Home > Westside State Bank > Performance and Condition Ratios
Westside 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 | 5.3859% | 1,338 |
| Cost of funding earning assets | 1.8891% | 1,088 |
| Net interest margin | 3.4968% | 2,188 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.6347% | 1,904 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.8542% | 2,689 |
| Return on assets (ROA) | 0.8542% | 2,663 |
| Pretax return on assets | 0.8853% | 3,001 |
| Return on Equity (ROE) | 12.0100% | 1,952 |
| Retained earnings to average equity (ytd only) | 2.8269% | 3,336 |
| Net charge-offs to loans | 0.0304% | 1,696 |
| Credit loss provision to net charge-offs | 436.3636% | 734 |
| Earnings coverage of net charge-offs (x) | 41.1818% | 1,431 |
| Efficiency ratio | 72.6820% | 1,592 |
| Assets per employee ($millions) | 6.8275% | 2,188 |
| Cash dividends to net income (ytd only)* | 76.4555% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6933% | 4,139 |
| Loan loss allowance to noncurrent loans | 5,330.0000% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 3,708 |
| Noncurrent loans to loans | 0.0130% | 3,659 |
| Net loans and leases to total assets | 79.8800% | 651 |
| Net loans and leases to deposits | 99.3171% | 574 |
| Net loans and leases to core deposits | 105.0041% | 1,168 |
| Total domestic deposits to total assets | 80.4300% | 3,392 |
| Equity capital to assets | 7.0681% | 3,915 |
| Core capital (leverage) ratio | 7.2780% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4820% | 2,877 |
| Memoranda: | ||
| Average total assets | $182,980,400 | 3,103 |
| Average earning assets | $173,100,200 | 3,069 |
| Average equity | $13,017,600 | 3,426 |
| Average total loans | $144,919,400 | 2,714 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2454% | 1,364 |
| Cost of funding earning assets | 1.7234% | 1,142 |
| Net interest margin | 3.5220% | 2,165 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.6013% | 1,938 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.8828% | 2,743 |
| Return on assets (ROA) | 0.8828% | 2,729 |
| Pretax return on assets | 0.9255% | 3,044 |
| Return on Equity (ROE) | 12.3900% | 2,030 |
| Retained earnings to average equity (ytd only) | 8.5102% | 1,811 |
| Net charge-offs to loans | 0.0075% | 2,143 |
| Credit loss provision to net charge-offs | 1,800.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 658 |
| Efficiency ratio | 71.6024% | 1,611 |
| Assets per employee ($millions) | 6.9348% | 2,000 |
| Cash dividends to net income (ytd only)* | 31.3022% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6988% | 4,141 |
| Loan loss allowance to noncurrent loans | 579.1209% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 2,928 |
| Noncurrent loans to loans | 0.1207% | 2,957 |
| Net loans and leases to total assets | 79.9900% | 647 |
| Net loans and leases to deposits | 98.6926% | 572 |
| Net loans and leases to core deposits | 104.3999% | 1,101 |
| Total domestic deposits to total assets | 81.0500% | 3,375 |
| Equity capital to assets | 7.0594% | 3,580 |
| Core capital (leverage) ratio | 7.6995% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1212% | 2,803 |
| Memoranda: | ||
| Average total assets | $180,933,250 | 3,128 |
| Average earning assets | $171,904,500 | 3,084 |
| Average equity | $12,894,000 | 3,432 |
| Average total loans | $142,708,000 | 2,742 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0593% | 1,440 |
| Cost of funding earning assets | 1.5749% | 1,118 |
| Net interest margin | 3.4844% | 2,301 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.6371% | 1,832 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.8086% | 3,054 |
| Return on assets (ROA) | 0.8086% | 3,062 |
| Pretax return on assets | 0.8488% | 3,283 |
| Return on Equity (ROE) | 11.3100% | 2,348 |
| Retained earnings to average equity (ytd only) | 9.3540% | 1,589 |
| Net charge-offs to loans | 0.0071% | 1,968 |
| Credit loss provision to net charge-offs | 1,920.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 685 |
| Efficiency ratio | 73.3894% | 1,419 |
| Assets per employee ($millions) | 6.7066% | 2,132 |
| Cash dividends to net income (ytd only)* | 17.2891% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6983% | 4,186 |
| Loan loss allowance to noncurrent loans | 710.5634% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 2,988 |
| Noncurrent loans to loans | 0.0983% | 3,001 |
| Net loans and leases to total assets | 79.2400% | 710 |
| Net loans and leases to deposits | 94.7308% | 800 |
| Net loans and leases to core deposits | 100.0077% | 1,238 |
| Total domestic deposits to total assets | 83.6500% | 2,904 |
| Equity capital to assets | 7.3786% | 3,590 |
| Core capital (leverage) ratio | 7.6043% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5289% | 2,759 |
| Memoranda: | ||
| Average total assets | $178,831,000 | 3,146 |
| Average earning assets | $170,300,000 | 3,103 |
| Average equity | $12,786,000 | 3,459 |
| Average total loans | $140,003,000 | 2,770 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 1,644 |
| Cost of funding earning assets | 1.3432% | 1,146 |
| Net interest margin | 3.4490% | 2,500 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.7776% | 1,492 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.7338% | 3,387 |
| Return on assets (ROA) | 0.7338% | 3,346 |
| Pretax return on assets | 0.7743% | 3,525 |
| Return on Equity (ROE) | 10.4300% | 2,657 |
| Retained earnings to average equity (ytd only) | 6.4328% | 2,660 |
| Net charge-offs to loans | 0.0145% | 1,412 |
| Credit loss provision to net charge-offs | 960.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 78.4000% | 903 |
| Efficiency ratio | 75.8918% | 1,178 |
| Assets per employee ($millions) | 6.6521% | 2,230 |
| Cash dividends to net income (ytd only)* | 38.3436% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 4,254 |
| Loan loss allowance to noncurrent loans | 686.4286% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 3,019 |
| Noncurrent loans to loans | 0.1005% | 3,036 |
| Net loans and leases to total assets | 76.9900% | 874 |
| Net loans and leases to deposits | 92.6775% | 878 |
| Net loans and leases to core deposits | 97.4010% | 1,209 |
| Total domestic deposits to total assets | 83.0800% | 3,280 |
| Equity capital to assets | 7.3154% | 3,665 |
| Core capital (leverage) ratio | 7.6914% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5273% | 2,845 |
| Memoranda: | ||
| Average total assets | $177,707,500 | 3,198 |
| Average earning assets | $169,440,000 | 3,150 |
| Average equity | $12,498,500 | 3,523 |
| Average total loans | $137,758,500 | 2,818 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 1,069 |
| Cost of funding earning assets | 0.6008% | 900 |
| Net interest margin | 3.6892% | 1,402 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.6119% | 1,796 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.0847% | 2,240 |
| Return on assets (ROA) | 1.0847% | 2,182 |
| Pretax return on assets | 1.1380% | 2,650 |
| Return on Equity (ROE) | 15.0900% | 1,236 |
| Retained earnings to average equity (ytd only) | 4.8132% | 3,133 |
| Net charge-offs to loans | 0.1008% | 733 |
| Credit loss provision to net charge-offs | 144.1860% | 1,326 |
| Earnings coverage of net charge-offs (x) | 16.3566% | 1,981 |
| Efficiency ratio | 67.6678% | 2,004 |
| Assets per employee ($millions) | 5.8602% | 2,895 |
| Cash dividends to net income (ytd only)* | 68.1025% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6737% | 4,244 |
| Loan loss allowance to noncurrent loans | 463.6364% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 2,738 |
| Noncurrent loans to loans | 0.1453% | 2,787 |
| Net loans and leases to total assets | 76.9900% | 894 |
| Net loans and leases to deposits | 90.4361% | 1,018 |
| Net loans and leases to core deposits | 94.1874% | 1,287 |
| Total domestic deposits to total assets | 85.1300% | 2,961 |
| Equity capital to assets | 6.7449% | 3,792 |
| Core capital (leverage) ratio | 7.0412% | 4,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8212% | 2,991 |
| Memoranda: | ||
| Average total assets | $169,073,000 | 3,275 |
| Average earning assets | $160,792,600 | 3,236 |
| Average equity | $12,154,200 | 3,654 |
| Average total loans | $127,996,200 | 2,848 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 1,045 |
| Cost of funding earning assets | 0.4338% | 1,081 |
| Net interest margin | 3.6772% | 1,197 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.6413% | 1,620 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0785% | 2,175 |
| Return on assets (ROA) | 1.0785% | 2,137 |
| Pretax return on assets | 1.1215% | 2,654 |
| Return on Equity (ROE) | 14.7600% | 1,228 |
| Retained earnings to average equity (ytd only) | 11.2196% | 994 |
| Net charge-offs to loans | 0.0784% | 754 |
| Credit loss provision to net charge-offs | 186.4865% | 1,015 |
| Earnings coverage of net charge-offs (x) | 20.8919% | 1,697 |
| Efficiency ratio | 68.2024% | 1,989 |
| Assets per employee ($millions) | 6.5585% | 2,274 |
| Cash dividends to net income (ytd only)* | 24.0030% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6806% | 4,284 |
| Loan loss allowance to noncurrent loans | 226.7157% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 2,078 |
| Noncurrent loans to loans | 0.3002% | 2,165 |
| Net loans and leases to total assets | 76.2300% | 887 |
| Net loans and leases to deposits | 92.5221% | 738 |
| Net loans and leases to core deposits | 96.7676% | 964 |
| Total domestic deposits to total assets | 82.3900% | 3,770 |
| Equity capital to assets | 6.8037% | 3,614 |
| Core capital (leverage) ratio | 7.5393% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1657% | 3,013 |
| Memoranda: | ||
| Average total assets | $167,389,500 | 3,312 |
| Average earning assets | $158,884,500 | 3,280 |
| Average equity | $12,228,250 | 3,692 |
| Average total loans | $125,927,500 | 2,870 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9246% | 1,069 |
| Cost of funding earning assets | 0.4009% | 910 |
| Net interest margin | 3.5238% | 1,254 |
| Noninterest income to average assets | 0.3850% | 2,842 |
| Noninterest expense to average assets | 2.7217% | 1,333 |
| Loan and lease loss provision to assets | 0.1096% | 910 |
| Net operating income to assets | 0.8796% | 2,669 |
| Return on assets (ROA) | 0.8796% | 2,643 |
| Pretax return on assets | 0.9162% | 3,007 |
| Return on Equity (ROE) | 11.7510% | 1,741 |
| Retained earnings to average equity (ytd only) | 10.1234% | 979 |
| Net charge-offs to loans | 0.0604% | 804 |
| Credit loss provision to net charge-offs | 243.2432% | 881 |
| Earnings coverage of net charge-offs (x) | 22.7568% | 1,501 |
| Efficiency ratio | 72.6268% | 1,674 |
| Assets per employee ($millions) | 6.3944% | 2,395 |
| Cash dividends to net income (ytd only)* | 13.8504% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7094% | 4,316 |
| Loan loss allowance to noncurrent loans | 593.5065% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 3,096 |
| Noncurrent loans to loans | 0.1195% | 3,135 |
| Net loans and leases to total assets | 74.1012% | 909 |
| Net loans and leases to deposits | 85.1713% | 1,042 |
| Net loans and leases to core deposits | 89.2441% | 1,162 |
| Total domestic deposits to total assets | 87.0025% | 2,940 |
| Equity capital to assets | 7.0779% | 3,725 |
| Core capital (leverage) ratio | 7.3582% | 4,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1051% | 3,079 |
| Memoranda: | ||
| Average total assets | $164,159,667 | 3,372 |
| Average earning assets | $156,651,000 | 3,341 |
| Average equity | $12,288,333 | 3,762 |
| Average total loans | $122,599,667 | 2,920 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8429% | 1,013 |
| Cost of funding earning assets | 0.4048% | 843 |
| Net interest margin | 3.4381% | 1,213 |
| Noninterest income to average assets | 0.4978% | 2,146 |
| Noninterest expense to average assets | 2.9491% | 884 |
| Loan and lease loss provision to assets | 0.1051% | 799 |
| Net operating income to assets | 0.6654% | 3,174 |
| Return on assets (ROA) | 0.6654% | 3,157 |
| Pretax return on assets | 0.7154% | 3,349 |
| Return on Equity (ROE) | 8.6346% | 2,462 |
| Retained earnings to average equity (ytd only) | 5.3885% | 2,448 |
| Net charge-offs to loans | 0.1004% | 517 |
| Credit loss provision to net charge-offs | 140.0000% | 881 |
| Earnings coverage of net charge-offs (x) | 10.9333% | 1,449 |
| Efficiency ratio | 78.2349% | 1,292 |
| Assets per employee ($millions) | 6.4131% | 2,442 |
| Cash dividends to net income (ytd only)* | 37.5940% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7128% | 4,365 |
| Loan loss allowance to noncurrent loans | 454.6875% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 3,005 |
| Noncurrent loans to loans | 0.1568% | 3,020 |
| Net loans and leases to total assets | 72.9291% | 742 |
| Net loans and leases to deposits | 84.6828% | 835 |
| Net loans and leases to core deposits | 88.6984% | 984 |
| Total domestic deposits to total assets | 86.1203% | 3,220 |
| Equity capital to assets | 7.2214% | 4,090 |
