Home > Triumph State Bank > Performance and Condition Ratios
Triumph State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8236% | 800 |
| Cost of funding earning assets | 0.7805% | 3,786 |
| Net interest margin | 5.0431% | 299 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.7571% | 1,609 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.5133% | 991 |
| Return on assets (ROA) | 1.5133% | 962 |
| Pretax return on assets | 2.1023% | 567 |
| Return on Equity (ROE) | 15.6000% | 1,173 |
| Retained earnings to average equity (ytd only) | 13.4118% | 457 |
| Net charge-offs to loans | 0.0534% | 1,334 |
| Credit loss provision to net charge-offs | 375.8621% | 816 |
| Earnings coverage of net charge-offs (x) | 72.0690% | 1,082 |
| Efficiency ratio | 54.6928% | 3,628 |
| Assets per employee ($millions) | 4.8940% | 3,710 |
| Cash dividends to net income (ytd only)* | 14.0252% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 1,912 |
| Loan loss allowance to noncurrent loans | 253.8194% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 1,712 |
| Noncurrent loans to loans | 0.5013% | 1,534 |
| Net loans and leases to total assets | 61.0000% | 2,753 |
| Net loans and leases to deposits | 68.9402% | 2,955 |
| Net loans and leases to core deposits | 73.1347% | 3,118 |
| Total domestic deposits to total assets | 88.4900% | 1,212 |
| Equity capital to assets | 10.6618% | 1,647 |
| Core capital (leverage) ratio | 10.9024% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7104% | 1,135 |
| Memoranda: | ||
| Average total assets | $94,230,800 | 3,874 |
| Average earning assets | $87,763,800 | 3,853 |
| Average equity | $9,141,200 | 3,810 |
| Average total loans | $54,353,800 | 3,784 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6543% | 846 |
| Cost of funding earning assets | 0.7184% | 3,723 |
| Net interest margin | 4.9359% | 336 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.8262% | 1,373 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.3976% | 1,320 |
| Return on assets (ROA) | 1.3976% | 1,311 |
| Pretax return on assets | 1.9419% | 815 |
| Return on Equity (ROE) | 14.7700% | 1,490 |
| Retained earnings to average equity (ytd only) | 11.7863% | 1,011 |
| Net charge-offs to loans | 0.0572% | 1,097 |
| Credit loss provision to net charge-offs | 308.6957% | 865 |
| Earnings coverage of net charge-offs (x) | 62.9565% | 1,179 |
| Efficiency ratio | 57.3001% | 3,281 |
| Assets per employee ($millions) | 5.0335% | 3,583 |
| Cash dividends to net income (ytd only)* | 20.1816% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 1,933 |
| Loan loss allowance to noncurrent loans | 80.0459% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.9624% | 553 |
| Noncurrent loans to loans | 1.6064% | 431 |
| Net loans and leases to total assets | 59.1400% | 2,923 |
| Net loans and leases to deposits | 66.7223% | 3,072 |
| Net loans and leases to core deposits | 69.2425% | 3,248 |
| Total domestic deposits to total assets | 88.6400% | 1,364 |
| Equity capital to assets | 10.3319% | 1,627 |
| Core capital (leverage) ratio | 10.1251% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4364% | 1,217 |
| Memoranda: | ||
| Average total assets | $94,542,000 | 3,894 |
| Average earning assets | $88,708,250 | 3,860 |
| Average equity | $8,948,000 | 3,828 |
| Average total loans | $53,578,500 | 3,803 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4560% | 890 |
| Cost of funding earning assets | 0.6428% | 3,648 |
| Net interest margin | 4.8132% | 396 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.5789% | 1,981 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.5503% | 1,020 |
| Return on assets (ROA) | 1.5503% | 1,015 |
| Pretax return on assets | 2.1157% | 606 |
| Return on Equity (ROE) | 16.8700% | 1,120 |
| Retained earnings to average equity (ytd only) | 12.3264% | 925 |
| Net charge-offs to loans | 0.0750% | 824 |
| Credit loss provision to net charge-offs | 135.0000% | 1,261 |
| Earnings coverage of net charge-offs (x) | 52.0500% | 1,273 |
| Efficiency ratio | 53.4914% | 3,654 |
| Assets per employee ($millions) | 5.2824% | 3,337 |
| Cash dividends to net income (ytd only)* | 26.9179% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,418 |
| Loan loss allowance to noncurrent loans | 66.5653% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.1232% | 383 |
| Noncurrent loans to loans | 1.8083% | 334 |
| Net loans and leases to total assets | 56.7100% | 3,069 |
| Net loans and leases to deposits | 63.4467% | 3,230 |
| Net loans and leases to core deposits | 65.4751% | 3,378 |
| Total domestic deposits to total assets | 89.3900% | 1,114 |
| Equity capital to assets | 9.5969% | 2,095 |
| Core capital (leverage) ratio | 9.7595% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4794% | 1,432 |
| Memoranda: | ||
| Average total assets | $95,855,000 | 3,884 |
| Average earning assets | $89,919,667 | 3,866 |
| Average equity | $8,810,333 | 3,868 |
| Average total loans | $53,344,000 | 3,812 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3244% | 805 |
| Cost of funding earning assets | 0.5537% | 3,522 |
| Net interest margin | 4.7707% | 390 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.5976% | 1,958 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.5877% | 1,004 |
| Return on assets (ROA) | 1.5877% | 1,001 |
| Pretax return on assets | 2.0532% | 709 |
| Return on Equity (ROE) | 17.6600% | 1,072 |
| Retained earnings to average equity (ytd only) | 8.4133% | 2,109 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.2807% | 3,575 |
| Assets per employee ($millions) | 5.8869% | 2,857 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 2,022 |
| Loan loss allowance to noncurrent loans | 131.4851% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 857 |
| Noncurrent loans to loans | 0.9909% | 734 |
| Net loans and leases to total assets | 50.2600% | 3,474 |
| Net loans and leases to deposits | 55.5934% | 3,591 |
| Net loans and leases to core deposits | 56.9149% | 3,695 |
| Total domestic deposits to total assets | 90.4100% | 1,008 |
| Equity capital to assets | 8.7732% | 2,681 |
| Core capital (leverage) ratio | 8.7498% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3106% | 1,541 |
| Memoranda: | ||
| Average total assets | $96,241,000 | 3,937 |
| Average earning assets | $90,301,500 | 3,912 |
| Average equity | $8,653,000 | 3,932 |
| Average total loans | $52,725,500 | 3,867 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 1,729 |
| Cost of funding earning assets | 0.3220% | 2,707 |
| Net interest margin | 3.6732% | 1,445 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.4872% | 2,161 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.6843% | 3,660 |
| Return on assets (ROA) | 0.6843% | 3,612 |
| Pretax return on assets | 1.0049% | 3,064 |
| Return on Equity (ROE) | 7.7500% | 3,446 |
| Retained earnings to average equity (ytd only) | 6.5374% | 2,436 |
| Net charge-offs to loans | 0.1811% | 456 |
| Credit loss provision to net charge-offs | 60.6742% | 1,770 |
| Earnings coverage of net charge-offs (x) | 11.1348% | 2,162 |
| Efficiency ratio | 68.3384% | 1,921 |
| Assets per employee ($millions) | 5.4356% | 3,279 |
| Cash dividends to net income (ytd only)* | 15.6740% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 2,426 |
| Loan loss allowance to noncurrent loans | 121.0428% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6796% | 718 |
| Noncurrent loans to loans | 0.9856% | 745 |
| Net loans and leases to total assets | 58.2600% | 2,797 |
| Net loans and leases to deposits | 64.6147% | 2,986 |
| Net loans and leases to core deposits | 66.2862% | 3,118 |
| Total domestic deposits to total assets | 90.1700% | 1,283 |
| Equity capital to assets | 9.2268% | 2,208 |
| Core capital (leverage) ratio | 9.3893% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6840% | 1,735 |
| Memoranda: | ||
| Average total assets | $93,239,000 | 3,981 |
| Average earning assets | $84,149,000 | 3,991 |
| Average equity | $8,229,600 | 4,075 |
| Average total loans | $49,142,000 | 3,909 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 2,113 |
| Cost of funding earning assets | 0.2912% | 2,265 |
| Net interest margin | 3.3825% | 2,031 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.5654% | 1,806 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.4081% | 4,228 |
| Return on assets (ROA) | 0.4081% | 4,170 |
| Pretax return on assets | 0.6207% | 3,950 |
| Return on Equity (ROE) | 4.6800% | 4,039 |
| Retained earnings to average equity (ytd only) | 3.0408% | 3,763 |
| Net charge-offs to loans | 0.2510% | 269 |
| Credit loss provision to net charge-offs | 45.5556% | 1,539 |
| Earnings coverage of net charge-offs (x) | 5.2889% | 2,148 |
| Efficiency ratio | 77.1768% | 982 |
| Assets per employee ($millions) | 5.4229% | 3,301 |
| Cash dividends to net income (ytd only)* | 34.9650% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 2,125 |
| Loan loss allowance to noncurrent loans | 114.8014% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 754 |
| Noncurrent loans to loans | 1.1152% | 664 |
| Net loans and leases to total assets | 53.2000% | 3,165 |
| Net loans and leases to deposits | 58.6395% | 3,300 |
| Net loans and leases to core deposits | 59.4182% | 3,425 |
| Total domestic deposits to total assets | 90.7200% | 1,350 |
| Equity capital to assets | 8.7971% | 2,348 |
| Core capital (leverage) ratio | 7.6704% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4148% | 2,305 |
| Memoranda: | ||
| Average total assets | $93,447,500 | 4,008 |
| Average earning assets | $83,801,750 | 4,027 |
| Average equity | $8,155,500 | 4,123 |
| Average total loans | $47,806,250 | 3,949 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3745% | 2,505 |
| Cost of funding earning assets | 0.2941% | 1,774 |
| Net interest margin | 3.0804% | 2,600 |
| Noninterest income to average assets | 0.2131% | 3,928 |
| Noninterest expense to average assets | 2.5121% | 1,895 |
| Loan and lease loss provision to assets | 0.0575% | 1,554 |
| Net operating income to assets | 0.1683% | 4,461 |
| Return on assets (ROA) | 0.1683% | 4,424 |
| Pretax return on assets | 0.3665% | 4,207 |
| Return on Equity (ROE) | 1.9337% | 4,359 |
| Retained earnings to average equity (ytd only) | -0.5140% | 4,238 |
| Net charge-offs to loans | 0.0424% | 960 |
| Credit loss provision to net charge-offs | 270.0000% | 836 |
| Earnings coverage of net charge-offs (x) | 19.9000% | 1,555 |
| Efficiency ratio | 83.4543% | 712 |
| Assets per employee ($millions) | 5.5186% | 3,209 |
| Cash dividends to net income (ytd only)* | 126.5823% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,395 |
| Loan loss allowance to noncurrent loans | 121.8750% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7365% | 720 |
| Noncurrent loans to loans | 1.2339% | 643 |
| Net loans and leases to total assets | 49.0108% | 3,464 |
| Net loans and leases to deposits | 53.9557% | 3,535 |
| Net loans and leases to core deposits | 54.6561% | 3,659 |
| Total domestic deposits to total assets | 90.8353% | 1,317 |
| Equity capital to assets | 8.5860% | 2,698 |
| Core capital (leverage) ratio | 7.9347% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4543% | 1,882 |
| Memoranda: | ||
| Average total assets | $93,867,000 | 4,047 |
| Average earning assets | $82,976,333 | 4,089 |
| Average equity | $8,170,667 | 4,184 |
| Average total loans | $47,182,333 | 4,009 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2074% | 2,667 |
| Cost of funding earning assets | 0.2894% | 1,746 |
| Net interest margin | 2.9180% | 2,774 |
| Noninterest income to average assets | 0.2301% | 3,772 |
| Noninterest expense to average assets | 2.3474% | 2,349 |
| Loan and lease loss provision to assets | 0.0554% | 1,392 |
| Net operating income to assets | 0.2045% | 4,324 |
| Return on assets (ROA) | 0.2045% | 4,290 |
| Pretax return on assets | 0.3621% | 4,095 |
| Return on Equity (ROE) | 2.3334% | 4,206 |
| Retained earnings to average equity (ytd only) | -2.5278% | 4,285 |
| Net charge-offs to loans | 0.0843% | 582 |
| Credit loss provision to net charge-offs | 130.0000% | 902 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 1,475 |
| Efficiency ratio | 82.7427% | 931 |
| Assets per employee ($millions) | 5.7371% | 3,076 |
| Cash dividends to net income (ytd only)* | 208.3333% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,508 |
| Loan loss allowance to noncurrent loans | 106.6667% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 705 |
| Noncurrent loans to loans | 1.4204% | 598 |
| Net loans and leases to total assets | 45.8541% | 3,593 |
| Net loans and leases to deposits | 50.3422% | 3,706 |
| Net loans and leases to core deposits | 51.1243% | 3,793 |
| Total domestic deposits to total assets | 91.0849% | 993 |
| Equity capital to assets | 8.3286% | 3,305 |
| Core capital (leverage) ratio | 7.9840% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5207% | 1,139 |
| Memoranda: | ||
| Average total assets | $93,892,500 | 4,063 |
| Average earning assets | $81,562,000 | 4,119 |
