Home > Whitesville State Bank > Performance and Condition Ratios
Whitesville 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 | 4.9989% | 2,070 |
| Cost of funding earning assets | 1.5020% | 1,935 |
| Net interest margin | 3.4969% | 2,187 |
| Noninterest income to average assets | 1.4000% | 421 |
| Noninterest expense to average assets | 3.9763% | 377 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.4962% | 3,677 |
| Return on assets (ROA) | 0.4962% | 3,678 |
| Pretax return on assets | 0.5937% | 3,640 |
| Return on Equity (ROE) | 11.4500% | 2,108 |
| Retained earnings to average equity (ytd only) | 7.8753% | 1,581 |
| Net charge-offs to loans | 0.1264% | 782 |
| Credit loss provision to net charge-offs | 80.6818% | 2,016 |
| Earnings coverage of net charge-offs (x) | 9.5227% | 2,288 |
| Efficiency ratio | 85.9749% | 566 |
| Assets per employee ($millions) | 3.6770% | 4,245 |
| Cash dividends to net income (ytd only)* | 31.2012% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 2,428 |
| Loan loss allowance to noncurrent loans | 162.3782% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 1,161 |
| Noncurrent loans to loans | 0.7248% | 1,071 |
| Net loans and leases to total assets | 52.8400% | 3,424 |
| Net loans and leases to deposits | 55.9555% | 3,710 |
| Net loans and leases to core deposits | 60.9365% | 3,734 |
| Total domestic deposits to total assets | 94.4300% | 83 |
| Equity capital to assets | 5.0925% | 4,400 |
| Core capital (leverage) ratio | 9.1481% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2436% | 1,037 |
| Memoranda: | ||
| Average total assets | $129,189,000 | 3,558 |
| Average earning assets | $119,305,200 | 3,552 |
| Average equity | $5,599,800 | 4,199 |
| Average total loans | $69,623,400 | 3,558 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 1,985 |
| Cost of funding earning assets | 1.3914% | 1,895 |
| Net interest margin | 3.5438% | 2,123 |
| Noninterest income to average assets | 1.0700% | 575 |
| Noninterest expense to average assets | 3.8838% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4071% | 3,957 |
| Return on assets (ROA) | 0.4071% | 3,947 |
| Pretax return on assets | 0.4600% | 3,977 |
| Return on Equity (ROE) | 9.8300% | 2,689 |
| Retained earnings to average equity (ytd only) | 6.0713% | 2,601 |
| Net charge-offs to loans | 0.1827% | 479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 4.6632% | 2,383 |
| Efficiency ratio | 89.4095% | 396 |
| Assets per employee ($millions) | 3.5730% | 4,304 |
| Cash dividends to net income (ytd only)* | 38.2653% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 2,992 |
| Loan loss allowance to noncurrent loans | 189.2231% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 1,358 |
| Noncurrent loans to loans | 0.5682% | 1,413 |
| Net loans and leases to total assets | 54.0100% | 3,360 |
| Net loans and leases to deposits | 56.0218% | 3,709 |
| Net loans and leases to core deposits | 61.3430% | 3,639 |
| Total domestic deposits to total assets | 96.4100% | 65 |
| Equity capital to assets | 3.1307% | 4,483 |
| Core capital (leverage) ratio | 8.9869% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8331% | 1,130 |
| Memoranda: | ||
| Average total assets | $128,393,500 | 3,579 |
| Average earning assets | $118,437,750 | 3,578 |
| Average equity | $5,314,500 | 4,244 |
| Average total loans | $69,334,500 | 3,569 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7790% | 2,037 |
| Cost of funding earning assets | 1.2399% | 1,883 |
| Net interest margin | 3.5391% | 2,178 |
| Noninterest income to average assets | 1.0400% | 529 |
| Noninterest expense to average assets | 3.8998% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3710% | 4,051 |
| Return on assets (ROA) | 0.3710% | 4,069 |
| Pretax return on assets | 0.4130% | 4,101 |
| Return on Equity (ROE) | 8.2900% | 3,161 |
| Retained earnings to average equity (ytd only) | 4.8053% | 2,993 |
| Net charge-offs to loans | 0.1275% | 578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 6.0227% | 2,144 |
| Efficiency ratio | 90.4228% | 343 |
| Assets per employee ($millions) | 3.6269% | 4,314 |
| Cash dividends to net income (ytd only)* | 42.0168% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 2,684 |
| Loan loss allowance to noncurrent loans | 190.9953% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 1,423 |
| Noncurrent loans to loans | 0.6052% | 1,233 |
| Net loans and leases to total assets | 52.7900% | 3,353 |
| Net loans and leases to deposits | 55.3897% | 3,673 |
| Net loans and leases to core deposits | 60.8228% | 3,584 |
| Total domestic deposits to total assets | 95.3100% | 79 |
| Equity capital to assets | 4.2851% | 4,474 |
| Core capital (leverage) ratio | 8.9381% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1168% | 1,106 |
| Memoranda: | ||
| Average total assets | $128,315,333 | 3,587 |
| Average earning assets | $118,561,000 | 3,585 |
| Average equity | $5,743,667 | 4,224 |
| Average total loans | $69,037,333 | 3,584 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 1,947 |
| Cost of funding earning assets | 1.0963% | 1,759 |
| Net interest margin | 3.5646% | 2,211 |
| Noninterest income to average assets | 1.0500% | 534 |
| Noninterest expense to average assets | 3.7370% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5159% | 3,859 |
| Return on assets (ROA) | 0.5159% | 3,823 |
| Pretax return on assets | 0.6040% | 3,831 |
| Return on Equity (ROE) | 11.3300% | 2,396 |
| Retained earnings to average equity (ytd only) | 7.8763% | 2,254 |
| Net charge-offs to loans | 0.1456% | 471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 7.6800% | 1,746 |
| Efficiency ratio | 86.0870% | 507 |
| Assets per employee ($millions) | 3.5855% | 4,393 |
| Cash dividends to net income (ytd only)* | 30.4878% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,579 |
| Loan loss allowance to noncurrent loans | 288.4615% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 1,718 |
| Noncurrent loans to loans | 0.4146% | 1,688 |
| Net loans and leases to total assets | 52.8100% | 3,289 |
| Net loans and leases to deposits | 55.6251% | 3,586 |
| Net loans and leases to core deposits | 61.2773% | 3,487 |
| Total domestic deposits to total assets | 94.9300% | 96 |
| Equity capital to assets | 4.7289% | 4,461 |
| Core capital (leverage) ratio | 8.9019% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $127,160,000 | 3,642 |
| Average earning assets | $117,487,500 | 3,636 |
| Average equity | $5,789,500 | 4,269 |
| Average total loans | $68,689,000 | 3,630 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0965% | 1,482 |
| Cost of funding earning assets | 0.5431% | 1,144 |
| Net interest margin | 3.5534% | 1,773 |
| Noninterest income to average assets | 1.0300% | 608 |
| Noninterest expense to average assets | 3.8453% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4241% | 4,219 |
| Return on assets (ROA) | 0.4206% | 4,186 |
| Pretax return on assets | 0.4780% | 4,198 |
| Return on Equity (ROE) | 7.1900% | 3,587 |
| Retained earnings to average equity (ytd only) | 4.4690% | 3,245 |
| Net charge-offs to loans | 0.1223% | 632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 7.6582% | 2,298 |
| Efficiency ratio | 88.8623% | 331 |
| Assets per employee ($millions) | 3.4789% | 4,441 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 3,651 |
| Loan loss allowance to noncurrent loans | 215.1515% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 1,627 |
| Noncurrent loans to loans | 0.4343% | 1,620 |
| Net loans and leases to total assets | 54.1000% | 3,192 |
| Net loans and leases to deposits | 58.2203% | 3,443 |
| Net loans and leases to core deposits | 63.9559% | 3,266 |
| Total domestic deposits to total assets | 92.9200% | 424 |
| Equity capital to assets | 4.3716% | 4,473 |
| Core capital (leverage) ratio | 9.1965% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $125,529,200 | 3,683 |
| Average earning assets | $116,367,400 | 3,665 |
| Average equity | $7,339,400 | 4,170 |
| Average total loans | $64,603,200 | 3,664 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9547% | 1,352 |
| Cost of funding earning assets | 0.4665% | 898 |
| Net interest margin | 3.4882% | 1,695 |
| Noninterest income to average assets | 1.0200% | 639 |
| Noninterest expense to average assets | 3.8385% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3795% | 4,270 |
| Return on assets (ROA) | 0.3747% | 4,224 |
| Pretax return on assets | 0.4172% | 4,251 |
| Return on Equity (ROE) | 6.0300% | 3,794 |
| Retained earnings to average equity (ytd only) | 3.4676% | 3,640 |
| Net charge-offs to loans | 0.1131% | 555 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 7.3704% | 2,074 |
| Efficiency ratio | 90.0847% | 314 |
| Assets per employee ($millions) | 3.4124% | 4,499 |
| Cash dividends to net income (ytd only)* | 42.4929% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,492 |
| Loan loss allowance to noncurrent loans | 263.4921% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 1,752 |
| Noncurrent loans to loans | 0.3790% | 1,874 |
| Net loans and leases to total assets | 53.5800% | 3,136 |
| Net loans and leases to deposits | 55.9029% | 3,487 |
| Net loans and leases to core deposits | 61.1530% | 3,293 |
| Total domestic deposits to total assets | 95.8400% | 146 |
| Equity capital to assets | 3.8796% | 4,488 |
| Core capital (leverage) ratio | 9.1124% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2510% | 1,131 |
| Memoranda: | ||
| Average total assets | $125,601,250 | 3,705 |
| Average earning assets | $116,618,000 | 3,690 |
| Average equity | $7,805,500 | 4,160 |
| Average total loans | $63,656,500 | 3,696 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 1,383 |
| Cost of funding earning assets | 0.4427% | 716 |
| Net interest margin | 3.3224% | 1,845 |
| Noninterest income to average assets | 0.9295% | 788 |
| Noninterest expense to average assets | 3.6864% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3212% | 4,251 |
| Return on assets (ROA) | 0.3272% | 4,191 |
| Pretax return on assets | 0.3462% | 4,232 |
| Return on Equity (ROE) | 4.6946% | 3,873 |
| Retained earnings to average equity (ytd only) | 2.4267% | 3,637 |
| Net charge-offs to loans | 0.1180% | 520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 5.8108% | 1,919 |
| Efficiency ratio | 91.5587% | 353 |
| Assets per employee ($millions) | 3.4608% | 4,555 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,351 |
| Loan loss allowance to noncurrent loans | 398.2456% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 2,360 |
| Noncurrent loans to loans | 0.2647% | 2,419 |
| Net loans and leases to total assets | 51.2975% | 3,237 |
| Net loans and leases to deposits | 54.3697% | 3,513 |
| Net loans and leases to core deposits | 59.4877% | 3,307 |
| Total domestic deposits to total assets | 94.3493% | 225 |
| Equity capital to assets | 5.3738% | 4,401 |
| Core capital (leverage) ratio | 8.9653% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,519,333 | 3,735 |
| Average earning assets | $117,926,000 | 3,725 |
| Average equity | $8,818,667 | 4,120 |
| Average total loans | $62,714,333 | 3,746 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 1,632 |
| Cost of funding earning assets | 0.4322% | 713 |
| Net interest margin | 3.1257% | 2,090 |
| Noninterest income to average assets | 0.8597% | 912 |
| Noninterest expense to average assets | 3.6302% | 375 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1569% | 4,393 |
| Return on assets (ROA) | 0.2165% | 4,271 |
| Pretax return on assets | 0.2165% | 4,307 |
| Return on Equity (ROE) | 2.7934% | 4,143 |
| Retained earnings to average equity (ytd only) | 0.7692% | 3,864 |
| Net charge-offs to loans | 0.0130% | 1,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,202 |
| Efficiency ratio | 95.8575% | 334 |
| Assets per employee ($millions) | 3.5524% | 4,544 |
| Cash dividends to net income (ytd only)* | 72.4638% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 3,072 |
| Loan loss allowance to noncurrent loans | 550.7692% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 2,559 |
| Noncurrent loans to loans | 0.2099% | 2,772 |
| Net loans and leases to total assets | 47.8688% | 3,399 |
| Net loans and leases to deposits | 51.4372% | 3,609 |
| Net loans and leases to core deposits | 56.5321% | 3,408 |
| Total domestic deposits to total assets | 93.0626% | 258 |
| Equity capital to assets | 6.6856% | 4,348 |
| Core capital (leverage) ratio | 8.8657% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,485,500 | 3,740 |
| Average earning assets | $119,399,000 | 3,719 |
| Average equity | $9,880,500 | 4,067 |
| Average total loans | $61,776,000 | 3,767 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 2,350 |
| Cost of funding earning assets | 0.4691% | 1,067 |
| Net interest margin | 3.1433% | 2,756 |
| Noninterest income to average assets | 0.8988% | 1,200 |
| Noninterest expense to average assets | 3.5853% | 436 |
| Loan and lease loss provision to assets | -0.0896% | 4,505 |
| Net operating income to assets | 0.3074% | 4,412 |
| Return on assets (ROA) | 0.5243% | 4,077 |
| Pretax return on assets | 0.6317% | 4,059 |
