assets | 8.0204% | 3,046 |
| Core capital (leverage) ratio | 12.5953% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1299% | 691 |
| Memoranda: | ||
| Average total assets | $87,333,750 | 3,957 |
| Average earning assets | $81,482,250 | 3,934 |
| Average equity | $7,247,250 | 4,016 |
| Average total loans | $46,322,750 | 3,905 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9448% | 1,667 |
| Cost of funding earning assets | 1.1747% | 2,065 |
| Net interest margin | 3.7702% | 1,680 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.2610% | 2,917 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.1718% | 1,903 |
| Return on assets (ROA) | 1.0997% | 2,117 |
| Pretax return on assets | 1.4670% | 1,657 |
| Return on Equity (ROE) | 13.1100% | 1,876 |
| Retained earnings to average equity (ytd only) | 12.2105% | 946 |
| Net charge-offs to loans | 0.0044% | 2,135 |
| Credit loss provision to net charge-offs | 2,500.0000% | 218 |
| Earnings coverage of net charge-offs (x) | 708.0000% | 210 |
| Efficiency ratio | 58.3284% | 3,158 |
| Assets per employee ($millions) | 7.3154% | 1,716 |
| Cash dividends to net income (ytd only)* | 6.8465% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1365% | 120 |
| Loan loss allowance to noncurrent loans | 37,150.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 3,833 |
| Noncurrent loans to loans | 0.0084% | 3,733 |
| Net loans and leases to total assets | 52.2800% | 3,387 |
| Net loans and leases to deposits | 62.4118% | 3,281 |
| Net loans and leases to core deposits | 72.9661% | 2,964 |
| Total domestic deposits to total assets | 83.7600% | 2,879 |
| Equity capital to assets | 8.5812% | 2,796 |
| Core capital (leverage) ratio | 12.3006% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9133% | 727 |
| Memoranda: | ||
| Average total assets | $87,660,000 | 3,970 |
| Average earning assets | $82,065,333 | 3,939 |
| Average equity | $7,354,333 | 4,032 |
| Average total loans | $45,955,667 | 3,922 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7798% | 1,670 |
| Cost of funding earning assets | 1.0058% | 2,028 |
| Net interest margin | 3.7740% | 1,739 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.3288% | 2,733 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.1707% | 2,023 |
| Return on assets (ROA) | 1.0914% | 2,222 |
| Pretax return on assets | 1.4201% | 1,836 |
| Return on Equity (ROE) | 13.1600% | 1,953 |
| Retained earnings to average equity (ytd only) | 13.1590% | 1,063 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.7890% | 2,983 |
| Assets per employee ($millions) | 6.7108% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2908% | 105 |
| Loan loss allowance to noncurrent loans | 5,339.2857% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 3,460 |
| Noncurrent loans to loans | 0.0616% | 3,294 |
| Net loans and leases to total assets | 50.3600% | 3,460 |
| Net loans and leases to deposits | 61.9207% | 3,230 |
| Net loans and leases to core deposits | 65.9224% | 3,234 |
| Total domestic deposits to total assets | 81.3300% | 3,585 |
| Equity capital to assets | 8.7069% | 2,731 |
| Core capital (leverage) ratio | 12.1837% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0910% | 736 |
| Memoranda: | ||
| Average total assets | $87,597,500 | 4,020 |
| Average earning assets | $81,928,500 | 3,994 |
| Average equity | $7,265,000 | 4,089 |
| Average total loans | $45,244,500 | 3,974 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 1,035 |
| Cost of funding earning assets | 0.5538% | 1,093 |
| Net interest margin | 3.7541% | 1,258 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.2490% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2413% | 1,622 |
| Return on assets (ROA) | 1.1773% | 1,803 |
| Pretax return on assets | 1.5271% | 1,372 |
| Return on Equity (ROE) | 13.0200% | 1,805 |
| Retained earnings to average equity (ytd only) | 9.7128% | 1,237 |
| Net charge-offs to loans | -0.0025% | 3,485 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.3080% | 3,295 |
| Assets per employee ($millions) | 6.7657% | 2,142 |
| Cash dividends to net income (ytd only)* | 25.4237% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2956% | 95 |
| Loan loss allowance to noncurrent loans | 5,711.5385% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 3,519 |
| Noncurrent loans to loans | 0.0577% | 3,344 |
| Net loans and leases to total assets | 49.5400% | 3,538 |
| Net loans and leases to deposits | 61.5431% | 3,230 |
| Net loans and leases to core deposits | 66.3697% | 3,108 |
| Total domestic deposits to total assets | 80.5000% | 3,814 |
| Equity capital to assets | 7.8837% | 3,133 |
| Core capital (leverage) ratio | 12.0531% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5331% | 776 |
| Memoranda: | ||
| Average total assets | $85,191,800 | 4,073 |
| Average earning assets | $80,179,400 | 4,032 |
| Average equity | $7,701,200 | 4,127 |
| Average total loans | $40,426,800 | 4,058 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 1,046 |
| Cost of funding earning assets | 0.5060% | 735 |
| Net interest margin | 3.6051% | 1,377 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.2421% | 2,814 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1360% | 1,945 |
| Return on assets (ROA) | 1.1360% | 1,919 |
| Pretax return on assets | 1.4863% | 1,455 |
| Return on Equity (ROE) | 12.1600% | 1,986 |
| Retained earnings to average equity (ytd only) | 11.6049% | 889 |
| Net charge-offs to loans | -0.0034% | 3,388 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.1354% | 3,097 |
| Assets per employee ($millions) | 6.5418% | 2,286 |
| Cash dividends to net income (ytd only)* | 4.5833% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5323% | 82 |
| Loan loss allowance to noncurrent loans | 10,542.8571% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 1,831 |
| Noncurrent loans to loans | 0.0335% | 3,654 |
| Net loans and leases to total assets | 47.4000% | 3,676 |
| Net loans and leases to deposits | 56.3721% | 3,450 |
| Net loans and leases to core deposits | 60.8719% | 3,319 |
| Total domestic deposits to total assets | 84.0800% | 3,489 |
| Equity capital to assets | 7.0258% | 3,505 |
| Core capital (leverage) ratio | 12.0725% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1826% | 716 |
| Memoranda: | ||
| Average total assets | $84,501,250 | 4,108 |
| Average earning assets | $79,847,750 | 4,067 |
| Average equity | $7,893,000 | 4,146 |
| Average total loans | $39,268,500 | 4,097 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 1,019 |
| Cost of funding earning assets | 0.4869% | 561 |
| Net interest margin | 3.4657% | 1,404 |
| Noninterest income to average assets | 0.3107% | 3,300 |
| Noninterest expense to average assets | 2.2035% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0816% | 1,850 |
| Return on assets (ROA) | 1.0816% | 1,827 |
| Pretax return on assets | 1.3994% | 1,438 |
| Return on Equity (ROE) | 10.6888% | 2,094 |
| Retained earnings to average equity (ytd only) | 9.9152% | 1,044 |
| Net charge-offs to loans | -0.0052% | 3,356 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1587% | 3,157 |
| Assets per employee ($millions) | 6.5011% | 2,315 |
| Cash dividends to net income (ytd only)* | 7.2368% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7900% | 77 |
| Loan loss allowance to noncurrent loans | 638.9610% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 1,945 |
| Noncurrent loans to loans | 0.5931% | 1,426 |
| Net loans and leases to total assets | 44.3347% | 3,808 |
| Net loans and leases to deposits | 52.9799% | 3,608 |
| Net loans and leases to core deposits | 56.8565% | 3,501 |
| Total domestic deposits to total assets | 83.6820% | 3,748 |
| Equity capital to assets | 8.4649% | 2,790 |
| Core capital (leverage) ratio | 11.8644% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9894% | 629 |
| Memoranda: | ||
| Average total assets | $84,320,333 | 4,149 |
| Average earning assets | $80,100,000 | 4,117 |
| Average equity | $8,532,333 | 4,150 |
| Average total loans | $38,429,333 | 4,167 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8382% | 1,023 |
| Cost of funding earning assets | 0.4965% | 508 |
| Net interest margin | 3.3416% | 1,467 |
| Noninterest income to average assets | 0.3135% | 3,220 |
| Noninterest expense to average assets | 2.3034% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9546% | 2,057 |
| Return on assets (ROA) | 0.9546% | 2,053 |
| Pretax return on assets | 1.2063% | 1,787 |
| Return on Equity (ROE) | 8.7188% | 2,429 |
| Retained earnings to average equity (ytd only) | 8.7188% | 1,361 |
| Net charge-offs to loans | -0.0105% | 3,607 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6292% | 2,812 |
| Assets per employee ($millions) | 6.5125% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8807% | 80 |
| Loan loss allowance to noncurrent loans | 633.4764% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 2,027 |
| Noncurrent loans to loans | 0.6126% | 1,526 |
| Net loans and leases to total assets | 43.1806% | 3,801 |
| Net loans and leases to deposits | 52.4159% | 3,539 |
| Net loans and leases to core deposits | 56.3020% | 3,425 |
| Total domestic deposits to total assets | 82.3807% | 4,031 |
| Equity capital to assets | 9.7681% | 2,077 |
| Core capital (leverage) ratio | 11.6837% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1012% | 635 |
| Memoranda: | ||
| Average total assets | $84,223,500 | 4,169 |
| Average earning assets | $80,559,500 | 4,132 |
| Average equity | $9,221,500 | 4,139 |
| Average total loans | $38,171,500 | 4,186 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 1,116 |
| Cost of funding earning assets | 0.6122% | 511 |
| Net interest margin | 3.5145% | 1,688 |
| Noninterest income to average assets | 0.3170% | 3,512 |
| Noninterest expense to average assets | 2.2341% | 2,983 |
| Loan and lease loss provision to assets | 0.0147% | 2,790 |
| Net operating income to assets | 1.1060% | 2,277 |
| Return on assets (ROA) | 1.1244% | 2,250 |
| Pretax return on assets | 1.4427% | 1,906 |
| Return on Equity (ROE) | 8.9469% | 2,930 |
| Retained earnings to average equity (ytd only) | 6.4535% | 2,153 |
| Net charge-offs to loans | -0.3856% | 4,770 |
| Credit loss provision to net charge-offs | -8.6331% | 3,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9045% | 3,010 |
| Assets per employee ($millions) | 6.4449% | 2,378 |
| Cash dividends to net income (ytd only)* | 27.8689% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8503% | 71 |
| Loan loss allowance to noncurrent loans | 614.5833% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 2,105 |
| Noncurrent loans to loans | 0.6265% | 1,582 |
| Net loans and leases to total assets | 43.9630% | 3,842 |
| Net loans and leases to deposits | 55.0205% | 3,518 |
| Net loans and leases to core deposits | 59.5721% | 3,345 |
| Total domestic deposits to total assets | 79.9031% | 4,229 |
| Equity capital to assets | 12.1419% | 1,195 |
| Core capital (leverage) ratio | 11.6805% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1547% | 635 |
| Memoranda: | ||
| Average total assets | $81,375,600 | 4,195 |
| Average earning assets | $77,592,200 | 4,160 |
| Average equity | $10,227,000 | 4,100 |
| Average total loans | $36,045,000 | 4,270 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2467% | 1,032 |
| Cost of funding earning assets | 0.6315% | 536 |
| Net interest margin | 3.6152% | 1,563 |
| Noninterest income to average assets | 0.3186% | 3,523 |
| Noninterest expense to average assets | 2.2515% | 2,889 |
| Loan and lease loss provision to assets | 0.0149% | 2,700 |
| Net operating income to assets | 1.2215% | 2,096 |
| Return on assets (ROA) | 1.2215% | 2,154 |
| Pretax return on assets | 1.4922% | 2,013 |
| Return on Equity (ROE) | 9.6347% | 2,870 |
| Retained earnings to average equity (ytd only) | 9.1920% | 1,620 |
| Net charge-offs to loans | -0.1390% | 4,710 |
| Credit loss provision to net charge-offs | -24.3243% | 3,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9034% | 2,987 |
| Assets per employee ($millions) | 6.3996% | 2,334 |
| Cash dividends to net income (ytd only)* | 4.5946% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7492% | 82 |
| Loan loss allowance to noncurrent loans | 559.1837% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 2,299 |
| Noncurrent loans to loans | 0.6705% | 1,634 |
| Net loans and leases to total assets | 42.2754% | 4,072 |
| Net loans and leases to deposits | 53.3185% | 3,791 |
| Net loans and leases to core deposits | 57.7957% | 3,644 |
| Total domestic deposits to total assets | 79.2884% | 4,317 |
| Equity capital to assets | 12.6210% | 1,123 |
