Home > All Capital Bank > Performance and Condition Ratios
All Capital 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 | 7.0782% | 209 |
| Cost of funding earning assets | 1.4545% | 2,064 |
| Net interest margin | 5.6238% | 160 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 3.3958% | 659 |
| Loan and lease loss provision to assets | 1.0200% | 68 |
| Net operating income to assets | 1.0843% | 1,961 |
| Return on assets (ROA) | 1.0843% | 1,936 |
| Pretax return on assets | 1.3652% | 1,709 |
| Return on Equity (ROE) | 8.4500% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.4524% | 1,407 |
| Net charge-offs to loans | 0.4042% | 254 |
| Credit loss provision to net charge-offs | 370.2381% | 824 |
| Earnings coverage of net charge-offs (x) | 8.6488% | 2,331 |
| Efficiency ratio | 58.7216% | 3,216 |
| Assets per employee ($millions) | 5.4077% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 1,287 |
| Loan loss allowance to noncurrent loans | 1,077.1084% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 2,844 |
| Noncurrent loans to loans | 0.1325% | 2,849 |
| Net loans and leases to total assets | 76.1300% | 1,098 |
| Net loans and leases to deposits | 85.7955% | 1,627 |
| Net loans and leases to core deposits | 89.2307% | 2,104 |
| Total domestic deposits to total assets | 88.7300% | 1,147 |
| Equity capital to assets | 10.5774% | 1,693 |
| Core capital (leverage) ratio | 11.6265% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $60,869,600 | 4,205 |
| Average earning assets | $57,203,600 | 4,172 |
| Average equity | $7,808,400 | 3,951 |
| Average total loans | $41,568,600 | 3,967 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7550% | 242 |
| Cost of funding earning assets | 1.0547% | 2,876 |
| Net interest margin | 5.7002% | 144 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 3.5191% | 542 |
| Loan and lease loss provision to assets | 0.7900% | 90 |
| Net operating income to assets | 1.1587% | 1,901 |
| Return on assets (ROA) | 1.1587% | 1,883 |
| Pretax return on assets | 1.5672% | 1,419 |
| Return on Equity (ROE) | 8.4900% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.4912% | 1,818 |
| Net charge-offs to loans | 0.4959% | 174 |
| Credit loss provision to net charge-offs | 245.9259% | 997 |
| Earnings coverage of net charge-offs (x) | 7.3185% | 2,242 |
| Efficiency ratio | 59.8537% | 2,980 |
| Assets per employee ($millions) | 4.2525% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 1,793 |
| Loan loss allowance to noncurrent loans | 430.7190% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 2,134 |
| Noncurrent loans to loans | 0.3055% | 2,139 |
| Net loans and leases to total assets | 72.6500% | 1,503 |
| Net loans and leases to deposits | 83.7028% | 1,764 |
| Net loans and leases to core deposits | 89.3898% | 1,970 |
| Total domestic deposits to total assets | 86.7900% | 1,953 |
| Equity capital to assets | 12.3530% | 958 |
| Core capital (leverage) ratio | 13.5926% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $55,808,000 | 4,272 |
| Average earning assets | $52,207,000 | 4,245 |
| Average equity | $7,615,500 | 3,982 |
| Average total loans | $36,299,000 | 4,064 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4397% | 277 |
| Cost of funding earning assets | 0.6851% | 3,527 |
| Net interest margin | 5.7546% | 131 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 3.7270% | 428 |
| Loan and lease loss provision to assets | 0.5600% | 127 |
| Net operating income to assets | 1.2333% | 1,740 |
| Return on assets (ROA) | 1.2333% | 1,733 |
| Pretax return on assets | 1.6741% | 1,267 |
| Return on Equity (ROE) | 8.6800% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.6775% | 1,771 |
| Net charge-offs to loans | 0.4984% | 166 |
| Credit loss provision to net charge-offs | 182.2785% | 1,087 |
| Earnings coverage of net charge-offs (x) | 7.3038% | 2,089 |
| Efficiency ratio | 62.5568% | 2,639 |
| Assets per employee ($millions) | 3.3258% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 1,345 |
| Loan loss allowance to noncurrent loans | 359.2105% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 1,861 |
