Home > The Sherwood State Bank > Performance and Condition Ratios
The Sherwood State Bank, 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 | 5.3262% | 1,444 |
| Cost of funding earning assets | 1.0240% | 3,245 |
| Net interest margin | 4.3022% | 808 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 3.5569% | 541 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.6649% | 3,283 |
| Return on assets (ROA) | 0.6649% | 3,264 |
| Pretax return on assets | 0.7464% | 3,347 |
| Return on Equity (ROE) | 5.7900% | 3,567 |
| Retained earnings to average equity (ytd only) | 4.1360% | 2,910 |
| Net charge-offs to loans | 0.0213% | 1,915 |
| Credit loss provision to net charge-offs | 507.1429% | 660 |
| Earnings coverage of net charge-offs (x) | 54.1429% | 1,246 |
| Efficiency ratio | 81.2004% | 836 |
| Assets per employee ($millions) | 3.6700% | 4,248 |
| Cash dividends to net income (ytd only)* | 28.5948% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 2,117 |
| Loan loss allowance to noncurrent loans | 77.6952% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.1276% | 405 |
| Noncurrent loans to loans | 1.5824% | 416 |
| Net loans and leases to total assets | 70.3800% | 1,765 |
| Net loans and leases to deposits | 85.9780% | 1,616 |
| Net loans and leases to core deposits | 92.5171% | 1,869 |
| Total domestic deposits to total assets | 81.8600% | 3,151 |
| Equity capital to assets | 11.6747% | 1,232 |
| Core capital (leverage) ratio | 13.1031% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $92,046,400 | 3,898 |
| Average earning assets | $83,980,400 | 3,893 |
| Average equity | $10,565,800 | 3,655 |
| Average total loans | $65,715,400 | 3,614 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0716% | 1,690 |
| Cost of funding earning assets | 0.8904% | 3,297 |
| Net interest margin | 4.1812% | 948 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 3.5430% | 521 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.5761% | 3,609 |
| Return on assets (ROA) | 0.5761% | 3,594 |
| Pretax return on assets | 0.6346% | 3,671 |
| Return on Equity (ROE) | 5.0500% | 3,799 |
| Retained earnings to average equity (ytd only) | 2.8071% | 3,554 |
| Net charge-offs to loans | 0.0246% | 1,588 |
| Credit loss provision to net charge-offs | 525.0000% | 611 |
| Earnings coverage of net charge-offs (x) | 41.4167% | 1,427 |
| Efficiency ratio | 82.9795% | 668 |
| Assets per employee ($millions) | 3.5869% | 4,300 |
| Cash dividends to net income (ytd only)* | 44.4162% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,173 |
| Loan loss allowance to noncurrent loans | 55.4442% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.6052% | 220 |
| Noncurrent loans to loans | 2.2359% | 239 |
| Net loans and leases to total assets | 70.9000% | 1,716 |
| Net loans and leases to deposits | 87.8351% | 1,403 |
| Net loans and leases to core deposits | 93.7690% | 1,690 |
| Total domestic deposits to total assets | 80.7200% | 3,429 |
| Equity capital to assets | 11.1249% | 1,296 |
| Core capital (leverage) ratio | 12.9458% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $91,182,750 | 3,917 |
| Average earning assets | $83,259,000 | 3,910 |
| Average equity | $10,402,000 | 3,679 |
| Average total loans | $65,145,250 | 3,631 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9480% | 1,657 |
| Cost of funding earning assets | 0.7538% | 3,338 |
| Net interest margin | 4.1942% | 941 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 3.5120% | 533 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.6034% | 3,561 |
| Return on assets (ROA) | 0.6034% | 3,571 |
| Pretax return on assets | 0.6675% | 3,667 |
| Return on Equity (ROE) | 5.2400% | 3,852 |
| Retained earnings to average equity (ytd only) | 3.2274% | 3,416 |
| Net charge-offs to loans | 0.0372% | 1,165 |
| Credit loss provision to net charge-offs | 366.6667% | 766 |
| Earnings coverage of net charge-offs (x) | 28.8333% | 1,571 |
| Efficiency ratio | 82.1189% | 700 |
| Assets per employee ($millions) | 3.8338% | 4,248 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,346 |
| Loan loss allowance to noncurrent loans | 52.3871% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.6846% | 192 |
| Noncurrent loans to loans | 2.3301% | 208 |
| Net loans and leases to total assets | 71.4200% | 1,592 |
| Net loans and leases to deposits | 84.1334% | 1,657 |
| Net loans and leases to core deposits | 88.8728% | 1,872 |
| Total domestic deposits to total assets | 84.8800% | 2,577 |
| Equity capital to assets | 11.3412% | 1,252 |
| Core capital (leverage) ratio | 12.9436% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $90,490,667 | 3,937 |
| Average earning assets | $82,781,333 | 3,925 |
| Average equity | $10,411,000 | 3,685 |
| Average total loans | $64,542,333 | 3,646 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 1,522 |
| Cost of funding earning assets | 0.5606% | 3,498 |
| Net interest margin | 4.2802% | 838 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 3.4949% | 541 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.7177% | 3,426 |
| Return on assets (ROA) | 0.7177% | 3,381 |
| Pretax return on assets | 0.8158% | 3,436 |
| Return on Equity (ROE) | 6.1900% | 3,679 |
| Retained earnings to average equity (ytd only) | 2.1541% | 3,673 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.2456% | 809 |
| Assets per employee ($millions) | 3.6435% | 4,374 |
| Cash dividends to net income (ytd only)* | 65.2174% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 2,486 |
| Loan loss allowance to noncurrent loans | 56.3169% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.5381% | 205 |
| Noncurrent loans to loans | 2.1554% | 250 |
| Net loans and leases to total assets | 70.5000% | 1,573 |
| Net loans and leases to deposits | 85.2715% | 1,407 |
| Net loans and leases to core deposits | 86.4948% | 1,835 |
| Total domestic deposits to total assets | 82.6700% | 3,361 |
| Equity capital to assets | 11.4308% | 1,178 |
| Core capital (leverage) ratio | 12.9526% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $89,731,000 | 3,998 |
| Average earning assets | $82,051,500 | 3,991 |
| Average equity | $10,399,000 | 3,731 |
| Average total loans | $63,553,000 | 3,705 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5855% | 430 |
| Cost of funding earning assets | 0.2336% | 2,887 |
| Net interest margin | 4.3519% | 305 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 3.3122% | 587 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.7158% | 3,523 |
| Return on assets (ROA) | 0.7158% | 3,470 |
| Pretax return on assets | 0.8390% | 3,494 |
| Return on Equity (ROE) | 7.3200% | 3,516 |
| Retained earnings to average equity (ytd only) | 5.6619% | 2,871 |
| Net charge-offs to loans | 0.0049% | 2,004 |
| Credit loss provision to net charge-offs | 1,650.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 285.5000% | 491 |
| Efficiency ratio | 78.8126% | 853 |
| Assets per employee ($millions) | 4.3025% | 4,175 |
| Cash dividends to net income (ytd only)* | 22.6580% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 3,277 |
| Loan loss allowance to noncurrent loans | 66.0714% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.1063% | 395 |
| Noncurrent loans to loans | 1.5821% | 435 |
| Net loans and leases to total assets | 69.2000% | 1,551 |
| Net loans and leases to deposits | 78.4602% | 1,677 |
| Net loans and leases to core deposits | 78.7330% | 1,990 |
| Total domestic deposits to total assets | 88.2000% | 2,367 |
| Equity capital to assets | 9.2388% | 2,046 |
| Core capital (leverage) ratio | 10.8981% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $85,499,500 | 4,098 |
| Average earning assets | $73,621,250 | 4,144 |
| Average equity | $8,359,750 | 4,108 |
| Average total loans | $54,935,500 | 3,837 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 383 |
| Cost of funding earning assets | 0.2474% | 2,305 |
| Net interest margin | 4.2367% | 309 |
| Noninterest income to average assets | 0.4477% | 2,469 |
| Noninterest expense to average assets | 3.3311% | 526 |
| Loan and lease loss provision to assets | 0.0047% | 2,524 |
| Net operating income to assets | 0.5907% | 3,652 |
| Return on assets (ROA) | 0.5907% | 3,594 |
| Pretax return on assets | 0.6845% | 3,614 |
| Return on Equity (ROE) | 5.9320% | 3,590 |
| Retained earnings to average equity (ytd only) | 3.4839% | 3,280 |
| Net charge-offs to loans | -0.0075% | 3,477 |
| Credit loss provision to net charge-offs | -100.0000% | 3,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8571% | 747 |
| Assets per employee ($millions) | 3.4571% | 4,558 |
| Cash dividends to net income (ytd only)* | 41.2698% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 3,235 |
| Loan loss allowance to noncurrent loans | 78.8991% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.8828% | 578 |
| Noncurrent loans to loans | 1.3688% | 560 |
| Net loans and leases to total assets | 63.8007% | 1,932 |
| Net loans and leases to deposits | 72.1373% | 2,015 |
| Net loans and leases to core deposits | 72.3863% | 2,299 |
| Total domestic deposits to total assets | 88.4434% | 2,406 |
| Equity capital to assets | 9.1464% | 2,287 |
| Core capital (leverage) ratio | 10.6654% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,316,000 | 4,136 |
| Average earning assets | $71,942,333 | 4,222 |
| Average equity | $8,496,333 | 4,152 |
| Average total loans | $53,189,333 | 3,910 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 327 |
| Cost of funding earning assets | 0.2546% | 2,107 |
| Net interest margin | 4.2207% | 276 |
| Noninterest income to average assets | 0.4483% | 2,402 |
| Noninterest expense to average assets | 3.3648% | 485 |
| Loan and lease loss provision to assets | 0.0047% | 2,223 |
| Net operating income to assets | 0.5191% | 3,657 |
| Return on assets (ROA) | 0.5191% | 3,625 |
| Pretax return on assets | 0.5993% | 3,634 |
| Return on Equity (ROE) | 5.0045% | 3,621 |
| Retained earnings to average equity (ytd only) | 0.2730% | 3,965 |
| Net charge-offs to loans | 0.0154% | 1,232 |
| Credit loss provision to net charge-offs | 50.0000% | 1,196 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 832 |
| Efficiency ratio | 84.7800% | 799 |
| Assets per employee ($millions) | 3.7065% | 4,500 |
| Cash dividends to net income (ytd only)* | 94.5455% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,175 |
| Loan loss allowance to noncurrent loans | 74.7184% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 559 |
| Noncurrent loans to loans | 1.5180% | 535 |
| Net loans and leases to total assets | 61.0435% | 1,956 |
| Net loans and leases to deposits | 70.3211% | 1,937 |
| Net loans and leases to core deposits | 70.5719% | 2,243 |
| Total domestic deposits to total assets | 86.8069% | 2,999 |
| Equity capital to assets | 9.8981% | 1,973 |
| Core capital (leverage) ratio | 10.5585% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,760,500 | 4,162 |
| Average earning assets | $70,699,500 | 4,259 |
| Average equity | $8,792,000 | 4,175 |
| Average total loans | $51,912,500 | 3,944 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1120% | 224 |
| Cost of funding earning assets | 0.3864% | 1,639 |
| Net interest margin | 4.7255% | 199 |
| Noninterest income to average assets | 0.4652% | 2,748 |
| Noninterest expense to average assets | 3.1614% | 773 |
| Loan and lease loss provision to assets | 0.0815% | 1,501 |
| Net operating income to assets | 0.9366% | 2,916 |
| Return on assets (ROA) | 0.9435% | 2,963 |
| Pretax return on assets | 1.1449% | 2,832 |
| Return on Equity (ROE) | 8.7647% | 2,991 |
| Retained earnings to average equity (ytd only) | 6.7823% | 2,008 |
| Net charge-offs to loans | 0.0636% | 1,152 |
| Credit loss provision to net charge-offs | 200.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 29.8824% | 1,610 |
| Efficiency ratio | 72.1872% | 1,494 |
| Assets per employee ($millions) | 3.8305% | 4,484 |
| Cash dividends to net income (ytd only)* | 22.6175% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 3,030 |
| Loan loss allowance to noncurrent loans | 81.9178% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.8662% | 677 |
| Noncurrent loans to loans | 1.4261% | 652 |
| Net loans and leases to total assets | 60.0330% | 2,160 |
| Net loans and leases to deposits | 70.2877% | 2,103 |
| Net loans and leases to core deposits | 70.5455% | 2,398 |
| Total domestic deposits to total assets | 85.4103% | 3,129 |
| Equity capital to assets | 10.8530% | 1,902 |
| Core capital (leverage) ratio | 10.6826% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,411,600 | 4,173 |
| Average earning assets | $69,092,600 | 4,274 |
| Average equity | $8,979,200 | 4,247 |
| Average total loans | $53,456,000 | 3,940 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3401% | 188 |
| Cost of funding earning assets | 0.4169% | 1,571 |
| Net interest margin | 4.9232% | 170 |
| Noninterest income to average assets | 0.4567% | 2,809 |
| Noninterest expense to average assets | 3.0834% | 843 |