| Core capital (leverage) ratio | 7.5586% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9489% | 3,055 |
| Memoranda: | ||
| Average total assets | $159,915,000 | 3,421 |
| Average earning assets | $152,177,500 | 3,386 |
| Average equity | $12,322,500 | 3,828 |
| Average total loans | $119,475,000 | 2,948 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6263% | 117 |
| Cost of funding earning assets | 0.4678% | 1,076 |
| Net interest margin | 5.1586% | 111 |
| Noninterest income to average assets | 0.3277% | 3,452 |
| Noninterest expense to average assets | 3.0009% | 977 |
| Loan and lease loss provision to assets | 0.0835% | 1,473 |
| Net operating income to assets | 2.0003% | 339 |
| Return on assets (ROA) | 2.0003% | 359 |
| Pretax return on assets | 2.0929% | 504 |
| Return on Equity (ROE) | 23.2421% | 164 |
| Retained earnings to average equity (ytd only) | 8.7714% | 1,264 |
| Net charge-offs to loans | 0.2147% | 432 |
| Credit loss provision to net charge-offs | 48.5830% | 2,146 |
| Earnings coverage of net charge-offs (x) | 12.6640% | 2,107 |
| Efficiency ratio | 57.9626% | 3,453 |
| Assets per employee ($millions) | 5.8881% | 2,874 |
| Cash dividends to net income (ytd only)* | 62.2609% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7392% | 4,367 |
| Loan loss allowance to noncurrent loans | 768.7500% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,444 |
| Noncurrent loans to loans | 0.0962% | 3,447 |
| Net loans and leases to total assets | 75.5203% | 548 |
| Net loans and leases to deposits | 89.5268% | 581 |
| Net loans and leases to core deposits | 93.9172% | 786 |
| Total domestic deposits to total assets | 84.3550% | 3,457 |
| Equity capital to assets | 8.2331% | 4,213 |
| Core capital (leverage) ratio | 7.8974% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0511% | 3,042 |
| Memoranda: | ||
| Average total assets | $143,725,600 | 3,549 |
| Average earning assets | $135,114,600 | 3,528 |
| Average equity | $12,369,800 | 3,894 |
| Average total loans | $115,050,800 | 2,994 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1838% | 74 |
| Cost of funding earning assets | 0.4823% | 1,151 |
| Net interest margin | 5.7015% | 78 |
| Noninterest income to average assets | 0.3216% | 3,506 |
| Noninterest expense to average assets | 3.0865% | 838 |
| Loan and lease loss provision to assets | 0.0849% | 1,411 |
| Net operating income to assets | 2.4311% | 234 |
| Return on assets (ROA) | 2.4311% | 241 |
| Pretax return on assets | 2.4905% | 339 |
| Return on Equity (ROE) | 27.9196% | 114 |
| Retained earnings to average equity (ytd only) | 18.4975% | 180 |
| Net charge-offs to loans | 0.0314% | 1,436 |
| Credit loss provision to net charge-offs | 333.3333% | 947 |
| Earnings coverage of net charge-offs (x) | 101.1481% | 868 |
| Efficiency ratio | 54.5137% | 3,727 |
| Assets per employee ($millions) | 5.4575% | 3,242 |
| Cash dividends to net income (ytd only)* | 33.7471% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,155 |
| Loan loss allowance to noncurrent loans | 456.9565% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 3,034 |
| Noncurrent loans to loans | 0.1968% | 3,163 |
| Net loans and leases to total assets | 81.6237% | 208 |
| Net loans and leases to deposits | 96.6463% | 329 |
| Net loans and leases to core deposits | 101.5297% | 536 |
| Total domestic deposits to total assets | 84.4561% | 3,319 |
| Equity capital to assets | 9.3943% | 3,472 |
| Core capital (leverage) ratio | 8.5883% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7678% | 2,787 |
| Memoranda: | ||
| Average total assets | $141,384,500 | 3,611 |
| Average earning assets | $132,429,500 | 3,586 |
| Average equity | $12,311,250 | 3,949 |
| Average total loans | $114,694,750 | 3,042 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1179% | 87 |
| Cost of funding earning assets | 0.4966% | 1,222 |
| Net interest margin | 5.6214% | 83 |
| Noninterest income to average assets | 0.2677% | 3,797 |
| Noninterest expense to average assets | 3.2518% | 662 |
| Loan and lease loss provision to assets | 0.0850% | 1,442 |
| Net operating income to assets | 2.1428% | 374 |
| Return on assets (ROA) | 2.1428% | 389 |
| Pretax return on assets | 2.1896% | 589 |
| Return on Equity (ROE) | 25.2763% | 182 |
| Retained earnings to average equity (ytd only) | 12.8303% | 755 |
| Net charge-offs to loans | 0.0439% | 1,197 |
| Credit loss provision to net charge-offs | 240.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 64.2400% | 942 |
| Efficiency ratio | 58.8416% | 3,170 |
| Assets per employee ($millions) | 5.6363% | 2,974 |
| Cash dividends to net income (ytd only)* | 49.2399% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 4,238 |
| Loan loss allowance to noncurrent loans | 374.7253% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 3,028 |
| Noncurrent loans to loans | 0.2321% | 3,121 |
| Net loans and leases to total assets | 79.5715% | 339 |
| Net loans and leases to deposits | 96.4141% | 369 |
| Net loans and leases to core deposits | 103.1929% | 556 |
| Total domestic deposits to total assets | 82.5310% | 3,807 |
| Equity capital to assets | 8.4766% | 4,222 |
| Core capital (leverage) ratio | 8.0960% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2277% | 2,913 |
| Memoranda: | ||
| Average total assets | $141,214,333 | 3,622 |
| Average earning assets | $132,103,333 | 3,605 |
| Average equity | $11,971,667 | 3,992 |
| Average total loans | $113,969,333 | 3,070 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 1,339 |
| Cost of funding earning assets | 0.5201% | 1,270 |
| Net interest margin | 3.6010% | 1,585 |
| Noninterest income to average assets | 0.2541% | 3,877 |
| Noninterest expense to average assets | 2.8611% | 1,231 |
| Loan and lease loss provision to assets | 0.0866% | 1,520 |
| Net operating income to assets | 0.6525% | 3,808 |
| Return on assets (ROA) | 0.6525% | 3,882 |
| Pretax return on assets | 0.7044% | 4,005 |
| Return on Equity (ROE) | 7.6959% | 3,414 |
| Retained earnings to average equity (ytd only) | 3.4393% | 3,652 |
| Net charge-offs to loans | 0.0428% | 1,041 |
| Credit loss provision to net charge-offs | 250.0000% | 816 |
| Earnings coverage of net charge-offs (x) | 22.8333% | 1,205 |
| Efficiency ratio | 78.3399% | 930 |
| Assets per employee ($millions) | 5.5105% | 3,103 |
| Cash dividends to net income (ytd only)* | 55.3097% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 4,271 |
| Loan loss allowance to noncurrent loans | 247.7833% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 2,733 |
| Noncurrent loans to loans | 0.3473% | 2,848 |
| Net loans and leases to total assets | 80.8827% | 289 |
| Net loans and leases to deposits | 96.5917% | 391 |
| Net loans and leases to core deposits | 104.8705% | 549 |
| Total domestic deposits to total assets | 83.7366% | 3,512 |
| Equity capital to assets | 8.2116% | 4,355 |
| Core capital (leverage) ratio | 7.8742% | 4,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4003% | 2,838 |
| Memoranda: | ||
| Average total assets | $138,549,000 | 3,656 |
| Average earning assets | $130,741,000 | 3,624 |
| Average equity | $11,746,500 | 4,024 |
| Average total loans | $112,138,500 | 3,097 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8635% | 649 |
| Cost of funding earning assets | 0.8398% | 1,057 |
| Net interest margin | 4.0237% | 930 |
| Noninterest income to average assets | 0.4107% | 3,041 |
| Noninterest expense to average assets | 3.1195% | 1,190 |
| Loan and lease loss provision to assets | 0.2108% | 1,866 |
| Net operating income to assets | 0.8230% | 3,001 |
| Return on assets (ROA) | 0.8230% | 3,125 |
| Pretax return on assets | 0.8589% | 3,483 |
| Return on Equity (ROE) | 9.4876% | 2,199 |
| Retained earnings to average equity (ytd only) | 2.0614% | 3,803 |
| Net charge-offs to loans | 0.1141% | 1,339 |
| Credit loss provision to net charge-offs | 228.8136% | 2,027 |
| Earnings coverage of net charge-offs (x) | 11.6102% | 2,393 |
| Efficiency ratio | 74.4641% | 1,388 |
| Assets per employee ($millions) | 5.1471% | 3,233 |
| Cash dividends to net income (ytd only)* | 78.2732% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 4,132 |
| Loan loss allowance to noncurrent loans | 49,400.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,478 |
| Noncurrent loans to loans | 0.0019% | 4,407 |
| Net loans and leases to total assets | 79.5068% | 459 |
| Net loans and leases to deposits | 97.0714% | 502 |
| Net loans and leases to core deposits | 106.2406% | 634 |
| Total domestic deposits to total assets | 81.9055% | 3,684 |
| Equity capital to assets | 8.7637% | 4,247 |
| Core capital (leverage) ratio | 8.1085% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2336% | 2,857 |
| Memoranda: | ||
| Average total assets | $128,067,200 | 3,653 |
| Average earning assets | $120,263,200 | 3,621 |
| Average equity | $11,109,200 | 4,064 |
| Average total loans | $103,376,600 | 3,189 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7126% | 1,035 |
| Cost of funding earning assets | 0.9275% | 974 |
| Net interest margin | 3.7852% | 1,663 |
| Noninterest income to average assets | 0.3664% | 3,263 |
| Noninterest expense to average assets | 3.1346% | 1,175 |
| Loan and lease loss provision to assets | 0.0948% | 3,133 |
| Net operating income to assets | 0.6339% | 3,685 |
| Return on assets (ROA) | 0.6339% | 3,772 |
| Pretax return on assets | 0.6823% | 3,939 |
| Return on Equity (ROE) | 7.3271% | 3,083 |
| Retained earnings to average equity (ytd only) | 0.0243% | 4,478 |
| Net charge-offs to loans | 0.0860% | 1,450 |
| Credit loss provision to net charge-offs | 136.3636% | 2,408 |
| Earnings coverage of net charge-offs (x) | 11.1818% | 2,310 |
| Efficiency ratio | 80.1346% | 863 |
| Assets per employee ($millions) | 5.0105% | 3,239 |
| Cash dividends to net income (ytd only)* | 99.6678% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7811% | 4,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 83.8607% | 291 |
| Net loans and leases to deposits | 103.0661% | 414 |
| Net loans and leases to core deposits | 113.0594% | 594 |
| Total domestic deposits to total assets | 81.3659% | 3,577 |
| Equity capital to assets | 8.8407% | 4,225 |
| Core capital (leverage) ratio | 8.4773% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9289% | 2,931 |
| Memoranda: | ||
| Average total assets | $126,627,750 | 3,662 |
| Average earning assets | $118,600,250 | 3,628 |
| Average equity | $10,954,500 | 4,091 |
| Average total loans | $102,373,750 | 3,206 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 1,384 |
| Cost of funding earning assets | 1.0363% | 883 |
| Net interest margin | 3.6728% | 2,261 |
| Noninterest income to average assets | 0.3445% | 3,411 |
| Noninterest expense to average assets | 3.2038% | 1,149 |
| Loan and lease loss provision to assets | 0.0957% | 3,075 |
| Net operating income to assets | 0.4433% | 4,141 |
| Return on assets (ROA) | 0.4433% | 4,205 |
| Pretax return on assets | 0.4928% | 4,261 |
| Return on Equity (ROE) | 5.1639% | 3,783 |
| Retained earnings to average equity (ytd only) | -4.1237% | 4,735 |
| Net charge-offs to loans | 0.1443% | 997 |
| Credit loss provision to net charge-offs | 83.3333% | 2,489 |
| Earnings coverage of net charge-offs (x) | 5.1250% | 2,542 |
| Efficiency ratio | 84.4828% | 610 |
| Assets per employee ($millions) | 4.9232% | 3,271 |
| Cash dividends to net income (ytd only)* | 179.8561% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7752% | 4,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 82.3995% | 383 |
| Net loans and leases to deposits | 98.6836% | 619 |
| Net loans and leases to core deposits | 105.4466% | 914 |
| Total domestic deposits to total assets | 83.4987% | 2,929 |
| Equity capital to assets | 8.4444% | 4,507 |
| Core capital (leverage) ratio | 7.7831% | 4,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3399% | 3,117 |
| Memoranda: | ||
| Average total assets | $125,413,000 | 3,657 |
| Average earning assets | $117,731,667 | 3,625 |
| Average equity | $10,767,000 | 4,123 |
| Average total loans | $99,796,000 | 3,235 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 1,431 |
| Cost of funding earning assets | 1.2178% | 725 |
| Net interest margin | 3.5778% | 2,742 |
| Noninterest income to average assets | 0.4222% | 2,957 |
| Noninterest expense to average assets | 3.3065% | 1,214 |
| Loan and lease loss provision to assets | 0.0967% | 2,477 |
| Net operating income to assets | 0.3190% | 4,308 |
| Return on assets (ROA) | 0.3190% | 4,333 |
| Pretax return on assets | 0.3706% | 4,347 |
| Return on Equity (ROE) | 3.6851% | 4,041 |
| Retained earnings to average equity (ytd only) | -14.9265% | 4,894 |
| Net charge-offs to loans | 0.0083% | 2,263 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 72.5000% | 710 |
| Efficiency ratio | 87.6174% | 602 |
| Assets per employee ($millions) | 4.5937% | 3,136 |
| Cash dividends to net income (ytd only)* | 505.0505% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8838% | 4,172 |
| Loan loss allowance to noncurrent loans | 71.0526% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9804% | 1,352 |