| Return on Equity (ROE) | 5.6493% | 3,852 |
| Retained earnings to average equity (ytd only) | 3.8949% | 3,259 |
| Net charge-offs to loans | 0.0436% | 1,407 |
| Credit loss provision to net charge-offs | -423.0769% | 3,720 |
| Earnings coverage of net charge-offs (x) | 13.2692% | 2,082 |
| Efficiency ratio | 92.7353% | 255 |
| Assets per employee ($millions) | 3.5301% | 4,578 |
| Cash dividends to net income (ytd only)* | 31.0559% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 3,050 |
| Loan loss allowance to noncurrent loans | 362.6263% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 2,491 |
| Noncurrent loans to loans | 0.3213% | 2,442 |
| Net loans and leases to total assets | 47.9211% | 3,502 |
| Net loans and leases to deposits | 53.1910% | 3,650 |
| Net loans and leases to core deposits | 57.8221% | 3,489 |
| Total domestic deposits to total assets | 90.0924% | 916 |
| Equity capital to assets | 8.8217% | 3,789 |
| Core capital (leverage) ratio | 9.2687% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,835,200 | 3,770 |
| Average earning assets | $115,959,200 | 3,738 |
| Average equity | $11,399,600 | 3,992 |
| Average total loans | $59,570,400 | 3,824 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6302% | 2,475 |
| Cost of funding earning assets | 0.4727% | 1,199 |
| Net interest margin | 3.1574% | 2,869 |
| Noninterest income to average assets | 0.8869% | 1,282 |
| Noninterest expense to average assets | 3.4960% | 461 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3328% | 4,470 |
| Return on assets (ROA) | 0.5891% | 4,067 |
| Pretax return on assets | 0.6657% | 4,127 |
| Return on Equity (ROE) | 6.2665% | 3,853 |
| Retained earnings to average equity (ytd only) | 4.5194% | 3,398 |
| Net charge-offs to loans | 0.0722% | 925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 10.6875% | 2,029 |
| Efficiency ratio | 90.3253% | 307 |
| Assets per employee ($millions) | 3.4460% | 4,658 |
| Cash dividends to net income (ytd only)* | 27.8810% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 2,233 |
| Loan loss allowance to noncurrent loans | 389.5735% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 1,799 |
| Noncurrent loans to loans | 0.3463% | 2,540 |
| Net loans and leases to total assets | 48.4575% | 3,579 |
| Net loans and leases to deposits | 53.5060% | 3,780 |
| Net loans and leases to core deposits | 58.4431% | 3,589 |
| Total domestic deposits to total assets | 90.5647% | 526 |
| Equity capital to assets | 9.1677% | 3,685 |
| Core capital (leverage) ratio | 9.2828% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,773,000 | 3,825 |
| Average earning assets | $115,069,750 | 3,787 |
| Average equity | $11,446,750 | 4,039 |
| Average total loans | $59,058,500 | 3,887 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6106% | 2,590 |
| Cost of funding earning assets | 0.4819% | 1,307 |
| Net interest margin | 3.1287% | 2,958 |
| Noninterest income to average assets | 0.8164% | 1,492 |
| Noninterest expense to average assets | 3.3765% | 553 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3415% | 4,475 |
| Return on assets (ROA) | 0.7222% | 3,770 |
| Pretax return on assets | 0.8495% | 3,769 |
| Return on Equity (ROE) | 7.6190% | 3,500 |
| Retained earnings to average equity (ytd only) | 5.8755% | 2,851 |
| Net charge-offs to loans | 0.1198% | 649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 6.9429% | 1,935 |
| Efficiency ratio | 89.3701% | 361 |
| Assets per employee ($millions) | 3.4450% | 4,685 |
| Cash dividends to net income (ytd only)* | 22.8833% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 2,004 |
| Loan loss allowance to noncurrent loans | 502.4540% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6047% | 1,380 |
| Noncurrent loans to loans | 0.2773% | 2,943 |
| Net loans and leases to total assets | 46.7340% | 3,850 |
| Net loans and leases to deposits | 52.6345% | 3,957 |
| Net loans and leases to core deposits | 57.3068% | 3,809 |
| Total domestic deposits to total assets | 88.7896% | 1,392 |
| Equity capital to assets | 9.3752% | 3,444 |
| Core capital (leverage) ratio | 9.3190% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,012,333 | 3,840 |
| Average earning assets | $114,553,000 | 3,803 |
| Average equity | $11,471,333 | 4,051 |
| Average total loans | $58,432,667 | 3,920 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5454% | 2,796 |
| Cost of funding earning assets | 0.4913% | 1,445 |
| Net interest margin | 3.0541% | 3,119 |
| Noninterest income to average assets | 0.8401% | 1,488 |
| Noninterest expense to average assets | 3.4809% | 480 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2112% | 4,627 |
| Return on assets (ROA) | 0.8301% | 3,406 |
| Pretax return on assets | 0.9706% | 3,454 |
| Return on Equity (ROE) | 8.7067% | 3,129 |
| Retained earnings to average equity (ytd only) | 6.9513% | 2,590 |
| Net charge-offs to loans | 0.1716% | 463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 1,788 |
| Efficiency ratio | 93.2735% | 296 |
| Assets per employee ($millions) | 3.3811% | 4,732 |
| Cash dividends to net income (ytd only)* | 20.1613% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 2,028 |
| Loan loss allowance to noncurrent loans | 789.5238% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 1,715 |
| Noncurrent loans to loans | 0.1754% | 3,482 |
| Net loans and leases to total assets | 48.4957% | 3,761 |
| Net loans and leases to deposits | 54.2317% | 3,922 |
| Net loans and leases to core deposits | 58.7349% | 3,786 |
| Total domestic deposits to total assets | 89.4231% | 1,114 |
| Equity capital to assets | 9.0956% | 3,599 |
| Core capital (leverage) ratio | 9.4255% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,509,000 | 3,868 |
| Average earning assets | $113,161,000 | 3,826 |
| Average equity | $11,393,500 | 4,069 |
| Average total loans | $58,260,000 | 3,940 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 1,946 |
| Cost of funding earning assets | 0.6921% | 1,759 |
| Net interest margin | 3.5817% | 2,208 |
| Noninterest income to average assets | 0.8500% | 1,395 |
| Noninterest expense to average assets | 3.6948% | 528 |
| Loan and lease loss provision to assets | 0.1339% | 2,685 |
| Net operating income to assets | 0.3560% | 4,333 |
| Return on assets (ROA) | 0.5375% | 4,036 |
| Pretax return on assets | 0.6098% | 4,057 |
| Return on Equity (ROE) | 5.3403% | 3,802 |
| Retained earnings to average equity (ytd only) | 3.5661% | 3,052 |
| Net charge-offs to loans | 0.2454% | 699 |
| Credit loss provision to net charge-offs | 111.9403% | 2,708 |
| Earnings coverage of net charge-offs (x) | 4.4925% | 2,975 |
| Efficiency ratio | 87.2996% | 478 |
| Assets per employee ($millions) | 3.2583% | 4,736 |
| Cash dividends to net income (ytd only)* | 33.2226% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 1,556 |
| Loan loss allowance to noncurrent loans | 229.5699% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 1,388 |
| Noncurrent loans to loans | 0.6565% | 2,039 |
| Net loans and leases to total assets | 47.5780% | 4,004 |
| Net loans and leases to deposits | 53.0862% | 4,154 |
| Net loans and leases to core deposits | 57.4859% | 4,074 |
| Total domestic deposits to total assets | 89.6240% | 713 |
| Equity capital to assets | 9.9881% | 3,139 |
| Core capital (leverage) ratio | 9.5808% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,996,000 | 3,855 |
| Average earning assets | $105,758,800 | 3,829 |
| Average equity | $11,272,800 | 4,049 |
| Average total loans | $54,600,200 | 4,007 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4264% | 1,784 |
| Cost of funding earning assets | 0.7401% | 1,802 |
| Net interest margin | 3.6863% | 1,993 |
| Noninterest income to average assets | 0.8828% | 1,273 |
| Noninterest expense to average assets | 3.7288% | 503 |
| Loan and lease loss provision to assets | 0.1195% | 2,829 |
| Net operating income to assets | 0.4227% | 4,214 |
| Return on assets (ROA) | 0.6277% | 3,793 |
| Pretax return on assets | 0.7331% | 3,817 |
| Return on Equity (ROE) | 5.9399% | 3,579 |
| Retained earnings to average equity (ytd only) | 4.2395% | 2,931 |
| Net charge-offs to loans | 0.1454% | 1,005 |
| Credit loss provision to net charge-offs | 169.4915% | 2,232 |
| Earnings coverage of net charge-offs (x) | 8.6949% | 2,472 |
| Efficiency ratio | 85.8522% | 509 |
| Assets per employee ($millions) | 3.1595% | 4,796 |
| Cash dividends to net income (ytd only)* | 28.6260% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 1,741 |
| Loan loss allowance to noncurrent loans | 269.8630% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.7754% | 1,492 |
| Noncurrent loans to loans | 0.5187% | 2,498 |
| Net loans and leases to total assets | 48.8039% | 4,170 |
| Net loans and leases to deposits | 55.0311% | 4,295 |
| Net loans and leases to core deposits | 59.2237% | 4,247 |
| Total domestic deposits to total assets | 88.6841% | 902 |
| Equity capital to assets | 10.6547% | 2,669 |
| Core capital (leverage) ratio | 10.2100% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3647% | 859 |
| Memoranda: | ||
| Average total assets | $111,311,500 | 3,861 |
| Average earning assets | $104,492,500 | 3,842 |
| Average equity | $11,762,000 | 4,006 |
| Average total loans | $54,084,500 | 4,046 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6297% | 1,587 |
| Cost of funding earning assets | 0.8028% | 1,811 |
| Net interest margin | 3.8269% | 1,751 |
| Noninterest income to average assets | 0.8163% | 1,391 |
| Noninterest expense to average assets | 3.8244% | 489 |
| Loan and lease loss provision to assets | 0.1810% | 2,215 |
| Net operating income to assets | 0.3229% | 4,376 |
| Return on assets (ROA) | 0.5575% | 3,944 |
| Pretax return on assets | 0.6896% | 3,893 |
| Return on Equity (ROE) | 5.2907% | 3,749 |
| Retained earnings to average equity (ytd only) | 3.5730% | 3,143 |
| Net charge-offs to loans | 0.1912% | 800 |
| Credit loss provision to net charge-offs | 196.0784% | 1,942 |
| Earnings coverage of net charge-offs (x) | 6.2941% | 2,451 |
| Efficiency ratio | 86.8118% | 506 |
| Assets per employee ($millions) | 3.2229% | 4,779 |
| Cash dividends to net income (ytd only)* | 32.4675% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 1,474 |
| Loan loss allowance to noncurrent loans | 303.8168% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7007% | 1,754 |
| Noncurrent loans to loans | 0.4713% | 2,737 |
| Net loans and leases to total assets | 47.2269% | 4,300 |
| Net loans and leases to deposits | 52.9876% | 4,410 |
| Net loans and leases to core deposits | 57.5783% | 4,371 |
| Total domestic deposits to total assets | 89.1282% | 702 |
| Equity capital to assets | 10.3667% | 2,867 |
| Core capital (leverage) ratio | 10.1742% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3909% | 730 |
| Memoranda: | ||
| Average total assets | $110,501,000 | 3,861 |
| Average earning assets | $103,636,000 | 3,847 |
| Average equity | $11,643,000 | 4,028 |
| Average total loans | $53,346,333 | 4,072 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 2,213 |
| Cost of funding earning assets | 0.8523% | 2,103 |
| Net interest margin | 3.6827% | 2,383 |
| Noninterest income to average assets | 0.9430% | 970 |
| Noninterest expense to average assets | 3.9986% | 511 |
| Loan and lease loss provision to assets | 0.1856% | 1,615 |
| Net operating income to assets | 0.1849% | 4,547 |
| Return on assets (ROA) | 0.4492% | 4,068 |
| Pretax return on assets | 0.5049% | 4,111 |
| Return on Equity (ROE) | 4.2269% | 3,894 |
| Retained earnings to average equity (ytd only) | 2.4802% | 3,271 |
| Net charge-offs to loans | 0.1149% | 1,015 |
| Credit loss provision to net charge-offs | 333.3333% | 1,098 |
| Earnings coverage of net charge-offs (x) | 7.0667% | 1,948 |
| Efficiency ratio | 91.0397% | 459 |
| Assets per employee ($millions) | 2.9979% | 4,794 |
| Cash dividends to net income (ytd only)* | 41.3223% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 1,319 |
| Loan loss allowance to noncurrent loans | 485.7143% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.8422% | 1,592 |
| Noncurrent loans to loans | 0.3102% | 3,386 |
| Net loans and leases to total assets | 47.3630% | 4,369 |
| Net loans and leases to deposits | 53.3653% | 4,472 |
| Net loans and leases to core deposits | 58.3381% | 4,419 |
| Total domestic deposits to total assets | 88.7525% | 783 |
| Equity capital to assets | 10.8361% | 3,009 |
| Core capital (leverage) ratio | 10.3016% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1519% | 628 |
| Memoranda: | ||
| Average total assets | $107,739,000 | 3,873 |
| Average earning assets | $100,903,000 | 3,866 |
| Average equity | $11,450,500 | 4,073 |
| Average total loans | $52,224,000 | 4,108 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 2,063 |
| Cost of funding earning assets | 0.9310% | 2,054 |
| Net interest margin | 3.8613% | 2,301 |
| Noninterest income to average assets | 1.0067% | 959 |
| Noninterest expense to average assets | 3.8242% | 648 |
| Loan and lease loss provision to assets | 0.0615% | 2,807 |
| Net operating income to assets | 0.6276% | 4,079 |