| Average equity | $8,228,500 | 4,247 |
| Average total loans | $47,432,500 | 4,018 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 919 |
| Cost of funding earning assets | 0.3716% | 1,741 |
| Net interest margin | 3.8789% | 872 |
| Noninterest income to average assets | 0.2210% | 4,047 |
| Noninterest expense to average assets | 2.3996% | 2,494 |
| Loan and lease loss provision to assets | 0.0615% | 1,838 |
| Net operating income to assets | 0.5333% | 4,013 |
| Return on assets (ROA) | 0.5333% | 4,063 |
| Pretax return on assets | 0.7805% | 3,765 |
| Return on Equity (ROE) | 5.7618% | 3,830 |
| Retained earnings to average equity (ytd only) | 4.5307% | 2,990 |
| Net charge-offs to loans | 0.0398% | 1,465 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 41.0556% | 1,422 |
| Efficiency ratio | 72.0211% | 1,511 |
| Assets per employee ($millions) | 5.3091% | 3,463 |
| Cash dividends to net income (ytd only)* | 21.3675% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 1,974 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5928% | 1,112 |
| Noncurrent loans to loans | 0.8311% | 1,225 |
| Net loans and leases to total assets | 54.0364% | 2,850 |
| Net loans and leases to deposits | 59.9464% | 3,079 |
| Net loans and leases to core deposits | 61.3529% | 3,214 |
| Total domestic deposits to total assets | 90.1412% | 894 |
| Equity capital to assets | 9.2339% | 3,385 |
| Core capital (leverage) ratio | 8.9793% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,763,000 | 4,118 |
| Average earning assets | $68,344,800 | 4,285 |
| Average equity | $8,122,400 | 4,320 |
| Average total loans | $45,265,600 | 4,084 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 627 |
| Cost of funding earning assets | 0.3933% | 1,756 |
| Net interest margin | 4.1447% | 606 |
| Noninterest income to average assets | 0.2050% | 4,174 |
| Noninterest expense to average assets | 2.4955% | 2,130 |
| Loan and lease loss provision to assets | 0.0608% | 1,779 |
| Net operating income to assets | 0.5049% | 4,191 |
| Return on assets (ROA) | 0.5049% | 4,236 |
| Pretax return on assets | 0.7604% | 3,956 |
| Return on Equity (ROE) | 5.4525% | 4,028 |
| Retained earnings to average equity (ytd only) | 3.8002% | 3,639 |
| Net charge-offs to loans | 0.0603% | 1,036 |
| Credit loss provision to net charge-offs | 200.0000% | 1,206 |
| Earnings coverage of net charge-offs (x) | 26.8500% | 1,589 |
| Efficiency ratio | 73.2472% | 1,279 |
| Assets per employee ($millions) | 5.1869% | 3,519 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 1,424 |
| Loan loss allowance to noncurrent loans | 121.6364% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 1,219 |
| Noncurrent loans to loans | 1.2884% | 849 |
| Net loans and leases to total assets | 47.6547% | 3,658 |
| Net loans and leases to deposits | 52.9886% | 3,811 |
| Net loans and leases to core deposits | 54.0686% | 3,915 |
| Total domestic deposits to total assets | 89.9340% | 801 |
| Equity capital to assets | 9.3187% | 3,541 |
| Core capital (leverage) ratio | 8.8685% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,140,250 | 4,177 |
| Average earning assets | $65,431,750 | 4,379 |
| Average equity | $8,069,500 | 4,384 |
| Average total loans | $44,218,250 | 4,160 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2803% | 1,037 |
| Cost of funding earning assets | 0.3955% | 1,922 |
| Net interest margin | 3.8848% | 1,000 |
| Noninterest income to average assets | 0.2189% | 4,099 |
| Noninterest expense to average assets | 2.4633% | 2,262 |
| Loan and lease loss provision to assets | 0.0622% | 1,800 |
| Net operating income to assets | 0.4056% | 4,371 |
| Return on assets (ROA) | 0.4056% | 4,412 |
| Pretax return on assets | 0.6360% | 4,177 |
| Return on Equity (ROE) | 4.3888% | 4,256 |
| Retained earnings to average equity (ytd only) | 1.8952% | 4,140 |
| Net charge-offs to loans | 0.0939% | 771 |
| Credit loss provision to net charge-offs | 128.5714% | 1,222 |
| Earnings coverage of net charge-offs (x) | 14.4286% | 1,663 |
| Efficiency ratio | 75.8017% | 1,101 |
| Assets per employee ($millions) | 5.2504% | 3,407 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 1,523 |
| Loan loss allowance to noncurrent loans | 178.4741% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 1,967 |
| Noncurrent loans to loans | 0.8519% | 1,448 |
| Net loans and leases to total assets | 47.5341% | 3,774 |
| Net loans and leases to deposits | 52.8317% | 3,943 |
| Net loans and leases to core deposits | 53.8906% | 4,026 |
| Total domestic deposits to total assets | 89.9727% | 795 |
| Equity capital to assets | 9.0459% | 3,758 |
| Core capital (leverage) ratio | 8.6669% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,794,333 | 4,207 |
| Average earning assets | $65,742,667 | 4,396 |
| Average equity | $8,020,333 | 4,411 |
| Average total loans | $44,727,667 | 4,179 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 1,433 |
| Cost of funding earning assets | 0.3974% | 2,121 |
| Net interest margin | 3.6846% | 1,368 |
| Noninterest income to average assets | 0.2150% | 4,105 |
| Noninterest expense to average assets | 2.6179% | 1,839 |
| Loan and lease loss provision to assets | 0.0608% | 1,904 |
| Net operating income to assets | 0.1776% | 4,651 |
| Return on assets (ROA) | 0.1776% | 4,675 |
| Pretax return on assets | 0.3974% | 4,487 |
| Return on Equity (ROE) | 1.9015% | 4,613 |
| Retained earnings to average equity (ytd only) | -3.1025% | 4,606 |
| Net charge-offs to loans | -0.0263% | 4,114 |
| Credit loss provision to net charge-offs | -433.3333% | 3,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9787% | 649 |
| Assets per employee ($millions) | 5.2466% | 3,384 |
| Cash dividends to net income (ytd only)* | 263.1579% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5233% | 1,526 |
| Loan loss allowance to noncurrent loans | 210.4430% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 2,385 |
| Noncurrent loans to loans | 0.7239% | 1,796 |
| Net loans and leases to total assets | 48.1994% | 3,797 |
| Net loans and leases to deposits | 53.3918% | 3,983 |
| Net loans and leases to core deposits | 54.4549% | 4,072 |
| Total domestic deposits to total assets | 90.2749% | 685 |
| Equity capital to assets | 8.9134% | 3,774 |
| Core capital (leverage) ratio | 8.7715% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,563,500 | 4,238 |
| Average earning assets | $66,439,500 | 4,404 |
| Average equity | $7,993,500 | 4,431 |
| Average total loans | $45,550,500 | 4,179 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4158% | 1,539 |
| Cost of funding earning assets | 0.5211% | 2,807 |
| Net interest margin | 3.8947% | 1,224 |
| Noninterest income to average assets | 0.2545% | 3,960 |
| Noninterest expense to average assets | 2.8301% | 1,865 |
| Loan and lease loss provision to assets | 0.0976% | 3,118 |
| Net operating income to assets | 0.5170% | 3,993 |
| Return on assets (ROA) | 0.5170% | 4,079 |
| Pretax return on assets | 0.7767% | 3,687 |
| Return on Equity (ROE) | 5.0060% | 3,901 |
| Retained earnings to average equity (ytd only) | 2.9627% | 3,380 |
| Net charge-offs to loans | 0.0300% | 2,430 |
| Credit loss provision to net charge-offs | 528.5714% | 1,209 |
| Earnings coverage of net charge-offs (x) | 47.3571% | 1,249 |
| Efficiency ratio | 74.3681% | 1,400 |
| Assets per employee ($millions) | 4.5519% | 3,868 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 2,111 |
| Loan loss allowance to noncurrent loans | 154.5238% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5126% | 2,021 |
| Noncurrent loans to loans | 0.8852% | 1,596 |
| Net loans and leases to total assets | 57.1148% | 3,189 |
| Net loans and leases to deposits | 63.9408% | 3,445 |
| Net loans and leases to core deposits | 65.6238% | 3,569 |
| Total domestic deposits to total assets | 89.3245% | 844 |
| Equity capital to assets | 9.8090% | 3,308 |
| Core capital (leverage) ratio | 9.4543% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,828,800 | 4,296 |
| Average earning assets | $67,167,800 | 4,333 |
| Average equity | $7,830,600 | 4,442 |
| Average total loans | $46,639,600 | 4,171 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4718% | 1,644 |
| Cost of funding earning assets | 0.5492% | 2,935 |
| Net interest margin | 3.9225% | 1,297 |
| Noninterest income to average assets | 0.2584% | 3,933 |
| Noninterest expense to average assets | 3.0416% | 1,351 |
| Loan and lease loss provision to assets | 0.0740% | 3,395 |
| Net operating income to assets | 0.4127% | 4,236 |
| Return on assets (ROA) | 0.4127% | 4,301 |
| Pretax return on assets | 0.6675% | 3,970 |
| Return on Equity (ROE) | 3.9421% | 4,170 |
| Retained earnings to average equity (ytd only) | 1.1998% | 4,179 |
| Net charge-offs to loans | 0.0258% | 2,315 |
| Credit loss provision to net charge-offs | 455.5556% | 1,355 |
| Earnings coverage of net charge-offs (x) | 45.8889% | 1,255 |
| Efficiency ratio | 78.3681% | 998 |
| Assets per employee ($millions) | 4.2108% | 4,137 |
| Cash dividends to net income (ytd only)* | 69.5652% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 1,844 |
| Loan loss allowance to noncurrent loans | 191.0769% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 2,456 |
| Noncurrent loans to loans | 0.7202% | 1,998 |
| Net loans and leases to total assets | 58.7189% | 3,350 |
| Net loans and leases to deposits | 66.2824% | 3,596 |
| Net loans and leases to core deposits | 67.6619% | 3,775 |
| Total domestic deposits to total assets | 88.5890% | 942 |
| Equity capital to assets | 10.3793% | 2,892 |
| Core capital (leverage) ratio | 9.8286% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,302,250 | 4,325 |
| Average earning assets | $66,758,000 | 4,352 |
| Average equity | $7,779,000 | 4,468 |
| Average total loans | $46,438,000 | 4,197 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5965% | 1,650 |
| Cost of funding earning assets | 0.5832% | 3,060 |
| Net interest margin | 4.0133% | 1,284 |
| Noninterest income to average assets | 0.2683% | 3,870 |
| Noninterest expense to average assets | 3.1272% | 1,292 |
| Loan and lease loss provision to assets | 0.0732% | 3,384 |
| Net operating income to assets | 0.4227% | 4,181 |
| Return on assets (ROA) | 0.4227% | 4,243 |
| Pretax return on assets | 0.6856% | 3,900 |
| Return on Equity (ROE) | 4.0260% | 4,098 |
| Retained earnings to average equity (ytd only) | -0.1032% | 4,324 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4519% | 1,009 |
| Assets per employee ($millions) | 4.1431% | 4,164 |
| Cash dividends to net income (ytd only)* | 102.5641% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,002 |
| Loan loss allowance to noncurrent loans | 331.1828% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 3,315 |
| Noncurrent loans to loans | 0.3924% | 2,995 |
| Net loans and leases to total assets | 62.7275% | 3,045 |
| Net loans and leases to deposits | 70.9881% | 3,350 |
| Net loans and leases to core deposits | 72.2043% | 3,581 |
| Total domestic deposits to total assets | 88.3634% | 1,011 |
| Equity capital to assets | 10.4526% | 2,787 |
| Core capital (leverage) ratio | 9.9380% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,804,667 | 4,340 |
| Average earning assets | $66,528,333 | 4,364 |
| Average equity | $7,749,667 | 4,491 |
| Average total loans | $46,875,000 | 4,194 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6809% | 1,772 |
| Cost of funding earning assets | 0.6007% | 3,434 |
| Net interest margin | 4.0802% | 1,177 |
| Noninterest income to average assets | 0.3214% | 3,596 |
| Noninterest expense to average assets | 3.0673% | 1,727 |
| Loan and lease loss provision to assets | 0.0763% | 2,772 |
| Net operating income to assets | 0.5612% | 3,707 |
| Return on assets (ROA) | 0.5612% | 3,773 |
| Pretax return on assets | 0.9153% | 3,095 |
| Return on Equity (ROE) | 5.3320% | 3,530 |
| Retained earnings to average equity (ytd only) | -2.9507% | 4,349 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6913% | 1,859 |
| Assets per employee ($millions) | 4.0242% | 3,884 |
| Cash dividends to net income (ytd only)* | 155.3398% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 1,977 |
| Loan loss allowance to noncurrent loans | 206.5068% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 2,841 |
| Noncurrent loans to loans | 0.6470% | 2,371 |
| Net loans and leases to total assets | 61.4750% | 3,351 |
| Net loans and leases to deposits | 69.7470% | 3,612 |
| Net loans and leases to core deposits | 70.9811% | 3,815 |
| Total domestic deposits to total assets | 88.1399% | 1,047 |
| Equity capital to assets | 10.6563% | 3,188 |
| Core capital (leverage) ratio | 9.8537% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,419,500 | 4,353 |
| Average earning assets | $67,251,500 | 4,366 |
| Average equity | $7,727,000 | 4,520 |
| Average total loans | $46,615,000 | 4,220 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 2,026 |
| Cost of funding earning assets | 0.6323% | 3,499 |
| Net interest margin | 4.1748% | 1,364 |
| Noninterest income to average assets | 0.3604% | 3,542 |