| Loan and lease loss provision to assets | 0.1070% | 1,129 |
| Net operating income to assets | 1.0914% | 2,589 |
| Return on assets (ROA) | 1.0914% | 2,649 |
| Pretax return on assets | 1.3350% | 2,531 |
| Return on Equity (ROE) | 10.1592% | 2,679 |
| Retained earnings to average equity (ytd only) | 7.5038% | 2,220 |
| Net charge-offs to loans | 0.0814% | 858 |
| Credit loss provision to net charge-offs | 203.0303% | 1,198 |
| Earnings coverage of net charge-offs (x) | 27.2727% | 1,582 |
| Efficiency ratio | 68.1303% | 1,810 |
| Assets per employee ($millions) | 3.6575% | 4,590 |
| Cash dividends to net income (ytd only)* | 26.1380% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 3,211 |
| Loan loss allowance to noncurrent loans | 65.2838% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.1115% | 566 |
| Noncurrent loans to loans | 1.7601% | 558 |
| Net loans and leases to total assets | 61.1545% | 2,120 |
| Net loans and leases to deposits | 72.2147% | 2,031 |
| Net loans and leases to core deposits | 72.4822% | 2,383 |
| Total domestic deposits to total assets | 84.6843% | 3,229 |
| Equity capital to assets | 10.8817% | 2,096 |
| Core capital (leverage) ratio | 10.5784% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,196,500 | 4,222 |
| Average earning assets | $68,760,500 | 4,330 |
| Average equity | $8,937,500 | 4,311 |
| Average total loans | $54,022,750 | 3,980 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6313% | 147 |
| Cost of funding earning assets | 0.4476% | 1,537 |
| Net interest margin | 5.1836% | 137 |
| Noninterest income to average assets | 0.4464% | 2,867 |
| Noninterest expense to average assets | 3.0523% | 906 |
| Loan and lease loss provision to assets | 0.1593% | 725 |
| Net operating income to assets | 1.2716% | 1,946 |
| Return on assets (ROA) | 1.2716% | 2,021 |
| Pretax return on assets | 1.5660% | 1,834 |
| Return on Equity (ROE) | 11.8890% | 2,110 |
| Retained earnings to average equity (ytd only) | 10.0391% | 1,381 |
| Net charge-offs to loans | 0.1170% | 662 |
| Credit loss provision to net charge-offs | 206.2500% | 1,040 |
| Earnings coverage of net charge-offs (x) | 22.3438% | 1,489 |
| Efficiency ratio | 63.8889% | 2,448 |
| Assets per employee ($millions) | 3.8707% | 4,511 |
| Cash dividends to net income (ytd only)* | 15.5598% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 3,481 |
| Loan loss allowance to noncurrent loans | 57.6663% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.2401% | 538 |
| Noncurrent loans to loans | 1.8805% | 533 |
| Net loans and leases to total assets | 64.0554% | 1,941 |
| Net loans and leases to deposits | 75.3911% | 1,879 |
| Net loans and leases to core deposits | 76.3012% | 2,209 |
| Total domestic deposits to total assets | 84.9641% | 3,111 |
| Equity capital to assets | 10.6780% | 2,240 |
| Core capital (leverage) ratio | 10.6352% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,887,667 | 4,253 |
| Average earning assets | $69,256,333 | 4,350 |
| Average equity | $8,865,333 | 4,338 |
| Average total loans | $54,682,667 | 3,994 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3787% | 217 |
| Cost of funding earning assets | 0.4831% | 1,493 |
| Net interest margin | 4.8955% | 210 |
| Noninterest income to average assets | 0.4257% | 2,952 |
| Noninterest expense to average assets | 3.0727% | 871 |
| Loan and lease loss provision to assets | 0.1272% | 1,079 |
| Net operating income to assets | 1.0911% | 2,501 |
| Return on assets (ROA) | 1.0911% | 2,577 |
| Pretax return on assets | 1.3406% | 2,456 |
| Return on Equity (ROE) | 10.1925% | 2,627 |
| Retained earnings to average equity (ytd only) | 6.4446% | 2,750 |
| Net charge-offs to loans | 0.1028% | 672 |
| Credit loss provision to net charge-offs | 185.7143% | 911 |
| Earnings coverage of net charge-offs (x) | 21.4286% | 1,223 |
| Efficiency ratio | 67.6724% | 1,978 |
| Assets per employee ($millions) | 3.9680% | 4,497 |
| Cash dividends to net income (ytd only)* | 36.7713% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,648 |
| Loan loss allowance to noncurrent loans | 55.8681% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 597 |
| Noncurrent loans to loans | 1.8795% | 599 |
| Net loans and leases to total assets | 65.1394% | 1,907 |
| Net loans and leases to deposits | 77.0115% | 1,798 |
| Net loans and leases to core deposits | 77.9661% | 2,189 |
| Total domestic deposits to total assets | 84.5840% | 3,254 |
| Equity capital to assets | 10.5401% | 2,230 |
| Core capital (leverage) ratio | 10.5228% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,753,500 | 4,284 |
| Average earning assets | $68,716,000 | 4,375 |
| Average equity | $8,751,500 | 4,361 |
| Average total loans | $54,451,500 | 4,019 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1314% | 382 |
| Cost of funding earning assets | 0.7239% | 1,593 |
| Net interest margin | 4.4075% | 398 |
| Noninterest income to average assets | 0.4489% | 2,868 |
| Noninterest expense to average assets | 3.3430% | 852 |
| Loan and lease loss provision to assets | 0.1067% | 3,004 |
| Net operating income to assets | 0.7053% | 3,417 |
| Return on assets (ROA) | 0.7053% | 3,550 |
| Pretax return on assets | 0.8497% | 3,502 |
| Return on Equity (ROE) | 6.4817% | 3,416 |
| Retained earnings to average equity (ytd only) | 4.8433% | 2,345 |
| Net charge-offs to loans | 0.0941% | 1,521 |
| Credit loss provision to net charge-offs | 160.7843% | 2,367 |
| Earnings coverage of net charge-offs (x) | 14.4118% | 2,215 |
| Efficiency ratio | 77.7542% | 1,052 |
| Assets per employee ($millions) | 4.4543% | 3,963 |
| Cash dividends to net income (ytd only)* | 25.2768% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,704 |
| Loan loss allowance to noncurrent loans | 47.1178% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.4929% | 493 |
| Noncurrent loans to loans | 2.2147% | 485 |
| Net loans and leases to total assets | 66.7053% | 1,993 |
| Net loans and leases to deposits | 79.9339% | 1,871 |
| Net loans and leases to core deposits | 80.9772% | 2,277 |
| Total domestic deposits to total assets | 83.4506% | 3,277 |
| Equity capital to assets | 10.8758% | 2,365 |
| Core capital (leverage) ratio | 10.9201% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,847,000 | 4,281 |
| Average earning assets | $67,135,800 | 4,335 |
| Average equity | $8,362,000 | 4,383 |
| Average total loans | $54,220,200 | 4,018 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2350% | 386 |
| Cost of funding earning assets | 0.7681% | 1,645 |
| Net interest margin | 4.4669% | 410 |
| Noninterest income to average assets | 0.4350% | 2,909 |
| Noninterest expense to average assets | 3.3835% | 813 |
| Loan and lease loss provision to assets | 0.1066% | 2,984 |
| Net operating income to assets | 0.7227% | 3,382 |
| Return on assets (ROA) | 0.7227% | 3,484 |
| Pretax return on assets | 0.8717% | 3,462 |
| Return on Equity (ROE) | 6.6403% | 3,327 |
| Retained earnings to average equity (ytd only) | 4.4322% | 2,836 |
| Net charge-offs to loans | 0.0860% | 1,449 |
| Credit loss provision to net charge-offs | 174.2857% | 2,209 |
| Earnings coverage of net charge-offs (x) | 15.9429% | 2,081 |
| Efficiency ratio | 77.5633% | 1,081 |
| Assets per employee ($millions) | 3.9836% | 4,321 |
| Cash dividends to net income (ytd only)* | 33.2524% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,654 |
| Loan loss allowance to noncurrent loans | 57.5103% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.2200% | 810 |
| Noncurrent loans to loans | 1.7598% | 761 |
| Net loans and leases to total assets | 68.6235% | 2,158 |
| Net loans and leases to deposits | 82.1261% | 2,089 |
| Net loans and leases to core deposits | 83.2035% | 2,562 |
| Total domestic deposits to total assets | 83.5586% | 2,968 |
| Equity capital to assets | 10.7768% | 2,565 |
| Core capital (leverage) ratio | 10.9288% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,014,250 | 4,301 |
| Average earning assets | $66,830,500 | 4,348 |
| Average equity | $8,272,500 | 4,411 |
| Average total loans | $54,263,500 | 4,042 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3011% | 482 |
| Cost of funding earning assets | 0.8070% | 1,794 |
| Net interest margin | 4.4941% | 513 |
| Noninterest income to average assets | 0.4198% | 2,971 |
| Noninterest expense to average assets | 3.4494% | 794 |
| Loan and lease loss provision to assets | 0.0829% | 3,248 |
| Net operating income to assets | 0.7407% | 3,240 |
| Return on assets (ROA) | 0.7407% | 3,365 |
| Pretax return on assets | 0.8931% | 3,331 |
| Return on Equity (ROE) | 6.7826% | 3,215 |
| Retained earnings to average equity (ytd only) | 4.7747% | 2,575 |
| Net charge-offs to loans | 0.1298% | 1,066 |
| Credit loss provision to net charge-offs | 88.5714% | 2,471 |
| Earnings coverage of net charge-offs (x) | 10.4286% | 2,150 |
| Efficiency ratio | 77.9456% | 1,061 |
| Assets per employee ($millions) | 3.4955% | 4,661 |
| Cash dividends to net income (ytd only)* | 29.6029% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 3,747 |
| Loan loss allowance to noncurrent loans | 50.9634% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.3823% | 713 |
| Noncurrent loans to loans | 1.8885% | 730 |
| Net loans and leases to total assets | 70.7849% | 1,910 |
| Net loans and leases to deposits | 85.1691% | 1,859 |
| Net loans and leases to core deposits | 86.3034% | 2,413 |
| Total domestic deposits to total assets | 83.1110% | 3,053 |
| Equity capital to assets | 11.0296% | 2,314 |
| Core capital (leverage) ratio | 11.0447% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,795,333 | 4,324 |
| Average earning assets | $66,665,000 | 4,363 |
| Average equity | $8,168,000 | 4,439 |
| Average total loans | $53,940,667 | 4,059 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 746 |
| Cost of funding earning assets | 0.8321% | 2,215 |
| Net interest margin | 4.3051% | 756 |
| Noninterest income to average assets | 0.4177% | 2,988 |
| Noninterest expense to average assets | 3.5692% | 846 |
| Loan and lease loss provision to assets | 0.1627% | 1,786 |
| Net operating income to assets | 0.4773% | 3,952 |
| Return on assets (ROA) | 0.4773% | 4,006 |
| Pretax return on assets | 0.5587% | 4,009 |
| Return on Equity (ROE) | 4.3940% | 3,851 |
| Retained earnings to average equity (ytd only) | 0.2996% | 3,922 |
| Net charge-offs to loans | 0.0299% | 1,782 |
| Credit loss provision to net charge-offs | 750.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 33.2500% | 1,115 |
| Efficiency ratio | 83.1858% | 890 |
| Assets per employee ($millions) | 3.0865% | 4,754 |
| Cash dividends to net income (ytd only)* | 93.1818% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 3,513 |
| Loan loss allowance to noncurrent loans | 52.0000% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.4512% | 756 |
| Noncurrent loans to loans | 1.9923% | 713 |
| Net loans and leases to total assets | 72.0845% | 1,907 |
| Net loans and leases to deposits | 87.0312% | 1,870 |
| Net loans and leases to core deposits | 88.2393% | 2,504 |
| Total domestic deposits to total assets | 82.8260% | 3,159 |
| Equity capital to assets | 10.7294% | 3,109 |
| Core capital (leverage) ratio | 10.9218% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3063% | 1,279 |
| Memoranda: | ||
| Average total assets | $73,742,000 | 4,348 |
| Average earning assets | $66,340,000 | 4,380 |
| Average equity | $8,011,000 | 4,481 |
| Average total loans | $53,429,000 | 4,084 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2495% | 905 |
| Cost of funding earning assets | 0.8137% | 2,617 |
| Net interest margin | 4.4358% | 829 |
| Noninterest income to average assets | 0.6042% | 2,198 |
| Noninterest expense to average assets | 3.6335% | 825 |
| Loan and lease loss provision to assets | 0.2304% | 830 |
| Net operating income to assets | 0.6444% | 4,025 |
| Return on assets (ROA) | 0.6576% | 4,065 |
| Pretax return on assets | 0.7770% | 4,026 |
| Return on Equity (ROE) | 6.0675% | 3,897 |
| Retained earnings to average equity (ytd only) | 4.4469% | 2,736 |
| Net charge-offs to loans | 0.2056% | 997 |
| Credit loss provision to net charge-offs | 157.6923% | 1,634 |
| Earnings coverage of net charge-offs (x) | 6.7885% | 2,936 |
| Efficiency ratio | 78.5541% | 1,088 |
| Assets per employee ($millions) | 3.0586% | 4,794 |
| Cash dividends to net income (ytd only)* | 26.7094% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 3,468 |
| Loan loss allowance to noncurrent loans | 53.5211% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.4358% | 720 |
| Noncurrent loans to loans | 1.8790% | 701 |
| Net loans and leases to total assets | 71.3406% | 2,196 |
| Net loans and leases to deposits | 86.5618% | 2,023 |
| Net loans and leases to core deposits | 87.7644% | 2,627 |
| Total domestic deposits to total assets | 82.4158% | 3,392 |
| Equity capital to assets | 10.9990% | 2,997 |
| Core capital (leverage) ratio | 11.3096% | 2,240 |
| Tier 1 risk-based capital ratio | 16.5117% | 2,212 |
| Total risk-based capital ratio | 17.6060% | 2,215 |