| Return on assets (ROA) | 0.6992% | 3,934 |
| Pretax return on assets | 0.7966% | 3,977 |
| Return on Equity (ROE) | 6.9031% | 3,583 |
| Retained earnings to average equity (ytd only) | 5.4085% | 2,221 |
| Net charge-offs to loans | 0.3525% | 566 |
| Credit loss provision to net charge-offs | 34.5745% | 3,241 |
| Earnings coverage of net charge-offs (x) | 4.3670% | 3,222 |
| Efficiency ratio | 83.1174% | 722 |
| Assets per employee ($millions) | 2.9876% | 4,833 |
| Cash dividends to net income (ytd only)* | 21.6509% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,447 |
| Loan loss allowance to noncurrent loans | 237.8981% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8917% | 1,428 |
| Noncurrent loans to loans | 0.5975% | 2,392 |
| Net loans and leases to total assets | 48.1646% | 4,418 |
| Net loans and leases to deposits | 53.9357% | 4,534 |
| Net loans and leases to core deposits | 59.0242% | 4,483 |
| Total domestic deposits to total assets | 89.3001% | 559 |
| Equity capital to assets | 10.4191% | 3,520 |
| Core capital (leverage) ratio | 10.4743% | 2,979 |
| Tier 1 risk-based capital ratio | 21.5574% | 1,080 |
| Total risk-based capital ratio | 22.9415% | 1,033 |
| Memoranda: | ||
| Average total assets | $105,696,600 | 3,903 |
| Average earning assets | $98,387,000 | 3,900 |
| Average equity | $10,705,400 | 4,157 |
| Average total loans | $53,339,200 | 4,116 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 2,050 |
| Cost of funding earning assets | 0.9447% | 2,014 |
| Net interest margin | 3.8783% | 2,334 |
| Noninterest income to average assets | 1.0035% | 928 |
| Noninterest expense to average assets | 3.9087% | 590 |
| Loan and lease loss provision to assets | 0.0824% | 2,260 |
| Net operating income to assets | 0.5334% | 4,442 |
| Return on assets (ROA) | 0.6094% | 4,323 |
| Pretax return on assets | 0.7045% | 4,334 |
| Return on Equity (ROE) | 6.0615% | 4,023 |
| Retained earnings to average equity (ytd only) | 4.5492% | 3,122 |
| Net charge-offs to loans | 0.3412% | 498 |
| Credit loss provision to net charge-offs | 47.4453% | 2,812 |
| Earnings coverage of net charge-offs (x) | 4.0292% | 3,049 |
| Efficiency ratio | 84.8227% | 565 |
| Assets per employee ($millions) | 3.0545% | 4,862 |
| Cash dividends to net income (ytd only)* | 24.9485% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 1,214 |
| Loan loss allowance to noncurrent loans | 259.9349% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 1,478 |
| Noncurrent loans to loans | 0.5815% | 2,544 |
| Net loans and leases to total assets | 47.2832% | 4,533 |
| Net loans and leases to deposits | 52.7456% | 4,680 |
| Net loans and leases to core deposits | 57.2275% | 4,647 |
| Total domestic deposits to total assets | 89.6438% | 396 |
| Equity capital to assets | 10.0879% | 3,931 |
| Core capital (leverage) ratio | 10.3532% | 3,247 |
| Tier 1 risk-based capital ratio | 20.9041% | 1,203 |
| Total risk-based capital ratio | 22.2830% | 1,172 |
| Memoranda: | ||
| Average total assets | $105,232,750 | 3,953 |
| Average earning assets | $97,807,000 | 3,943 |
| Average equity | $10,580,250 | 4,218 |
| Average total loans | $53,536,750 | 4,159 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8775% | 1,825 |
| Cost of funding earning assets | 0.9642% | 1,848 |
| Net interest margin | 3.9132% | 2,207 |
| Noninterest income to average assets | 0.8239% | 1,267 |
| Noninterest expense to average assets | 3.9400% | 579 |
| Loan and lease loss provision to assets | 0.1254% | 1,484 |
| Net operating income to assets | 0.3627% | 4,785 |
| Return on assets (ROA) | 0.3917% | 4,766 |
| Pretax return on assets | 0.4148% | 4,814 |
| Return on Equity (ROE) | 3.9003% | 4,615 |
| Retained earnings to average equity (ytd only) | 2.3633% | 4,000 |
| Net charge-offs to loans | 0.2789% | 607 |
| Credit loss provision to net charge-offs | 86.6667% | 2,165 |
| Earnings coverage of net charge-offs (x) | 3.5200% | 2,834 |
| Efficiency ratio | 88.5516% | 412 |
| Assets per employee ($millions) | 2.9382% | 4,943 |
| Cash dividends to net income (ytd only)* | 39.4089% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 1,009 |
| Loan loss allowance to noncurrent loans | 403.7559% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 1.3236% | 946 |
| Noncurrent loans to loans | 0.3987% | 3,100 |
| Net loans and leases to total assets | 49.6946% | 4,486 |
| Net loans and leases to deposits | 55.9863% | 4,592 |
| Net loans and leases to core deposits | 61.2417% | 4,527 |
| Total domestic deposits to total assets | 88.7621% | 759 |
| Equity capital to assets | 10.1772% | 3,811 |
| Core capital (leverage) ratio | 10.2048% | 3,378 |
| Tier 1 risk-based capital ratio | 20.4034% | 1,273 |
| Total risk-based capital ratio | 21.7755% | 1,214 |
| Memoranda: | ||
| Average total assets | $103,656,000 | 4,007 |
| Average earning assets | $96,033,670 | 4,005 |
| Average equity | $10,409,330 | 4,249 |
| Average total loans | $53,785,000 | 4,181 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8659% | 1,708 |
| Cost of funding earning assets | 0.9740% | 1,684 |
| Net interest margin | 3.8919% | 2,217 |
| Noninterest income to average assets | 0.9825% | 846 |
| Noninterest expense to average assets | 3.9612% | 563 |
| Loan and lease loss provision to assets | 0.2534% | 570 |
| Net operating income to assets | 0.3314% | 4,862 |
| Return on assets (ROA) | 0.3665% | 4,812 |
| Pretax return on assets | 0.4055% | 4,834 |
| Return on Equity (ROE) | 3.6749% | 4,641 |
| Retained earnings to average equity (ytd only) | 2.1111% | 4,040 |
| Net charge-offs to loans | 0.4744% | 322 |
| Credit loss provision to net charge-offs | 101.5625% | 1,556 |
| Earnings coverage of net charge-offs (x) | 2.4844% | 2,490 |
| Efficiency ratio | 86.4681% | 553 |
| Assets per employee ($millions) | 2.8730% | 5,040 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 996 |
| Loan loss allowance to noncurrent loans | 429.0640% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 1.5934% | 723 |
| Noncurrent loans to loans | 0.3818% | 3,220 |
| Net loans and leases to total assets | 50.5695% | 4,431 |
| Net loans and leases to deposits | 56.4145% | 4,579 |
| Net loans and leases to core deposits | 61.7881% | 4,494 |
| Total domestic deposits to total assets | 89.6392% | 584 |
| Equity capital to assets | 10.0872% | 3,732 |
| Core capital (leverage) ratio | 10.2643% | 3,311 |
| Tier 1 risk-based capital ratio | 20.5967% | 1,232 |
| Total risk-based capital ratio | 21.9816% | 1,183 |
| Memoranda: | ||
| Average total assets | $102,596,000 | 4,061 |
| Average earning assets | $94,864,000 | 4,057 |
| Average equity | $10,231,500 | 4,292 |
| Average total loans | $53,965,000 | 4,212 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 1,452 |
| Cost of funding earning assets | 0.7218% | 1,944 |
| Net interest margin | 4.1159% | 1,634 |
| Noninterest income to average assets | 1.1677% | 680 |
| Noninterest expense to average assets | 3.5297% | 961 |
| Loan and lease loss provision to assets | 0.5351% | 215 |
| Net operating income to assets | 0.8127% | 3,754 |
| Return on assets (ROA) | 0.8504% | 3,604 |
| Pretax return on assets | 0.9726% | 3,695 |
| Return on Equity (ROE) | 8.8971% | 3,043 |
| Retained earnings to average equity (ytd only) | 7.3507% | 1,517 |
| Net charge-offs to loans | 0.6802% | 244 |
| Credit loss provision to net charge-offs | 139.9485% | 1,932 |
| Earnings coverage of net charge-offs (x) | 3.8299% | 3,375 |
| Efficiency ratio | 70.6788% | 2,079 |
| Assets per employee ($millions) | 2.8268% | 5,081 |
| Cash dividends to net income (ytd only)* | 17.3812% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 1,053 |
| Loan loss allowance to noncurrent loans | 317.5182% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 1.4445% | 819 |
| Noncurrent loans to loans | 0.5004% | 2,774 |
| Net loans and leases to total assets | 52.9519% | 4,354 |
| Net loans and leases to deposits | 58.9105% | 4,530 |
| Net loans and leases to core deposits | 64.9096% | 4,414 |
| Total domestic deposits to total assets | 89.8854% | 514 |
| Equity capital to assets | 9.8561% | 3,810 |
| Core capital (leverage) ratio | 10.2525% | 3,301 |
| Tier 1 risk-based capital ratio | 19.6535% | 1,371 |
| Total risk-based capital ratio | 21.0168% | 1,314 |
| Memoranda: | ||
| Average total assets | $101,482,200 | 4,077 |
| Average earning assets | $94,341,800 | 4,060 |
| Average equity | $9,699,800 | 4,349 |
| Average total loans | $57,045,000 | 4,161 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8059% | 1,411 |
| Cost of funding earning assets | 0.6882% | 1,919 |
| Net interest margin | 4.1178% | 1,578 |
| Noninterest income to average assets | 1.1399% | 726 |
| Noninterest expense to average assets | 3.5564% | 911 |
| Loan and lease loss provision to assets | 0.3708% | 355 |
| Net operating income to assets | 0.9025% | 3,514 |
| Return on assets (ROA) | 0.9387% | 3,357 |
| Pretax return on assets | 1.0860% | 3,449 |
| Return on Equity (ROE) | 9.8987% | 2,663 |
| Retained earnings to average equity (ytd only) | 8.3736% | 1,484 |
| Net charge-offs to loans | 0.8655% | 165 |
| Credit loss provision to net charge-offs | 75.4011% | 2,577 |
| Earnings coverage of net charge-offs (x) | 2.8770% | 3,210 |
| Efficiency ratio | 71.5419% | 1,956 |
| Assets per employee ($millions) | 2.8099% | 5,150 |
| Cash dividends to net income (ytd only)* | 15.4058% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 3,088 |
| Loan loss allowance to noncurrent loans | 287.0968% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 1.3860% | 967 |
| Noncurrent loans to loans | 0.3894% | 3,261 |
| Net loans and leases to total assets | 54.4778% | 4,333 |
| Net loans and leases to deposits | 60.4157% | 4,523 |
| Net loans and leases to core deposits | 66.1906% | 4,401 |
| Total domestic deposits to total assets | 90.1715% | 453 |
| Equity capital to assets | 9.5685% | 4,019 |
| Core capital (leverage) ratio | 10.1376% | 3,484 |
| Tier 1 risk-based capital ratio | 19.0167% | 1,531 |
| Total risk-based capital ratio | 20.2875% | 1,501 |
| Memoranda: | ||
| Average total assets | $101,411,750 | 4,118 |
| Average earning assets | $94,353,250 | 4,102 |
| Average equity | $9,617,250 | 4,401 |
| Average total loans | $57,617,250 | 4,194 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7086% | 1,482 |
| Cost of funding earning assets | 0.6527% | 1,915 |
| Net interest margin | 4.0559% | 1,685 |
| Noninterest income to average assets | 1.1311% | 748 |
| Noninterest expense to average assets | 3.3695% | 1,183 |
| Loan and lease loss provision to assets | 0.3094% | 448 |
| Net operating income to assets | 1.0104% | 2,971 |
| Return on assets (ROA) | 1.0444% | 2,827 |
| Pretax return on assets | 1.2769% | 2,605 |
| Return on Equity (ROE) | 11.0455% | 2,091 |
| Retained earnings to average equity (ytd only) | 9.5867% | 1,042 |
| Net charge-offs to loans | 0.2232% | 717 |
| Credit loss provision to net charge-offs | 241.5385% | 1,168 |
| Earnings coverage of net charge-offs (x) | 12.0615% | 2,229 |
| Efficiency ratio | 68.5646% | 2,550 |
| Assets per employee ($millions) | 2.8102% | 5,212 |
| Cash dividends to net income (ytd only)* | 13.2075% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 1,684 |
| Loan loss allowance to noncurrent loans | 65.8776% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.7961% | 651 |
| Noncurrent loans to loans | 2.1537% | 656 |
| Net loans and leases to total assets | 55.4267% | 4,208 |
| Net loans and leases to deposits | 61.4674% | 4,454 |
| Net loans and leases to core deposits | 66.8913% | 4,319 |
| Total domestic deposits to total assets | 90.1726% | 516 |
| Equity capital to assets | 9.5684% | 4,036 |
| Core capital (leverage) ratio | 9.9617% | 3,618 |
| Tier 1 risk-based capital ratio | 18.0305% | 1,789 |
| Total risk-based capital ratio | 19.3971% | 1,717 |
| Memoranda: | ||
| Average total assets | $101,497,330 | 4,152 |
| Average earning assets | $94,677,670 | 4,133 |
| Average equity | $9,596,670 | 4,438 |
| Average total loans | $58,246,330 | 4,212 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6744% | 1,365 |
| Cost of funding earning assets | 0.6280% | 1,860 |
| Net interest margin | 4.0464% | 1,575 |
| Noninterest income to average assets | 1.1095% | 757 |
| Noninterest expense to average assets | 3.2342% | 1,490 |
| Loan and lease loss provision to assets | 0.3620% | 329 |
| Net operating income to assets | 1.0194% | 2,784 |
| Return on assets (ROA) | 1.0505% | 2,659 |
| Pretax return on assets | 1.3299% | 2,248 |
| Return on Equity (ROE) | 11.1774% | 1,895 |
| Retained earnings to average equity (ytd only) | 9.9215% | 1,186 |
| Net charge-offs to loans | 0.2444% | 628 |
| Credit loss provision to net charge-offs | 255.5556% | 898 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,833 |
| Efficiency ratio | 66.1836% | 3,129 |
| Assets per employee ($millions) | 2.8548% | 5,249 |
| Cash dividends to net income (ytd only)* | 11.2360% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 2,108 |
| Loan loss allowance to noncurrent loans | 71.5877% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.3924% | 1,047 |
| Noncurrent loans to loans | 1.8556% | 889 |