| Noncurrent loans to loans | 1.2439% | 1,308 |
| Net loans and leases to total assets | 78.1221% | 962 |
| Net loans and leases to deposits | 93.7034% | 1,102 |
| Net loans and leases to core deposits | 102.1012% | 1,314 |
| Total domestic deposits to total assets | 83.3716% | 2,993 |
| Equity capital to assets | 8.5585% | 4,806 |
| Core capital (leverage) ratio | 7.7953% | 5,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3197% | 3,383 |
| Memoranda: | ||
| Average total assets | $124,118,500 | 3,647 |
| Average earning assets | $116,272,500 | 3,622 |
| Average equity | $10,746,000 | 4,137 |
| Average total loans | $96,545,500 | 3,269 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1599% | 1,086 |
| Cost of funding earning assets | 1.2874% | 791 |
| Net interest margin | 3.8726% | 2,268 |
| Noninterest income to average assets | 0.4993% | 2,744 |
| Noninterest expense to average assets | 3.2340% | 1,435 |
| Loan and lease loss provision to assets | 0.1066% | 1,950 |
| Net operating income to assets | 0.7188% | 3,804 |
| Return on assets (ROA) | 0.7188% | 3,869 |
| Pretax return on assets | 0.7587% | 4,062 |
| Return on Equity (ROE) | 8.1914% | 3,082 |
| Retained earnings to average equity (ytd only) | 0.5974% | 4,515 |
| Net charge-offs to loans | 0.0686% | 2,111 |
| Credit loss provision to net charge-offs | 187.5000% | 1,407 |
| Earnings coverage of net charge-offs (x) | 15.2188% | 2,241 |
| Efficiency ratio | 78.8903% | 1,047 |
| Assets per employee ($millions) | 4.7772% | 2,862 |
| Cash dividends to net income (ytd only)* | 92.7070% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 4,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.0796% | 1,398 |
| Net loans and leases to deposits | 91.9813% | 1,370 |
| Net loans and leases to core deposits | 100.8280% | 1,496 |
| Total domestic deposits to total assets | 82.7121% | 3,299 |
| Equity capital to assets | 8.7571% | 4,800 |
| Core capital (leverage) ratio | 8.2016% | 4,972 |
| Tier 1 risk-based capital ratio | 9.7300% | 5,148 |
| Total risk-based capital ratio | 10.5367% | 5,158 |
| Memoranda: | ||
| Average total assets | $112,555,200 | 3,796 |
| Average earning assets | $104,633,200 | 3,797 |
| Average equity | $9,876,200 | 4,257 |
| Average total loans | $93,304,400 | 3,334 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1725% | 1,101 |
| Cost of funding earning assets | 1.2840% | 824 |
| Net interest margin | 3.8886% | 2,298 |
| Noninterest income to average assets | 0.4949% | 2,762 |
| Noninterest expense to average assets | 3.2663% | 1,339 |
| Loan and lease loss provision to assets | 0.1094% | 1,777 |
| Net operating income to assets | 0.6737% | 4,095 |
| Return on assets (ROA) | 0.6737% | 4,156 |
| Pretax return on assets | 0.7284% | 4,283 |
| Return on Equity (ROE) | 7.6735% | 3,445 |
| Retained earnings to average equity (ytd only) | -2.7148% | 4,972 |
| Net charge-offs to loans | 0.0948% | 1,529 |
| Credit loss provision to net charge-offs | 136.3636% | 1,757 |
| Earnings coverage of net charge-offs (x) | 10.4391% | 2,498 |
| Efficiency ratio | 79.5852% | 955 |
| Assets per employee ($millions) | 4.4299% | 3,307 |
| Cash dividends to net income (ytd only)* | 135.3794% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 4,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 3,905 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 77.8276% | 1,171 |
| Net loans and leases to deposits | 93.6933% | 1,246 |
| Net loans and leases to core deposits | 103.6026% | 1,359 |
| Total domestic deposits to total assets | 83.0664% | 3,143 |
| Equity capital to assets | 8.0463% | 5,116 |
| Core capital (leverage) ratio | 7.7477% | 5,154 |
| Tier 1 risk-based capital ratio | 9.8861% | 5,204 |
| Total risk-based capital ratio | 10.7865% | 5,209 |
| Memoranda: | ||
| Average total assets | $109,642,000 | 3,877 |
| Average earning assets | $101,765,500 | 3,881 |
| Average equity | $9,626,000 | 4,339 |
| Average total loans | $92,797,250 | 3,382 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2904% | 830 |
| Cost of funding earning assets | 1.2638% | 834 |
| Net interest margin | 4.0266% | 1,839 |
| Noninterest income to average assets | 0.4759% | 2,807 |
| Noninterest expense to average assets | 3.2863% | 1,307 |
| Loan and lease loss provision to assets | 0.1129% | 1,666 |
| Net operating income to assets | 0.7543% | 3,812 |
| Return on assets (ROA) | 0.7543% | 3,876 |
| Pretax return on assets | 0.8108% | 4,061 |
| Return on Equity (ROE) | 8.3310% | 3,143 |
| Retained earnings to average equity (ytd only) | -4.1343% | 5,023 |
| Net charge-offs to loans | -0.0043% | 4,087 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0608% | 1,144 |
| Assets per employee ($millions) | 3.9310% | 3,965 |
| Cash dividends to net income (ytd only)* | 149.6259% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 4,007 |
| Loan loss allowance to noncurrent loans | 349.3776% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 2,648 |
| Noncurrent loans to loans | 0.2633% | 3,586 |
| Net loans and leases to total assets | 85.4490% | 258 |
| Net loans and leases to deposits | 105.5982% | 357 |
| Net loans and leases to core deposits | 116.4792% | 665 |
| Total domestic deposits to total assets | 80.9190% | 3,837 |
| Equity capital to assets | 9.0600% | 4,764 |
| Core capital (leverage) ratio | 8.2737% | 5,073 |
| Tier 1 risk-based capital ratio | 11.0647% | 4,882 |
| Total risk-based capital ratio | 12.1172% | 4,886 |
| Memoranda: | ||
| Average total assets | $106,320,000 | 3,950 |
| Average earning assets | $98,594,330 | 3,949 |
| Average equity | $9,626,670 | 4,353 |
| Average total loans | $92,432,330 | 3,402 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1597% | 982 |
| Cost of funding earning assets | 1.1898% | 932 |
| Net interest margin | 3.9700% | 1,949 |
| Noninterest income to average assets | 0.5638% | 2,211 |
| Noninterest expense to average assets | 3.2139% | 1,467 |
| Loan and lease loss provision to assets | 0.1128% | 1,578 |
| Net operating income to assets | 0.8683% | 3,360 |
| Return on assets (ROA) | 0.8683% | 3,409 |
| Pretax return on assets | 0.9247% | 3,676 |
| Return on Equity (ROE) | 9.5930% | 2,554 |
| Retained earnings to average equity (ytd only) | -11.1711% | 5,140 |
| Net charge-offs to loans | -0.0043% | 3,983 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5968% | 1,546 |
| Assets per employee ($millions) | 4.7000% | 2,921 |
| Cash dividends to net income (ytd only)* | 216.4502% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 4,339 |
| Loan loss allowance to noncurrent loans | 324.4000% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 3,694 |
| Noncurrent loans to loans | 0.2625% | 3,623 |
| Net loans and leases to total assets | 87.3414% | 127 |
| Net loans and leases to deposits | 103.4537% | 421 |
| Net loans and leases to core deposits | 109.2045% | 973 |
| Total domestic deposits to total assets | 84.4255% | 2,884 |
| Equity capital to assets | 8.8011% | 4,819 |
| Core capital (leverage) ratio | 8.2836% | 5,110 |
| Tier 1 risk-based capital ratio | 10.8031% | 5,065 |
| Total risk-based capital ratio | 11.8046% | 5,064 |
| Memoranda: | ||
| Average total assets | $106,411,500 | 3,996 |
| Average earning assets | $98,842,000 | 3,988 |
| Average equity | $9,632,000 | 4,382 |
| Average total loans | $92,881,000 | 3,434 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0544% | 939 |
| Cost of funding earning assets | 0.9593% | 889 |
| Net interest margin | 4.0952% | 1,694 |
| Noninterest income to average assets | 0.4743% | 2,975 |
| Noninterest expense to average assets | 3.1006% | 1,791 |
| Loan and lease loss provision to assets | 0.1141% | 1,931 |
| Net operating income to assets | 0.9543% | 3,203 |
| Return on assets (ROA) | 0.9543% | 3,206 |
| Pretax return on assets | 1.0294% | 3,516 |
| Return on Equity (ROE) | 10.5182% | 2,275 |
| Retained earnings to average equity (ytd only) | 1.5086% | 4,529 |
| Net charge-offs to loans | 0.0853% | 1,929 |
| Credit loss provision to net charge-offs | 155.8442% | 1,782 |
| Earnings coverage of net charge-offs (x) | 15.6234% | 2,313 |
| Efficiency ratio | 73.0571% | 1,754 |
| Assets per employee ($millions) | 4.7601% | 2,797 |
| Cash dividends to net income (ytd only)* | 85.6574% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8615% | 4,322 |
| Loan loss allowance to noncurrent loans | 191.1765% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 3,001 |
| Noncurrent loans to loans | 0.4507% | 2,922 |
| Net loans and leases to total assets | 85.7071% | 253 |
| Net loans and leases to deposits | 104.8699% | 432 |
| Net loans and leases to core deposits | 112.4890% | 858 |
| Total domestic deposits to total assets | 81.7270% | 3,712 |
| Equity capital to assets | 9.3103% | 4,311 |
| Core capital (leverage) ratio | 8.5004% | 5,030 |
| Tier 1 risk-based capital ratio | 11.7250% | 4,611 |
| Total risk-based capital ratio | 12.7384% | 4,631 |
| Memoranda: | ||
| Average total assets | $105,205,800 | 4,014 |
| Average earning assets | $96,846,200 | 4,023 |
| Average equity | $9,545,400 | 4,381 |
| Average total loans | $90,320,800 | 3,475 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9836% | 967 |
| Cost of funding earning assets | 0.8999% | 925 |
| Net interest margin | 4.0837% | 1,677 |
| Noninterest income to average assets | 0.4785% | 2,992 |
| Noninterest expense to average assets | 3.1027% | 1,764 |
| Loan and lease loss provision to assets | 0.1139% | 1,783 |
| Net operating income to assets | 0.9621% | 3,258 |
| Return on assets (ROA) | 0.9621% | 3,265 |
| Pretax return on assets | 1.0190% | 3,666 |
| Return on Equity (ROE) | 10.6729% | 2,314 |
| Retained earnings to average equity (ytd only) | 1.0533% | 4,846 |
| Net charge-offs to loans | -0.0074% | 4,317 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2516% | 1,692 |
| Assets per employee ($millions) | 4.8610% | 2,650 |
| Cash dividends to net income (ytd only)* | 90.1314% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 4,267 |
| Loan loss allowance to noncurrent loans | 201.4528% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 3,016 |
| Noncurrent loans to loans | 0.4460% | 3,055 |
| Net loans and leases to total assets | 85.8185% | 276 |
| Net loans and leases to deposits | 109.8141% | 295 |
| Net loans and leases to core deposits | 116.5972% | 691 |
| Total domestic deposits to total assets | 78.1489% | 4,464 |
| Equity capital to assets | 9.0002% | 4,553 |
| Core capital (leverage) ratio | 8.5052% | 5,094 |
| Tier 1 risk-based capital ratio | 11.3838% | 4,851 |
| Total risk-based capital ratio | 12.4414% | 4,851 |
| Memoranda: | ||
| Average total assets | $105,326,500 | 4,048 |
| Average earning assets | $96,902,500 | 4,063 |
| Average equity | $9,494,250 | 4,423 |
| Average total loans | $90,267,250 | 3,506 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 993 |
| Cost of funding earning assets | 0.8479% | 929 |
| Net interest margin | 4.0635% | 1,659 |
| Noninterest income to average assets | 0.4485% | 3,162 |
| Noninterest expense to average assets | 3.1454% | 1,675 |
| Loan and lease loss provision to assets | 0.1145% | 1,730 |
| Net operating income to assets | 0.8722% | 3,574 |
| Return on assets (ROA) | 0.8722% | 3,580 |
| Pretax return on assets | 0.9295% | 3,874 |
| Return on Equity (ROE) | 9.6713% | 2,728 |
| Retained earnings to average equity (ytd only) | -4.8251% | 5,282 |
| Net charge-offs to loans | -0.0112% | 4,352 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0797% | 1,548 |
| Assets per employee ($millions) | 5.0314% | 2,380 |
| Cash dividends to net income (ytd only)* | 149.8906% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 4,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 85.5062% | 304 |
| Net loans and leases to deposits | 106.5854% | 411 |
| Net loans and leases to core deposits | 114.2682% | 783 |
| Total domestic deposits to total assets | 80.2232% | 4,189 |
| Equity capital to assets | 8.8341% | 4,693 |
| Core capital (leverage) ratio | 8.2208% | 5,250 |
| Tier 1 risk-based capital ratio | 11.1311% | 4,984 |
| Total risk-based capital ratio | 12.1628% | 4,988 |
| Memoranda: | ||
| Average total assets | $104,788,000 | 4,096 |
| Average earning assets | $96,468,000 | 4,108 |
| Average equity | $9,450,670 | 4,465 |
| Average total loans | $89,487,000 | 3,530 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7768% | 1,128 |
| Cost of funding earning assets | 0.8100% | 911 |
| Net interest margin | 3.9668% | 1,823 |
| Noninterest income to average assets | 0.4446% | 3,150 |
| Noninterest expense to average assets | 3.1355% | 1,728 |
| Loan and lease loss provision to assets | 0.1150% | 1,643 |
| Net operating income to assets | 0.7973% | 3,709 |
| Return on assets (ROA) | 0.7973% | 3,720 |
| Pretax return on assets | 0.8548% | 3,998 |
| Return on Equity (ROE) | 8.7496% | 3,027 |
| Retained earnings to average equity (ytd only) | -8.0766% | 5,310 |
| Net charge-offs to loans | -0.0361% | 4,825 |