| Noncurrent loans to loans | 0.4042% | 1,720 |
| Net loans and leases to total assets | 65.5500% | 2,205 |
| Net loans and leases to deposits | 77.5059% | 2,179 |
| Net loans and leases to core deposits | 80.4170% | 2,438 |
| Total domestic deposits to total assets | 84.5700% | 2,669 |
| Equity capital to assets | 14.5725% | 566 |
| Core capital (leverage) ratio | 15.1902% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $51,730,667 | 4,340 |
| Average earning assets | $48,170,000 | 4,309 |
| Average equity | $7,352,333 | 4,033 |
| Average total loans | $31,702,667 | 4,146 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9289% | 339 |
| Cost of funding earning assets | 0.5175% | 3,632 |
| Net interest margin | 5.4114% | 166 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 3.4221% | 588 |
| Loan and lease loss provision to assets | 0.3200% | 260 |
| Net operating income to assets | 1.3867% | 1,442 |
| Return on assets (ROA) | 1.3867% | 1,413 |
| Pretax return on assets | 1.9138% | 891 |
| Return on Equity (ROE) | 9.9000% | 2,814 |
| Retained earnings to average equity (ytd only) | 9.9001% | 1,723 |
| Net charge-offs to loans | 0.5704% | 143 |
| Credit loss provision to net charge-offs | 95.1220% | 1,158 |
| Earnings coverage of net charge-offs (x) | 6.7073% | 1,777 |
| Efficiency ratio | 60.5452% | 2,888 |
| Assets per employee ($millions) | 3.5377% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 975 |
| Loan loss allowance to noncurrent loans | 601.2500% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 2,461 |
| Noncurrent loans to loans | 0.2693% | 2,182 |
| Net loans and leases to total assets | 55.0700% | 3,115 |
| Net loans and leases to deposits | 65.7769% | 2,953 |
| Net loans and leases to core deposits | 68.5077% | 3,054 |
| Total domestic deposits to total assets | 83.7200% | 3,150 |
| Equity capital to assets | 15.5184% | 436 |
| Core capital (leverage) ratio | 16.3998% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $49,327,000 | 4,422 |
| Average earning assets | $45,607,000 | 4,395 |
| Average equity | $6,909,000 | 4,135 |
| Average total loans | $28,750,500 | 4,246 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3919% | 178 |
| Cost of funding earning assets | 0.4090% | 2,015 |
| Net interest margin | 4.9830% | 140 |
| Noninterest income to average assets | 0.9700% | 682 |
| Noninterest expense to average assets | 3.0375% | 914 |
| Loan and lease loss provision to assets | -0.7500% | 4,703 |
| Net operating income to assets | 2.7347% | 127 |
| Return on assets (ROA) | 2.7347% | 124 |
| Pretax return on assets | 3.2650% | 111 |
| Return on Equity (ROE) | 24.3100% | 233 |
| Retained earnings to average equity (ytd only) | 4.3893% | 3,273 |
| Net charge-offs to loans | 0.4812% | 157 |
| Credit loss provision to net charge-offs | -244.0789% | 4,611 |
| Earnings coverage of net charge-offs (x) | 8.1316% | 2,275 |
| Efficiency ratio | 54.7419% | 3,715 |
| Assets per employee ($millions) | 2.8493% | 4,549 |
| Cash dividends to net income (ytd only)* | 81.9465% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7377% | 754 |
| Loan loss allowance to noncurrent loans | 443.1193% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 1,955 |
| Noncurrent loans to loans | 0.3921% | 1,746 |
| Net loans and leases to total assets | 59.9100% | 2,636 |
| Net loans and leases to deposits | 68.7968% | 2,678 |
| Net loans and leases to core deposits | 71.7366% | 2,746 |
| Total domestic deposits to total assets | 87.0900% | 2,366 |
| Equity capital to assets | 12.2466% | 864 |
| Core capital (leverage) ratio | 11.5830% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $49,218,400 | 4,447 |
| Average earning assets | $45,234,200 | 4,426 |
| Average equity | $5,536,200 | 4,382 |
| Average total loans | $31,590,600 | 4,215 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2421% | 154 |
| Cost of funding earning assets | 0.4101% | 1,221 |
| Net interest margin | 4.8320% | 140 |
| Noninterest income to average assets | 1.0500% | 616 |