| Memoranda: | ||
| Average total assets | $71,170,800 | 4,413 |
| Average earning assets | $64,520,000 | 4,428 |
| Average equity | $7,713,200 | 4,541 |
| Average total loans | $50,573,200 | 4,168 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2247% | 990 |
| Cost of funding earning assets | 0.7842% | 2,788 |
| Net interest margin | 4.4405% | 868 |
| Noninterest income to average assets | 0.6023% | 2,193 |
| Noninterest expense to average assets | 3.7462% | 700 |
| Loan and lease loss provision to assets | 0.2002% | 880 |
| Net operating income to assets | 0.6055% | 4,283 |
| Return on assets (ROA) | 0.6231% | 4,286 |
| Pretax return on assets | 0.7288% | 4,281 |
| Return on Equity (ROE) | 5.7719% | 4,110 |
| Retained earnings to average equity (ytd only) | 3.5856% | 3,610 |
| Net charge-offs to loans | 0.2934% | 598 |
| Credit loss provision to net charge-offs | 96.3636% | 2,322 |
| Earnings coverage of net charge-offs (x) | 4.3728% | 3,017 |
| Efficiency ratio | 80.4868% | 876 |
| Assets per employee ($millions) | 3.1690% | 4,778 |
| Cash dividends to net income (ytd only)* | 37.8781% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 4,082 |
| Loan loss allowance to noncurrent loans | 42.8311% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.5696% | 676 |
| Noncurrent loans to loans | 2.0800% | 638 |
| Net loans and leases to total assets | 71.5848% | 2,242 |
| Net loans and leases to deposits | 86.9571% | 2,068 |
| Net loans and leases to core deposits | 88.1754% | 2,713 |
| Total domestic deposits to total assets | 82.3220% | 3,382 |
| Equity capital to assets | 10.8648% | 3,232 |
| Core capital (leverage) ratio | 11.2531% | 2,425 |
| Tier 1 risk-based capital ratio | 15.8998% | 2,472 |
| Total risk-based capital ratio | 16.8450% | 2,542 |
| Memoranda: | ||
| Average total assets | $70,611,750 | 4,475 |
| Average earning assets | $64,435,250 | 4,483 |
| Average equity | $7,623,000 | 4,607 |
| Average total loans | $49,991,250 | 4,233 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1827% | 1,013 |
| Cost of funding earning assets | 0.7587% | 2,849 |
| Net interest margin | 4.4239% | 899 |
| Noninterest income to average assets | 0.5898% | 2,201 |
| Noninterest expense to average assets | 3.6992% | 753 |
| Loan and lease loss provision to assets | 0.2090% | 808 |
| Net operating income to assets | 0.6213% | 4,246 |
| Return on assets (ROA) | 0.6213% | 4,288 |
| Pretax return on assets | 0.7215% | 4,280 |
| Return on Equity (ROE) | 5.7680% | 4,128 |
| Retained earnings to average equity (ytd only) | 3.9073% | 3,295 |
| Net charge-offs to loans | 0.2118% | 786 |
| Credit loss provision to net charge-offs | 140.3846% | 1,562 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,589 |
| Efficiency ratio | 79.9011% | 977 |
| Assets per employee ($millions) | 2.7165% | 5,056 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 3,741 |
| Loan loss allowance to noncurrent loans | 38.2057% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.8944% | 514 |
| Noncurrent loans to loans | 2.5653% | 449 |
| Net loans and leases to total assets | 70.6650% | 2,440 |
| Net loans and leases to deposits | 87.6337% | 2,048 |
| Net loans and leases to core deposits | 88.9107% | 2,711 |
| Total domestic deposits to total assets | 80.6368% | 3,908 |
| Equity capital to assets | 11.0663% | 2,980 |
| Core capital (leverage) ratio | 11.2733% | 2,349 |
| Tier 1 risk-based capital ratio | 15.8993% | 2,458 |
| Total risk-based capital ratio | 16.9022% | 2,495 |
| Memoranda: | ||
| Average total assets | $69,853,330 | 4,519 |
| Average earning assets | $63,789,330 | 4,528 |
| Average equity | $7,524,330 | 4,643 |
| Average total loans | $49,106,670 | 4,279 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0380% | 1,243 |
| Cost of funding earning assets | 0.7152% | 2,972 |
| Net interest margin | 4.3228% | 1,056 |
| Noninterest income to average assets | 0.5470% | 2,303 |
| Noninterest expense to average assets | 4.0193% | 522 |
| Loan and lease loss provision to assets | 0.1497% | 1,123 |
| Net operating income to assets | 0.2994% | 4,899 |
| Return on assets (ROA) | 0.2994% | 4,903 |
| Pretax return on assets | 0.3109% | 4,949 |
| Return on Equity (ROE) | 2.8190% | 4,828 |
| Retained earnings to average equity (ytd only) | -0.9758% | 4,647 |
| Net charge-offs to loans | -0.0248% | 4,575 |
| Credit loss provision to net charge-offs | -866.6667% | 3,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7172% | 403 |
| Assets per employee ($millions) | 3.3089% | 4,736 |
| Cash dividends to net income (ytd only)* | 134.6154% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 3,532 |
| Loan loss allowance to noncurrent loans | 25.3407% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 2.8509% | 230 |
| Noncurrent loans to loans | 4.0591% | 185 |
| Net loans and leases to total assets | 69.5133% | 2,554 |
| Net loans and leases to deposits | 84.1572% | 2,371 |
| Net loans and leases to core deposits | 85.3739% | 2,924 |
| Total domestic deposits to total assets | 82.5994% | 3,537 |
| Equity capital to assets | 10.7216% | 3,139 |
| Core capital (leverage) ratio | 11.0918% | 2,489 |
| Tier 1 risk-based capital ratio | 15.8983% | 2,488 |
| Total risk-based capital ratio | 16.9394% | 2,497 |
| Memoranda: | ||
| Average total assets | $69,465,500 | 4,579 |
| Average earning assets | $63,199,500 | 4,590 |
| Average equity | $7,378,500 | 4,704 |
| Average total loans | $48,458,000 | 4,337 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0187% | 1,010 |
| Cost of funding earning assets | 0.5485% | 3,057 |
| Net interest margin | 4.4702% | 807 |
| Noninterest income to average assets | 0.6096% | 2,242 |
| Noninterest expense to average assets | 3.8152% | 668 |
| Loan and lease loss provision to assets | 0.1501% | 1,413 |
| Net operating income to assets | 0.5884% | 4,447 |
| Return on assets (ROA) | 0.5884% | 4,455 |
| Pretax return on assets | 0.6733% | 4,480 |
| Return on Equity (ROE) | 5.5078% | 4,323 |
| Retained earnings to average equity (ytd only) | 4.1450% | 3,280 |
| Net charge-offs to loans | 0.0554% | 2,349 |
| Credit loss provision to net charge-offs | 412.5000% | 805 |
| Earnings coverage of net charge-offs (x) | 22.6250% | 1,892 |
| Efficiency ratio | 82.2491% | 780 |
| Assets per employee ($millions) | 3.1566% | 4,880 |
| Cash dividends to net income (ytd only)* | 24.7423% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 3,788 |
| Loan loss allowance to noncurrent loans | 26.5581% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 2.5646% | 288 |
| Noncurrent loans to loans | 3.7018% | 220 |
| Net loans and leases to total assets | 68.5996% | 2,791 |
| Net loans and leases to deposits | 86.1356% | 2,251 |
| Net loans and leases to core deposits | 86.1356% | 2,904 |
| Total domestic deposits to total assets | 79.6414% | 4,185 |
| Equity capital to assets | 10.5220% | 3,159 |
| Core capital (leverage) ratio | 11.7984% | 1,875 |
| Tier 1 risk-based capital ratio | 16.2818% | 2,317 |
| Total risk-based capital ratio | 17.2839% | 2,333 |
| Memoranda: | ||
| Average total assets | $65,946,600 | 4,655 |
| Average earning assets | $59,438,000 | 4,675 |
| Average equity | $7,044,600 | 4,742 |
| Average total loans | $43,315,400 | 4,467 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9271% | 1,101 |
| Cost of funding earning assets | 0.5292% | 3,000 |
| Net interest margin | 4.3979% | 902 |
| Noninterest income to average assets | 0.6188% | 2,219 |
| Noninterest expense to average assets | 3.9217% | 573 |
| Loan and lease loss provision to assets | 0.1987% | 877 |
| Net operating income to assets | 0.4118% | 4,934 |
| Return on assets (ROA) | 0.4118% | 4,936 |
| Pretax return on assets | 0.4487% | 4,969 |
| Return on Equity (ROE) | 3.8399% | 4,855 |
| Retained earnings to average equity (ytd only) | 2.0060% | 4,580 |
| Net charge-offs to loans | 0.0538% | 2,051 |
| Credit loss provision to net charge-offs | 570.5882% | 628 |
| Earnings coverage of net charge-offs (x) | 18.5849% | 2,043 |
| Efficiency ratio | 85.8296% | 530 |
| Assets per employee ($millions) | 2.7695% | 5,177 |
| Cash dividends to net income (ytd only)* | 47.7630% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 3,417 |
| Loan loss allowance to noncurrent loans | 26.9600% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 2.6674% | 308 |
| Noncurrent loans to loans | 3.9308% | 216 |
| Net loans and leases to total assets | 67.1396% | 3,058 |
| Net loans and leases to deposits | 79.1343% | 3,129 |
| Net loans and leases to core deposits | 79.1343% | 3,563 |
| Total domestic deposits to total assets | 84.8426% | 2,672 |
| Equity capital to assets | 10.4033% | 3,231 |
| Core capital (leverage) ratio | 11.6494% | 2,048 |
| Tier 1 risk-based capital ratio | 16.8030% | 2,168 |
| Total risk-based capital ratio | 17.8742% | 2,181 |
| Memoranda: | ||
| Average total assets | $65,072,000 | 4,722 |
| Average earning assets | $58,451,000 | 4,750 |
| Average equity | $6,979,000 | 4,801 |
| Average total loans | $42,116,250 | 4,541 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9102% | 996 |
| Cost of funding earning assets | 0.5083% | 2,953 |
| Net interest margin | 4.4019% | 845 |
| Noninterest income to average assets | 0.6222% | 2,215 |
| Noninterest expense to average assets | 3.8696% | 629 |
| Loan and lease loss provision to assets | 0.2167% | 762 |
| Net operating income to assets | 0.4334% | 4,894 |
| Return on assets (ROA) | 0.4334% | 4,901 |
| Pretax return on assets | 0.4767% | 4,941 |
| Return on Equity (ROE) | 3.9998% | 4,827 |
| Retained earnings to average equity (ytd only) | 2.4285% | 4,292 |
| Net charge-offs to loans | 0.0584% | 1,770 |
| Credit loss provision to net charge-offs | 583.3333% | 638 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,887 |
| Efficiency ratio | 84.8033% | 641 |
| Assets per employee ($millions) | 2.6152% | 5,301 |
| Cash dividends to net income (ytd only)* | 39.2857% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 3,544 |
| Loan loss allowance to noncurrent loans | 23.4689% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 2.9718% | 250 |
| Noncurrent loans to loans | 4.4687% | 174 |
| Net loans and leases to total assets | 65.8051% | 3,178 |
| Net loans and leases to deposits | 79.5915% | 2,993 |
| Net loans and leases to core deposits | 79.5915% | 3,453 |
| Total domestic deposits to total assets | 82.6785% | 3,503 |
| Equity capital to assets | 10.6422% | 2,979 |
| Core capital (leverage) ratio | 11.7211% | 1,895 |
| Tier 1 risk-based capital ratio | 17.1718% | 2,039 |
| Total risk-based capital ratio | 18.2188% | 2,055 |
| Memoranda: | ||
| Average total assets | $64,606,330 | 4,785 |
| Average earning assets | $57,838,330 | 4,819 |
| Average equity | $7,000,330 | 4,844 |
| Average total loans | $41,120,000 | 4,607 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 953 |
| Cost of funding earning assets | 0.5035% | 2,771 |
| Net interest margin | 4.3563% | 845 |
| Noninterest income to average assets | 0.6353% | 2,100 |
| Noninterest expense to average assets | 4.0113% | 526 |
| Loan and lease loss provision to assets | 0.0498% | 2,782 |
| Net operating income to assets | 0.4173% | 4,894 |
| Return on assets (ROA) | 0.4173% | 4,898 |
| Pretax return on assets | 0.4547% | 4,952 |
| Return on Equity (ROE) | 3.8168% | 4,814 |
| Retained earnings to average equity (ytd only) | 0.6836% | 4,693 |
| Net charge-offs to loans | 0.0401% | 1,731 |
| Credit loss provision to net charge-offs | 200.0000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,474 |
| Efficiency ratio | 88.8276% | 494 |
| Assets per employee ($millions) | 2.6996% | 5,332 |
| Cash dividends to net income (ytd only)* | 82.0896% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 4,014 |
| Loan loss allowance to noncurrent loans | 19.8127% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 3.1317% | 244 |
| Noncurrent loans to loans | 5.0030% | 152 |
| Net loans and leases to total assets | 61.9756% | 3,552 |
| Net loans and leases to deposits | 72.7125% | 3,536 |
| Net loans and leases to core deposits | 72.7125% | 3,902 |
| Total domestic deposits to total assets | 85.2338% | 2,843 |
| Equity capital to assets | 10.6591% | 2,914 |
| Core capital (leverage) ratio | 11.6936% | 1,856 |
| Tier 1 risk-based capital ratio | 17.5841% | 1,950 |
| Total risk-based capital ratio | 18.5387% | 1,989 |
| Memoranda: | ||
| Average total assets | $64,219,000 | 4,845 |
| Average earning assets | $57,204,500 | 4,890 |
| Average equity | $7,021,500 | 4,894 |
| Average total loans | $39,940,000 | 4,690 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7389% | 1,100 |
| Cost of funding earning assets | 0.4635% | 2,657 |
| Net interest margin | 4.2753% | 1,020 |
| Noninterest income to average assets | 0.6177% | 2,364 |
| Noninterest expense to average assets | 3.7643% | 728 |
| Loan and lease loss provision to assets | 0.1781% | 1,216 |
| Net operating income to assets | 0.3738% | 4,775 |
| Return on assets (ROA) | 0.4113% | 4,678 |