| Credit loss provision to net charge-offs | -375.0000% | 3,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3772% | 1,548 |
| Assets per employee ($millions) | 4.8224% | 2,712 |
| Cash dividends to net income (ytd only)* | 192.3077% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 4,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 85.4496% | 301 |
| Net loans and leases to deposits | 105.2292% | 419 |
| Net loans and leases to core deposits | 111.0055% | 949 |
| Total domestic deposits to total assets | 81.2033% | 4,151 |
| Equity capital to assets | 8.8460% | 4,707 |
| Core capital (leverage) ratio | 8.3454% | 5,234 |
| Tier 1 risk-based capital ratio | 11.3029% | 4,977 |
| Total risk-based capital ratio | 12.3112% | 5,002 |
| Memoranda: | ||
| Average total assets | $104,352,500 | 4,151 |
| Average earning assets | $96,299,500 | 4,153 |
| Average equity | $9,509,000 | 4,505 |
| Average total loans | $88,657,000 | 3,576 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6735% | 1,253 |
| Cost of funding earning assets | 0.6953% | 1,053 |
| Net interest margin | 3.9781% | 1,819 |
| Noninterest income to average assets | 0.4275% | 3,457 |
| Noninterest expense to average assets | 3.0721% | 1,950 |
| Loan and lease loss provision to assets | 0.0992% | 2,243 |
| Net operating income to assets | 0.9166% | 2,618 |
| Return on assets (ROA) | 0.9166% | 2,644 |
| Pretax return on assets | 0.9225% | 3,833 |
| Return on Equity (ROE) | 10.6769% | 1,599 |
| Retained earnings to average equity (ytd only) | 5.2460% | 1,966 |
| Net charge-offs to loans | 0.1621% | 1,504 |
| Credit loss provision to net charge-offs | 73.5294% | 3,039 |
| Earnings coverage of net charge-offs (x) | 7.5735% | 3,025 |
| Efficiency ratio | 75.0424% | 1,758 |
| Assets per employee ($millions) | 4.6642% | 2,929 |
| Cash dividends to net income (ytd only)* | 50.8658% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 4,639 |
| Loan loss allowance to noncurrent loans | 944.8718% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 4,739 |
| Noncurrent loans to loans | 0.0908% | 4,585 |
| Net loans and leases to total assets | 82.9786% | 565 |
| Net loans and leases to deposits | 101.3595% | 631 |
| Net loans and leases to core deposits | 109.8857% | 1,013 |
| Total domestic deposits to total assets | 81.8657% | 3,902 |
| Equity capital to assets | 9.3878% | 4,344 |
| Core capital (leverage) ratio | 8.5784% | 5,066 |
| Tier 1 risk-based capital ratio | 12.2180% | 4,387 |
| Total risk-based capital ratio | 13.2343% | 4,423 |
| Memoranda: | ||
| Average total assets | $100,810,200 | 4,222 |
| Average earning assets | $92,907,600 | 4,222 |
| Average equity | $8,654,200 | 4,675 |
| Average total loans | $83,902,200 | 3,660 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6292% | 1,291 |
| Cost of funding earning assets | 0.6753% | 1,093 |
| Net interest margin | 3.9539% | 1,847 |
| Noninterest income to average assets | 0.4344% | 3,441 |
| Noninterest expense to average assets | 2.9852% | 2,147 |
| Loan and lease loss provision to assets | 0.0930% | 2,227 |
| Net operating income to assets | 1.0044% | 2,535 |
| Return on assets (ROA) | 1.0044% | 2,577 |
| Pretax return on assets | 1.0044% | 3,670 |
| Return on Equity (ROE) | 11.9861% | 1,341 |
| Retained earnings to average equity (ytd only) | 5.7235% | 2,419 |
| Net charge-offs to loans | 0.0432% | 2,575 |
| Credit loss provision to net charge-offs | 259.2593% | 1,102 |
| Earnings coverage of net charge-offs (x) | 30.5919% | 1,536 |
| Efficiency ratio | 73.1207% | 2,021 |
| Assets per employee ($millions) | 4.4788% | 3,181 |
| Cash dividends to net income (ytd only)* | 52.2486% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 4,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 4,576 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 83.7574% | 459 |
| Net loans and leases to deposits | 107.1641% | 368 |
| Net loans and leases to core deposits | 116.5928% | 729 |
| Total domestic deposits to total assets | 78.1581% | 4,700 |
| Equity capital to assets | 8.4310% | 5,326 |
| Core capital (leverage) ratio | 7.7360% | 5,586 |
| Tier 1 risk-based capital ratio | 10.1353% | 5,566 |
| Total risk-based capital ratio | 11.1872% | 5,578 |
| Memoranda: | ||
| Average total assets | $100,359,750 | 4,275 |
| Average earning assets | $92,598,500 | 4,263 |
| Average equity | $8,409,500 | 4,764 |
| Average total loans | $83,407,000 | 3,699 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 1,410 |
| Cost of funding earning assets | 0.6345% | 1,230 |
| Net interest margin | 3.9073% | 1,904 |
| Noninterest income to average assets | 0.4182% | 3,576 |
| Noninterest expense to average assets | 2.9816% | 2,167 |
| Loan and lease loss provision to assets | 0.0804% | 2,379 |
| Net operating income to assets | 0.9108% | 2,857 |
| Return on assets (ROA) | 0.9108% | 2,907 |
| Pretax return on assets | 0.9590% | 3,730 |
| Return on Equity (ROE) | 10.8925% | 1,684 |
| Retained earnings to average equity (ytd only) | 1.3946% | 4,694 |
| Net charge-offs to loans | -0.0024% | 4,195 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1500% | 1,982 |
| Assets per employee ($millions) | 4.5477% | 3,034 |
| Cash dividends to net income (ytd only)* | 87.1965% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 4,376 |
| Loan loss allowance to noncurrent loans | 581.4286% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 4,623 |
| Noncurrent loans to loans | 0.1648% | 4,455 |
| Net loans and leases to total assets | 84.0998% | 438 |
| Net loans and leases to deposits | 106.6764% | 373 |
| Net loans and leases to core deposits | 120.3820% | 546 |
| Total domestic deposits to total assets | 78.8364% | 4,653 |
| Equity capital to assets | 8.3859% | 5,360 |
| Core capital (leverage) ratio | 7.6574% | 5,618 |
| Tier 1 risk-based capital ratio | 9.8924% | 5,654 |
| Total risk-based capital ratio | 10.9576% | 5,657 |
| Memoranda: | ||
| Average total assets | $99,475,330 | 4,319 |
| Average earning assets | $91,726,330 | 4,314 |
| Average equity | $8,317,670 | 4,797 |
| Average total loans | $82,177,000 | 3,738 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 1,457 |
| Cost of funding earning assets | 0.6273% | 1,208 |
| Net interest margin | 3.8383% | 1,991 |
| Noninterest income to average assets | 0.4638% | 3,229 |
| Noninterest expense to average assets | 2.9076% | 2,436 |
| Loan and lease loss provision to assets | 0.0403% | 2,999 |
| Net operating income to assets | 0.9961% | 2,323 |
| Return on assets (ROA) | 0.9961% | 2,374 |
| Pretax return on assets | 1.0445% | 3,183 |
| Return on Equity (ROE) | 11.9302% | 1,260 |
| Retained earnings to average equity (ytd only) | -1.5939% | 5,136 |
| Net charge-offs to loans | -0.0050% | 4,180 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8283% | 2,439 |
| Assets per employee ($millions) | 4.8501% | 2,627 |
| Cash dividends to net income (ytd only)* | 113.3603% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 4,563 |
| Loan loss allowance to noncurrent loans | 280.0000% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 4,110 |
| Noncurrent loans to loans | 0.3387% | 3,885 |
| Net loans and leases to total assets | 80.3874% | 785 |
| Net loans and leases to deposits | 98.8232% | 701 |
| Net loans and leases to core deposits | 112.0084% | 774 |
| Total domestic deposits to total assets | 81.3447% | 4,333 |
| Equity capital to assets | 8.1264% | 5,461 |
| Core capital (leverage) ratio | 7.7167% | 5,657 |
| Tier 1 risk-based capital ratio | 10.4715% | 5,556 |
| Total risk-based capital ratio | 11.5672% | 5,552 |
| Memoranda: | ||
| Average total assets | $99,188,500 | 4,364 |
| Average earning assets | $91,186,000 | 4,367 |
| Average equity | $8,281,500 | 4,846 |
| Average total loans | $80,788,000 | 3,798 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5391% | 1,426 |
| Cost of funding earning assets | 0.5840% | 1,462 |
| Net interest margin | 3.9550% | 1,771 |
| Noninterest income to average assets | 0.4074% | 3,820 |
| Noninterest expense to average assets | 3.0321% | 2,246 |
| Loan and lease loss provision to assets | 0.3784% | 429 |
| Net operating income to assets | 0.5900% | 4,256 |
| Return on assets (ROA) | 0.5929% | 4,348 |
| Pretax return on assets | 0.6292% | 4,711 |
| Return on Equity (ROE) | 6.7853% | 3,593 |
| Retained earnings to average equity (ytd only) | -3.8909% | 5,630 |
| Net charge-offs to loans | 0.3290% | 839 |
| Credit loss provision to net charge-offs | 140.3846% | 1,950 |
| Earnings coverage of net charge-offs (x) | 3.7269% | 3,616 |
| Efficiency ratio | 75.1156% | 2,120 |
| Assets per employee ($millions) | 4.8262% | 2,609 |
| Cash dividends to net income (ytd only)* | 157.3427% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 4,441 |
| Loan loss allowance to noncurrent loans | 324.7899% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 4,318 |
| Noncurrent loans to loans | 0.3016% | 4,059 |
| Net loans and leases to total assets | 80.9560% | 744 |
| Net loans and leases to deposits | 95.2940% | 1,067 |
| Net loans and leases to core deposits | 122.4393% | 415 |
| Total domestic deposits to total assets | 84.9540% | 3,072 |
| Equity capital to assets | 8.5844% | 5,205 |
| Core capital (leverage) ratio | 8.2569% | 5,470 |
| Tier 1 risk-based capital ratio | 11.0234% | 5,336 |
| Total risk-based capital ratio | 12.1593% | 5,277 |
| Memoranda: | ||
| Average total assets | $96,467,600 | 4,419 |
| Average earning assets | $88,520,000 | 4,423 |
| Average equity | $8,430,000 | 4,859 |
| Average total loans | $79,028,200 | 3,821 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 1,496 |
| Cost of funding earning assets | 0.5727% | 1,527 |
| Net interest margin | 3.9394% | 1,856 |
| Noninterest income to average assets | 0.3843% | 4,033 |
| Noninterest expense to average assets | 2.9208% | 2,571 |
| Loan and lease loss provision to assets | 0.5045% | 246 |
| Net operating income to assets | 0.5381% | 4,543 |
| Return on assets (ROA) | 0.5419% | 4,638 |
| Pretax return on assets | 0.5861% | 4,911 |
| Return on Equity (ROE) | 6.1735% | 3,987 |
| Retained earnings to average equity (ytd only) | -6.4256% | 5,778 |
| Net charge-offs to loans | 0.4402% | 486 |
| Credit loss provision to net charge-offs | 139.8467% | 1,870 |
| Earnings coverage of net charge-offs (x) | 3.0115% | 3,479 |
| Efficiency ratio | 72.8872% | 2,453 |
| Assets per employee ($millions) | 5.1957% | 2,150 |
| Cash dividends to net income (ytd only)* | 204.0830% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 4,680 |
| Loan loss allowance to noncurrent loans | 72.1495% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0839% | 1,893 |
| Noncurrent loans to loans | 1.3109% | 1,694 |
| Net loans and leases to total assets | 81.9030% | 635 |
| Net loans and leases to deposits | 101.4327% | 614 |
| Net loans and leases to core deposits | 119.7042% | 516 |
| Total domestic deposits to total assets | 80.7462% | 4,309 |
| Equity capital to assets | 8.5081% | 5,526 |
| Core capital (leverage) ratio | 7.5995% | 5,813 |
| Tier 1 risk-based capital ratio | 10.7347% | 5,506 |
| Total risk-based capital ratio | 11.8513% | 5,490 |
| Memoranda: | ||
| Average total assets | $96,453,500 | 4,451 |
| Average earning assets | $88,708,000 | 4,459 |
| Average equity | $8,466,000 | 4,900 |
| Average total loans | $79,056,500 | 3,847 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4648% | 1,626 |
| Cost of funding earning assets | 0.5689% | 1,553 |
| Net interest margin | 3.8959% | 1,989 |
| Noninterest income to average assets | 0.4054% | 3,835 |
| Noninterest expense to average assets | 2.9091% | 2,647 |
| Loan and lease loss provision to assets | 0.1254% | 1,818 |
| Net operating income to assets | 0.9011% | 2,859 |
| Return on assets (ROA) | 0.9070% | 2,960 |
| Pretax return on assets | 0.9551% | 3,765 |
| Return on Equity (ROE) | 10.2258% | 1,958 |
| Retained earnings to average equity (ytd only) | -8.6236% | 5,851 |
| Net charge-offs to loans | 0.3939% | 577 |
| Credit loss provision to net charge-offs | 38.9610% | 2,777 |
| Earnings coverage of net charge-offs (x) | 3.3377% | 3,124 |
| Efficiency ratio | 73.0325% | 2,513 |
| Assets per employee ($millions) | 4.5708% | 2,911 |
| Cash dividends to net income (ytd only)* | 184.3318% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7271% | 5,460 |
| Loan loss allowance to noncurrent loans | 59.2975% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.0085% | 2,126 |
| Noncurrent loans to loans | 1.2262% | 1,873 |
| Net loans and leases to total assets | 81.6494% | 666 |
| Net loans and leases to deposits | 100.6744% | 641 |
| Net loans and leases to core deposits | 117.3163% | 600 |
| Total domestic deposits to total assets | 81.1025% | 4,245 |
| Equity capital to assets | 8.8148% | 5,390 |
| Core capital (leverage) ratio | 7.8678% | 5,797 |
| Tier 1 risk-based capital ratio | 11.3678% | 5,239 |
| Total risk-based capital ratio | 12.2432% | 5,351 |
| Memoranda: | ||
| Average total assets | $95,698,670 | 4,503 |
| Average earning assets | $87,888,000 | 4,507 |
| Average equity | $8,488,330 | 4,924 |