| Noninterest expense to average assets | 2.8273% | 2,510 |
| Loan and lease loss provision to assets | 0.0626% | 2,784 |
| Net operating income to assets | 0.8989% | 3,211 |
| Return on assets (ROA) | 0.8989% | 3,300 |
| Pretax return on assets | 1.2648% | 2,627 |
| Return on Equity (ROE) | 8.8496% | 2,825 |
| Retained earnings to average equity (ytd only) | 7.4797% | 1,178 |
| Net charge-offs to loans | 0.1096% | 1,637 |
| Credit loss provision to net charge-offs | 93.7500% | 2,607 |
| Earnings coverage of net charge-offs (x) | 19.8750% | 1,968 |
| Efficiency ratio | 66.2090% | 2,738 |
| Assets per employee ($millions) | 4.1335% | 3,713 |
| Cash dividends to net income (ytd only)* | 15.4799% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,305 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 3,094 |
| Noncurrent loans to loans | 0.5135% | 2,649 |
| Net loans and leases to total assets | 63.8523% | 3,220 |
| Net loans and leases to deposits | 72.0484% | 3,519 |
| Net loans and leases to core deposits | 73.2820% | 3,776 |
| Total domestic deposits to total assets | 88.6241% | 826 |
| Equity capital to assets | 10.3961% | 3,548 |
| Core capital (leverage) ratio | 9.7714% | 3,761 |
| Tier 1 risk-based capital ratio | 13.1924% | 3,687 |
| Total risk-based capital ratio | 14.2530% | 3,665 |
| Memoranda: | ||
| Average total assets | $71,869,600 | 4,396 |
| Average earning assets | $65,321,000 | 4,416 |
| Average equity | $7,299,800 | 4,603 |
| Average total loans | $43,798,800 | 4,311 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7775% | 2,190 |
| Cost of funding earning assets | 0.6292% | 3,538 |
| Net interest margin | 4.1484% | 1,506 |
| Noninterest income to average assets | 0.3537% | 3,611 |
| Noninterest expense to average assets | 3.0358% | 1,868 |
| Loan and lease loss provision to assets | 0.0599% | 2,697 |
| Net operating income to assets | 0.7000% | 4,016 |
| Return on assets (ROA) | 0.7000% | 4,075 |
| Pretax return on assets | 1.0219% | 3,516 |
| Return on Equity (ROE) | 6.9344% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.0802% | 2,853 |
| Net charge-offs to loans | 0.0187% | 2,750 |
| Credit loss provision to net charge-offs | 533.3333% | 598 |
| Earnings coverage of net charge-offs (x) | 96.3313% | 772 |
| Efficiency ratio | 71.9091% | 1,846 |
| Assets per employee ($millions) | 4.0534% | 3,833 |
| Cash dividends to net income (ytd only)* | 26.7382% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 1,474 |
| Loan loss allowance to noncurrent loans | 127.4227% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6647% | 2,026 |
| Noncurrent loans to loans | 1.1207% | 1,416 |
| Net loans and leases to total assets | 58.4682% | 3,827 |
| Net loans and leases to deposits | 65.9203% | 4,070 |
| Net loans and leases to core deposits | 67.0665% | 4,213 |
| Total domestic deposits to total assets | 88.6953% | 743 |
| Equity capital to assets | 10.2219% | 3,800 |
| Core capital (leverage) ratio | 9.8460% | 3,790 |
| Tier 1 risk-based capital ratio | 13.7891% | 3,427 |
| Total risk-based capital ratio | 14.9994% | 3,359 |
| Memoranda: | ||
| Average total assets | $71,236,250 | 4,464 |
| Average earning assets | $64,634,250 | 4,481 |
| Average equity | $7,191,000 | 4,670 |
| Average total loans | $42,724,250 | 4,398 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 2,275 |
| Cost of funding earning assets | 0.6126% | 3,588 |
| Net interest margin | 4.1187% | 1,558 |
| Noninterest income to average assets | 0.3396% | 3,661 |
| Noninterest expense to average assets | 2.9748% | 2,073 |
| Loan and lease loss provision to assets | 0.0509% | 2,795 |
| Net operating income to assets | 0.7925% | 3,684 |
| Return on assets (ROA) | 0.7925% | 3,743 |
| Pretax return on assets | 1.1010% | 3,229 |
| Return on Equity (ROE) | 7.8851% | 3,333 |
| Retained earnings to average equity (ytd only) | 5.0690% | 2,737 |
| Net charge-offs to loans | 0.0282% | 2,293 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 67.8333% | 917 |
| Efficiency ratio | 70.3018% | 2,174 |
| Assets per employee ($millions) | 3.9316% | 3,963 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 1,506 |
| Loan loss allowance to noncurrent loans | 124.5361% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 2,000 |
| Noncurrent loans to loans | 1.1462% | 1,415 |
| Net loans and leases to total assets | 58.9362% | 3,832 |
| Net loans and leases to deposits | 66.6092% | 4,057 |
| Net loans and leases to core deposits | 67.8069% | 4,217 |
| Total domestic deposits to total assets | 88.4807% | 881 |
| Equity capital to assets | 10.4072% | 3,599 |
| Core capital (leverage) ratio | 9.6534% | 3,976 |
| Tier 1 risk-based capital ratio | 13.9747% | 3,331 |
| Total risk-based capital ratio | 15.1922% | 3,257 |
| Memoranda: | ||
| Average total assets | $70,661,330 | 4,509 |
| Average earning assets | $64,971,670 | 4,510 |
| Average equity | $7,102,000 | 4,712 |
| Average total loans | $42,540,000 | 4,434 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 2,219 |
| Cost of funding earning assets | 0.5993% | 3,579 |
| Net interest margin | 4.1024% | 1,543 |
| Noninterest income to average assets | 0.3059% | 3,831 |
| Noninterest expense to average assets | 3.1158% | 1,700 |
| Loan and lease loss provision to assets | 0.0510% | 2,635 |
| Net operating income to assets | 0.6062% | 4,222 |
| Return on assets (ROA) | 0.6062% | 4,262 |
| Pretax return on assets | 0.9007% | 3,765 |
| Return on Equity (ROE) | 6.1402% | 3,971 |
| Retained earnings to average equity (ytd only) | 0.4017% | 4,457 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9304% | 1,618 |
| Assets per employee ($millions) | 4.1592% | 3,684 |
| Cash dividends to net income (ytd only)* | 93.4579% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 1,509 |
| Loan loss allowance to noncurrent loans | 88.5125% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 1,549 |
| Noncurrent loans to loans | 1.6384% | 962 |
| Net loans and leases to total assets | 54.5535% | 4,165 |
| Net loans and leases to deposits | 60.9646% | 4,363 |
| Net loans and leases to core deposits | 61.9776% | 4,480 |
| Total domestic deposits to total assets | 89.4839% | 649 |
| Equity capital to assets | 9.5437% | 4,220 |
| Core capital (leverage) ratio | 9.0662% | 4,603 |
| Tier 1 risk-based capital ratio | 13.6319% | 3,533 |
| Total risk-based capital ratio | 14.8426% | 3,472 |
| Memoranda: | ||
| Average total assets | $70,608,000 | 4,556 |
| Average earning assets | $64,742,000 | 4,569 |
| Average equity | $6,970,500 | 4,761 |
| Average total loans | $42,654,000 | 4,477 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 2,299 |
| Cost of funding earning assets | 0.4750% | 3,513 |
| Net interest margin | 4.0740% | 1,759 |
| Noninterest income to average assets | 0.3854% | 3,526 |
| Noninterest expense to average assets | 2.7198% | 2,962 |
| Loan and lease loss provision to assets | 0.0569% | 3,032 |
| Net operating income to assets | 0.9189% | 3,369 |
| Return on assets (ROA) | 0.8403% | 3,645 |
| Pretax return on assets | 1.1672% | 3,030 |
| Return on Equity (ROE) | 8.1490% | 3,377 |
| Retained earnings to average equity (ytd only) | 5.6982% | 2,362 |
| Net charge-offs to loans | -0.0536% | 4,996 |
| Credit loss provision to net charge-offs | -163.6364% | 4,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3281% | 2,819 |
| Assets per employee ($millions) | 4.4233% | 3,280 |
| Cash dividends to net income (ytd only)* | 30.0752% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 1,828 |
| Loan loss allowance to noncurrent loans | 81.3187% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.0972% | 1,227 |
| Noncurrent loans to loans | 1.6596% | 878 |
| Net loans and leases to total assets | 65.2193% | 3,234 |
| Net loans and leases to deposits | 73.3229% | 3,558 |
| Net loans and leases to core deposits | 74.7078% | 3,804 |
| Total domestic deposits to total assets | 88.9480% | 884 |
| Equity capital to assets | 10.2427% | 3,429 |
| Core capital (leverage) ratio | 10.9957% | 2,533 |
| Tier 1 risk-based capital ratio | 13.5665% | 3,510 |
| Total risk-based capital ratio | 14.7464% | 3,457 |
| Memoranda: | ||
| Average total assets | $63,313,600 | 4,696 |
| Average earning assets | $56,847,800 | 4,733 |
| Average equity | $6,528,400 | 4,823 |
| Average total loans | $41,020,200 | 4,521 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 2,107 |
| Cost of funding earning assets | 0.4750% | 3,360 |
| Net interest margin | 4.0842% | 1,674 |
| Noninterest income to average assets | 0.3858% | 3,564 |
| Noninterest expense to average assets | 2.8753% | 2,381 |
| Loan and lease loss provision to assets | 0.0575% | 2,830 |
| Net operating income to assets | 0.7881% | 3,946 |
| Return on assets (ROA) | 0.6821% | 4,293 |
| Pretax return on assets | 0.9655% | 3,834 |
| Return on Equity (ROE) | 6.6031% | 4,077 |
| Retained earnings to average equity (ytd only) | 3.3016% | 4,101 |
| Net charge-offs to loans | -0.0794% | 5,093 |
| Credit loss provision to net charge-offs | -112.5000% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3488% | 2,143 |
| Assets per employee ($millions) | 4.1106% | 3,711 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 1,262 |
| Loan loss allowance to noncurrent loans | 87.9699% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.0785% | 1,341 |
| Noncurrent loans to loans | 1.7360% | 894 |
| Net loans and leases to total assets | 61.1784% | 3,730 |
| Net loans and leases to deposits | 69.0512% | 3,986 |
| Net loans and leases to core deposits | 70.4571% | 4,162 |
| Total domestic deposits to total assets | 88.5986% | 1,002 |
| Equity capital to assets | 10.6278% | 3,018 |
| Core capital (leverage) ratio | 10.6626% | 2,924 |
| Tier 1 risk-based capital ratio | 14.5568% | 3,094 |
| Total risk-based capital ratio | 15.8066% | 3,012 |
| Memoranda: | ||
| Average total assets | $62,554,500 | 4,757 |
| Average earning assets | $55,856,000 | 4,805 |
| Average equity | $6,461,500 | 4,886 |
| Average total loans | $40,309,000 | 4,591 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5903% | 1,808 |
| Cost of funding earning assets | 0.4698% | 3,226 |
| Net interest margin | 4.1205% | 1,489 |
| Noninterest income to average assets | 0.3850% | 3,585 |
| Noninterest expense to average assets | 2.8511% | 2,499 |
| Loan and lease loss provision to assets | 0.0573% | 2,764 |
| Net operating income to assets | 0.7828% | 3,916 |
| Return on assets (ROA) | 0.7828% | 3,915 |
| Pretax return on assets | 1.1328% | 3,185 |
| Return on Equity (ROE) | 7.6504% | 3,650 |
| Retained earnings to average equity (ytd only) | 2.6745% | 4,181 |
| Net charge-offs to loans | -0.1074% | 5,186 |
| Credit loss provision to net charge-offs | -81.8182% | 4,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6063% | 2,379 |
| Assets per employee ($millions) | 4.1737% | 3,619 |
| Cash dividends to net income (ytd only)* | 65.0407% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 1,670 |
| Loan loss allowance to noncurrent loans | 114.1153% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.8035% | 1,861 |
| Noncurrent loans to loans | 1.2471% | 1,381 |
| Net loans and leases to total assets | 63.5061% | 3,452 |
| Net loans and leases to deposits | 71.5613% | 3,745 |
| Net loans and leases to core deposits | 72.9157% | 3,951 |
| Total domestic deposits to total assets | 88.7437% | 1,042 |
| Equity capital to assets | 10.3522% | 3,279 |
| Core capital (leverage) ratio | 10.6130% | 2,909 |
| Tier 1 risk-based capital ratio | 14.1797% | 3,275 |
| Total risk-based capital ratio | 15.4217% | 3,192 |
| Memoranda: | ||
| Average total assets | $62,853,000 | 4,805 |
| Average earning assets | $55,770,330 | 4,861 |
| Average equity | $6,431,000 | 4,937 |
| Average total loans | $40,976,330 | 4,610 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 1,338 |
| Cost of funding earning assets | 0.4686% | 3,058 |
| Net interest margin | 4.2174% | 1,144 |
| Noninterest income to average assets | 0.3874% | 3,552 |
| Noninterest expense to average assets | 2.8074% | 2,661 |
| Loan and lease loss provision to assets | 0.0572% | 2,632 |
| Net operating income to assets | 0.8511% | 3,498 |
| Return on assets (ROA) | 0.8511% | 3,515 |
| Pretax return on assets | 1.2385% | 2,604 |
| Return on Equity (ROE) | 8.3672% | 3,209 |
| Retained earnings to average equity (ytd only) | -1.6235% | 4,972 |
| Net charge-offs to loans | -0.0097% | 4,232 |
| Credit loss provision to net charge-offs | -900.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4923% | 2,920 |
| Assets per employee ($millions) | 4.2037% | 3,647 |
| Cash dividends to net income (ytd only)* | 119.4030% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 1,914 |
| Loan loss allowance to noncurrent loans | 97.1429% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.8881% | 1,783 |
| Noncurrent loans to loans | 1.4214% | 1,247 |
| Net loans and leases to total assets | 61.6208% | 3,593 |
| Net loans and leases to deposits | 69.2245% | 3,855 |
| Net loans and leases to core deposits | 70.1975% | 4,072 |
