Home > The State Bank > Performance and Condition Ratios
The 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 | 3.9650% | 4,018 |
| Cost of funding earning assets | 1.3043% | 2,503 |
| Net interest margin | 2.6608% | 3,881 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.2003% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5113% | 3,645 |
| Return on assets (ROA) | 0.5227% | 3,610 |
| Pretax return on assets | 0.5429% | 3,738 |
| Return on Equity (ROE) | 9.0500% | 2,744 |
| Retained earnings to average equity (ytd only) | 5.4453% | 2,424 |
| Net charge-offs to loans | -1.2604% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.5580% | 884 |
| Assets per employee ($millions) | 7.1023% | 2,011 |
| Cash dividends to net income (ytd only)* | 39.8633% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1964% | 100 |
| Loan loss allowance to noncurrent loans | 241.5712% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 722 |
| Noncurrent loans to loans | 1.3232% | 526 |
| Net loans and leases to total assets | 52.4500% | 3,459 |
| Net loans and leases to deposits | 58.3602% | 3,612 |
| Net loans and leases to core deposits | 60.7375% | 3,739 |
| Total domestic deposits to total assets | 89.8700% | 795 |
| Equity capital to assets | 6.1929% | 4,198 |
| Core capital (leverage) ratio | 11.3380% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $83,990,000 | 3,985 |
| Average earning assets | $78,511,200 | 3,944 |
| Average equity | $4,848,200 | 4,273 |
| Average total loans | $43,398,200 | 3,943 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 4,022 |
| Cost of funding earning assets | 1.1671% | 2,538 |
| Net interest margin | 2.7180% | 3,861 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.9901% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7588% | 3,139 |
| Return on assets (ROA) | 0.7680% | 3,111 |
| Pretax return on assets | 0.7998% | 3,334 |
| Return on Equity (ROE) | 13.5600% | 1,778 |
| Retained earnings to average equity (ytd only) | 13.5559% | 733 |
| Net charge-offs to loans | -1.7047% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.5759% | 1,615 |
| Assets per employee ($millions) | 6.9186% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3219% | 93 |
| Loan loss allowance to noncurrent loans | 215.0146% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8263% | 670 |
| Noncurrent loans to loans | 1.5450% | 459 |
| Net loans and leases to total assets | 51.7000% | 3,517 |
| Net loans and leases to deposits | 55.2813% | 3,741 |
| Net loans and leases to core deposits | 57.6635% | 3,791 |
| Total domestic deposits to total assets | 93.5300% | 240 |
| Equity capital to assets | 4.8613% | 4,274 |
| Core capital (leverage) ratio | 11.5612% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $83,680,750 | 3,999 |
| Average earning assets | $78,142,750 | 3,967 |
| Average equity | $4,740,750 | 4,293 |
| Average total loans | $42,703,500 | 3,965 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 4,133 |
| Cost of funding earning assets | 1.0001% | 2,604 |
| Net interest margin | 2.7096% | 3,957 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.9023% | 3,817 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8681% | 2,861 |
| Return on assets (ROA) | 0.8772% | 2,820 |
| Pretax return on assets | 0.9130% | 3,133 |
| Return on Equity (ROE) | 14.7900% | 1,513 |
| Retained earnings to average equity (ytd only) | 14.7920% | 583 |
| Net charge-offs to loans | -2.5915% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.7995% | 2,004 |
| Assets per employee ($millions) | 6.9841% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4865% | 90 |
| Loan loss allowance to noncurrent loans | 210.4137% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 605 |
| Noncurrent loans to loans | 1.6570% | 384 |
| Net loans and leases to total assets | 48.7200% | 3,647 |
| Net loans and leases to deposits | 52.5029% | 3,817 |
| Net loans and leases to core deposits | 54.4893% | 3,870 |
| Total domestic deposits to total assets | 92.7900% | 284 |
| Equity capital to assets | 5.7392% | 4,220 |
| Core capital (leverage) ratio | 11.4220% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $83,900,000 | 4,015 |
| Average earning assets | $78,388,667 | 3,982 |
| Average equity | $4,975,667 | 4,296 |
| Average total loans | $42,137,333 | 3,986 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5762% | 4,181 |
| Cost of funding earning assets | 0.8457% | 2,552 |
| Net interest margin | 2.7306% | 4,035 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.9679% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8960% | 2,872 |
| Return on assets (ROA) | 0.9006% | 2,811 |
| Pretax return on assets | 0.9339% | 3,162 |
| Return on Equity (ROE) | 14.9500% | 1,561 |
| Retained earnings to average equity (ytd only) | 14.9451% | 807 |
| Net charge-offs to loans | -0.0095% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.9276% | 1,981 |
| Assets per employee ($millions) | 6.4522% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2287% | 308 |
| Loan loss allowance to noncurrent loans | 81.9383% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.3531% | 260 |
| Noncurrent loans to loans | 2.7200% | 171 |
| Net loans and leases to total assets | 48.6400% | 3,588 |
| Net loans and leases to deposits | 52.1754% | 3,783 |
| Net loans and leases to core deposits | 53.9235% | 3,835 |
| Total domestic deposits to total assets | 93.2200% | 272 |
| Equity capital to assets | 6.1517% | 4,149 |
| Core capital (leverage) ratio | 11.2653% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $83,945,500 | 4,064 |
| Average earning assets | $78,518,500 | 4,029 |
| Average equity | $5,058,500 | 4,347 |
| Average total loans | $42,053,000 | 4,035 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9519% | 4,187 |
| Cost of funding earning assets | 0.3546% | 2,443 |
| Net interest margin | 2.5974% | 4,177 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.0759% | 3,367 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.6972% | 3,629 |
| Return on assets (ROA) | 0.6936% | 3,584 |
| Pretax return on assets | 0.7095% | 3,827 |
| Return on Equity (ROE) | 9.1100% | 3,101 |
| Retained earnings to average equity (ytd only) | 7.7470% | 1,934 |
| Net charge-offs to loans | 0.0882% | 790 |
| Credit loss provision to net charge-offs | 166.6667% | 1,226 |
| Earnings coverage of net charge-offs (x) | 21.1000% | 1,867 |
| Efficiency ratio | 72.8326% | 1,348 |
| Assets per employee ($millions) | 6.4625% | 2,368 |
| Cash dividends to net income (ytd only)* | 14.9912% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 3,034 |
| Loan loss allowance to noncurrent loans | 39.2055% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.3784% | 249 |
| Noncurrent loans to loans | 2.7325% | 164 |
| Net loans and leases to total assets | 49.9000% | 3,508 |
| Net loans and leases to deposits | 56.0909% | 3,572 |
| Net loans and leases to core deposits | 57.2944% | 3,656 |
| Total domestic deposits to total assets | 88.9700% | 1,728 |
| Equity capital to assets | 5.9003% | 4,130 |
| Core capital (leverage) ratio | 11.8715% | 1,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $81,746,800 | 4,105 |
| Average earning assets | $75,306,600 | 4,098 |
| Average equity | $6,221,800 | 4,303 |
| Average total loans | $34,023,800 | 4,168 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7174% | 4,283 |
| Cost of funding earning assets | 0.2882% | 2,297 |
| Net interest margin | 2.4292% | 4,285 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 1.8116% | 3,964 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8901% | 2,904 |
| Return on assets (ROA) | 0.8852% | 2,909 |
| Pretax return on assets | 0.9033% | 3,302 |
| Return on Equity (ROE) | 10.9900% | 2,383 |
| Retained earnings to average equity (ytd only) | 10.9919% | 1,059 |
| Net charge-offs to loans | 0.1294% | 495 |
| Credit loss provision to net charge-offs | 96.7742% | 1,351 |
| Earnings coverage of net charge-offs (x) | 18.8065% | 1,743 |
| Efficiency ratio | 65.4211% | 2,354 |
| Assets per employee ($millions) | 6.6554% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 2,916 |
| Loan loss allowance to noncurrent loans | 27.3300% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.9884% | 133 |
| Noncurrent loans to loans | 4.1021% | 90 |
| Net loans and leases to total assets | 47.9300% | 3,633 |
| Net loans and leases to deposits | 50.7518% | 3,806 |
| Net loans and leases to core deposits | 52.2888% | 3,842 |
| Total domestic deposits to total assets | 94.4400% | 300 |
| Equity capital to assets | 5.4580% | 4,143 |
| Core capital (leverage) ratio | 11.7068% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $81,180,500 | 4,144 |
| Average earning assets | $74,482,250 | 4,134 |
| Average equity | $6,538,000 | 4,309 |
| Average total loans | $31,935,250 | 4,235 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4826% | 4,391 |
| Cost of funding earning assets | 0.2791% | 1,917 |
| Net interest margin | 2.2035% | 4,426 |
| Noninterest income to average assets | 0.6935% | 1,367 |
| Noninterest expense to average assets | 1.7496% | 4,054 |
| Loan and lease loss provision to assets | 0.0245% | 2,155 |
| Net operating income to assets | 0.9237% | 2,473 |
| Return on assets (ROA) | 0.9165% | 2,476 |
| Pretax return on assets | 0.9238% | 2,980 |
| Return on Equity (ROE) | 10.2969% | 2,231 |
| Retained earnings to average equity (ytd only) | 10.2969% | 950 |
| Net charge-offs to loans | 0.2089% | 311 |
| Credit loss provision to net charge-offs | 32.2581% | 1,563 |
| Earnings coverage of net charge-offs (x) | 12.5806% | 1,704 |
| Efficiency ratio | 64.6739% | 2,684 |
| Assets per employee ($millions) | 7.6083% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 2,759 |
| Loan loss allowance to noncurrent loans | 25.7642% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.9154% | 155 |
| Noncurrent loans to loans | 4.6039% | 76 |
| Net loans and leases to total assets | 41.1096% | 4,027 |
| Net loans and leases to deposits | 44.0621% | 4,114 |
| Net loans and leases to core deposits | 45.5587% | 4,139 |
| Total domestic deposits to total assets | 93.2992% | 438 |
| Equity capital to assets | 6.6208% | 3,964 |
| Core capital (leverage) ratio | 11.4436% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,619,000 | 4,182 |
| Average earning assets | $74,518,000 | 4,184 |
| Average equity | $7,264,333 | 4,286 |
| Average total loans | $29,676,333 | 4,321 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2746% | 4,473 |
| Cost of funding earning assets | 0.2953% | 1,696 |
| Net interest margin | 1.9794% | 4,529 |
| Noninterest income to average assets | 0.5708% | 1,820 |
| Noninterest expense to average assets | 1.8267% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5857% | 3,439 |
| Return on assets (ROA) | 0.5907% | 3,404 |
| Pretax return on assets | 0.5460% | 3,765 |
| Return on Equity (ROE) | 5.8577% | 3,385 |
| Retained earnings to average equity (ytd only) | 5.8577% | 2,293 |
| Net charge-offs to loans | -0.0148% | 3,755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1488% | 1,389 |
| Assets per employee ($millions) | 6.8005% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 1,556 |
| Loan loss allowance to noncurrent loans | 27.4448% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.9423% | 154 |
| Noncurrent loans to loans | 5.4559% | 57 |
| Net loans and leases to total assets | 35.0660% | 4,261 |
| Net loans and leases to deposits | 38.3670% | 4,311 |
| Net loans and leases to core deposits | 40.7786% | 4,287 |
| Total domestic deposits to total assets | 91.3965% | 852 |
| Equity capital to assets | 8.5361% | 3,127 |
| Core capital (leverage) ratio | 11.4342% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,583,000 | 4,217 |
| Average earning assets | $73,154,500 | 4,225 |
| Average equity | $8,126,000 | 4,256 |
| Average total loans | $27,105,500 | 4,388 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0132% | 3,851 |
| Cost of funding earning assets | 0.3925% | 1,600 |
| Net interest margin | 2.6207% | 4,022 |
| Noninterest income to average assets | 0.2812% | 3,709 |
| Noninterest expense to average assets | 2.2753% | 2,862 |
| Loan and lease loss provision to assets | 0.0573% | 1,910 |
| Net operating income to assets | 0.3054% | 4,416 |
| Return on assets (ROA) | 0.3181% | 4,424 |
| Pretax return on assets | 0.3500% | 4,441 |
| Return on Equity (ROE) | 2.6599% | 4,420 |
| Retained earnings to average equity (ytd only) | 1.8087% | 4,039 |
| Net charge-offs to loans | 0.0168% | 1,954 |
| Credit loss provision to net charge-offs | 900.0000% | 565 |
| Earnings coverage of net charge-offs (x) | 61.8000% | 1,154 |
| Efficiency ratio | 85.2647% | 503 |
| Assets per employee ($millions) | 6.6300% | 2,214 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 984 |
| Loan loss allowance to noncurrent loans | 29.1555% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.8753% | 180 |