| Average total loans | $78,200,330 | 3,896 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 1,674 |
| Cost of funding earning assets | 0.5817% | 1,467 |
| Net interest margin | 3.8615% | 2,063 |
| Noninterest income to average assets | 0.4186% | 3,694 |
| Noninterest expense to average assets | 2.9051% | 2,691 |
| Loan and lease loss provision to assets | 0.1256% | 1,688 |
| Net operating income to assets | 0.8707% | 2,895 |
| Return on assets (ROA) | 0.8707% | 3,010 |
| Pretax return on assets | 0.9167% | 3,780 |
| Return on Equity (ROE) | 9.7859% | 2,081 |
| Retained earnings to average equity (ytd only) | -18.4427% | 5,953 |
| Net charge-offs to loans | -0.0051% | 4,301 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5949% | 2,542 |
| Assets per employee ($millions) | 4.5290% | 3,018 |
| Cash dividends to net income (ytd only)* | 288.4615% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 5,054 |
| Loan loss allowance to noncurrent loans | 48.3402% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.5214% | 1,332 |
| Noncurrent loans to loans | 1.8637% | 1,190 |
| Net loans and leases to total assets | 80.8430% | 709 |
| Net loans and leases to deposits | 97.8655% | 766 |
| Net loans and leases to core deposits | 115.0654% | 628 |
| Total domestic deposits to total assets | 82.6063% | 4,034 |
| Equity capital to assets | 8.7805% | 5,356 |
| Core capital (leverage) ratio | 7.8190% | 5,843 |
| Tier 1 risk-based capital ratio | 10.7622% | 5,634 |
| Total risk-based capital ratio | 11.7746% | 5,647 |
| Memoranda: | ||
| Average total assets | $95,555,000 | 4,542 |
| Average earning assets | $87,324,000 | 4,558 |
| Average equity | $8,502,000 | 4,954 |
| Average total loans | $77,827,500 | 3,923 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 1,679 |
| Cost of funding earning assets | 0.5590% | 1,682 |
| Net interest margin | 3.9156% | 1,977 |
| Noninterest income to average assets | 0.3926% | 4,089 |
| Noninterest expense to average assets | 2.8078% | 3,193 |
| Loan and lease loss provision to assets | 0.1087% | 2,177 |
| Net operating income to assets | 1.0406% | 2,172 |
| Return on assets (ROA) | 1.0896% | 2,035 |
| Pretax return on assets | 1.1299% | 2,922 |
| Return on Equity (ROE) | 11.8002% | 1,358 |
| Retained earnings to average equity (ytd only) | 1.3779% | 4,942 |
| Net charge-offs to loans | 0.0222% | 3,821 |
| Credit loss provision to net charge-offs | 588.2353% | 574 |
| Earnings coverage of net charge-offs (x) | 64.2353% | 832 |
| Efficiency ratio | 70.2776% | 3,179 |
| Assets per employee ($millions) | 4.8001% | 2,605 |
| Cash dividends to net income (ytd only)* | 88.3234% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 5,247 |
| Loan loss allowance to noncurrent loans | 347.9167% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 4,784 |
| Noncurrent loans to loans | 0.2459% | 4,552 |
| Net loans and leases to total assets | 80.6231% | 757 |
| Net loans and leases to deposits | 98.6226% | 771 |
| Net loans and leases to core deposits | 115.9397% | 601 |
| Total domestic deposits to total assets | 81.7491% | 4,239 |
| Equity capital to assets | 9.0134% | 5,107 |
| Core capital (leverage) ratio | 8.2027% | 5,698 |
| Tier 1 risk-based capital ratio | 11.5220% | 5,243 |
| Total risk-based capital ratio | 12.5053% | 5,295 |
| Memoranda: | ||
| Average total assets | $91,958,000 | 4,626 |
| Average earning assets | $84,611,000 | 4,619 |
| Average equity | $8,491,400 | 4,960 |
| Average total loans | $76,449,800 | 3,929 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4457% | 1,769 |
| Cost of funding earning assets | 0.5571% | 1,745 |
| Net interest margin | 3.8886% | 2,075 |
| Noninterest income to average assets | 0.3562% | 4,395 |
| Noninterest expense to average assets | 2.7928% | 3,220 |
| Loan and lease loss provision to assets | 0.1026% | 2,142 |
| Net operating income to assets | 1.0003% | 2,468 |
| Return on assets (ROA) | 1.0658% | 2,238 |
| Pretax return on assets | 1.1215% | 3,129 |
| Return on Equity (ROE) | 11.4698% | 1,542 |
| Retained earnings to average equity (ytd only) | -0.8993% | 5,748 |
| Net charge-offs to loans | 0.1192% | 1,927 |
| Credit loss provision to net charge-offs | 102.9412% | 2,205 |
| Earnings coverage of net charge-offs (x) | 11.5888% | 2,474 |
| Efficiency ratio | 70.7390% | 3,090 |
| Assets per employee ($millions) | 4.5193% | 2,973 |
| Cash dividends to net income (ytd only)* | 107.8406% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 5,679 |
| Loan loss allowance to noncurrent loans | 228.5156% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 4,685 |
| Noncurrent loans to loans | 0.3165% | 4,461 |
| Net loans and leases to total assets | 84.6153% | 337 |
| Net loans and leases to deposits | 104.8382% | 413 |
| Net loans and leases to core deposits | 123.7670% | 387 |
| Total domestic deposits to total assets | 80.7104% | 4,544 |
| Equity capital to assets | 8.9752% | 5,326 |
| Core capital (leverage) ratio | 8.2553% | 5,741 |
| Tier 1 risk-based capital ratio | 10.8128% | 5,755 |
| Total risk-based capital ratio | 11.6391% | 5,861 |
| Memoranda: | ||
| Average total assets | $90,947,250 | 4,700 |
| Average earning assets | $84,004,750 | 4,693 |
| Average equity | $8,451,000 | 5,033 |
| Average total loans | $76,045,500 | 3,974 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 1,963 |
| Cost of funding earning assets | 0.5668% | 1,668 |
| Net interest margin | 3.7971% | 2,325 |
| Noninterest income to average assets | 0.3369% | 4,544 |
| Noninterest expense to average assets | 2.6844% | 3,641 |
| Loan and lease loss provision to assets | 0.0893% | 2,326 |
| Net operating income to assets | 1.0362% | 2,198 |
| Return on assets (ROA) | 1.1358% | 1,902 |
| Pretax return on assets | 1.1961% | 2,794 |
| Return on Equity (ROE) | 12.0778% | 1,346 |
| Retained earnings to average equity (ytd only) | -4.1762% | 5,986 |
| Net charge-offs to loans | 0.1962% | 1,278 |
| Credit loss provision to net charge-offs | 54.7945% | 2,651 |
| Earnings coverage of net charge-offs (x) | 7.2466% | 2,690 |
| Efficiency ratio | 69.4573% | 3,425 |
| Assets per employee ($millions) | 4.2801% | 3,339 |
| Cash dividends to net income (ytd only)* | 134.5776% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7003% | 5,818 |
| Loan loss allowance to noncurrent loans | 79.5389% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 2,804 |
| Noncurrent loans to loans | 0.8804% | 2,925 |
| Net loans and leases to total assets | 87.0842% | 186 |
| Net loans and leases to deposits | 104.7845% | 418 |
| Net loans and leases to core deposits | 123.1250% | 390 |
| Total domestic deposits to total assets | 83.1079% | 3,906 |
| Equity capital to assets | 9.3244% | 4,868 |
| Core capital (leverage) ratio | 8.4463% | 5,584 |
| Tier 1 risk-based capital ratio | 11.0350% | 5,694 |
| Total risk-based capital ratio | 11.8431% | 5,833 |
| Memoranda: | ||
| Average total assets | $89,627,670 | 4,777 |
| Average earning assets | $83,274,670 | 4,753 |
| Average equity | $8,428,670 | 5,067 |
| Average total loans | $74,430,670 | 4,046 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 2,494 |
| Cost of funding earning assets | 0.5898% | 1,508 |
| Net interest margin | 3.6010% | 2,998 |
| Noninterest income to average assets | 0.3084% | 4,723 |
| Noninterest expense to average assets | 2.6011% | 3,916 |
| Loan and lease loss provision to assets | 0.0670% | 2,600 |
| Net operating income to assets | 0.9475% | 2,525 |
| Return on assets (ROA) | 0.9475% | 2,661 |
| Pretax return on assets | 0.9966% | 3,520 |
| Return on Equity (ROE) | 10.0325% | 1,992 |
| Retained earnings to average equity (ytd only) | -16.7051% | 6,241 |
| Net charge-offs to loans | -0.0055% | 4,525 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9756% | 3,323 |
| Assets per employee ($millions) | 4.7546% | 2,678 |
| Cash dividends to net income (ytd only)* | 266.5094% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 5,649 |
| Loan loss allowance to noncurrent loans | 314.6597% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 5,102 |
| Noncurrent loans to loans | 0.2606% | 4,850 |
| Net loans and leases to total assets | 80.4665% | 637 |
| Net loans and leases to deposits | 98.2059% | 665 |
| Net loans and leases to core deposits | 116.9850% | 491 |
| Total domestic deposits to total assets | 81.9365% | 4,529 |
| Equity capital to assets | 9.1734% | 5,121 |
| Core capital (leverage) ratio | 8.2380% | 5,786 |
| Tier 1 risk-based capital ratio | 11.9005% | 5,308 |
| Total risk-based capital ratio | 12.8723% | 5,398 |
| Memoranda: | ||
| Average total assets | $89,500,500 | 4,820 |
| Average earning assets | $83,421,500 | 4,788 |
| Average equity | $8,452,500 | 5,103 |
| Average total loans | $72,233,500 | 4,126 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 1,558 |
| Cost of funding earning assets | 0.4930% | 2,736 |
| Net interest margin | 4.1067% | 1,559 |
| Noninterest income to average assets | 0.3669% | 4,457 |
| Noninterest expense to average assets | 2.6375% | 4,098 |
| Loan and lease loss provision to assets | 0.0706% | 3,076 |
| Net operating income to assets | 1.3793% | 1,121 |
| Return on assets (ROA) | 1.3793% | 1,158 |
| Pretax return on assets | 1.4499% | 1,721 |
| Return on Equity (ROE) | 15.6134% | 678 |
| Retained earnings to average equity (ytd only) | 4.6587% | 2,851 |
| Net charge-offs to loans | 0.0566% | 3,698 |
| Credit loss provision to net charge-offs | 150.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 32.3250% | 1,265 |
| Efficiency ratio | 63.4333% | 4,680 |
| Assets per employee ($millions) | 4.9258% | 2,414 |
| Cash dividends to net income (ytd only)* | 70.1620% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 5,719 |
| Loan loss allowance to noncurrent loans | 513.1579% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 5,086 |
| Noncurrent loans to loans | 0.1602% | 5,255 |
| Net loans and leases to total assets | 79.6152% | 796 |
| Net loans and leases to deposits | 105.5804% | 374 |
| Net loans and leases to core deposits | 118.5530% | 445 |
| Total domestic deposits to total assets | 75.4072% | 5,810 |
| Equity capital to assets | 9.7198% | 4,439 |
| Core capital (leverage) ratio | 8.9981% | 5,008 |
| Tier 1 risk-based capital ratio | 11.7483% | 5,515 |
| Total risk-based capital ratio | 12.6394% | 5,646 |
| Memoranda: | ||
| Average total assets | $85,042,800 | 4,938 |
| Average earning assets | $78,506,400 | 4,913 |
| Average equity | $7,512,800 | 5,303 |
| Average total loans | $70,631,600 | 4,161 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 1,458 |
| Cost of funding earning assets | 0.4861% | 2,899 |
| Net interest margin | 4.1548% | 1,413 |
| Noninterest income to average assets | 0.3360% | 4,753 |
| Noninterest expense to average assets | 2.6401% | 4,049 |
| Loan and lease loss provision to assets | 0.0713% | 2,920 |
| Net operating income to assets | 1.3755% | 1,183 |
| Return on assets (ROA) | 1.3755% | 1,226 |
| Pretax return on assets | 1.4579% | 1,784 |
| Return on Equity (ROE) | 15.9925% | 677 |
| Retained earnings to average equity (ytd only) | 3.7771% | 3,968 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3219% | 4,657 |
| Assets per employee ($millions) | 4.8227% | 2,489 |
| Cash dividends to net income (ytd only)* | 76.3830% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 5,822 |
| Loan loss allowance to noncurrent loans | 150.9901% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 4,499 |
| Noncurrent loans to loans | 0.5441% | 4,290 |
| Net loans and leases to total assets | 84.8286% | 271 |
| Net loans and leases to deposits | 110.5476% | 202 |
| Net loans and leases to core deposits | 123.1343% | 326 |
| Total domestic deposits to total assets | 76.7349% | 5,723 |
| Equity capital to assets | 8.6190% | 5,706 |
| Core capital (leverage) ratio | 7.7337% | 6,202 |
| Tier 1 risk-based capital ratio | 9.6160% | 6,420 |
| Total risk-based capital ratio | 10.5094% | 6,446 |
| Memoranda: | ||
| Average total assets | $84,137,500 | 5,014 |
| Average earning assets | $77,627,000 | 4,988 |
| Average equity | $7,236,500 | 5,408 |
| Average total loans | $70,495,750 | 4,202 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 1,548 |
| Cost of funding earning assets | 0.4645% | 3,167 |
| Net interest margin | 4.1286% | 1,432 |
| Noninterest income to average assets | 0.3147% | 4,894 |
| Noninterest expense to average assets | 2.6523% | 4,043 |
| Loan and lease loss provision to assets | 0.0721% | 2,832 |
| Net operating income to assets | 1.3118% | 1,275 |
| Return on assets (ROA) | 1.3118% | 1,325 |
| Pretax return on assets | 1.3910% | 1,926 |
| Return on Equity (ROE) | 15.2628% | 752 |
| Retained earnings to average equity (ytd only) | -3.2985% | 6,115 |
| Net charge-offs to loans | 0.0058% | 4,180 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 304.5000% | 227 |
| Efficiency ratio | 64.4483% | 4,622 |
| Assets per employee ($millions) | 5.1155% | 2,074 |
| Cash dividends to net income (ytd only)* | 121.6117% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 5,948 |