| Noninterest expense to average assets | 3.0908% | 800 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.7662% | 457 |
| Return on assets (ROA) | 1.7662% | 443 |
| Pretax return on assets | 2.3035% | 271 |
| Return on Equity (ROE) | 16.0300% | 970 |
| Retained earnings to average equity (ytd only) | 3.9580% | 3,457 |
| Net charge-offs to loans | 0.6310% | 100 |
| Credit loss provision to net charge-offs | 25.9740% | 1,613 |
| Earnings coverage of net charge-offs (x) | 5.8831% | 2,130 |
| Efficiency ratio | 56.1896% | 3,610 |
| Assets per employee ($millions) | 3.0695% | 4,562 |
| Cash dividends to net income (ytd only)* | 75.3012% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9690% | 136 |
| Loan loss allowance to noncurrent loans | 883.1683% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 2,234 |
| Noncurrent loans to loans | 0.3362% | 2,024 |
| Net loans and leases to total assets | 59.3600% | 2,573 |
| Net loans and leases to deposits | 67.8759% | 2,541 |
| Net loans and leases to core deposits | 70.5450% | 2,605 |
| Total domestic deposits to total assets | 87.4500% | 2,612 |
| Equity capital to assets | 11.2070% | 1,097 |
| Core capital (leverage) ratio | 10.8599% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $50,126,000 | 4,472 |
| Average earning assets | $46,163,750 | 4,452 |
| Average equity | $5,524,500 | 4,416 |
| Average total loans | $32,539,250 | 4,222 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1370% | 138 |
| Cost of funding earning assets | 0.4266% | 776 |
| Net interest margin | 4.7104% | 148 |
| Noninterest income to average assets | 0.8600% | 923 |
| Noninterest expense to average assets | 3.0517% | 789 |
| Loan and lease loss provision to assets | 0.0991% | 1,010 |
| Net operating income to assets | 1.5219% | 670 |
| Return on assets (ROA) | 1.5219% | 650 |
| Pretax return on assets | 2.0411% | 348 |
| Return on Equity (ROE) | 13.8845% | 1,143 |
| Retained earnings to average equity (ytd only) | 13.8845% | 370 |
| Net charge-offs to loans | 0.9050% | 71 |
| Credit loss provision to net charge-offs | 16.5563% | 1,618 |
| Earnings coverage of net charge-offs (x) | 3.5762% | 1,991 |
| Efficiency ratio | 58.7786% | 3,460 |
| Assets per employee ($millions) | 3.4669% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7775% | 180 |
| Loan loss allowance to noncurrent loans | 1,189.1892% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 2,728 |
| Noncurrent loans to loans | 0.2336% | 2,549 |
| Net loans and leases to total assets | 59.2331% | 2,416 |
| Net loans and leases to deposits | 67.4528% | 2,436 |
| Net loans and leases to core deposits | 69.9369% | 2,494 |
| Total domestic deposits to total assets | 87.8142% | 2,648 |
| Equity capital to assets | 11.0071% | 1,206 |
| Core capital (leverage) ratio | 11.0497% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,464,000 | 4,508 |
| Average earning assets | $46,408,333 | 4,505 |
| Average equity | $5,531,333 | 4,463 |
| Average total loans | $33,371,000 | 4,256 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3394% | 107 |
| Cost of funding earning assets | 0.4670% | 589 |
| Net interest margin | 4.8724% | 107 |
| Noninterest income to average assets | 0.9015% | 837 |
| Noninterest expense to average assets | 3.1472% | 651 |
| Loan and lease loss provision to assets | 0.0805% | 1,016 |
| Net operating income to assets | 1.5293% | 593 |
| Return on assets (ROA) | 1.5293% | 587 |
| Pretax return on assets | 2.1250% | 286 |
| Return on Equity (ROE) | 13.9834% | 833 |
| Retained earnings to average equity (ytd only) | 13.9834% | 380 |
| Net charge-offs to loans | 1.8705% | 40 |
| Credit loss provision to net charge-offs | 6.2500% | 1,324 |
| Earnings coverage of net charge-offs (x) | 1.7125% | 1,731 |
| Efficiency ratio | 58.7970% | 3,602 |
| Assets per employee ($millions) | 3.3401% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5954% | 260 |
| Loan loss allowance to noncurrent loans | 1,678.4314% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 3,095 |
| Noncurrent loans to loans | 0.1546% | 3,029 |
| Net loans and leases to total assets | 64.1205% | 1,605 |