| Noncurrent loans to loans | 5.9300% | 51 |
| Net loans and leases to total assets | 31.0772% | 4,481 |
| Net loans and leases to deposits | 35.2108% | 4,498 |
| Net loans and leases to core deposits | 36.9963% | 4,494 |
| Total domestic deposits to total assets | 88.2604% | 1,898 |
| Equity capital to assets | 11.6717% | 1,409 |
| Core capital (leverage) ratio | 11.5185% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,581,800 | 4,238 |
| Average earning assets | $71,584,400 | 4,242 |
| Average equity | $9,398,800 | 4,202 |
| Average total loans | $29,751,400 | 4,378 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6615% | 4,445 |
| Cost of funding earning assets | 0.4125% | 1,607 |
| Net interest margin | 2.2490% | 4,529 |
| Noninterest income to average assets | 0.2298% | 4,028 |
| Noninterest expense to average assets | 1.9011% | 3,941 |
| Loan and lease loss provision to assets | 0.0421% | 2,153 |
| Net operating income to assets | 0.3223% | 4,487 |
| Return on assets (ROA) | 0.3370% | 4,492 |
| Pretax return on assets | 0.3523% | 4,548 |
| Return on Equity (ROE) | 2.8004% | 4,489 |
| Retained earnings to average equity (ytd only) | 2.8004% | 3,968 |
| Net charge-offs to loans | 0.0216% | 1,620 |
| Credit loss provision to net charge-offs | 500.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 44.6000% | 1,294 |
| Efficiency ratio | 83.3582% | 558 |
| Assets per employee ($millions) | 6.6102% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 1,974 |
| Loan loss allowance to noncurrent loans | 26.5385% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.9667% | 192 |
| Noncurrent loans to loans | 5.3213% | 68 |
| Net loans and leases to total assets | 36.4363% | 4,367 |
| Net loans and leases to deposits | 41.4538% | 4,398 |
| Net loans and leases to core deposits | 43.7419% | 4,392 |
| Total domestic deposits to total assets | 87.8962% | 1,905 |
| Equity capital to assets | 11.9841% | 1,412 |
| Core capital (leverage) ratio | 11.6305% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,337,250 | 4,292 |
| Average earning assets | $71,437,000 | 4,296 |
| Average equity | $9,427,000 | 4,265 |
| Average total loans | $30,899,250 | 4,419 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6906% | 4,469 |
| Cost of funding earning assets | 0.4288% | 1,666 |
| Net interest margin | 2.2618% | 4,551 |
| Noninterest income to average assets | 0.2461% | 3,925 |
| Noninterest expense to average assets | 1.9100% | 3,937 |
| Loan and lease loss provision to assets | 0.0385% | 2,226 |
| Net operating income to assets | 0.3520% | 4,464 |
| Return on assets (ROA) | 0.3692% | 4,474 |
| Pretax return on assets | 0.3846% | 4,515 |
| Return on Equity (ROE) | 3.0636% | 4,462 |
| Retained earnings to average equity (ytd only) | 3.0636% | 3,818 |
| Net charge-offs to loans | 0.0318% | 1,334 |
| Credit loss provision to net charge-offs | 300.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 31.6000% | 1,280 |
| Efficiency ratio | 82.5028% | 635 |
| Assets per employee ($millions) | 7.2246% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 2,305 |
| Loan loss allowance to noncurrent loans | 25.7489% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 2.0020% | 213 |
| Noncurrent loans to loans | 5.1569% | 77 |
| Net loans and leases to total assets | 37.7760% | 4,392 |
| Net loans and leases to deposits | 42.9172% | 4,425 |
| Net loans and leases to core deposits | 45.1057% | 4,424 |
| Total domestic deposits to total assets | 88.0208% | 1,809 |
| Equity capital to assets | 11.8710% | 1,429 |
| Core capital (leverage) ratio | 11.4936% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,009,000 | 4,323 |
| Average earning assets | $71,359,667 | 4,325 |
| Average equity | $9,400,667 | 4,277 |
| Average total loans | $31,427,000 | 4,443 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7640% | 4,413 |
| Cost of funding earning assets | 0.4447% | 1,765 |
| Net interest margin | 2.3193% | 4,505 |
| Noninterest income to average assets | 0.2640% | 3,817 |
| Noninterest expense to average assets | 2.0704% | 3,512 |
| Loan and lease loss provision to assets | 0.0259% | 2,442 |
| Net operating income to assets | 0.2908% | 4,531 |
| Return on assets (ROA) | 0.3209% | 4,525 |
| Pretax return on assets | 0.3313% | 4,566 |
| Return on Equity (ROE) | 2.6428% | 4,535 |
| Retained earnings to average equity (ytd only) | 2.6428% | 3,889 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3931% | 498 |
| Assets per employee ($millions) | 6.6163% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 2,703 |
| Loan loss allowance to noncurrent loans | 25.3978% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 2.0064% | 252 |
| Noncurrent loans to loans | 4.8941% | 87 |
| Net loans and leases to total assets | 39.9277% | 4,351 |
| Net loans and leases to deposits | 45.2445% | 4,386 |
| Net loans and leases to core deposits | 47.9744% | 4,373 |
| Total domestic deposits to total assets | 88.2488% | 1,717 |
| Equity capital to assets | 11.6391% | 1,472 |
| Core capital (leverage) ratio | 11.5665% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,278,000 | 4,350 |
| Average earning assets | $71,055,500 | 4,340 |
| Average equity | $9,384,000 | 4,285 |
| Average total loans | $31,928,000 | 4,452 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2976% | 4,336 |
| Cost of funding earning assets | 0.6454% | 2,024 |
| Net interest margin | 2.6522% | 4,436 |
| Noninterest income to average assets | 0.2568% | 3,943 |
| Noninterest expense to average assets | 2.2965% | 3,408 |
| Loan and lease loss provision to assets | 0.2884% | 1,313 |
| Net operating income to assets | 0.1181% | 4,655 |
| Return on assets (ROA) | 0.1140% | 4,695 |
| Pretax return on assets | 0.1003% | 4,704 |
| Return on Equity (ROE) | 0.8842% | 4,686 |
| Retained earnings to average equity (ytd only) | 0.6179% | 4,341 |
| Net charge-offs to loans | 1.5523% | 66 |
| Credit loss provision to net charge-offs | 38.9610% | 3,192 |
| Earnings coverage of net charge-offs (x) | 0.5306% | 3,319 |
| Efficiency ratio | 85.3933% | 552 |
| Assets per employee ($millions) | 6.2633% | 2,111 |
| Cash dividends to net income (ytd only)* | 30.1205% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 2,744 |
| Loan loss allowance to noncurrent loans | 24.6713% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 2.1541% | 248 |
| Noncurrent loans to loans | 5.0290% | 91 |
| Net loans and leases to total assets | 41.7270% | 4,368 |
| Net loans and leases to deposits | 47.8561% | 4,394 |
| Net loans and leases to core deposits | 50.9297% | 4,390 |
| Total domestic deposits to total assets | 87.1927% | 1,844 |
| Equity capital to assets | 12.6756% | 1,244 |
| Core capital (leverage) ratio | 11.8799% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,806,600 | 4,342 |
| Average earning assets | $66,775,800 | 4,341 |
| Average equity | $9,386,800 | 4,264 |
| Average total loans | $34,722,400 | 4,412 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4000% | 4,349 |
| Cost of funding earning assets | 0.6876% | 2,101 |
| Net interest margin | 2.7123% | 4,451 |
| Noninterest income to average assets | 0.2455% | 4,009 |
| Noninterest expense to average assets | 2.1379% | 3,857 |
| Loan and lease loss provision to assets | 0.3697% | 1,002 |
| Net operating income to assets | 0.2345% | 4,540 |
| Return on assets (ROA) | 0.2271% | 4,592 |
| Pretax return on assets | 0.2215% | 4,637 |
| Return on Equity (ROE) | 1.7536% | 4,590 |
| Retained earnings to average equity (ytd only) | 1.7536% | 4,010 |
| Net charge-offs to loans | 2.0264% | 47 |
| Credit loss provision to net charge-offs | 37.1058% | 2,936 |
| Earnings coverage of net charge-offs (x) | 0.6011% | 3,119 |
| Efficiency ratio | 78.1377% | 1,022 |
| Assets per employee ($millions) | 6.1903% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 3,015 |
| Loan loss allowance to noncurrent loans | 24.0000% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 2.3370% | 242 |
| Noncurrent loans to loans | 4.7231% | 122 |
| Net loans and leases to total assets | 45.0870% | 4,367 |
| Net loans and leases to deposits | 51.8396% | 4,413 |
| Net loans and leases to core deposits | 55.5119% | 4,394 |
| Total domestic deposits to total assets | 86.9741% | 1,682 |
| Equity capital to assets | 12.8589% | 1,245 |
| Core capital (leverage) ratio | 12.3033% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,218,250 | 4,361 |
| Average earning assets | $66,313,000 | 4,358 |
| Average equity | $9,351,750 | 4,284 |
| Average total loans | $35,464,000 | 4,427 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6344% | 4,205 |
| Cost of funding earning assets | 0.7287% | 2,245 |
| Net interest margin | 2.9057% | 4,300 |
| Noninterest income to average assets | 0.2936% | 3,711 |
| Noninterest expense to average assets | 2.1278% | 3,973 |
| Loan and lease loss provision to assets | 0.4753% | 785 |
| Net operating income to assets | 0.3859% | 4,261 |
| Return on assets (ROA) | 0.3747% | 4,342 |
| Pretax return on assets | 0.3551% | 4,460 |
| Return on Equity (ROE) | 2.8864% | 4,376 |
| Retained earnings to average equity (ytd only) | 2.8864% | 3,436 |
| Net charge-offs to loans | -0.0278% | 4,511 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6573% | 1,742 |
| Assets per employee ($millions) | 5.6245% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5031% | 217 |
| Loan loss allowance to noncurrent loans | 34.2356% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 3.9716% | 91 |
| Noncurrent loans to loans | 7.3115% | 56 |
| Net loans and leases to total assets | 47.8357% | 4,267 |
| Net loans and leases to deposits | 55.1175% | 4,330 |
| Net loans and leases to core deposits | 59.0010% | 4,305 |
| Total domestic deposits to total assets | 86.7887% | 1,702 |
| Equity capital to assets | 13.0335% | 1,150 |
| Core capital (leverage) ratio | 12.5465% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,530,000 | 4,380 |
| Average earning assets | $65,871,000 | 4,377 |
| Average equity | $9,285,000 | 4,312 |
| Average total loans | $35,993,333 | 4,428 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5350% | 4,602 |
| Cost of funding earning assets | 0.7808% | 2,497 |
| Net interest margin | 2.7542% | 4,617 |
| Noninterest income to average assets | 0.3506% | 3,424 |
| Noninterest expense to average assets | 2.2846% | 3,803 |
| Loan and lease loss provision to assets | 0.5089% | 576 |
| Net operating income to assets | 0.1583% | 4,591 |
| Return on assets (ROA) | 0.1527% | 4,602 |
| Pretax return on assets | 0.0848% | 4,673 |
| Return on Equity (ROE) | 1.1787% | 4,606 |
| Retained earnings to average equity (ytd only) | 1.1787% | 3,699 |
| Net charge-offs to loans | -0.0555% | 4,669 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2157% | 1,217 |
| Assets per employee ($millions) | 5.4668% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1993% | 377 |
| Loan loss allowance to noncurrent loans | 28.6415% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 4.6349% | 77 |
| Noncurrent loans to loans | 7.6789% | 48 |
| Net loans and leases to total assets | 51.1827% | 4,170 |
| Net loans and leases to deposits | 59.0197% | 4,247 |
| Net loans and leases to core deposits | 62.8032% | 4,244 |
| Total domestic deposits to total assets | 86.7214% | 1,680 |
| Equity capital to assets | 13.0605% | 1,401 |
| Core capital (leverage) ratio | 12.7812% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,735,500 | 4,402 |
| Average earning assets | $65,064,000 | 4,396 |
| Average equity | $9,162,500 | 4,346 |
| Average total loans | $36,052,500 | 4,451 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 4,489 |
| Cost of funding earning assets | 0.7778% | 2,781 |
| Net interest margin | 3.0849% | 4,391 |
| Noninterest income to average assets | 0.3186% | 3,788 |
| Noninterest expense to average assets | 2.1923% | 4,174 |
| Loan and lease loss provision to assets | 0.6547% | 173 |
| Net operating income to assets | 0.2862% | 4,764 |
| Return on assets (ROA) | 0.2862% | 4,790 |
| Pretax return on assets | 0.3091% | 4,812 |
| Return on Equity (ROE) | 2.3395% | 4,763 |
| Retained earnings to average equity (ytd only) | 0.8497% | 4,434 |
| Net charge-offs to loans | 1.8626% | 64 |
| Credit loss provision to net charge-offs | 66.9890% | 2,948 |
| Earnings coverage of net charge-offs (x) | 0.9862% | 3,576 |
| Efficiency ratio | 69.4611% | 2,253 |
| Assets per employee ($millions) | 5.4155% | 2,141 |
| Cash dividends to net income (ytd only)* | 63.6792% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0709% | 409 |
| Loan loss allowance to noncurrent loans | 22.9378% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 5.1007% | 53 |
| Noncurrent loans to loans | 9.0284% | 31 |
| Net loans and leases to total assets | 48.5625% | 4,399 |
| Net loans and leases to deposits | 55.8662% | 4,462 |
| Net loans and leases to core deposits | 59.4581% | 4,465 |