| Core capital (leverage) ratio | 12.0499% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8460% | 612 |
| Memoranda: | ||
| Average total assets | $80,773,500 | 4,261 |
| Average earning assets | $76,858,000 | 4,223 |
| Average equity | $10,240,500 | 4,155 |
| Average total loans | $35,479,000 | 4,334 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4500% | 785 |
| Cost of funding earning assets | 0.6463% | 587 |
| Net interest margin | 3.8037% | 1,133 |
| Noninterest income to average assets | 0.3301% | 3,450 |
| Noninterest expense to average assets | 2.2359% | 2,962 |
| Loan and lease loss provision to assets | 0.0150% | 2,652 |
| Net operating income to assets | 1.3556% | 1,688 |
| Return on assets (ROA) | 1.3556% | 1,769 |
| Pretax return on assets | 1.6857% | 1,517 |
| Return on Equity (ROE) | 10.6756% | 2,540 |
| Retained earnings to average equity (ytd only) | 10.0059% | 1,393 |
| Net charge-offs to loans | 0.0228% | 1,489 |
| Credit loss provision to net charge-offs | 150.0000% | 1,162 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 550 |
| Efficiency ratio | 56.7980% | 3,431 |
| Assets per employee ($millions) | 6.4174% | 2,221 |
| Cash dividends to net income (ytd only)* | 6.2731% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5403% | 94 |
| Loan loss allowance to noncurrent loans | 550.2075% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 2,480 |
| Noncurrent loans to loans | 0.6435% | 1,806 |
| Net loans and leases to total assets | 43.3054% | 4,087 |
| Net loans and leases to deposits | 54.8658% | 3,802 |
| Net loans and leases to core deposits | 59.4621% | 3,659 |
| Total domestic deposits to total assets | 78.9298% | 4,353 |
| Equity capital to assets | 12.3774% | 1,188 |
| Core capital (leverage) ratio | 11.7592% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3295% | 664 |
| Memoranda: | ||
| Average total assets | $79,966,333 | 4,291 |
| Average earning assets | $75,820,333 | 4,262 |
| Average equity | $10,154,000 | 4,183 |
| Average total loans | $35,125,000 | 4,374 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 602 |
| Cost of funding earning assets | 0.6622% | 642 |
| Net interest margin | 3.9945% | 847 |
| Noninterest income to average assets | 0.3528% | 3,325 |
| Noninterest expense to average assets | 2.3161% | 2,737 |
| Loan and lease loss provision to assets | 0.0153% | 2,581 |
| Net operating income to assets | 1.4520% | 1,441 |
| Return on assets (ROA) | 1.4520% | 1,507 |
| Pretax return on assets | 1.8150% | 1,263 |
| Return on Equity (ROE) | 11.2833% | 2,278 |
| Retained earnings to average equity (ytd only) | 11.2833% | 1,323 |
| Net charge-offs to loans | -0.0118% | 3,734 |
| Credit loss provision to net charge-offs | -300.0000% | 3,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8570% | 3,561 |
| Assets per employee ($millions) | 6.2005% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7954% | 79 |
| Loan loss allowance to noncurrent loans | 542.0408% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 2,612 |
| Noncurrent loans to loans | 0.7002% | 1,841 |
| Net loans and leases to total assets | 41.7612% | 4,246 |
| Net loans and leases to deposits | 52.6726% | 4,018 |
| Net loans and leases to core deposits | 57.5134% | 3,872 |
| Total domestic deposits to total assets | 79.2844% | 4,298 |
| Equity capital to assets | 12.4519% | 1,099 |
| Core capital (leverage) ratio | 12.0819% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6741% | 611 |
| Memoranda: | ||
| Average total assets | $78,236,500 | 4,331 |
| Average earning assets | $74,303,000 | 4,296 |
| Average equity | $10,068,000 | 4,210 |
| Average total loans | $33,960,500 | 4,416 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2009% | 2,132 |
| Cost of funding earning assets | 0.8393% | 1,060 |
| Net interest margin | 3.3616% | 2,893 |
| Noninterest income to average assets | 0.3384% | 3,437 |
| Noninterest expense to average assets | 2.4170% | 3,094 |
| Loan and lease loss provision to assets | 0.1622% | 2,344 |
| Net operating income to assets | 0.7926% | 3,123 |
| Return on assets (ROA) | 0.8066% | 3,183 |
| Pretax return on assets | 0.9674% | 3,148 |
| Return on Equity (ROE) | 5.9210% | 3,608 |
| Retained earnings to average equity (ytd only) | 4.1405% | 2,740 |
| Net charge-offs to loans | -0.0354% | 4,589 |
| Credit loss provision to net charge-offs | -958.3333% | 4,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4778% | 2,167 |
| Assets per employee ($millions) | 5.8359% | 2,510 |
| Cash dividends to net income (ytd only)* | 30.0699% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0205% | 70 |
| Loan loss allowance to noncurrent loans | 319.8068% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 1,915 |
| Noncurrent loans to loans | 1.2572% | 1,088 |
| Net loans and leases to total assets | 41.6611% | 4,371 |
| Net loans and leases to deposits | 53.4263% | 4,138 |
| Net loans and leases to core deposits | 58.7480% | 4,010 |
| Total domestic deposits to total assets | 77.9786% | 4,319 |
| Equity capital to assets | 13.3115% | 995 |
| Core capital (leverage) ratio | 12.3346% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3329% | 554 |
| Memoranda: | ||
| Average total assets | $70,915,000 | 4,369 |
| Average earning assets | $67,318,600 | 4,332 |
| Average equity | $9,660,600 | 4,230 |
| Average total loans | $33,898,800 | 4,435 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 3,133 |
| Cost of funding earning assets | 0.8693% | 1,181 |
| Net interest margin | 3.0757% | 3,795 |
| Noninterest income to average assets | 0.3387% | 3,450 |
| Noninterest expense to average assets | 2.4704% | 2,933 |
| Loan and lease loss provision to assets | 0.1909% | 2,080 |
| Net operating income to assets | 0.5366% | 3,937 |
| Return on assets (ROA) | 0.5568% | 3,979 |
| Pretax return on assets | 0.6315% | 4,045 |
| Return on Equity (ROE) | 4.0623% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.6016% | 3,254 |
| Net charge-offs to loans | -0.0195% | 4,415 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5413% | 1,244 |
| Assets per employee ($millions) | 5.5675% | 2,655 |
| Cash dividends to net income (ytd only)* | 11.3402% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6786% | 77 |
| Loan loss allowance to noncurrent loans | 59.9724% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 2.9995% | 151 |
| Noncurrent loans to loans | 6.1338% | 69 |
| Net loans and leases to total assets | 47.1027% | 4,262 |
| Net loans and leases to deposits | 61.1055% | 3,986 |
| Net loans and leases to core deposits | 67.9218% | 3,761 |
| Total domestic deposits to total assets | 77.0842% | 4,314 |
| Equity capital to assets | 13.6851% | 946 |
| Core capital (leverage) ratio | 12.5215% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2700% | 643 |
| Memoranda: | ||
| Average total assets | $69,677,000 | 4,400 |
| Average earning assets | $66,410,750 | 4,357 |
| Average equity | $9,551,000 | 4,259 |
| Average total loans | $34,140,750 | 4,462 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 2,107 |
| Cost of funding earning assets | 0.8939% | 1,404 |
| Net interest margin | 3.5419% | 2,668 |
| Noninterest income to average assets | 0.3460% | 3,401 |
| Noninterest expense to average assets | 2.4630% | 3,064 |
| Loan and lease loss provision to assets | 0.2472% | 1,704 |
| Net operating income to assets | 0.8376% | 2,909 |
| Return on assets (ROA) | 0.8666% | 2,934 |
| Pretax return on assets | 1.0469% | 2,881 |
| Return on Equity (ROE) | 6.3182% | 3,392 |
| Retained earnings to average equity (ytd only) | 5.6186% | 2,227 |
| Net charge-offs to loans | -0.0830% | 4,810 |
| Credit loss provision to net charge-offs | -607.1429% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1719% | 2,495 |
| Assets per employee ($millions) | 5.5148% | 2,625 |
| Cash dividends to net income (ytd only)* | 11.0738% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7155% | 78 |
| Loan loss allowance to noncurrent loans | 62.4578% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 2.8943% | 172 |
| Noncurrent loans to loans | 5.9488% | 74 |
| Net loans and leases to total assets | 46.8456% | 4,319 |
| Net loans and leases to deposits | 60.8413% | 4,074 |
| Net loans and leases to core deposits | 67.6749% | 3,878 |
| Total domestic deposits to total assets | 76.9964% | 4,317 |
| Equity capital to assets | 13.6819% | 936 |
| Core capital (leverage) ratio | 12.9231% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6755% | 613 |
| Memoranda: | ||
| Average total assets | $68,776,667 | 4,417 |
| Average earning assets | $65,558,000 | 4,381 |
| Average equity | $9,433,000 | 4,291 |
| Average total loans | $33,723,000 | 4,490 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 2,441 |
| Cost of funding earning assets | 0.9303% | 1,738 |
| Net interest margin | 3.5215% | 2,905 |
| Noninterest income to average assets | 0.3922% | 3,159 |
| Noninterest expense to average assets | 2.6144% | 2,938 |
| Loan and lease loss provision to assets | 0.4159% | 733 |
| Net operating income to assets | 0.6101% | 3,570 |
| Return on assets (ROA) | 0.6714% | 3,431 |
| Pretax return on assets | 0.7843% | 3,451 |
| Return on Equity (ROE) | 4.8891% | 3,672 |
| Retained earnings to average equity (ytd only) | 4.8891% | 2,325 |
| Net charge-offs to loans | -0.1690% | 4,922 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8413% | 2,380 |
| Assets per employee ($millions) | 5.2351% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9598% | 75 |
| Loan loss allowance to noncurrent loans | 61.5865% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 3.0563% | 191 |
| Noncurrent loans to loans | 6.4297% | 68 |
| Net loans and leases to total assets | 45.6521% | 4,439 |
| Net loans and leases to deposits | 59.8067% | 4,206 |
| Net loans and leases to core deposits | 66.5859% | 4,048 |
| Total domestic deposits to total assets | 76.3327% | 4,441 |
| Equity capital to assets | 13.9179% | 1,087 |
| Core capital (leverage) ratio | 13.2684% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7417% | 587 |
| Memoranda: | ||
| Average total assets | $67,318,500 | 4,452 |
| Average earning assets | $64,063,000 | 4,421 |
| Average equity | $9,245,000 | 4,337 |
| Average total loans | $33,144,000 | 4,533 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 1,895 |
| Cost of funding earning assets | 0.8591% | 2,382 |
| Net interest margin | 3.9915% | 1,881 |
| Noninterest income to average assets | 0.3887% | 3,367 |
| Noninterest expense to average assets | 2.5532% | 3,311 |
| Loan and lease loss provision to assets | 0.0948% | 2,141 |
| Net operating income to assets | 1.2250% | 1,963 |
| Return on assets (ROA) | 1.2545% | 1,935 |
| Pretax return on assets | 1.5499% | 1,653 |
| Return on Equity (ROE) | 9.2603% | 2,633 |
| Retained earnings to average equity (ytd only) | 6.5429% | 1,592 |
| Net charge-offs to loans | -0.0673% | 4,880 |
| Credit loss provision to net charge-offs | -260.8696% | 4,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3516% | 3,486 |
| Assets per employee ($millions) | 5.1216% | 2,432 |
| Cash dividends to net income (ytd only)* | 29.3451% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5270% | 85 |
| Loan loss allowance to noncurrent loans | 420.0000% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 2,679 |
| Noncurrent loans to loans | 0.8398% | 1,830 |
| Net loans and leases to total assets | 49.1747% | 4,363 |
| Net loans and leases to deposits | 64.2257% | 4,062 |
| Net loans and leases to core deposits | 71.8272% | 3,863 |
| Total domestic deposits to total assets | 76.5654% | 4,538 |
| Equity capital to assets | 13.5444% | 1,257 |
| Core capital (leverage) ratio | 13.3698% | 1,096 |
| Tier 1 risk-based capital ratio | 20.6545% | 1,230 |
| Total risk-based capital ratio | 21.9239% | 1,187 |
| Memoranda: | ||
| Average total assets | $63,293,800 | 4,541 |
| Average earning assets | $59,826,600 | 4,515 |
| Average equity | $8,574,200 | 4,434 |
| Average total loans | $34,167,600 | 4,550 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8809% | 1,871 |
| Cost of funding earning assets | 0.8331% | 2,550 |
| Net interest margin | 4.0479% | 1,776 |
| Noninterest income to average assets | 0.4012% | 3,309 |
| Noninterest expense to average assets | 2.5526% | 3,290 |
| Loan and lease loss provision to assets | 0.0960% | 1,990 |
| Net operating income to assets | 1.2711% | 1,945 |
| Return on assets (ROA) | 1.3104% | 1,893 |
| Pretax return on assets | 1.6284% | 1,533 |
| Return on Equity (ROE) | 9.6730% | 2,586 |
| Retained earnings to average equity (ytd only) | 9.1531% | 1,005 |
| Net charge-offs to loans | -0.0818% | 4,954 |
| Credit loss provision to net charge-offs | -214.2857% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3735% | 3,567 |