| Pretax return on assets | 0.4995% | 4,934 |
| Return on Equity (ROE) | 3.6882% | 4,609 |
| Retained earnings to average equity (ytd only) | 2.8969% | 3,576 |
| Net charge-offs to loans | 0.2212% | 1,173 |
| Credit loss provision to net charge-offs | 134.5238% | 1,968 |
| Earnings coverage of net charge-offs (x) | 4.7738% | 3,413 |
| Efficiency ratio | 85.6272% | 662 |
| Assets per employee ($millions) | 2.8931% | 5,264 |
| Cash dividends to net income (ytd only)* | 21.4559% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,865 |
| Loan loss allowance to noncurrent loans | 20.6325% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 3.0307% | 263 |
| Noncurrent loans to loans | 4.9054% | 144 |
| Net loans and leases to total assets | 61.1582% | 3,714 |
| Net loans and leases to deposits | 71.6764% | 3,734 |
| Net loans and leases to core deposits | 71.6764% | 4,077 |
| Total domestic deposits to total assets | 85.3255% | 2,716 |
| Equity capital to assets | 11.2132% | 2,417 |
| Core capital (leverage) ratio | 11.6088% | 1,864 |
| Tier 1 risk-based capital ratio | 17.4397% | 1,959 |
| Total risk-based capital ratio | 18.3844% | 2,003 |
| Memoranda: | ||
| Average total assets | $63,464,000 | 4,887 |
| Average earning assets | $56,089,200 | 4,948 |
| Average equity | $7,076,600 | 4,927 |
| Average total loans | $37,981,800 | 4,792 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7002% | 1,135 |
| Cost of funding earning assets | 0.4562% | 2,651 |
| Net interest margin | 4.2440% | 1,062 |
| Noninterest income to average assets | 0.6034% | 2,464 |
| Noninterest expense to average assets | 3.7990% | 670 |
| Loan and lease loss provision to assets | 0.1535% | 1,356 |
| Net operating income to assets | 0.3737% | 5,062 |
| Return on assets (ROA) | 0.4247% | 4,973 |
| Pretax return on assets | 0.4394% | 5,125 |
| Return on Equity (ROE) | 3.8141% | 4,911 |
| Retained earnings to average equity (ytd only) | 2.7566% | 4,256 |
| Net charge-offs to loans | 0.1771% | 1,189 |
| Credit loss provision to net charge-offs | 146.0000% | 1,725 |
| Earnings coverage of net charge-offs (x) | 5.1396% | 3,143 |
| Efficiency ratio | 87.5484% | 533 |
| Assets per employee ($millions) | 3.1342% | 5,140 |
| Cash dividends to net income (ytd only)* | 27.7206% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,811 |
| Loan loss allowance to noncurrent loans | 23.2779% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 2.7359% | 350 |
| Noncurrent loans to loans | 4.4933% | 197 |
| Net loans and leases to total assets | 59.1634% | 3,952 |
| Net loans and leases to deposits | 68.2921% | 4,093 |
| Net loans and leases to core deposits | 68.2921% | 4,347 |
| Total domestic deposits to total assets | 86.6330% | 2,027 |
| Equity capital to assets | 11.5181% | 2,346 |
| Core capital (leverage) ratio | 11.5447% | 1,985 |
| Tier 1 risk-based capital ratio | 17.9373% | 1,870 |
| Total risk-based capital ratio | 18.9020% | 1,897 |
| Memoranda: | ||
| Average total assets | $63,418,000 | 4,945 |
| Average earning assets | $55,826,250 | 5,011 |
| Average equity | $7,061,500 | 4,985 |
| Average total loans | $37,646,250 | 4,850 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6270% | 1,203 |
| Cost of funding earning assets | 0.4494% | 2,610 |
| Net interest margin | 4.1776% | 1,128 |
| Noninterest income to average assets | 0.5561% | 2,679 |
| Noninterest expense to average assets | 3.8264% | 652 |
| Loan and lease loss provision to assets | 0.1822% | 1,038 |
| Net operating income to assets | 0.2168% | 5,372 |
| Return on assets (ROA) | 0.2733% | 5,298 |
| Pretax return on assets | 0.2545% | 5,387 |
| Return on Equity (ROE) | 2.4826% | 5,240 |
| Retained earnings to average equity (ytd only) | 1.6836% | 4,585 |
| Net charge-offs to loans | 0.2440% | 837 |
| Credit loss provision to net charge-offs | 126.0870% | 1,719 |
| Earnings coverage of net charge-offs (x) | 2.6304% | 3,143 |
| Efficiency ratio | 90.9634% | 403 |
| Assets per employee ($millions) | 2.7555% | 5,443 |
| Cash dividends to net income (ytd only)* | 32.1839% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 4,062 |
| Loan loss allowance to noncurrent loans | 25.1319% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 2.4883% | 440 |
| Noncurrent loans to loans | 4.0355% | 235 |
| Net loans and leases to total assets | 58.6743% | 3,958 |
| Net loans and leases to deposits | 67.5188% | 4,109 |
| Net loans and leases to core deposits | 67.5188% | 4,377 |
| Total domestic deposits to total assets | 86.9006% | 1,987 |
| Equity capital to assets | 11.2722% | 2,521 |
| Core capital (leverage) ratio | 11.3691% | 2,073 |
| Tier 1 risk-based capital ratio | 17.7582% | 1,933 |
| Total risk-based capital ratio | 18.6976% | 1,980 |
| Memoranda: | ||
| Average total assets | $63,662,670 | 4,980 |
| Average earning assets | $55,629,670 | 5,055 |
| Average equity | $7,008,670 | 5,022 |
| Average total loans | $37,702,330 | 4,882 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8047% | 736 |
| Cost of funding earning assets | 0.4514% | 2,514 |
| Net interest margin | 4.3534% | 699 |
| Noninterest income to average assets | 0.5705% | 2,557 |
| Noninterest expense to average assets | 4.0874% | 487 |
| Loan and lease loss provision to assets | 0.3511% | 338 |
| Net operating income to assets | -0.0376% | 5,624 |
| Return on assets (ROA) | -0.0376% | 5,630 |
| Pretax return on assets | -0.1191% | 5,651 |
| Return on Equity (ROE) | -0.3458% | 5,630 |
| Retained earnings to average equity (ytd only) | -1.9594% | 5,163 |
| Net charge-offs to loans | 0.4766% | 388 |
| Credit loss provision to net charge-offs | 124.4444% | 1,355 |
| Earnings coverage of net charge-offs (x) | 0.8222% | 2,794 |
| Efficiency ratio | 94.6299% | 359 |
| Assets per employee ($millions) | 3.0825% | 5,288 |
| Cash dividends to net income (ytd only)* | -466.6667% | 5,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 4,162 |
| Loan loss allowance to noncurrent loans | 53.8244% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.2497% | 1,381 |
| Noncurrent loans to loans | 1.8950% | 959 |
| Net loans and leases to total assets | 56.9663% | 4,069 |
| Net loans and leases to deposits | 64.9786% | 4,253 |
| Net loans and leases to core deposits | 64.9786% | 4,487 |
| Total domestic deposits to total assets | 87.6693% | 1,907 |
| Equity capital to assets | 10.5927% | 3,073 |
| Core capital (leverage) ratio | 11.2607% | 2,135 |
| Tier 1 risk-based capital ratio | 17.9256% | 1,902 |
| Total risk-based capital ratio | 18.8836% | 1,951 |
| Memoranda: | ||
| Average total assets | $63,805,500 | 5,038 |
| Average earning assets | $54,946,000 | 5,122 |
| Average equity | $6,941,000 | 5,077 |
| Average total loans | $37,770,000 | 4,927 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1234% | 480 |
| Cost of funding earning assets | 0.4718% | 2,336 |
| Net interest margin | 4.6516% | 455 |
| Noninterest income to average assets | 0.6617% | 2,359 |
| Noninterest expense to average assets | 4.1254% | 518 |
| Loan and lease loss provision to assets | 0.2534% | 824 |
| Net operating income to assets | 0.3834% | 4,997 |
| Return on assets (ROA) | 0.3934% | 5,044 |
| Pretax return on assets | 0.3684% | 5,267 |
| Return on Equity (ROE) | 3.4566% | 5,029 |
| Retained earnings to average equity (ytd only) | 2.0651% | 4,362 |
| Net charge-offs to loans | 0.2841% | 968 |
| Credit loss provision to net charge-offs | 144.7619% | 1,893 |
| Earnings coverage of net charge-offs (x) | 3.4952% | 3,654 |
| Efficiency ratio | 87.0866% | 747 |
| Assets per employee ($millions) | 2.6199% | 5,607 |
| Cash dividends to net income (ytd only)* | 40.2542% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 4,505 |
| Loan loss allowance to noncurrent loans | 48.4252% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.3280% | 1,313 |
| Noncurrent loans to loans | 1.9904% | 907 |
| Net loans and leases to total assets | 60.2993% | 3,814 |
| Net loans and leases to deposits | 69.3233% | 3,978 |
| Net loans and leases to core deposits | 69.7095% | 4,266 |
| Total domestic deposits to total assets | 86.9827% | 2,156 |
| Equity capital to assets | 11.1724% | 2,451 |
| Core capital (leverage) ratio | 11.9735% | 1,619 |
| Tier 1 risk-based capital ratio | 19.6859% | 1,440 |
| Total risk-based capital ratio | 20.6920% | 1,452 |
| Memoranda: | ||
| Average total assets | $59,993,800 | 5,141 |
| Average earning assets | $52,562,600 | 5,195 |
| Average equity | $6,827,600 | 5,127 |
| Average total loans | $36,954,400 | 4,984 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2031% | 423 |
| Cost of funding earning assets | 0.4681% | 2,383 |
| Net interest margin | 4.7350% | 408 |
| Noninterest income to average assets | 0.6771% | 2,277 |
| Noninterest expense to average assets | 4.1524% | 509 |
| Loan and lease loss provision to assets | 0.2924% | 586 |
| Net operating income to assets | 0.3914% | 5,047 |
| Return on assets (ROA) | 0.3914% | 5,138 |
| Pretax return on assets | 0.3959% | 5,312 |
| Return on Equity (ROE) | 3.4226% | 5,105 |
| Retained earnings to average equity (ytd only) | 1.5539% | 4,890 |
| Net charge-offs to loans | 0.1711% | 1,344 |
| Credit loss provision to net charge-offs | 276.5957% | 1,110 |
| Earnings coverage of net charge-offs (x) | 6.5101% | 2,994 |
| Efficiency ratio | 85.7807% | 841 |
| Assets per employee ($millions) | 2.5563% | 5,701 |
| Cash dividends to net income (ytd only)* | 54.5972% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,882 |
| Loan loss allowance to noncurrent loans | 52.3256% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 1.4132% | 1,308 |
| Noncurrent loans to loans | 2.0832% | 926 |
| Net loans and leases to total assets | 59.8996% | 3,890 |
| Net loans and leases to deposits | 69.4911% | 4,027 |
| Net loans and leases to core deposits | 69.8982% | 4,335 |
| Total domestic deposits to total assets | 86.1975% | 2,263 |
| Equity capital to assets | 11.7944% | 2,262 |
| Core capital (leverage) ratio | 11.8022% | 1,809 |
| Tier 1 risk-based capital ratio | 19.5367% | 1,542 |
| Total risk-based capital ratio | 20.6643% | 1,529 |
| Memoranda: | ||
| Average total assets | $59,272,750 | 5,201 |
| Average earning assets | $52,121,250 | 5,257 |
| Average equity | $6,778,250 | 5,186 |
| Average total loans | $36,622,000 | 5,037 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3035% | 359 |
| Cost of funding earning assets | 0.4595% | 2,482 |
| Net interest margin | 4.8440% | 343 |
| Noninterest income to average assets | 0.5394% | 2,959 |
| Noninterest expense to average assets | 4.1618% | 511 |
| Loan and lease loss provision to assets | 0.3312% | 502 |
| Net operating income to assets | 0.3209% | 5,262 |
| Return on assets (ROA) | 0.3209% | 5,345 |
| Pretax return on assets | 0.2936% | 5,505 |
| Return on Equity (ROE) | 2.8374% | 5,289 |
| Retained earnings to average equity (ytd only) | 0.8150% | 5,057 |
| Net charge-offs to loans | 0.2030% | 1,140 |
| Credit loss provision to net charge-offs | 262.1622% | 1,064 |
| Earnings coverage of net charge-offs (x) | 4.9459% | 2,916 |
| Efficiency ratio | 86.9472% | 798 |
| Assets per employee ($millions) | 2.5063% | 5,780 |
| Cash dividends to net income (ytd only)* | 71.2766% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 4,182 |
| Loan loss allowance to noncurrent loans | 44.9412% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 1.4131% | 1,382 |
| Noncurrent loans to loans | 2.3531% | 764 |
| Net loans and leases to total assets | 59.4178% | 3,958 |
| Net loans and leases to deposits | 69.1315% | 4,071 |
| Net loans and leases to core deposits | 69.5445% | 4,359 |
| Total domestic deposits to total assets | 85.9489% | 2,444 |
| Equity capital to assets | 11.9497% | 2,164 |
| Core capital (leverage) ratio | 11.8078% | 1,763 |
| Tier 1 risk-based capital ratio | 20.2967% | 1,384 |
| Total risk-based capital ratio | 21.4100% | 1,393 |
| Memoranda: | ||
| Average total assets | $58,580,000 | 5,274 |
| Average earning assets | $51,362,330 | 5,330 |
| Average equity | $6,625,670 | 5,262 |
| Average total loans | $36,444,670 | 5,090 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6195% | 219 |
| Cost of funding earning assets | 0.4480% | 2,608 |
| Net interest margin | 5.1715% | 187 |
| Noninterest income to average assets | 0.5606% | 2,737 |
| Noninterest expense to average assets | 4.1527% | 524 |
| Loan and lease loss provision to assets | 0.2422% | 743 |
| Net operating income to assets | 0.6367% | 4,034 |
| Return on assets (ROA) | 0.6367% | 4,153 |
| Pretax return on assets | 0.7198% | 4,452 |
| Return on Equity (ROE) | 5.8003% | 4,081 |
| Retained earnings to average equity (ytd only) | 1.5762% | 4,636 |
| Net charge-offs to loans | 0.0765% | 1,722 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 19.8571% | 1,490 |
| Efficiency ratio | 81.1908% | 1,463 |
| Assets per employee ($millions) | 2.3119% | 5,922 |
| Cash dividends to net income (ytd only)* | 72.8261% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 4,807 |