| Total domestic deposits to total assets | 86.9265% | 1,645 |
| Equity capital to assets | 12.8448% | 1,615 |
| Core capital (leverage) ratio | 12.4350% | 1,524 |
| Tier 1 risk-based capital ratio | 22.3886% | 978 |
| Total risk-based capital ratio | 23.6463% | 955 |
| Memoranda: | ||
| Average total assets | $74,078,000 | 4,364 |
| Average earning assets | $68,137,800 | 4,371 |
| Average equity | $9,061,600 | 4,369 |
| Average total loans | $38,871,000 | 4,428 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9555% | 4,448 |
| Cost of funding earning assets | 0.7698% | 2,868 |
| Net interest margin | 3.1857% | 4,332 |
| Noninterest income to average assets | 0.3307% | 3,764 |
| Noninterest expense to average assets | 2.0214% | 4,510 |
| Loan and lease loss provision to assets | 0.6845% | 155 |
| Net operating income to assets | 0.5333% | 4,443 |
| Return on assets (ROA) | 0.5333% | 4,499 |
| Pretax return on assets | 0.5529% | 4,619 |
| Return on Equity (ROE) | 4.4119% | 4,502 |
| Retained earnings to average equity (ytd only) | 3.0883% | 3,855 |
| Net charge-offs to loans | 2.2310% | 50 |
| Credit loss provision to net charge-offs | 57.7211% | 2,727 |
| Earnings coverage of net charge-offs (x) | 1.0435% | 3,328 |
| Efficiency ratio | 62.0295% | 3,320 |
| Assets per employee ($millions) | 5.5341% | 1,999 |
| Cash dividends to net income (ytd only)* | 30.0008% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9765% | 488 |
| Loan loss allowance to noncurrent loans | 20.2739% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 5.8129% | 52 |
| Noncurrent loans to loans | 9.7489% | 29 |
| Net loans and leases to total assets | 46.9455% | 4,555 |
| Net loans and leases to deposits | 54.1285% | 4,621 |
| Net loans and leases to core deposits | 58.3810% | 4,590 |
| Total domestic deposits to total assets | 86.7298% | 1,664 |
| Equity capital to assets | 12.8254% | 1,718 |
| Core capital (leverage) ratio | 12.3040% | 1,679 |
| Tier 1 risk-based capital ratio | 22.7357% | 980 |
| Total risk-based capital ratio | 23.9921% | 955 |
| Memoranda: | ||
| Average total assets | $74,997,000 | 4,416 |
| Average earning assets | $68,931,000 | 4,416 |
| Average equity | $9,066,250 | 4,412 |
| Average total loans | $39,860,750 | 4,465 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 4,294 |
| Cost of funding earning assets | 0.7428% | 2,933 |
| Net interest margin | 3.2996% | 4,148 |
| Noninterest income to average assets | 0.5630% | 2,323 |
| Noninterest expense to average assets | 2.0049% | 4,595 |
| Loan and lease loss provision to assets | 0.7893% | 130 |
| Net operating income to assets | 0.7814% | 3,718 |
| Return on assets (ROA) | 0.7814% | 3,783 |
| Pretax return on assets | 0.8077% | 4,068 |
| Return on Equity (ROE) | 6.5907% | 3,845 |
| Retained earnings to average equity (ytd only) | 4.5935% | 2,979 |
| Net charge-offs to loans | 3.2547% | 31 |
| Credit loss provision to net charge-offs | 44.2478% | 2,514 |
| Earnings coverage of net charge-offs (x) | 0.8953% | 3,069 |
| Efficiency ratio | 55.6611% | 4,288 |
| Assets per employee ($millions) | 4.7091% | 2,865 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 1,044 |
| Loan loss allowance to noncurrent loans | 15.8653% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 6.0733% | 52 |
| Noncurrent loans to loans | 10.0267% | 29 |
| Net loans and leases to total assets | 47.9495% | 4,574 |
| Net loans and leases to deposits | 54.8841% | 4,640 |
| Net loans and leases to core deposits | 58.7075% | 4,618 |
| Total domestic deposits to total assets | 87.3650% | 1,401 |
| Equity capital to assets | 12.2064% | 2,050 |
| Core capital (leverage) ratio | 12.2744% | 1,660 |
| Tier 1 risk-based capital ratio | 21.4150% | 1,130 |
| Total risk-based capital ratio | 22.6647% | 1,107 |
| Memoranda: | ||
| Average total assets | $76,015,000 | 4,435 |
| Average earning assets | $70,008,000 | 4,441 |
| Average equity | $9,012,670 | 4,432 |
| Average total loans | $41,662,670 | 4,456 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3949% | 3,246 |
| Cost of funding earning assets | 0.7505% | 2,789 |
| Net interest margin | 3.6444% | 3,092 |
| Noninterest income to average assets | 0.7649% | 1,380 |
| Noninterest expense to average assets | 2.2318% | 4,181 |
| Loan and lease loss provision to assets | 0.7859% | 127 |
| Net operating income to assets | 1.0740% | 2,567 |
| Return on assets (ROA) | 1.0740% | 2,614 |
| Pretax return on assets | 1.1054% | 3,132 |
| Return on Equity (ROE) | 9.1923% | 2,711 |
| Retained earnings to average equity (ytd only) | 8.2955% | 1,550 |
| Net charge-offs to loans | -0.0453% | 4,806 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1296% | 4,521 |
| Assets per employee ($millions) | 5.5182% | 1,967 |
| Cash dividends to net income (ytd only)* | 9.7561% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7657% | 173 |
| Loan loss allowance to noncurrent loans | 66.3302% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 3.3383% | 163 |
| Noncurrent loans to loans | 4.1697% | 170 |
| Net loans and leases to total assets | 50.8317% | 4,420 |
| Net loans and leases to deposits | 57.8674% | 4,514 |
| Net loans and leases to core deposits | 61.7472% | 4,498 |
| Total domestic deposits to total assets | 87.8416% | 1,425 |
| Equity capital to assets | 11.7494% | 2,188 |
| Core capital (leverage) ratio | 11.8845% | 1,843 |
| Tier 1 risk-based capital ratio | 20.5125% | 1,244 |
| Total risk-based capital ratio | 21.7780% | 1,222 |
| Memoranda: | ||
| Average total assets | $76,349,500 | 4,481 |
| Average earning assets | $70,355,000 | 4,483 |
| Average equity | $8,920,500 | 4,472 |
| Average total loans | $44,138,000 | 4,431 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 2,913 |
| Cost of funding earning assets | 0.6324% | 2,507 |
| Net interest margin | 3.7225% | 2,954 |
| Noninterest income to average assets | 0.3471% | 3,788 |
| Noninterest expense to average assets | 2.3977% | 3,885 |
| Loan and lease loss provision to assets | 0.8409% | 116 |
| Net operating income to assets | 0.5247% | 4,606 |
| Return on assets (ROA) | 0.5247% | 4,601 |
| Pretax return on assets | 0.5301% | 4,757 |
| Return on Equity (ROE) | 4.4998% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.4998% | 3,054 |
| Net charge-offs to loans | 1.0312% | 142 |
| Credit loss provision to net charge-offs | 123.5178% | 2,116 |
| Earnings coverage of net charge-offs (x) | 2.0138% | 3,564 |
| Efficiency ratio | 63.6201% | 3,246 |
| Assets per employee ($millions) | 5.3889% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0088% | 464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2035% | 1,085 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 62.2011% | 3,541 |
| Net loans and leases to deposits | 70.7083% | 3,769 |
| Net loans and leases to core deposits | 76.8325% | 3,652 |
| Total domestic deposits to total assets | 87.9686% | 1,310 |
| Equity capital to assets | 11.6166% | 2,164 |
| Core capital (leverage) ratio | 11.7244% | 1,931 |
| Tier 1 risk-based capital ratio | 17.2926% | 1,955 |
| Total risk-based capital ratio | 18.5510% | 1,913 |
| Memoranda: | ||
| Average total assets | $74,321,200 | 4,522 |
| Average earning assets | $68,313,800 | 4,522 |
| Average equity | $8,667,000 | 4,500 |
| Average total loans | $49,070,600 | 4,334 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 2,987 |
| Cost of funding earning assets | 0.6053% | 2,432 |
| Net interest margin | 3.6886% | 3,063 |
| Noninterest income to average assets | 0.3926% | 3,528 |
| Noninterest expense to average assets | 2.1843% | 4,354 |
| Loan and lease loss provision to assets | 0.5852% | 177 |
| Net operating income to assets | 0.9958% | 3,102 |
| Return on assets (ROA) | 0.9958% | 3,114 |
| Pretax return on assets | 1.0138% | 3,678 |
| Return on Equity (ROE) | 8.5310% | 3,318 |
| Retained earnings to average equity (ytd only) | 8.5310% | 1,404 |
| Net charge-offs to loans | 1.3666% | 93 |
| Credit loss provision to net charge-offs | 64.2292% | 2,692 |
| Earnings coverage of net charge-offs (x) | 1.7549% | 3,319 |
| Efficiency ratio | 57.7344% | 4,163 |
| Assets per employee ($millions) | 5.4056% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 1,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2408% | 1,121 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 62.7686% | 3,570 |
| Net loans and leases to deposits | 71.4466% | 3,811 |
| Net loans and leases to core deposits | 78.2299% | 3,637 |
| Total domestic deposits to total assets | 87.8538% | 1,306 |
| Equity capital to assets | 11.7062% | 2,098 |
| Core capital (leverage) ratio | 12.1702% | 1,681 |
| Tier 1 risk-based capital ratio | 17.4431% | 1,954 |
| Total risk-based capital ratio | 18.6915% | 1,905 |
| Memoranda: | ||
| Average total assets | $74,040,500 | 4,575 |
| Average earning assets | $68,063,750 | 4,571 |
| Average equity | $8,642,750 | 4,550 |
| Average total loans | $49,366,000 | 4,374 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2734% | 2,857 |
| Cost of funding earning assets | 0.5690% | 2,439 |
| Net interest margin | 3.7044% | 2,907 |
| Noninterest income to average assets | 0.4817% | 2,964 |
| Noninterest expense to average assets | 2.1308% | 4,540 |
| Loan and lease loss provision to assets | 0.8164% | 110 |
| Net operating income to assets | 0.9334% | 3,310 |
| Return on assets (ROA) | 0.9334% | 3,313 |
| Pretax return on assets | 0.9361% | 3,855 |
| Return on Equity (ROE) | 8.0040% | 3,506 |
| Retained earnings to average equity (ytd only) | 8.0040% | 1,633 |
| Net charge-offs to loans | 2.0335% | 48 |
| Credit loss provision to net charge-offs | 59.2885% | 2,433 |
| Earnings coverage of net charge-offs (x) | 1.2727% | 3,078 |
| Efficiency ratio | 54.8704% | 4,597 |
| Assets per employee ($millions) | 4.9563% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 2,086 |
| Loan loss allowance to noncurrent loans | 84.8202% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.8522% | 609 |
| Noncurrent loans to loans | 1.5524% | 1,063 |
| Net loans and leases to total assets | 64.2163% | 3,374 |
| Net loans and leases to deposits | 73.0745% | 3,619 |
| Net loans and leases to core deposits | 79.3567% | 3,469 |
| Total domestic deposits to total assets | 87.8780% | 1,443 |
| Equity capital to assets | 11.7198% | 2,044 |
| Core capital (leverage) ratio | 12.0241% | 1,702 |
| Tier 1 risk-based capital ratio | 17.0905% | 2,070 |
| Total risk-based capital ratio | 18.3215% | 2,022 |
| Memoranda: | ||
| Average total assets | $73,494,670 | 4,628 |
| Average earning assets | $67,487,000 | 4,631 |
| Average equity | $8,570,670 | 4,598 |
| Average total loans | $49,766,670 | 4,407 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 2,891 |
| Cost of funding earning assets | 0.5442% | 2,451 |
| Net interest margin | 3.6536% | 2,974 |
| Noninterest income to average assets | 0.6569% | 2,008 |
| Noninterest expense to average assets | 2.3211% | 4,142 |
| Loan and lease loss provision to assets | 1.3686% | 61 |
| Net operating income to assets | 0.3777% | 4,970 |
| Return on assets (ROA) | 0.3777% | 4,974 |
| Pretax return on assets | 0.3120% | 5,155 |
| Return on Equity (ROE) | 3.2472% | 4,965 |
| Retained earnings to average equity (ytd only) | 3.2472% | 3,908 |
| Net charge-offs to loans | 2.0610% | 59 |
| Credit loss provision to net charge-offs | 96.1538% | 1,626 |
| Earnings coverage of net charge-offs (x) | 1.1808% | 2,584 |
| Efficiency ratio | 58.0027% | 4,337 |
| Assets per employee ($millions) | 5.2616% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 964 |
| Loan loss allowance to noncurrent loans | 136.1111% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 1.6806% | 770 |
| Noncurrent loans to loans | 1.2421% | 1,467 |
| Net loans and leases to total assets | 65.7562% | 3,071 |
| Net loans and leases to deposits | 74.6406% | 3,349 |
| Net loans and leases to core deposits | 81.0691% | 3,234 |
| Total domestic deposits to total assets | 88.0971% | 1,563 |
| Equity capital to assets | 11.5010% | 2,133 |
| Core capital (leverage) ratio | 11.7744% | 1,795 |
| Tier 1 risk-based capital ratio | 16.5722% | 2,250 |
| Total risk-based capital ratio | 17.8272% | 2,196 |
| Memoranda: | ||
| Average total assets | $73,070,000 | 4,689 |
| Average earning assets | $66,893,000 | 4,696 |
| Average equity | $8,499,500 | 4,663 |
| Average total loans | $50,461,000 | 4,433 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1555% | 2,858 |
| Cost of funding earning assets | 0.4600% | 2,685 |
| Net interest margin | 3.6954% | 2,814 |
| Noninterest income to average assets | 0.2884% | 4,400 |
| Noninterest expense to average assets | 2.4025% | 4,073 |
| Loan and lease loss provision to assets | 0.8750% | 126 |
| Net operating income to assets | 0.3823% | 4,750 |
| Return on assets (ROA) | 0.3836% | 4,760 |
| Pretax return on assets | 0.4200% | 5,061 |
| Return on Equity (ROE) | 3.1557% | 4,789 |
| Retained earnings to average equity (ytd only) | 0.6219% | 4,794 |