| Net loans and leases to total assets | 55.7252% | 4,142 |
| Net loans and leases to deposits | 61.5619% | 4,367 |
| Net loans and leases to core deposits | 66.9484% | 4,257 |
| Total domestic deposits to total assets | 90.5190% | 469 |
| Equity capital to assets | 9.2407% | 4,328 |
| Core capital (leverage) ratio | 9.8301% | 3,730 |
| Tier 1 risk-based capital ratio | 17.5189% | 1,968 |
| Total risk-based capital ratio | 18.8859% | 1,887 |
| Memoranda: | ||
| Average total assets | $101,663,000 | 4,203 |
| Average earning assets | $94,899,500 | 4,175 |
| Average equity | $9,555,000 | 4,492 |
| Average total loans | $58,929,500 | 4,224 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 2,108 |
| Cost of funding earning assets | 0.6111% | 1,528 |
| Net interest margin | 3.7605% | 2,560 |
| Noninterest income to average assets | 1.0396% | 940 |
| Noninterest expense to average assets | 3.5184% | 1,001 |
| Loan and lease loss provision to assets | 0.3581% | 437 |
| Net operating income to assets | 0.4337% | 4,576 |
| Return on assets (ROA) | 0.4524% | 4,556 |
| Pretax return on assets | 0.6989% | 4,510 |
| Return on Equity (ROE) | 4.9845% | 4,162 |
| Retained earnings to average equity (ytd only) | 3.7119% | 3,004 |
| Net charge-offs to loans | 0.3332% | 761 |
| Credit loss provision to net charge-offs | 187.8788% | 1,449 |
| Earnings coverage of net charge-offs (x) | 5.3939% | 3,336 |
| Efficiency ratio | 77.3873% | 1,438 |
| Assets per employee ($millions) | 2.7931% | 5,327 |
| Cash dividends to net income (ytd only)* | 25.5319% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 2,817 |
| Loan loss allowance to noncurrent loans | 52.1517% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.9313% | 602 |
| Noncurrent loans to loans | 2.2920% | 618 |
| Net loans and leases to total assets | 58.7775% | 3,941 |
| Net loans and leases to deposits | 65.1657% | 4,246 |
| Net loans and leases to core deposits | 70.6210% | 4,135 |
| Total domestic deposits to total assets | 90.1971% | 502 |
| Equity capital to assets | 9.5602% | 4,179 |
| Core capital (leverage) ratio | 9.4125% | 4,146 |
| Tier 1 risk-based capital ratio | 16.8257% | 2,151 |
| Total risk-based capital ratio | 18.0855% | 2,100 |
| Memoranda: | ||
| Average total assets | $103,882,200 | 4,169 |
| Average earning assets | $96,876,600 | 4,150 |
| Average equity | $9,429,200 | 4,536 |
| Average total loans | $59,420,000 | 4,213 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 2,292 |
| Cost of funding earning assets | 0.5967% | 1,547 |
| Net interest margin | 3.6933% | 2,781 |
| Noninterest income to average assets | 1.0275% | 965 |
| Noninterest expense to average assets | 3.2965% | 1,355 |
| Loan and lease loss provision to assets | 0.3527% | 422 |
| Net operating income to assets | 0.5879% | 4,431 |
| Return on assets (ROA) | 0.6264% | 4,341 |
| Pretax return on assets | 0.8760% | 4,122 |
| Return on Equity (ROE) | 6.9910% | 3,667 |
| Retained earnings to average equity (ytd only) | 5.7122% | 2,424 |
| Net charge-offs to loans | 0.2068% | 1,037 |
| Credit loss provision to net charge-offs | 301.0870% | 977 |
| Earnings coverage of net charge-offs (x) | 10.0329% | 2,639 |
| Efficiency ratio | 73.7187% | 1,938 |
| Assets per employee ($millions) | 2.8022% | 5,388 |
| Cash dividends to net income (ytd only)* | 18.2932% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 2,859 |
| Loan loss allowance to noncurrent loans | 97.3190% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 1,436 |
| Noncurrent loans to loans | 1.2455% | 1,532 |
| Net loans and leases to total assets | 58.6548% | 4,000 |
| Net loans and leases to deposits | 65.0567% | 4,317 |
| Net loans and leases to core deposits | 70.5223% | 4,213 |
| Total domestic deposits to total assets | 90.1596% | 420 |
| Equity capital to assets | 9.6025% | 4,344 |
| Core capital (leverage) ratio | 9.3645% | 4,332 |
| Tier 1 risk-based capital ratio | 17.2945% | 2,065 |
| Total risk-based capital ratio | 18.5550% | 2,018 |
| Memoranda: | ||
| Average total assets | $104,714,750 | 4,200 |
| Average earning assets | $97,650,750 | 4,173 |
| Average equity | $9,383,250 | 4,591 |
| Average total loans | $59,320,750 | 4,260 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1665% | 2,602 |
| Cost of funding earning assets | 0.5825% | 1,560 |
| Net interest margin | 3.5840% | 3,095 |
| Noninterest income to average assets | 1.0189% | 978 |
| Noninterest expense to average assets | 3.2002% | 1,581 |
| Loan and lease loss provision to assets | 0.2359% | 725 |
| Net operating income to assets | 0.6624% | 4,015 |
| Return on assets (ROA) | 0.6868% | 3,965 |
| Pretax return on assets | 0.9604% | 3,723 |
| Return on Equity (ROE) | 7.8431% | 3,127 |
| Retained earnings to average equity (ytd only) | 6.5503% | 1,815 |
| Net charge-offs to loans | 0.2368% | 860 |
| Credit loss provision to net charge-offs | 178.5714% | 1,362 |
| Earnings coverage of net charge-offs (x) | 8.8000% | 2,482 |
| Efficiency ratio | 73.3564% | 2,119 |
| Assets per employee ($millions) | 2.9525% | 5,317 |
| Cash dividends to net income (ytd only)* | 16.4835% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 4,165 |
| Loan loss allowance to noncurrent loans | 74.3142% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.3266% | 1,229 |
| Noncurrent loans to loans | 1.3415% | 1,439 |
| Net loans and leases to total assets | 55.6850% | 4,253 |
| Net loans and leases to deposits | 61.3559% | 4,540 |
| Net loans and leases to core deposits | 67.4135% | 4,388 |
| Total domestic deposits to total assets | 90.7573% | 277 |
| Equity capital to assets | 8.9661% | 4,935 |
| Core capital (leverage) ratio | 9.2615% | 4,411 |
| Tier 1 risk-based capital ratio | 15.8390% | 2,570 |
| Total risk-based capital ratio | 16.8234% | 2,609 |
| Memoranda: | ||
| Average total assets | $105,993,000 | 4,208 |
| Average earning assets | $98,884,670 | 4,184 |
| Average equity | $9,282,000 | 4,627 |
| Average total loans | $59,128,670 | 4,288 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0936% | 2,676 |
| Cost of funding earning assets | 0.5674% | 1,604 |
| Net interest margin | 3.5262% | 3,176 |
| Noninterest income to average assets | 1.0657% | 883 |
| Noninterest expense to average assets | 3.1593% | 1,720 |
| Loan and lease loss provision to assets | 0.2456% | 620 |
| Net operating income to assets | 0.6613% | 3,874 |
| Return on assets (ROA) | 0.7407% | 3,569 |
| Pretax return on assets | 1.0619% | 3,122 |
| Return on Equity (ROE) | 8.5608% | 2,640 |
| Retained earnings to average equity (ytd only) | 7.2505% | 1,768 |
| Net charge-offs to loans | 0.1224% | 1,186 |
| Credit loss provision to net charge-offs | 361.1111% | 701 |
| Earnings coverage of net charge-offs (x) | 17.5556% | 1,598 |
| Efficiency ratio | 72.5694% | 2,476 |
| Assets per employee ($millions) | 2.9639% | 5,383 |
| Cash dividends to net income (ytd only)* | 15.3061% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 4,253 |
| Loan loss allowance to noncurrent loans | 64.2623% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.5183% | 1,047 |
| Noncurrent loans to loans | 1.5627% | 1,257 |
| Net loans and leases to total assets | 54.3252% | 4,313 |
| Net loans and leases to deposits | 60.1721% | 4,553 |
| Net loans and leases to core deposits | 66.8385% | 4,374 |
| Total domestic deposits to total assets | 90.2830% | 548 |
| Equity capital to assets | 8.6851% | 5,082 |
| Core capital (leverage) ratio | 9.1773% | 4,516 |
| Tier 1 risk-based capital ratio | 15.8097% | 2,617 |
| Total risk-based capital ratio | 16.7950% | 2,665 |
| Memoranda: | ||
| Average total assets | $105,845,000 | 4,249 |
| Average earning assets | $98,689,500 | 4,218 |
| Average equity | $9,158,000 | 4,688 |
| Average total loans | $58,801,500 | 4,329 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 2,711 |
| Cost of funding earning assets | 0.6125% | 1,258 |
| Net interest margin | 3.5228% | 3,344 |
| Noninterest income to average assets | 0.6966% | 2,190 |
| Noninterest expense to average assets | 3.3546% | 1,458 |
| Loan and lease loss provision to assets | 0.2192% | 1,006 |
| Net operating income to assets | 0.3510% | 5,083 |
| Return on assets (ROA) | 0.4489% | 4,881 |
| Pretax return on assets | 0.5184% | 4,989 |
| Return on Equity (ROE) | 5.1055% | 4,375 |
| Retained earnings to average equity (ytd only) | 3.9023% | 3,149 |
| Net charge-offs to loans | 0.5163% | 476 |
| Credit loss provision to net charge-offs | 77.1812% | 3,018 |
| Earnings coverage of net charge-offs (x) | 2.2013% | 3,866 |
| Efficiency ratio | 84.2912% | 983 |
| Assets per employee ($millions) | 2.9164% | 5,413 |
| Cash dividends to net income (ytd only)* | 23.5669% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 4,722 |
| Loan loss allowance to noncurrent loans | 87.5405% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.1839% | 1,528 |
| Noncurrent loans to loans | 1.0466% | 1,983 |
| Net loans and leases to total assets | 55.7282% | 4,291 |
| Net loans and leases to deposits | 61.1872% | 4,601 |
| Net loans and leases to core deposits | 67.9823% | 4,400 |
| Total domestic deposits to total assets | 91.0782% | 255 |
| Equity capital to assets | 8.6189% | 5,177 |
| Core capital (leverage) ratio | 8.9811% | 4,763 |
| Tier 1 risk-based capital ratio | 15.2082% | 2,882 |
| Total risk-based capital ratio | 16.1063% | 2,965 |
| Memoranda: | ||
| Average total assets | $104,931,400 | 4,259 |
| Average earning assets | $97,792,600 | 4,241 |
| Average equity | $9,225,400 | 4,709 |
| Average total loans | $57,714,600 | 4,355 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1108% | 2,837 |
| Cost of funding earning assets | 0.6231% | 1,185 |
| Net interest margin | 3.4877% | 3,516 |
| Noninterest income to average assets | 0.6685% | 2,324 |
| Noninterest expense to average assets | 3.3918% | 1,359 |
| Loan and lease loss provision to assets | 0.1716% | 1,321 |
| Net operating income to assets | 0.2942% | 5,297 |
| Return on assets (ROA) | 0.4029% | 5,106 |
| Pretax return on assets | 0.4867% | 5,151 |
| Return on Equity (ROE) | 4.5597% | 4,697 |
| Retained earnings to average equity (ytd only) | 3.6966% | 3,674 |
| Net charge-offs to loans | 0.4485% | 472 |
| Credit loss provision to net charge-offs | 69.9482% | 2,788 |
| Earnings coverage of net charge-offs (x) | 2.1502% | 3,612 |
| Efficiency ratio | 86.5435% | 784 |
| Assets per employee ($millions) | 2.8586% | 5,503 |
| Cash dividends to net income (ytd only)* | 18.9277% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 4,662 |
| Loan loss allowance to noncurrent loans | 83.3585% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.2641% | 1,541 |
| Noncurrent loans to loans | 1.1401% | 1,973 |
| Net loans and leases to total assets | 54.2967% | 4,471 |
| Net loans and leases to deposits | 59.8395% | 4,770 |
| Net loans and leases to core deposits | 66.2139% | 4,592 |
| Total domestic deposits to total assets | 90.7372% | 263 |
| Equity capital to assets | 8.8761% | 5,262 |
| Core capital (leverage) ratio | 8.9049% | 4,936 |
| Tier 1 risk-based capital ratio | 15.4564% | 2,848 |
| Total risk-based capital ratio | 16.3943% | 2,911 |
| Memoranda: | ||
| Average total assets | $104,916,750 | 4,297 |
| Average earning assets | $97,789,000 | 4,277 |
| Average equity | $9,269,500 | 4,750 |
| Average total loans | $57,380,750 | 4,396 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0892% | 2,908 |
| Cost of funding earning assets | 0.6223% | 1,181 |
| Net interest margin | 3.4669% | 3,625 |
| Noninterest income to average assets | 0.5887% | 2,680 |
| Noninterest expense to average assets | 3.3641% | 1,454 |
| Loan and lease loss provision to assets | 0.1720% | 1,285 |
| Net operating income to assets | 0.2151% | 5,494 |
| Return on assets (ROA) | 0.3402% | 5,293 |
| Pretax return on assets | 0.4415% | 5,261 |
| Return on Equity (ROE) | 3.8570% | 4,965 |
| Retained earnings to average equity (ytd only) | 2.9902% | 4,012 |
| Net charge-offs to loans | 0.5666% | 369 |
| Credit loss provision to net charge-offs | 55.5556% | 2,624 |
| Earnings coverage of net charge-offs (x) | 1.4568% | 3,409 |
| Efficiency ratio | 88.1764% | 715 |
| Assets per employee ($millions) | 2.8322% | 5,585 |
| Cash dividends to net income (ytd only)* | 22.4719% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 4,810 |
| Loan loss allowance to noncurrent loans | 86.0577% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.2148% | 1,705 |
| Noncurrent loans to loans | 1.0905% | 2,105 |
| Net loans and leases to total assets | 54.0905% | 4,506 |
| Net loans and leases to deposits | 59.6665% | 4,816 |
| Net loans and leases to core deposits | 66.0953% | 4,605 |
| Total domestic deposits to total assets | 90.6547% | 273 |
| Equity capital to assets | 8.9416% | 5,284 |
| Core capital (leverage) ratio | 8.8068% | 5,050 |
| Tier 1 risk-based capital ratio | 15.5181% | 2,856 |
| Total risk-based capital ratio | 16.4481% | 2,922 |
| Memoranda: | ||
| Average total assets | $104,633,330 | 4,340 |
| Average earning assets | $97,377,670 | 4,318 |
| Average equity | $9,230,000 | 4,795 |
| Average total loans | $57,181,330 | 4,429 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 2,738 |