| Net loans and leases to deposits | 72.9765% | 1,698 |
| Net loans and leases to core deposits | 75.7629% | 1,796 |
| Total domestic deposits to total assets | 87.8645% | 2,586 |
| Equity capital to assets | 11.0377% | 1,317 |
| Core capital (leverage) ratio | 10.7591% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,694,500 | 4,539 |
| Average earning assets | $45,398,500 | 4,541 |
| Average equity | $5,435,000 | 4,525 |
| Average total loans | $34,215,000 | 4,258 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9452% | 86 |
| Cost of funding earning assets | 0.5543% | 692 |
| Net interest margin | 5.3908% | 94 |
| Noninterest income to average assets | 0.9421% | 1,110 |
| Noninterest expense to average assets | 3.1463% | 790 |
| Loan and lease loss provision to assets | 0.2217% | 456 |
| Net operating income to assets | 1.8020% | 504 |
| Return on assets (ROA) | 1.8020% | 525 |
| Pretax return on assets | 2.5039% | 253 |
| Return on Equity (ROE) | 16.1267% | 735 |
| Retained earnings to average equity (ytd only) | 1.4327% | 4,145 |
| Net charge-offs to loans | -0.0113% | 3,782 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5827% | 3,975 |
| Assets per employee ($millions) | 3.0805% | 4,674 |
| Cash dividends to net income (ytd only)* | 91.1162% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8379% | 178 |
| Loan loss allowance to noncurrent loans | 467.9070% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 1,506 |
| Noncurrent loans to loans | 0.6065% | 1,626 |
| Net loans and leases to total assets | 69.8811% | 1,056 |
| Net loans and leases to deposits | 79.1975% | 1,281 |
| Net loans and leases to core deposits | 82.7539% | 1,403 |
| Total domestic deposits to total assets | 88.2365% | 1,915 |
| Equity capital to assets | 10.8343% | 1,914 |
| Core capital (leverage) ratio | 10.6179% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,723,200 | 4,577 |
| Average earning assets | $44,557,000 | 4,565 |
| Average equity | $5,444,400 | 4,585 |
| Average total loans | $35,396,200 | 4,279 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0176% | 85 |
| Cost of funding earning assets | 0.5656% | 765 |
| Net interest margin | 5.4520% | 91 |
| Noninterest income to average assets | 0.9441% | 1,162 |
| Noninterest expense to average assets | 3.1451% | 770 |
| Loan and lease loss provision to assets | 0.2552% | 358 |
| Net operating income to assets | 1.8305% | 625 |
| Return on assets (ROA) | 1.8305% | 656 |
| Pretax return on assets | 2.5441% | 322 |
| Return on Equity (ROE) | 16.2565% | 896 |
| Retained earnings to average equity (ytd only) | 4.0702% | 3,557 |
| Net charge-offs to loans | 0.0226% | 1,595 |
| Credit loss provision to net charge-offs | 1,550.0000% | 391 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 617 |
| Efficiency ratio | 52.9086% | 3,929 |
| Assets per employee ($millions) | 2.7768% | 4,790 |
| Cash dividends to net income (ytd only)* | 74.9625% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7244% | 211 |
| Loan loss allowance to noncurrent loans | 934.2857% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 2,727 |
| Noncurrent loans to loans | 0.2916% | 2,748 |
| Net loans and leases to total assets | 70.0792% | 1,069 |
| Net loans and leases to deposits | 79.5417% | 1,329 |
| Net loans and leases to core deposits | 82.5680% | 1,530 |
| Total domestic deposits to total assets | 88.1037% | 1,776 |
| Equity capital to assets | 10.8619% | 2,114 |
| Core capital (leverage) ratio | 10.7907% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,582,000 | 4,644 |
| Average earning assets | $44,557,250 | 4,632 |
| Average equity | $5,470,500 | 4,651 |
| Average total loans | $35,383,000 | 4,337 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1221% | 86 |
| Cost of funding earning assets | 0.5900% | 780 |
| Net interest margin | 5.5321% | 93 |
| Noninterest income to average assets | 0.9269% | 1,202 |
| Noninterest expense to average assets | 3.1341% | 801 |
| Loan and lease loss provision to assets | 0.2411% | 413 |
| Net operating income to assets | 1.8871% | 610 |