| Net charge-offs to loans | 1.1820% | 136 |
| Credit loss provision to net charge-offs | 104.8658% | 2,453 |
| Earnings coverage of net charge-offs (x) | 1.5503% | 3,871 |
| Efficiency ratio | 65.0000% | 3,446 |
| Assets per employee ($millions) | 5.1769% | 2,278 |
| Cash dividends to net income (ytd only)* | 80.2920% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 1,069 |
| Loan loss allowance to noncurrent loans | 212.8788% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 1.3494% | 1,063 |
| Noncurrent loans to loans | 0.7667% | 2,293 |
| Net loans and leases to total assets | 70.1022% | 2,506 |
| Net loans and leases to deposits | 79.7514% | 2,942 |
| Net loans and leases to core deposits | 86.2893% | 2,890 |
| Total domestic deposits to total assets | 87.9010% | 1,549 |
| Equity capital to assets | 11.7651% | 1,993 |
| Core capital (leverage) ratio | 11.5257% | 1,926 |
| Tier 1 risk-based capital ratio | 15.7733% | 2,523 |
| Total risk-based capital ratio | 17.0257% | 2,464 |
| Memoranda: | ||
| Average total assets | $71,425,400 | 4,754 |
| Average earning assets | $65,865,000 | 4,745 |
| Average equity | $8,682,600 | 4,667 |
| Average total loans | $50,425,000 | 4,444 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 2,967 |
| Cost of funding earning assets | 0.4359% | 2,848 |
| Net interest margin | 3.6718% | 2,856 |
| Noninterest income to average assets | 0.2398% | 4,768 |
| Noninterest expense to average assets | 2.2614% | 4,391 |
| Loan and lease loss provision to assets | 0.7026% | 160 |
| Net operating income to assets | 0.6222% | 4,308 |
| Return on assets (ROA) | 0.6239% | 4,349 |
| Pretax return on assets | 0.6707% | 4,677 |
| Return on Equity (ROE) | 5.0908% | 4,497 |
| Retained earnings to average equity (ytd only) | 1.7275% | 4,730 |
| Net charge-offs to loans | 0.7715% | 240 |
| Credit loss provision to net charge-offs | 129.3103% | 1,897 |
| Earnings coverage of net charge-offs (x) | 2.5241% | 3,453 |
| Efficiency ratio | 62.2486% | 3,842 |
| Assets per employee ($millions) | 5.1200% | 2,308 |
| Cash dividends to net income (ytd only)* | 66.0668% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7885% | 872 |
| Loan loss allowance to noncurrent loans | 124.5152% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.8192% | 756 |
| Noncurrent loans to loans | 1.4364% | 1,302 |
| Net loans and leases to total assets | 68.8700% | 2,716 |
| Net loans and leases to deposits | 78.7324% | 3,095 |
| Net loans and leases to core deposits | 84.5641% | 3,084 |
| Total domestic deposits to total assets | 87.4735% | 1,636 |
| Equity capital to assets | 12.1610% | 1,858 |
| Core capital (leverage) ratio | 11.9380% | 1,730 |
| Tier 1 risk-based capital ratio | 16.3169% | 2,370 |
| Total risk-based capital ratio | 17.5731% | 2,324 |
| Memoranda: | ||
| Average total assets | $71,162,500 | 4,809 |
| Average earning assets | $65,760,750 | 4,798 |
| Average equity | $8,721,500 | 4,710 |
| Average total loans | $50,118,500 | 4,498 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0531% | 3,002 |
| Cost of funding earning assets | 0.4138% | 2,945 |
| Net interest margin | 3.6392% | 2,880 |
| Noninterest income to average assets | 0.2930% | 4,455 |
| Noninterest expense to average assets | 2.2257% | 4,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3664% | 1,138 |
| Return on assets (ROA) | 1.3664% | 1,165 |
| Pretax return on assets | 1.4368% | 1,871 |
| Return on Equity (ROE) | 11.1200% | 1,598 |
| Retained earnings to average equity (ytd only) | 7.4516% | 1,372 |
| Net charge-offs to loans | -0.0080% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7692% | 4,200 |
| Assets per employee ($millions) | 4.4758% | 3,147 |
| Cash dividends to net income (ytd only)* | 32.9897% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 1,228 |
| Loan loss allowance to noncurrent loans | 8,160.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.8546% | 2,072 |
| Noncurrent loans to loans | 0.0198% | 5,087 |
| Net loans and leases to total assets | 69.4092% | 2,605 |
| Net loans and leases to deposits | 80.9452% | 2,812 |
| Net loans and leases to core deposits | 87.0752% | 2,790 |
| Total domestic deposits to total assets | 85.7484% | 2,501 |
| Equity capital to assets | 12.5047% | 1,620 |
| Core capital (leverage) ratio | 12.3563% | 1,438 |
| Tier 1 risk-based capital ratio | 16.7548% | 2,216 |
| Total risk-based capital ratio | 18.0077% | 2,180 |
| Memoranda: | ||
| Average total assets | $70,990,000 | 4,846 |
| Average earning assets | $65,728,000 | 4,835 |
| Average equity | $8,723,000 | 4,732 |
| Average total loans | $50,069,670 | 4,527 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9457% | 3,221 |
| Cost of funding earning assets | 0.3848% | 3,147 |
| Net interest margin | 3.5609% | 3,040 |
| Noninterest income to average assets | 0.2943% | 4,449 |
| Noninterest expense to average assets | 2.4449% | 3,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0923% | 1,903 |
| Return on assets (ROA) | 1.0923% | 1,946 |
| Pretax return on assets | 1.1489% | 2,780 |
| Return on Equity (ROE) | 8.9694% | 2,435 |
| Retained earnings to average equity (ytd only) | 8.9694% | 1,093 |
| Net charge-offs to loans | -0.0080% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0315% | 3,191 |
| Assets per employee ($millions) | 4.4494% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6397% | 1,278 |
| Loan loss allowance to noncurrent loans | 180.7095% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 1.2530% | 1,373 |
| Noncurrent loans to loans | 0.9074% | 2,220 |
| Net loans and leases to total assets | 68.6726% | 2,571 |
| Net loans and leases to deposits | 80.0039% | 2,757 |
| Net loans and leases to core deposits | 85.7368% | 2,742 |
| Total domestic deposits to total assets | 85.8365% | 2,748 |
| Equity capital to assets | 12.2644% | 1,677 |
| Core capital (leverage) ratio | 12.3432% | 1,423 |
| Tier 1 risk-based capital ratio | 16.7598% | 2,260 |
| Total risk-based capital ratio | 18.0147% | 2,228 |
| Memoranda: | ||
| Average total assets | $70,678,500 | 4,901 |
| Average earning assets | $65,488,500 | 4,889 |
| Average equity | $8,607,000 | 4,792 |
| Average total loans | $49,843,500 | 4,566 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8350% | 3,790 |
| Cost of funding earning assets | 0.3711% | 3,303 |
| Net interest margin | 3.4639% | 3,567 |
| Noninterest income to average assets | 0.2980% | 4,607 |
| Noninterest expense to average assets | 2.3283% | 4,494 |
| Loan and lease loss provision to assets | 0.1386% | 1,798 |
| Net operating income to assets | 1.0024% | 2,346 |
| Return on assets (ROA) | 1.0103% | 2,405 |
| Pretax return on assets | 1.0602% | 3,262 |
| Return on Equity (ROE) | 8.6580% | 2,586 |
| Retained earnings to average equity (ytd only) | 7.1853% | 1,156 |
| Net charge-offs to loans | 0.2631% | 1,052 |
| Credit loss provision to net charge-offs | 79.3651% | 2,982 |
| Earnings coverage of net charge-offs (x) | 6.8175% | 3,120 |
| Efficiency ratio | 66.1678% | 3,568 |
| Assets per employee ($millions) | 4.6778% | 2,831 |
| Cash dividends to net income (ytd only)* | 17.0096% | 3,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 1,306 |
| Loan loss allowance to noncurrent loans | 161.8290% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 2,580 |
| Noncurrent loans to loans | 1.0063% | 2,079 |
| Net loans and leases to total assets | 70.0757% | 2,455 |
| Net loans and leases to deposits | 81.1453% | 2,771 |
| Net loans and leases to core deposits | 87.0019% | 2,767 |
| Total domestic deposits to total assets | 86.3583% | 2,428 |
| Equity capital to assets | 12.0897% | 1,747 |
| Core capital (leverage) ratio | 11.8201% | 1,708 |
| Tier 1 risk-based capital ratio | 16.3082% | 2,426 |
| Total risk-based capital ratio | 17.5612% | 2,361 |
| Memoranda: | ||
| Average total assets | $72,155,800 | 4,885 |
| Average earning assets | $67,092,600 | 4,862 |
| Average equity | $8,420,000 | 4,861 |
| Average total loans | $47,894,600 | 4,636 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7970% | 3,930 |
| Cost of funding earning assets | 0.3689% | 3,342 |
| Net interest margin | 3.4281% | 3,744 |
| Noninterest income to average assets | 0.2643% | 4,882 |
| Noninterest expense to average assets | 2.1747% | 4,831 |
| Loan and lease loss provision to assets | 0.1376% | 1,705 |
| Net operating income to assets | 1.0870% | 2,056 |
| Return on assets (ROA) | 1.0974% | 2,113 |
| Pretax return on assets | 1.1525% | 3,037 |
| Return on Equity (ROE) | 9.4870% | 2,279 |
| Retained earnings to average equity (ytd only) | 9.1062% | 791 |
| Net charge-offs to loans | 0.3574% | 631 |
| Credit loss provision to net charge-offs | 59.0551% | 2,919 |
| Earnings coverage of net charge-offs (x) | 5.4882% | 3,122 |
| Efficiency ratio | 62.9649% | 4,080 |
| Assets per employee ($millions) | 4.7095% | 2,732 |
| Cash dividends to net income (ytd only)* | 4.0135% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6160% | 1,423 |
| Loan loss allowance to noncurrent loans | 156.6600% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.7120% | 2,777 |
| Noncurrent loans to loans | 1.0315% | 2,180 |
| Net loans and leases to total assets | 67.9119% | 2,813 |
| Net loans and leases to deposits | 81.0402% | 2,847 |
| Net loans and leases to core deposits | 85.4926% | 2,994 |
| Total domestic deposits to total assets | 83.8002% | 3,272 |
| Equity capital to assets | 12.4811% | 1,791 |
| Core capital (leverage) ratio | 11.6615% | 1,917 |
| Tier 1 risk-based capital ratio | 16.4173% | 2,451 |
| Total risk-based capital ratio | 17.6716% | 2,400 |
| Memoranda: | ||
| Average total assets | $72,653,000 | 4,914 |
| Average earning assets | $67,595,750 | 4,893 |
| Average equity | $8,404,250 | 4,909 |
| Average total loans | $47,372,250 | 4,689 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 4,134 |
| Cost of funding earning assets | 0.3633% | 3,420 |
| Net interest margin | 3.3842% | 3,949 |
| Noninterest income to average assets | 0.2809% | 4,780 |
| Noninterest expense to average assets | 2.0812% | 5,102 |
| Loan and lease loss provision to assets | 0.2046% | 1,047 |
| Net operating income to assets | 1.0919% | 1,986 |
| Return on assets (ROA) | 1.1074% | 2,056 |
| Pretax return on assets | 1.1620% | 2,936 |
| Return on Equity (ROE) | 9.8226% | 2,129 |
| Retained earnings to average equity (ytd only) | 9.2419% | 785 |
| Net charge-offs to loans | 0.3368% | 703 |
| Credit loss provision to net charge-offs | 94.9367% | 2,185 |
| Earnings coverage of net charge-offs (x) | 6.2658% | 2,766 |
| Efficiency ratio | 60.6518% | 4,558 |
| Assets per employee ($millions) | 4.8935% | 2,421 |
| Cash dividends to net income (ytd only)* | 5.9113% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7400% | 1,192 |
| Loan loss allowance to noncurrent loans | 150.3597% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.7575% | 2,710 |
| Noncurrent loans to loans | 1.1572% | 1,982 |
| Net loans and leases to total assets | 64.3175% | 3,318 |
| Net loans and leases to deposits | 74.2020% | 3,570 |
| Net loans and leases to core deposits | 81.7294% | 3,295 |
| Total domestic deposits to total assets | 86.6790% | 2,070 |
| Equity capital to assets | 11.7802% | 2,284 |
| Core capital (leverage) ratio | 11.2431% | 2,201 |
| Tier 1 risk-based capital ratio | 16.2993% | 2,503 |
| Total risk-based capital ratio | 17.5539% | 2,447 |
| Memoranda: | ||
| Average total assets | $73,323,000 | 4,948 |
| Average earning assets | $68,258,330 | 4,929 |
| Average equity | $8,266,670 | 4,979 |
| Average total loans | $46,908,670 | 4,740 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 4,141 |
| Cost of funding earning assets | 0.3521% | 3,581 |
| Net interest margin | 3.3974% | 3,878 |
| Noninterest income to average assets | 0.2784% | 4,725 |
| Noninterest expense to average assets | 2.2488% | 4,785 |
| Loan and lease loss provision to assets | 0.1365% | 1,534 |
| Net operating income to assets | 1.0043% | 2,257 |
| Return on assets (ROA) | 1.0043% | 2,374 |
| Pretax return on assets | 1.0535% | 3,264 |
| Return on Equity (ROE) | 9.1129% | 2,367 |
| Retained earnings to average equity (ytd only) | 8.5185% | 1,257 |
| Net charge-offs to loans | 0.6388% | 343 |
| Credit loss provision to net charge-offs | 33.7838% | 2,190 |
| Earnings coverage of net charge-offs (x) | 2.9459% | 2,611 |
| Efficiency ratio | 65.3968% | 3,897 |
| Assets per employee ($millions) | 5.2538% | 2,077 |
| Cash dividends to net income (ytd only)* | 6.5217% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 1,303 |
| Loan loss allowance to noncurrent loans | 142.2662% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7559% | 2,811 |
| Noncurrent loans to loans | 1.2126% | 2,000 |
| Net loans and leases to total assets | 61.2619% | 3,624 |
| Net loans and leases to deposits | 70.2088% | 3,840 |
| Net loans and leases to core deposits | 77.0573% | 3,586 |