| Assets per employee ($millions) | 4.8555% | 2,726 |
| Cash dividends to net income (ytd only)* | 5.3747% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3997% | 94 |
| Loan loss allowance to noncurrent loans | 332.3944% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 2,320 |
| Noncurrent loans to loans | 1.0228% | 1,571 |
| Net loans and leases to total assets | 53.1186% | 4,245 |
| Net loans and leases to deposits | 68.0046% | 3,916 |
| Net loans and leases to core deposits | 76.3150% | 3,676 |
| Total domestic deposits to total assets | 78.1103% | 4,323 |
| Equity capital to assets | 14.2742% | 1,050 |
| Core capital (leverage) ratio | 14.1402% | 949 |
| Tier 1 risk-based capital ratio | 20.6540% | 1,244 |
| Total risk-based capital ratio | 21.9253% | 1,211 |
| Memoranda: | ||
| Average total assets | $62,472,000 | 4,616 |
| Average earning assets | $59,058,500 | 4,587 |
| Average equity | $8,463,250 | 4,500 |
| Average total loans | $34,225,000 | 4,613 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8746% | 1,836 |
| Cost of funding earning assets | 0.8102% | 2,593 |
| Net interest margin | 4.0644% | 1,716 |
| Noninterest income to average assets | 0.4080% | 3,226 |
| Noninterest expense to average assets | 2.4865% | 3,524 |
| Loan and lease loss provision to assets | 0.0964% | 1,928 |
| Net operating income to assets | 1.3332% | 1,643 |
| Return on assets (ROA) | 1.3332% | 1,707 |
| Pretax return on assets | 1.6609% | 1,365 |
| Return on Equity (ROE) | 10.0229% | 2,372 |
| Retained earnings to average equity (ytd only) | 9.2259% | 977 |
| Net charge-offs to loans | -0.0822% | 4,962 |
| Credit loss provision to net charge-offs | -214.2857% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5920% | 3,919 |
| Assets per employee ($millions) | 4.7938% | 2,749 |
| Cash dividends to net income (ytd only)* | 7.9518% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2902% | 98 |
| Loan loss allowance to noncurrent loans | 329.9145% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 2,326 |
| Noncurrent loans to loans | 0.9973% | 1,640 |
| Net loans and leases to total assets | 54.6174% | 4,173 |
| Net loans and leases to deposits | 69.7094% | 3,864 |
| Net loans and leases to core deposits | 78.2748% | 3,556 |
| Total domestic deposits to total assets | 78.3501% | 4,338 |
| Equity capital to assets | 14.0150% | 1,112 |
| Core capital (leverage) ratio | 13.8108% | 1,020 |
| Tier 1 risk-based capital ratio | 20.1774% | 1,315 |
| Total risk-based capital ratio | 21.4481% | 1,284 |
| Memoranda: | ||
| Average total assets | $62,255,670 | 4,651 |
| Average earning assets | $58,753,670 | 4,630 |
| Average equity | $8,281,000 | 4,544 |
| Average total loans | $34,063,670 | 4,654 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8298% | 1,823 |
| Cost of funding earning assets | 0.7640% | 2,710 |
| Net interest margin | 4.0658% | 1,653 |
| Noninterest income to average assets | 0.3857% | 3,288 |
| Noninterest expense to average assets | 2.3656% | 3,858 |
| Loan and lease loss provision to assets | 0.0964% | 1,818 |
| Net operating income to assets | 1.4207% | 1,319 |
| Return on assets (ROA) | 1.4207% | 1,348 |
| Pretax return on assets | 1.7549% | 1,086 |
| Return on Equity (ROE) | 10.9752% | 1,955 |
| Retained earnings to average equity (ytd only) | 10.9752% | 808 |
| Net charge-offs to loans | -0.1911% | 5,166 |
| Credit loss provision to net charge-offs | -93.7500% | 3,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0976% | 4,321 |
| Assets per employee ($millions) | 4.8163% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3667% | 95 |
| Loan loss allowance to noncurrent loans | 322.5352% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6149% | 2,230 |
| Noncurrent loans to loans | 1.0438% | 1,598 |
| Net loans and leases to total assets | 52.4899% | 4,309 |
| Net loans and leases to deposits | 66.2988% | 4,033 |
| Net loans and leases to core deposits | 74.2913% | 3,779 |
| Total domestic deposits to total assets | 79.1717% | 4,324 |
| Equity capital to assets | 13.2594% | 1,312 |
| Core capital (leverage) ratio | 13.6857% | 1,033 |
| Tier 1 risk-based capital ratio | 19.9986% | 1,343 |
| Total risk-based capital ratio | 21.2679% | 1,311 |
| Memoranda: | ||
| Average total assets | $62,224,000 | 4,701 |
| Average earning assets | $58,636,000 | 4,679 |
| Average equity | $8,054,500 | 4,613 |
| Average total loans | $33,498,000 | 4,716 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 1,733 |
| Cost of funding earning assets | 0.6135% | 2,631 |
| Net interest margin | 4.1160% | 1,633 |
| Noninterest income to average assets | 0.4132% | 3,360 |
| Noninterest expense to average assets | 2.6249% | 3,260 |
| Loan and lease loss provision to assets | 0.1074% | 2,049 |
| Net operating income to assets | 1.3080% | 1,757 |
| Return on assets (ROA) | 1.3108% | 1,736 |
| Pretax return on assets | 1.5653% | 1,567 |
| Return on Equity (ROE) | 10.5447% | 2,265 |
| Retained earnings to average equity (ytd only) | 8.1911% | 1,157 |
| Net charge-offs to loans | 0.1951% | 985 |
| Credit loss provision to net charge-offs | 104.8387% | 2,427 |
| Earnings coverage of net charge-offs (x) | 16.2903% | 2,255 |
| Efficiency ratio | 61.1239% | 3,673 |
| Assets per employee ($millions) | 4.7566% | 2,803 |
| Cash dividends to net income (ytd only)* | 22.3203% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3772% | 89 |
| Loan loss allowance to noncurrent loans | 316.4773% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.6178% | 2,193 |
| Noncurrent loans to loans | 1.0671% | 1,528 |
| Net loans and leases to total assets | 51.5428% | 4,430 |
| Net loans and leases to deposits | 64.5496% | 4,219 |
| Net loans and leases to core deposits | 71.1381% | 4,052 |
| Total domestic deposits to total assets | 79.8499% | 4,139 |
| Equity capital to assets | 12.6253% | 1,525 |
| Core capital (leverage) ratio | 13.5296% | 1,068 |
| Tier 1 risk-based capital ratio | 19.8488% | 1,334 |
| Total risk-based capital ratio | 21.1159% | 1,303 |
| Memoranda: | ||
| Average total assets | $60,498,000 | 4,755 |
| Average earning assets | $57,045,800 | 4,730 |
| Average equity | $7,520,400 | 4,676 |
| Average total loans | $31,776,000 | 4,776 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6873% | 1,711 |
| Cost of funding earning assets | 0.5906% | 2,545 |
| Net interest margin | 4.0967% | 1,643 |
| Noninterest income to average assets | 0.4144% | 3,393 |
| Noninterest expense to average assets | 2.5596% | 3,414 |
| Loan and lease loss provision to assets | 0.1108% | 1,821 |
| Net operating income to assets | 1.2409% | 2,081 |
| Return on assets (ROA) | 1.2654% | 1,986 |
| Pretax return on assets | 1.6333% | 1,475 |
| Return on Equity (ROE) | 10.2206% | 2,516 |
| Retained earnings to average equity (ytd only) | 9.6301% | 1,019 |
| Net charge-offs to loans | 0.1398% | 1,168 |
| Credit loss provision to net charge-offs | 151.5152% | 1,690 |
| Earnings coverage of net charge-offs (x) | 23.4236% | 1,845 |
| Efficiency ratio | 59.9066% | 3,825 |
| Assets per employee ($millions) | 4.5385% | 3,062 |
| Cash dividends to net income (ytd only)* | 5.7795% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5169% | 85 |
| Loan loss allowance to noncurrent loans | 482.0513% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 3,099 |
| Noncurrent loans to loans | 0.7296% | 2,254 |
| Net loans and leases to total assets | 52.4508% | 4,462 |
| Net loans and leases to deposits | 66.2740% | 4,180 |
| Net loans and leases to core deposits | 70.8876% | 4,134 |
| Total domestic deposits to total assets | 79.1424% | 4,293 |
| Equity capital to assets | 12.7729% | 1,433 |
| Core capital (leverage) ratio | 13.5769% | 1,073 |
| Tier 1 risk-based capital ratio | 20.2743% | 1,285 |
| Total risk-based capital ratio | 21.5433% | 1,259 |
| Memoranda: | ||
| Average total assets | $60,163,500 | 4,812 |
| Average earning assets | $56,661,750 | 4,787 |
| Average equity | $7,448,750 | 4,733 |
| Average total loans | $31,473,500 | 4,836 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 1,726 |
| Cost of funding earning assets | 0.5774% | 2,380 |
| Net interest margin | 4.0421% | 1,719 |
| Noninterest income to average assets | 0.4063% | 3,441 |
| Noninterest expense to average assets | 2.5532% | 3,466 |
| Loan and lease loss provision to assets | 0.0991% | 1,959 |
| Net operating income to assets | 1.1823% | 2,272 |
| Return on assets (ROA) | 1.2188% | 2,103 |
| Pretax return on assets | 1.6152% | 1,453 |
| Return on Equity (ROE) | 9.9465% | 2,587 |
| Retained earnings to average equity (ytd only) | 9.0570% | 1,195 |
| Net charge-offs to loans | -0.0064% | 4,168 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4851% | 3,867 |
| Assets per employee ($millions) | 4.6370% | 2,908 |
| Cash dividends to net income (ytd only)* | 8.9431% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4724% | 83 |
| Loan loss allowance to noncurrent loans | 284.7880% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 2,181 |
| Noncurrent loans to loans | 1.2193% | 1,420 |
| Net loans and leases to total assets | 52.6634% | 4,436 |
| Net loans and leases to deposits | 66.0233% | 4,162 |
| Net loans and leases to core deposits | 70.8632% | 4,091 |
| Total domestic deposits to total assets | 79.7648% | 4,290 |
| Equity capital to assets | 12.3870% | 1,605 |
| Core capital (leverage) ratio | 13.0916% | 1,188 |
| Tier 1 risk-based capital ratio | 19.4047% | 1,454 |
| Total risk-based capital ratio | 20.6748% | 1,405 |
| Memoranda: | ||
| Average total assets | $60,551,330 | 4,863 |
| Average earning assets | $57,148,670 | 4,835 |
| Average equity | $7,419,670 | 4,785 |
| Average total loans | $31,273,330 | 4,893 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5248% | 1,794 |
| Cost of funding earning assets | 0.5552% | 2,357 |
| Net interest margin | 3.9696% | 1,815 |
| Noninterest income to average assets | 0.4021% | 3,452 |
| Noninterest expense to average assets | 2.4519% | 3,808 |
| Loan and lease loss provision to assets | 0.0989% | 1,868 |
| Net operating income to assets | 1.2194% | 1,929 |
| Return on assets (ROA) | 1.2194% | 1,937 |
| Pretax return on assets | 1.6214% | 1,330 |
| Return on Equity (ROE) | 10.0054% | 2,418 |
| Retained earnings to average equity (ytd only) | 10.0054% | 1,148 |
| Net charge-offs to loans | 0.0263% | 1,973 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 130.5000% | 498 |
| Efficiency ratio | 58.7678% | 4,257 |
| Assets per employee ($millions) | 4.6723% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6522% | 81 |
| Loan loss allowance to noncurrent loans | 299.7333% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 2,402 |
| Noncurrent loans to loans | 1.2185% | 1,489 |
| Net loans and leases to total assets | 48.8179% | 4,645 |
| Net loans and leases to deposits | 60.9359% | 4,407 |
| Net loans and leases to core deposits | 65.3329% | 4,356 |
| Total domestic deposits to total assets | 80.1136% | 4,396 |
| Equity capital to assets | 12.1057% | 1,711 |
| Core capital (leverage) ratio | 12.8397% | 1,236 |
| Tier 1 risk-based capital ratio | 19.7517% | 1,384 |
| Total risk-based capital ratio | 21.0213% | 1,357 |
| Memoranda: | ||
| Average total assets | $60,686,500 | 4,912 |
| Average earning assets | $57,637,500 | 4,880 |
| Average equity | $7,396,000 | 4,835 |
| Average total loans | $30,466,000 | 4,963 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 1,450 |
| Cost of funding earning assets | 0.6438% | 1,334 |
| Net interest margin | 3.9509% | 1,914 |
| Noninterest income to average assets | 0.4041% | 3,611 |
| Noninterest expense to average assets | 2.5791% | 3,511 |
| Loan and lease loss provision to assets | 0.1528% | 1,477 |
| Net operating income to assets | 0.8873% | 2,782 |
| Return on assets (ROA) | 0.9525% | 2,468 |
| Pretax return on assets | 1.5145% | 1,584 |
| Return on Equity (ROE) | 7.5010% | 3,033 |
| Retained earnings to average equity (ytd only) | 5.3483% | 1,901 |
| Net charge-offs to loans | -0.0824% | 5,324 |
| Credit loss provision to net charge-offs | -360.0000% | 4,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2286% | 3,900 |
| Assets per employee ($millions) | 4.6641% | 2,931 |
| Cash dividends to net income (ytd only)* | 28.6988% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6842% | 78 |
| Loan loss allowance to noncurrent loans | 657.3964% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 3,683 |
| Noncurrent loans to loans | 0.5604% | 2,817 |
| Net loans and leases to total assets | 47.9030% | 4,773 |
| Net loans and leases to deposits | 60.5824% | 4,528 |
| Net loans and leases to core deposits | 64.4499% | 4,506 |