| Return on assets (ROA) | 1.8871% | 633 |
| Pretax return on assets | 2.6187% | 298 |
| Return on Equity (ROE) | 16.5563% | 849 |
| Retained earnings to average equity (ytd only) | 16.5563% | 302 |
| Net charge-offs to loans | 0.0171% | 1,606 |
| Credit loss provision to net charge-offs | 1,933.3333% | 300 |
| Earnings coverage of net charge-offs (x) | 229.3333% | 458 |
| Efficiency ratio | 52.2885% | 4,015 |
| Assets per employee ($millions) | 3.3360% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6051% | 245 |
| Loan loss allowance to noncurrent loans | 998.9474% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 3,009 |
| Noncurrent loans to loans | 0.2608% | 3,007 |
| Net loans and leases to total assets | 70.9013% | 1,099 |
| Net loans and leases to deposits | 80.9801% | 1,329 |
| Net loans and leases to core deposits | 83.2020% | 1,627 |
| Total domestic deposits to total assets | 87.5540% | 2,066 |
| Equity capital to assets | 11.4229% | 1,677 |
| Core capital (leverage) ratio | 11.4464% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,115,333 | 4,673 |
| Average earning assets | $44,070,000 | 4,662 |
| Average equity | $5,484,333 | 4,679 |
| Average total loans | $35,174,667 | 4,372 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0658% | 100 |
| Cost of funding earning assets | 0.6243% | 783 |
| Net interest margin | 5.4415% | 110 |
| Noninterest income to average assets | 0.8822% | 1,375 |
| Noninterest expense to average assets | 3.1218% | 814 |
| Loan and lease loss provision to assets | 0.2121% | 560 |
| Net operating income to assets | 1.8069% | 780 |
| Return on assets (ROA) | 1.8069% | 834 |
| Pretax return on assets | 2.5025% | 435 |
| Return on Equity (ROE) | 15.8704% | 1,046 |
| Retained earnings to average equity (ytd only) | 15.8704% | 536 |
| Net charge-offs to loans | -0.0347% | 4,237 |
| Credit loss provision to net charge-offs | -833.3333% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4884% | 3,849 |
| Assets per employee ($millions) | 3.0248% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6474% | 215 |
| Loan loss allowance to noncurrent loans | 587.2611% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 2,519 |
| Noncurrent loans to loans | 0.4508% | 2,503 |
| Net loans and leases to total assets | 70.0560% | 1,280 |
| Net loans and leases to deposits | 79.9363% | 1,528 |
| Net loans and leases to core deposits | 82.1959% | 1,821 |
| Total domestic deposits to total assets | 87.6397% | 2,021 |
| Equity capital to assets | 11.3127% | 1,650 |
| Core capital (leverage) ratio | 11.3995% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,153,000 | 4,705 |
| Average earning assets | $42,929,000 | 4,689 |
| Average equity | $5,368,500 | 4,705 |
| Average total loans | $34,548,000 | 4,409 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5484% | 54 |
| Cost of funding earning assets | 0.7861% | 1,269 |
| Net interest margin | 5.7623% | 54 |
| Noninterest income to average assets | 0.9780% | 1,094 |
| Noninterest expense to average assets | 3.3924% | 800 |
| Loan and lease loss provision to assets | 0.5786% | 362 |
| Net operating income to assets | 1.7087% | 486 |
| Return on assets (ROA) | 1.7087% | 528 |
| Pretax return on assets | 2.2465% | 280 |
| Return on Equity (ROE) | 14.1048% | 786 |
| Retained earnings to average equity (ytd only) | 0.9928% | 4,232 |
| Net charge-offs to loans | 0.1789% | 938 |
| Credit loss provision to net charge-offs | 439.6552% | 1,352 |
| Earnings coverage of net charge-offs (x) | 21.4655% | 1,896 |
| Efficiency ratio | 54.5620% | 4,150 |
| Assets per employee ($millions) | 3.0606% | 4,799 |
| Cash dividends to net income (ytd only)* | 92.9615% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6088% | 224 |
| Loan loss allowance to noncurrent loans | 256.8966% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 1,353 |
| Noncurrent loans to loans | 1.0155% | 1,396 |
| Net loans and leases to total assets | 72.6982% | 1,203 |
| Net loans and leases to deposits | 82.9131% | 1,556 |
| Net loans and leases to core deposits | 86.4817% | 1,829 |