| Loan loss allowance to noncurrent loans | 48.6111% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 1.2457% | 1,749 |
| Noncurrent loans to loans | 1.9747% | 1,092 |
| Net loans and leases to total assets | 62.4779% | 3,458 |
| Net loans and leases to deposits | 71.9601% | 3,651 |
| Net loans and leases to core deposits | 72.4016% | 4,038 |
| Total domestic deposits to total assets | 86.8231% | 2,286 |
| Equity capital to assets | 11.0281% | 2,908 |
| Core capital (leverage) ratio | 10.7651% | 2,658 |
| Tier 1 risk-based capital ratio | 17.9110% | 2,010 |
| Total risk-based capital ratio | 18.9173% | 2,045 |
| Memoranda: | ||
| Average total assets | $57,794,000 | 5,341 |
| Average earning assets | $50,894,500 | 5,385 |
| Average equity | $6,344,500 | 5,350 |
| Average total loans | $36,605,500 | 5,126 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1421% | 477 |
| Cost of funding earning assets | 0.4417% | 2,724 |
| Net interest margin | 4.7003% | 446 |
| Noninterest income to average assets | 0.5021% | 3,315 |
| Noninterest expense to average assets | 3.7493% | 922 |
| Loan and lease loss provision to assets | 0.1075% | 2,198 |
| Net operating income to assets | 0.7400% | 3,617 |
| Return on assets (ROA) | 0.7682% | 3,562 |
| Pretax return on assets | 0.9550% | 3,632 |
| Return on Equity (ROE) | 7.0968% | 3,464 |
| Retained earnings to average equity (ytd only) | 5.3226% | 2,192 |
| Net charge-offs to loans | 0.2987% | 1,010 |
| Credit loss provision to net charge-offs | 53.9823% | 3,348 |
| Earnings coverage of net charge-offs (x) | 5.1593% | 3,429 |
| Efficiency ratio | 78.4950% | 1,888 |
| Assets per employee ($millions) | 2.5126% | 5,888 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 5,177 |
| Loan loss allowance to noncurrent loans | 27.9029% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 1.9969% | 884 |
| Noncurrent loans to loans | 3.1401% | 497 |
| Net loans and leases to total assets | 63.0351% | 3,406 |
| Net loans and leases to deposits | 72.4604% | 3,669 |
| Net loans and leases to core deposits | 72.9041% | 4,046 |
| Total domestic deposits to total assets | 86.9926% | 2,143 |
| Equity capital to assets | 10.9275% | 2,902 |
| Core capital (leverage) ratio | 10.9397% | 2,462 |
| Tier 1 risk-based capital ratio | 17.6861% | 2,059 |
| Total risk-based capital ratio | 18.6039% | 2,115 |
| Memoranda: | ||
| Average total assets | $56,756,800 | 5,390 |
| Average earning assets | $51,613,400 | 5,401 |
| Average equity | $6,143,600 | 5,408 |
| Average total loans | $37,833,600 | 5,094 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1090% | 507 |
| Cost of funding earning assets | 0.4298% | 2,906 |
| Net interest margin | 4.6792% | 471 |
| Noninterest income to average assets | 0.4885% | 3,449 |
| Noninterest expense to average assets | 3.7404% | 918 |
| Loan and lease loss provision to assets | 0.1227% | 1,855 |
| Net operating income to assets | 0.7184% | 3,828 |
| Return on assets (ROA) | 0.7552% | 3,758 |
| Pretax return on assets | 0.9628% | 3,770 |
| Return on Equity (ROE) | 6.9936% | 3,620 |
| Retained earnings to average equity (ytd only) | 4.6114% | 3,188 |
| Net charge-offs to loans | 0.3219% | 827 |
| Credit loss provision to net charge-offs | 56.5217% | 2,953 |
| Earnings coverage of net charge-offs (x) | 4.7827% | 3,300 |
| Efficiency ratio | 78.2716% | 1,910 |
| Assets per employee ($millions) | 2.4660% | 5,974 |
| Cash dividends to net income (ytd only)* | 34.0623% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 5,266 |
| Loan loss allowance to noncurrent loans | 28.7435% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 2.0488% | 986 |
| Noncurrent loans to loans | 3.0738% | 561 |
| Net loans and leases to total assets | 66.0631% | 3,000 |
| Net loans and leases to deposits | 75.9635% | 3,307 |
| Net loans and leases to core deposits | 76.4361% | 3,750 |
| Total domestic deposits to total assets | 86.9669% | 2,062 |
| Equity capital to assets | 10.9156% | 3,109 |
| Core capital (leverage) ratio | 10.7969% | 2,719 |
| Tier 1 risk-based capital ratio | 17.0655% | 2,354 |
| Total risk-based capital ratio | 18.0015% | 2,415 |
| Memoranda: | ||
| Average total assets | $56,498,500 | 5,465 |
| Average earning assets | $51,802,500 | 5,466 |
| Average equity | $6,100,750 | 5,481 |
| Average total loans | $38,104,500 | 5,139 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0870% | 522 |
| Cost of funding earning assets | 0.4242% | 2,997 |
| Net interest margin | 4.6628% | 471 |
| Noninterest income to average assets | 0.4856% | 3,467 |
| Noninterest expense to average assets | 3.7820% | 887 |
| Loan and lease loss provision to assets | 0.1772% | 1,165 |
| Net operating income to assets | 0.6451% | 4,147 |
| Return on assets (ROA) | 0.7018% | 4,001 |
| Pretax return on assets | 0.8826% | 4,019 |
| Return on Equity (ROE) | 6.5232% | 3,871 |
| Retained earnings to average equity (ytd only) | 4.1182% | 3,403 |
| Net charge-offs to loans | 0.4502% | 567 |
| Credit loss provision to net charge-offs | 58.1395% | 2,608 |
| Earnings coverage of net charge-offs (x) | 3.2442% | 3,216 |
| Efficiency ratio | 79.2719% | 1,870 |
| Assets per employee ($millions) | 2.3473% | 6,106 |
| Cash dividends to net income (ytd only)* | 36.8687% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8802% | 5,367 |
| Loan loss allowance to noncurrent loans | 27.1704% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 2.2083% | 946 |
| Noncurrent loans to loans | 3.2397% | 577 |
| Net loans and leases to total assets | 67.5631% | 2,705 |
| Net loans and leases to deposits | 77.5947% | 3,080 |
| Net loans and leases to core deposits | 78.0787% | 3,562 |
| Total domestic deposits to total assets | 87.0718% | 2,129 |
| Equity capital to assets | 10.8087% | 3,096 |
| Core capital (leverage) ratio | 10.6564% | 2,780 |
| Tier 1 risk-based capital ratio | 16.9136% | 2,439 |
| Total risk-based capital ratio | 17.8656% | 2,510 |
| Memoranda: | ||
| Average total assets | $56,425,670 | 5,529 |
| Average earning assets | $51,857,670 | 5,523 |
| Average equity | $6,070,670 | 5,536 |
| Average total loans | $38,205,000 | 5,173 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0259% | 555 |
| Cost of funding earning assets | 0.4464% | 2,808 |
| Net interest margin | 4.5795% | 523 |
| Noninterest income to average assets | 0.4604% | 3,572 |
| Noninterest expense to average assets | 3.6691% | 1,042 |
| Loan and lease loss provision to assets | 0.0071% | 3,616 |
| Net operating income to assets | 0.7792% | 3,370 |
| Return on assets (ROA) | 0.7792% | 3,504 |
| Pretax return on assets | 0.9987% | 3,514 |
| Return on Equity (ROE) | 7.2589% | 3,362 |
| Retained earnings to average equity (ytd only) | 2.4416% | 4,475 |
| Net charge-offs to loans | 0.0315% | 2,559 |
| Credit loss provision to net charge-offs | 33.3333% | 2,246 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 870 |
| Efficiency ratio | 78.4848% | 2,118 |
| Assets per employee ($millions) | 2.5300% | 6,088 |
| Cash dividends to net income (ytd only)* | 66.3636% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 5,147 |
| Loan loss allowance to noncurrent loans | 50.9589% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 2,129 |
| Noncurrent loans to loans | 1.9133% | 1,401 |
| Net loans and leases to total assets | 64.9276% | 2,952 |
| Net loans and leases to deposits | 74.4356% | 3,248 |
| Net loans and leases to core deposits | 74.8826% | 3,699 |
| Total domestic deposits to total assets | 87.2265% | 2,252 |
| Equity capital to assets | 10.4707% | 3,563 |
| Core capital (leverage) ratio | 10.4956% | 2,969 |
| Tier 1 risk-based capital ratio | 16.5487% | 2,663 |
| Total risk-based capital ratio | 17.5891% | 2,703 |
| Memoranda: | ||
| Average total assets | $56,471,500 | 5,580 |
| Average earning assets | $51,971,000 | 5,562 |
| Average equity | $6,061,500 | 5,586 |
| Average total loans | $38,108,000 | 5,206 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3831% | 393 |
| Cost of funding earning assets | 0.4937% | 2,727 |
| Net interest margin | 4.8894% | 365 |
| Noninterest income to average assets | 0.5987% | 2,861 |
| Noninterest expense to average assets | 3.7499% | 1,065 |
| Loan and lease loss provision to assets | 0.0128% | 4,362 |
| Net operating income to assets | 1.0235% | 2,286 |
| Return on assets (ROA) | 1.0235% | 2,357 |
| Pretax return on assets | 1.3513% | 2,070 |
| Return on Equity (ROE) | 9.7404% | 2,229 |
| Retained earnings to average equity (ytd only) | 7.8411% | 1,079 |
| Net charge-offs to loans | 0.1068% | 2,984 |
| Credit loss provision to net charge-offs | 17.5000% | 4,004 |
| Earnings coverage of net charge-offs (x) | 18.6250% | 1,832 |
| Efficiency ratio | 73.3262% | 2,960 |
| Assets per employee ($millions) | 2.3805% | 6,232 |
| Cash dividends to net income (ytd only)* | 19.4991% | 3,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 5,147 |
| Loan loss allowance to noncurrent loans | 62.7517% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0885% | 2,574 |
| Noncurrent loans to loans | 1.5659% | 1,867 |
| Net loans and leases to total assets | 68.8340% | 2,428 |
| Net loans and leases to deposits | 79.5844% | 2,777 |
| Net loans and leases to core deposits | 80.0969% | 3,289 |
| Total domestic deposits to total assets | 86.4918% | 2,572 |
| Equity capital to assets | 11.0133% | 2,883 |
| Core capital (leverage) ratio | 10.6898% | 2,728 |
| Tier 1 risk-based capital ratio | 15.7779% | 3,079 |
| Total risk-based capital ratio | 16.7781% | 3,150 |
| Memoranda: | ||
| Average total assets | $54,615,000 | 5,686 |
| Average earning assets | $50,436,000 | 5,664 |
| Average equity | $5,739,000 | 5,683 |
| Average total loans | $37,459,200 | 5,279 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3492% | 412 |
| Cost of funding earning assets | 0.4991% | 2,778 |
| Net interest margin | 4.8501% | 380 |
| Noninterest income to average assets | 0.6327% | 2,669 |
| Noninterest expense to average assets | 3.6960% | 1,131 |
| Loan and lease loss provision to assets | -0.0073% | 6,082 |
| Net operating income to assets | 1.0602% | 2,194 |
| Return on assets (ROA) | 1.0602% | 2,261 |
| Pretax return on assets | 1.4071% | 1,981 |
| Return on Equity (ROE) | 10.2122% | 2,111 |
| Retained earnings to average equity (ytd only) | 7.6474% | 1,512 |
| Net charge-offs to loans | 0.1251% | 2,550 |
| Credit loss provision to net charge-offs | -8.5714% | 5,236 |
| Earnings coverage of net charge-offs (x) | 16.3698% | 1,981 |
| Efficiency ratio | 72.5312% | 3,085 |
| Assets per employee ($millions) | 2.4397% | 6,266 |
| Cash dividends to net income (ytd only)* | 25.1154% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 5,446 |
| Loan loss allowance to noncurrent loans | 45.2761% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 1.4596% | 2,115 |
| Noncurrent loans to loans | 2.0890% | 1,500 |
| Net loans and leases to total assets | 68.8682% | 2,396 |
| Net loans and leases to deposits | 79.0024% | 2,838 |
| Net loans and leases to core deposits | 79.4931% | 3,372 |
| Total domestic deposits to total assets | 87.1723% | 2,221 |
| Equity capital to assets | 10.4735% | 3,597 |
| Core capital (leverage) ratio | 10.5362% | 3,006 |
| Tier 1 risk-based capital ratio | 14.9352% | 3,630 |
| Total risk-based capital ratio | 15.8895% | 3,736 |
| Memoranda: | ||
| Average total assets | $54,580,750 | 5,746 |
| Average earning assets | $50,224,500 | 5,730 |
| Average equity | $5,666,250 | 5,754 |
| Average total loans | $37,308,500 | 5,329 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3382% | 410 |
| Cost of funding earning assets | 0.5051% | 2,785 |
| Net interest margin | 4.8331% | 391 |
| Noninterest income to average assets | 0.6769% | 2,392 |
| Noninterest expense to average assets | 3.7211% | 1,099 |
| Loan and lease loss provision to assets | -0.0962% | 6,370 |
| Net operating income to assets | 1.1060% | 1,920 |
| Return on assets (ROA) | 1.1060% | 1,988 |
| Pretax return on assets | 1.4759% | 1,617 |
| Return on Equity (ROE) | 10.6862% | 1,849 |
| Retained earnings to average equity (ytd only) | 8.0772% | 1,301 |
| Net charge-offs to loans | 0.1633% | 2,086 |
| Credit loss provision to net charge-offs | -86.6667% | 5,232 |
| Earnings coverage of net charge-offs (x) | 12.4333% | 2,061 |
| Efficiency ratio | 72.9514% | 3,169 |
| Assets per employee ($millions) | 2.4740% | 6,311 |
| Cash dividends to net income (ytd only)* | 24.4147% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 5,640 |
| Loan loss allowance to noncurrent loans | 119.7952% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 4,377 |
| Noncurrent loans to loans | 0.7745% | 3,763 |
| Net loans and leases to total assets | 68.8629% | 2,265 |
| Net loans and leases to deposits | 79.2640% | 2,617 |
| Net loans and leases to core deposits | 79.7718% | 3,238 |
| Total domestic deposits to total assets | 86.8778% | 2,529 |
| Equity capital to assets | 10.6161% | 3,289 |
| Core capital (leverage) ratio | 10.4276% | 3,050 |
| Tier 1 risk-based capital ratio | 15.0094% | 3,637 |