| Total domestic deposits to total assets | 79.0708% | 4,529 |
| Equity capital to assets | 12.2689% | 1,658 |
| Core capital (leverage) ratio | 12.4891% | 1,366 |
| Tier 1 risk-based capital ratio | 19.6179% | 1,394 |
| Total risk-based capital ratio | 20.8890% | 1,362 |
| Memoranda: | ||
| Average total assets | $58,897,000 | 4,985 |
| Average earning assets | $55,759,800 | 4,958 |
| Average equity | $7,479,000 | 4,864 |
| Average total loans | $30,348,000 | 5,016 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6340% | 1,287 |
| Cost of funding earning assets | 0.6592% | 1,184 |
| Net interest margin | 3.9748% | 1,789 |
| Noninterest income to average assets | 0.4037% | 3,660 |
| Noninterest expense to average assets | 2.5383% | 3,599 |
| Loan and lease loss provision to assets | 0.1368% | 1,568 |
| Net operating income to assets | 1.1141% | 2,026 |
| Return on assets (ROA) | 1.1517% | 1,924 |
| Pretax return on assets | 1.5326% | 1,659 |
| Return on Equity (ROE) | 8.9908% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.4033% | 1,050 |
| Net charge-offs to loans | -0.0395% | 5,088 |
| Credit loss provision to net charge-offs | -666.6667% | 4,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0532% | 4,036 |
| Assets per employee ($millions) | 4.5705% | 3,012 |
| Cash dividends to net income (ytd only)* | 6.5348% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5302% | 91 |
| Loan loss allowance to noncurrent loans | 968.1818% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 4,250 |
| Noncurrent loans to loans | 0.3646% | 3,647 |
| Net loans and leases to total assets | 48.9809% | 4,769 |
| Net loans and leases to deposits | 62.8154% | 4,453 |
| Net loans and leases to core deposits | 66.9650% | 4,425 |
| Total domestic deposits to total assets | 77.9760% | 4,730 |
| Equity capital to assets | 13.0384% | 1,371 |
| Core capital (leverage) ratio | 12.6530% | 1,352 |
| Tier 1 risk-based capital ratio | 19.8923% | 1,380 |
| Total risk-based capital ratio | 21.1614% | 1,341 |
| Memoranda: | ||
| Average total assets | $58,463,000 | 5,055 |
| Average earning assets | $55,213,500 | 5,025 |
| Average equity | $7,489,000 | 4,912 |
| Average total loans | $30,396,000 | 5,065 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 1,285 |
| Cost of funding earning assets | 0.6377% | 1,215 |
| Net interest margin | 3.9464% | 1,793 |
| Noninterest income to average assets | 0.4265% | 3,513 |
| Noninterest expense to average assets | 2.5901% | 3,466 |
| Loan and lease loss provision to assets | 0.1032% | 1,966 |
| Net operating income to assets | 1.0955% | 1,999 |
| Return on assets (ROA) | 1.1523% | 1,819 |
| Pretax return on assets | 1.5341% | 1,534 |
| Return on Equity (ROE) | 9.0504% | 2,493 |
| Retained earnings to average equity (ytd only) | 8.1589% | 1,097 |
| Net charge-offs to loans | -0.0459% | 5,144 |
| Credit loss provision to net charge-offs | -428.5714% | 4,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3861% | 3,926 |
| Assets per employee ($millions) | 4.6574% | 2,850 |
| Cash dividends to net income (ytd only)* | 9.8507% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3158% | 121 |
| Loan loss allowance to noncurrent loans | 914.1593% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 4,343 |
| Noncurrent loans to loans | 0.3627% | 3,730 |
| Net loans and leases to total assets | 49.7490% | 4,726 |
| Net loans and leases to deposits | 65.2747% | 4,278 |
| Net loans and leases to core deposits | 69.1166% | 4,290 |
| Total domestic deposits to total assets | 76.2148% | 5,065 |
| Equity capital to assets | 12.5508% | 1,594 |
| Core capital (leverage) ratio | 12.7901% | 1,260 |
| Tier 1 risk-based capital ratio | 19.0707% | 1,586 |
| Total risk-based capital ratio | 20.3382% | 1,527 |
| Memoranda: | ||
| Average total assets | $58,145,000 | 5,098 |
| Average earning assets | $54,885,330 | 5,070 |
| Average equity | $7,403,000 | 4,944 |
| Average total loans | $30,472,000 | 5,095 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5484% | 1,261 |
| Cost of funding earning assets | 0.6159% | 1,265 |
| Net interest margin | 3.9326% | 1,663 |
| Noninterest income to average assets | 0.4425% | 3,356 |
| Noninterest expense to average assets | 2.5428% | 3,681 |
| Loan and lease loss provision to assets | 0.1054% | 1,815 |
| Net operating income to assets | 1.1450% | 1,692 |
| Return on assets (ROA) | 1.1450% | 1,731 |
| Pretax return on assets | 1.5173% | 1,480 |
| Return on Equity (ROE) | 8.9254% | 2,453 |
| Retained earnings to average equity (ytd only) | 8.9254% | 1,106 |
| Net charge-offs to loans | -0.1991% | 5,622 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0455% | 4,312 |
| Assets per employee ($millions) | 4.4550% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4116% | 122 |
| Loan loss allowance to noncurrent loans | 557.6087% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 3,836 |
| Noncurrent loans to loans | 0.6118% | 2,992 |
| Net loans and leases to total assets | 50.1563% | 4,658 |
| Net loans and leases to deposits | 62.8894% | 4,375 |
| Net loans and leases to core deposits | 65.8237% | 4,438 |
| Total domestic deposits to total assets | 79.7531% | 4,672 |
| Equity capital to assets | 12.7946% | 1,352 |
| Core capital (leverage) ratio | 12.9699% | 1,156 |
| Tier 1 risk-based capital ratio | 19.4005% | 1,517 |
| Total risk-based capital ratio | 20.6693% | 1,485 |
| Memoranda: | ||
| Average total assets | $56,944,500 | 5,172 |
| Average earning assets | $53,908,500 | 5,139 |
| Average equity | $7,305,000 | 4,998 |
| Average total loans | $30,131,000 | 5,155 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 1,197 |
| Cost of funding earning assets | 0.6252% | 1,173 |
| Net interest margin | 4.0120% | 1,600 |
| Noninterest income to average assets | 0.4038% | 3,851 |
| Noninterest expense to average assets | 2.6686% | 3,455 |
| Loan and lease loss provision to assets | 0.1601% | 1,541 |
| Net operating income to assets | 1.0539% | 2,121 |
| Return on assets (ROA) | 1.0799% | 2,087 |
| Pretax return on assets | 1.4108% | 1,900 |
| Return on Equity (ROE) | 8.3655% | 2,757 |
| Retained earnings to average equity (ytd only) | 6.2293% | 1,588 |
| Net charge-offs to loans | 0.0165% | 3,742 |
| Credit loss provision to net charge-offs | 1,800.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 172.8000% | 376 |
| Efficiency ratio | 63.4518% | 4,035 |
| Assets per employee ($millions) | 4.3057% | 3,425 |
| Cash dividends to net income (ytd only)* | 25.5354% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2993% | 128 |
| Loan loss allowance to noncurrent loans | 778.1250% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 4,298 |
| Noncurrent loans to loans | 0.4240% | 3,622 |
| Net loans and leases to total assets | 52.1528% | 4,592 |
| Net loans and leases to deposits | 65.5691% | 4,282 |
| Net loans and leases to core deposits | 68.7388% | 4,344 |
| Total domestic deposits to total assets | 79.5387% | 4,671 |
| Equity capital to assets | 12.8631% | 1,318 |
| Core capital (leverage) ratio | 12.8390% | 1,194 |
| Tier 1 risk-based capital ratio | 19.1081% | 1,568 |
| Total risk-based capital ratio | 20.3754% | 1,527 |
| Memoranda: | ||
| Average total assets | $56,209,200 | 5,226 |
| Average earning assets | $53,264,800 | 5,180 |
| Average equity | $7,256,000 | 5,050 |
| Average total loans | $30,259,600 | 5,178 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 1,252 |
| Cost of funding earning assets | 0.6251% | 1,171 |
| Net interest margin | 3.9958% | 1,669 |
| Noninterest income to average assets | 0.4052% | 3,886 |
| Noninterest expense to average assets | 2.5875% | 3,709 |
| Loan and lease loss provision to assets | 0.1422% | 1,646 |
| Net operating income to assets | 1.1012% | 1,991 |
| Return on assets (ROA) | 1.1350% | 1,975 |
| Pretax return on assets | 1.5070% | 1,685 |
| Return on Equity (ROE) | 8.7847% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.1795% | 1,099 |
| Net charge-offs to loans | 0.0220% | 3,240 |
| Credit loss provision to net charge-offs | 1,200.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 135.3283% | 508 |
| Efficiency ratio | 61.7298% | 4,276 |
| Assets per employee ($millions) | 4.1873% | 3,615 |
| Cash dividends to net income (ytd only)* | 6.8895% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1311% | 162 |
| Loan loss allowance to noncurrent loans | 1,360.5634% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 4,820 |
| Noncurrent loans to loans | 0.2301% | 4,447 |
| Net loans and leases to total assets | 54.9022% | 4,414 |
| Net loans and leases to deposits | 70.1368% | 3,972 |
| Net loans and leases to core deposits | 73.6762% | 4,025 |
| Total domestic deposits to total assets | 78.2787% | 4,857 |
| Equity capital to assets | 13.7724% | 1,132 |
| Core capital (leverage) ratio | 13.0196% | 1,188 |
| Tier 1 risk-based capital ratio | 19.1963% | 1,629 |
| Total risk-based capital ratio | 20.4626% | 1,583 |
| Memoranda: | ||
| Average total assets | $56,268,000 | 5,272 |
| Average earning assets | $53,321,000 | 5,227 |
| Average equity | $7,270,000 | 5,099 |
| Average total loans | $30,277,500 | 5,229 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5855% | 1,296 |
| Cost of funding earning assets | 0.6233% | 1,172 |
| Net interest margin | 3.9623% | 1,764 |
| Noninterest income to average assets | 0.4044% | 3,848 |
| Noninterest expense to average assets | 2.5985% | 3,727 |
| Loan and lease loss provision to assets | 0.1055% | 2,096 |
| Net operating income to assets | 1.0979% | 1,965 |
| Return on assets (ROA) | 1.1217% | 1,988 |
| Pretax return on assets | 1.4874% | 1,714 |
| Return on Equity (ROE) | 8.8681% | 2,550 |
| Retained earnings to average equity (ytd only) | 7.9507% | 1,185 |
| Net charge-offs to loans | 0.0332% | 2,786 |
| Credit loss provision to net charge-offs | 600.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 88.8000% | 643 |
| Efficiency ratio | 62.4683% | 4,272 |
| Assets per employee ($millions) | 4.3039% | 3,361 |
| Cash dividends to net income (ytd only)* | 10.3448% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0000% | 196 |
| Loan loss allowance to noncurrent loans | 1,440.0000% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 4,953 |
| Noncurrent loans to loans | 0.2083% | 4,611 |
| Net loans and leases to total assets | 54.0902% | 4,507 |
| Net loans and leases to deposits | 68.3932% | 4,145 |
| Net loans and leases to core deposits | 71.7020% | 4,203 |
| Total domestic deposits to total assets | 79.0871% | 4,763 |
| Equity capital to assets | 13.2187% | 1,378 |
| Core capital (leverage) ratio | 12.4007% | 1,407 |
| Tier 1 risk-based capital ratio | 18.5636% | 1,785 |
| Total risk-based capital ratio | 19.8295% | 1,745 |
| Memoranda: | ||
| Average total assets | $56,879,000 | 5,317 |
| Average earning assets | $53,908,670 | 5,272 |
| Average equity | $7,194,330 | 5,160 |
| Average total loans | $30,086,000 | 5,290 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 1,394 |
| Cost of funding earning assets | 0.6192% | 1,221 |
| Net interest margin | 3.9216% | 1,879 |
| Noninterest income to average assets | 0.4185% | 3,696 |
| Noninterest expense to average assets | 2.4973% | 4,076 |
| Loan and lease loss provision to assets | 0.1046% | 1,957 |
| Net operating income to assets | 1.1527% | 1,704 |
| Return on assets (ROA) | 1.1998% | 1,664 |
| Pretax return on assets | 1.5904% | 1,323 |
| Return on Equity (ROE) | 9.6990% | 2,114 |
| Retained earnings to average equity (ytd only) | 9.6990% | 924 |
| Net charge-offs to loans | 0.0542% | 1,981 |
| Credit loss provision to net charge-offs | 375.0000% | 738 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 797 |
| Efficiency ratio | 60.4730% | 4,686 |
| Assets per employee ($millions) | 4.4932% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0538% | 212 |
| Loan loss allowance to noncurrent loans | 1,376.1194% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 5,023 |
| Noncurrent loans to loans | 0.2219% | 4,633 |
| Net loans and leases to total assets | 50.1096% | 4,794 |
| Net loans and leases to deposits | 62.3881% | 4,555 |
| Net loans and leases to core deposits | 65.2184% | 4,602 |
| Total domestic deposits to total assets | 80.3191% | 4,677 |
| Equity capital to assets | 12.3006% | 1,831 |
| Core capital (leverage) ratio | 12.0058% | 1,599 |
| Tier 1 risk-based capital ratio | 18.3665% | 1,893 |
| Total risk-based capital ratio | 19.6314% | 1,845 |
| Memoranda: | ||
| Average total assets | $57,343,000 | 5,353 |
| Average earning assets | $54,264,000 | 5,312 |
| Average equity | $7,093,500 | 5,215 |
| Average total loans | $29,529,000 | 5,354 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5296% | 1,509 |