| Loan loss allowance to noncurrent loans | 223.6842% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 5,148 |
| Noncurrent loans to loans | 0.3621% | 4,907 |
| Net loans and leases to total assets | 83.7898% | 314 |
| Net loans and leases to deposits | 106.0346% | 302 |
| Net loans and leases to core deposits | 117.6907% | 429 |
| Total domestic deposits to total assets | 79.0212% | 5,451 |
| Equity capital to assets | 8.2448% | 5,997 |
| Core capital (leverage) ratio | 7.4390% | 6,332 |
| Tier 1 risk-based capital ratio | 9.3216% | 6,512 |
| Total risk-based capital ratio | 10.2099% | 6,533 |
| Memoranda: | ||
| Average total assets | $83,247,330 | 5,073 |
| Average earning assets | $76,636,000 | 5,054 |
| Average equity | $7,154,670 | 5,449 |
| Average total loans | $69,245,000 | 4,260 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 1,498 |
| Cost of funding earning assets | 0.4223% | 3,735 |
| Net interest margin | 4.1807% | 1,269 |
| Noninterest income to average assets | 0.2851% | 5,088 |
| Noninterest expense to average assets | 2.6834% | 3,988 |
| Loan and lease loss provision to assets | 0.0737% | 2,662 |
| Net operating income to assets | 1.2827% | 1,258 |
| Return on assets (ROA) | 1.2827% | 1,305 |
| Pretax return on assets | 1.3712% | 1,848 |
| Return on Equity (ROE) | 14.6075% | 842 |
| Retained earnings to average equity (ytd only) | -12.5367% | 6,430 |
| Net charge-offs to loans | -0.0060% | 4,865 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0000% | 4,692 |
| Assets per employee ($millions) | 4.9515% | 2,305 |
| Cash dividends to net income (ytd only)* | 185.8238% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8299% | 6,042 |
| Loan loss allowance to noncurrent loans | 114.3701% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6035% | 4,334 |
| Noncurrent loans to loans | 0.7257% | 4,052 |
| Net loans and leases to total assets | 82.4758% | 329 |
| Net loans and leases to deposits | 102.1978% | 362 |
| Net loans and leases to core deposits | 109.9734% | 588 |
| Total domestic deposits to total assets | 80.7021% | 5,315 |
| Equity capital to assets | 8.3623% | 5,772 |
| Core capital (leverage) ratio | 7.6668% | 6,279 |
| Tier 1 risk-based capital ratio | 9.6776% | 6,528 |
| Total risk-based capital ratio | 10.5940% | 6,559 |
| Memoranda: | ||
| Average total assets | $81,389,000 | 5,177 |
| Average earning assets | $74,819,500 | 5,151 |
| Average equity | $7,147,000 | 5,483 |
| Average total loans | $67,136,500 | 4,354 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6046% | 1,863 |
| Cost of funding earning assets | 0.4126% | 4,509 |
| Net interest margin | 4.1920% | 1,374 |
| Noninterest income to average assets | 0.3403% | 4,884 |
| Noninterest expense to average assets | 2.6129% | 4,412 |
| Loan and lease loss provision to assets | 0.0782% | 3,546 |
| Net operating income to assets | 1.4082% | 1,006 |
| Return on assets (ROA) | 1.4082% | 1,048 |
| Pretax return on assets | 1.4773% | 1,522 |
| Return on Equity (ROE) | 15.5849% | 679 |
| Retained earnings to average equity (ytd only) | 1.9481% | 4,847 |
| Net charge-offs to loans | 0.1598% | 3,207 |
| Credit loss provision to net charge-offs | 61.2245% | 3,520 |
| Earnings coverage of net charge-offs (x) | 12.1735% | 2,157 |
| Efficiency ratio | 62.6838% | 5,103 |
| Assets per employee ($millions) | 4.6237% | 2,694 |
| Cash dividends to net income (ytd only)* | 87.5000% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 5,985 |
| Loan loss allowance to noncurrent loans | 18,833.3333% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 6,433 |
| Noncurrent loans to loans | 0.0047% | 6,293 |
| Net loans and leases to total assets | 81.0440% | 491 |
| Net loans and leases to deposits | 96.6368% | 693 |
| Net loans and leases to core deposits | 104.1954% | 894 |
| Total domestic deposits to total assets | 83.8645% | 4,214 |
| Equity capital to assets | 9.2299% | 4,770 |
| Core capital (leverage) ratio | 8.2166% | 5,957 |
| Tier 1 risk-based capital ratio | 11.0371% | 6,156 |
| Total risk-based capital ratio | 12.0174% | 6,225 |
| Memoranda: | ||
| Average total assets | $76,696,200 | 5,313 |
| Average earning assets | $70,038,200 | 5,311 |
| Average equity | $6,929,800 | 5,584 |
| Average total loans | $61,311,600 | 4,570 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 2,005 |
| Cost of funding earning assets | 0.4212% | 4,596 |
| Net interest margin | 4.1412% | 1,506 |
| Noninterest income to average assets | 0.3289% | 5,056 |
| Noninterest expense to average assets | 2.6257% | 4,299 |
| Loan and lease loss provision to assets | 0.0787% | 3,487 |
| Net operating income to assets | 1.3347% | 1,256 |
| Return on assets (ROA) | 1.3347% | 1,306 |
| Pretax return on assets | 1.4082% | 1,905 |
| Return on Equity (ROE) | 14.8545% | 824 |
| Retained earnings to average equity (ytd only) | -3.5433% | 6,398 |
| Net charge-offs to loans | 0.2069% | 2,584 |
| Credit loss provision to net charge-offs | 47.8723% | 3,560 |
| Earnings coverage of net charge-offs (x) | 9.0426% | 2,535 |
| Efficiency ratio | 63.8452% | 4,823 |
| Assets per employee ($millions) | 4.7961% | 2,447 |
| Cash dividends to net income (ytd only)* | 123.8531% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 6,123 |
| Loan loss allowance to noncurrent loans | 227.9835% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 1.0269% | 3,592 |
| Noncurrent loans to loans | 0.3832% | 5,250 |
| Net loans and leases to total assets | 81.9125% | 377 |
| Net loans and leases to deposits | 97.4664% | 595 |
| Net loans and leases to core deposits | 105.2598% | 803 |
| Total domestic deposits to total assets | 84.0418% | 4,171 |
| Equity capital to assets | 9.0646% | 5,111 |
| Core capital (leverage) ratio | 7.8780% | 6,289 |
| Tier 1 risk-based capital ratio | 10.4354% | 6,478 |
| Total risk-based capital ratio | 11.3920% | 6,530 |
| Memoranda: | ||
| Average total assets | $76,219,500 | 5,377 |
| Average earning assets | $69,640,000 | 5,372 |
| Average equity | $6,848,500 | 5,681 |
| Average total loans | $60,572,500 | 4,639 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 1,838 |
| Cost of funding earning assets | 0.4237% | 4,719 |
| Net interest margin | 4.1822% | 1,328 |
| Noninterest income to average assets | 0.3051% | 5,271 |
| Noninterest expense to average assets | 2.6563% | 4,199 |
| Loan and lease loss provision to assets | 0.0789% | 3,478 |
| Net operating income to assets | 1.3176% | 1,278 |
| Return on assets (ROA) | 1.3176% | 1,359 |
| Pretax return on assets | 1.3860% | 1,984 |
| Return on Equity (ROE) | 14.7079% | 866 |
| Retained earnings to average equity (ytd only) | -13.0345% | 6,730 |
| Net charge-offs to loans | 0.1275% | 3,101 |
| Credit loss provision to net charge-offs | 78.9474% | 2,651 |
| Earnings coverage of net charge-offs (x) | 14.6579% | 1,813 |
| Efficiency ratio | 64.4544% | 4,793 |
| Assets per employee ($millions) | 4.8303% | 2,327 |
| Cash dividends to net income (ytd only)* | 188.6228% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 5,927 |
| Loan loss allowance to noncurrent loans | 6,611.1111% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 4,275 |
| Noncurrent loans to loans | 0.0147% | 6,385 |
| Net loans and leases to total assets | 78.5260% | 692 |
| Net loans and leases to deposits | 89.4747% | 1,194 |
| Net loans and leases to core deposits | 96.2355% | 1,332 |
| Total domestic deposits to total assets | 87.7633% | 2,408 |
| Equity capital to assets | 8.6318% | 5,634 |
| Core capital (leverage) ratio | 7.6697% | 6,385 |
| Tier 1 risk-based capital ratio | 10.4618% | 6,518 |
| Total risk-based capital ratio | 11.4044% | 6,573 |
| Memoranda: | ||
| Average total assets | $76,046,670 | 5,415 |
| Average earning assets | $69,390,000 | 5,410 |
| Average equity | $6,812,670 | 5,733 |
| Average total loans | $59,626,000 | 4,687 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 2,005 |
| Cost of funding earning assets | 0.4423% | 4,680 |
| Net interest margin | 4.1033% | 1,450 |
| Noninterest income to average assets | 0.3182% | 5,149 |
| Noninterest expense to average assets | 2.6834% | 4,130 |
| Loan and lease loss provision to assets | 0.0795% | 3,313 |
| Net operating income to assets | 1.2356% | 1,419 |
| Return on assets (ROA) | 1.2356% | 1,531 |
| Pretax return on assets | 1.2939% | 2,253 |
| Return on Equity (ROE) | 13.5396% | 1,047 |
| Retained earnings to average equity (ytd only) | -41.3743% | 6,941 |
| Net charge-offs to loans | -0.0136% | 5,556 |
| Credit loss provision to net charge-offs | -750.0000% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1438% | 4,641 |
| Assets per employee ($millions) | 4.7164% | 2,624 |
| Cash dividends to net income (ytd only)* | 405.5794% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 5,787 |
| Loan loss allowance to noncurrent loans | 358.3815% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.8362% | 4,292 |
| Noncurrent loans to loans | 0.2936% | 5,670 |
| Net loans and leases to total assets | 77.2535% | 694 |
| Net loans and leases to deposits | 88.1285% | 1,137 |
| Net loans and leases to core deposits | 95.7384% | 1,216 |
| Total domestic deposits to total assets | 87.6600% | 2,538 |
| Equity capital to assets | 8.6428% | 5,867 |
| Core capital (leverage) ratio | 7.3687% | 6,518 |
| Tier 1 risk-based capital ratio | 10.3912% | 6,608 |
| Total risk-based capital ratio | 11.5596% | 6,623 |
| Memoranda: | ||
| Average total assets | $75,428,000 | 5,473 |
| Average earning assets | $68,725,000 | 5,470 |
| Average equity | $6,883,500 | 5,770 |
| Average total loans | $58,797,500 | 4,744 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 2,303 |
| Cost of funding earning assets | 0.5399% | 4,905 |
| Net interest margin | 4.2335% | 1,568 |
| Noninterest income to average assets | 0.3235% | 5,144 |
| Noninterest expense to average assets | 2.6609% | 4,535 |
| Loan and lease loss provision to assets | 0.0823% | 4,671 |
| Net operating income to assets | 1.3778% | 1,138 |
| Return on assets (ROA) | 1.3778% | 1,256 |
| Pretax return on assets | 1.4504% | 1,848 |
| Return on Equity (ROE) | 14.4671% | 906 |
| Retained earnings to average equity (ytd only) | 1.8714% | 4,900 |
| Net charge-offs to loans | 0.1041% | 4,626 |
| Credit loss provision to net charge-offs | 103.4483% | 2,897 |
| Earnings coverage of net charge-offs (x) | 19.2759% | 1,392 |
| Efficiency ratio | 63.4521% | 4,985 |
| Assets per employee ($millions) | 4.7121% | 2,629 |
| Cash dividends to net income (ytd only)* | 87.0647% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 5,877 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 5,986 |
| Noncurrent loans to loans | 0.2931% | 5,746 |
| Net loans and leases to total assets | 77.0300% | 785 |
| Net loans and leases to deposits | 89.9664% | 1,077 |
| Net loans and leases to core deposits | 97.1382% | 1,213 |
| Total domestic deposits to total assets | 85.6209% | 3,544 |
| Equity capital to assets | 9.6095% | 4,733 |
| Core capital (leverage) ratio | 8.4530% | 5,692 |
| Tier 1 risk-based capital ratio | 11.4949% | 6,108 |
| Total risk-based capital ratio | 12.6064% | 6,159 |
| Memoranda: | ||
| Average total assets | $72,945,000 | 5,549 |
| Average earning assets | $66,683,200 | 5,526 |
| Average equity | $6,946,800 | 5,780 |
| Average total loans | $55,691,200 | 4,879 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7972% | 2,400 |
| Cost of funding earning assets | 0.5547% | 5,051 |
| Net interest margin | 4.2425% | 1,615 |
| Noninterest income to average assets | 0.3318% | 5,150 |
| Noninterest expense to average assets | 2.6691% | 4,502 |
| Loan and lease loss provision to assets | 0.0829% | 4,588 |
| Net operating income to assets | 1.3990% | 1,222 |
| Return on assets (ROA) | 1.3990% | 1,346 |
| Pretax return on assets | 1.4709% | 1,997 |
| Return on Equity (ROE) | 14.7255% | 948 |
| Retained earnings to average equity (ytd only) | -2.2505% | 6,420 |
| Net charge-offs to loans | 0.1335% | 4,052 |
| Credit loss provision to net charge-offs | 81.8182% | 3,568 |
| Earnings coverage of net charge-offs (x) | 15.3276% | 1,771 |
| Efficiency ratio | 63.2038% | 4,946 |
| Assets per employee ($millions) | 4.5626% | 2,804 |
| Cash dividends to net income (ytd only)* | 115.2840% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 5,874 |
| Loan loss allowance to noncurrent loans | 236.9478% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 5,832 |
| Noncurrent loans to loans | 0.4448% | 5,559 |
| Net loans and leases to total assets | 75.8719% | 994 |
| Net loans and leases to deposits | 87.6517% | 1,396 |
| Net loans and leases to core deposits | 94.7986% | 1,507 |
| Total domestic deposits to total assets | 86.5606% | 2,941 |
| Equity capital to assets | 9.6066% | 5,051 |
| Core capital (leverage) ratio | 8.1874% | 6,161 |
| Tier 1 risk-based capital ratio | 11.6249% | 6,158 |
| Total risk-based capital ratio | 12.7716% | 6,185 |
| Memoranda: | ||
| Average total assets | $72,332,750 | 5,626 |
| Average earning assets | $66,342,500 | 5,604 |
| Average equity | $6,872,250 | 5,864 |