| Total domestic deposits to total assets | 87.2568% | 2,072 |
| Equity capital to assets | 11.2504% | 2,676 |
| Core capital (leverage) ratio | 10.9910% | 2,412 |
| Tier 1 risk-based capital ratio | 16.3478% | 2,542 |
| Total risk-based capital ratio | 17.6022% | 2,494 |
| Memoranda: | ||
| Average total assets | $73,283,000 | 4,992 |
| Average earning assets | $68,169,500 | 4,977 |
| Average equity | $8,076,500 | 5,046 |
| Average total loans | $46,339,500 | 4,792 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6806% | 4,425 |
| Cost of funding earning assets | 0.3436% | 3,756 |
| Net interest margin | 3.3370% | 4,161 |
| Noninterest income to average assets | 0.3088% | 4,679 |
| Noninterest expense to average assets | 2.3743% | 4,575 |
| Loan and lease loss provision to assets | 0.2833% | 636 |
| Net operating income to assets | 0.7115% | 3,758 |
| Return on assets (ROA) | 0.7182% | 3,830 |
| Pretax return on assets | 0.7536% | 4,352 |
| Return on Equity (ROE) | 6.5463% | 3,756 |
| Retained earnings to average equity (ytd only) | 4.3771% | 2,862 |
| Net charge-offs to loans | 0.9152% | 226 |
| Credit loss provision to net charge-offs | 50.6329% | 3,393 |
| Earnings coverage of net charge-offs (x) | 1.8405% | 4,022 |
| Efficiency ratio | 69.7462% | 3,261 |
| Assets per employee ($millions) | 4.8675% | 2,507 |
| Cash dividends to net income (ytd only)* | 33.1361% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7938% | 1,143 |
| Loan loss allowance to noncurrent loans | 101.9417% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.1286% | 1,942 |
| Noncurrent loans to loans | 1.7596% | 1,269 |
| Net loans and leases to total assets | 62.9860% | 3,416 |
| Net loans and leases to deposits | 71.7800% | 3,742 |
| Net loans and leases to core deposits | 78.7870% | 3,467 |
| Total domestic deposits to total assets | 87.7488% | 1,771 |
| Equity capital to assets | 10.7899% | 3,041 |
| Core capital (leverage) ratio | 10.6045% | 2,819 |
| Tier 1 risk-based capital ratio | 15.5287% | 2,914 |
| Total risk-based capital ratio | 16.7842% | 2,851 |
| Memoranda: | ||
| Average total assets | $70,590,400 | 5,083 |
| Average earning assets | $65,478,200 | 5,051 |
| Average equity | $7,744,800 | 5,098 |
| Average total loans | $43,161,200 | 4,888 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6816% | 4,470 |
| Cost of funding earning assets | 0.3390% | 3,871 |
| Net interest margin | 3.3426% | 4,170 |
| Noninterest income to average assets | 0.2877% | 4,884 |
| Noninterest expense to average assets | 2.2157% | 5,012 |
| Loan and lease loss provision to assets | 0.2858% | 544 |
| Net operating income to assets | 0.8444% | 3,195 |
| Return on assets (ROA) | 0.8516% | 3,252 |
| Pretax return on assets | 0.8935% | 4,002 |
| Return on Equity (ROE) | 7.7286% | 3,220 |
| Retained earnings to average equity (ytd only) | 5.5500% | 2,550 |
| Net charge-offs to loans | 0.4797% | 511 |
| Credit loss provision to net charge-offs | 98.6842% | 2,323 |
| Earnings coverage of net charge-offs (x) | 4.0461% | 3,408 |
| Efficiency ratio | 65.4106% | 3,987 |
| Assets per employee ($millions) | 4.7363% | 2,644 |
| Cash dividends to net income (ytd only)* | 28.1884% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3206% | 559 |
| Loan loss allowance to noncurrent loans | 157.2298% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 2,546 |
| Noncurrent loans to loans | 1.4759% | 1,696 |
| Net loans and leases to total assets | 61.2029% | 3,705 |
| Net loans and leases to deposits | 70.0933% | 3,975 |
| Net loans and leases to core deposits | 77.1953% | 3,680 |
| Total domestic deposits to total assets | 87.3163% | 1,886 |
| Equity capital to assets | 11.1621% | 2,833 |
| Core capital (leverage) ratio | 11.0193% | 2,469 |
| Tier 1 risk-based capital ratio | 16.3320% | 2,657 |
| Total risk-based capital ratio | 17.5928% | 2,599 |
| Memoranda: | ||
| Average total assets | $69,984,750 | 5,159 |
| Average earning assets | $64,897,750 | 5,123 |
| Average equity | $7,711,500 | 5,171 |
| Average total loans | $42,244,500 | 4,983 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 4,532 |
| Cost of funding earning assets | 0.3347% | 3,985 |
| Net interest margin | 3.3286% | 4,181 |
| Noninterest income to average assets | 0.2987% | 4,820 |
| Noninterest expense to average assets | 2.1513% | 5,222 |
| Loan and lease loss provision to assets | 0.1436% | 1,510 |
| Net operating income to assets | 1.0375% | 2,187 |
| Return on assets (ROA) | 1.0484% | 2,256 |
| Pretax return on assets | 1.1001% | 3,175 |
| Return on Equity (ROE) | 9.5566% | 2,276 |
| Retained earnings to average equity (ytd only) | 7.3573% | 1,541 |
| Net charge-offs to loans | -0.0386% | 5,435 |
| Credit loss provision to net charge-offs | -625.0000% | 5,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5823% | 4,413 |
| Assets per employee ($millions) | 4.7065% | 2,669 |
| Cash dividends to net income (ytd only)* | 23.0137% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4527% | 509 |
| Loan loss allowance to noncurrent loans | 114.8109% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.3485% | 1,859 |
| Noncurrent loans to loans | 2.1363% | 1,122 |
| Net loans and leases to total assets | 61.5763% | 3,614 |
| Net loans and leases to deposits | 73.3601% | 3,571 |
| Net loans and leases to core deposits | 77.5506% | 3,623 |
| Total domestic deposits to total assets | 83.9370% | 3,598 |
| Equity capital to assets | 10.8220% | 3,086 |
| Core capital (leverage) ratio | 11.0035% | 2,416 |
| Tier 1 risk-based capital ratio | 16.0710% | 2,818 |
| Total risk-based capital ratio | 17.3325% | 2,773 |
| Memoranda: | ||
| Average total assets | $69,631,670 | 5,226 |
| Average earning assets | $64,532,330 | 5,189 |
| Average equity | $7,638,670 | 5,235 |
| Average total loans | $41,488,000 | 5,049 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6286% | 4,601 |
| Cost of funding earning assets | 0.3310% | 4,080 |
| Net interest margin | 3.2976% | 4,230 |
| Noninterest income to average assets | 0.2892% | 4,859 |
| Noninterest expense to average assets | 2.3370% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9612% | 2,442 |
| Return on assets (ROA) | 0.9834% | 2,461 |
| Pretax return on assets | 1.0297% | 3,381 |
| Return on Equity (ROE) | 8.9029% | 2,494 |
| Retained earnings to average equity (ytd only) | 8.2744% | 1,466 |
| Net charge-offs to loans | -0.0100% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8962% | 3,504 |
| Assets per employee ($millions) | 4.9039% | 2,486 |
| Cash dividends to net income (ytd only)* | 7.0588% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5495% | 498 |
| Loan loss allowance to noncurrent loans | 6,094.1176% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 5,840 |
| Noncurrent loans to loans | 0.0418% | 5,616 |
| Net loans and leases to total assets | 57.6782% | 3,999 |
| Net loans and leases to deposits | 66.9241% | 4,058 |
| Net loans and leases to core deposits | 71.3933% | 4,022 |
| Total domestic deposits to total assets | 86.1845% | 2,836 |
| Equity capital to assets | 11.5214% | 2,446 |
| Core capital (leverage) ratio | 10.9700% | 2,442 |
| Tier 1 risk-based capital ratio | 17.1918% | 2,406 |
| Total risk-based capital ratio | 18.4552% | 2,359 |
| Memoranda: | ||
| Average total assets | $69,149,000 | 5,276 |
| Average earning assets | $64,046,500 | 5,246 |
| Average equity | $7,638,000 | 5,277 |
| Average total loans | $39,950,000 | 5,143 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5711% | 5,164 |
| Cost of funding earning assets | 0.3568% | 4,178 |
| Net interest margin | 3.2143% | 4,876 |
| Noninterest income to average assets | 0.3548% | 4,561 |
| Noninterest expense to average assets | 2.3977% | 4,848 |
| Loan and lease loss provision to assets | 0.1437% | 1,846 |
| Net operating income to assets | 0.7281% | 3,748 |
| Return on assets (ROA) | 0.6953% | 4,034 |
| Pretax return on assets | 0.7298% | 4,514 |
| Return on Equity (ROE) | 7.2651% | 3,482 |
| Retained earnings to average equity (ytd only) | 4.6683% | 2,842 |
| Net charge-offs to loans | 0.1283% | 2,737 |
| Credit loss provision to net charge-offs | 217.3913% | 1,144 |
| Earnings coverage of net charge-offs (x) | 13.7391% | 2,244 |
| Efficiency ratio | 72.5337% | 3,119 |
| Assets per employee ($millions) | 4.6429% | 2,808 |
| Cash dividends to net income (ytd only)* | 35.7438% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6359% | 465 |
| Loan loss allowance to noncurrent loans | 5,750.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 5,940 |
| Noncurrent loans to loans | 0.0458% | 5,696 |
| Net loans and leases to total assets | 54.8942% | 4,462 |
| Net loans and leases to deposits | 63.5948% | 4,568 |
| Net loans and leases to core deposits | 68.3973% | 4,463 |
| Total domestic deposits to total assets | 86.3188% | 2,661 |
| Equity capital to assets | 10.5768% | 3,392 |
| Core capital (leverage) ratio | 10.7661% | 2,656 |
| Tier 1 risk-based capital ratio | 17.1615% | 2,446 |
| Total risk-based capital ratio | 18.4263% | 2,392 |
| Memoranda: | ||
| Average total assets | $69,609,800 | 5,309 |
| Average earning assets | $63,902,600 | 5,279 |
| Average equity | $6,662,000 | 5,490 |
| Average total loans | $35,841,400 | 5,336 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5462% | 5,284 |
| Cost of funding earning assets | 0.3617% | 4,220 |
| Net interest margin | 3.1845% | 5,016 |
| Noninterest income to average assets | 0.3601% | 4,552 |
| Noninterest expense to average assets | 2.2144% | 5,322 |
| Loan and lease loss provision to assets | 0.0958% | 2,452 |
| Net operating income to assets | 0.9212% | 2,815 |
| Return on assets (ROA) | 0.9176% | 2,930 |
| Pretax return on assets | 0.9636% | 3,745 |
| Return on Equity (ROE) | 9.8466% | 2,292 |
| Retained earnings to average equity (ytd only) | 7.8731% | 1,416 |
| Net charge-offs to loans | 0.1829% | 1,996 |
| Credit loss provision to net charge-offs | 104.1667% | 2,125 |
| Earnings coverage of net charge-offs (x) | 11.5622% | 2,411 |
| Efficiency ratio | 67.5628% | 3,929 |
| Assets per employee ($millions) | 4.5986% | 2,814 |
| Cash dividends to net income (ytd only)* | 20.0423% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6391% | 537 |
| Loan loss allowance to noncurrent loans | 147.1557% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.9684% | 3,032 |
| Noncurrent loans to loans | 1.7934% | 1,809 |
| Net loans and leases to total assets | 52.5725% | 4,742 |
| Net loans and leases to deposits | 59.3762% | 4,998 |
| Net loans and leases to core deposits | 63.7945% | 4,898 |
| Total domestic deposits to total assets | 88.5414% | 1,480 |
| Equity capital to assets | 10.3234% | 3,766 |
| Core capital (leverage) ratio | 10.8422% | 2,644 |
| Tier 1 risk-based capital ratio | 17.8601% | 2,253 |
| Total risk-based capital ratio | 19.1239% | 2,210 |
| Memoranda: | ||
| Average total assets | $69,601,500 | 5,356 |
| Average earning assets | $63,766,500 | 5,344 |
| Average equity | $6,486,000 | 5,580 |
| Average total loans | $34,985,500 | 5,417 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5290% | 5,347 |
| Cost of funding earning assets | 0.3670% | 4,239 |
| Net interest margin | 3.1619% | 5,061 |
| Noninterest income to average assets | 0.3409% | 4,695 |
| Noninterest expense to average assets | 2.1688% | 5,484 |
| Loan and lease loss provision to assets | 0.1432% | 1,730 |
| Net operating income to assets | 0.8732% | 2,946 |
| Return on assets (ROA) | 0.8624% | 3,097 |
| Pretax return on assets | 0.9053% | 3,873 |
| Return on Equity (ROE) | 9.5946% | 2,327 |
| Retained earnings to average equity (ytd only) | 7.5546% | 1,501 |
| Net charge-offs to loans | 0.2454% | 1,579 |
| Credit loss provision to net charge-offs | 119.0476% | 1,732 |
| Earnings coverage of net charge-offs (x) | 8.8095% | 2,441 |
| Efficiency ratio | 67.1695% | 4,165 |
| Assets per employee ($millions) | 4.6769% | 2,656 |
| Cash dividends to net income (ytd only)* | 21.2625% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8332% | 459 |
| Loan loss allowance to noncurrent loans | 347.0175% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 4,797 |
| Noncurrent loans to loans | 0.8165% | 3,669 |
| Net loans and leases to total assets | 48.3486% | 5,146 |
| Net loans and leases to deposits | 54.0225% | 5,356 |
| Net loans and leases to core deposits | 57.0751% | 5,335 |
| Total domestic deposits to total assets | 89.4972% | 1,094 |
| Equity capital to assets | 9.6803% | 4,516 |
| Core capital (leverage) ratio | 10.6533% | 2,767 |
| Tier 1 risk-based capital ratio | 18.3129% | 2,127 |
| Total risk-based capital ratio | 19.5775% | 2,091 |
| Memoranda: | ||
| Average total assets | $69,809,000 | 5,394 |
| Average earning assets | $63,758,330 | 5,393 |
| Average equity | $6,274,330 | 5,661 |
| Average total loans | $34,231,670 | 5,478 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 5,334 |
| Cost of funding earning assets | 0.3693% | 4,322 |