| Total domestic deposits to total assets | 87.6800% | 1,621 |
| Equity capital to assets | 11.4618% | 1,913 |
| Core capital (leverage) ratio | 11.2827% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,068,600 | 4,718 |
| Average earning assets | $40,070,800 | 4,716 |
| Average equity | $5,338,600 | 4,711 |
| Average total loans | $32,422,800 | 4,473 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5208% | 59 |
| Cost of funding earning assets | 0.8260% | 1,375 |
| Net interest margin | 5.6948% | 61 |
| Noninterest income to average assets | 0.9814% | 1,054 |
| Noninterest expense to average assets | 3.3876% | 811 |
| Loan and lease loss provision to assets | 0.6123% | 403 |
| Net operating income to assets | 1.6510% | 643 |
| Return on assets (ROA) | 1.6510% | 717 |
| Pretax return on assets | 2.1677% | 362 |
| Return on Equity (ROE) | 13.4381% | 991 |
| Retained earnings to average equity (ytd only) | 0.9954% | 4,260 |
| Net charge-offs to loans | 0.2169% | 708 |
| Credit loss provision to net charge-offs | 384.6154% | 1,509 |
| Earnings coverage of net charge-offs (x) | 17.4808% | 2,014 |
| Efficiency ratio | 54.9331% | 4,049 |
| Assets per employee ($millions) | 3.0541% | 4,825 |
| Cash dividends to net income (ytd only)* | 92.5926% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4550% | 244 |
| Loan loss allowance to noncurrent loans | 199.2925% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 1,236 |
| Noncurrent loans to loans | 1.2319% | 1,236 |
| Net loans and leases to total assets | 73.2865% | 1,462 |
| Net loans and leases to deposits | 83.5881% | 1,951 |
| Net loans and leases to core deposits | 87.1825% | 2,217 |
| Total domestic deposits to total assets | 87.6757% | 1,356 |
| Equity capital to assets | 11.4577% | 2,044 |
| Core capital (leverage) ratio | 11.5118% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,608,500 | 4,748 |
| Average earning assets | $39,708,000 | 4,743 |
| Average equity | $5,357,750 | 4,733 |
| Average total loans | $31,961,250 | 4,509 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6117% | 79 |
| Cost of funding earning assets | 0.8983% | 1,382 |
| Net interest margin | 5.7134% | 78 |
| Noninterest income to average assets | 0.9889% | 1,008 |
| Noninterest expense to average assets | 3.4333% | 813 |
| Loan and lease loss provision to assets | 0.5131% | 678 |
| Net operating income to assets | 1.7027% | 619 |
| Return on assets (ROA) | 1.7027% | 674 |
| Pretax return on assets | 2.2345% | 343 |
| Return on Equity (ROE) | 13.5336% | 972 |
| Retained earnings to average equity (ytd only) | 13.5336% | 308 |
| Net charge-offs to loans | 0.2569% | 613 |
| Credit loss provision to net charge-offs | 275.0000% | 1,684 |
| Earnings coverage of net charge-offs (x) | 14.7250% | 1,938 |
| Efficiency ratio | 55.5472% | 4,000 |
| Assets per employee ($millions) | 2.6841% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3810% | 256 |
| Loan loss allowance to noncurrent loans | 203.4483% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.8262% | 1,500 |
| Noncurrent loans to loans | 1.1703% | 1,339 |
| Net loans and leases to total assets | 68.9152% | 2,199 |
| Net loans and leases to deposits | 79.4011% | 2,504 |
| Net loans and leases to core deposits | 81.7799% | 2,794 |
| Total domestic deposits to total assets | 86.7938% | 1,700 |
| Equity capital to assets | 12.2156% | 1,531 |
| Core capital (leverage) ratio | 12.1802% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,874,000 | 4,776 |
| Average earning assets | $38,961,000 | 4,773 |
| Average equity | $5,394,000 | 4,755 |
| Average total loans | $31,142,000 | 4,540 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7817% | 66 |
| Cost of funding earning assets | 1.0253% | 1,314 |
| Net interest margin | 5.7564% | 66 |
| Noninterest income to average assets | 1.1182% | 690 |
| Noninterest expense to average assets | 3.5377% | 882 |
| Loan and lease loss provision to assets | 0.3663% | 840 |
| Net operating income to assets | 1.8315% | 383 |
| Return on assets (ROA) | 1.8315% | 429 |
| Pretax return on assets | 2.4099% | 197 |