| Average total loans | $54,944,500 | 4,954 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 2,603 |
| Cost of funding earning assets | 0.5702% | 5,149 |
| Net interest margin | 4.2054% | 1,734 |
| Noninterest income to average assets | 0.3245% | 5,232 |
| Noninterest expense to average assets | 2.6349% | 4,669 |
| Loan and lease loss provision to assets | 0.0832% | 4,555 |
| Net operating income to assets | 1.4034% | 1,191 |
| Return on assets (ROA) | 1.4034% | 1,324 |
| Pretax return on assets | 1.4728% | 1,947 |
| Return on Equity (ROE) | 14.8271% | 964 |
| Retained earnings to average equity (ytd only) | -7.1498% | 6,726 |
| Net charge-offs to loans | 0.1978% | 3,400 |
| Credit loss provision to net charge-offs | 55.5556% | 3,910 |
| Earnings coverage of net charge-offs (x) | 10.3889% | 2,052 |
| Efficiency ratio | 62.8723% | 5,103 |
| Assets per employee ($millions) | 4.6041% | 2,718 |
| Cash dividends to net income (ytd only)* | 148.2213% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 6,097 |
| Loan loss allowance to noncurrent loans | 9,600.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 6,825 |
| Noncurrent loans to loans | 0.0106% | 6,682 |
| Net loans and leases to total assets | 76.3348% | 927 |
| Net loans and leases to deposits | 89.6871% | 1,175 |
| Net loans and leases to core deposits | 97.0354% | 1,345 |
| Total domestic deposits to total assets | 85.1123% | 3,809 |
| Equity capital to assets | 9.3382% | 5,272 |
| Core capital (leverage) ratio | 7.9952% | 6,286 |
| Tier 1 risk-based capital ratio | 11.7221% | 6,097 |
| Total risk-based capital ratio | 12.8758% | 6,134 |
| Memoranda: | ||
| Average total assets | $72,109,670 | 5,664 |
| Average earning assets | $66,296,000 | 5,635 |
| Average equity | $6,825,330 | 5,897 |
| Average total loans | $54,600,000 | 5,004 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7821% | 2,706 |
| Cost of funding earning assets | 0.5863% | 5,243 |
| Net interest margin | 4.1958% | 1,768 |
| Noninterest income to average assets | 0.2579% | 5,802 |
| Noninterest expense to average assets | 2.6580% | 4,594 |
| Loan and lease loss provision to assets | 0.0841% | 4,329 |
| Net operating income to assets | 1.3010% | 1,459 |
| Return on assets (ROA) | 1.3010% | 1,626 |
| Pretax return on assets | 1.3682% | 2,294 |
| Return on Equity (ROE) | 13.6501% | 1,264 |
| Retained earnings to average equity (ytd only) | -30.4773% | 7,132 |
| Net charge-offs to loans | 0.0075% | 4,627 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 259.0000% | 135 |
| Efficiency ratio | 64.6658% | 4,804 |
| Assets per employee ($millions) | 4.5735% | 2,860 |
| Cash dividends to net income (ytd only)* | 323.2759% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 5,722 |
| Loan loss allowance to noncurrent loans | 503.2787% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 6,468 |
| Noncurrent loans to loans | 0.2281% | 6,235 |
| Net loans and leases to total assets | 72.2614% | 1,354 |
| Net loans and leases to deposits | 83.4709% | 1,731 |
| Net loans and leases to core deposits | 83.4709% | 2,608 |
| Total domestic deposits to total assets | 86.5707% | 3,193 |
| Equity capital to assets | 8.9100% | 5,626 |
| Core capital (leverage) ratio | 7.6659% | 6,515 |
| Tier 1 risk-based capital ratio | 10.6316% | 6,701 |
| Total risk-based capital ratio | 11.8019% | 6,706 |
| Memoranda: | ||
| Average total assets | $71,332,000 | 5,732 |
| Average earning assets | $65,494,000 | 5,703 |
| Average equity | $6,798,500 | 5,934 |
| Average total loans | $53,496,000 | 5,087 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0934% | 2,480 |
| Cost of funding earning assets | 0.7235% | 5,382 |
| Net interest margin | 4.3699% | 1,476 |
| Noninterest income to average assets | 0.3017% | 5,374 |
| Noninterest expense to average assets | 2.6780% | 4,824 |
| Loan and lease loss provision to assets | 0.0866% | 5,517 |
| Net operating income to assets | 1.4159% | 993 |
| Return on assets (ROA) | 2.0413% | 302 |
| Pretax return on assets | 2.1453% | 408 |
| Return on Equity (ROE) | 21.6102% | 198 |
| Retained earnings to average equity (ytd only) | 9.3838% | 701 |
| Net charge-offs to loans | 0.0120% | 6,262 |
| Credit loss provision to net charge-offs | 1,000.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 181.6667% | 187 |
| Efficiency ratio | 62.9881% | 5,304 |
| Assets per employee ($millions) | 4.3430% | 3,177 |
| Cash dividends to net income (ytd only)* | 56.5771% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 5,731 |
| Loan loss allowance to noncurrent loans | 238.0952% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 6,069 |
| Noncurrent loans to loans | 0.4710% | 5,769 |
| Net loans and leases to total assets | 76.1283% | 935 |
| Net loans and leases to deposits | 91.0813% | 1,041 |
| Net loans and leases to core deposits | 98.9543% | 1,265 |
| Total domestic deposits to total assets | 83.5828% | 4,502 |
| Equity capital to assets | 10.1845% | 3,928 |
| Core capital (leverage) ratio | 8.6723% | 5,291 |
| Tier 1 risk-based capital ratio | 11.9200% | 5,881 |
| Total risk-based capital ratio | 13.0170% | 5,968 |
| Memoranda: | ||
| Average total assets | $69,268,000 | 5,765 |
| Average earning assets | $62,610,200 | 5,785 |
| Average equity | $6,543,200 | 6,002 |
| Average total loans | $50,117,000 | 5,262 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1280% | 2,479 |
| Cost of funding earning assets | 0.7475% | 5,482 |
| Net interest margin | 4.3805% | 1,454 |
| Noninterest income to average assets | 0.2890% | 5,542 |
| Noninterest expense to average assets | 2.6699% | 4,842 |
| Loan and lease loss provision to assets | 0.0867% | 5,362 |
| Net operating income to assets | 1.4059% | 1,135 |
| Return on assets (ROA) | 2.2404% | 259 |
| Pretax return on assets | 2.3617% | 323 |
| Return on Equity (ROE) | 24.1917% | 157 |
| Retained earnings to average equity (ytd only) | 7.5508% | 1,688 |
| Net charge-offs to loans | 0.0244% | 5,804 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 90.5533% | 394 |
| Efficiency ratio | 62.9714% | 5,242 |
| Assets per employee ($millions) | 4.3279% | 3,219 |
| Cash dividends to net income (ytd only)* | 68.7875% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 5,928 |
| Loan loss allowance to noncurrent loans | 140.2410% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 5,622 |
| Noncurrent loans to loans | 0.7781% | 5,320 |
| Net loans and leases to total assets | 76.1824% | 952 |
| Net loans and leases to deposits | 90.8330% | 1,126 |
| Net loans and leases to core deposits | 99.6091% | 1,284 |
| Total domestic deposits to total assets | 83.8708% | 4,294 |
| Equity capital to assets | 9.8748% | 4,516 |
| Core capital (leverage) ratio | 8.4758% | 5,745 |
| Tier 1 risk-based capital ratio | 12.3185% | 5,647 |
| Total risk-based capital ratio | 13.4459% | 5,730 |
| Memoranda: | ||
| Average total assets | $69,213,000 | 5,804 |
| Average earning assets | $62,426,750 | 5,826 |
| Average equity | $6,409,750 | 6,082 |
| Average total loans | $49,271,250 | 5,337 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1210% | 2,582 |
| Cost of funding earning assets | 0.7699% | 5,561 |
| Net interest margin | 4.3511% | 1,510 |
| Noninterest income to average assets | 0.3006% | 5,484 |
| Noninterest expense to average assets | 2.6416% | 5,032 |
| Loan and lease loss provision to assets | 0.0867% | 5,228 |
| Net operating income to assets | 1.4271% | 1,030 |
| Return on assets (ROA) | 2.6791% | 141 |
| Pretax return on assets | 2.8265% | 158 |
| Return on Equity (ROE) | 29.5835% | 74 |
| Retained earnings to average equity (ytd only) | 4.0530% | 3,624 |
| Net charge-offs to loans | 0.0042% | 5,825 |
| Credit loss provision to net charge-offs | 3,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 552.0000% | 59 |
| Efficiency ratio | 62.3465% | 5,533 |
| Assets per employee ($millions) | 4.3094% | 3,151 |
| Cash dividends to net income (ytd only)* | 86.2999% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 5,794 |
| Loan loss allowance to noncurrent loans | 224.6094% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 6,205 |
| Noncurrent loans to loans | 0.5078% | 5,884 |
| Net loans and leases to total assets | 72.2886% | 1,735 |
| Net loans and leases to deposits | 87.9422% | 1,507 |
| Net loans and leases to core deposits | 95.0078% | 1,794 |
| Total domestic deposits to total assets | 82.2001% | 5,099 |
| Equity capital to assets | 9.2574% | 5,197 |
| Core capital (leverage) ratio | 7.9456% | 6,362 |
| Tier 1 risk-based capital ratio | 11.3965% | 6,253 |
| Total risk-based capital ratio | 12.5632% | 6,303 |
| Memoranda: | ||
| Average total assets | $69,201,670 | 5,845 |
| Average earning assets | $62,605,330 | 5,871 |
| Average equity | $6,267,000 | 6,153 |
| Average total loans | $47,916,330 | 5,439 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1617% | 2,377 |
| Cost of funding earning assets | 0.7897% | 5,616 |
| Net interest margin | 4.3721% | 1,358 |
| Noninterest income to average assets | 0.2769% | 5,690 |
| Noninterest expense to average assets | 2.6483% | 5,048 |
| Loan and lease loss provision to assets | 0.0865% | 4,924 |
| Net operating income to assets | 1.3963% | 1,068 |
| Return on assets (ROA) | 1.3963% | 1,110 |
| Pretax return on assets | 1.4713% | 1,530 |
| Return on Equity (ROE) | 15.5903% | 727 |
| Retained earnings to average equity (ytd only) | -35.9478% | 7,339 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9630% | 5,527 |
| Assets per employee ($millions) | 4.6683% | 2,626 |
| Cash dividends to net income (ytd only)* | 330.5785% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 5,686 |
| Loan loss allowance to noncurrent loans | 129.2627% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.6198% | 5,723 |
| Noncurrent loans to loans | 0.9199% | 5,194 |
| Net loans and leases to total assets | 66.5719% | 2,867 |
| Net loans and leases to deposits | 82.4015% | 2,291 |
| Net loans and leases to core deposits | 88.1762% | 2,575 |
| Total domestic deposits to total assets | 80.7897% | 5,724 |
| Equity capital to assets | 8.4013% | 6,048 |
| Core capital (leverage) ratio | 7.0832% | 6,966 |
| Tier 1 risk-based capital ratio | 10.3942% | 6,867 |
| Total risk-based capital ratio | 11.5779% | 6,880 |
| Memoranda: | ||
| Average total assets | $69,327,500 | 5,884 |
| Average earning assets | $62,304,500 | 5,926 |
| Average equity | $6,209,000 | 6,178 |
| Average total loans | $46,665,500 | 5,539 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5993% | 1,890 |
| Cost of funding earning assets | 1.0040% | 5,664 |
| Net interest margin | 4.5953% | 1,022 |
| Noninterest income to average assets | 0.3509% | 5,292 |
| Noninterest expense to average assets | 2.4992% | 5,803 |
| Loan and lease loss provision to assets | 0.2400% | 4,883 |
| Net operating income to assets | 1.6814% | 539 |
| Return on assets (ROA) | 1.6742% | 586 |
| Pretax return on assets | 1.7623% | 819 |
| Return on Equity (ROE) | 18.1113% | 374 |
| Retained earnings to average equity (ytd only) | 4.9634% | 2,431 |
| Net charge-offs to loans | 0.0541% | 6,249 |
| Credit loss provision to net charge-offs | 632.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 52.9200% | 441 |
| Efficiency ratio | 55.4245% | 6,664 |
| Assets per employee ($millions) | 4.5753% | 2,746 |
| Cash dividends to net income (ytd only)* | 72.5953% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 5,595 |
| Loan loss allowance to noncurrent loans | 562.8866% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 6,879 |
| Noncurrent loans to loans | 0.2102% | 6,649 |
| Net loans and leases to total assets | 66.4534% | 3,363 |
| Net loans and leases to deposits | 79.1939% | 3,306 |
| Net loans and leases to core deposits | 83.4819% | 3,669 |
| Total domestic deposits to total assets | 83.9123% | 4,394 |
| Equity capital to assets | 9.5221% | 4,377 |
| Core capital (leverage) ratio | 7.9806% | 6,229 |
| Tier 1 risk-based capital ratio | 12.5864% | 4,947 |
| Total risk-based capital ratio | 13.8354% | 4,937 |
| Memoranda: | ||
| Average total assets | $65,821,600 | 6,009 |
| Average earning assets | $59,560,600 | 6,009 |
| Average equity | $6,084,600 | 6,333 |
| Average total loans | $46,236,800 | 5,631 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6592% | 1,852 |
| Cost of funding earning assets | 1.0375% | 5,759 |
| Net interest margin | 4.6217% | 1,004 |
| Noninterest income to average assets | 0.3419% | 5,436 |
| Noninterest expense to average assets | 2.4529% | 5,876 |
| Loan and lease loss provision to assets | 0.3235% | 3,999 |
| Net operating income to assets | 1.6948% | 627 |
| Return on assets (ROA) | 1.6851% | 696 |
| Pretax return on assets | 1.7690% | 980 |
| Return on Equity (ROE) | 18.3742% | 450 |
| Retained earnings to average equity (ytd only) | 0.5136% | 5,591 |
| Net charge-offs to loans | 0.0058% | 6,588 |
| Credit loss provision to net charge-offs | 7,900.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 512.8464% | 62 |
| Efficiency ratio | 53.8427% | 6,802 |
| Assets per employee ($millions) | 4.7522% | 2,524 |