| Net interest margin | 3.1669% | 5,022 |
| Noninterest income to average assets | 0.3217% | 4,792 |
| Noninterest expense to average assets | 2.3091% | 5,166 |
| Loan and lease loss provision to assets | 0.1436% | 1,701 |
| Net operating income to assets | 0.7404% | 3,482 |
| Return on assets (ROA) | 0.7295% | 3,626 |
| Pretax return on assets | 0.7640% | 4,257 |
| Return on Equity (ROE) | 8.4441% | 2,716 |
| Retained earnings to average equity (ytd only) | 7.6463% | 1,751 |
| Net charge-offs to loans | -0.1298% | 6,229 |
| Credit loss provision to net charge-offs | -227.2727% | 4,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5302% | 3,573 |
| Assets per employee ($millions) | 4.7813% | 2,546 |
| Cash dividends to net income (ytd only)* | 9.4488% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0000% | 435 |
| Loan loss allowance to noncurrent loans | 261.4396% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 4,518 |
| Noncurrent loans to loans | 1.1475% | 3,127 |
| Net loans and leases to total assets | 45.8498% | 5,343 |
| Net loans and leases to deposits | 50.3098% | 5,576 |
| Net loans and leases to core deposits | 54.6175% | 5,460 |
| Total domestic deposits to total assets | 91.1348% | 515 |
| Equity capital to assets | 8.7536% | 5,391 |
| Core capital (leverage) ratio | 10.3844% | 3,069 |
| Tier 1 risk-based capital ratio | 18.3349% | 2,167 |
| Total risk-based capital ratio | 19.6020% | 2,131 |
| Memoranda: | ||
| Average total assets | $69,637,000 | 5,456 |
| Average earning assets | $63,910,500 | 5,444 |
| Average equity | $6,016,000 | 5,744 |
| Average total loans | $33,894,000 | 5,545 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4478% | 5,736 |
| Cost of funding earning assets | 0.4113% | 4,527 |
| Net interest margin | 3.0365% | 5,491 |
| Noninterest income to average assets | 0.2897% | 5,287 |
| Noninterest expense to average assets | 2.3556% | 5,212 |
| Loan and lease loss provision to assets | 0.2769% | 1,262 |
| Net operating income to assets | 0.4355% | 5,012 |
| Return on assets (ROA) | 0.5623% | 4,563 |
| Pretax return on assets | 0.5893% | 4,901 |
| Return on Equity (ROE) | 5.8822% | 4,156 |
| Retained earnings to average equity (ytd only) | 4.9909% | 2,606 |
| Net charge-offs to loans | 1.0215% | 558 |
| Credit loss provision to net charge-offs | 62.7010% | 3,485 |
| Earnings coverage of net charge-offs (x) | 1.6592% | 4,499 |
| Efficiency ratio | 76.2759% | 2,730 |
| Assets per employee ($millions) | 4.5037% | 2,895 |
| Cash dividends to net income (ytd only)* | 15.1515% | 3,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8948% | 526 |
| Loan loss allowance to noncurrent loans | 167.4061% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 3,718 |
| Noncurrent loans to loans | 1.7292% | 2,325 |
| Net loans and leases to total assets | 48.7114% | 5,219 |
| Net loans and leases to deposits | 53.3105% | 5,526 |
| Net loans and leases to core deposits | 58.4722% | 5,351 |
| Total domestic deposits to total assets | 91.3730% | 449 |
| Equity capital to assets | 8.5175% | 5,563 |
| Core capital (leverage) ratio | 10.3083% | 3,140 |
| Tier 1 risk-based capital ratio | 18.0608% | 2,228 |
| Total risk-based capital ratio | 19.3265% | 2,192 |
| Memoranda: | ||
| Average total assets | $70,426,800 | 5,461 |
| Average earning assets | $64,910,200 | 5,440 |
| Average equity | $6,732,200 | 5,634 |
| Average total loans | $30,446,000 | 5,740 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3965% | 5,883 |
| Cost of funding earning assets | 0.4195% | 4,621 |
| Net interest margin | 2.9770% | 5,649 |
| Noninterest income to average assets | 0.2867% | 5,397 |
| Noninterest expense to average assets | 2.1458% | 5,729 |
| Loan and lease loss provision to assets | 0.2811% | 1,237 |
| Net operating income to assets | 0.5722% | 4,463 |
| Return on assets (ROA) | 0.7215% | 3,881 |
| Pretax return on assets | 0.7552% | 4,471 |
| Return on Equity (ROE) | 7.3576% | 3,458 |
| Retained earnings to average equity (ytd only) | 6.4402% | 2,168 |
| Net charge-offs to loans | 1.4061% | 352 |
| Credit loss provision to net charge-offs | 48.0769% | 3,556 |
| Earnings coverage of net charge-offs (x) | 1.5064% | 4,337 |
| Efficiency ratio | 70.8978% | 3,621 |
| Assets per employee ($millions) | 4.7717% | 2,476 |
| Cash dividends to net income (ytd only)* | 12.4679% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9263% | 601 |
| Loan loss allowance to noncurrent loans | 143.8462% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.9081% | 3,862 |
| Noncurrent loans to loans | 2.0343% | 2,212 |
| Net loans and leases to total assets | 43.3350% | 5,786 |
| Net loans and leases to deposits | 47.3109% | 6,009 |
| Net loans and leases to core deposits | 52.5293% | 5,861 |
| Total domestic deposits to total assets | 91.5962% | 344 |
| Equity capital to assets | 8.2724% | 5,932 |
| Core capital (leverage) ratio | 10.0569% | 3,589 |
| Tier 1 risk-based capital ratio | 18.4842% | 2,148 |
| Total risk-based capital ratio | 19.7486% | 2,114 |
| Memoranda: | ||
| Average total assets | $71,144,750 | 5,497 |
| Average earning assets | $65,477,000 | 5,475 |
| Average equity | $6,976,750 | 5,643 |
| Average total loans | $29,585,500 | 5,839 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4144% | 5,875 |
| Cost of funding earning assets | 0.4287% | 4,675 |
| Net interest margin | 2.9857% | 5,594 |
| Noninterest income to average assets | 0.3070% | 5,252 |
| Noninterest expense to average assets | 2.1408% | 5,776 |
| Loan and lease loss provision to assets | 0.2113% | 1,796 |
| Net operating income to assets | 0.6704% | 3,959 |
| Return on assets (ROA) | 0.6704% | 4,119 |
| Pretax return on assets | 0.7014% | 4,679 |
| Return on Equity (ROE) | 6.4950% | 3,884 |
| Retained earnings to average equity (ytd only) | 5.5126% | 2,733 |
| Net charge-offs to loans | 0.9654% | 639 |
| Credit loss provision to net charge-offs | 53.9568% | 3,141 |
| Earnings coverage of net charge-offs (x) | 2.3309% | 3,744 |
| Efficiency ratio | 70.1107% | 3,806 |
| Assets per employee ($millions) | 5.0939% | 1,997 |
| Cash dividends to net income (ytd only)* | 15.1261% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7259% | 312 |
| Loan loss allowance to noncurrent loans | 1,110.7527% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 6,095 |
| Noncurrent loans to loans | 0.3354% | 5,457 |
| Net loans and leases to total assets | 37.4288% | 6,212 |
| Net loans and leases to deposits | 42.0393% | 6,327 |
| Net loans and leases to core deposits | 46.6130% | 6,207 |
| Total domestic deposits to total assets | 89.0330% | 1,617 |
| Equity capital to assets | 8.8426% | 5,395 |
| Core capital (leverage) ratio | 9.8380% | 3,739 |
| Tier 1 risk-based capital ratio | 19.9649% | 1,729 |
| Total risk-based capital ratio | 21.2350% | 1,692 |
| Memoranda: | ||
| Average total assets | $71,001,330 | 5,539 |
| Average earning assets | $65,312,330 | 5,517 |
| Average equity | $7,328,670 | 5,598 |
| Average total loans | $28,796,670 | 5,900 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4384% | 5,858 |
| Cost of funding earning assets | 0.4482% | 4,615 |
| Net interest margin | 2.9902% | 5,596 |
| Noninterest income to average assets | 0.3049% | 5,259 |
| Noninterest expense to average assets | 2.2754% | 5,489 |
| Loan and lease loss provision to assets | 0.1412% | 2,478 |
| Net operating income to assets | 0.6154% | 4,139 |
| Return on assets (ROA) | 0.6154% | 4,299 |
| Pretax return on assets | 0.6380% | 4,812 |
| Return on Equity (ROE) | 5.5612% | 4,286 |
| Retained earnings to average equity (ytd only) | 4.9490% | 3,269 |
| Net charge-offs to loans | 2.0455% | 225 |
| Credit loss provision to net charge-offs | 16.6667% | 3,086 |
| Earnings coverage of net charge-offs (x) | 0.9200% | 3,528 |
| Efficiency ratio | 74.4917% | 3,177 |
| Assets per employee ($millions) | 4.4123% | 3,131 |
| Cash dividends to net income (ytd only)* | 11.0092% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6134% | 385 |
| Loan loss allowance to noncurrent loans | 837.9310% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 6,076 |
| Noncurrent loans to loans | 0.4312% | 5,343 |
| Net loans and leases to total assets | 36.7268% | 6,245 |
| Net loans and leases to deposits | 41.3406% | 6,357 |
| Net loans and leases to core deposits | 45.3429% | 6,247 |
| Total domestic deposits to total assets | 88.8395% | 1,773 |
| Equity capital to assets | 11.0231% | 2,940 |
| Core capital (leverage) ratio | 9.7200% | 3,771 |
| Tier 1 risk-based capital ratio | 20.3602% | 1,683 |
| Total risk-based capital ratio | 21.6313% | 1,655 |
| Memoranda: | ||
| Average total assets | $70,845,000 | 5,600 |
| Average earning assets | $65,146,000 | 5,572 |
| Average equity | $7,840,000 | 5,528 |
| Average total loans | $29,332,500 | 5,917 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 5,401 |
| Cost of funding earning assets | 0.5621% | 4,711 |
| Net interest margin | 3.4061% | 4,862 |
| Noninterest income to average assets | 0.3222% | 5,156 |
| Noninterest expense to average assets | 2.4469% | 5,265 |
| Loan and lease loss provision to assets | 0.6079% | 899 |
| Net operating income to assets | 0.3636% | 5,240 |
| Return on assets (ROA) | 0.5441% | 4,754 |
| Pretax return on assets | 0.5699% | 5,080 |
| Return on Equity (ROE) | 4.6697% | 4,851 |
| Retained earnings to average equity (ytd only) | 1.3435% | 5,204 |
| Net charge-offs to loans | 1.8151% | 446 |
| Credit loss provision to net charge-offs | 67.0017% | 4,254 |
| Earnings coverage of net charge-offs (x) | 1.0888% | 4,914 |
| Efficiency ratio | 71.2389% | 3,579 |
| Assets per employee ($millions) | 4.7395% | 2,589 |
| Cash dividends to net income (ytd only)* | 71.2291% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4535% | 444 |
| Loan loss allowance to noncurrent loans | 460.9244% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 5,663 |
| Noncurrent loans to loans | 0.7493% | 4,679 |
| Net loans and leases to total assets | 43.1379% | 5,891 |
| Net loans and leases to deposits | 48.6068% | 6,062 |
| Net loans and leases to core deposits | 54.5064% | 5,841 |
| Total domestic deposits to total assets | 88.7485% | 1,733 |
| Equity capital to assets | 11.1094% | 2,824 |
| Core capital (leverage) ratio | 9.8912% | 3,559 |
| Tier 1 risk-based capital ratio | 18.3144% | 2,165 |
| Total risk-based capital ratio | 19.5859% | 2,122 |
| Memoranda: | ||
| Average total assets | $65,796,400 | 5,749 |
| Average earning assets | $60,127,600 | 5,740 |
| Average equity | $7,666,400 | 5,594 |
| Average total loans | $32,891,200 | 5,808 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 5,298 |
| Cost of funding earning assets | 0.5891% | 4,753 |
| Net interest margin | 3.4781% | 4,723 |
| Noninterest income to average assets | 0.3185% | 5,239 |
| Noninterest expense to average assets | 2.3203% | 5,633 |
| Loan and lease loss provision to assets | 0.7548% | 654 |
| Net operating income to assets | 0.3991% | 5,252 |
| Return on assets (ROA) | 0.6473% | 4,415 |
| Pretax return on assets | 0.6762% | 4,935 |
| Return on Equity (ROE) | 5.4849% | 4,607 |
| Retained earnings to average equity (ytd only) | 1.8400% | 5,413 |
| Net charge-offs to loans | 1.8810% | 405 |
| Credit loss provision to net charge-offs | 77.9915% | 3,676 |
| Earnings coverage of net charge-offs (x) | 1.2115% | 4,694 |
| Efficiency ratio | 66.4298% | 4,370 |
| Assets per employee ($millions) | 4.4262% | 3,037 |
| Cash dividends to net income (ytd only)* | 66.4550% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7088% | 392 |
| Loan loss allowance to noncurrent loans | 330.8333% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 5,320 |
| Noncurrent loans to loans | 1.1210% | 4,182 |
| Net loans and leases to total assets | 46.5742% | 5,704 |
| Net loans and leases to deposits | 52.9260% | 5,893 |
| Net loans and leases to core deposits | 59.2852% | 5,626 |
| Total domestic deposits to total assets | 87.9987% | 2,044 |
| Equity capital to assets | 11.8085% | 2,422 |
| Core capital (leverage) ratio | 10.3330% | 3,122 |
| Tier 1 risk-based capital ratio | 18.8126% | 2,070 |
| Total risk-based capital ratio | 20.0883% | 2,028 |
| Memoranda: | ||
| Average total assets | $64,472,250 | 5,866 |
| Average earning assets | $58,842,750 | 5,846 |
| Average equity | $7,608,500 | 5,670 |
| Average total loans | $33,172,750 | 5,862 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 5,251 |
| Cost of funding earning assets | 0.6084% | 4,830 |
| Net interest margin | 3.5093% | 4,626 |
| Noninterest income to average assets | 0.3541% | 5,002 |
| Noninterest expense to average assets | 2.3374% | 5,642 |
| Loan and lease loss provision to assets | 0.9870% | 452 |
| Net operating income to assets | 0.2192% | 5,859 |
| Return on assets (ROA) | 0.2914% | 5,853 |
| Pretax return on assets | 0.3039% | 5,959 |
| Return on Equity (ROE) | 2.4697% | 5,889 |