| Total risk-based capital ratio | 15.9374% | 3,768 |
| Memoranda: | ||
| Average total assets | $54,070,000 | 5,807 |
| Average earning assets | $49,492,330 | 5,801 |
| Average equity | $5,596,000 | 5,807 |
| Average total loans | $36,740,330 | 5,386 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2644% | 436 |
| Cost of funding earning assets | 0.5053% | 2,850 |
| Net interest margin | 4.7592% | 413 |
| Noninterest income to average assets | 0.5121% | 3,316 |
| Noninterest expense to average assets | 3.6666% | 1,180 |
| Loan and lease loss provision to assets | -0.1930% | 6,562 |
| Net operating income to assets | 1.0317% | 2,077 |
| Return on assets (ROA) | 1.0317% | 2,153 |
| Pretax return on assets | 1.3731% | 1,842 |
| Return on Equity (ROE) | 10.0999% | 1,997 |
| Retained earnings to average equity (ytd only) | 4.7956% | 3,236 |
| Net charge-offs to loans | 0.3536% | 1,012 |
| Credit loss provision to net charge-offs | -81.2500% | 4,811 |
| Earnings coverage of net charge-offs (x) | 4.9688% | 2,453 |
| Efficiency ratio | 75.6508% | 2,852 |
| Assets per employee ($millions) | 2.7693% | 6,138 |
| Cash dividends to net income (ytd only)* | 52.5180% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9655% | 5,650 |
| Loan loss allowance to noncurrent loans | 274.8031% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 5,515 |
| Noncurrent loans to loans | 0.3513% | 5,063 |
| Net loans and leases to total assets | 64.6366% | 2,784 |
| Net loans and leases to deposits | 73.6317% | 3,111 |
| Net loans and leases to core deposits | 74.0904% | 3,636 |
| Total domestic deposits to total assets | 87.7837% | 2,359 |
| Equity capital to assets | 10.0280% | 3,811 |
| Core capital (leverage) ratio | 10.3793% | 3,079 |
| Tier 1 risk-based capital ratio | 14.5772% | 3,962 |
| Total risk-based capital ratio | 15.4995% | 4,111 |
| Memoranda: | ||
| Average total assets | $53,891,500 | 5,867 |
| Average earning assets | $49,084,000 | 5,866 |
| Average equity | $5,505,000 | 5,863 |
| Average total loans | $36,195,000 | 5,456 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4836% | 372 |
| Cost of funding earning assets | 0.5956% | 2,707 |
| Net interest margin | 4.8879% | 370 |
| Noninterest income to average assets | 0.5894% | 3,155 |
| Noninterest expense to average assets | 3.7547% | 1,209 |
| Loan and lease loss provision to assets | 0.1521% | 2,377 |
| Net operating income to assets | 0.9054% | 2,754 |
| Return on assets (ROA) | 0.9144% | 2,798 |
| Pretax return on assets | 1.1559% | 2,747 |
| Return on Equity (ROE) | 9.0142% | 2,528 |
| Retained earnings to average equity (ytd only) | 7.2151% | 1,353 |
| Net charge-offs to loans | 0.2866% | 2,254 |
| Credit loss provision to net charge-offs | 79.2079% | 3,067 |
| Earnings coverage of net charge-offs (x) | 6.7525% | 2,993 |
| Efficiency ratio | 74.3320% | 3,077 |
| Assets per employee ($millions) | 2.3817% | 6,471 |
| Cash dividends to net income (ytd only)* | 19.9584% | 3,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 5,033 |
| Loan loss allowance to noncurrent loans | 215.3439% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 5,073 |
| Noncurrent loans to loans | 0.5215% | 4,686 |
| Net loans and leases to total assets | 68.3900% | 2,283 |
| Net loans and leases to deposits | 80.1875% | 2,432 |
| Net loans and leases to core deposits | 80.9757% | 3,013 |
| Total domestic deposits to total assets | 85.2876% | 3,603 |
| Equity capital to assets | 10.4126% | 3,274 |
| Core capital (leverage) ratio | 10.2805% | 3,179 |
| Tier 1 risk-based capital ratio | 15.0034% | 3,666 |
| Total risk-based capital ratio | 16.1239% | 3,687 |
| Memoranda: | ||
| Average total assets | $52,600,200 | 5,952 |
| Average earning assets | $48,016,200 | 5,937 |
| Average equity | $5,336,000 | 5,977 |
| Average total loans | $35,237,200 | 5,524 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4757% | 386 |
| Cost of funding earning assets | 0.6189% | 2,656 |
| Net interest margin | 4.8568% | 389 |
| Noninterest income to average assets | 0.5926% | 3,195 |
| Noninterest expense to average assets | 3.6643% | 1,299 |
| Loan and lease loss provision to assets | 0.1190% | 2,813 |
| Net operating income to assets | 0.9522% | 2,581 |
| Return on assets (ROA) | 0.9522% | 2,685 |
| Pretax return on assets | 1.2409% | 2,547 |
| Return on Equity (ROE) | 9.4482% | 2,426 |
| Retained earnings to average equity (ytd only) | 7.0358% | 1,858 |
| Net charge-offs to loans | 0.2973% | 2,050 |
| Credit loss provision to net charge-offs | 60.2564% | 3,293 |
| Earnings coverage of net charge-offs (x) | 6.8844% | 2,889 |
| Efficiency ratio | 72.9335% | 3,234 |
| Assets per employee ($millions) | 2.2395% | 6,621 |
| Cash dividends to net income (ytd only)* | 25.5326% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 5,222 |
| Loan loss allowance to noncurrent loans | 190.8654% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 5,122 |
| Noncurrent loans to loans | 0.5903% | 4,723 |
| Net loans and leases to total assets | 67.6419% | 2,345 |
| Net loans and leases to deposits | 77.7007% | 2,713 |
| Net loans and leases to core deposits | 78.4619% | 3,302 |
| Total domestic deposits to total assets | 87.0544% | 2,665 |
| Equity capital to assets | 10.3906% | 3,402 |
| Core capital (leverage) ratio | 10.0585% | 3,586 |
| Tier 1 risk-based capital ratio | 15.1998% | 3,627 |
| Total risk-based capital ratio | 16.3259% | 3,652 |
| Memoranda: | ||
| Average total assets | $52,650,750 | 6,016 |
| Average earning assets | $48,041,250 | 6,004 |
| Average equity | $5,306,000 | 6,058 |
| Average total loans | $34,986,000 | 5,591 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4903% | 380 |
| Cost of funding earning assets | 0.6464% | 2,527 |
| Net interest margin | 4.8439% | 408 |
| Noninterest income to average assets | 0.5732% | 3,359 |
| Noninterest expense to average assets | 3.7374% | 1,189 |
| Loan and lease loss provision to assets | 0.1735% | 2,170 |
| Net operating income to assets | 0.8372% | 3,113 |
| Return on assets (ROA) | 0.8372% | 3,266 |
| Pretax return on assets | 1.0711% | 3,213 |
| Return on Equity (ROE) | 8.3921% | 2,900 |
| Retained earnings to average equity (ytd only) | 5.6704% | 2,631 |
| Net charge-offs to loans | 0.4011% | 1,610 |
| Credit loss provision to net charge-offs | 65.7143% | 2,921 |
| Earnings coverage of net charge-offs (x) | 4.7143% | 3,056 |
| Efficiency ratio | 75.0189% | 2,943 |
| Assets per employee ($millions) | 2.5043% | 6,496 |
| Cash dividends to net income (ytd only)* | 32.4324% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 5,279 |
| Loan loss allowance to noncurrent loans | 209.3264% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 5,282 |
| Noncurrent loans to loans | 0.5446% | 4,893 |
| Net loans and leases to total assets | 66.6141% | 2,482 |
| Net loans and leases to deposits | 76.6134% | 2,782 |
| Net loans and leases to core deposits | 77.3492% | 3,378 |
| Total domestic deposits to total assets | 86.9483% | 2,848 |
| Equity capital to assets | 9.9751% | 3,947 |
| Core capital (leverage) ratio | 9.6790% | 3,970 |
| Tier 1 risk-based capital ratio | 14.3831% | 4,170 |
| Total risk-based capital ratio | 15.4975% | 4,212 |
| Memoranda: | ||
| Average total assets | $53,031,670 | 6,052 |
| Average earning assets | $48,267,000 | 6,034 |
| Average equity | $5,290,670 | 6,102 |
| Average total loans | $34,902,000 | 5,623 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4255% | 414 |
| Cost of funding earning assets | 0.6574% | 2,589 |
| Net interest margin | 4.7681% | 424 |
| Noninterest income to average assets | 0.4958% | 3,798 |
| Noninterest expense to average assets | 3.5604% | 1,497 |
| Loan and lease loss provision to assets | 0.1427% | 2,458 |
| Net operating income to assets | 0.8488% | 2,907 |
| Return on assets (ROA) | 0.8488% | 3,046 |
| Pretax return on assets | 1.0967% | 2,961 |
| Return on Equity (ROE) | 8.5074% | 2,716 |
| Retained earnings to average equity (ytd only) | 3.0868% | 4,430 |
| Net charge-offs to loans | 0.1270% | 2,659 |
| Credit loss provision to net charge-offs | 172.7273% | 1,224 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,421 |
| Efficiency ratio | 74.1784% | 3,232 |
| Assets per employee ($millions) | 2.4640% | 6,616 |
| Cash dividends to net income (ytd only)* | 63.7168% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 4,882 |
| Loan loss allowance to noncurrent loans | 162.6866% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 5,077 |
| Noncurrent loans to loans | 0.7759% | 4,566 |
| Net loans and leases to total assets | 62.9102% | 2,899 |
| Net loans and leases to deposits | 73.1322% | 3,031 |
| Net loans and leases to core deposits | 73.8208% | 3,603 |
| Total domestic deposits to total assets | 86.0226% | 3,518 |
| Equity capital to assets | 9.8305% | 4,382 |
| Core capital (leverage) ratio | 9.5696% | 3,976 |
| Tier 1 risk-based capital ratio | 14.0186% | 4,493 |
| Total risk-based capital ratio | 15.2158% | 4,490 |
| Memoranda: | ||
| Average total assets | $53,252,000 | 6,096 |
| Average earning assets | $48,069,000 | 6,097 |
| Average equity | $5,313,000 | 6,157 |
| Average total loans | $34,634,500 | 5,683 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5386% | 578 |
| Cost of funding earning assets | 0.7763% | 2,861 |
| Net interest margin | 4.7623% | 579 |
| Noninterest income to average assets | 0.6067% | 3,244 |
| Noninterest expense to average assets | 3.6922% | 1,430 |
| Loan and lease loss provision to assets | 0.3516% | 1,900 |
| Net operating income to assets | 0.7255% | 3,616 |
| Return on assets (ROA) | 0.8907% | 3,099 |
| Pretax return on assets | 1.0762% | 3,251 |
| Return on Equity (ROE) | 9.0556% | 2,617 |
| Retained earnings to average equity (ytd only) | 7.3466% | 1,405 |
| Net charge-offs to loans | 0.8287% | 1,402 |
| Credit loss provision to net charge-offs | 65.7040% | 4,298 |
| Earnings coverage of net charge-offs (x) | 2.2960% | 4,272 |
| Efficiency ratio | 75.0294% | 2,902 |
| Assets per employee ($millions) | 2.3770% | 6,726 |
| Cash dividends to net income (ytd only)* | 18.8720% | 3,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 4,969 |
| Loan loss allowance to noncurrent loans | 96.1798% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0651% | 3,898 |
| Noncurrent loans to loans | 1.2813% | 3,696 |
| Net loans and leases to total assets | 65.5933% | 2,592 |
| Net loans and leases to deposits | 76.8242% | 2,680 |
| Net loans and leases to core deposits | 77.5800% | 3,319 |
| Total domestic deposits to total assets | 85.3810% | 3,670 |
| Equity capital to assets | 10.1291% | 4,004 |
| Core capital (leverage) ratio | 9.4645% | 4,160 |
| Tier 1 risk-based capital ratio | 14.3757% | 4,111 |
| Total risk-based capital ratio | 15.5908% | 4,094 |
| Memoranda: | ||
| Average total assets | $51,758,400 | 6,151 |
| Average earning assets | $46,888,800 | 6,153 |
| Average equity | $5,090,800 | 6,267 |
| Average total loans | $33,424,800 | 5,778 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5496% | 617 |
| Cost of funding earning assets | 0.7912% | 3,017 |
| Net interest margin | 4.7584% | 597 |
| Noninterest income to average assets | 0.5914% | 3,335 |
| Noninterest expense to average assets | 3.6416% | 1,472 |
| Loan and lease loss provision to assets | 0.3383% | 1,936 |
| Net operating income to assets | 0.7504% | 3,691 |
| Return on assets (ROA) | 0.9685% | 2,882 |
| Pretax return on assets | 1.1803% | 3,060 |
| Return on Equity (ROE) | 9.9219% | 2,379 |
| Retained earnings to average equity (ytd only) | 7.6200% | 1,785 |
| Net charge-offs to loans | 1.0474% | 1,005 |
| Credit loss provision to net charge-offs | 50.3846% | 4,393 |
| Earnings coverage of net charge-offs (x) | 1.8654% | 4,327 |
| Efficiency ratio | 74.4063% | 2,914 |
| Assets per employee ($millions) | 2.3688% | 6,811 |
| Cash dividends to net income (ytd only)* | 23.2005% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 5,534 |
| Loan loss allowance to noncurrent loans | 102.0725% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.9844% | 4,317 |
| Noncurrent loans to loans | 1.1240% | 4,177 |
| Net loans and leases to total assets | 65.1437% | 2,809 |
| Net loans and leases to deposits | 76.7157% | 2,870 |
| Net loans and leases to core deposits | 77.4773% | 3,537 |
| Total domestic deposits to total assets | 84.9158% | 3,777 |
| Equity capital to assets | 10.1009% | 4,352 |
| Core capital (leverage) ratio | 9.6043% | 4,109 |
| Tier 1 risk-based capital ratio | 14.0653% | 4,482 |
| Total risk-based capital ratio | 15.1786% | 4,541 |
| Memoranda: | ||
| Average total assets | $51,624,250 | 6,230 |
| Average earning assets | $46,681,250 | 6,233 |
| Average equity | $5,039,250 | 6,351 |
| Average total loans | $33,098,500 | 5,870 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5078% | 710 |
| Cost of funding earning assets | 0.8249% | 2,990 |
| Net interest margin | 4.6829% | 696 |
| Noninterest income to average assets | 0.4897% | 3,989 |
| Noninterest expense to average assets | 3.6960% | 1,383 |