| Cost of funding earning assets | 0.6410% | 1,121 |
| Net interest margin | 3.8886% | 2,069 |
| Noninterest income to average assets | 0.4131% | 3,935 |
| Noninterest expense to average assets | 2.6230% | 3,844 |
| Loan and lease loss provision to assets | 0.0969% | 2,372 |
| Net operating income to assets | 1.0458% | 2,145 |
| Return on assets (ROA) | 1.0583% | 2,173 |
| Pretax return on assets | 1.3910% | 1,936 |
| Return on Equity (ROE) | 8.4659% | 2,730 |
| Retained earnings to average equity (ytd only) | 6.3604% | 1,624 |
| Net charge-offs to loans | -0.1144% | 5,816 |
| Credit loss provision to net charge-offs | -165.6250% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0625% | 4,249 |
| Assets per employee ($millions) | 4.3288% | 3,341 |
| Cash dividends to net income (ytd only)* | 24.8705% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1560% | 187 |
| Loan loss allowance to noncurrent loans | 2,277.5000% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 5,241 |
| Noncurrent loans to loans | 0.1386% | 4,940 |
| Net loans and leases to total assets | 49.6766% | 4,900 |
| Net loans and leases to deposits | 62.0974% | 4,627 |
| Net loans and leases to core deposits | 65.0298% | 4,668 |
| Total domestic deposits to total assets | 79.9979% | 4,743 |
| Equity capital to assets | 12.4427% | 1,650 |
| Core capital (leverage) ratio | 12.0343% | 1,599 |
| Tier 1 risk-based capital ratio | 18.7169% | 1,769 |
| Total risk-based capital ratio | 19.9833% | 1,723 |
| Memoranda: | ||
| Average total assets | $54,708,800 | 5,437 |
| Average earning assets | $51,792,800 | 5,398 |
| Average equity | $6,839,200 | 5,272 |
| Average total loans | $27,974,600 | 5,442 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 1,632 |
| Cost of funding earning assets | 0.6372% | 1,165 |
| Net interest margin | 3.8492% | 2,193 |
| Noninterest income to average assets | 0.4197% | 3,934 |
| Noninterest expense to average assets | 2.6289% | 3,773 |
| Loan and lease loss provision to assets | 0.0687% | 2,800 |
| Net operating income to assets | 1.0363% | 2,294 |
| Return on assets (ROA) | 1.0530% | 2,298 |
| Pretax return on assets | 1.3918% | 2,050 |
| Return on Equity (ROE) | 8.4135% | 2,865 |
| Retained earnings to average equity (ytd only) | 7.7663% | 1,349 |
| Net charge-offs to loans | -0.0817% | 5,719 |
| Credit loss provision to net charge-offs | -164.7059% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6349% | 4,130 |
| Assets per employee ($millions) | 4.2563% | 3,413 |
| Cash dividends to net income (ytd only)* | 7.6924% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9800% | 246 |
| Loan loss allowance to noncurrent loans | 1,986.3636% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 5,337 |
| Noncurrent loans to loans | 0.1500% | 5,036 |
| Net loans and leases to total assets | 51.4259% | 4,806 |
| Net loans and leases to deposits | 64.6484% | 4,502 |
| Net loans and leases to core deposits | 67.7645% | 4,563 |
| Total domestic deposits to total assets | 79.5471% | 4,847 |
| Equity capital to assets | 12.6346% | 1,666 |
| Core capital (leverage) ratio | 12.2047% | 1,562 |
| Tier 1 risk-based capital ratio | 18.5624% | 1,881 |
| Total risk-based capital ratio | 19.8284% | 1,844 |
| Memoranda: | ||
| Average total assets | $54,317,500 | 5,519 |
| Average earning assets | $51,472,750 | 5,475 |
| Average equity | $6,798,500 | 5,346 |
| Average total loans | $27,751,750 | 5,517 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 1,649 |
| Cost of funding earning assets | 0.6415% | 1,154 |
| Net interest margin | 3.8215% | 2,235 |
| Noninterest income to average assets | 0.4261% | 3,882 |
| Noninterest expense to average assets | 2.6343% | 3,798 |
| Loan and lease loss provision to assets | 0.0556% | 2,999 |
| Net operating income to assets | 1.0235% | 2,269 |
| Return on assets (ROA) | 1.0485% | 2,255 |
| Pretax return on assets | 1.3894% | 2,022 |
| Return on Equity (ROE) | 8.4047% | 2,846 |
| Retained earnings to average equity (ytd only) | 7.4246% | 1,506 |
| Net charge-offs to loans | -0.1396% | 5,909 |
| Credit loss provision to net charge-offs | -78.9474% | 4,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1099% | 4,172 |
| Assets per employee ($millions) | 4.1276% | 3,623 |
| Cash dividends to net income (ytd only)* | 11.6608% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9784% | 273 |
| Loan loss allowance to noncurrent loans | 145.0420% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 2,192 |
| Noncurrent loans to loans | 2.0535% | 1,178 |
| Net loans and leases to total assets | 52.3901% | 4,719 |
| Net loans and leases to deposits | 64.4993% | 4,490 |
| Net loans and leases to core deposits | 67.6322% | 4,521 |
| Total domestic deposits to total assets | 81.2259% | 4,538 |
| Equity capital to assets | 12.6298% | 1,586 |
| Core capital (leverage) ratio | 12.2151% | 1,531 |
| Tier 1 risk-based capital ratio | 18.5409% | 1,910 |
| Total risk-based capital ratio | 19.8055% | 1,868 |
| Memoranda: | ||
| Average total assets | $53,979,330 | 5,583 |
| Average earning assets | $51,131,330 | 5,537 |
| Average equity | $6,734,330 | 5,403 |
| Average total loans | $27,226,000 | 5,584 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 1,686 |
| Cost of funding earning assets | 0.6429% | 1,165 |
| Net interest margin | 3.7789% | 2,302 |
| Noninterest income to average assets | 0.4064% | 3,951 |
| Noninterest expense to average assets | 2.5564% | 4,075 |
| Loan and lease loss provision to assets | 0.0591% | 2,748 |
| Net operating income to assets | 1.0196% | 2,163 |
| Return on assets (ROA) | 1.0196% | 2,309 |
| Pretax return on assets | 1.3521% | 2,063 |
| Return on Equity (ROE) | 8.2229% | 2,843 |
| Retained earnings to average equity (ytd only) | 8.2229% | 1,483 |
| Net charge-offs to loans | -0.2429% | 6,098 |
| Credit loss provision to net charge-offs | -50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4320% | 4,411 |
| Assets per employee ($millions) | 4.1476% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2951% | 215 |
| Loan loss allowance to noncurrent loans | 797.1963% | 661 |
| Noncurrent assets plus other real estate owned to assets | 1.2463% | 2,145 |
| Noncurrent loans to loans | 0.4133% | 4,349 |
| Net loans and leases to total assets | 46.4289% | 5,172 |
| Net loans and leases to deposits | 57.0719% | 4,980 |
| Net loans and leases to core deposits | 59.8184% | 5,002 |
| Total domestic deposits to total assets | 81.3517% | 4,722 |
| Equity capital to assets | 12.5967% | 1,630 |
| Core capital (leverage) ratio | 11.8449% | 1,743 |
| Tier 1 risk-based capital ratio | 19.4282% | 1,755 |
| Total risk-based capital ratio | 20.6946% | 1,709 |
| Memoranda: | ||
| Average total assets | $54,139,500 | 5,636 |
| Average earning assets | $51,019,500 | 5,588 |
| Average equity | $6,713,000 | 5,460 |
| Average total loans | $26,351,500 | 5,663 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 2,530 |
| Cost of funding earning assets | 0.6455% | 1,438 |
| Net interest margin | 3.6738% | 3,110 |
| Noninterest income to average assets | 0.4283% | 3,984 |
| Noninterest expense to average assets | 2.6214% | 4,139 |
| Loan and lease loss provision to assets | 0.1108% | 2,316 |
| Net operating income to assets | 0.8838% | 2,953 |
| Return on assets (ROA) | 0.9083% | 2,924 |
| Pretax return on assets | 1.1630% | 2,813 |
| Return on Equity (ROE) | 7.7220% | 3,261 |
| Retained earnings to average equity (ytd only) | 5.5404% | 2,235 |
| Net charge-offs to loans | -0.0280% | 5,774 |
| Credit loss provision to net charge-offs | -857.1429% | 5,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8452% | 3,922 |
| Assets per employee ($millions) | 4.1815% | 3,575 |
| Cash dividends to net income (ytd only)* | 28.2520% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0914% | 271 |
| Loan loss allowance to noncurrent loans | 931.4607% | 624 |
| Noncurrent assets plus other real estate owned to assets | 1.2031% | 2,373 |
| Noncurrent loans to loans | 0.3319% | 4,652 |
| Net loans and leases to total assets | 47.8054% | 5,174 |
| Net loans and leases to deposits | 58.3846% | 5,040 |
| Net loans and leases to core deposits | 61.1444% | 5,059 |
| Total domestic deposits to total assets | 81.8801% | 4,462 |
| Equity capital to assets | 12.2038% | 1,856 |
| Core capital (leverage) ratio | 11.5218% | 1,962 |
| Tier 1 risk-based capital ratio | 19.0699% | 1,824 |
| Total risk-based capital ratio | 20.3371% | 1,788 |
| Memoranda: | ||
| Average total assets | $54,169,800 | 5,694 |
| Average earning assets | $50,655,400 | 5,655 |
| Average equity | $6,371,400 | 5,553 |
| Average total loans | $24,976,600 | 5,781 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 2,503 |
| Cost of funding earning assets | 0.6412% | 1,521 |
| Net interest margin | 3.6888% | 3,072 |
| Noninterest income to average assets | 0.4656% | 3,764 |
| Noninterest expense to average assets | 2.5990% | 4,198 |
| Loan and lease loss provision to assets | 0.1109% | 2,194 |
| Net operating income to assets | 0.9068% | 2,880 |
| Return on assets (ROA) | 0.9386% | 2,827 |
| Pretax return on assets | 1.2416% | 2,606 |
| Return on Equity (ROE) | 8.0560% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.3582% | 1,644 |
| Net charge-offs to loans | -0.0054% | 5,310 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4776% | 4,141 |
| Assets per employee ($millions) | 4.2173% | 3,444 |
| Cash dividends to net income (ytd only)* | 8.6616% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3019% | 270 |
| Loan loss allowance to noncurrent loans | 734.5455% | 717 |
| Noncurrent assets plus other real estate owned to assets | 1.5777% | 1,936 |
| Noncurrent loans to loans | 0.4495% | 4,549 |
| Net loans and leases to total assets | 43.1610% | 5,585 |
| Net loans and leases to deposits | 52.7309% | 5,485 |
| Net loans and leases to core deposits | 54.2481% | 5,552 |
| Total domestic deposits to total assets | 81.8513% | 4,532 |
| Equity capital to assets | 11.9745% | 2,081 |
| Core capital (leverage) ratio | 11.6511% | 1,937 |
| Tier 1 risk-based capital ratio | 20.1695% | 1,630 |
| Total risk-based capital ratio | 21.4373% | 1,588 |
| Memoranda: | ||
| Average total assets | $54,122,250 | 5,754 |
| Average earning assets | $50,530,250 | 5,718 |
| Average equity | $6,305,750 | 5,622 |
| Average total loans | $24,516,750 | 5,861 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 2,157 |
| Cost of funding earning assets | 0.6420% | 1,575 |
| Net interest margin | 3.7643% | 2,698 |
| Noninterest income to average assets | 0.4342% | 3,995 |
| Noninterest expense to average assets | 2.5794% | 4,311 |
| Loan and lease loss provision to assets | 0.1113% | 2,169 |
| Net operating income to assets | 0.9446% | 2,575 |
| Return on assets (ROA) | 0.9390% | 2,712 |
| Pretax return on assets | 1.2396% | 2,502 |
| Return on Equity (ROE) | 8.1359% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.0747% | 1,736 |
| Net charge-offs to loans | 0.0408% | 3,415 |
| Credit loss provision to net charge-offs | 600.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 73.2000% | 710 |
| Efficiency ratio | 65.5042% | 4,441 |
| Assets per employee ($millions) | 4.1349% | 3,577 |
| Cash dividends to net income (ytd only)* | 13.0435% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1118% | 334 |
| Loan loss allowance to noncurrent loans | 558.1560% | 837 |
| Noncurrent assets plus other real estate owned to assets | 1.7543% | 1,856 |
| Noncurrent loans to loans | 0.5575% | 4,345 |
| Net loans and leases to total assets | 45.5854% | 5,405 |
| Net loans and leases to deposits | 55.6631% | 5,222 |
| Net loans and leases to core deposits | 57.2938% | 5,318 |
| Total domestic deposits to total assets | 81.8953% | 4,681 |
| Equity capital to assets | 11.9452% | 2,024 |
| Core capital (leverage) ratio | 11.3939% | 2,088 |
| Tier 1 risk-based capital ratio | 19.5964% | 1,785 |
| Total risk-based capital ratio | 20.8633% | 1,752 |
| Memoranda: | ||
| Average total assets | $53,888,000 | 5,811 |
| Average earning assets | $50,155,000 | 5,780 |
| Average equity | $6,219,330 | 5,673 |
| Average total loans | $24,532,000 | 5,905 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 1,904 |
| Cost of funding earning assets | 0.6398% | 1,650 |
| Net interest margin | 3.8305% | 2,340 |
| Noninterest income to average assets | 0.4448% | 3,824 |
| Noninterest expense to average assets | 2.4687% | 4,719 |
| Loan and lease loss provision to assets | 0.1112% | 2,090 |
| Net operating income to assets | 1.0676% | 1,940 |
| Return on assets (ROA) | 1.0676% | 2,007 |
| Pretax return on assets | 1.4160% | 1,692 |
| Return on Equity (ROE) | 9.4141% | 2,288 |