| Retained earnings to average equity (ytd only) | -2.7352% | 6,438 |
| Net charge-offs to loans | 0.9724% | 1,142 |
| Credit loss provision to net charge-offs | 193.2515% | 1,464 |
| Earnings coverage of net charge-offs (x) | 2.3804% | 3,808 |
| Efficiency ratio | 65.7848% | 4,570 |
| Assets per employee ($millions) | 4.4092% | 3,074 |
| Cash dividends to net income (ytd only)* | 210.7527% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3474% | 262 |
| Loan loss allowance to noncurrent loans | 307.6596% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 5,016 |
| Noncurrent loans to loans | 1.4131% | 3,794 |
| Net loans and leases to total assets | 48.1040% | 5,602 |
| Net loans and leases to deposits | 54.4824% | 5,818 |
| Net loans and leases to core deposits | 60.2922% | 5,560 |
| Total domestic deposits to total assets | 88.2927% | 1,962 |
| Equity capital to assets | 11.4941% | 2,604 |
| Core capital (leverage) ratio | 10.2008% | 3,143 |
| Tier 1 risk-based capital ratio | 17.8009% | 2,363 |
| Total risk-based capital ratio | 19.0833% | 2,316 |
| Memoranda: | ||
| Average total assets | $63,832,000 | 5,921 |
| Average earning assets | $58,187,670 | 5,900 |
| Average equity | $7,531,330 | 5,701 |
| Average total loans | $33,526,000 | 5,889 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 4,720 |
| Cost of funding earning assets | 0.6178% | 4,982 |
| Net interest margin | 3.6855% | 3,899 |
| Noninterest income to average assets | 0.3191% | 5,320 |
| Noninterest expense to average assets | 2.5272% | 5,067 |
| Loan and lease loss provision to assets | 0.5105% | 1,181 |
| Net operating income to assets | 0.6063% | 4,321 |
| Return on assets (ROA) | 0.6063% | 4,532 |
| Pretax return on assets | 0.6318% | 5,004 |
| Return on Equity (ROE) | 5.0694% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.4290% | 3,940 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8696% | 4,004 |
| Assets per employee ($millions) | 4.2219% | 3,537 |
| Cash dividends to net income (ytd only)* | 12.6316% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1290% | 333 |
| Loan loss allowance to noncurrent loans | 355.9585% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 5,236 |
| Noncurrent loans to loans | 1.1600% | 4,386 |
| Net loans and leases to total assets | 50.3766% | 5,257 |
| Net loans and leases to deposits | 57.3012% | 5,458 |
| Net loans and leases to core deposits | 63.9108% | 5,124 |
| Total domestic deposits to total assets | 87.9155% | 2,377 |
| Equity capital to assets | 11.8603% | 2,138 |
| Core capital (leverage) ratio | 10.9280% | 2,316 |
| Tier 1 risk-based capital ratio | 18.5220% | 2,139 |
| Total risk-based capital ratio | 19.8038% | 2,096 |
| Memoranda: | ||
| Average total assets | $62,679,000 | 5,991 |
| Average earning assets | $56,979,500 | 5,975 |
| Average equity | $7,496,000 | 5,738 |
| Average total loans | $33,658,500 | 5,929 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7872% | 3,872 |
| Cost of funding earning assets | 0.7590% | 5,142 |
| Net interest margin | 4.0282% | 2,740 |
| Noninterest income to average assets | 0.2877% | 5,477 |
| Noninterest expense to average assets | 2.6591% | 4,888 |
| Loan and lease loss provision to assets | 1.0722% | 851 |
| Net operating income to assets | 0.2010% | 5,588 |
| Return on assets (ROA) | 0.3939% | 5,060 |
| Pretax return on assets | 0.3923% | 5,318 |
| Return on Equity (ROE) | 3.3438% | 5,141 |
| Retained earnings to average equity (ytd only) | 0.0555% | 5,810 |
| Net charge-offs to loans | 0.4713% | 3,103 |
| Credit loss provision to net charge-offs | 395.1807% | 589 |
| Earnings coverage of net charge-offs (x) | 4.6867% | 3,019 |
| Efficiency ratio | 67.6507% | 4,432 |
| Assets per employee ($millions) | 4.1353% | 3,579 |
| Cash dividends to net income (ytd only)* | 98.3402% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8014% | 434 |
| Loan loss allowance to noncurrent loans | 656.8528% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 6,182 |
| Noncurrent loans to loans | 0.5787% | 5,552 |
| Net loans and leases to total assets | 52.7914% | 5,189 |
| Net loans and leases to deposits | 60.2735% | 5,454 |
| Net loans and leases to core deposits | 68.2834% | 4,992 |
| Total domestic deposits to total assets | 87.5865% | 2,421 |
| Equity capital to assets | 12.0605% | 2,077 |
| Core capital (leverage) ratio | 10.7698% | 2,458 |
| Tier 1 risk-based capital ratio | 18.1596% | 2,142 |
| Total risk-based capital ratio | 19.4369% | 2,107 |
| Memoranda: | ||
| Average total assets | $61,185,000 | 6,006 |
| Average earning assets | $55,334,600 | 6,009 |
| Average equity | $7,207,400 | 5,804 |
| Average total loans | $35,224,800 | 5,903 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8357% | 3,855 |
| Cost of funding earning assets | 0.7834% | 5,256 |
| Net interest margin | 4.0523% | 2,683 |
| Noninterest income to average assets | 0.2646% | 5,725 |
| Noninterest expense to average assets | 2.4994% | 5,466 |
| Loan and lease loss provision to assets | 0.5467% | 1,797 |
| Net operating income to assets | 0.8638% | 2,894 |
| Return on assets (ROA) | 0.8659% | 3,029 |
| Pretax return on assets | 0.8856% | 3,823 |
| Return on Equity (ROE) | 7.3959% | 3,334 |
| Retained earnings to average equity (ytd only) | 4.8371% | 3,291 |
| Net charge-offs to loans | 0.5443% | 2,604 |
| Credit loss provision to net charge-offs | 172.4138% | 1,739 |
| Earnings coverage of net charge-offs (x) | 4.5103% | 3,045 |
| Efficiency ratio | 63.6060% | 5,135 |
| Assets per employee ($millions) | 3.9372% | 3,986 |
| Cash dividends to net income (ytd only)* | 34.5954% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5651% | 1,314 |
| Loan loss allowance to noncurrent loans | 116.6881% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 1.2366% | 4,323 |
| Noncurrent loans to loans | 2.1983% | 3,113 |
| Net loans and leases to total assets | 54.8107% | 5,026 |
| Net loans and leases to deposits | 65.3308% | 5,004 |
| Net loans and leases to core deposits | 72.9686% | 4,587 |
| Total domestic deposits to total assets | 83.8971% | 4,280 |
| Equity capital to assets | 12.3327% | 2,011 |
| Core capital (leverage) ratio | 11.3010% | 2,162 |
| Tier 1 risk-based capital ratio | 17.9974% | 2,254 |
| Total risk-based capital ratio | 19.2609% | 2,209 |
| Memoranda: | ||
| Average total assets | $60,974,000 | 6,059 |
| Average earning assets | $55,143,750 | 6,063 |
| Average equity | $7,139,000 | 5,867 |
| Average total loans | $35,521,000 | 5,944 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9272% | 3,500 |
| Cost of funding earning assets | 0.7998% | 5,369 |
| Net interest margin | 4.1274% | 2,310 |
| Noninterest income to average assets | 0.2653% | 5,753 |
| Noninterest expense to average assets | 2.5672% | 5,298 |
| Loan and lease loss provision to assets | 0.4975% | 1,975 |
| Net operating income to assets | 0.9254% | 2,534 |
| Return on assets (ROA) | 0.9287% | 2,628 |
| Pretax return on assets | 0.9353% | 3,490 |
| Return on Equity (ROE) | 8.0820% | 2,914 |
| Retained earnings to average equity (ytd only) | 5.9460% | 2,468 |
| Net charge-offs to loans | 0.4501% | 2,776 |
| Credit loss provision to net charge-offs | 187.5000% | 1,611 |
| Earnings coverage of net charge-offs (x) | 5.3875% | 2,620 |
| Efficiency ratio | 64.2324% | 5,196 |
| Assets per employee ($millions) | 3.5767% | 4,735 |
| Cash dividends to net income (ytd only)* | 26.4286% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6083% | 1,302 |
| Loan loss allowance to noncurrent loans | 182.0833% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7894% | 5,318 |
| Noncurrent loans to loans | 1.4325% | 4,265 |
| Net loans and leases to total assets | 53.6708% | 5,340 |
| Net loans and leases to deposits | 61.3456% | 5,573 |
| Net loans and leases to core deposits | 67.4047% | 5,353 |
| Total domestic deposits to total assets | 87.4893% | 2,475 |
| Equity capital to assets | 12.0189% | 2,074 |
| Core capital (leverage) ratio | 11.8011% | 1,722 |
| Tier 1 risk-based capital ratio | 18.6346% | 1,954 |
| Total risk-based capital ratio | 19.8993% | 1,916 |
| Memoranda: | ||
| Average total assets | $60,300,330 | 6,129 |
| Average earning assets | $54,513,330 | 6,128 |
| Average equity | $6,929,000 | 5,940 |
| Average total loans | $35,549,000 | 5,987 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9911% | 3,147 |
| Cost of funding earning assets | 0.8269% | 5,415 |
| Net interest margin | 4.1642% | 2,016 |
| Noninterest income to average assets | 0.2931% | 5,576 |
| Noninterest expense to average assets | 2.6179% | 5,162 |
| Loan and lease loss provision to assets | 0.6661% | 1,285 |
| Net operating income to assets | 0.7994% | 3,038 |
| Return on assets (ROA) | 0.7994% | 3,106 |
| Pretax return on assets | 0.7660% | 4,036 |
| Return on Equity (ROE) | 7.1222% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.1222% | 2,092 |
| Net charge-offs to loans | 0.8750% | 1,511 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | 2.6875% | 3,001 |
| Efficiency ratio | 64.6382% | 5,255 |
| Assets per employee ($millions) | 3.5065% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4088% | 1,594 |
| Loan loss allowance to noncurrent loans | 424.7423% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 6,274 |
| Noncurrent loans to loans | 0.5671% | 5,890 |
| Net loans and leases to total assets | 56.0031% | 4,992 |
| Net loans and leases to deposits | 63.5971% | 5,308 |
| Net loans and leases to core deposits | 69.7301% | 5,082 |
| Total domestic deposits to total assets | 88.0593% | 2,344 |
| Equity capital to assets | 11.4694% | 2,302 |
| Core capital (leverage) ratio | 11.6621% | 1,762 |
| Tier 1 risk-based capital ratio | 18.2354% | 2,041 |
| Total risk-based capital ratio | 19.4962% | 1,995 |
| Memoranda: | ||
| Average total assets | $60,048,500 | 6,184 |
| Average earning assets | $54,176,500 | 6,195 |
| Average equity | $6,739,500 | 6,011 |
| Average total loans | $36,569,500 | 6,006 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6404% | 1,770 |
| Cost of funding earning assets | 1.1256% | 4,995 |
| Net interest margin | 4.5148% | 1,201 |
| Noninterest income to average assets | 0.3244% | 5,464 |
| Noninterest expense to average assets | 2.5743% | 5,530 |
| Loan and lease loss provision to assets | 1.6221% | 892 |
| Net operating income to assets | 0.1780% | 5,347 |
| Return on assets (ROA) | 0.3536% | 4,891 |
| Pretax return on assets | 0.3877% | 4,985 |
| Return on Equity (ROE) | 3.1684% | 4,886 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,576 |
| Net charge-offs to loans | 2.0350% | 990 |
| Credit loss provision to net charge-offs | 119.4743% | 3,543 |
| Earnings coverage of net charge-offs (x) | 1.3381% | 4,764 |
| Efficiency ratio | 58.6258% | 6,256 |
| Assets per employee ($millions) | 3.7804% | 4,303 |
| Cash dividends to net income (ytd only)* | 100.0000% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0652% | 2,141 |
| Loan loss allowance to noncurrent loans | 132.6733% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 1.0498% | 4,905 |
| Noncurrent loans to loans | 1.5566% | 4,164 |
| Net loans and leases to total assets | 63.0344% | 4,061 |
| Net loans and leases to deposits | 72.2335% | 4,476 |
| Net loans and leases to core deposits | 83.0998% | 3,734 |
| Total domestic deposits to total assets | 87.2648% | 2,689 |
| Equity capital to assets | 10.9811% | 2,701 |
| Core capital (leverage) ratio | 11.1482% | 2,050 |
| Tier 1 risk-based capital ratio | 16.1070% | 2,699 |
| Total risk-based capital ratio | 17.3647% | 2,652 |
| Memoranda: | ||
| Average total assets | $61,648,000 | 6,143 |
| Average earning assets | $55,528,000 | 6,150 |
| Average equity | $6,880,400 | 6,078 |
| Average total loans | $41,129,400 | 5,878 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7282% | 1,614 |
| Cost of funding earning assets | 1.1633% | 5,067 |
| Net interest margin | 4.5649% | 1,120 |
| Noninterest income to average assets | 0.3121% | 5,657 |
| Noninterest expense to average assets | 2.4109% | 6,000 |
| Loan and lease loss provision to assets | 1.5068% | 881 |
| Net operating income to assets | 0.4727% | 4,429 |
| Return on assets (ROA) | 0.5188% | 4,407 |
| Pretax return on assets | 0.5575% | 4,733 |
| Return on Equity (ROE) | 4.6301% | 4,485 |
| Retained earnings to average equity (ytd only) | 0.4419% | 5,620 |
| Net charge-offs to loans | 1.8554% | 1,035 |
| Credit loss provision to net charge-offs | 120.6897% | 3,417 |
| Earnings coverage of net charge-offs (x) | 1.6138% | 4,509 |
| Efficiency ratio | 54.4747% | 6,746 |
| Assets per employee ($millions) | 3.7448% | 4,404 |
| Cash dividends to net income (ytd only)* | 90.4553% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 2,528 |
| Loan loss allowance to noncurrent loans | 1,117.6471% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 7,073 |
| Noncurrent loans to loans | 0.1687% | 6,846 |
| Net loans and leases to total assets | 66.0224% | 3,685 |