| Loan and lease loss provision to assets | 0.3342% | 1,972 |
| Net operating income to assets | 0.5733% | 4,481 |
| Return on assets (ROA) | 0.9055% | 3,157 |
| Pretax return on assets | 1.0960% | 3,316 |
| Return on Equity (ROE) | 9.3870% | 2,619 |
| Retained earnings to average equity (ytd only) | 7.0503% | 2,076 |
| Net charge-offs to loans | 1.1259% | 960 |
| Credit loss provision to net charge-offs | 46.7391% | 4,112 |
| Earnings coverage of net charge-offs (x) | 1.4402% | 4,278 |
| Efficiency ratio | 78.2072% | 2,430 |
| Assets per employee ($millions) | 2.3442% | 6,869 |
| Cash dividends to net income (ytd only)* | 24.8927% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 5,125 |
| Loan loss allowance to noncurrent loans | 79.7373% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.2992% | 3,827 |
| Noncurrent loans to loans | 1.5670% | 3,560 |
| Net loans and leases to total assets | 65.1284% | 2,824 |
| Net loans and leases to deposits | 78.1116% | 2,653 |
| Net loans and leases to core deposits | 78.9099% | 3,375 |
| Total domestic deposits to total assets | 83.3786% | 4,585 |
| Equity capital to assets | 9.8173% | 4,597 |
| Core capital (leverage) ratio | 9.3485% | 4,374 |
| Tier 1 risk-based capital ratio | 13.9763% | 4,465 |
| Total risk-based capital ratio | 15.1970% | 4,456 |
| Memoranda: | ||
| Average total assets | $51,461,000 | 6,276 |
| Average earning assets | $46,552,330 | 6,276 |
| Average equity | $4,964,330 | 6,398 |
| Average total loans | $32,683,670 | 5,922 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4585% | 814 |
| Cost of funding earning assets | 0.8664% | 2,945 |
| Net interest margin | 4.5921% | 833 |
| Noninterest income to average assets | 0.4747% | 4,112 |
| Noninterest expense to average assets | 3.5016% | 1,758 |
| Loan and lease loss provision to assets | 0.5369% | 1,108 |
| Net operating income to assets | 0.4557% | 5,011 |
| Return on assets (ROA) | 1.1049% | 2,249 |
| Pretax return on assets | 1.3617% | 2,325 |
| Return on Equity (ROE) | 11.5565% | 1,820 |
| Retained earnings to average equity (ytd only) | 6.8362% | 2,509 |
| Net charge-offs to loans | 0.0375% | 4,173 |
| Credit loss provision to net charge-offs | 2,300.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 665 |
| Efficiency ratio | 76.1421% | 2,765 |
| Assets per employee ($millions) | 2.3622% | 6,949 |
| Cash dividends to net income (ytd only)* | 40.8451% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 2,946 |
| Loan loss allowance to noncurrent loans | 68.7281% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.8261% | 3,143 |
| Noncurrent loans to loans | 2.6389% | 2,463 |
| Net loans and leases to total assets | 61.3577% | 3,382 |
| Net loans and leases to deposits | 72.1997% | 3,405 |
| Net loans and leases to core deposits | 72.9179% | 4,030 |
| Total domestic deposits to total assets | 84.9834% | 4,047 |
| Equity capital to assets | 9.4845% | 4,826 |
| Core capital (leverage) ratio | 9.3612% | 4,262 |
| Tier 1 risk-based capital ratio | 13.8481% | 4,573 |
| Total risk-based capital ratio | 15.0983% | 4,550 |
| Memoranda: | ||
| Average total assets | $51,405,500 | 6,325 |
| Average earning assets | $46,166,500 | 6,324 |
| Average equity | $4,915,000 | 6,448 |
| Average total loans | $32,019,000 | 6,007 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8333% | 599 |
| Cost of funding earning assets | 1.0738% | 2,851 |
| Net interest margin | 4.7596% | 675 |
| Noninterest income to average assets | 0.5506% | 3,506 |
| Noninterest expense to average assets | 3.7271% | 1,487 |
| Loan and lease loss provision to assets | 0.8310% | 1,172 |
| Net operating income to assets | 0.2669% | 5,379 |
| Return on assets (ROA) | 0.5117% | 4,582 |
| Pretax return on assets | 0.5588% | 4,810 |
| Return on Equity (ROE) | 5.3556% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.3556% | 2,407 |
| Net charge-offs to loans | 1.2041% | 1,393 |
| Credit loss provision to net charge-offs | 107.1240% | 3,160 |
| Earnings coverage of net charge-offs (x) | 1.4485% | 4,684 |
| Efficiency ratio | 76.8354% | 2,767 |
| Assets per employee ($millions) | 2.3110% | 6,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 3,349 |
| Loan loss allowance to noncurrent loans | 61.8203% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 2.0259% | 2,930 |
| Noncurrent loans to loans | 2.6804% | 2,427 |
| Net loans and leases to total assets | 61.0499% | 3,772 |
| Net loans and leases to deposits | 72.1233% | 3,773 |
| Net loans and leases to core deposits | 73.7268% | 4,281 |
| Total domestic deposits to total assets | 84.6466% | 4,023 |
| Equity capital to assets | 9.6397% | 4,688 |
| Core capital (leverage) ratio | 9.3804% | 4,209 |
| Tier 1 risk-based capital ratio | 13.9144% | 4,385 |
| Total risk-based capital ratio | 15.1694% | 4,343 |
| Memoranda: | ||
| Average total assets | $48,859,000 | 6,395 |
| Average earning assets | $44,142,800 | 6,383 |
| Average equity | $4,668,000 | 6,544 |
| Average total loans | $31,475,800 | 6,096 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8559% | 614 |
| Cost of funding earning assets | 1.1102% | 2,911 |
| Net interest margin | 4.7457% | 692 |
| Noninterest income to average assets | 0.4714% | 4,114 |
| Noninterest expense to average assets | 3.6363% | 1,638 |
| Loan and lease loss provision to assets | 1.0256% | 830 |
| Net operating income to assets | 0.1516% | 5,831 |
| Return on assets (ROA) | 0.3060% | 5,547 |
| Pretax return on assets | 0.2536% | 5,801 |
| Return on Equity (ROE) | 3.2106% | 5,345 |
| Retained earnings to average equity (ytd only) | 3.2106% | 4,423 |
| Net charge-offs to loans | 1.1572% | 1,363 |
| Credit loss provision to net charge-offs | 136.2637% | 2,344 |
| Earnings coverage of net charge-offs (x) | 1.4945% | 4,516 |
| Efficiency ratio | 76.3752% | 2,786 |
| Assets per employee ($millions) | 2.3100% | 7,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 2,805 |
| Loan loss allowance to noncurrent loans | 82.9847% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.8409% | 3,346 |
| Noncurrent loans to loans | 2.2150% | 3,093 |
| Net loans and leases to total assets | 65.5020% | 3,002 |
| Net loans and leases to deposits | 77.9774% | 2,999 |
| Net loans and leases to core deposits | 78.9461% | 3,782 |
| Total domestic deposits to total assets | 84.0012% | 4,230 |
| Equity capital to assets | 9.9629% | 4,392 |
| Core capital (leverage) ratio | 9.3930% | 4,315 |
| Tier 1 risk-based capital ratio | 13.5960% | 4,656 |
| Total risk-based capital ratio | 14.8538% | 4,620 |
| Memoranda: | ||
| Average total assets | $48,363,250 | 6,469 |
| Average earning assets | $43,715,750 | 6,453 |
| Average equity | $4,609,750 | 6,610 |
| Average total loans | $31,454,250 | 6,171 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8595% | 638 |
| Cost of funding earning assets | 1.1425% | 2,950 |
| Net interest margin | 4.7169% | 701 |
| Noninterest income to average assets | 0.3808% | 4,838 |
| Noninterest expense to average assets | 3.7215% | 1,488 |
| Loan and lease loss provision to assets | 0.9728% | 907 |
| Net operating income to assets | 0.0455% | 6,129 |
| Return on assets (ROA) | 0.2028% | 5,846 |
| Pretax return on assets | 0.0993% | 6,103 |
| Return on Equity (ROE) | 2.1608% | 5,739 |
| Retained earnings to average equity (ytd only) | 2.1608% | 4,910 |
| Net charge-offs to loans | 1.7079% | 840 |
| Credit loss provision to net charge-offs | 88.3459% | 3,506 |
| Earnings coverage of net charge-offs (x) | 0.8308% | 4,680 |
| Efficiency ratio | 80.2679% | 2,350 |
| Assets per employee ($millions) | 2.3036% | 7,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 4,257 |
| Loan loss allowance to noncurrent loans | 70.4545% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.6951% | 3,645 |
| Noncurrent loans to loans | 2.0865% | 3,367 |
| Net loans and leases to total assets | 64.4266% | 3,370 |
| Net loans and leases to deposits | 78.1657% | 3,097 |
| Net loans and leases to core deposits | 79.1583% | 3,906 |
| Total domestic deposits to total assets | 82.4231% | 5,014 |
| Equity capital to assets | 9.6308% | 4,623 |
| Core capital (leverage) ratio | 9.3075% | 4,242 |
| Tier 1 risk-based capital ratio | 13.4599% | 4,564 |
| Total risk-based capital ratio | 14.7102% | 4,541 |
| Memoranda: | ||
| Average total assets | $48,314,330 | 6,532 |
| Average earning assets | $43,587,670 | 6,520 |
| Average equity | $4,535,330 | 6,671 |
| Average total loans | $31,149,000 | 6,234 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8489% | 669 |
| Cost of funding earning assets | 1.1550% | 3,125 |
| Net interest margin | 4.6939% | 716 |
| Noninterest income to average assets | 0.0414% | 7,176 |
| Noninterest expense to average assets | 3.8108% | 1,321 |
| Loan and lease loss provision to assets | 0.8202% | 1,019 |
| Net operating income to assets | -0.1243% | 6,481 |
| Return on assets (ROA) | -0.1243% | 6,499 |
| Pretax return on assets | -0.3811% | 6,674 |
| Return on Equity (ROE) | -1.3412% | 6,532 |
| Retained earnings to average equity (ytd only) | -1.3412% | 6,055 |
| Net charge-offs to loans | 1.4365% | 949 |
| Credit loss provision to net charge-offs | 89.1892% | 2,953 |
| Earnings coverage of net charge-offs (x) | 0.4775% | 4,265 |
| Efficiency ratio | 89.6686% | 1,362 |
| Assets per employee ($millions) | 2.3421% | 7,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 3,833 |
| Loan loss allowance to noncurrent loans | 89.1344% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.4395% | 4,111 |
| Noncurrent loans to loans | 1.7692% | 3,866 |
| Net loans and leases to total assets | 61.4163% | 3,980 |
| Net loans and leases to deposits | 72.3157% | 4,019 |
| Net loans and leases to core deposits | 75.0093% | 4,428 |
| Total domestic deposits to total assets | 84.9280% | 4,066 |
| Equity capital to assets | 9.1635% | 4,928 |
| Core capital (leverage) ratio | 9.2359% | 4,234 |
| Tier 1 risk-based capital ratio | 12.5102% | 5,254 |
| Total risk-based capital ratio | 13.7712% | 5,225 |
| Memoranda: | ||
| Average total assets | $48,283,500 | 6,579 |
| Average earning assets | $43,290,000 | 6,579 |
| Average equity | $4,473,500 | 6,717 |
| Average total loans | $30,907,500 | 6,292 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1229% | 673 |
| Cost of funding earning assets | 1.4173% | 3,152 |
| Net interest margin | 4.7056% | 808 |
| Noninterest income to average assets | 0.4825% | 4,304 |
| Noninterest expense to average assets | 3.6782% | 1,756 |
| Loan and lease loss provision to assets | 0.6703% | 2,465 |
| Net operating income to assets | 0.4078% | 4,507 |
| Return on assets (ROA) | 0.5166% | 4,174 |
| Pretax return on assets | 0.5700% | 4,419 |
| Return on Equity (ROE) | 5.4233% | 3,883 |
| Retained earnings to average equity (ytd only) | 4.3028% | 2,828 |
| Net charge-offs to loans | 0.8588% | 2,485 |
| Credit loss provision to net charge-offs | 115.4412% | 3,746 |
| Earnings coverage of net charge-offs (x) | 1.9301% | 4,279 |
| Efficiency ratio | 76.6459% | 2,941 |
| Assets per employee ($millions) | 2.2563% | 7,252 |
| Cash dividends to net income (ytd only)* | 20.6612% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 3,598 |
| Loan loss allowance to noncurrent loans | 74.0299% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 2.2371% | 3,043 |
| Noncurrent loans to loans | 2.1527% | 3,363 |
| Net loans and leases to total assets | 64.6392% | 3,738 |
| Net loans and leases to deposits | 78.3846% | 3,447 |
| Net loans and leases to core deposits | 81.5138% | 3,974 |
| Total domestic deposits to total assets | 82.4642% | 5,033 |
| Equity capital to assets | 9.3704% | 4,587 |
| Core capital (leverage) ratio | 9.4062% | 3,841 |
| Tier 1 risk-based capital ratio | 13.4269% | 4,273 |
| Total risk-based capital ratio | 14.6788% | 4,235 |
| Memoranda: | ||
| Average total assets | $46,843,400 | 6,640 |
| Average earning assets | $42,969,800 | 6,616 |
| Average equity | $4,462,200 | 6,828 |
| Average total loans | $31,670,800 | 6,332 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1158% | 737 |
| Cost of funding earning assets | 1.4684% | 3,155 |
| Net interest margin | 4.6474% | 949 |
| Noninterest income to average assets | 0.4739% | 4,389 |
| Noninterest expense to average assets | 3.5710% | 1,851 |
| Loan and lease loss provision to assets | 0.7279% | 2,096 |
| Net operating income to assets | 0.4082% | 4,719 |
| Return on assets (ROA) | 0.4082% | 4,891 |
| Pretax return on assets | 0.4482% | 5,077 |
| Return on Equity (ROE) | 4.2675% | 4,657 |
| Retained earnings to average equity (ytd only) | 3.5215% | 3,976 |
| Net charge-offs to loans | 0.8803% | 2,245 |
| Credit loss provision to net charge-offs | 121.4286% | 3,388 |
| Earnings coverage of net charge-offs (x) | 1.9619% | 4,241 |
| Efficiency ratio | 75.2255% | 3,099 |
| Assets per employee ($millions) | 2.2650% | 7,337 |
| Cash dividends to net income (ytd only)* | 17.4814% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 3,536 |