| Total domestic deposits to total assets | 89.0159% | 1,083 |
| Equity capital to assets | 10.0880% | 3,514 |
| Core capital (leverage) ratio | 10.1383% | 3,374 |
| Tier 1 risk-based capital ratio | 13.7574% | 3,515 |
| Total risk-based capital ratio | 14.9230% | 3,466 |
| Memoranda: | ||
| Average total assets | $62,977,000 | 4,869 |
| Average earning assets | $55,485,000 | 4,924 |
| Average equity | $6,406,000 | 4,998 |
| Average total loans | $41,298,500 | 4,655 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 1,720 |
| Cost of funding earning assets | 0.4576% | 2,701 |
| Net interest margin | 4.0368% | 1,636 |
| Noninterest income to average assets | 0.4450% | 3,342 |
| Noninterest expense to average assets | 2.6575% | 3,265 |
| Loan and lease loss provision to assets | 0.3120% | 543 |
| Net operating income to assets | 0.7570% | 3,357 |
| Return on assets (ROA) | 0.7570% | 3,397 |
| Pretax return on assets | 1.0104% | 3,528 |
| Return on Equity (ROE) | 7.7411% | 2,926 |
| Retained earnings to average equity (ytd only) | 6.1217% | 1,470 |
| Net charge-offs to loans | 0.1740% | 1,424 |
| Credit loss provision to net charge-offs | 281.4286% | 998 |
| Earnings coverage of net charge-offs (x) | 11.9286% | 2,521 |
| Efficiency ratio | 66.0167% | 3,259 |
| Assets per employee ($millions) | 4.1933% | 3,666 |
| Cash dividends to net income (ytd only)* | 20.9205% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,560 |
| Loan loss allowance to noncurrent loans | 100.7547% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.8426% | 1,850 |
| Noncurrent loans to loans | 1.2269% | 1,440 |
| Net loans and leases to total assets | 67.8294% | 2,843 |
| Net loans and leases to deposits | 76.2497% | 3,305 |
| Net loans and leases to core deposits | 77.3249% | 3,642 |
| Total domestic deposits to total assets | 88.9569% | 1,022 |
| Equity capital to assets | 10.2561% | 3,426 |
| Core capital (leverage) ratio | 10.1869% | 3,212 |
| Tier 1 risk-based capital ratio | 12.6895% | 4,096 |
| Total risk-based capital ratio | 13.7465% | 4,106 |
| Memoranda: | ||
| Average total assets | $63,141,600 | 4,897 |
| Average earning assets | $55,292,000 | 4,970 |
| Average equity | $6,174,800 | 5,075 |
| Average total loans | $40,234,800 | 4,727 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 1,653 |
| Cost of funding earning assets | 0.4599% | 2,615 |
| Net interest margin | 4.0369% | 1,580 |
| Noninterest income to average assets | 0.4451% | 3,372 |
| Noninterest expense to average assets | 2.7551% | 2,878 |
| Loan and lease loss provision to assets | 0.3966% | 341 |
| Net operating income to assets | 0.4282% | 4,933 |
| Return on assets (ROA) | 0.4282% | 4,964 |
| Pretax return on assets | 0.7932% | 4,369 |
| Return on Equity (ROE) | 4.4329% | 4,735 |
| Retained earnings to average equity (ytd only) | 2.2492% | 4,517 |
| Net charge-offs to loans | 0.2329% | 922 |
| Credit loss provision to net charge-offs | 272.4638% | 1,063 |
| Earnings coverage of net charge-offs (x) | 8.1737% | 2,810 |
| Efficiency ratio | 69.0909% | 2,693 |
| Assets per employee ($millions) | 4.1997% | 3,644 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 1,869 |
| Loan loss allowance to noncurrent loans | 180.1370% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 3,180 |
| Noncurrent loans to loans | 0.7795% | 2,421 |
| Net loans and leases to total assets | 58.6323% | 4,005 |
| Net loans and leases to deposits | 65.9230% | 4,259 |
| Net loans and leases to core deposits | 66.8513% | 4,431 |
| Total domestic deposits to total assets | 88.9406% | 915 |
| Equity capital to assets | 9.9006% | 4,032 |
| Core capital (leverage) ratio | 9.9135% | 3,679 |
| Tier 1 risk-based capital ratio | 13.1823% | 3,889 |
| Total risk-based capital ratio | 14.3216% | 3,867 |
| Memoranda: | ||
| Average total assets | $63,202,250 | 4,952 |
| Average earning assets | $54,792,500 | 5,032 |
| Average equity | $6,105,750 | 5,146 |
| Average total loans | $39,494,000 | 4,793 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4500% | 1,667 |
| Cost of funding earning assets | 0.4529% | 2,573 |
| Net interest margin | 3.9971% | 1,615 |
| Noninterest income to average assets | 0.4583% | 3,302 |
| Noninterest expense to average assets | 2.7185% | 3,020 |
| Loan and lease loss provision to assets | 0.5658% | 198 |
| Net operating income to assets | 0.3161% | 5,183 |
| Return on assets (ROA) | 0.3161% | 5,204 |
| Pretax return on assets | 0.6891% | 4,581 |
| Return on Equity (ROE) | 3.2992% | 5,041 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,071 |
| Net charge-offs to loans | 0.3734% | 549 |
| Credit loss provision to net charge-offs | 238.6667% | 1,116 |
| Earnings coverage of net charge-offs (x) | 5.2933% | 2,835 |
| Efficiency ratio | 67.6213% | 3,076 |
| Assets per employee ($millions) | 4.0201% | 3,924 |
| Cash dividends to net income (ytd only)* | 100.0000% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,585 |
| Loan loss allowance to noncurrent loans | 160.6918% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5638% | 2,884 |
| Noncurrent loans to loans | 0.7888% | 2,433 |
| Net loans and leases to total assets | 66.0094% | 3,108 |
| Net loans and leases to deposits | 74.5719% | 3,487 |
| Net loans and leases to core deposits | 75.6749% | 3,802 |
| Total domestic deposits to total assets | 88.5178% | 1,196 |
| Equity capital to assets | 10.1771% | 3,698 |
| Core capital (leverage) ratio | 9.6800% | 3,920 |
| Tier 1 risk-based capital ratio | 12.6653% | 4,199 |
| Total risk-based capital ratio | 13.7485% | 4,202 |
| Memoranda: | ||
| Average total assets | $63,271,000 | 4,988 |
| Average earning assets | $55,640,670 | 5,054 |
| Average equity | $6,062,000 | 5,181 |
| Average total loans | $40,171,330 | 4,801 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4119% | 1,609 |
| Cost of funding earning assets | 0.4584% | 2,447 |
| Net interest margin | 3.9535% | 1,595 |
| Noninterest income to average assets | 0.4386% | 3,390 |
| Noninterest expense to average assets | 2.6870% | 3,190 |
| Loan and lease loss provision to assets | 0.8339% | 118 |
| Net operating income to assets | 0.0247% | 5,591 |
| Return on assets (ROA) | 0.0247% | 5,599 |
| Pretax return on assets | 0.3274% | 5,274 |
| Return on Equity (ROE) | 0.2656% | 5,589 |
| Retained earnings to average equity (ytd only) | -6.3740% | 5,457 |
| Net charge-offs to loans | 0.1696% | 964 |
| Credit loss provision to net charge-offs | 794.1176% | 397 |
| Earnings coverage of net charge-offs (x) | 11.0588% | 1,908 |
| Efficiency ratio | 69.0209% | 3,044 |
| Assets per employee ($millions) | 4.0215% | 3,975 |
| Cash dividends to net income (ytd only)* | 2,500.0000% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 2,390 |
| Loan loss allowance to noncurrent loans | 98.6842% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8610% | 2,152 |
| Noncurrent loans to loans | 1.3480% | 1,499 |
| Net loans and leases to total assets | 60.5185% | 3,730 |
| Net loans and leases to deposits | 67.5186% | 4,037 |
| Net loans and leases to core deposits | 70.6100% | 4,100 |
| Total domestic deposits to total assets | 89.6323% | 840 |
| Equity capital to assets | 9.3264% | 4,475 |
| Core capital (leverage) ratio | 9.2548% | 4,409 |
| Tier 1 risk-based capital ratio | 12.4423% | 4,419 |
| Total risk-based capital ratio | 13.5480% | 4,413 |
| Memoranda: | ||
| Average total assets | $64,755,500 | 5,013 |
| Average earning assets | $55,849,500 | 5,108 |
| Average equity | $6,024,500 | 5,234 |
| Average total loans | $40,099,000 | 4,846 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 1,794 |
| Cost of funding earning assets | 0.4378% | 2,631 |
| Net interest margin | 3.9711% | 1,726 |
| Noninterest income to average assets | 0.3865% | 3,988 |
| Noninterest expense to average assets | 2.7803% | 3,091 |
| Loan and lease loss provision to assets | 0.3274% | 548 |
| Net operating income to assets | 0.4088% | 4,911 |
| Return on assets (ROA) | 0.4088% | 4,991 |
| Pretax return on assets | 0.7697% | 4,271 |
| Return on Equity (ROE) | 4.2145% | 4,765 |
| Retained earnings to average equity (ytd only) | 2.5682% | 4,057 |
| Net charge-offs to loans | 0.3675% | 739 |
| Credit loss provision to net charge-offs | 143.3566% | 1,913 |
| Earnings coverage of net charge-offs (x) | 4.8042% | 3,445 |
| Efficiency ratio | 70.9226% | 2,762 |
| Assets per employee ($millions) | 3.8334% | 4,244 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 4,339 |
| Loan loss allowance to noncurrent loans | 83.0612% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.7857% | 2,387 |
| Noncurrent loans to loans | 1.2030% | 1,714 |
| Net loans and leases to total assets | 61.8810% | 3,625 |
| Net loans and leases to deposits | 71.3015% | 3,779 |
| Net loans and leases to core deposits | 72.6241% | 4,043 |
| Total domestic deposits to total assets | 86.7878% | 2,249 |
| Equity capital to assets | 9.2808% | 4,495 |
| Core capital (leverage) ratio | 9.6181% | 3,942 |
| Tier 1 risk-based capital ratio | 12.2951% | 4,509 |
| Total risk-based capital ratio | 13.1238% | 4,700 |
| Memoranda: | ||
| Average total assets | $62,619,800 | 5,080 |
| Average earning assets | $55,048,200 | 5,145 |
| Average equity | $6,074,200 | 5,266 |
| Average total loans | $38,908,000 | 4,915 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4296% | 1,761 |
| Cost of funding earning assets | 0.4381% | 2,658 |
| Net interest margin | 3.9916% | 1,685 |
| Noninterest income to average assets | 0.3635% | 4,179 |
| Noninterest expense to average assets | 2.9168% | 2,588 |
| Loan and lease loss provision to assets | 0.0667% | 2,889 |
| Net operating income to assets | 0.5550% | 4,475 |
| Return on assets (ROA) | 0.5550% | 4,585 |
| Pretax return on assets | 0.8884% | 4,020 |
| Return on Equity (ROE) | 5.6570% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.4644% | 3,821 |
| Net charge-offs to loans | 0.0798% | 2,183 |
| Credit loss provision to net charge-offs | 134.7826% | 1,928 |
| Earnings coverage of net charge-offs (x) | 19.3019% | 1,942 |
| Efficiency ratio | 74.5556% | 2,178 |
| Assets per employee ($millions) | 3.5910% | 4,655 |
| Cash dividends to net income (ytd only)* | 38.7598% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 4,736 |
| Loan loss allowance to noncurrent loans | 53.9755% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.1008% | 1,847 |
| Noncurrent loans to loans | 1.7303% | 1,205 |
| Net loans and leases to total assets | 61.3347% | 3,705 |
| Net loans and leases to deposits | 69.0512% | 4,058 |
| Net loans and leases to core deposits | 70.3829% | 4,293 |
| Total domestic deposits to total assets | 88.8250% | 998 |
| Equity capital to assets | 10.1446% | 3,990 |
| Core capital (leverage) ratio | 9.7680% | 3,850 |
| Tier 1 risk-based capital ratio | 12.8695% | 4,242 |
| Total risk-based capital ratio | 13.6368% | 4,443 |
| Memoranda: | ||
| Average total assets | $61,983,000 | 5,143 |
| Average earning assets | $54,480,250 | 5,203 |
| Average equity | $6,080,750 | 5,320 |
| Average total loans | $38,451,750 | 4,980 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 1,708 |
| Cost of funding earning assets | 0.4374% | 2,678 |
| Net interest margin | 4.0029% | 1,636 |
| Noninterest income to average assets | 0.3371% | 4,371 |
| Noninterest expense to average assets | 2.8349% | 2,892 |
| Loan and lease loss provision to assets | 0.0706% | 2,723 |
| Net operating income to assets | 0.5843% | 4,334 |
| Return on assets (ROA) | 0.5843% | 4,460 |
| Pretax return on assets | 0.9278% | 3,843 |
| Return on Equity (ROE) | 6.0232% | 4,038 |
| Retained earnings to average equity (ytd only) | 2.7137% | 4,179 |
| Net charge-offs to loans | 0.0672% | 2,231 |
| Credit loss provision to net charge-offs | 169.2308% | 1,459 |
| Earnings coverage of net charge-offs (x) | 23.9231% | 1,571 |
| Efficiency ratio | 73.1993% | 2,480 |
| Assets per employee ($millions) | 3.5221% | 4,717 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 4,839 |
| Loan loss allowance to noncurrent loans | 79.3722% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 0.7449% | 2,741 |
| Noncurrent loans to loans | 1.1733% | 1,957 |
| Net loans and leases to total assets | 62.8916% | 3,518 |
| Net loans and leases to deposits | 70.9746% | 3,890 |
| Net loans and leases to core deposits | 72.3728% | 4,139 |
| Total domestic deposits to total assets | 88.6115% | 1,110 |
| Equity capital to assets | 10.2395% | 3,924 |
| Core capital (leverage) ratio | 9.5480% | 4,139 |
| Tier 1 risk-based capital ratio | 12.7730% | 4,331 |
| Total risk-based capital ratio | 13.5491% | 4,568 |
| Memoranda: | ||
| Average total assets | $62,295,000 | 5,195 |
| Average earning assets | $54,410,330 | 5,263 |
| Average equity | $6,043,330 | 5,380 |
| Average total loans | $38,670,330 | 5,021 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4533% | 1,646 |
| Cost of funding earning assets | 0.4343% | 2,730 |
| Net interest margin | 4.0190% | 1,558 |
| Noninterest income to average assets | 0.3275% | 4,388 |