| Retained earnings to average equity (ytd only) | 9.4141% | 1,138 |
| Net charge-offs to loans | 0.1491% | 1,822 |
| Credit loss provision to net charge-offs | 166.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | 22.8889% | 1,235 |
| Efficiency ratio | 61.7811% | 5,153 |
| Assets per employee ($millions) | 4.1877% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2352% | 349 |
| Loan loss allowance to noncurrent loans | 313.4694% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 1.5742% | 2,243 |
| Noncurrent loans to loans | 1.0321% | 3,364 |
| Net loans and leases to total assets | 42.1951% | 5,652 |
| Net loans and leases to deposits | 51.1547% | 5,510 |
| Net loans and leases to core deposits | 52.6206% | 5,581 |
| Total domestic deposits to total assets | 82.4853% | 4,792 |
| Equity capital to assets | 11.5393% | 2,213 |
| Core capital (leverage) ratio | 11.2572% | 2,166 |
| Tier 1 risk-based capital ratio | 20.3188% | 1,641 |
| Total risk-based capital ratio | 21.5854% | 1,602 |
| Memoranda: | ||
| Average total assets | $53,955,000 | 5,865 |
| Average earning assets | $50,019,500 | 5,839 |
| Average equity | $6,118,500 | 5,721 |
| Average total loans | $24,152,500 | 5,974 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 3,665 |
| Cost of funding earning assets | 0.7203% | 1,674 |
| Net interest margin | 3.3995% | 4,274 |
| Noninterest income to average assets | 0.4221% | 4,285 |
| Noninterest expense to average assets | 2.5776% | 4,538 |
| Loan and lease loss provision to assets | 0.1126% | 2,935 |
| Net operating income to assets | 0.7506% | 3,549 |
| Return on assets (ROA) | 0.8198% | 3,284 |
| Pretax return on assets | 1.0037% | 3,334 |
| Return on Equity (ROE) | 7.2524% | 3,432 |
| Retained earnings to average equity (ytd only) | 5.0451% | 2,565 |
| Net charge-offs to loans | 1.4042% | 345 |
| Credit loss provision to net charge-offs | 18.0723% | 4,482 |
| Earnings coverage of net charge-offs (x) | 1.6566% | 4,500 |
| Efficiency ratio | 71.4137% | 3,588 |
| Assets per employee ($millions) | 4.1131% | 3,618 |
| Cash dividends to net income (ytd only)* | 30.4348% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1018% | 417 |
| Loan loss allowance to noncurrent loans | 271.1744% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 1.6701% | 2,210 |
| Noncurrent loans to loans | 1.1439% | 3,253 |
| Net loans and leases to total assets | 44.5184% | 5,626 |
| Net loans and leases to deposits | 53.7106% | 5,490 |
| Net loans and leases to core deposits | 55.2682% | 5,595 |
| Total domestic deposits to total assets | 82.8857% | 4,583 |
| Equity capital to assets | 11.1371% | 2,491 |
| Core capital (leverage) ratio | 10.9051% | 2,471 |
| Tier 1 risk-based capital ratio | 19.4591% | 1,802 |
| Total risk-based capital ratio | 20.7245% | 1,758 |
| Memoranda: | ||
| Average total assets | $53,304,400 | 5,932 |
| Average earning assets | $49,978,600 | 5,892 |
| Average equity | $6,025,600 | 5,821 |
| Average total loans | $23,644,000 | 6,049 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9629% | 4,272 |
| Cost of funding earning assets | 0.7266% | 1,759 |
| Net interest margin | 3.2363% | 4,870 |
| Noninterest income to average assets | 0.4130% | 4,428 |
| Noninterest expense to average assets | 2.4957% | 4,737 |
| Loan and lease loss provision to assets | 0.1126% | 2,889 |
| Net operating income to assets | 0.6432% | 4,162 |
| Return on assets (ROA) | 0.6984% | 4,003 |
| Pretax return on assets | 0.9212% | 3,789 |
| Return on Equity (ROE) | 6.1555% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.4274% | 2,778 |
| Net charge-offs to loans | 1.9248% | 203 |
| Credit loss provision to net charge-offs | 13.3136% | 4,177 |
| Earnings coverage of net charge-offs (x) | 1.1361% | 4,464 |
| Efficiency ratio | 72.1941% | 3,367 |
| Assets per employee ($millions) | 4.1682% | 3,490 |
| Cash dividends to net income (ytd only)* | 11.8283% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1626% | 468 |
| Loan loss allowance to noncurrent loans | 221.8563% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 1.7163% | 2,390 |
| Noncurrent loans to loans | 1.4255% | 3,032 |
| Net loans and leases to total assets | 41.8724% | 5,911 |
| Net loans and leases to deposits | 50.3562% | 5,811 |
| Net loans and leases to core deposits | 51.7895% | 5,898 |
| Total domestic deposits to total assets | 83.1525% | 4,522 |
| Equity capital to assets | 10.6780% | 3,094 |
| Core capital (leverage) ratio | 10.6360% | 2,851 |
| Tier 1 risk-based capital ratio | 19.5933% | 1,842 |
| Total risk-based capital ratio | 20.8600% | 1,799 |
| Memoranda: | ||
| Average total assets | $53,263,000 | 6,001 |
| Average earning assets | $50,096,500 | 5,951 |
| Average equity | $6,043,250 | 5,883 |
| Average total loans | $23,413,500 | 6,123 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 4,486 |
| Cost of funding earning assets | 0.7397% | 1,772 |
| Net interest margin | 3.1587% | 5,091 |
| Noninterest income to average assets | 0.4003% | 4,526 |
| Noninterest expense to average assets | 2.4549% | 4,884 |
| Loan and lease loss provision to assets | 0.1133% | 2,922 |
| Net operating income to assets | 0.6063% | 4,248 |
| Return on assets (ROA) | 0.6874% | 4,035 |
| Pretax return on assets | 0.9253% | 3,807 |
| Return on Equity (ROE) | 5.9390% | 4,209 |
| Retained earnings to average equity (ytd only) | 4.8621% | 3,139 |
| Net charge-offs to loans | 2.9563% | 102 |
| Credit loss provision to net charge-offs | 8.6705% | 3,917 |
| Earnings coverage of net charge-offs (x) | 0.7110% | 4,284 |
| Efficiency ratio | 72.5446% | 3,381 |
| Assets per employee ($millions) | 4.3850% | 3,021 |
| Cash dividends to net income (ytd only)* | 18.1319% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9665% | 601 |
| Loan loss allowance to noncurrent loans | 221.6718% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 1.6121% | 2,700 |
| Noncurrent loans to loans | 1.3382% | 3,316 |
| Net loans and leases to total assets | 41.0841% | 5,960 |
| Net loans and leases to deposits | 49.0594% | 5,917 |
| Net loans and leases to core deposits | 49.7673% | 6,033 |
| Total domestic deposits to total assets | 83.7435% | 4,432 |
| Equity capital to assets | 10.4622% | 3,353 |
| Core capital (leverage) ratio | 10.9103% | 2,441 |
| Tier 1 risk-based capital ratio | 18.7459% | 2,062 |
| Total risk-based capital ratio | 20.0104% | 2,024 |
| Memoranda: | ||
| Average total assets | $52,955,330 | 6,053 |
| Average earning assets | $50,020,330 | 5,992 |
| Average equity | $6,129,000 | 5,893 |
| Average total loans | $23,408,000 | 6,157 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 4,073 |
| Cost of funding earning assets | 0.7823% | 1,630 |
| Net interest margin | 3.2289% | 4,806 |
| Noninterest income to average assets | 0.3848% | 4,579 |
| Noninterest expense to average assets | 2.6232% | 4,325 |
| Loan and lease loss provision to assets | 0.1178% | 2,763 |
| Net operating income to assets | 0.5147% | 4,590 |
| Return on assets (ROA) | 0.6833% | 3,918 |
| Pretax return on assets | 0.9189% | 3,694 |
| Return on Equity (ROE) | 5.6025% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.6025% | 2,898 |
| Net charge-offs to loans | 0.3819% | 1,498 |
| Credit loss provision to net charge-offs | 68.1818% | 2,321 |
| Earnings coverage of net charge-offs (x) | 4.6818% | 2,502 |
| Efficiency ratio | 76.4302% | 2,857 |
| Assets per employee ($millions) | 3.9004% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4910% | 196 |
| Loan loss allowance to noncurrent loans | 100.8841% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 2.8202% | 1,602 |
| Noncurrent loans to loans | 4.4516% | 945 |
| Net loans and leases to total assets | 43.0746% | 5,756 |
| Net loans and leases to deposits | 52.9813% | 5,521 |
| Net loans and leases to core deposits | 53.8659% | 5,673 |
| Total domestic deposits to total assets | 81.3016% | 5,419 |
| Equity capital to assets | 12.3006% | 1,835 |
| Core capital (leverage) ratio | 11.2896% | 2,017 |
| Tier 1 risk-based capital ratio | 20.0561% | 1,753 |
| Total risk-based capital ratio | 21.3359% | 1,718 |
| Memoranda: | ||
| Average total assets | $50,930,500 | 6,157 |
| Average earning assets | $48,065,500 | 6,098 |
| Average equity | $6,211,500 | 5,937 |
| Average total loans | $23,044,000 | 6,218 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4018% | 3,805 |
| Cost of funding earning assets | 0.9882% | 1,418 |
| Net interest margin | 3.4136% | 4,837 |
| Noninterest income to average assets | 0.3129% | 5,214 |
| Noninterest expense to average assets | 2.7922% | 4,050 |
| Loan and lease loss provision to assets | 0.3611% | 1,837 |
| Net operating income to assets | 0.3220% | 5,392 |
| Return on assets (ROA) | 0.6880% | 4,053 |
| Pretax return on assets | 0.7723% | 4,399 |
| Return on Equity (ROE) | 5.5952% | 4,375 |
| Retained earnings to average equity (ytd only) | 3.5072% | 3,747 |
| Net charge-offs to loans | 0.3229% | 3,035 |
| Credit loss provision to net charge-offs | 246.5753% | 997 |
| Earnings coverage of net charge-offs (x) | 4.9315% | 3,201 |
| Efficiency ratio | 79.4521% | 2,218 |
| Assets per employee ($millions) | 3.9351% | 4,067 |
| Cash dividends to net income (ytd only)* | 37.3178% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4531% | 198 |
| Loan loss allowance to noncurrent loans | 106.2693% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 2.7074% | 1,779 |
| Noncurrent loans to loans | 4.1904% | 1,083 |
| Net loans and leases to total assets | 43.3693% | 5,873 |
| Net loans and leases to deposits | 54.4268% | 5,611 |
| Net loans and leases to core deposits | 55.3432% | 5,766 |
| Total domestic deposits to total assets | 79.6837% | 5,747 |
| Equity capital to assets | 12.0924% | 1,986 |
| Core capital (leverage) ratio | 11.2272% | 2,070 |
| Tier 1 risk-based capital ratio | 19.6073% | 1,784 |
| Total risk-based capital ratio | 20.8850% | 1,744 |
| Memoranda: | ||
| Average total assets | $49,853,000 | 6,216 |
| Average earning assets | $46,753,600 | 6,158 |
| Average equity | $6,130,200 | 5,988 |
| Average total loans | $22,608,400 | 6,320 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 3,476 |
| Cost of funding earning assets | 1.0187% | 1,457 |
| Net interest margin | 3.5195% | 4,567 |
| Noninterest income to average assets | 0.2934% | 5,424 |
| Noninterest expense to average assets | 2.7405% | 4,212 |
| Loan and lease loss provision to assets | 0.4038% | 1,588 |
| Net operating income to assets | 0.3416% | 5,465 |
| Return on assets (ROA) | 0.6649% | 4,336 |
| Pretax return on assets | 0.8615% | 4,257 |
| Return on Equity (ROE) | 5.3845% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.6651% | 3,612 |
| Net charge-offs to loans | 0.5047% | 2,100 |
| Credit loss provision to net charge-offs | 176.4706% | 1,577 |
| Earnings coverage of net charge-offs (x) | 3.6942% | 3,551 |
| Efficiency ratio | 76.4264% | 2,606 |
| Assets per employee ($millions) | 3.7861% | 4,336 |
| Cash dividends to net income (ytd only)* | 13.3605% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3384% | 239 |
| Loan loss allowance to noncurrent loans | 398.0080% | 944 |
| Noncurrent assets plus other real estate owned to assets | 1.9159% | 2,762 |
| Noncurrent loans to loans | 1.0900% | 4,259 |
| Net loans and leases to total assets | 44.7551% | 5,899 |
| Net loans and leases to deposits | 57.1666% | 5,514 |
| Net loans and leases to core deposits | 58.1828% | 5,717 |
| Total domestic deposits to total assets | 78.2889% | 6,018 |
| Equity capital to assets | 12.8101% | 1,701 |
| Core capital (leverage) ratio | 11.4942% | 1,990 |
| Tier 1 risk-based capital ratio | 20.1172% | 1,725 |
| Total risk-based capital ratio | 21.3962% | 1,689 |
| Memoranda: | ||
| Average total assets | $49,527,250 | 6,298 |
| Average earning assets | $46,331,500 | 6,240 |
| Average equity | $6,116,250 | 6,063 |
| Average total loans | $22,455,500 | 6,396 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 3,985 |
| Cost of funding earning assets | 1.0302% | 1,581 |
| Net interest margin | 3.4181% | 5,009 |
| Noninterest income to average assets | 0.2660% | 5,670 |
| Noninterest expense to average assets | 2.5509% | 4,958 |
| Loan and lease loss provision to assets | 0.4836% | 1,313 |
| Net operating income to assets | 0.3254% | 5,518 |
| Return on assets (ROA) | 0.7697% | 3,791 |
| Pretax return on assets | 1.0195% | 3,636 |
| Return on Equity (ROE) | 6.3106% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.2203% | 3,144 |
| Net charge-offs to loans | 0.8623% | 1,278 |
| Credit loss provision to net charge-offs | 125.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | 2.3542% | 3,829 |