| Loan loss allowance to noncurrent loans | 59.1934% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.0751% | 3,368 |
| Noncurrent loans to loans | 2.6967% | 2,938 |
| Net loans and leases to total assets | 64.6750% | 3,977 |
| Net loans and leases to deposits | 77.0630% | 3,998 |
| Net loans and leases to core deposits | 78.0405% | 4,799 |
| Total domestic deposits to total assets | 83.9248% | 4,172 |
| Equity capital to assets | 9.6964% | 4,552 |
| Core capital (leverage) ratio | 9.3203% | 4,178 |
| Tier 1 risk-based capital ratio | 13.3358% | 4,327 |
| Total risk-based capital ratio | 14.6187% | 4,263 |
| Memoranda: | ||
| Average total assets | $46,708,500 | 6,722 |
| Average earning assets | $42,948,000 | 6,700 |
| Average equity | $4,467,750 | 6,922 |
| Average total loans | $31,807,500 | 6,406 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1253% | 718 |
| Cost of funding earning assets | 1.5618% | 2,896 |
| Net interest margin | 4.5635% | 1,078 |
| Noninterest income to average assets | 0.4481% | 4,533 |
| Noninterest expense to average assets | 3.4724% | 2,094 |
| Loan and lease loss provision to assets | 0.6505% | 2,211 |
| Net operating income to assets | 0.4437% | 4,572 |
| Return on assets (ROA) | 0.4437% | 4,725 |
| Pretax return on assets | 0.5170% | 4,852 |
| Return on Equity (ROE) | 4.6610% | 4,456 |
| Retained earnings to average equity (ytd only) | 3.5297% | 3,861 |
| Net charge-offs to loans | 0.6627% | 2,554 |
| Credit loss provision to net charge-offs | 142.4528% | 2,794 |
| Earnings coverage of net charge-offs (x) | 2.5566% | 3,723 |
| Efficiency ratio | 74.8375% | 3,293 |
| Assets per employee ($millions) | 2.3264% | 7,328 |
| Cash dividends to net income (ytd only)* | 24.2718% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 3,488 |
| Loan loss allowance to noncurrent loans | 52.6371% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 2.3169% | 3,115 |
| Noncurrent loans to loans | 3.0237% | 2,662 |
| Net loans and leases to total assets | 66.3106% | 3,766 |
| Net loans and leases to deposits | 79.0150% | 3,793 |
| Net loans and leases to core deposits | 79.0758% | 4,793 |
| Total domestic deposits to total assets | 83.9215% | 4,141 |
| Equity capital to assets | 9.6372% | 4,492 |
| Core capital (leverage) ratio | 9.1264% | 4,416 |
| Tier 1 risk-based capital ratio | 13.2634% | 4,238 |
| Total risk-based capital ratio | 14.4561% | 4,239 |
| Memoranda: | ||
| Average total assets | $46,423,330 | 6,778 |
| Average earning assets | $42,642,670 | 6,752 |
| Average equity | $4,419,670 | 6,971 |
| Average total loans | $31,989,670 | 6,437 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0481% | 889 |
| Cost of funding earning assets | 1.6015% | 2,954 |
| Net interest margin | 4.4466% | 1,260 |
| Noninterest income to average assets | 0.3968% | 4,937 |
| Noninterest expense to average assets | 3.5539% | 1,833 |
| Loan and lease loss provision to assets | 0.5866% | 2,159 |
| Net operating income to assets | 0.3192% | 5,211 |
| Return on assets (ROA) | 0.3192% | 5,344 |
| Pretax return on assets | 0.3278% | 5,530 |
| Return on Equity (ROE) | 3.3732% | 5,176 |
| Retained earnings to average equity (ytd only) | 1.0940% | 5,380 |
| Net charge-offs to loans | 1.3000% | 1,316 |
| Credit loss provision to net charge-offs | 64.7619% | 4,211 |
| Earnings coverage of net charge-offs (x) | 1.0095% | 4,165 |
| Efficiency ratio | 79.5367% | 2,642 |
| Assets per employee ($millions) | 2.4855% | 7,217 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 4,913 |
| Loan loss allowance to noncurrent loans | 45.9757% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 2.1959% | 3,281 |
| Noncurrent loans to loans | 2.8364% | 2,834 |
| Net loans and leases to total assets | 66.8290% | 3,673 |
| Net loans and leases to deposits | 79.3822% | 3,766 |
| Net loans and leases to core deposits | 80.3933% | 4,719 |
| Total domestic deposits to total assets | 84.1863% | 4,057 |
| Equity capital to assets | 9.3298% | 4,787 |
| Core capital (leverage) ratio | 9.2544% | 4,131 |
| Tier 1 risk-based capital ratio | 12.7989% | 4,479 |
| Total risk-based capital ratio | 14.0514% | 4,449 |
| Memoranda: | ||
| Average total assets | $46,371,000 | 6,865 |
| Average earning assets | $42,459,500 | 6,836 |
| Average equity | $4,387,500 | 7,041 |
| Average total loans | $32,308,500 | 6,499 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5682% | 581 |
| Cost of funding earning assets | 2.0869% | 2,528 |
| Net interest margin | 4.4812% | 1,212 |
| Noninterest income to average assets | 0.4280% | 4,985 |
| Noninterest expense to average assets | 3.3959% | 2,697 |
| Loan and lease loss provision to assets | 0.6099% | 3,361 |
| Net operating income to assets | 0.5006% | 3,725 |
| Return on assets (ROA) | 0.5157% | 3,766 |
| Pretax return on assets | 0.5885% | 3,931 |
| Return on Equity (ROE) | 6.1751% | 3,136 |
| Retained earnings to average equity (ytd only) | 6.1751% | 1,285 |
| Net charge-offs to loans | 0.7092% | 3,061 |
| Credit loss provision to net charge-offs | 120.7627% | 4,425 |
| Earnings coverage of net charge-offs (x) | 2.3390% | 3,975 |
| Efficiency ratio | 74.1935% | 3,859 |
| Assets per employee ($millions) | 2.2759% | 7,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 4,276 |
| Loan loss allowance to noncurrent loans | 77.6068% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 4,514 |
| Noncurrent loans to loans | 1.7923% | 3,951 |
| Net loans and leases to total assets | 70.7120% | 3,075 |
| Net loans and leases to deposits | 86.4704% | 2,829 |
| Net loans and leases to core deposits | 104.8267% | 3,467 |
| Total domestic deposits to total assets | 81.7760% | 5,047 |
| Equity capital to assets | 9.5986% | 4,272 |
| Core capital (leverage) ratio | 9.3279% | 3,933 |
| Tier 1 risk-based capital ratio | 12.8404% | 4,251 |
| Total risk-based capital ratio | 14.1190% | 4,186 |
| Memoranda: | ||
| Average total assets | $46,732,400 | 6,836 |
| Average earning assets | $43,269,400 | 6,800 |
| Average equity | $3,902,800 | 7,327 |
| Average total loans | $33,277,400 | 6,446 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5369% | 694 |
| Cost of funding earning assets | 2.1739% | 2,535 |
| Net interest margin | 4.3631% | 1,551 |
| Noninterest income to average assets | 0.4337% | 5,010 |
| Noninterest expense to average assets | 3.3335% | 2,792 |
| Loan and lease loss provision to assets | 0.6094% | 2,948 |
| Net operating income to assets | 0.5027% | 3,972 |
| Return on assets (ROA) | 0.5159% | 4,012 |
| Pretax return on assets | 0.5556% | 4,348 |
| Return on Equity (ROE) | 6.4090% | 3,342 |
| Retained earnings to average equity (ytd only) | 6.4090% | 1,760 |
| Net charge-offs to loans | 0.7776% | 2,417 |
| Credit loss provision to net charge-offs | 110.2564% | 4,613 |
| Earnings coverage of net charge-offs (x) | 2.0821% | 4,263 |
| Efficiency ratio | 74.3363% | 3,812 |
| Assets per employee ($millions) | 2.3099% | 7,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 4,531 |
| Loan loss allowance to noncurrent loans | 65.5864% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.5109% | 4,106 |
| Noncurrent loans to loans | 1.9768% | 3,674 |
| Net loans and leases to total assets | 70.0370% | 3,509 |
| Net loans and leases to deposits | 88.0336% | 2,952 |
| Net loans and leases to core deposits | 107.1358% | 3,577 |
| Total domestic deposits to total assets | 79.5571% | 5,609 |
| Equity capital to assets | 8.6391% | 6,055 |
| Core capital (leverage) ratio | 7.9999% | 6,356 |
| Tier 1 risk-based capital ratio | 11.3784% | 5,557 |
| Total risk-based capital ratio | 12.6547% | 5,476 |
| Memoranda: | ||
| Average total assets | $47,036,250 | 6,872 |
| Average earning assets | $43,668,750 | 6,833 |
| Average equity | $3,786,250 | 7,423 |
| Average total loans | $33,436,750 | 6,484 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5437% | 741 |
| Cost of funding earning assets | 2.2403% | 2,622 |
| Net interest margin | 4.3034% | 1,646 |
| Noninterest income to average assets | 0.4227% | 5,100 |
| Noninterest expense to average assets | 3.2801% | 3,054 |
| Loan and lease loss provision to assets | 0.5495% | 2,823 |
| Net operating income to assets | 0.5470% | 3,895 |
| Return on assets (ROA) | 0.5664% | 3,936 |
| Pretax return on assets | 0.6171% | 4,279 |
| Return on Equity (ROE) | 7.2082% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.2082% | 1,501 |
| Net charge-offs to loans | 0.8795% | 1,935 |
| Credit loss provision to net charge-offs | 87.8378% | 4,984 |
| Earnings coverage of net charge-offs (x) | 1.8311% | 4,198 |
| Efficiency ratio | 74.1165% | 4,017 |
| Assets per employee ($millions) | 2.3530% | 7,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 4,993 |
| Loan loss allowance to noncurrent loans | 54.1259% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 1.5194% | 3,944 |
| Noncurrent loans to loans | 2.2047% | 3,250 |
| Net loans and leases to total assets | 68.0932% | 4,138 |
| Net loans and leases to deposits | 84.1160% | 3,858 |
| Net loans and leases to core deposits | 102.9295% | 4,187 |
| Total domestic deposits to total assets | 80.9516% | 5,100 |
| Equity capital to assets | 8.0048% | 6,747 |
| Core capital (leverage) ratio | 7.8655% | 6,535 |
| Tier 1 risk-based capital ratio | 11.3295% | 5,567 |
| Total risk-based capital ratio | 12.5015% | 5,554 |
| Memoranda: | ||
| Average total assets | $47,316,000 | 6,930 |
| Average earning assets | $44,011,670 | 6,881 |
| Average equity | $3,718,000 | 7,507 |
| Average total loans | $33,655,670 | 6,527 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5818% | 739 |
| Cost of funding earning assets | 2.3597% | 2,463 |
| Net interest margin | 4.2221% | 1,831 |
| Noninterest income to average assets | 0.3625% | 5,540 |
| Noninterest expense to average assets | 3.2543% | 2,781 |
| Loan and lease loss provision to assets | 0.5059% | 2,449 |
| Net operating income to assets | 0.4974% | 4,432 |
| Return on assets (ROA) | 0.4974% | 4,621 |
| Pretax return on assets | 0.5396% | 4,950 |
| Return on Equity (ROE) | 6.3896% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.3896% | 2,466 |
| Net charge-offs to loans | 1.1439% | 1,204 |
| Credit loss provision to net charge-offs | 61.2245% | 4,497 |
| Earnings coverage of net charge-offs (x) | 1.2653% | 4,109 |
| Efficiency ratio | 75.6863% | 3,537 |
| Assets per employee ($millions) | 2.4003% | 7,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 5,542 |
| Loan loss allowance to noncurrent loans | 33.7626% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 2.2643% | 2,534 |
| Noncurrent loans to loans | 3.2293% | 1,999 |
| Net loans and leases to total assets | 69.3538% | 3,832 |
| Net loans and leases to deposits | 85.7143% | 3,682 |
| Net loans and leases to core deposits | 105.4475% | 3,978 |
| Total domestic deposits to total assets | 80.9128% | 5,007 |
| Equity capital to assets | 7.7782% | 7,097 |
| Core capital (leverage) ratio | 7.7648% | 6,795 |
| Tier 1 risk-based capital ratio | 10.7811% | 6,115 |
| Total risk-based capital ratio | 11.8604% | 6,202 |
| Memoranda: | ||
| Average total assets | $47,444,500 | 6,963 |
| Average earning assets | $44,243,000 | 6,919 |
| Average equity | $3,693,500 | 7,558 |
| Average total loans | $34,268,000 | 6,531 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1878% | 768 |
| Cost of funding earning assets | 2.8197% | 2,630 |
| Net interest margin | 4.3681% | 1,775 |
| Noninterest income to average assets | 0.4428% | 5,090 |
| Noninterest expense to average assets | 3.5248% | 2,328 |
| Loan and lease loss provision to assets | 0.9863% | 1,491 |
| Net operating income to assets | 0.0805% | 6,154 |
| Return on assets (ROA) | 0.0962% | 5,968 |
| Pretax return on assets | 0.0045% | 6,145 |
| Return on Equity (ROE) | 1.2555% | 5,843 |
| Retained earnings to average equity (ytd only) | 0.9635% | 4,656 |
| Net charge-offs to loans | 0.6697% | 1,842 |
| Credit loss provision to net charge-offs | 199.5475% | 2,449 |
| Earnings coverage of net charge-offs (x) | 1.9729% | 5,081 |
| Efficiency ratio | 78.3300% | 2,868 |
| Assets per employee ($millions) | 2.2325% | 7,659 |
| Cash dividends to net income (ytd only)* | 23.2558% | 4,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 4,837 |
| Loan loss allowance to noncurrent loans | 27.2911% | 6,876 |
| Noncurrent assets plus other real estate owned to assets | 3.1653% | 1,444 |
| Noncurrent loans to loans | 4.2552% | 1,144 |
| Net loans and leases to total assets | 73.5235% | 3,223 |
| Net loans and leases to deposits | 94.6562% | 2,670 |
| Net loans and leases to core deposits | 115.9552% | 3,124 |
| Total domestic deposits to total assets | 77.6742% | 5,813 |
| Equity capital to assets | 7.7917% | 7,102 |
| Core capital (leverage) ratio | 7.7241% | 6,895 |
| Tier 1 risk-based capital ratio | 10.4539% | 6,256 |
| Total risk-based capital ratio | 11.6276% | 6,214 |
| Memoranda: | ||
| Average total assets | $44,711,800 | 7,002 |
| Average earning assets | $41,528,600 | 6,967 |
| Average equity | $3,425,000 | 7,709 |
| Average total loans | $33,002,200 | 6,547 |