| Noninterest expense to average assets | 2.7715% | 3,180 |
| Loan and lease loss provision to assets | 0.0567% | 2,810 |
| Net operating income to assets | 0.5732% | 4,298 |
| Return on assets (ROA) | 0.5732% | 4,413 |
| Pretax return on assets | 0.9385% | 3,698 |
| Return on Equity (ROE) | 6.0672% | 3,955 |
| Retained earnings to average equity (ytd only) | -0.6001% | 5,219 |
| Net charge-offs to loans | 2.7897% | 44 |
| Credit loss provision to net charge-offs | 3.3088% | 2,410 |
| Earnings coverage of net charge-offs (x) | 0.5809% | 2,912 |
| Efficiency ratio | 72.7425% | 2,692 |
| Assets per employee ($millions) | 3.6935% | 4,482 |
| Cash dividends to net income (ytd only)* | 109.8901% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 5,020 |
| Loan loss allowance to noncurrent loans | 72.4576% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 2,824 |
| Noncurrent loans to loans | 1.2580% | 1,925 |
| Net loans and leases to total assets | 59.2101% | 3,889 |
| Net loans and leases to deposits | 66.2355% | 4,231 |
| Net loans and leases to core deposits | 67.4676% | 4,437 |
| Total domestic deposits to total assets | 89.3932% | 890 |
| Equity capital to assets | 9.5748% | 4,592 |
| Core capital (leverage) ratio | 8.9625% | 4,907 |
| Tier 1 risk-based capital ratio | 12.5917% | 4,524 |
| Total risk-based capital ratio | 13.3402% | 4,763 |
| Memoranda: | ||
| Average total assets | $63,504,500 | 5,207 |
| Average earning assets | $54,342,000 | 5,309 |
| Average equity | $5,999,500 | 5,423 |
| Average total loans | $39,000,000 | 5,048 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 1,912 |
| Cost of funding earning assets | 0.4485% | 2,638 |
| Net interest margin | 3.9486% | 1,877 |
| Noninterest income to average assets | 0.3895% | 4,113 |
| Noninterest expense to average assets | 2.6778% | 3,660 |
| Loan and lease loss provision to assets | 0.2372% | 814 |
| Net operating income to assets | 0.5672% | 4,434 |
| Return on assets (ROA) | 0.5481% | 4,603 |
| Pretax return on assets | 0.8874% | 3,895 |
| Return on Equity (ROE) | 5.9738% | 4,045 |
| Retained earnings to average equity (ytd only) | 4.2621% | 2,946 |
| Net charge-offs to loans | -0.0591% | 5,603 |
| Credit loss provision to net charge-offs | -656.5217% | 5,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0984% | 3,381 |
| Assets per employee ($millions) | 3.7776% | 4,326 |
| Cash dividends to net income (ytd only)* | 28.6533% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 1,949 |
| Loan loss allowance to noncurrent loans | 84.6154% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.1336% | 1,933 |
| Noncurrent loans to loans | 1.7865% | 1,237 |
| Net loans and leases to total assets | 62.4971% | 3,490 |
| Net loans and leases to deposits | 69.5810% | 3,963 |
| Net loans and leases to core deposits | 70.8386% | 4,229 |
| Total domestic deposits to total assets | 89.8192% | 705 |
| Equity capital to assets | 9.3228% | 4,761 |
| Core capital (leverage) ratio | 8.9568% | 4,929 |
| Tier 1 risk-based capital ratio | 11.9051% | 5,015 |
| Total risk-based capital ratio | 13.1561% | 4,918 |
| Memoranda: | ||
| Average total assets | $63,671,000 | 5,230 |
| Average earning assets | $55,513,800 | 5,307 |
| Average equity | $5,842,200 | 5,473 |
| Average total loans | $38,946,600 | 5,053 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 1,950 |
| Cost of funding earning assets | 0.4504% | 2,680 |
| Net interest margin | 3.9402% | 1,896 |
| Noninterest income to average assets | 0.3568% | 4,391 |
| Noninterest expense to average assets | 2.7848% | 3,253 |
| Loan and lease loss provision to assets | 0.1091% | 2,064 |
| Net operating income to assets | 0.5774% | 4,492 |
| Return on assets (ROA) | 0.5519% | 4,681 |
| Pretax return on assets | 0.8562% | 4,151 |
| Return on Equity (ROE) | 6.0396% | 4,130 |
| Retained earnings to average equity (ytd only) | 3.7432% | 3,811 |
| Net charge-offs to loans | -0.0762% | 5,687 |
| Credit loss provision to net charge-offs | -236.3636% | 5,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7021% | 2,766 |
| Assets per employee ($millions) | 3.7271% | 4,397 |
| Cash dividends to net income (ytd only)* | 38.0226% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 2,643 |
| Loan loss allowance to noncurrent loans | 60.2100% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.3873% | 1,658 |
| Noncurrent loans to loans | 2.3110% | 923 |
| Net loans and leases to total assets | 57.7131% | 4,176 |
| Net loans and leases to deposits | 64.3343% | 4,527 |
| Net loans and leases to core deposits | 67.3239% | 4,603 |
| Total domestic deposits to total assets | 89.7080% | 689 |
| Equity capital to assets | 9.3340% | 4,962 |
| Core capital (leverage) ratio | 9.1756% | 4,767 |
| Tier 1 risk-based capital ratio | 12.3547% | 4,856 |
| Total risk-based capital ratio | 13.4760% | 4,845 |
| Memoranda: | ||
| Average total assets | $63,534,000 | 5,295 |
| Average earning assets | $55,359,000 | 5,376 |
| Average equity | $5,806,000 | 5,550 |
| Average total loans | $38,495,500 | 5,122 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4153% | 1,804 |
| Cost of funding earning assets | 0.4469% | 2,766 |
| Net interest margin | 3.9684% | 1,740 |
| Noninterest income to average assets | 0.3460% | 4,483 |
| Noninterest expense to average assets | 2.7519% | 3,403 |
| Loan and lease loss provision to assets | 0.0566% | 2,969 |
| Net operating income to assets | 0.6730% | 4,017 |
| Return on assets (ROA) | 0.6322% | 4,322 |
| Pretax return on assets | 0.9655% | 3,718 |
| Return on Equity (ROE) | 6.9671% | 3,631 |
| Retained earnings to average equity (ytd only) | 3.5009% | 3,811 |
| Net charge-offs to loans | -0.1129% | 5,831 |
| Credit loss provision to net charge-offs | -81.8182% | 4,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9836% | 3,156 |
| Assets per employee ($millions) | 3.7199% | 4,381 |
| Cash dividends to net income (ytd only)* | 49.7512% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 3,427 |
| Loan loss allowance to noncurrent loans | 154.9839% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5266% | 3,857 |
| Noncurrent loans to loans | 0.8161% | 3,082 |
| Net loans and leases to total assets | 59.4990% | 3,907 |
| Net loans and leases to deposits | 66.3153% | 4,309 |
| Net loans and leases to core deposits | 67.5330% | 4,530 |
| Total domestic deposits to total assets | 89.7214% | 776 |
| Equity capital to assets | 9.2081% | 5,006 |
| Core capital (leverage) ratio | 8.9319% | 5,047 |
| Tier 1 risk-based capital ratio | 12.6050% | 4,740 |
| Total risk-based capital ratio | 13.6819% | 4,771 |
| Memoranda: | ||
| Average total assets | $63,592,000 | 5,357 |
| Average earning assets | $55,942,330 | 5,413 |
| Average equity | $5,770,000 | 5,614 |
| Average total loans | $38,966,330 | 5,145 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3933% | 1,791 |
| Cost of funding earning assets | 0.4535% | 2,737 |
| Net interest margin | 3.9398% | 1,745 |
| Noninterest income to average assets | 0.3387% | 4,487 |
| Noninterest expense to average assets | 2.7976% | 3,259 |
| Loan and lease loss provision to assets | 0.0565% | 2,806 |
| Net operating income to assets | 0.6774% | 3,910 |
| Return on assets (ROA) | 0.6774% | 4,032 |
| Pretax return on assets | 0.9723% | 3,596 |
| Return on Equity (ROE) | 7.5215% | 3,208 |
| Retained earnings to average equity (ytd only) | 0.5572% | 5,207 |
| Net charge-offs to loans | -0.2234% | 6,081 |
| Credit loss provision to net charge-offs | -40.9091% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2951% | 3,121 |
| Assets per employee ($millions) | 3.6929% | 4,528 |
| Cash dividends to net income (ytd only)* | 92.5926% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 3,256 |
| Loan loss allowance to noncurrent loans | 165.9649% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 4,070 |
| Noncurrent loans to loans | 0.8001% | 3,241 |
| Net loans and leases to total assets | 55.9837% | 4,202 |
| Net loans and leases to deposits | 62.3742% | 4,535 |
| Net loans and leases to core deposits | 65.2932% | 4,589 |
| Total domestic deposits to total assets | 89.7545% | 870 |
| Equity capital to assets | 9.1814% | 5,113 |
| Core capital (leverage) ratio | 8.6313% | 5,393 |
| Tier 1 risk-based capital ratio | 12.6830% | 4,792 |
| Total risk-based capital ratio | 13.7753% | 4,799 |
| Memoranda: | ||
| Average total assets | $63,769,000 | 5,402 |
| Average earning assets | $56,449,500 | 5,458 |
| Average equity | $5,743,500 | 5,667 |
| Average total loans | $39,395,500 | 5,159 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 2,613 |
| Cost of funding earning assets | 0.4654% | 3,018 |
| Net interest margin | 3.8329% | 2,502 |
| Noninterest income to average assets | 0.3744% | 4,389 |
| Noninterest expense to average assets | 2.7314% | 3,746 |
| Loan and lease loss provision to assets | 0.0964% | 2,543 |
| Net operating income to assets | 0.5976% | 4,380 |
| Return on assets (ROA) | 0.6130% | 4,412 |
| Pretax return on assets | 0.9400% | 3,738 |
| Return on Equity (ROE) | 7.0074% | 3,630 |
| Retained earnings to average equity (ytd only) | 5.3820% | 2,348 |
| Net charge-offs to loans | 0.1690% | 2,342 |
| Credit loss provision to net charge-offs | 95.3125% | 2,529 |
| Earnings coverage of net charge-offs (x) | 10.0156% | 2,668 |
| Efficiency ratio | 72.1519% | 3,180 |
| Assets per employee ($millions) | 3.8094% | 4,325 |
| Cash dividends to net income (ytd only)* | 23.1959% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 4,933 |
| Loan loss allowance to noncurrent loans | 146.3576% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 4,133 |
| Noncurrent loans to loans | 0.6995% | 3,587 |
| Net loans and leases to total assets | 65.9831% | 2,886 |
| Net loans and leases to deposits | 77.0437% | 3,081 |
| Net loans and leases to core deposits | 78.4858% | 3,467 |
| Total domestic deposits to total assets | 85.6437% | 3,012 |
| Equity capital to assets | 8.8374% | 5,441 |
| Core capital (leverage) ratio | 8.7495% | 5,293 |
| Tier 1 risk-based capital ratio | 11.5264% | 5,647 |
| Total risk-based capital ratio | 12.4499% | 5,750 |
| Memoranda: | ||
| Average total assets | $63,299,800 | 5,468 |
| Average earning assets | $55,650,400 | 5,527 |
| Average equity | $5,537,000 | 5,733 |
| Average total loans | $37,868,800 | 5,260 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 2,392 |
| Cost of funding earning assets | 0.4759% | 2,993 |
| Net interest margin | 3.8829% | 2,312 |
| Noninterest income to average assets | 0.3474% | 4,661 |
| Noninterest expense to average assets | 2.8515% | 3,280 |
| Loan and lease loss provision to assets | 0.0678% | 2,986 |
| Net operating income to assets | 0.5113% | 4,832 |
| Return on assets (ROA) | 0.5127% | 4,891 |
| Pretax return on assets | 0.7839% | 4,420 |
| Return on Equity (ROE) | 5.8767% | 4,292 |
| Retained earnings to average equity (ytd only) | 3.6911% | 4,012 |
| Net charge-offs to loans | 0.2371% | 1,624 |
| Credit loss provision to net charge-offs | 49.2308% | 3,112 |
| Earnings coverage of net charge-offs (x) | 6.1695% | 3,132 |
| Efficiency ratio | 76.2450% | 2,455 |
| Assets per employee ($millions) | 3.6434% | 4,586 |
| Cash dividends to net income (ytd only)* | 37.1909% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 4,296 |
| Loan loss allowance to noncurrent loans | 118.7320% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6216% | 3,968 |
| Noncurrent loans to loans | 1.0003% | 3,069 |
| Net loans and leases to total assets | 55.3433% | 4,415 |
| Net loans and leases to deposits | 61.4158% | 4,803 |
| Net loans and leases to core deposits | 62.5568% | 4,999 |
| Total domestic deposits to total assets | 90.1125% | 678 |
| Equity capital to assets | 9.0124% | 5,340 |
| Core capital (leverage) ratio | 8.6006% | 5,551 |
| Tier 1 risk-based capital ratio | 13.2008% | 4,725 |
| Total risk-based capital ratio | 14.2144% | 4,804 |
| Memoranda: | ||
| Average total assets | $62,935,000 | 5,537 |
| Average earning assets | $54,357,000 | 5,630 |
| Average equity | $5,490,500 | 5,804 |
| Average total loans | $36,543,000 | 5,361 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3069% | 2,559 |
| Cost of funding earning assets | 0.4757% | 3,059 |
| Net interest margin | 3.8311% | 2,443 |
| Noninterest income to average assets | 0.3414% | 4,688 |
| Noninterest expense to average assets | 2.7534% | 3,691 |
| Loan and lease loss provision to assets | 0.0569% | 3,157 |
| Net operating income to assets | 0.5890% | 4,412 |
| Return on assets (ROA) | 0.5911% | 4,492 |
| Pretax return on assets | 0.8693% | 4,001 |
| Return on Equity (ROE) | 6.8498% | 3,696 |
| Retained earnings to average equity (ytd only) | 3.5531% | 3,936 |
| Net charge-offs to loans | -0.0161% | 5,468 |
| Credit loss provision to net charge-offs | -600.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0327% | 2,973 |
| Assets per employee ($millions) | 3.6049% | 4,649 |
| Cash dividends to net income (ytd only)* | 48.1283% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 3,914 |