| Efficiency ratio | 73.6903% | 3,125 |
| Assets per employee ($millions) | 3.7888% | 4,341 |
| Cash dividends to net income (ytd only)* | 17.2775% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1668% | 310 |
| Loan loss allowance to noncurrent loans | 250.7853% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 2.3024% | 2,431 |
| Noncurrent loans to loans | 1.6615% | 3,402 |
| Net loans and leases to total assets | 44.7334% | 5,947 |
| Net loans and leases to deposits | 56.8535% | 5,570 |
| Net loans and leases to core deposits | 58.0289% | 5,771 |
| Total domestic deposits to total assets | 78.6819% | 6,024 |
| Equity capital to assets | 12.5228% | 1,801 |
| Core capital (leverage) ratio | 11.3813% | 1,985 |
| Tier 1 risk-based capital ratio | 19.6413% | 1,804 |
| Total risk-based capital ratio | 20.9167% | 1,763 |
| Memoranda: | ||
| Average total assets | $49,630,000 | 6,326 |
| Average earning assets | $46,399,670 | 6,280 |
| Average equity | $6,053,330 | 6,106 |
| Average total loans | $22,265,000 | 6,451 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 4,829 |
| Cost of funding earning assets | 1.0346% | 1,775 |
| Net interest margin | 3.2406% | 5,661 |
| Noninterest income to average assets | 0.2730% | 5,687 |
| Noninterest expense to average assets | 2.6818% | 4,494 |
| Loan and lease loss provision to assets | 0.2409% | 2,541 |
| Net operating income to assets | 0.2958% | 5,676 |
| Return on assets (ROA) | 0.5460% | 4,827 |
| Pretax return on assets | 0.7226% | 4,719 |
| Return on Equity (ROE) | 4.5364% | 5,021 |
| Retained earnings to average equity (ytd only) | 4.5364% | 3,860 |
| Net charge-offs to loans | -0.2739% | 7,043 |
| Credit loss provision to net charge-offs | -200.0000% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8717% | 2,096 |
| Assets per employee ($millions) | 4.3113% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5353% | 245 |
| Loan loss allowance to noncurrent loans | 166.4966% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 2.3968% | 2,476 |
| Noncurrent loans to loans | 2.7240% | 2,394 |
| Net loans and leases to total assets | 39.8318% | 6,359 |
| Net loans and leases to deposits | 49.8380% | 6,155 |
| Net loans and leases to core deposits | 50.7987% | 6,289 |
| Total domestic deposits to total assets | 79.9227% | 5,869 |
| Equity capital to assets | 11.8199% | 2,166 |
| Core capital (leverage) ratio | 11.3705% | 1,990 |
| Tier 1 risk-based capital ratio | 19.6363% | 1,799 |
| Total risk-based capital ratio | 20.9143% | 1,765 |
| Memoranda: | ||
| Average total assets | $49,818,000 | 6,373 |
| Average earning assets | $46,781,000 | 6,302 |
| Average equity | $5,996,000 | 6,149 |
| Average total loans | $21,902,000 | 6,519 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0493% | 2,657 |
| Cost of funding earning assets | 1.2226% | 1,884 |
| Net interest margin | 3.8267% | 3,690 |
| Noninterest income to average assets | 0.2963% | 5,406 |
| Noninterest expense to average assets | 2.5960% | 5,110 |
| Loan and lease loss provision to assets | 0.3004% | 3,263 |
| Net operating income to assets | 0.7698% | 3,178 |
| Return on assets (ROA) | 0.9282% | 2,611 |
| Pretax return on assets | 1.1954% | 2,477 |
| Return on Equity (ROE) | 8.0310% | 2,883 |
| Retained earnings to average equity (ytd only) | 5.6468% | 2,212 |
| Net charge-offs to loans | 0.7957% | 2,168 |
| Credit loss provision to net charge-offs | 78.3784% | 4,529 |
| Earnings coverage of net charge-offs (x) | 3.3730% | 3,543 |
| Efficiency ratio | 66.7555% | 4,614 |
| Assets per employee ($millions) | 3.9918% | 3,877 |
| Cash dividends to net income (ytd only)* | 29.6875% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2038% | 323 |
| Loan loss allowance to noncurrent loans | 204.3764% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 2.3152% | 2,608 |
| Noncurrent loans to loans | 2.0569% | 3,133 |
| Net loans and leases to total assets | 44.4333% | 6,168 |
| Net loans and leases to deposits | 56.1909% | 5,875 |
| Net loans and leases to core deposits | 56.9853% | 6,080 |
| Total domestic deposits to total assets | 79.0756% | 5,978 |
| Equity capital to assets | 12.2691% | 1,931 |
| Core capital (leverage) ratio | 11.1002% | 2,191 |
| Tier 1 risk-based capital ratio | 19.3278% | 1,805 |
| Total risk-based capital ratio | 20.6051% | 1,772 |
| Memoranda: | ||
| Average total assets | $48,266,400 | 6,413 |
| Average earning assets | $45,313,400 | 6,350 |
| Average equity | $5,578,400 | 6,266 |
| Average total loans | $23,251,200 | 6,499 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1427% | 2,414 |
| Cost of funding earning assets | 1.2379% | 2,076 |
| Net interest margin | 3.9048% | 3,358 |
| Noninterest income to average assets | 0.2867% | 5,557 |
| Noninterest expense to average assets | 2.6303% | 4,971 |
| Loan and lease loss provision to assets | 0.2619% | 3,409 |
| Net operating income to assets | 0.7954% | 3,188 |
| Return on assets (ROA) | 0.9650% | 2,628 |
| Pretax return on assets | 1.2821% | 2,354 |
| Return on Equity (ROE) | 8.4789% | 2,829 |
| Retained earnings to average equity (ytd only) | 7.6795% | 1,635 |
| Net charge-offs to loans | 0.3233% | 3,482 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 8.3858% | 2,187 |
| Efficiency ratio | 66.6201% | 4,599 |
| Assets per employee ($millions) | 4.4466% | 3,006 |
| Cash dividends to net income (ytd only)* | 9.4287% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3717% | 295 |
| Loan loss allowance to noncurrent loans | 139.2022% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 2.1242% | 3,003 |
| Noncurrent loans to loans | 3.1405% | 2,216 |
| Net loans and leases to total assets | 45.2579% | 6,215 |
| Net loans and leases to deposits | 57.0703% | 5,928 |
| Net loans and leases to core deposits | 57.8579% | 6,137 |
| Total domestic deposits to total assets | 79.3020% | 5,919 |
| Equity capital to assets | 12.0132% | 2,241 |
| Core capital (leverage) ratio | 11.0655% | 2,334 |
| Tier 1 risk-based capital ratio | 19.0155% | 1,929 |
| Total risk-based capital ratio | 20.2891% | 1,897 |
| Memoranda: | ||
| Average total assets | $48,357,750 | 6,470 |
| Average earning assets | $45,344,500 | 6,408 |
| Average equity | $5,503,750 | 6,336 |
| Average total loans | $23,509,500 | 6,559 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1644% | 2,398 |
| Cost of funding earning assets | 1.2568% | 2,211 |
| Net interest margin | 3.9076% | 3,272 |
| Noninterest income to average assets | 0.2782% | 5,659 |
| Noninterest expense to average assets | 2.5118% | 5,487 |
| Loan and lease loss provision to assets | 0.2491% | 3,417 |
| Net operating income to assets | 0.8885% | 2,693 |
| Return on assets (ROA) | 0.9009% | 2,746 |
| Pretax return on assets | 1.1999% | 2,479 |
| Return on Equity (ROE) | 8.0674% | 2,922 |
| Retained earnings to average equity (ytd only) | 6.8406% | 1,952 |
| Net charge-offs to loans | 0.0085% | 5,736 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 345.0000% | 96 |
| Efficiency ratio | 63.6842% | 5,303 |
| Assets per employee ($millions) | 4.5000% | 2,834 |
| Cash dividends to net income (ytd only)* | 15.2074% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2714% | 343 |
| Loan loss allowance to noncurrent loans | 158.4356% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 1.9434% | 3,318 |
| Noncurrent loans to loans | 2.6960% | 2,703 |
| Net loans and leases to total assets | 46.7697% | 6,181 |
| Net loans and leases to deposits | 58.4002% | 5,887 |
| Net loans and leases to core deposits | 59.1855% | 6,173 |
| Total domestic deposits to total assets | 80.0848% | 5,801 |
| Equity capital to assets | 11.4364% | 2,565 |
| Core capital (leverage) ratio | 10.6566% | 2,562 |
| Tier 1 risk-based capital ratio | 18.0644% | 2,156 |
| Total risk-based capital ratio | 19.3425% | 2,096 |
| Memoranda: | ||
| Average total assets | $48,172,670 | 6,535 |
| Average earning assets | $45,194,330 | 6,466 |
| Average equity | $5,379,670 | 6,418 |
| Average total loans | $23,629,670 | 6,609 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9955% | 3,123 |
| Cost of funding earning assets | 1.2915% | 2,234 |
| Net interest margin | 3.7040% | 4,078 |
| Noninterest income to average assets | 0.3620% | 5,019 |
| Noninterest expense to average assets | 2.5006% | 5,549 |
| Loan and lease loss provision to assets | 0.2526% | 3,132 |
| Net operating income to assets | 0.8167% | 2,945 |
| Return on assets (ROA) | 0.8167% | 3,002 |
| Pretax return on assets | 1.0861% | 2,808 |
| Return on Equity (ROE) | 7.4060% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.4060% | 1,985 |
| Net charge-offs to loans | -0.1199% | 7,134 |
| Credit loss provision to net charge-offs | -428.5714% | 5,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1316% | 5,180 |
| Assets per employee ($millions) | 4.3927% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3409% | 336 |
| Loan loss allowance to noncurrent loans | 197.8474% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 1.7715% | 3,614 |
| Noncurrent loans to loans | 2.1941% | 3,327 |
| Net loans and leases to total assets | 46.1072% | 6,279 |
| Net loans and leases to deposits | 59.9301% | 5,733 |
| Net loans and leases to core deposits | 60.7885% | 6,039 |
| Total domestic deposits to total assets | 76.9350% | 6,546 |
| Equity capital to assets | 11.0596% | 2,628 |
| Core capital (leverage) ratio | 10.9163% | 2,246 |
| Tier 1 risk-based capital ratio | 18.1295% | 2,079 |
| Total risk-based capital ratio | 19.4093% | 2,033 |
| Memoranda: | ||
| Average total assets | $47,509,000 | 6,597 |
| Average earning assets | $44,600,000 | 6,541 |
| Average equity | $5,239,000 | 6,471 |
| Average total loans | $23,352,500 | 6,677 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3500% | 2,897 |
| Cost of funding earning assets | 1.5108% | 2,570 |
| Net interest margin | 3.8392% | 3,780 |
| Noninterest income to average assets | 0.2239% | 6,204 |
| Noninterest expense to average assets | 2.5287% | 5,689 |
| Loan and lease loss provision to assets | 0.4648% | 3,343 |
| Net operating income to assets | 0.6359% | 3,504 |
| Return on assets (ROA) | 0.8007% | 2,931 |
| Pretax return on assets | 1.0330% | 2,831 |
| Return on Equity (ROE) | 6.9363% | 3,152 |
| Retained earnings to average equity (ytd only) | 4.6486% | 2,639 |
| Net charge-offs to loans | 0.3759% | 4,158 |
| Credit loss provision to net charge-offs | 244.4444% | 1,178 |
| Earnings coverage of net charge-offs (x) | 6.7667% | 2,284 |
| Efficiency ratio | 66.2791% | 4,923 |
| Assets per employee ($millions) | 4.2453% | 3,299 |
| Cash dividends to net income (ytd only)* | 32.9815% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1597% | 349 |
| Loan loss allowance to noncurrent loans | 281.5029% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 1.5290% | 4,025 |
| Noncurrent loans to loans | 1.4777% | 4,268 |
| Net loans and leases to total assets | 48.0556% | 6,386 |
| Net loans and leases to deposits | 62.6774% | 5,775 |
| Net loans and leases to core deposits | 63.6065% | 6,087 |
| Total domestic deposits to total assets | 76.6714% | 6,535 |
| Equity capital to assets | 10.9940% | 2,692 |
| Core capital (leverage) ratio | 10.7603% | 2,336 |
| Tier 1 risk-based capital ratio | 17.8573% | 2,047 |
| Total risk-based capital ratio | 19.1348% | 1,999 |
| Memoranda: | ||
| Average total assets | $47,336,000 | 6,626 |
| Average earning assets | $44,280,600 | 6,571 |
| Average equity | $5,464,000 | 6,516 |
| Average total loans | $23,941,800 | 6,731 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4222% | 2,782 |
| Cost of funding earning assets | 1.5380% | 2,731 |
| Net interest margin | 3.8841% | 3,590 |
| Noninterest income to average assets | 0.2470% | 6,128 |
| Noninterest expense to average assets | 2.6135% | 5,269 |
| Loan and lease loss provision to assets | 0.5053% | 2,931 |
| Net operating income to assets | 0.5723% | 3,995 |
| Return on assets (ROA) | 0.7579% | 3,343 |
| Pretax return on assets | 1.0022% | 3,175 |
| Return on Equity (ROE) | 6.4904% | 3,583 |
| Retained earnings to average equity (ytd only) | 5.6250% | 2,577 |
| Net charge-offs to loans | 0.1218% | 5,330 |
| Credit loss provision to net charge-offs | 818.1818% | 365 |
| Earnings coverage of net charge-offs (x) | 20.4565% | 1,164 |
| Efficiency ratio | 67.4149% | 4,581 |
| Assets per employee ($millions) | 4.2457% | 3,360 |
| Cash dividends to net income (ytd only)* | 13.3337% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2651% | 294 |
| Loan loss allowance to noncurrent loans | 219.2560% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 1.7601% | 3,801 |
| Noncurrent loans to loans | 1.9453% | 3,753 |
| Net loans and leases to total assets | 48.1575% | 6,507 |