| Cost of funding earning assets | 0.6222% | 1,204 |
| Net interest margin | 3.5050% | 3,461 |
| Noninterest income to average assets | 0.4782% | 3,277 |
| Noninterest expense to average assets | 3.3169% | 1,561 |
| Loan and lease loss provision to assets | 0.1722% | 1,191 |
| Net operating income to assets | 0.1708% | 5,586 |
| Return on assets (ROA) | 0.3481% | 5,241 |
| Pretax return on assets | 0.4553% | 5,202 |
| Return on Equity (ROE) | 3.9738% | 4,900 |
| Retained earnings to average equity (ytd only) | 3.1004% | 3,966 |
| Net charge-offs to loans | 0.4478% | 508 |
| Credit loss provision to net charge-offs | 70.3125% | 1,903 |
| Earnings coverage of net charge-offs (x) | 1.6094% | 2,792 |
| Efficiency ratio | 89.3814% | 712 |
| Assets per employee ($millions) | 2.8445% | 5,652 |
| Cash dividends to net income (ytd only)* | 21.9780% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 4,399 |
| Loan loss allowance to noncurrent loans | 86.0058% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 2,020 |
| Noncurrent loans to loans | 1.2067% | 2,014 |
| Net loans and leases to total assets | 53.4537% | 4,497 |
| Net loans and leases to deposits | 59.0348% | 4,777 |
| Net loans and leases to core deposits | 65.1289% | 4,610 |
| Total domestic deposits to total assets | 90.5461% | 419 |
| Equity capital to assets | 8.7831% | 5,351 |
| Core capital (leverage) ratio | 8.6242% | 5,263 |
| Tier 1 risk-based capital ratio | 33.0551% | 393 |
| Total risk-based capital ratio | 34.3662% | 382 |
| Memoranda: | ||
| Average total assets | $104,554,500 | 4,380 |
| Average earning assets | $96,433,000 | 4,371 |
| Average equity | $9,160,000 | 4,828 |
| Average total loans | $57,162,500 | 4,465 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0591% | 3,078 |
| Cost of funding earning assets | 0.6221% | 1,219 |
| Net interest margin | 3.4370% | 3,766 |
| Noninterest income to average assets | 0.9664% | 1,274 |
| Noninterest expense to average assets | 3.4375% | 1,417 |
| Loan and lease loss provision to assets | 0.2090% | 1,008 |
| Net operating income to assets | 0.4106% | 5,021 |
| Return on assets (ROA) | 0.4329% | 5,018 |
| Pretax return on assets | 0.5424% | 5,012 |
| Return on Equity (ROE) | 4.8627% | 4,571 |
| Retained earnings to average equity (ytd only) | 3.9684% | 3,209 |
| Net charge-offs to loans | 0.3172% | 947 |
| Credit loss provision to net charge-offs | 120.6897% | 2,133 |
| Earnings coverage of net charge-offs (x) | 4.1782% | 3,599 |
| Efficiency ratio | 82.6118% | 1,321 |
| Assets per employee ($millions) | 2.8084% | 5,700 |
| Cash dividends to net income (ytd only)* | 18.3908% | 3,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 4,253 |
| Loan loss allowance to noncurrent loans | 123.2323% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.9508% | 2,289 |
| Noncurrent loans to loans | 0.8612% | 2,630 |
| Net loans and leases to total assets | 54.7247% | 4,426 |
| Net loans and leases to deposits | 60.2850% | 4,755 |
| Net loans and leases to core deposits | 66.4917% | 4,550 |
| Total domestic deposits to total assets | 90.7767% | 343 |
| Equity capital to assets | 8.7970% | 5,310 |
| Core capital (leverage) ratio | 9.2725% | 4,511 |
| Tier 1 risk-based capital ratio | 33.2879% | 384 |
| Total risk-based capital ratio | 34.6183% | 380 |
| Memoranda: | ||
| Average total assets | $100,479,200 | 4,454 |
| Average earning assets | $93,394,200 | 4,442 |
| Average equity | $8,945,600 | 4,866 |
| Average total loans | $54,851,400 | 4,532 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0001% | 3,344 |
| Cost of funding earning assets | 0.6145% | 1,314 |
| Net interest margin | 3.3856% | 4,015 |
| Noninterest income to average assets | 0.9824% | 1,225 |
| Noninterest expense to average assets | 3.4102% | 1,461 |
| Loan and lease loss provision to assets | 0.2008% | 1,003 |
| Net operating income to assets | 0.4113% | 5,123 |
| Return on assets (ROA) | 0.4363% | 5,122 |
| Pretax return on assets | 0.5594% | 5,074 |
| Return on Equity (ROE) | 4.8856% | 4,674 |
| Retained earnings to average equity (ytd only) | 3.9864% | 3,630 |
| Net charge-offs to loans | 0.4158% | 613 |
| Credit loss provision to net charge-offs | 88.7574% | 2,488 |
| Earnings coverage of net charge-offs (x) | 3.2189% | 3,540 |
| Efficiency ratio | 82.4062% | 1,342 |
| Assets per employee ($millions) | 2.7720% | 5,777 |
| Cash dividends to net income (ytd only)* | 18.4052% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 4,803 |
| Loan loss allowance to noncurrent loans | 121.1790% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.8970% | 2,633 |
| Noncurrent loans to loans | 0.8168% | 2,927 |
| Net loans and leases to total assets | 54.1291% | 4,558 |
| Net loans and leases to deposits | 59.6643% | 4,878 |
| Net loans and leases to core deposits | 65.4365% | 4,734 |
| Total domestic deposits to total assets | 90.7229% | 334 |
| Equity capital to assets | 8.8657% | 5,430 |
| Core capital (leverage) ratio | 9.4173% | 4,407 |
| Tier 1 risk-based capital ratio | 33.8577% | 382 |
| Total risk-based capital ratio | 35.1795% | 377 |
| Memoranda: | ||
| Average total assets | $99,621,250 | 4,517 |
| Average earning assets | $92,861,250 | 4,502 |
| Average equity | $8,896,750 | 4,933 |
| Average total loans | $54,195,500 | 4,597 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9565% | 3,465 |
| Cost of funding earning assets | 0.6112% | 1,338 |
| Net interest margin | 3.3453% | 4,121 |
| Noninterest income to average assets | 0.9672% | 1,250 |
| Noninterest expense to average assets | 3.4631% | 1,360 |
| Loan and lease loss provision to assets | 0.1217% | 1,816 |
| Net operating income to assets | 0.3787% | 5,208 |
| Return on assets (ROA) | 0.4096% | 5,214 |
| Pretax return on assets | 0.5414% | 5,113 |
| Return on Equity (ROE) | 4.5746% | 4,796 |
| Retained earnings to average equity (ytd only) | 3.6688% | 3,688 |
| Net charge-offs to loans | 0.5936% | 404 |
| Credit loss provision to net charge-offs | 37.7358% | 2,841 |
| Earnings coverage of net charge-offs (x) | 1.9308% | 3,430 |
| Efficiency ratio | 84.7643% | 1,180 |
| Assets per employee ($millions) | 2.7555% | 5,860 |
| Cash dividends to net income (ytd only)* | 19.8020% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 5,413 |
| Loan loss allowance to noncurrent loans | 110.9813% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8847% | 2,776 |
| Noncurrent loans to loans | 0.7810% | 3,157 |
| Net loans and leases to total assets | 53.2868% | 4,632 |
| Net loans and leases to deposits | 58.7616% | 4,942 |
| Net loans and leases to core deposits | 63.8529% | 4,815 |
| Total domestic deposits to total assets | 90.6831% | 390 |
| Equity capital to assets | 8.6951% | 5,528 |
| Core capital (leverage) ratio | 9.2942% | 4,562 |
| Tier 1 risk-based capital ratio | 33.8285% | 396 |
| Total risk-based capital ratio | 35.1566% | 394 |
| Memoranda: | ||
| Average total assets | $98,640,330 | 4,574 |
| Average earning assets | $91,949,670 | 4,561 |
| Average equity | $8,831,330 | 4,978 |
| Average total loans | $53,570,000 | 4,656 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8952% | 3,645 |
| Cost of funding earning assets | 0.6006% | 1,434 |
| Net interest margin | 3.2946% | 4,244 |
| Noninterest income to average assets | 0.9156% | 1,338 |
| Noninterest expense to average assets | 3.4150% | 1,464 |
| Loan and lease loss provision to assets | 0.2475% | 673 |
| Net operating income to assets | 0.2648% | 5,519 |
| Return on assets (ROA) | 0.3176% | 5,456 |
| Pretax return on assets | 0.3959% | 5,440 |
| Return on Equity (ROE) | 3.4942% | 5,179 |
| Retained earnings to average equity (ytd only) | 2.5866% | 4,387 |
| Net charge-offs to loans | 0.1284% | 1,486 |
| Credit loss provision to net charge-offs | 352.9412% | 723 |
| Earnings coverage of net charge-offs (x) | 8.2353% | 2,099 |
| Efficiency ratio | 85.5372% | 1,223 |
| Assets per employee ($millions) | 2.7282% | 5,947 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 4,105 |
| Loan loss allowance to noncurrent loans | 96.8603% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.0323% | 2,557 |
| Noncurrent loans to loans | 1.2151% | 2,342 |
| Net loans and leases to total assets | 51.3235% | 4,716 |
| Net loans and leases to deposits | 57.8047% | 4,935 |
| Net loans and leases to core deposits | 62.8052% | 4,792 |
| Total domestic deposits to total assets | 88.7878% | 1,398 |
| Equity capital to assets | 8.7900% | 5,508 |
| Core capital (leverage) ratio | 8.9980% | 4,958 |
| Tier 1 risk-based capital ratio | 29.0672% | 592 |
| Total risk-based capital ratio | 30.4101% | 574 |
| Memoranda: | ||
| Average total assets | $96,983,500 | 4,647 |
| Average earning assets | $90,573,000 | 4,628 |
| Average equity | $8,814,500 | 5,029 |
| Average total loans | $52,953,500 | 4,699 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 2,505 |
| Cost of funding earning assets | 0.6151% | 1,638 |
| Net interest margin | 3.7124% | 2,962 |
| Noninterest income to average assets | 1.0482% | 1,112 |
| Noninterest expense to average assets | 3.7329% | 1,091 |
| Loan and lease loss provision to assets | 0.0671% | 3,154 |
| Net operating income to assets | 0.5414% | 4,632 |
| Return on assets (ROA) | 0.5537% | 4,677 |
| Pretax return on assets | 0.7003% | 4,629 |
| Return on Equity (ROE) | 5.8001% | 4,263 |
| Retained earnings to average equity (ytd only) | 4.8275% | 2,736 |
| Net charge-offs to loans | 0.0921% | 3,178 |
| Credit loss provision to net charge-offs | 125.0000% | 1,911 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,217 |
| Efficiency ratio | 83.2377% | 1,490 |
| Assets per employee ($millions) | 2.5141% | 6,153 |
| Cash dividends to net income (ytd only)* | 16.7677% | 3,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 4,677 |
| Loan loss allowance to noncurrent loans | 155.9783% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.8020% | 3,202 |
| Noncurrent loans to loans | 0.6881% | 3,623 |
| Net loans and leases to total assets | 56.8763% | 4,219 |
| Net loans and leases to deposits | 63.0503% | 4,627 |
| Net loans and leases to core deposits | 68.1910% | 4,483 |
| Total domestic deposits to total assets | 90.2078% | 648 |
| Equity capital to assets | 9.4127% | 4,824 |
| Core capital (leverage) ratio | 9.8806% | 3,735 |
| Tier 1 risk-based capital ratio | 15.0823% | 3,444 |
| Total risk-based capital ratio | 16.1824% | 3,459 |
| Memoranda: | ||
| Average total assets | $89,395,000 | 4,850 |
| Average earning assets | $82,750,800 | 4,829 |
| Average equity | $8,534,400 | 5,078 |
| Average total loans | $52,092,800 | 4,752 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3332% | 2,485 |
| Cost of funding earning assets | 0.6032% | 1,799 |
| Net interest margin | 3.7300% | 2,902 |
| Noninterest income to average assets | 1.0668% | 1,079 |
| Noninterest expense to average assets | 3.6870% | 1,141 |
| Loan and lease loss provision to assets | 0.0904% | 2,546 |
| Net operating income to assets | 0.5340% | 4,744 |
| Return on assets (ROA) | 0.5319% | 4,826 |
| Pretax return on assets | 0.7338% | 4,579 |
| Return on Equity (ROE) | 5.5508% | 4,462 |
| Retained earnings to average equity (ytd only) | 4.5602% | 3,402 |
| Net charge-offs to loans | 0.1263% | 2,530 |
| Credit loss provision to net charge-offs | 122.4490% | 1,884 |
| Earnings coverage of net charge-offs (x) | 11.2043% | 2,451 |
| Efficiency ratio | 81.6756% | 1,662 |
| Assets per employee ($millions) | 2.4687% | 6,243 |
| Cash dividends to net income (ytd only)* | 17.8477% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 4,979 |
| Loan loss allowance to noncurrent loans | 131.1213% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9371% | 3,098 |
| Noncurrent loans to loans | 0.8019% | 3,576 |
| Net loans and leases to total assets | 59.0348% | 3,926 |
| Net loans and leases to deposits | 65.4683% | 4,389 |
| Net loans and leases to core deposits | 71.9242% | 4,158 |
| Total domestic deposits to total assets | 90.1731% | 652 |
| Equity capital to assets | 9.4273% | 4,886 |
| Core capital (leverage) ratio | 9.8399% | 3,887 |
| Tier 1 risk-based capital ratio | 14.3539% | 3,981 |
| Total risk-based capital ratio | 15.4090% | 4,032 |
| Memoranda: | ||
| Average total assets | $88,488,000 | 4,930 |
| Average earning assets | $81,784,750 | 4,910 |
| Average equity | $8,479,000 | 5,135 |
| Average total loans | $51,745,500 | 4,807 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 2,626 |
| Cost of funding earning assets | 0.5870% | 2,012 |
| Net interest margin | 3.7004% | 2,964 |
| Noninterest income to average assets | 1.0921% | 996 |
| Noninterest expense to average assets | 3.7516% | 1,044 |
| Loan and lease loss provision to assets | 0.1371% | 1,807 |
| Net operating income to assets | 0.4413% | 5,051 |
| Return on assets (ROA) | 0.4364% | 5,155 |
| Pretax return on assets | 0.6100% | 4,926 |
| Return on Equity (ROE) | 4.5287% | 4,907 |
| Retained earnings to average equity (ytd only) | 3.5329% | 3,953 |
| Net charge-offs to loans | 0.0905% | 2,776 |
| Credit loss provision to net charge-offs | 260.8696% | 960 |
| Earnings coverage of net charge-offs (x) | 14.3478% | 1,915 |