| Loan loss allowance to noncurrent loans | 102.6432% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.8045% | 3,553 |
| Noncurrent loans to loans | 1.2550% | 2,715 |
| Net loans and leases to total assets | 58.2697% | 3,958 |
| Net loans and leases to deposits | 64.9037% | 4,386 |
| Net loans and leases to core deposits | 66.1272% | 4,626 |
| Total domestic deposits to total assets | 89.7787% | 917 |
| Equity capital to assets | 9.0399% | 5,258 |
| Core capital (leverage) ratio | 8.5213% | 5,614 |
| Tier 1 risk-based capital ratio | 12.7784% | 5,050 |
| Total risk-based capital ratio | 13.9005% | 5,061 |
| Memoranda: | ||
| Average total assets | $63,267,670 | 5,580 |
| Average earning assets | $55,075,000 | 5,658 |
| Average equity | $5,460,000 | 5,844 |
| Average total loans | $37,160,670 | 5,368 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2754% | 2,610 |
| Cost of funding earning assets | 0.4735% | 3,192 |
| Net interest margin | 3.8020% | 2,467 |
| Noninterest income to average assets | 0.3486% | 4,586 |
| Noninterest expense to average assets | 2.6766% | 4,013 |
| Loan and lease loss provision to assets | 0.0560% | 2,993 |
| Net operating income to assets | 0.6412% | 3,992 |
| Return on assets (ROA) | 0.6412% | 4,082 |
| Pretax return on assets | 0.9150% | 3,646 |
| Return on Equity (ROE) | 7.6015% | 3,148 |
| Retained earnings to average equity (ytd only) | 0.9594% | 5,212 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5256% | 3,392 |
| Assets per employee ($millions) | 3.8084% | 4,303 |
| Cash dividends to net income (ytd only)* | 87.3786% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 4,314 |
| Loan loss allowance to noncurrent loans | 185.3061% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 4,816 |
| Noncurrent loans to loans | 0.6820% | 4,161 |
| Net loans and leases to total assets | 54.7898% | 4,308 |
| Net loans and leases to deposits | 60.4746% | 4,714 |
| Net loans and leases to core deposits | 62.5234% | 4,825 |
| Total domestic deposits to total assets | 90.5996% | 741 |
| Equity capital to assets | 8.4010% | 5,745 |
| Core capital (leverage) ratio | 8.1042% | 6,036 |
| Tier 1 risk-based capital ratio | 12.4250% | 5,355 |
| Total risk-based capital ratio | 13.5060% | 5,404 |
| Memoranda: | ||
| Average total assets | $64,259,500 | 5,620 |
| Average earning assets | $55,760,500 | 5,677 |
| Average equity | $5,420,000 | 5,892 |
| Average total loans | $37,653,000 | 5,402 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 2,732 |
| Cost of funding earning assets | 0.5277% | 3,312 |
| Net interest margin | 3.8325% | 2,530 |
| Noninterest income to average assets | 0.3552% | 4,765 |
| Noninterest expense to average assets | 2.6142% | 4,410 |
| Loan and lease loss provision to assets | 0.2198% | 1,662 |
| Net operating income to assets | 0.5560% | 4,475 |
| Return on assets (ROA) | 0.5560% | 4,605 |
| Pretax return on assets | 0.8300% | 4,032 |
| Return on Equity (ROE) | 6.6086% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.6086% | 1,618 |
| Net charge-offs to loans | 0.4898% | 1,359 |
| Credit loss provision to net charge-offs | 77.5281% | 3,107 |
| Earnings coverage of net charge-offs (x) | 3.7022% | 3,775 |
| Efficiency ratio | 70.5217% | 3,748 |
| Assets per employee ($millions) | 3.7516% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 4,997 |
| Loan loss allowance to noncurrent loans | 183.8843% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 4,913 |
| Noncurrent loans to loans | 0.6145% | 4,443 |
| Net loans and leases to total assets | 61.0487% | 3,529 |
| Net loans and leases to deposits | 67.9186% | 4,068 |
| Net loans and leases to core deposits | 71.4574% | 4,134 |
| Total domestic deposits to total assets | 89.8851% | 1,139 |
| Equity capital to assets | 8.4686% | 5,617 |
| Core capital (leverage) ratio | 8.3159% | 5,855 |
| Tier 1 risk-based capital ratio | 11.6522% | 5,822 |
| Total risk-based capital ratio | 12.6496% | 5,900 |
| Memoranda: | ||
| Average total assets | $62,773,400 | 5,683 |
| Average earning assets | $54,194,600 | 5,757 |
| Average equity | $5,281,000 | 5,997 |
| Average total loans | $36,341,800 | 5,484 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 2,588 |
| Cost of funding earning assets | 0.5404% | 3,357 |
| Net interest margin | 3.8626% | 2,409 |
| Noninterest income to average assets | 0.3348% | 5,015 |
| Noninterest expense to average assets | 2.6720% | 4,125 |
| Loan and lease loss provision to assets | 0.2751% | 1,269 |
| Net operating income to assets | 0.4585% | 4,985 |
| Return on assets (ROA) | 0.4585% | 5,131 |
| Pretax return on assets | 0.6803% | 4,749 |
| Return on Equity (ROE) | 5.4592% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.4592% | 2,749 |
| Net charge-offs to loans | 0.5508% | 1,155 |
| Credit loss provision to net charge-offs | 87.7551% | 2,674 |
| Earnings coverage of net charge-offs (x) | 3.0476% | 3,823 |
| Efficiency ratio | 72.8395% | 3,253 |
| Assets per employee ($millions) | 3.7437% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 4,267 |
| Loan loss allowance to noncurrent loans | 107.1101% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 4,296 |
| Noncurrent loans to loans | 1.2374% | 3,338 |
| Net loans and leases to total assets | 54.6313% | 4,511 |
| Net loans and leases to deposits | 60.0314% | 4,967 |
| Net loans and leases to core deposits | 62.8371% | 5,030 |
| Total domestic deposits to total assets | 91.0045% | 530 |
| Equity capital to assets | 8.3104% | 5,908 |
| Core capital (leverage) ratio | 8.2773% | 5,993 |
| Tier 1 risk-based capital ratio | 12.2246% | 5,624 |
| Total risk-based capital ratio | 13.3527% | 5,651 |
| Memoranda: | ||
| Average total assets | $62,522,500 | 5,752 |
| Average earning assets | $53,296,750 | 5,850 |
| Average equity | $5,251,000 | 6,074 |
| Average total loans | $35,582,250 | 5,561 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3634% | 2,702 |
| Cost of funding earning assets | 0.5492% | 3,424 |
| Net interest margin | 3.8142% | 2,497 |
| Noninterest income to average assets | 0.3250% | 5,102 |
| Noninterest expense to average assets | 2.6292% | 4,284 |
| Loan and lease loss provision to assets | 0.2253% | 1,680 |
| Net operating income to assets | 0.5149% | 4,736 |
| Return on assets (ROA) | 0.5149% | 4,907 |
| Pretax return on assets | 0.7337% | 4,560 |
| Return on Equity (ROE) | 6.1088% | 4,106 |
| Retained earnings to average equity (ytd only) | 6.1088% | 2,369 |
| Net charge-offs to loans | 0.5491% | 1,199 |
| Credit loss provision to net charge-offs | 71.4286% | 2,789 |
| Earnings coverage of net charge-offs (x) | 3.0408% | 3,517 |
| Efficiency ratio | 72.4664% | 3,390 |
| Assets per employee ($millions) | 3.3920% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 4,668 |
| Loan loss allowance to noncurrent loans | 92.8862% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 4,121 |
| Noncurrent loans to loans | 1.3624% | 3,281 |
| Net loans and leases to total assets | 58.4005% | 3,926 |
| Net loans and leases to deposits | 64.3210% | 4,459 |
| Net loans and leases to core deposits | 67.4632% | 4,553 |
| Total domestic deposits to total assets | 90.7953% | 627 |
| Equity capital to assets | 8.5528% | 5,716 |
| Core capital (leverage) ratio | 8.1362% | 6,071 |
| Tier 1 risk-based capital ratio | 12.0931% | 5,739 |
| Total risk-based capital ratio | 13.1982% | 5,772 |
| Memoranda: | ||
| Average total assets | $62,149,000 | 5,801 |
| Average earning assets | $53,169,330 | 5,889 |
| Average equity | $5,238,330 | 6,116 |
| Average total loans | $35,697,670 | 5,588 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 3,080 |
| Cost of funding earning assets | 0.5677% | 3,397 |
| Net interest margin | 3.6864% | 2,908 |
| Noninterest income to average assets | 0.3062% | 5,244 |
| Noninterest expense to average assets | 2.6350% | 4,296 |
| Loan and lease loss provision to assets | 0.0574% | 3,674 |
| Net operating income to assets | 0.5359% | 4,515 |
| Return on assets (ROA) | 0.5359% | 4,658 |
| Pretax return on assets | 0.7209% | 4,483 |
| Return on Equity (ROE) | 6.4043% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.4043% | 2,454 |
| Net charge-offs to loans | 0.7777% | 786 |
| Credit loss provision to net charge-offs | 13.0435% | 3,115 |
| Earnings coverage of net charge-offs (x) | 1.7681% | 3,245 |
| Efficiency ratio | 76.2617% | 2,881 |
| Assets per employee ($millions) | 3.5362% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 4,818 |
| Loan loss allowance to noncurrent loans | 145.0512% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.5012% | 5,129 |
| Noncurrent loans to loans | 0.8795% | 4,376 |
| Net loans and leases to total assets | 51.6708% | 4,749 |
| Net loans and leases to deposits | 56.8257% | 5,155 |
| Net loans and leases to core deposits | 59.4695% | 5,197 |
| Total domestic deposits to total assets | 90.9287% | 553 |
| Equity capital to assets | 8.3031% | 6,186 |
| Core capital (leverage) ratio | 7.8182% | 6,271 |
| Tier 1 risk-based capital ratio | 12.4677% | 5,599 |
| Total risk-based capital ratio | 13.5436% | 5,678 |
| Memoranda: | ||
| Average total assets | $62,695,500 | 5,843 |
| Average earning assets | $52,843,000 | 5,953 |
| Average equity | $5,246,500 | 6,173 |
| Average total loans | $35,489,500 | 5,642 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7163% | 2,532 |
| Cost of funding earning assets | 0.6932% | 3,547 |
| Net interest margin | 4.0231% | 2,303 |
| Noninterest income to average assets | 0.3419% | 5,016 |
| Noninterest expense to average assets | 2.6722% | 4,501 |
| Loan and lease loss provision to assets | 1.6416% | 174 |
| Net operating income to assets | -0.1272% | 6,310 |
| Return on assets (ROA) | -0.1272% | 6,403 |
| Pretax return on assets | -0.5120% | 6,578 |
| Return on Equity (ROE) | -1.4969% | 6,423 |
| Retained earnings to average equity (ytd only) | -1.4969% | 6,091 |
| Net charge-offs to loans | 3.0456% | 159 |
| Credit loss provision to net charge-offs | 89.7112% | 3,484 |
| Earnings coverage of net charge-offs (x) | 0.6173% | 5,177 |
| Efficiency ratio | 69.4613% | 3,903 |
| Assets per employee ($millions) | 3.4300% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 4,701 |
| Loan loss allowance to noncurrent loans | 95.4724% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.8649% | 4,317 |
| Noncurrent loans to loans | 1.3487% | 3,581 |
| Net loans and leases to total assets | 60.2203% | 3,565 |
| Net loans and leases to deposits | 66.2639% | 4,245 |
| Net loans and leases to core deposits | 71.8746% | 4,057 |
| Total domestic deposits to total assets | 90.8795% | 536 |
| Equity capital to assets | 8.4354% | 6,098 |
| Core capital (leverage) ratio | 7.8213% | 6,330 |
| Tier 1 risk-based capital ratio | 11.3284% | 6,199 |
| Total risk-based capital ratio | 12.4643% | 6,230 |
| Memoranda: | ||
| Average total assets | $60,549,800 | 5,911 |
| Average earning assets | $52,074,400 | 5,979 |
| Average equity | $5,144,000 | 6,259 |
| Average total loans | $36,380,200 | 5,665 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7275% | 2,679 |
| Cost of funding earning assets | 0.7204% | 3,590 |
| Net interest margin | 4.0071% | 2,476 |
| Noninterest income to average assets | 0.3297% | 5,159 |
| Noninterest expense to average assets | 2.7439% | 4,199 |
| Loan and lease loss provision to assets | 1.9163% | 137 |
| Net operating income to assets | -0.2722% | 6,553 |
| Return on assets (ROA) | -0.2722% | 6,618 |
| Pretax return on assets | -0.8962% | 6,833 |
| Return on Equity (ROE) | -3.1981% | 6,633 |
| Retained earnings to average equity (ytd only) | -3.1981% | 6,494 |
| Net charge-offs to loans | 1.8821% | 404 |
| Credit loss provision to net charge-offs | 170.1375% | 1,634 |
| Earnings coverage of net charge-offs (x) | 0.9057% | 4,876 |
| Efficiency ratio | 72.0752% | 3,314 |
| Assets per employee ($millions) | 3.4067% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6204% | 1,062 |
| Loan loss allowance to noncurrent loans | 88.8476% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.7987% | 2,914 |
| Noncurrent loans to loans | 2.9493% | 1,896 |
| Net loans and leases to total assets | 57.9361% | 4,147 |
| Net loans and leases to deposits | 64.0911% | 4,704 |
| Net loans and leases to core deposits | 68.2818% | 4,700 |
| Total domestic deposits to total assets | 90.3964% | 633 |
| Equity capital to assets | 8.4376% | 6,317 |
| Core capital (leverage) ratio | 7.8455% | 6,441 |
| Tier 1 risk-based capital ratio | 11.4672% | 6,245 |
| Total risk-based capital ratio | 12.7293% | 6,208 |
| Memoranda: | ||
| Average total assets | $60,252,250 | 5,984 |
| Average earning assets | $51,640,000 | 6,061 |
| Average equity | $5,128,000 | 6,328 |
| Average total loans | $36,059,000 | 5,751 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7435% | 2,743 |
| Cost of funding earning assets | 0.7357% | 3,717 |
| Net interest margin | 4.0077% | 2,472 |
| Noninterest income to average assets | 0.3272% | 5,213 |
| Noninterest expense to average assets | 2.7548% | 4,202 |