| Net loans and leases to deposits | 75.8237% | 4,206 |
| Net loans and leases to core deposits | 87.2917% | 3,476 |
| Total domestic deposits to total assets | 87.0736% | 2,484 |
| Equity capital to assets | 12.2789% | 1,990 |
| Core capital (leverage) ratio | 11.0844% | 2,202 |
| Tier 1 risk-based capital ratio | 15.7313% | 2,892 |
| Total risk-based capital ratio | 16.9880% | 2,845 |
| Memoranda: | ||
| Average total assets | $61,938,500 | 6,193 |
| Average earning assets | $55,816,250 | 6,203 |
| Average equity | $6,940,000 | 6,137 |
| Average total loans | $41,679,000 | 5,932 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7303% | 1,653 |
| Cost of funding earning assets | 1.1907% | 5,185 |
| Net interest margin | 4.5396% | 1,124 |
| Noninterest income to average assets | 0.3258% | 5,546 |
| Noninterest expense to average assets | 2.3733% | 6,136 |
| Loan and lease loss provision to assets | 1.6770% | 758 |
| Net operating income to assets | 0.3381% | 5,033 |
| Return on assets (ROA) | 0.4057% | 4,892 |
| Pretax return on assets | 0.4408% | 5,092 |
| Return on Equity (ROE) | 3.7347% | 4,908 |
| Retained earnings to average equity (ytd only) | -1.0881% | 5,988 |
| Net charge-offs to loans | 2.4399% | 716 |
| Credit loss provision to net charge-offs | 102.1401% | 3,995 |
| Earnings coverage of net charge-offs (x) | 1.2451% | 4,575 |
| Efficiency ratio | 53.7238% | 6,910 |
| Assets per employee ($millions) | 3.8816% | 4,029 |
| Cash dividends to net income (ytd only)* | 129.1339% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 3,665 |
| Loan loss allowance to noncurrent loans | 99.5420% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.0547% | 5,031 |
| Noncurrent loans to loans | 1.5581% | 4,380 |
| Net loans and leases to total assets | 66.6404% | 3,700 |
| Net loans and leases to deposits | 77.6026% | 4,062 |
| Net loans and leases to core deposits | 89.7902% | 3,306 |
| Total domestic deposits to total assets | 85.8739% | 3,162 |
| Equity capital to assets | 11.1505% | 2,726 |
| Core capital (leverage) ratio | 10.7059% | 2,460 |
| Tier 1 risk-based capital ratio | 15.1041% | 3,102 |
| Total risk-based capital ratio | 16.3573% | 3,062 |
| Memoranda: | ||
| Average total assets | $62,612,670 | 6,209 |
| Average earning assets | $56,437,000 | 6,223 |
| Average equity | $6,801,000 | 6,204 |
| Average total loans | $42,132,670 | 5,949 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7657% | 1,573 |
| Cost of funding earning assets | 1.2071% | 5,366 |
| Net interest margin | 4.5586% | 1,033 |
| Noninterest income to average assets | 0.3245% | 5,559 |
| Noninterest expense to average assets | 2.3987% | 6,091 |
| Loan and lease loss provision to assets | 0.9544% | 1,318 |
| Net operating income to assets | 1.0222% | 2,104 |
| Return on assets (ROA) | 1.1580% | 1,731 |
| Pretax return on assets | 1.1962% | 2,372 |
| Return on Equity (ROE) | 10.8028% | 1,835 |
| Retained earnings to average equity (ytd only) | 4.2736% | 3,582 |
| Net charge-offs to loans | -0.0095% | 6,884 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4012% | 6,935 |
| Assets per employee ($millions) | 3.8878% | 4,125 |
| Cash dividends to net income (ytd only)* | 60.4396% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8774% | 2,510 |
| Loan loss allowance to noncurrent loans | 66.6106% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.9114% | 3,616 |
| Noncurrent loans to loans | 2.8185% | 2,845 |
| Net loans and leases to total assets | 66.5445% | 3,736 |
| Net loans and leases to deposits | 77.2060% | 4,186 |
| Net loans and leases to core deposits | 88.5850% | 3,552 |
| Total domestic deposits to total assets | 86.1908% | 3,036 |
| Equity capital to assets | 10.9332% | 2,822 |
| Core capital (leverage) ratio | 10.9657% | 2,251 |
| Tier 1 risk-based capital ratio | 15.3443% | 2,947 |
| Total risk-based capital ratio | 16.6018% | 2,895 |
| Memoranda: | ||
| Average total assets | $62,866,500 | 6,271 |
| Average earning assets | $56,333,500 | 6,308 |
| Average equity | $6,739,000 | 6,274 |
| Average total loans | $42,179,500 | 6,017 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8471% | 2,450 |
| Cost of funding earning assets | 1.6336% | 4,872 |
| Net interest margin | 4.2135% | 2,020 |
| Noninterest income to average assets | 0.2995% | 5,955 |
| Noninterest expense to average assets | 2.6232% | 5,705 |
| Loan and lease loss provision to assets | 0.6005% | 3,390 |
| Net operating income to assets | 0.8296% | 2,416 |
| Return on assets (ROA) | 0.8296% | 2,504 |
| Pretax return on assets | 0.8760% | 3,000 |
| Return on Equity (ROE) | 7.8819% | 2,417 |
| Retained earnings to average equity (ytd only) | 6.3603% | 1,204 |
| Net charge-offs to loans | 0.2696% | 4,933 |
| Credit loss provision to net charge-offs | 328.9474% | 992 |
| Earnings coverage of net charge-offs (x) | 8.0877% | 2,007 |
| Efficiency ratio | 63.9844% | 5,783 |
| Assets per employee ($millions) | 3.9705% | 3,875 |
| Cash dividends to net income (ytd only)* | 19.3050% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 3,622 |
| Loan loss allowance to noncurrent loans | 75.7683% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.3317% | 4,432 |
| Noncurrent loans to loans | 2.0060% | 3,644 |
| Net loans and leases to total assets | 65.3759% | 4,303 |
| Net loans and leases to deposits | 76.6825% | 4,630 |
| Net loans and leases to core deposits | 105.9814% | 3,336 |
| Total domestic deposits to total assets | 85.2553% | 3,428 |
| Equity capital to assets | 10.5103% | 3,168 |
| Core capital (leverage) ratio | 10.8107% | 2,342 |
| Tier 1 risk-based capital ratio | 14.8650% | 3,020 |
| Total risk-based capital ratio | 16.1160% | 2,966 |
| Memoranda: | ||
| Average total assets | $62,443,200 | 6,257 |
| Average earning assets | $56,318,600 | 6,278 |
| Average equity | $6,572,000 | 6,402 |
| Average total loans | $42,280,000 | 6,006 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9144% | 2,387 |
| Cost of funding earning assets | 1.7101% | 4,847 |
| Net interest margin | 4.2043% | 2,044 |
| Noninterest income to average assets | 0.2831% | 6,211 |
| Noninterest expense to average assets | 2.3526% | 6,544 |
| Loan and lease loss provision to assets | 0.4825% | 3,489 |
| Net operating income to assets | 1.2031% | 1,462 |
| Return on assets (ROA) | 1.2031% | 1,517 |
| Pretax return on assets | 1.2653% | 2,062 |
| Return on Equity (ROE) | 11.4270% | 1,503 |
| Retained earnings to average equity (ytd only) | 10.4086% | 560 |
| Net charge-offs to loans | 0.1103% | 5,577 |
| Credit loss provision to net charge-offs | 642.8571% | 581 |
| Earnings coverage of net charge-offs (x) | 23.2835% | 1,127 |
| Efficiency ratio | 57.3745% | 6,810 |
| Assets per employee ($millions) | 3.8505% | 4,077 |
| Cash dividends to net income (ytd only)* | 8.9133% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 4,304 |
| Loan loss allowance to noncurrent loans | 78.0822% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.1849% | 4,706 |
| Noncurrent loans to loans | 1.7064% | 4,081 |
| Net loans and leases to total assets | 68.5155% | 3,844 |
| Net loans and leases to deposits | 82.2730% | 3,964 |
| Net loans and leases to core deposits | 114.4829% | 2,784 |
| Total domestic deposits to total assets | 83.2781% | 4,076 |
| Equity capital to assets | 11.1430% | 2,882 |
| Core capital (leverage) ratio | 10.8438% | 2,531 |
| Tier 1 risk-based capital ratio | 15.0858% | 3,001 |
| Total risk-based capital ratio | 16.3359% | 2,941 |
| Memoranda: | ||
| Average total assets | $62,172,000 | 6,310 |
| Average earning assets | $56,448,750 | 6,316 |
| Average equity | $6,545,750 | 6,466 |
| Average total loans | $42,306,750 | 6,055 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8980% | 2,587 |
| Cost of funding earning assets | 1.8034% | 4,740 |
| Net interest margin | 4.0947% | 2,337 |
| Noninterest income to average assets | 0.2822% | 6,246 |
| Noninterest expense to average assets | 2.3701% | 6,556 |
| Loan and lease loss provision to assets | 0.0802% | 6,386 |
| Net operating income to assets | 1.4881% | 860 |
| Return on assets (ROA) | 1.4881% | 916 |
| Pretax return on assets | 1.5459% | 1,339 |
| Return on Equity (ROE) | 14.4114% | 923 |
| Retained earnings to average equity (ytd only) | 14.4114% | 234 |
| Net charge-offs to loans | 0.1708% | 4,518 |
| Credit loss provision to net charge-offs | 69.4444% | 5,425 |
| Earnings coverage of net charge-offs (x) | 14.0833% | 1,683 |
| Efficiency ratio | 59.3098% | 6,647 |
| Assets per employee ($millions) | 3.6950% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 6,891 |
| Loan loss allowance to noncurrent loans | 162.5551% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.4744% | 6,253 |
| Noncurrent loans to loans | 0.5369% | 6,194 |
| Net loans and leases to total assets | 66.7165% | 4,413 |
| Net loans and leases to deposits | 75.0609% | 5,309 |
| Net loans and leases to core deposits | 109.7355% | 3,403 |
| Total domestic deposits to total assets | 88.8832% | 1,323 |
| Equity capital to assets | 10.4609% | 3,455 |
| Core capital (leverage) ratio | 10.9973% | 2,396 |
| Tier 1 risk-based capital ratio | 14.7788% | 3,112 |
| Total risk-based capital ratio | 15.5814% | 3,273 |
| Memoranda: | ||
| Average total assets | $62,360,000 | 6,359 |
| Average earning assets | $56,561,330 | 6,364 |
| Average equity | $6,439,330 | 6,554 |
| Average total loans | $42,148,670 | 6,106 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0147% | 2,301 |
| Cost of funding earning assets | 1.8479% | 4,887 |
| Net interest margin | 4.1667% | 2,027 |
| Noninterest income to average assets | 0.1609% | 7,155 |
| Noninterest expense to average assets | 2.3112% | 6,499 |
| Loan and lease loss provision to assets | 0.1609% | 4,875 |
| Net operating income to assets | 1.3841% | 1,173 |
| Return on assets (ROA) | 1.3841% | 1,265 |
| Pretax return on assets | 1.4485% | 1,817 |
| Return on Equity (ROE) | 13.4934% | 1,269 |
| Retained earnings to average equity (ytd only) | 13.4934% | 569 |
| Net charge-offs to loans | 0.0665% | 4,541 |
| Credit loss provision to net charge-offs | 357.1429% | 1,418 |
| Earnings coverage of net charge-offs (x) | 35.7143% | 932 |
| Efficiency ratio | 58.9491% | 6,560 |
| Assets per employee ($millions) | 3.6943% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 6,536 |
| Loan loss allowance to noncurrent loans | 118.8060% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 5,514 |
| Noncurrent loans to loans | 0.7941% | 5,453 |
| Net loans and leases to total assets | 66.5414% | 4,455 |
| Net loans and leases to deposits | 77.2801% | 5,041 |
| Net loans and leases to core deposits | 110.5468% | 3,363 |
| Total domestic deposits to total assets | 86.1042% | 2,659 |
| Equity capital to assets | 10.4278% | 3,536 |
| Core capital (leverage) ratio | 10.7580% | 2,691 |
| Tier 1 risk-based capital ratio | 14.3220% | 3,418 |
| Total risk-based capital ratio | 15.1928% | 3,548 |
| Memoranda: | ||
| Average total assets | $62,132,500 | 6,395 |
| Average earning assets | $56,063,000 | 6,414 |
| Average equity | $6,373,500 | 6,629 |
| Average total loans | $42,084,500 | 6,138 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5643% | 2,650 |
| Cost of funding earning assets | 2.4882% | 4,267 |
| Net interest margin | 4.0761% | 2,803 |
| Noninterest income to average assets | 0.4645% | 4,927 |
| Noninterest expense to average assets | 2.6130% | 5,602 |
| Loan and lease loss provision to assets | 0.1520% | 5,420 |
| Net operating income to assets | 1.2936% | 1,498 |
| Return on assets (ROA) | 1.3209% | 1,377 |
| Pretax return on assets | 1.3918% | 1,995 |
| Return on Equity (ROE) | 12.9513% | 1,337 |
| Retained earnings to average equity (ytd only) | 11.5104% | 269 |
| Net charge-offs to loans | 0.0568% | 5,966 |
| Credit loss provision to net charge-offs | 391.3043% | 1,132 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 959 |
| Efficiency ratio | 63.2979% | 5,711 |
| Assets per employee ($millions) | 3.8414% | 3,877 |
| Cash dividends to net income (ytd only)* | 11.1253% | 4,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 6,651 |
| Loan loss allowance to noncurrent loans | 262.0690% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4181% | 5,963 |
| Noncurrent loans to loans | 0.3454% | 6,340 |
| Net loans and leases to total assets | 67.6857% | 4,516 |
| Net loans and leases to deposits | 77.5588% | 5,396 |
| Net loans and leases to core deposits | 108.3388% | 3,930 |
| Total domestic deposits to total assets | 87.2702% | 1,808 |
| Equity capital to assets | 10.0843% | 3,936 |
| Core capital (leverage) ratio | 10.5650% | 2,925 |
| Tier 1 risk-based capital ratio | 13.8728% | 3,608 |
| Total risk-based capital ratio | 14.7055% | 3,747 |
| Memoranda: | ||
| Average total assets | $59,204,000 | 6,409 |
| Average earning assets | $53,212,000 | 6,455 |
| Average equity | $6,038,000 | 6,791 |
| Average total loans | $40,526,400 | 6,145 |