| Efficiency ratio | 83.2657% | 1,596 |
| Assets per employee ($millions) | 2.4678% | 6,318 |
| Cash dividends to net income (ytd only)* | 21.9895% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 4,764 |
| Loan loss allowance to noncurrent loans | 304.0609% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 3,917 |
| Noncurrent loans to loans | 0.3718% | 4,878 |
| Net loans and leases to total assets | 57.3757% | 4,070 |
| Net loans and leases to deposits | 63.9549% | 4,506 |
| Net loans and leases to core deposits | 70.3157% | 4,232 |
| Total domestic deposits to total assets | 89.7127% | 959 |
| Equity capital to assets | 9.5097% | 4,737 |
| Core capital (leverage) ratio | 10.0685% | 3,509 |
| Tier 1 risk-based capital ratio | 14.7754% | 3,764 |
| Total risk-based capital ratio | 15.8882% | 3,794 |
| Memoranda: | ||
| Average total assets | $87,537,000 | 4,984 |
| Average earning assets | $80,747,330 | 4,967 |
| Average equity | $8,435,000 | 5,168 |
| Average total loans | $50,828,670 | 4,866 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 2,196 |
| Cost of funding earning assets | 0.5728% | 2,221 |
| Net interest margin | 3.8120% | 2,417 |
| Noninterest income to average assets | 1.0881% | 944 |
| Noninterest expense to average assets | 4.1564% | 637 |
| Loan and lease loss provision to assets | 0.2102% | 1,093 |
| Net operating income to assets | 0.0977% | 6,036 |
| Return on assets (ROA) | 0.0887% | 6,083 |
| Pretax return on assets | 0.2195% | 5,888 |
| Return on Equity (ROE) | 0.9145% | 6,056 |
| Retained earnings to average equity (ytd only) | -0.0963% | 5,569 |
| Net charge-offs to loans | 0.1045% | 2,132 |
| Credit loss provision to net charge-offs | 346.1538% | 720 |
| Earnings coverage of net charge-offs (x) | 7.3077% | 2,126 |
| Efficiency ratio | 90.3553% | 1,002 |
| Assets per employee ($millions) | 2.3830% | 6,431 |
| Cash dividends to net income (ytd only)* | 110.5263% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 4,719 |
| Loan loss allowance to noncurrent loans | 240.4858% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.7962% | 3,750 |
| Noncurrent loans to loans | 0.4920% | 4,683 |
| Net loans and leases to total assets | 56.2611% | 4,114 |
| Net loans and leases to deposits | 63.3821% | 4,390 |
| Net loans and leases to core deposits | 70.0858% | 4,084 |
| Total domestic deposits to total assets | 88.7650% | 1,799 |
| Equity capital to assets | 9.4997% | 4,501 |
| Core capital (leverage) ratio | 10.1608% | 3,335 |
| Tier 1 risk-based capital ratio | 15.1181% | 3,643 |
| Total risk-based capital ratio | 16.2696% | 3,648 |
| Memoranda: | ||
| Average total assets | $85,652,000 | 5,074 |
| Average earning assets | $78,909,000 | 5,054 |
| Average equity | $8,311,000 | 5,213 |
| Average total loans | $49,749,500 | 4,941 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6355% | 1,755 |
| Cost of funding earning assets | 0.5597% | 3,025 |
| Net interest margin | 4.0757% | 1,715 |
| Noninterest income to average assets | 1.2760% | 850 |
| Noninterest expense to average assets | 3.9322% | 943 |
| Loan and lease loss provision to assets | 0.2134% | 1,717 |
| Net operating income to assets | 0.6183% | 4,174 |
| Return on assets (ROA) | 0.5526% | 4,621 |
| Pretax return on assets | 0.7767% | 4,239 |
| Return on Equity (ROE) | 5.5953% | 4,331 |
| Retained earnings to average equity (ytd only) | 4.5867% | 2,895 |
| Net charge-offs to loans | 0.2025% | 2,852 |
| Credit loss provision to net charge-offs | 189.4737% | 1,208 |
| Earnings coverage of net charge-offs (x) | 9.6105% | 2,481 |
| Efficiency ratio | 78.4110% | 2,398 |
| Assets per employee ($millions) | 2.2468% | 6,545 |
| Cash dividends to net income (ytd only)* | 18.0258% | 3,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 4,951 |
| Loan loss allowance to noncurrent loans | 191.1565% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 3,596 |
| Noncurrent loans to loans | 0.5964% | 4,495 |
| Net loans and leases to total assets | 58.6253% | 3,931 |
| Net loans and leases to deposits | 65.4865% | 4,353 |
| Net loans and leases to core deposits | 72.6995% | 3,989 |
| Total domestic deposits to total assets | 89.5228% | 1,320 |
| Equity capital to assets | 9.9190% | 3,873 |
| Core capital (leverage) ratio | 10.2174% | 3,269 |
| Tier 1 risk-based capital ratio | 15.3149% | 3,471 |
| Total risk-based capital ratio | 16.4331% | 3,500 |
| Memoranda: | ||
| Average total assets | $84,329,000 | 5,133 |
| Average earning assets | $77,360,000 | 5,110 |
| Average equity | $8,328,400 | 5,261 |
| Average total loans | $46,917,200 | 5,072 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5956% | 1,920 |
| Cost of funding earning assets | 0.5502% | 3,259 |
| Net interest margin | 4.0455% | 1,805 |
| Noninterest income to average assets | 1.2840% | 895 |
| Noninterest expense to average assets | 3.9151% | 947 |
| Loan and lease loss provision to assets | 0.2127% | 1,711 |
| Net operating income to assets | 0.6075% | 4,315 |
| Return on assets (ROA) | 0.5215% | 4,860 |
| Pretax return on assets | 0.7405% | 4,531 |
| Return on Equity (ROE) | 5.2859% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.2798% | 3,631 |
| Net charge-offs to loans | 0.1669% | 2,890 |
| Credit loss provision to net charge-offs | 232.7586% | 1,042 |
| Earnings coverage of net charge-offs (x) | 11.7760% | 2,201 |
| Efficiency ratio | 78.4407% | 2,349 |
| Assets per employee ($millions) | 2.3194% | 6,589 |
| Cash dividends to net income (ytd only)* | 19.0338% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 5,201 |
| Loan loss allowance to noncurrent loans | 187.7966% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 4,085 |
| Noncurrent loans to loans | 0.6025% | 4,688 |
| Net loans and leases to total assets | 56.4114% | 4,263 |
| Net loans and leases to deposits | 62.7308% | 4,662 |
| Net loans and leases to core deposits | 68.8180% | 4,452 |
| Total domestic deposits to total assets | 89.9261% | 1,042 |
| Equity capital to assets | 9.5763% | 4,449 |
| Core capital (leverage) ratio | 10.0907% | 3,539 |
| Tier 1 risk-based capital ratio | 15.1857% | 3,640 |
| Total risk-based capital ratio | 16.2844% | 3,682 |
| Memoranda: | ||
| Average total assets | $84,628,000 | 5,171 |
| Average earning assets | $77,550,000 | 5,151 |
| Average equity | $8,349,000 | 5,307 |
| Average total loans | $46,321,750 | 5,145 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5890% | 1,884 |
| Cost of funding earning assets | 0.5509% | 3,402 |
| Net interest margin | 4.0381% | 1,737 |
| Noninterest income to average assets | 1.2513% | 993 |
| Noninterest expense to average assets | 3.7753% | 1,131 |
| Loan and lease loss provision to assets | 0.2137% | 1,767 |
| Net operating income to assets | 0.6890% | 3,860 |
| Return on assets (ROA) | 0.7147% | 3,911 |
| Pretax return on assets | 0.9877% | 3,567 |
| Return on Equity (ROE) | 7.1729% | 3,502 |
| Retained earnings to average equity (ytd only) | 6.1721% | 2,337 |
| Net charge-offs to loans | 0.1452% | 2,942 |
| Credit loss provision to net charge-offs | 272.7273% | 927 |
| Earnings coverage of net charge-offs (x) | 14.8788% | 1,788 |
| Efficiency ratio | 76.4056% | 2,726 |
| Assets per employee ($millions) | 2.2211% | 6,673 |
| Cash dividends to net income (ytd only)* | 13.9535% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,271 |
| Loan loss allowance to noncurrent loans | 346.7532% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5924% | 4,766 |
| Noncurrent loans to loans | 0.3295% | 5,471 |
| Net loans and leases to total assets | 54.7463% | 4,486 |
| Net loans and leases to deposits | 61.0018% | 4,862 |
| Net loans and leases to core deposits | 65.6061% | 4,727 |
| Total domestic deposits to total assets | 89.7455% | 1,178 |
| Equity capital to assets | 9.7178% | 4,276 |
| Core capital (leverage) ratio | 10.0696% | 3,416 |
| Tier 1 risk-based capital ratio | 15.1520% | 3,676 |
| Total risk-based capital ratio | 16.2082% | 3,768 |
| Memoranda: | ||
| Average total assets | $84,232,000 | 5,215 |
| Average earning assets | $76,967,330 | 5,197 |
| Average equity | $8,392,670 | 5,339 |
| Average total loans | $45,441,000 | 5,213 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 2,079 |
| Cost of funding earning assets | 0.5593% | 3,480 |
| Net interest margin | 3.9674% | 1,898 |
| Noninterest income to average assets | 1.1646% | 1,103 |
| Noninterest expense to average assets | 3.7363% | 1,192 |
| Loan and lease loss provision to assets | 0.2139% | 1,734 |
| Net operating income to assets | 0.5103% | 4,604 |
| Return on assets (ROA) | 0.5134% | 4,742 |
| Pretax return on assets | 0.8271% | 4,053 |
| Return on Equity (ROE) | 5.0895% | 4,523 |
| Retained earnings to average equity (ytd only) | 4.0999% | 3,759 |
| Net charge-offs to loans | 0.1340% | 2,606 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 14.5333% | 1,450 |
| Efficiency ratio | 78.2869% | 2,563 |
| Assets per employee ($millions) | 2.2404% | 6,744 |
| Cash dividends to net income (ytd only)* | 19.4444% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 5,527 |
| Loan loss allowance to noncurrent loans | 440.8696% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.5509% | 5,018 |
| Noncurrent loans to loans | 0.2537% | 5,777 |
| Net loans and leases to total assets | 52.6417% | 4,607 |
| Net loans and leases to deposits | 58.9449% | 4,914 |
| Net loans and leases to core deposits | 63.6542% | 4,779 |
| Total domestic deposits to total assets | 89.3065% | 1,485 |
| Equity capital to assets | 10.0028% | 4,148 |
| Core capital (leverage) ratio | 9.9331% | 3,488 |
| Tier 1 risk-based capital ratio | 13.0616% | 5,172 |
| Total risk-based capital ratio | 13.8589% | 5,460 |
| Memoranda: | ||
| Average total assets | $84,147,000 | 5,261 |
| Average earning assets | $76,524,000 | 5,251 |
| Average equity | $8,488,000 | 5,363 |
| Average total loans | $44,791,000 | 5,267 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 4,007 |
| Cost of funding earning assets | 0.5697% | 4,649 |
| Net interest margin | 3.7859% | 3,287 |
| Noninterest income to average assets | 1.1776% | 1,136 |
| Noninterest expense to average assets | 3.6809% | 1,452 |
| Loan and lease loss provision to assets | 0.1714% | 3,478 |
| Net operating income to assets | 0.6609% | 3,927 |
| Return on assets (ROA) | 0.7773% | 3,636 |
| Pretax return on assets | 0.9487% | 3,752 |
| Return on Equity (ROE) | 7.9086% | 3,123 |
| Retained earnings to average equity (ytd only) | 6.9621% | 1,587 |
| Net charge-offs to loans | 0.2862% | 3,231 |
| Credit loss provision to net charge-offs | 123.8938% | 2,296 |
| Earnings coverage of net charge-offs (x) | 7.0708% | 2,686 |
| Efficiency ratio | 79.0068% | 2,271 |
| Assets per employee ($millions) | 2.1884% | 6,840 |
| Cash dividends to net income (ytd only)* | 11.9685% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 5,640 |
| Loan loss allowance to noncurrent loans | 1,084.0909% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.4774% | 5,276 |
| Noncurrent loans to loans | 0.0994% | 6,238 |
| Net loans and leases to total assets | 52.6480% | 4,817 |
| Net loans and leases to deposits | 59.8273% | 5,045 |
| Net loans and leases to core deposits | 64.7370% | 4,872 |
| Total domestic deposits to total assets | 88.0000% | 2,234 |
| Equity capital to assets | 10.1734% | 3,925 |
| Core capital (leverage) ratio | 9.9891% | 3,417 |
| Tier 1 risk-based capital ratio | 12.8024% | 5,251 |
| Total risk-based capital ratio | 13.5511% | 5,551 |
| Memoranda: | ||
| Average total assets | $81,692,800 | 5,308 |
| Average earning assets | $75,121,600 | 5,272 |
| Average equity | $8,029,200 | 5,493 |
| Average total loans | $39,480,600 | 5,530 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 4,117 |
| Cost of funding earning assets | 0.5736% | 4,880 |
| Net interest margin | 3.8102% | 3,296 |
| Noninterest income to average assets | 1.1952% | 1,060 |
| Noninterest expense to average assets | 3.9019% | 1,059 |
| Loan and lease loss provision to assets | 0.1148% | 4,131 |
| Net operating income to assets | 0.5833% | 4,465 |
| Return on assets (ROA) | 0.6000% | 4,659 |
| Pretax return on assets | 0.7050% | 4,847 |
| Return on Equity (ROE) | 6.1603% | 4,256 |
| Retained earnings to average equity (ytd only) | 6.1603% | 2,592 |
| Net charge-offs to loans | 0.1358% | 4,032 |
| Credit loss provision to net charge-offs | 179.4872% | 1,554 |
| Earnings coverage of net charge-offs (x) | 12.5125% | 1,995 |
| Efficiency ratio | 82.9847% | 1,696 |
| Assets per employee ($millions) | 2.1504% | 6,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 5,610 |
| Loan loss allowance to noncurrent loans | 251.8325% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 5,339 |
| Noncurrent loans to loans | 0.4473% | 5,554 |
| Net loans and leases to total assets | 51.6655% | 5,088 |
| Net loans and leases to deposits | 57.7535% | 5,451 |
| Net loans and leases to core deposits | 62.4504% | 5,314 |
| Total domestic deposits to total assets | 89.4586% | 1,153 |
| Equity capital to assets | 10.0299% | 4,450 |
| Core capital (leverage) ratio | 9.6406% | 4,058 |
| Tier 1 risk-based capital ratio | 13.0471% | 5,210 |