| Loan and lease loss provision to assets | 2.2472% | 106 |
| Net operating income to assets | -0.4274% | 6,700 |
| Return on assets (ROA) | -0.4274% | 6,744 |
| Pretax return on assets | -1.2188% | 6,946 |
| Return on Equity (ROE) | -5.0072% | 6,769 |
| Retained earnings to average equity (ytd only) | -5.0072% | 6,616 |
| Net charge-offs to loans | 2.5447% | 272 |
| Credit loss provision to net charge-offs | 147.2648% | 1,878 |
| Earnings coverage of net charge-offs (x) | 0.6740% | 4,720 |
| Efficiency ratio | 72.0212% | 3,431 |
| Assets per employee ($millions) | 3.3289% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3952% | 1,422 |
| Loan loss allowance to noncurrent loans | 75.8845% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.8391% | 2,983 |
| Noncurrent loans to loans | 3.1563% | 1,848 |
| Net loans and leases to total assets | 55.4272% | 4,557 |
| Net loans and leases to deposits | 61.5185% | 5,066 |
| Net loans and leases to core deposits | 65.9754% | 5,008 |
| Total domestic deposits to total assets | 90.0985% | 872 |
| Equity capital to assets | 8.5981% | 6,123 |
| Core capital (leverage) ratio | 7.7470% | 6,484 |
| Tier 1 risk-based capital ratio | 12.0862% | 5,868 |
| Total risk-based capital ratio | 13.3456% | 5,847 |
| Memoranda: | ||
| Average total assets | $59,896,000 | 6,033 |
| Average earning assets | $51,650,000 | 6,100 |
| Average equity | $5,112,670 | 6,365 |
| Average total loans | $35,917,670 | 5,789 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 3,118 |
| Cost of funding earning assets | 0.7527% | 3,842 |
| Net interest margin | 3.9307% | 2,801 |
| Noninterest income to average assets | 0.3139% | 5,364 |
| Noninterest expense to average assets | 2.6050% | 4,802 |
| Loan and lease loss provision to assets | 2.9123% | 78 |
| Net operating income to assets | -2.1107% | 7,163 |
| Return on assets (ROA) | -2.1107% | 7,166 |
| Pretax return on assets | -1.7501% | 7,113 |
| Return on Equity (ROE) | -24.8184% | 7,145 |
| Retained earnings to average equity (ytd only) | -24.8184% | 7,098 |
| Net charge-offs to loans | 3.8521% | 154 |
| Credit loss provision to net charge-offs | 122.8169% | 1,945 |
| Earnings coverage of net charge-offs (x) | 0.4901% | 4,094 |
| Efficiency ratio | 68.2624% | 4,120 |
| Assets per employee ($millions) | 3.3784% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9463% | 2,536 |
| Loan loss allowance to noncurrent loans | 56.8562% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 2.0128% | 2,879 |
| Noncurrent loans to loans | 3.4232% | 1,834 |
| Net loans and leases to total assets | 56.3352% | 4,323 |
| Net loans and leases to deposits | 62.1551% | 4,890 |
| Net loans and leases to core deposits | 65.6875% | 4,949 |
| Total domestic deposits to total assets | 90.6366% | 725 |
| Equity capital to assets | 8.1235% | 6,436 |
| Core capital (leverage) ratio | 7.4172% | 6,683 |
| Tier 1 risk-based capital ratio | 11.3625% | 6,353 |
| Total risk-based capital ratio | 12.6190% | 6,332 |
| Memoranda: | ||
| Average total assets | $59,884,000 | 6,068 |
| Average earning assets | $52,612,000 | 6,115 |
| Average equity | $5,093,000 | 6,399 |
| Average total loans | $36,863,000 | 5,782 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1541% | 2,238 |
| Cost of funding earning assets | 1.0324% | 3,144 |
| Net interest margin | 4.1217% | 2,345 |
| Noninterest income to average assets | 0.4762% | 4,022 |
| Noninterest expense to average assets | 2.7442% | 4,582 |
| Loan and lease loss provision to assets | 1.1460% | 784 |
| Net operating income to assets | 0.0480% | 5,966 |
| Return on assets (ROA) | 0.0480% | 6,075 |
| Pretax return on assets | 0.2038% | 5,775 |
| Return on Equity (ROE) | 0.5360% | 6,050 |
| Retained earnings to average equity (ytd only) | -1.7613% | 6,122 |
| Net charge-offs to loans | 1.2579% | 1,324 |
| Credit loss provision to net charge-offs | 141.1392% | 2,078 |
| Earnings coverage of net charge-offs (x) | 1.6624% | 4,523 |
| Efficiency ratio | 66.2343% | 4,724 |
| Assets per employee ($millions) | 3.2754% | 5,565 |
| Cash dividends to net income (ytd only)* | 428.5714% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5443% | 3,813 |
| Loan loss allowance to noncurrent loans | 43.3116% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 2.3458% | 2,583 |
| Noncurrent loans to loans | 3.5655% | 1,795 |
| Net loans and leases to total assets | 64.7743% | 3,028 |
| Net loans and leases to deposits | 72.0683% | 3,781 |
| Net loans and leases to core deposits | 74.8290% | 4,129 |
| Total domestic deposits to total assets | 89.8791% | 1,055 |
| Equity capital to assets | 8.8980% | 5,678 |
| Core capital (leverage) ratio | 7.9497% | 6,313 |
| Tier 1 risk-based capital ratio | 11.3181% | 6,282 |
| Total risk-based capital ratio | 12.5708% | 6,263 |
| Memoranda: | ||
| Average total assets | $58,378,000 | 6,092 |
| Average earning assets | $51,240,800 | 6,151 |
| Average equity | $5,223,400 | 6,378 |
| Average total loans | $37,680,800 | 5,801 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3061% | 1,829 |
| Cost of funding earning assets | 1.1097% | 2,915 |
| Net interest margin | 4.1964% | 2,114 |
| Noninterest income to average assets | 0.4602% | 4,218 |
| Noninterest expense to average assets | 2.8322% | 4,225 |
| Loan and lease loss provision to assets | 0.9319% | 945 |
| Net operating income to assets | 0.0618% | 6,044 |
| Return on assets (ROA) | 0.0618% | 6,153 |
| Pretax return on assets | 0.3411% | 5,620 |
| Return on Equity (ROE) | 0.6900% | 6,133 |
| Retained earnings to average equity (ytd only) | -2.3765% | 6,345 |
| Net charge-offs to loans | 1.0337% | 1,547 |
| Credit loss provision to net charge-offs | 140.3448% | 2,267 |
| Earnings coverage of net charge-offs (x) | 1.9172% | 4,219 |
| Efficiency ratio | 68.2097% | 4,276 |
| Assets per employee ($millions) | 3.4302% | 5,167 |
| Cash dividends to net income (ytd only)* | 444.4444% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 4,286 |
| Loan loss allowance to noncurrent loans | 71.4678% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.1807% | 4,428 |
| Noncurrent loans to loans | 2.0439% | 3,312 |
| Net loans and leases to total assets | 56.9231% | 4,694 |
| Net loans and leases to deposits | 63.0116% | 5,290 |
| Net loans and leases to core deposits | 65.3004% | 5,493 |
| Total domestic deposits to total assets | 90.3374% | 700 |
| Equity capital to assets | 8.4836% | 6,312 |
| Core capital (leverage) ratio | 8.1588% | 6,184 |
| Tier 1 risk-based capital ratio | 11.7752% | 6,053 |
| Total risk-based capital ratio | 13.0244% | 6,049 |
| Memoranda: | ||
| Average total assets | $58,233,250 | 6,141 |
| Average earning assets | $50,582,000 | 6,218 |
| Average equity | $5,217,750 | 6,425 |
| Average total loans | $37,404,000 | 5,866 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2797% | 1,949 |
| Cost of funding earning assets | 1.1462% | 2,924 |
| Net interest margin | 4.1335% | 2,294 |
| Noninterest income to average assets | 0.5047% | 3,827 |
| Noninterest expense to average assets | 2.9441% | 3,847 |
| Loan and lease loss provision to assets | 0.2243% | 3,670 |
| Net operating income to assets | 0.6098% | 4,012 |
| Return on assets (ROA) | 0.6098% | 4,141 |
| Pretax return on assets | 1.0269% | 3,131 |
| Return on Equity (ROE) | 6.6782% | 3,601 |
| Retained earnings to average equity (ytd only) | 2.0725% | 4,941 |
| Net charge-offs to loans | -0.2475% | 7,322 |
| Credit loss provision to net charge-offs | -136.1702% | 6,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4236% | 4,232 |
| Assets per employee ($millions) | 3.2314% | 5,567 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 4,502 |
| Loan loss allowance to noncurrent loans | 52.9835% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 1.6711% | 3,672 |
| Noncurrent loans to loans | 2.6675% | 2,734 |
| Net loans and leases to total assets | 61.7622% | 3,937 |
| Net loans and leases to deposits | 69.0806% | 4,555 |
| Net loans and leases to core deposits | 72.2526% | 4,783 |
| Total domestic deposits to total assets | 89.4060% | 1,298 |
| Equity capital to assets | 9.1670% | 5,327 |
| Core capital (leverage) ratio | 8.8507% | 4,961 |
| Tier 1 risk-based capital ratio | 12.1765% | 5,636 |
| Total risk-based capital ratio | 13.4222% | 5,625 |
| Memoranda: | ||
| Average total assets | $57,063,330 | 6,236 |
| Average earning assets | $50,949,670 | 6,259 |
| Average equity | $5,211,000 | 6,462 |
| Average total loans | $37,983,000 | 5,891 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2273% | 2,124 |
| Cost of funding earning assets | 1.1824% | 2,926 |
| Net interest margin | 4.0449% | 2,491 |
| Noninterest income to average assets | 0.4247% | 4,497 |
| Noninterest expense to average assets | 2.9374% | 3,908 |
| Loan and lease loss provision to assets | 0.1557% | 4,077 |
| Net operating income to assets | 0.6158% | 3,960 |
| Return on assets (ROA) | 0.6158% | 4,025 |
| Pretax return on assets | 1.0122% | 3,089 |
| Return on Equity (ROE) | 6.7566% | 3,504 |
| Retained earnings to average equity (ytd only) | -2.5629% | 6,230 |
| Net charge-offs to loans | -0.1445% | 7,192 |
| Credit loss provision to net charge-offs | -157.1429% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6897% | 4,118 |
| Assets per employee ($millions) | 3.1263% | 5,879 |
| Cash dividends to net income (ytd only)* | 137.9310% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 5,799 |
| Loan loss allowance to noncurrent loans | 67.4847% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.1586% | 4,622 |
| Noncurrent loans to loans | 1.7195% | 3,922 |
| Net loans and leases to total assets | 66.6009% | 2,857 |
| Net loans and leases to deposits | 74.3424% | 3,711 |
| Net loans and leases to core deposits | 77.8687% | 4,036 |
| Total domestic deposits to total assets | 89.5867% | 1,435 |
| Equity capital to assets | 9.1374% | 4,973 |
| Core capital (leverage) ratio | 8.7407% | 5,018 |
| Tier 1 risk-based capital ratio | 11.7934% | 5,858 |
| Total risk-based capital ratio | 12.8438% | 6,014 |
| Memoranda: | ||
| Average total assets | $56,512,500 | 6,294 |
| Average earning assets | $51,422,500 | 6,290 |
| Average equity | $5,150,500 | 6,506 |
| Average total loans | $38,755,000 | 5,902 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0045% | 842 |
| Cost of funding earning assets | 1.4219% | 3,128 |
| Net interest margin | 4.5825% | 1,043 |
| Noninterest income to average assets | 0.5240% | 3,994 |
| Noninterest expense to average assets | 2.9285% | 4,114 |
| Loan and lease loss provision to assets | 0.7284% | 2,252 |
| Net operating income to assets | 0.5820% | 3,746 |
| Return on assets (ROA) | 0.7247% | 3,255 |
| Pretax return on assets | 1.2580% | 2,055 |
| Return on Equity (ROE) | 7.6348% | 2,835 |
| Retained earnings to average equity (ytd only) | 5.2856% | 2,257 |
| Net charge-offs to loans | 1.1703% | 1,904 |
| Credit loss provision to net charge-offs | 83.0508% | 5,438 |
| Earnings coverage of net charge-offs (x) | 2.0106% | 4,229 |
| Efficiency ratio | 61.6634% | 5,785 |
| Assets per employee ($millions) | 3.1528% | 5,768 |
| Cash dividends to net income (ytd only)* | 30.7692% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 6,286 |
| Loan loss allowance to noncurrent loans | 105.2083% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 5,650 |
| Noncurrent loans to loans | 0.9699% | 5,110 |
| Net loans and leases to total assets | 69.0508% | 2,747 |
| Net loans and leases to deposits | 78.4525% | 3,440 |
| Net loans and leases to core deposits | 82.0722% | 3,902 |
| Total domestic deposits to total assets | 88.0161% | 2,243 |
| Equity capital to assets | 9.0906% | 5,006 |
| Core capital (leverage) ratio | 8.7102% | 5,000 |
| Tier 1 risk-based capital ratio | 11.4135% | 5,982 |
| Total risk-based capital ratio | 12.3415% | 6,227 |
| Memoranda: | ||
| Average total assets | $53,815,600 | 6,409 |
| Average earning assets | $48,947,000 | 6,406 |
| Average equity | $5,108,200 | 6,634 |
| Average total loans | $40,332,400 | 5,909 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1893% | 627 |
| Cost of funding earning assets | 1.4664% | 3,171 |
| Net interest margin | 4.7229% | 797 |
| Noninterest income to average assets | 0.5074% | 4,122 |
| Noninterest expense to average assets | 3.1096% | 3,297 |
| Loan and lease loss provision to assets | 0.9545% | 1,561 |
| Net operating income to assets | 0.3610% | 4,926 |
| Return on assets (ROA) | 0.5250% | 4,379 |
| Pretax return on assets | 0.9871% | 3,228 |
| Return on Equity (ROE) | 5.4687% | 4,052 |
| Retained earnings to average equity (ytd only) | 2.3287% | 4,773 |
| Net charge-offs to loans | 1.5828% | 1,253 |
| Credit loss provision to net charge-offs | 79.0021% | 5,168 |
| Earnings coverage of net charge-offs (x) | 1.3950% | 4,689 |
| Efficiency ratio | 64.1173% | 5,221 |
| Assets per employee ($millions) | 3.0789% | 5,972 |
| Cash dividends to net income (ytd only)* | 57.4176% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 6,507 |