| Cash dividends to net income (ytd only)* | 97.2050% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 5,597 |
| Loan loss allowance to noncurrent loans | 409.3525% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 6,845 |
| Noncurrent loans to loans | 0.2879% | 6,614 |
| Net loans and leases to total assets | 71.7019% | 2,320 |
| Net loans and leases to deposits | 90.6472% | 1,632 |
| Net loans and leases to core deposits | 96.5062% | 2,200 |
| Total domestic deposits to total assets | 79.1000% | 5,999 |
| Equity capital to assets | 9.6466% | 4,624 |
| Core capital (leverage) ratio | 7.9572% | 6,410 |
| Tier 1 risk-based capital ratio | 11.8421% | 5,595 |
| Total risk-based capital ratio | 13.0936% | 5,573 |
| Memoranda: | ||
| Average total assets | $65,119,500 | 6,094 |
| Average earning assets | $59,370,750 | 6,084 |
| Average equity | $5,972,000 | 6,456 |
| Average total loans | $46,257,750 | 5,717 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6385% | 1,990 |
| Cost of funding earning assets | 1.0708% | 5,820 |
| Net interest margin | 4.5678% | 1,067 |
| Noninterest income to average assets | 0.3217% | 5,588 |
| Noninterest expense to average assets | 2.4718% | 5,824 |
| Loan and lease loss provision to assets | 0.3248% | 3,798 |
| Net operating income to assets | 1.6149% | 703 |
| Return on assets (ROA) | 1.6149% | 761 |
| Pretax return on assets | 1.6953% | 1,066 |
| Return on Equity (ROE) | 17.9279% | 466 |
| Retained earnings to average equity (ytd only) | -9.5478% | 6,895 |
| Net charge-offs to loans | 0.0088% | 6,233 |
| Credit loss provision to net charge-offs | 5,250.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 326.5000% | 100 |
| Efficiency ratio | 55.0275% | 6,758 |
| Assets per employee ($millions) | 4.6652% | 2,627 |
| Cash dividends to net income (ytd only)* | 153.2567% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 5,879 |
| Loan loss allowance to noncurrent loans | 102.1782% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.7732% | 5,578 |
| Noncurrent loans to loans | 1.0896% | 5,142 |
| Net loans and leases to total assets | 70.1729% | 2,863 |
| Net loans and leases to deposits | 85.2593% | 2,648 |
| Net loans and leases to core deposits | 90.8356% | 3,149 |
| Total domestic deposits to total assets | 82.3052% | 4,865 |
| Equity capital to assets | 9.1789% | 5,172 |
| Core capital (leverage) ratio | 7.5598% | 6,771 |
| Tier 1 risk-based capital ratio | 11.8233% | 5,465 |
| Total risk-based capital ratio | 13.0676% | 5,443 |
| Memoranda: | ||
| Average total assets | $64,649,000 | 6,154 |
| Average earning assets | $59,022,330 | 6,141 |
| Average equity | $5,823,330 | 6,522 |
| Average total loans | $45,586,000 | 5,788 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6864% | 1,826 |
| Cost of funding earning assets | 1.0701% | 6,040 |
| Net interest margin | 4.6163% | 920 |
| Noninterest income to average assets | 0.3296% | 5,506 |
| Noninterest expense to average assets | 2.5623% | 5,505 |
| Loan and lease loss provision to assets | 0.3172% | 3,515 |
| Net operating income to assets | 1.5610% | 807 |
| Return on assets (ROA) | 1.5610% | 867 |
| Pretax return on assets | 1.6356% | 1,186 |
| Return on Equity (ROE) | 17.4989% | 558 |
| Retained earnings to average equity (ytd only) | -38.2745% | 7,626 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7493% | 6,661 |
| Assets per employee ($millions) | 4.6414% | 2,726 |
| Cash dividends to net income (ytd only)* | 318.7251% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 6,444 |
| Loan loss allowance to noncurrent loans | 114.5679% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 5,959 |
| Noncurrent loans to loans | 0.8762% | 5,561 |
| Net loans and leases to total assets | 70.4217% | 2,820 |
| Net loans and leases to deposits | 83.3257% | 3,055 |
| Net loans and leases to core deposits | 83.4762% | 4,274 |
| Total domestic deposits to total assets | 84.5137% | 3,888 |
| Equity capital to assets | 8.4457% | 6,076 |
| Core capital (leverage) ratio | 7.3584% | 6,981 |
| Tier 1 risk-based capital ratio | 11.2641% | 5,886 |
| Total risk-based capital ratio | 12.2662% | 6,113 |
| Memoranda: | ||
| Average total assets | $64,317,000 | 6,232 |
| Average earning assets | $58,315,000 | 6,233 |
| Average equity | $5,737,500 | 6,600 |
| Average total loans | $45,205,000 | 5,874 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0673% | 1,608 |
| Cost of funding earning assets | 1.3324% | 6,202 |
| Net interest margin | 4.7349% | 788 |
| Noninterest income to average assets | 0.3060% | 5,900 |
| Noninterest expense to average assets | 2.5780% | 5,874 |
| Loan and lease loss provision to assets | 0.1402% | 6,239 |
| Net operating income to assets | 1.8610% | 315 |
| Return on assets (ROA) | 2.2378% | 143 |
| Pretax return on assets | 2.3523% | 202 |
| Return on Equity (ROE) | 22.8479% | 138 |
| Retained earnings to average equity (ytd only) | 9.2683% | 453 |
| Net charge-offs to loans | 0.0136% | 7,028 |
| Credit loss provision to net charge-offs | 1,366.6667% | 220 |
| Earnings coverage of net charge-offs (x) | 204.3333% | 137 |
| Efficiency ratio | 55.1573% | 7,114 |
| Assets per employee ($millions) | 4.5467% | 2,840 |
| Cash dividends to net income (ytd only)* | 59.4347% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 6,690 |
| Loan loss allowance to noncurrent loans | 983.3333% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 7,332 |
| Noncurrent loans to loans | 0.0951% | 7,175 |
| Net loans and leases to total assets | 68.7671% | 3,537 |
| Net loans and leases to deposits | 81.1814% | 3,768 |
| Net loans and leases to core deposits | 95.5054% | 4,516 |
| Total domestic deposits to total assets | 84.7080% | 3,706 |
| Equity capital to assets | 9.4055% | 4,546 |
| Core capital (leverage) ratio | 8.5328% | 5,233 |
| Tier 1 risk-based capital ratio | 13.2096% | 4,008 |
| Total risk-based capital ratio | 14.2245% | 4,106 |
| Memoranda: | ||
| Average total assets | $58,495,200 | 6,409 |
| Average earning assets | $53,961,400 | 6,376 |
| Average equity | $5,729,200 | 6,705 |
| Average total loans | $44,132,400 | 5,925 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1236% | 1,569 |
| Cost of funding earning assets | 1.3854% | 6,288 |
| Net interest margin | 4.7382% | 780 |
| Noninterest income to average assets | 0.2727% | 6,280 |
| Noninterest expense to average assets | 2.6337% | 5,583 |
| Loan and lease loss provision to assets | 0.1911% | 5,468 |
| Net operating income to assets | 1.7696% | 481 |
| Return on assets (ROA) | 2.2864% | 171 |
| Pretax return on assets | 2.3703% | 246 |
| Return on Equity (ROE) | 23.0896% | 170 |
| Retained earnings to average equity (ytd only) | 4.7780% | 2,619 |
| Net charge-offs to loans | 0.0181% | 6,661 |
| Credit loss provision to net charge-offs | 1,366.6667% | 286 |
| Earnings coverage of net charge-offs (x) | 144.6625% | 267 |
| Efficiency ratio | 56.5566% | 6,927 |
| Assets per employee ($millions) | 4.2099% | 3,364 |
| Cash dividends to net income (ytd only)* | 79.3069% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 6,730 |
| Loan loss allowance to noncurrent loans | 266.4516% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 6,848 |
| Noncurrent loans to loans | 0.3405% | 6,677 |
| Net loans and leases to total assets | 76.5347% | 1,885 |
| Net loans and leases to deposits | 92.1832% | 2,203 |
| Net loans and leases to core deposits | 105.1126% | 3,804 |
| Total domestic deposits to total assets | 83.0245% | 4,208 |
| Equity capital to assets | 9.7764% | 4,378 |
| Core capital (leverage) ratio | 8.4137% | 5,649 |
| Tier 1 risk-based capital ratio | 12.3959% | 4,634 |
| Total risk-based capital ratio | 13.4510% | 4,738 |
| Memoranda: | ||
| Average total assets | $57,205,500 | 6,495 |
| Average earning assets | $52,930,500 | 6,458 |
| Average equity | $5,664,750 | 6,794 |
| Average total loans | $44,119,000 | 5,964 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1222% | 1,723 |
| Cost of funding earning assets | 1.4358% | 6,364 |
| Net interest margin | 4.6864% | 816 |
| Noninterest income to average assets | 0.4874% | 4,560 |
| Noninterest expense to average assets | 2.9985% | 4,090 |
| Loan and lease loss provision to assets | 0.2896% | 4,259 |
| Net operating income to assets | 1.4690% | 901 |
| Return on assets (ROA) | 2.2604% | 190 |
| Pretax return on assets | 2.3381% | 281 |
| Return on Equity (ROE) | 22.7259% | 206 |
| Retained earnings to average equity (ytd only) | -4.0125% | 6,142 |
| Net charge-offs to loans | 0.0275% | 6,090 |
| Credit loss provision to net charge-offs | 1,366.6667% | 368 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 450 |
| Efficiency ratio | 62.3348% | 6,194 |
| Assets per employee ($millions) | 3.9899% | 3,699 |
| Cash dividends to net income (ytd only)* | 117.6563% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 6,678 |
| Loan loss allowance to noncurrent loans | 280.9524% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 6,818 |
| Noncurrent loans to loans | 0.3282% | 6,689 |
| Net loans and leases to total assets | 79.4425% | 1,417 |
| Net loans and leases to deposits | 93.1563% | 2,243 |
| Net loans and leases to core deposits | 105.5919% | 3,884 |
| Total domestic deposits to total assets | 85.2787% | 3,123 |
| Equity capital to assets | 9.7372% | 4,296 |
| Core capital (leverage) ratio | 8.1799% | 6,010 |
| Tier 1 risk-based capital ratio | 11.7437% | 5,151 |
| Total risk-based capital ratio | 12.7448% | 5,306 |
| Memoranda: | ||
| Average total assets | $56,628,000 | 6,568 |
| Average earning assets | $52,236,330 | 6,542 |
| Average equity | $5,632,330 | 6,854 |
| Average total loans | $43,651,670 | 6,038 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0306% | 2,231 |
| Cost of funding earning assets | 1.4925% | 6,427 |
| Net interest margin | 4.5381% | 1,054 |
| Noninterest income to average assets | 0.3648% | 5,517 |
| Noninterest expense to average assets | 2.6240% | 5,347 |
| Loan and lease loss provision to assets | 0.3508% | 3,213 |
| Net operating income to assets | 1.5479% | 858 |
| Return on assets (ROA) | 3.1361% | 70 |
| Pretax return on assets | 3.2133% | 103 |
| Return on Equity (ROE) | 31.2096% | 93 |
| Retained earnings to average equity (ytd only) | 1.8851% | 4,805 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4501% | 6,766 |
| Assets per employee ($millions) | 3.9756% | 3,709 |
| Cash dividends to net income (ytd only)* | 93.9597% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 6,744 |
| Loan loss allowance to noncurrent loans | 509.2105% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 6,910 |
| Noncurrent loans to loans | 0.1770% | 7,019 |
| Net loans and leases to total assets | 76.4351% | 2,175 |
| Net loans and leases to deposits | 90.8844% | 2,795 |
| Net loans and leases to core deposits | 104.0909% | 4,128 |
| Total domestic deposits to total assets | 84.1014% | 3,654 |
| Equity capital to assets | 10.0649% | 3,930 |
| Core capital (leverage) ratio | 8.4552% | 5,620 |
| Tier 1 risk-based capital ratio | 12.4471% | 4,574 |
| Total risk-based capital ratio | 13.4480% | 4,695 |
| Memoranda: | ||
| Average total assets | $57,013,000 | 6,581 |
| Average earning assets | $52,797,000 | 6,551 |
| Average equity | $5,729,000 | 6,867 |
| Average total loans | $43,083,500 | 6,089 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6465% | 2,263 |
| Cost of funding earning assets | 2.3492% | 4,931 |
| Net interest margin | 4.2973% | 1,983 |
| Noninterest income to average assets | 0.3537% | 5,898 |
| Noninterest expense to average assets | 2.6247% | 5,557 |
| Loan and lease loss provision to assets | 0.0525% | 6,758 |
| Net operating income to assets | 1.5636% | 898 |
| Return on assets (ROA) | 1.5636% | 870 |
| Pretax return on assets | 1.6354% | 1,295 |
| Return on Equity (ROE) | 16.9186% | 647 |
| Retained earnings to average equity (ytd only) | 4.2249% | 2,491 |
| Net charge-offs to loans | 0.1557% | 4,636 |
| Credit loss provision to net charge-offs | 44.1176% | 6,413 |
| Earnings coverage of net charge-offs (x) | 14.1765% | 2,068 |
| Efficiency ratio | 60.8607% | 6,191 |
| Assets per employee ($millions) | 4.1691% | 3,168 |
| Cash dividends to net income (ytd only)* | 75.0280% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7794% | 7,173 |
| Loan loss allowance to noncurrent loans | 6,740.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 7,286 |
| Noncurrent loans to loans | 0.0116% | 7,503 |
| Net loans and leases to total assets | 73.5004% | 3,228 |
| Net loans and leases to deposits | 88.1428% | 3,783 |
| Net loans and leases to core deposits | 101.9656% | 4,619 |
| Total domestic deposits to total assets | 83.3879% | 3,620 |
| Equity capital to assets | 10.0331% | 3,995 |
| Core capital (leverage) ratio | 8.0285% | 6,442 |
| Tier 1 risk-based capital ratio | 11.4521% | 5,287 |
| Total risk-based capital ratio | 12.2527% | 5,623 |
| Memoranda: | ||
| Average total assets | $57,110,800 | 6,483 |
| Average earning assets | $52,614,000 | 6,479 |
| Average equity | $5,278,200 | 7,052 |
| Average total loans | $43,671,200 | 5,996 |