| Total risk-based capital ratio | 13.8479% | 5,527 |
| Memoranda: | ||
| Average total assets | $81,326,500 | 5,371 |
| Average earning assets | $74,850,750 | 5,330 |
| Average equity | $7,921,500 | 5,582 |
| Average total loans | $38,286,250 | 5,641 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 4,634 |
| Cost of funding earning assets | 0.5874% | 5,008 |
| Net interest margin | 3.6961% | 3,840 |
| Noninterest income to average assets | 1.1823% | 1,023 |
| Noninterest expense to average assets | 3.9386% | 1,022 |
| Loan and lease loss provision to assets | 0.0985% | 4,302 |
| Net operating income to assets | 0.4413% | 5,071 |
| Return on assets (ROA) | 0.4434% | 5,292 |
| Pretax return on assets | 0.5419% | 5,328 |
| Return on Equity (ROE) | 4.5977% | 4,995 |
| Retained earnings to average equity (ytd only) | 4.5977% | 3,550 |
| Net charge-offs to loans | 0.1630% | 3,631 |
| Credit loss provision to net charge-offs | 133.3333% | 2,058 |
| Earnings coverage of net charge-offs (x) | 8.6333% | 2,265 |
| Efficiency ratio | 86.0603% | 1,429 |
| Assets per employee ($millions) | 2.1440% | 7,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 5,594 |
| Loan loss allowance to noncurrent loans | 528.7356% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 5,926 |
| Noncurrent loans to loans | 0.2161% | 6,149 |
| Net loans and leases to total assets | 48.8597% | 5,509 |
| Net loans and leases to deposits | 54.4622% | 5,822 |
| Net loans and leases to core deposits | 58.6259% | 5,726 |
| Total domestic deposits to total assets | 89.7130% | 1,098 |
| Equity capital to assets | 9.7665% | 4,674 |
| Core capital (leverage) ratio | 9.4076% | 4,289 |
| Tier 1 risk-based capital ratio | 13.1468% | 5,080 |
| Total risk-based capital ratio | 13.9375% | 5,404 |
| Memoranda: | ||
| Average total assets | $81,196,670 | 5,404 |
| Average earning assets | $74,565,000 | 5,376 |
| Average equity | $7,830,000 | 5,628 |
| Average total loans | $36,815,000 | 5,742 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 5,470 |
| Cost of funding earning assets | 0.5821% | 5,272 |
| Net interest margin | 3.5140% | 4,624 |
| Noninterest income to average assets | 1.1202% | 1,128 |
| Noninterest expense to average assets | 3.7652% | 1,264 |
| Loan and lease loss provision to assets | 0.1480% | 3,511 |
| Net operating income to assets | 0.4096% | 5,212 |
| Return on assets (ROA) | 0.4096% | 5,398 |
| Pretax return on assets | 0.4244% | 5,657 |
| Return on Equity (ROE) | 4.2748% | 5,151 |
| Retained earnings to average equity (ytd only) | 4.2748% | 4,025 |
| Net charge-offs to loans | 0.0798% | 3,699 |
| Credit loss provision to net charge-offs | 428.5714% | 745 |
| Earnings coverage of net charge-offs (x) | 16.5714% | 1,353 |
| Efficiency ratio | 86.8032% | 1,399 |
| Assets per employee ($millions) | 2.1800% | 7,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 4,938 |
| Loan loss allowance to noncurrent loans | 418.5841% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 6,152 |
| Noncurrent loans to loans | 0.3148% | 6,051 |
| Net loans and leases to total assets | 42.7576% | 6,118 |
| Net loans and leases to deposits | 48.4283% | 6,267 |
| Net loans and leases to core deposits | 52.4935% | 6,166 |
| Total domestic deposits to total assets | 88.2905% | 2,139 |
| Equity capital to assets | 9.3869% | 4,981 |
| Core capital (leverage) ratio | 9.4105% | 4,183 |
| Tier 1 risk-based capital ratio | 13.4267% | 4,879 |
| Total risk-based capital ratio | 14.2677% | 5,178 |
| Memoranda: | ||
| Average total assets | $81,059,000 | 5,441 |
| Average earning assets | $74,217,000 | 5,423 |
| Average equity | $7,766,500 | 5,670 |
| Average total loans | $35,089,000 | 5,866 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9938% | 6,463 |
| Cost of funding earning assets | 0.6517% | 5,816 |
| Net interest margin | 3.3421% | 5,678 |
| Noninterest income to average assets | 1.2336% | 859 |
| Noninterest expense to average assets | 3.9843% | 1,060 |
| Loan and lease loss provision to assets | 0.0841% | 5,557 |
| Net operating income to assets | 0.1642% | 5,692 |
| Return on assets (ROA) | 0.3158% | 5,352 |
| Pretax return on assets | 0.3301% | 5,472 |
| Return on Equity (ROE) | 3.2650% | 5,173 |
| Retained earnings to average equity (ytd only) | 2.2882% | 4,586 |
| Net charge-offs to loans | 0.1207% | 5,177 |
| Credit loss provision to net charge-offs | 180.5556% | 1,440 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,770 |
| Efficiency ratio | 93.9560% | 924 |
| Assets per employee ($millions) | 2.0863% | 7,127 |
| Cash dividends to net income (ytd only)* | 29.9180% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 4,849 |
| Loan loss allowance to noncurrent loans | 335.8209% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 6,227 |
| Noncurrent loans to loans | 0.3908% | 5,929 |
| Net loans and leases to total assets | 42.6784% | 6,323 |
| Net loans and leases to deposits | 47.5946% | 6,524 |
| Net loans and leases to core deposits | 51.2419% | 6,465 |
| Total domestic deposits to total assets | 89.6707% | 1,172 |
| Equity capital to assets | 9.7844% | 4,462 |
| Core capital (leverage) ratio | 9.8217% | 3,559 |
| Tier 1 risk-based capital ratio | 14.0899% | 4,264 |
| Total risk-based capital ratio | 14.9382% | 4,523 |
| Memoranda: | ||
| Average total assets | $77,253,600 | 5,531 |
| Average earning assets | $69,507,000 | 5,552 |
| Average equity | $7,473,200 | 5,725 |
| Average total loans | $29,823,600 | 6,168 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9722% | 6,631 |
| Cost of funding earning assets | 0.6747% | 5,909 |
| Net interest margin | 3.2975% | 5,866 |
| Noninterest income to average assets | 1.2908% | 780 |
| Noninterest expense to average assets | 4.0826% | 916 |
| Loan and lease loss provision to assets | 0.0434% | 5,892 |
| Net operating income to assets | 0.1072% | 5,949 |
| Return on assets (ROA) | 0.3040% | 5,556 |
| Pretax return on assets | 0.3162% | 5,670 |
| Return on Equity (ROE) | 3.1521% | 5,359 |
| Retained earnings to average equity (ytd only) | 1.8373% | 5,218 |
| Net charge-offs to loans | 0.1208% | 4,825 |
| Credit loss provision to net charge-offs | 96.1538% | 3,569 |
| Earnings coverage of net charge-offs (x) | 3.4226% | 3,443 |
| Efficiency ratio | 96.3510% | 801 |
| Assets per employee ($millions) | 2.1468% | 7,174 |
| Cash dividends to net income (ytd only)* | 41.7135% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 4,972 |
| Loan loss allowance to noncurrent loans | 471.9101% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 5,890 |
| Noncurrent loans to loans | 0.2773% | 6,310 |
| Net loans and leases to total assets | 38.8208% | 6,721 |
| Net loans and leases to deposits | 45.2054% | 6,781 |
| Net loans and leases to core deposits | 47.8038% | 6,768 |
| Total domestic deposits to total assets | 85.8764% | 3,282 |
| Equity capital to assets | 9.3148% | 5,356 |
| Core capital (leverage) ratio | 9.8508% | 3,647 |
| Tier 1 risk-based capital ratio | 14.6022% | 3,901 |
| Total risk-based capital ratio | 15.4306% | 4,182 |
| Memoranda: | ||
| Average total assets | $76,747,250 | 5,587 |
| Average earning assets | $68,575,000 | 5,631 |
| Average equity | $7,402,250 | 5,782 |
| Average total loans | $28,708,250 | 6,275 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9730% | 6,707 |
| Cost of funding earning assets | 0.7125% | 5,883 |
| Net interest margin | 3.2605% | 5,970 |
| Noninterest income to average assets | 1.2378% | 824 |
| Noninterest expense to average assets | 4.0087% | 1,038 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1065% | 5,999 |
| Return on assets (ROA) | 0.2715% | 5,605 |
| Pretax return on assets | 0.2688% | 5,752 |
| Return on Equity (ROE) | 2.7806% | 5,486 |
| Retained earnings to average equity (ytd only) | 0.7905% | 5,543 |
| Net charge-offs to loans | 0.1378% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.0526% | 3,831 |
| Efficiency ratio | 97.4757% | 812 |
| Assets per employee ($millions) | 2.0390% | 7,278 |
| Cash dividends to net income (ytd only)* | 71.5686% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 4,825 |
| Loan loss allowance to noncurrent loans | 558.3333% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 6,170 |
| Noncurrent loans to loans | 0.2421% | 6,437 |
| Net loans and leases to total assets | 37.8656% | 6,868 |
| Net loans and leases to deposits | 42.4434% | 6,974 |
| Net loans and leases to core deposits | 45.0738% | 6,974 |
| Total domestic deposits to total assets | 89.2143% | 1,410 |
| Equity capital to assets | 9.5571% | 4,728 |
| Core capital (leverage) ratio | 9.8541% | 3,447 |
| Tier 1 risk-based capital ratio | 14.9116% | 3,537 |
| Total risk-based capital ratio | 15.7296% | 3,776 |
| Memoranda: | ||
| Average total assets | $75,136,330 | 5,685 |
| Average earning assets | $66,247,670 | 5,749 |
| Average equity | $7,336,670 | 5,824 |
| Average total loans | $27,581,000 | 6,385 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 6,822 |
| Cost of funding earning assets | 0.7059% | 6,098 |
| Net interest margin | 3.1949% | 6,084 |
| Noninterest income to average assets | 1.1627% | 956 |
| Noninterest expense to average assets | 3.8830% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2109% | 5,754 |
| Return on assets (ROA) | 0.2920% | 5,525 |
| Pretax return on assets | 0.2001% | 5,939 |
| Return on Equity (ROE) | 2.9579% | 5,390 |
| Retained earnings to average equity (ytd only) | -1.0407% | 5,993 |
| Net charge-offs to loans | 0.1962% | 3,326 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.6923% | 3,466 |
| Efficiency ratio | 97.0270% | 874 |
| Assets per employee ($millions) | 1.9902% | 7,364 |
| Cash dividends to net income (ytd only)* | 135.1852% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 4,068 |
| Loan loss allowance to noncurrent loans | 800.0000% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 6,442 |
| Noncurrent loans to loans | 0.1909% | 6,587 |
| Net loans and leases to total assets | 34.7808% | 7,059 |
| Net loans and leases to deposits | 38.7496% | 7,146 |
| Net loans and leases to core deposits | 40.9070% | 7,138 |
| Total domestic deposits to total assets | 89.7578% | 1,319 |
| Equity capital to assets | 9.6591% | 4,239 |
| Core capital (leverage) ratio | 9.9551% | 3,193 |
| Tier 1 risk-based capital ratio | 15.2028% | 3,315 |
| Total risk-based capital ratio | 16.0554% | 3,507 |
| Memoranda: | ||
| Average total assets | $73,963,500 | 5,760 |
| Average earning assets | $65,730,000 | 5,805 |
| Average equity | $7,302,500 | 5,842 |
| Average total loans | $26,501,000 | 6,501 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 6,718 |
| Cost of funding earning assets | 0.7808% | 6,642 |
| Net interest margin | 3.5554% | 5,017 |
| Noninterest income to average assets | 1.5253% | 626 |
| Noninterest expense to average assets | 4.2075% | 895 |
| Loan and lease loss provision to assets | 0.0837% | 6,313 |
| Net operating income to assets | 0.3453% | 4,761 |
| Return on assets (ROA) | 0.4787% | 4,356 |
| Pretax return on assets | 0.5261% | 4,538 |
| Return on Equity (ROE) | 4.6839% | 4,212 |
| Retained earnings to average equity (ytd only) | 0.6828% | 5,226 |
| Net charge-offs to loans | 0.5108% | 3,570 |
| Credit loss provision to net charge-offs | 47.6190% | 6,298 |
| Earnings coverage of net charge-offs (x) | 2.6349% | 3,781 |
| Efficiency ratio | 90.0807% | 1,320 |
| Assets per employee ($millions) | 1.9026% | 7,459 |
| Cash dividends to net income (ytd only)* | 85.4227% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 3,561 |
| Loan loss allowance to noncurrent loans | 193.1193% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 5,930 |
| Noncurrent loans to loans | 0.8292% | 5,395 |
| Net loans and leases to total assets | 35.7806% | 7,164 |
| Net loans and leases to deposits | 40.0375% | 7,251 |
| Net loans and leases to core deposits | 42.2000% | 7,252 |
| Total domestic deposits to total assets | 89.3678% | 1,452 |
| Equity capital to assets | 10.0970% | 3,620 |
| Core capital (leverage) ratio | 10.1977% | 2,865 |
| Tier 1 risk-based capital ratio | 16.5355% | 2,509 |
| Total risk-based capital ratio | 17.4904% | 2,595 |
| Memoranda: | ||
| Average total assets | $71,658,400 | 5,826 |
| Average earning assets | $63,396,400 | 5,877 |
| Average equity | $7,323,000 | 5,927 |
| Average total loans | $24,667,400 | 6,695 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 6,849 |
| Cost of funding earning assets | 0.7955% | 6,780 |
| Net interest margin | 3.5842% | 4,948 |
| Noninterest income to average assets | 1.6205% | 535 |
| Noninterest expense to average assets | 4.1921% | 840 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5211% | 4,214 |
| Return on assets (ROA) | 0.6937% | 3,604 |
| Pretax return on assets | 0.7814% | 3,976 |
| Return on Equity (ROE) | 6.7677% | 3,447 |
| Retained earnings to average equity (ytd only) | 2.7834% | 4,485 |
| Net charge-offs to loans | 0.5550% | 3,092 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 3.1189% | 3,579 |
| Efficiency ratio | 87.7097% | 1,475 |
| Assets per employee ($millions) | 1.9204% | 7,545 |