| Net loans and leases to deposits | 64.0733% | 5,908 |
| Net loans and leases to core deposits | 65.0386% | 6,206 |
| Total domestic deposits to total assets | 75.1601% | 6,785 |
| Equity capital to assets | 12.2476% | 2,008 |
| Core capital (leverage) ratio | 11.4804% | 1,949 |
| Tier 1 risk-based capital ratio | 18.7853% | 1,798 |
| Total risk-based capital ratio | 20.0614% | 1,760 |
| Memoranda: | ||
| Average total assets | $47,495,500 | 6,704 |
| Average earning assets | $44,384,500 | 6,641 |
| Average equity | $5,546,500 | 6,581 |
| Average total loans | $24,073,500 | 6,818 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3907% | 3,011 |
| Cost of funding earning assets | 1.5729% | 2,813 |
| Net interest margin | 3.8179% | 3,816 |
| Noninterest income to average assets | 0.2345% | 6,230 |
| Noninterest expense to average assets | 2.5293% | 5,608 |
| Loan and lease loss provision to assets | 0.5025% | 2,789 |
| Net operating income to assets | 0.5789% | 3,957 |
| Return on assets (ROA) | 0.7328% | 3,417 |
| Pretax return on assets | 0.9757% | 3,221 |
| Return on Equity (ROE) | 6.3768% | 3,607 |
| Retained earnings to average equity (ytd only) | 5.0650% | 2,870 |
| Net charge-offs to loans | -0.0165% | 7,257 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5198% | 4,879 |
| Assets per employee ($millions) | 4.3104% | 3,191 |
| Cash dividends to net income (ytd only)* | 20.5714% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0569% | 356 |
| Loan loss allowance to noncurrent loans | 312.6214% | 933 |
| Noncurrent assets plus other real estate owned to assets | 1.5228% | 4,175 |
| Noncurrent loans to loans | 1.2977% | 4,786 |
| Net loans and leases to total assets | 48.1820% | 6,614 |
| Net loans and leases to deposits | 63.4196% | 6,097 |
| Net loans and leases to core deposits | 64.3449% | 6,376 |
| Total domestic deposits to total assets | 75.9733% | 6,702 |
| Equity capital to assets | 11.7623% | 2,234 |
| Core capital (leverage) ratio | 11.0658% | 2,191 |
| Tier 1 risk-based capital ratio | 18.0704% | 1,943 |
| Total risk-based capital ratio | 19.3472% | 1,903 |
| Memoranda: | ||
| Average total assets | $47,759,670 | 6,737 |
| Average earning assets | $44,632,330 | 6,674 |
| Average equity | $5,488,670 | 6,616 |
| Average total loans | $24,267,000 | 6,845 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4620% | 2,771 |
| Cost of funding earning assets | 1.6101% | 2,897 |
| Net interest margin | 3.8519% | 3,556 |
| Noninterest income to average assets | 0.1502% | 6,893 |
| Noninterest expense to average assets | 2.7038% | 4,890 |
| Loan and lease loss provision to assets | 0.5007% | 2,494 |
| Net operating income to assets | 0.4146% | 4,774 |
| Return on assets (ROA) | 0.5257% | 4,396 |
| Pretax return on assets | 0.7093% | 4,199 |
| Return on Equity (ROE) | 4.6285% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.6285% | 3,358 |
| Net charge-offs to loans | -0.0816% | 7,478 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8404% | 3,958 |
| Assets per employee ($millions) | 4.4384% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7259% | 462 |
| Loan loss allowance to noncurrent loans | 193.4043% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 1.8086% | 3,774 |
| Noncurrent loans to loans | 1.9265% | 3,893 |
| Net loans and leases to total assets | 48.1095% | 6,667 |
| Net loans and leases to deposits | 62.6982% | 6,210 |
| Net loans and leases to core deposits | 64.1031% | 6,442 |
| Total domestic deposits to total assets | 76.7318% | 6,618 |
| Equity capital to assets | 11.2920% | 2,511 |
| Core capital (leverage) ratio | 10.8100% | 2,364 |
| Tier 1 risk-based capital ratio | 17.3161% | 2,142 |
| Total risk-based capital ratio | 18.5874% | 2,096 |
| Memoranda: | ||
| Average total assets | $47,932,500 | 6,808 |
| Average earning assets | $44,965,000 | 6,744 |
| Average equity | $5,444,500 | 6,690 |
| Average total loans | $24,495,000 | 6,910 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0957% | 1,528 |
| Cost of funding earning assets | 1.9868% | 3,018 |
| Net interest margin | 4.1088% | 2,414 |
| Noninterest income to average assets | 0.3754% | 5,412 |
| Noninterest expense to average assets | 2.7769% | 5,066 |
| Loan and lease loss provision to assets | 0.5887% | 3,440 |
| Net operating income to assets | 0.6656% | 3,081 |
| Return on assets (ROA) | 0.8264% | 2,516 |
| Pretax return on assets | 1.0686% | 2,349 |
| Return on Equity (ROE) | 7.2773% | 2,676 |
| Retained earnings to average equity (ytd only) | 5.0471% | 1,797 |
| Net charge-offs to loans | 0.1589% | 5,686 |
| Credit loss provision to net charge-offs | 679.4872% | 427 |
| Earnings coverage of net charge-offs (x) | 16.7179% | 1,235 |
| Efficiency ratio | 65.7203% | 5,452 |
| Assets per employee ($millions) | 3.6187% | 4,738 |
| Cash dividends to net income (ytd only)* | 30.6452% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4319% | 558 |
| Loan loss allowance to noncurrent loans | 175.4678% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 2.2341% | 3,088 |
| Noncurrent loans to loans | 1.9558% | 3,724 |
| Net loans and leases to total assets | 50.4836% | 6,582 |
| Net loans and leases to deposits | 66.7576% | 5,971 |
| Net loans and leases to core deposits | 81.5612% | 5,949 |
| Total domestic deposits to total assets | 75.6223% | 6,755 |
| Equity capital to assets | 11.4278% | 2,368 |
| Core capital (leverage) ratio | 10.9336% | 2,264 |
| Tier 1 risk-based capital ratio | 17.1915% | 2,100 |
| Total risk-based capital ratio | 18.4623% | 2,052 |
| Memoranda: | ||
| Average total assets | $45,014,000 | 6,913 |
| Average earning assets | $42,177,400 | 6,855 |
| Average equity | $5,111,800 | 6,904 |
| Average total loans | $24,549,400 | 6,943 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1478% | 1,498 |
| Cost of funding earning assets | 2.0557% | 3,092 |
| Net interest margin | 4.0921% | 2,433 |
| Noninterest income to average assets | 0.4044% | 5,243 |
| Noninterest expense to average assets | 2.8969% | 4,468 |
| Loan and lease loss provision to assets | 0.6141% | 2,934 |
| Net operating income to assets | 0.5529% | 3,782 |
| Return on assets (ROA) | 0.7669% | 3,014 |
| Pretax return on assets | 1.0155% | 2,856 |
| Return on Equity (ROE) | 6.7645% | 3,177 |
| Retained earnings to average equity (ytd only) | 5.8134% | 2,037 |
| Net charge-offs to loans | 0.2771% | 4,308 |
| Credit loss provision to net charge-offs | 401.9608% | 985 |
| Earnings coverage of net charge-offs (x) | 8.8234% | 2,193 |
| Efficiency ratio | 68.2428% | 4,922 |
| Assets per employee ($millions) | 3.5396% | 4,835 |
| Cash dividends to net income (ytd only)* | 14.0630% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0763% | 631 |
| Loan loss allowance to noncurrent loans | 167.4620% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 2.2406% | 3,047 |
| Noncurrent loans to loans | 1.8370% | 3,858 |
| Net loans and leases to total assets | 52.8589% | 6,519 |
| Net loans and leases to deposits | 70.3791% | 5,862 |
| Net loans and leases to core deposits | 85.0812% | 5,960 |
| Total domestic deposits to total assets | 75.1059% | 6,753 |
| Equity capital to assets | 11.5810% | 2,522 |
| Core capital (leverage) ratio | 11.1411% | 2,307 |
| Tier 1 risk-based capital ratio | 17.0255% | 2,269 |
| Total risk-based capital ratio | 18.2935% | 2,212 |
| Memoranda: | ||
| Average total assets | $44,506,750 | 6,983 |
| Average earning assets | $41,770,000 | 6,921 |
| Average equity | $5,045,750 | 6,984 |
| Average total loans | $24,538,500 | 7,002 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2054% | 1,433 |
| Cost of funding earning assets | 2.1477% | 3,055 |
| Net interest margin | 4.0578% | 2,476 |
| Noninterest income to average assets | 0.3591% | 5,638 |
| Noninterest expense to average assets | 2.8543% | 4,715 |
| Loan and lease loss provision to assets | 0.6590% | 2,452 |
| Net operating income to assets | 0.4896% | 4,123 |
| Return on assets (ROA) | 0.6727% | 3,486 |
| Pretax return on assets | 0.8908% | 3,376 |
| Return on Equity (ROE) | 5.9782% | 3,661 |
| Retained earnings to average equity (ytd only) | 4.5240% | 2,777 |
| Net charge-offs to loans | 0.0411% | 5,891 |
| Credit loss provision to net charge-offs | 2,900.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 57.6000% | 618 |
| Efficiency ratio | 68.5590% | 5,052 |
| Assets per employee ($millions) | 3.4203% | 5,019 |
| Cash dividends to net income (ytd only)* | 24.3243% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0986% | 521 |
| Loan loss allowance to noncurrent loans | 97.5547% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 2.3007% | 2,830 |
| Noncurrent loans to loans | 3.1762% | 2,249 |
| Net loans and leases to total assets | 53.3128% | 6,530 |
| Net loans and leases to deposits | 70.9582% | 5,875 |
| Net loans and leases to core deposits | 85.2729% | 5,988 |
| Total domestic deposits to total assets | 75.1327% | 6,738 |
| Equity capital to assets | 11.2473% | 2,719 |
| Core capital (leverage) ratio | 11.2071% | 2,258 |
| Tier 1 risk-based capital ratio | 16.7408% | 2,386 |
| Total risk-based capital ratio | 18.0077% | 2,325 |
| Memoranda: | ||
| Average total assets | $44,004,000 | 7,057 |
| Average earning assets | $41,254,330 | 7,000 |
| Average equity | $4,951,330 | 7,083 |
| Average total loans | $24,353,000 | 7,062 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2432% | 1,466 |
| Cost of funding earning assets | 2.2150% | 3,090 |
| Net interest margin | 4.0282% | 2,541 |
| Noninterest income to average assets | 0.3655% | 5,510 |
| Noninterest expense to average assets | 2.8419% | 4,373 |
| Loan and lease loss provision to assets | 0.7767% | 1,654 |
| Net operating income to assets | 0.3996% | 4,863 |
| Return on assets (ROA) | 0.4934% | 4,636 |
| Pretax return on assets | 0.6214% | 4,689 |
| Return on Equity (ROE) | 4.3845% | 4,754 |
| Retained earnings to average equity (ytd only) | 4.3845% | 3,478 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9579% | 4,782 |
| Assets per employee ($millions) | 3.4282% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9376% | 506 |
| Loan loss allowance to noncurrent loans | 89.8977% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 2.3516% | 2,439 |
| Noncurrent loans to loans | 3.2677% | 1,971 |
| Net loans and leases to total assets | 52.1205% | 6,669 |
| Net loans and leases to deposits | 69.2278% | 6,054 |
| Net loans and leases to core deposits | 82.9009% | 6,155 |
| Total domestic deposits to total assets | 75.2883% | 6,646 |
| Equity capital to assets | 11.2059% | 2,805 |
| Core capital (leverage) ratio | 11.3058% | 2,275 |
| Tier 1 risk-based capital ratio | 16.8683% | 2,379 |
| Total risk-based capital ratio | 18.1326% | 2,310 |
| Memoranda: | ||
| Average total assets | $43,774,000 | 7,110 |
| Average earning assets | $40,812,500 | 7,066 |
| Average equity | $4,926,500 | 7,136 |
| Average total loans | $24,298,000 | 7,113 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2262% | 694 |
| Cost of funding earning assets | 2.6786% | 3,266 |
| Net interest margin | 4.5476% | 1,317 |
| Noninterest income to average assets | 0.5061% | 4,574 |
| Noninterest expense to average assets | 2.8542% | 4,586 |
| Loan and lease loss provision to assets | 1.5134% | 886 |
| Net operating income to assets | 0.4257% | 5,052 |
| Return on assets (ROA) | 0.4706% | 4,687 |
| Pretax return on assets | 0.4469% | 5,128 |
| Return on Equity (ROE) | 4.0789% | 4,790 |
| Retained earnings to average equity (ytd only) | 1.1273% | 4,556 |
| Net charge-offs to loans | 1.9810% | 545 |
| Credit loss provision to net charge-offs | 126.7327% | 4,214 |
| Earnings coverage of net charge-offs (x) | 1.6040% | 5,291 |
| Efficiency ratio | 59.8413% | 6,379 |
| Assets per employee ($millions) | 3.3063% | 5,196 |
| Cash dividends to net income (ytd only)* | 72.3618% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5056% | 675 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.3959% | 3,403 |
| Noncurrent loans to loans | 1.2528% | 4,008 |
| Net loans and leases to total assets | 55.9467% | 6,443 |
| Net loans and leases to deposits | 75.1704% | 5,711 |
| Net loans and leases to core deposits | 90.3581% | 5,772 |
| Total domestic deposits to total assets | 74.4265% | 6,574 |
| Equity capital to assets | 11.3047% | 2,799 |
| Core capital (leverage) ratio | 11.1791% | 2,442 |
| Tier 1 risk-based capital ratio | 16.3325% | 2,544 |
| Total risk-based capital ratio | 17.5935% | 2,479 |
| Memoranda: | ||
| Average total assets | $42,288,200 | 7,117 |
| Average earning assets | $39,647,400 | 7,058 |
| Average equity | $4,878,800 | 7,185 |
| Average total loans | $25,492,800 | 6,993 |