| Loan loss allowance to noncurrent loans | 60.2201% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 4,822 |
| Noncurrent loans to loans | 1.6150% | 4,222 |
| Net loans and leases to total assets | 70.3699% | 2,644 |
| Net loans and leases to deposits | 78.6254% | 3,705 |
| Net loans and leases to core deposits | 82.2798% | 4,203 |
| Total domestic deposits to total assets | 89.5002% | 1,126 |
| Equity capital to assets | 9.1718% | 5,348 |
| Core capital (leverage) ratio | 8.6709% | 5,243 |
| Tier 1 risk-based capital ratio | 11.0720% | 6,316 |
| Total risk-based capital ratio | 11.9584% | 6,609 |
| Memoranda: | ||
| Average total assets | $53,081,750 | 6,504 |
| Average earning assets | $48,189,250 | 6,501 |
| Average equity | $5,095,500 | 6,721 |
| Average total loans | $40,517,750 | 5,984 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4195% | 392 |
| Cost of funding earning assets | 1.4692% | 3,429 |
| Net interest margin | 4.9503% | 470 |
| Noninterest income to average assets | 0.5736% | 3,516 |
| Noninterest expense to average assets | 3.0515% | 3,519 |
| Loan and lease loss provision to assets | 0.6271% | 2,290 |
| Net operating income to assets | 0.8861% | 2,599 |
| Return on assets (ROA) | 1.1357% | 1,804 |
| Pretax return on assets | 1.8202% | 853 |
| Return on Equity (ROE) | 11.6478% | 1,544 |
| Retained earnings to average equity (ytd only) | 6.9416% | 1,859 |
| Net charge-offs to loans | 0.1223% | 4,963 |
| Credit loss provision to net charge-offs | 656.0000% | 565 |
| Earnings coverage of net charge-offs (x) | 21.5200% | 1,172 |
| Efficiency ratio | 59.0569% | 6,209 |
| Assets per employee ($millions) | 2.9699% | 6,200 |
| Cash dividends to net income (ytd only)* | 40.4040% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 3,892 |
| Loan loss allowance to noncurrent loans | 458.0882% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 6,764 |
| Noncurrent loans to loans | 0.3288% | 6,568 |
| Net loans and leases to total assets | 76.2131% | 1,446 |
| Net loans and leases to deposits | 85.6716% | 2,558 |
| Net loans and leases to core deposits | 88.2110% | 3,517 |
| Total domestic deposits to total assets | 88.9596% | 1,465 |
| Equity capital to assets | 9.6580% | 4,457 |
| Core capital (leverage) ratio | 8.8110% | 4,897 |
| Tier 1 risk-based capital ratio | 11.0521% | 6,188 |
| Total risk-based capital ratio | 12.3033% | 6,173 |
| Memoranda: | ||
| Average total assets | $52,302,330 | 6,572 |
| Average earning assets | $47,916,670 | 6,550 |
| Average equity | $5,099,670 | 6,749 |
| Average total loans | $40,896,330 | 6,015 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3676% | 468 |
| Cost of funding earning assets | 1.4521% | 3,859 |
| Net interest margin | 4.9155% | 499 |
| Noninterest income to average assets | 0.5723% | 3,476 |
| Noninterest expense to average assets | 3.1242% | 3,160 |
| Loan and lease loss provision to assets | 0.5491% | 2,306 |
| Net operating income to assets | 0.8661% | 2,687 |
| Return on assets (ROA) | 0.8661% | 2,772 |
| Pretax return on assets | 1.4539% | 1,630 |
| Return on Equity (ROE) | 8.8398% | 2,553 |
| Retained earnings to average equity (ytd only) | -0.6314% | 5,978 |
| Net charge-offs to loans | -0.0689% | 7,440 |
| Credit loss provision to net charge-offs | -1,014.2857% | 6,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1810% | 6,134 |
| Assets per employee ($millions) | 2.8949% | 6,451 |
| Cash dividends to net income (ytd only)* | 107.1429% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 4,554 |
| Loan loss allowance to noncurrent loans | 302.1505% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 6,583 |
| Noncurrent loans to loans | 0.4546% | 6,390 |
| Net loans and leases to total assets | 77.4411% | 1,262 |
| Net loans and leases to deposits | 88.4546% | 2,142 |
| Net loans and leases to core deposits | 91.7698% | 3,133 |
| Total domestic deposits to total assets | 87.5489% | 2,333 |
| Equity capital to assets | 9.7029% | 4,227 |
| Core capital (leverage) ratio | 8.7118% | 5,004 |
| Tier 1 risk-based capital ratio | 10.7489% | 6,391 |
| Total risk-based capital ratio | 11.9996% | 6,374 |
| Memoranda: | ||
| Average total assets | $51,724,500 | 6,672 |
| Average earning assets | $47,930,500 | 6,629 |
| Average equity | $5,068,000 | 6,827 |
| Average total loans | $40,662,000 | 6,095 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5311% | 627 |
| Cost of funding earning assets | 1.7508% | 4,246 |
| Net interest margin | 4.7803% | 720 |
| Noninterest income to average assets | 0.5745% | 3,823 |
| Noninterest expense to average assets | 3.0886% | 3,795 |
| Loan and lease loss provision to assets | 0.3663% | 4,601 |
| Net operating income to assets | 0.9508% | 2,004 |
| Return on assets (ROA) | 0.9508% | 2,056 |
| Pretax return on assets | 1.3551% | 1,545 |
| Return on Equity (ROE) | 9.7749% | 1,752 |
| Retained earnings to average equity (ytd only) | 7.3054% | 873 |
| Net charge-offs to loans | 0.4106% | 4,175 |
| Credit loss provision to net charge-offs | 123.6486% | 4,262 |
| Earnings coverage of net charge-offs (x) | 5.8108% | 2,494 |
| Efficiency ratio | 63.4207% | 5,888 |
| Assets per employee ($millions) | 2.8523% | 6,556 |
| Cash dividends to net income (ytd only)* | 25.2632% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 5,376 |
| Loan loss allowance to noncurrent loans | 424.5614% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 6,908 |
| Noncurrent loans to loans | 0.2821% | 6,722 |
| Net loans and leases to total assets | 77.7644% | 1,437 |
| Net loans and leases to deposits | 89.3077% | 2,338 |
| Net loans and leases to core deposits | 104.2918% | 3,537 |
| Total domestic deposits to total assets | 87.0747% | 2,459 |
| Equity capital to assets | 9.8946% | 3,898 |
| Core capital (leverage) ratio | 8.7795% | 4,796 |
| Tier 1 risk-based capital ratio | 10.9021% | 6,007 |
| Total risk-based capital ratio | 12.0301% | 6,102 |
| Memoranda: | ||
| Average total assets | $49,957,800 | 6,704 |
| Average earning assets | $44,265,000 | 6,753 |
| Average equity | $4,859,400 | 7,001 |
| Average total loans | $36,045,800 | 6,306 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6133% | 602 |
| Cost of funding earning assets | 1.8081% | 4,351 |
| Net interest margin | 4.8052% | 674 |
| Noninterest income to average assets | 0.5644% | 3,976 |
| Noninterest expense to average assets | 3.2545% | 3,108 |
| Loan and lease loss provision to assets | 0.3843% | 4,021 |
| Net operating income to assets | 0.8546% | 2,595 |
| Return on assets (ROA) | 0.8546% | 2,660 |
| Pretax return on assets | 1.1180% | 2,508 |
| Return on Equity (ROE) | 8.8253% | 2,327 |
| Retained earnings to average equity (ytd only) | 5.4949% | 2,207 |
| Net charge-offs to loans | 0.5874% | 2,915 |
| Credit loss provision to net charge-offs | 92.8571% | 5,403 |
| Earnings coverage of net charge-offs (x) | 3.6298% | 3,445 |
| Efficiency ratio | 67.6271% | 5,054 |
| Assets per employee ($millions) | 2.9111% | 6,376 |
| Cash dividends to net income (ytd only)* | 37.7367% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 4,800 |
| Loan loss allowance to noncurrent loans | 4,380.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 7,543 |
| Noncurrent loans to loans | 0.0286% | 7,447 |
| Net loans and leases to total assets | 65.8550% | 4,463 |
| Net loans and leases to deposits | 73.7603% | 5,391 |
| Net loans and leases to core deposits | 87.9633% | 5,644 |
| Total domestic deposits to total assets | 89.2824% | 1,067 |
| Equity capital to assets | 9.4332% | 4,834 |
| Core capital (leverage) ratio | 8.7586% | 5,035 |
| Tier 1 risk-based capital ratio | 11.6839% | 5,257 |
| Total risk-based capital ratio | 12.8169% | 5,310 |
| Memoranda: | ||
| Average total assets | $49,612,000 | 6,773 |
| Average earning assets | $43,285,250 | 6,849 |
| Average equity | $4,804,250 | 7,080 |
| Average total loans | $34,955,000 | 6,404 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5998% | 658 |
| Cost of funding earning assets | 1.8227% | 4,653 |
| Net interest margin | 4.7771% | 685 |
| Noninterest income to average assets | 0.5546% | 3,996 |
| Noninterest expense to average assets | 3.2496% | 3,156 |
| Loan and lease loss provision to assets | 0.0863% | 6,308 |
| Net operating income to assets | 0.9038% | 2,443 |
| Return on assets (ROA) | 0.9038% | 2,540 |
| Pretax return on assets | 1.4502% | 1,588 |
| Return on Equity (ROE) | 9.2476% | 2,273 |
| Retained earnings to average equity (ytd only) | 4.2034% | 2,962 |
| Net charge-offs to loans | -0.0229% | 7,724 |
| Credit loss provision to net charge-offs | -525.0000% | 7,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0386% | 5,353 |
| Assets per employee ($millions) | 2.7115% | 6,804 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 3,847 |
| Loan loss allowance to noncurrent loans | 515.2174% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 7,056 |
| Noncurrent loans to loans | 0.2674% | 6,859 |
| Net loans and leases to total assets | 69.5085% | 3,814 |
| Net loans and leases to deposits | 78.5137% | 4,783 |
| Net loans and leases to core deposits | 90.9932% | 5,452 |
| Total domestic deposits to total assets | 88.5303% | 1,515 |
| Equity capital to assets | 9.8633% | 4,130 |
| Core capital (leverage) ratio | 8.8805% | 4,816 |
| Tier 1 risk-based capital ratio | 11.7984% | 5,106 |
| Total risk-based capital ratio | 13.0499% | 5,014 |
| Memoranda: | ||
| Average total assets | $48,682,670 | 6,882 |
| Average earning assets | $43,122,330 | 6,924 |
| Average equity | $4,758,000 | 7,148 |
| Average total loans | $34,958,000 | 6,458 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6063% | 701 |
| Cost of funding earning assets | 1.8468% | 4,891 |
| Net interest margin | 4.7595% | 666 |
| Noninterest income to average assets | 0.4772% | 4,533 |
| Noninterest expense to average assets | 3.1921% | 3,021 |
| Loan and lease loss provision to assets | 0.0740% | 6,030 |
| Net operating income to assets | 0.9296% | 2,583 |
| Return on assets (ROA) | 0.9296% | 2,717 |
| Pretax return on assets | 1.4726% | 1,746 |
| Return on Equity (ROE) | 9.5560% | 2,512 |
| Retained earnings to average equity (ytd only) | -0.5920% | 5,785 |
| Net charge-offs to loans | -0.0114% | 7,304 |
| Credit loss provision to net charge-offs | -900.0000% | 6,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4931% | 5,234 |
| Assets per employee ($millions) | 2.6911% | 6,904 |
| Cash dividends to net income (ytd only)* | 106.1947% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 3,853 |
| Loan loss allowance to noncurrent loans | 777.9661% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 7,220 |
| Noncurrent loans to loans | 0.1722% | 7,031 |
| Net loans and leases to total assets | 69.7764% | 3,727 |
| Net loans and leases to deposits | 78.7012% | 4,813 |
| Net loans and leases to core deposits | 92.0176% | 5,344 |
| Total domestic deposits to total assets | 88.6600% | 1,394 |
| Equity capital to assets | 9.7421% | 4,317 |
| Core capital (leverage) ratio | 8.6205% | 5,301 |
| Tier 1 risk-based capital ratio | 11.5887% | 5,320 |
| Total risk-based capital ratio | 12.8249% | 5,236 |
| Memoranda: | ||
| Average total assets | $48,620,500 | 6,918 |
| Average earning assets | $43,534,000 | 6,956 |
| Average equity | $4,730,000 | 7,214 |
| Average total loans | $35,237,500 | 6,477 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1873% | 769 |
| Cost of funding earning assets | 2.4418% | 4,517 |
| Net interest margin | 4.7455% | 876 |
| Noninterest income to average assets | 0.5087% | 4,553 |
| Noninterest expense to average assets | 3.1406% | 3,550 |
| Loan and lease loss provision to assets | 0.0799% | 6,398 |
| Net operating income to assets | 0.9111% | 2,954 |
| Return on assets (ROA) | 0.9502% | 2,649 |
| Pretax return on assets | 1.5367% | 1,574 |
| Return on Equity (ROE) | 10.1619% | 2,200 |
| Retained earnings to average equity (ytd only) | 7.4640% | 997 |
| Net charge-offs to loans | -0.0498% | 8,026 |
| Credit loss provision to net charge-offs | -223.5294% | 7,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0251% | 5,122 |
| Assets per employee ($millions) | 2.7112% | 6,758 |
| Cash dividends to net income (ytd only)* | 26.5487% | 4,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 4,237 |
| Loan loss allowance to noncurrent loans | 2,138.0952% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 7,416 |
| Noncurrent loans to loans | 0.0580% | 7,278 |
| Net loans and leases to total assets | 73.2921% | 3,286 |
| Net loans and leases to deposits | 86.2150% | 4,085 |
| Net loans and leases to core deposits | 100.1933% | 4,811 |
| Total domestic deposits to total assets | 85.0109% | 2,838 |
| Equity capital to assets | 9.7148% | 4,403 |
| Core capital (leverage) ratio | 8.7350% | 5,140 |
| Tier 1 risk-based capital ratio | 11.0745% | 5,663 |
| Total risk-based capital ratio | 12.2298% | 5,649 |
| Memoranda: | ||
| Average total assets | $47,570,800 | 6,881 |
| Average earning assets | $41,976,600 | 6,950 |
| Average equity | $4,448,000 | 7,344 |
| Average total loans | $34,122,000 | 6,480 |