| Cash dividends to net income (ytd only)* | 58.8701% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 3,793 |
| Loan loss allowance to noncurrent loans | 501.2987% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 6,614 |
| Noncurrent loans to loans | 0.3065% | 6,580 |
| Net loans and leases to total assets | 33.8947% | 7,347 |
| Net loans and leases to deposits | 38.4251% | 7,409 |
| Net loans and leases to core deposits | 39.3544% | 7,438 |
| Total domestic deposits to total assets | 88.2098% | 1,850 |
| Equity capital to assets | 10.4432% | 3,580 |
| Core capital (leverage) ratio | 10.0885% | 3,165 |
| Tier 1 risk-based capital ratio | 15.5865% | 2,947 |
| Total risk-based capital ratio | 16.4274% | 3,142 |
| Memoranda: | ||
| Average total assets | $71,498,250 | 5,904 |
| Average earning assets | $63,016,500 | 5,956 |
| Average equity | $7,328,750 | 6,010 |
| Average total loans | $24,261,750 | 6,804 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 6,901 |
| Cost of funding earning assets | 0.8041% | 6,904 |
| Net interest margin | 3.5933% | 4,844 |
| Noninterest income to average assets | 1.7801% | 424 |
| Noninterest expense to average assets | 4.1208% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6548% | 3,606 |
| Return on assets (ROA) | 0.8732% | 2,777 |
| Pretax return on assets | 1.1436% | 2,615 |
| Return on Equity (ROE) | 8.5738% | 2,636 |
| Retained earnings to average equity (ytd only) | 4.5358% | 3,187 |
| Net charge-offs to loans | 0.1752% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 14.4762% | 1,516 |
| Efficiency ratio | 82.7957% | 2,067 |
| Assets per employee ($millions) | 1.9014% | 7,620 |
| Cash dividends to net income (ytd only)* | 47.0968% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9054% | 2,399 |
| Loan loss allowance to noncurrent loans | 1,503.2258% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 6,868 |
| Noncurrent loans to loans | 0.1268% | 7,012 |
| Net loans and leases to total assets | 33.2046% | 7,444 |
| Net loans and leases to deposits | 37.5852% | 7,504 |
| Net loans and leases to core deposits | 38.8355% | 7,512 |
| Total domestic deposits to total assets | 88.3450% | 1,806 |
| Equity capital to assets | 10.3762% | 3,550 |
| Core capital (leverage) ratio | 10.1817% | 2,957 |
| Tier 1 risk-based capital ratio | 17.7608% | 2,013 |
| Total risk-based capital ratio | 18.9148% | 2,021 |
| Memoranda: | ||
| Average total assets | $71,005,670 | 5,946 |
| Average earning assets | $63,173,000 | 5,981 |
| Average equity | $7,231,330 | 6,059 |
| Average total loans | $23,975,330 | 6,865 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5660% | 6,646 |
| Cost of funding earning assets | 0.8401% | 6,969 |
| Net interest margin | 3.7259% | 4,120 |
| Noninterest income to average assets | 1.0514% | 1,150 |
| Noninterest expense to average assets | 4.0919% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2356% | 5,557 |
| Return on assets (ROA) | 0.7218% | 3,460 |
| Pretax return on assets | 0.7957% | 3,884 |
| Return on Equity (ROE) | 7.1564% | 3,267 |
| Retained earnings to average equity (ytd only) | 3.0429% | 4,314 |
| Net charge-offs to loans | 0.3202% | 3,131 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.4211% | 3,333 |
| Efficiency ratio | 93.9948% | 1,134 |
| Assets per employee ($millions) | 1.9158% | 7,708 |
| Cash dividends to net income (ytd only)* | 57.4803% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9912% | 2,214 |
| Loan loss allowance to noncurrent loans | 9,360.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 6,897 |
| Noncurrent loans to loans | 0.0213% | 7,361 |
| Net loans and leases to total assets | 31.6406% | 7,577 |
| Net loans and leases to deposits | 35.8968% | 7,626 |
| Net loans and leases to core deposits | 36.5902% | 7,645 |
| Total domestic deposits to total assets | 88.1432% | 1,979 |
| Equity capital to assets | 9.9805% | 3,899 |
| Core capital (leverage) ratio | 10.2072% | 2,923 |
| Tier 1 risk-based capital ratio | 18.3433% | 1,860 |
| Total risk-based capital ratio | 19.5609% | 1,837 |
| Memoranda: | ||
| Average total assets | $70,382,500 | 6,035 |
| Average earning assets | $62,373,500 | 6,068 |
| Average equity | $7,098,500 | 6,163 |
| Average total loans | $23,734,500 | 6,959 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5278% | 4,003 |
| Cost of funding earning assets | 0.9544% | 7,296 |
| Net interest margin | 4.5734% | 1,031 |
| Noninterest income to average assets | 1.2521% | 964 |
| Noninterest expense to average assets | 4.8946% | 567 |
| Loan and lease loss provision to assets | 0.0152% | 7,346 |
| Net operating income to assets | 0.3804% | 4,202 |
| Return on assets (ROA) | 0.5358% | 3,677 |
| Pretax return on assets | 0.6041% | 3,891 |
| Return on Equity (ROE) | 4.9515% | 3,691 |
| Retained earnings to average equity (ytd only) | 0.8977% | 4,397 |
| Net charge-offs to loans | 0.2994% | 4,760 |
| Credit loss provision to net charge-offs | 13.5135% | 6,965 |
| Earnings coverage of net charge-offs (x) | 3.9595% | 3,127 |
| Efficiency ratio | 91.6714% | 1,593 |
| Assets per employee ($millions) | 1.7885% | 7,828 |
| Cash dividends to net income (ytd only)* | 81.8697% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0320% | 1,951 |
| Loan loss allowance to noncurrent loans | 572.9412% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 6,089 |
| Noncurrent loans to loans | 0.3547% | 6,564 |
| Net loans and leases to total assets | 34.5467% | 7,577 |
| Net loans and leases to deposits | 38.7673% | 7,655 |
| Net loans and leases to core deposits | 47.9614% | 7,631 |
| Total domestic deposits to total assets | 89.1132% | 1,428 |
| Equity capital to assets | 10.1982% | 3,515 |
| Core capital (leverage) ratio | 10.6870% | 2,444 |
| Tier 1 risk-based capital ratio | 19.3043% | 1,589 |
| Total risk-based capital ratio | 20.5549% | 1,554 |
| Memoranda: | ||
| Average total assets | $65,888,400 | 6,142 |
| Average earning assets | $58,884,000 | 6,173 |
| Average equity | $7,129,200 | 6,226 |
| Average total loans | $24,715,400 | 6,931 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6431% | 3,614 |
| Cost of funding earning assets | 0.9744% | 7,440 |
| Net interest margin | 4.6687% | 881 |
| Noninterest income to average assets | 1.2686% | 957 |
| Noninterest expense to average assets | 4.8604% | 540 |
| Loan and lease loss provision to assets | 0.0204% | 7,151 |
| Net operating income to assets | 0.3884% | 4,445 |
| Return on assets (ROA) | 0.5446% | 3,894 |
| Pretax return on assets | 0.7873% | 3,582 |
| Return on Equity (ROE) | 4.9589% | 3,981 |
| Retained earnings to average equity (ytd only) | 0.9472% | 4,781 |
| Net charge-offs to loans | 0.4016% | 3,654 |
| Credit loss provision to net charge-offs | 13.3333% | 6,606 |
| Earnings coverage of net charge-offs (x) | 3.7999% | 3,383 |
| Efficiency ratio | 89.3178% | 1,750 |
| Assets per employee ($millions) | 1.7794% | 7,909 |
| Cash dividends to net income (ytd only)* | 80.8983% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9863% | 1,836 |
| Loan loss allowance to noncurrent loans | 1,429.4118% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 6,051 |
| Noncurrent loans to loans | 0.1390% | 7,134 |
| Net loans and leases to total assets | 35.4674% | 7,636 |
| Net loans and leases to deposits | 40.1951% | 7,724 |
| Net loans and leases to core deposits | 48.9359% | 7,710 |
| Total domestic deposits to total assets | 88.2382% | 1,539 |
| Equity capital to assets | 10.8168% | 3,195 |
| Core capital (leverage) ratio | 10.8047% | 2,559 |
| Tier 1 risk-based capital ratio | 19.1073% | 1,724 |
| Total risk-based capital ratio | 20.3572% | 1,685 |
| Memoranda: | ||
| Average total assets | $65,369,750 | 6,198 |
| Average earning assets | $58,430,250 | 6,240 |
| Average equity | $7,178,750 | 6,266 |
| Average total loans | $24,902,750 | 6,986 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8149% | 2,979 |
| Cost of funding earning assets | 0.9899% | 7,561 |
| Net interest margin | 4.8250% | 626 |
| Noninterest income to average assets | 1.2566% | 968 |
| Noninterest expense to average assets | 4.8715% | 564 |
| Loan and lease loss provision to assets | 0.0309% | 6,932 |
| Net operating income to assets | 0.5261% | 3,993 |
| Return on assets (ROA) | 0.7892% | 2,989 |
| Pretax return on assets | 1.0059% | 2,988 |
| Return on Equity (ROE) | 7.1492% | 3,134 |
| Retained earnings to average equity (ytd only) | 3.1400% | 3,566 |
| Net charge-offs to loans | 0.5589% | 2,653 |
| Credit loss provision to net charge-offs | 14.2857% | 6,163 |
| Earnings coverage of net charge-offs (x) | 3.2286% | 3,521 |
| Efficiency ratio | 87.4444% | 2,081 |
| Assets per employee ($millions) | 1.7136% | 8,018 |
| Cash dividends to net income (ytd only)* | 56.0784% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0121% | 1,542 |
| Loan loss allowance to noncurrent loans | 3,273.3333% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.6189% | 5,870 |
| Noncurrent loans to loans | 0.0615% | 7,373 |
| Net loans and leases to total assets | 36.7206% | 7,679 |
| Net loans and leases to deposits | 42.2545% | 7,748 |
| Net loans and leases to core deposits | 50.3103% | 7,757 |
| Total domestic deposits to total assets | 86.9034% | 2,305 |
| Equity capital to assets | 10.8130% | 3,101 |
| Core capital (leverage) ratio | 11.0168% | 2,384 |
| Tier 1 risk-based capital ratio | 19.8768% | 1,609 |
| Total risk-based capital ratio | 21.1282% | 1,562 |
| Memoranda: | ||
| Average total assets | $64,620,670 | 6,276 |
| Average earning assets | $57,782,330 | 6,325 |
| Average equity | $7,133,670 | 6,327 |
| Average total loans | $25,047,670 | 7,026 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9506% | 2,560 |
| Cost of funding earning assets | 1.0337% | 7,618 |
| Net interest margin | 4.9169% | 483 |
| Noninterest income to average assets | 1.2490% | 916 |
| Noninterest expense to average assets | 4.8530% | 536 |
| Loan and lease loss provision to assets | 0.0621% | 6,176 |
| Net operating income to assets | 0.4442% | 4,673 |
| Return on assets (ROA) | 0.6152% | 4,147 |
| Pretax return on assets | 0.9756% | 3,442 |
| Return on Equity (ROE) | 5.5153% | 4,245 |
| Retained earnings to average equity (ytd only) | 1.6156% | 4,939 |
| Net charge-offs to loans | 0.1261% | 3,956 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,603 |
| Efficiency ratio | 86.2983% | 2,037 |
| Assets per employee ($millions) | 1.7098% | 8,058 |
| Cash dividends to net income (ytd only)* | 70.7071% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2126% | 1,066 |
| Loan loss allowance to noncurrent loans | 3,456.2500% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 5,847 |
| Noncurrent loans to loans | 0.0640% | 7,344 |
| Net loans and leases to total assets | 37.6162% | 7,673 |
| Net loans and leases to deposits | 43.1018% | 7,757 |
| Net loans and leases to core deposits | 50.1128% | 7,788 |
| Total domestic deposits to total assets | 87.2730% | 2,083 |
| Equity capital to assets | 10.9924% | 2,966 |
| Core capital (leverage) ratio | 11.0197% | 2,484 |
| Tier 1 risk-based capital ratio | 20.1041% | 1,608 |
| Total risk-based capital ratio | 21.3588% | 1,559 |
| Memoranda: | ||
| Average total assets | $64,373,000 | 6,317 |
| Average earning assets | $57,271,500 | 6,365 |
| Average equity | $7,180,000 | 6,342 |
| Average total loans | $25,370,500 | 7,039 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6918% | 2,057 |
| Cost of funding earning assets | 1.4508% | 7,683 |
| Net interest margin | 5.2410% | 313 |
| Noninterest income to average assets | 1.6648% | 498 |
| Noninterest expense to average assets | 4.7583% | 733 |
| Loan and lease loss provision to assets | 0.1901% | 4,983 |
| Net operating income to assets | 0.8400% | 3,269 |
| Return on assets (ROA) | 0.9646% | 2,598 |
| Pretax return on assets | 1.5349% | 1,581 |
| Return on Equity (ROE) | 8.6883% | 2,757 |
| Retained earnings to average equity (ytd only) | 4.5225% | 2,312 |
| Net charge-offs to loans | 0.3889% | 2,876 |
| Credit loss provision to net charge-offs | 112.1495% | 4,806 |
| Earnings coverage of net charge-offs (x) | 9.0280% | 2,766 |
| Efficiency ratio | 75.6675% | 3,289 |
| Assets per employee ($millions) | 1.6783% | 8,106 |
| Cash dividends to net income (ytd only)* | 47.9475% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1400% | 1,013 |
| Loan loss allowance to noncurrent loans | 2,119.2308% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.5551% | 5,514 |
| Noncurrent loans to loans | 0.1010% | 7,112 |
| Net loans and leases to total assets | 39.5098% | 7,694 |
| Net loans and leases to deposits | 45.0308% | 7,820 |
| Net loans and leases to core deposits | 53.2616% | 7,818 |
| Total domestic deposits to total assets | 87.7395% | 1,585 |
| Equity capital to assets | 11.3181% | 2,784 |
| Core capital (leverage) ratio | 10.8861% | 2,681 |
| Tier 1 risk-based capital ratio | 20.3034% | 1,570 |
| Total risk-based capital ratio | 21.5594% | 1,535 |
| Memoranda: | ||
| Average total assets | $63,132,000 | 6,271 |
| Average earning assets | $55,695,200 | 6,348 |
| Average equity | $7,009,400 | 6,451 |
| Average total loans | $27,513,400 | 6,875 |