| Return on Equity (ROE) | 14.3288% | 641 |
| Retained earnings to average equity (ytd only) | 14.3288% | 232 |
| Net charge-offs to loans | -0.1568% | 4,904 |
| Credit loss provision to net charge-offs | -316.6667% | 3,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0305% | 4,205 |
| Assets per employee ($millions) | 2.5205% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4022% | 289 |
| Loan loss allowance to noncurrent loans | 208.0780% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.8378% | 1,603 |
| Noncurrent loans to loans | 1.1545% | 1,439 |
| Net loans and leases to total assets | 70.8278% | 2,115 |
| Net loans and leases to deposits | 81.8672% | 2,470 |
| Net loans and leases to core deposits | 84.4788% | 2,810 |
| Total domestic deposits to total assets | 86.5154% | 1,770 |
| Equity capital to assets | 12.6001% | 1,676 |
| Core capital (leverage) ratio | 12.7079% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,496,000 | 4,820 |
| Average earning assets | $37,454,000 | 4,823 |
| Average equity | $5,304,000 | 4,804 |
| Average total loans | $30,606,500 | 4,581 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9987% | 68 |
| Cost of funding earning assets | 0.9338% | 2,041 |
| Net interest margin | 6.0650% | 64 |
| Noninterest income to average assets | 1.2615% | 591 |
| Noninterest expense to average assets | 4.0018% | 529 |
| Loan and lease loss provision to assets | 0.5141% | 248 |
| Net operating income to assets | 1.6325% | 769 |
| Return on assets (ROA) | 1.6325% | 821 |
| Pretax return on assets | 2.1679% | 405 |
| Return on Equity (ROE) | 12.5997% | 1,299 |
| Retained earnings to average equity (ytd only) | 12.5997% | 193 |
| Net charge-offs to loans | 0.2384% | 858 |
| Credit loss provision to net charge-offs | 298.4615% | 938 |
| Earnings coverage of net charge-offs (x) | 15.5692% | 2,222 |
| Efficiency ratio | 59.8731% | 3,716 |
| Assets per employee ($millions) | 2.3614% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3143% | 280 |
| Loan loss allowance to noncurrent loans | 237.8840% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 1,774 |
| Noncurrent loans to loans | 0.9729% | 1,570 |
| Net loans and leases to total assets | 73.2880% | 1,877 |
| Net loans and leases to deposits | 84.9651% | 2,209 |
| Net loans and leases to core deposits | 87.8550% | 2,614 |
| Total domestic deposits to total assets | 86.2566% | 1,955 |
| Equity capital to assets | 12.9761% | 1,540 |
| Core capital (leverage) ratio | 12.6171% | 1,421 |
| Tier 1 risk-based capital ratio | 15.1535% | 2,719 |
| Total risk-based capital ratio | 16.4116% | 2,650 |
| Memoranda: | ||
| Average total assets | $37,732,600 | 4,928 |
| Average earning assets | $33,734,800 | 4,933 |
| Average equity | $4,889,000 | 4,896 |
| Average total loans | $27,269,000 | 4,702 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9478% | 72 |
| Cost of funding earning assets | 0.8791% | 2,324 |
| Net interest margin | 6.0688% | 63 |
| Noninterest income to average assets | 1.2532% | 581 |
| Noninterest expense to average assets | 4.0074% | 526 |
| Loan and lease loss provision to assets | 0.5315% | 224 |
| Net operating income to assets | 1.6159% | 895 |
| Return on assets (ROA) | 1.6159% | 933 |
| Pretax return on assets | 2.1186% | 530 |
| Return on Equity (ROE) | 12.4764% | 1,456 |
| Retained earnings to average equity (ytd only) | 12.4764% | 328 |
| Net charge-offs to loans | -0.0954% | 4,978 |
| Credit loss provision to net charge-offs | -778.9474% | 4,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1942% | 3,606 |
| Assets per employee ($millions) | 2.2284% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5368% | 210 |
| Loan loss allowance to noncurrent loans | 220.7207% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.8302% | 1,660 |
| Noncurrent loans to loans | 1.1493% | 1,374 |
| Net loans and leases to total assets | 70.3979% | 2,412 |
| Net loans and leases to deposits | 81.3681% | 2,757 |
| Net loans and leases to core deposits | 84.1143% | 3,085 |
| Total domestic deposits to total assets | 86.5178% | 1,764 |
| Equity capital to assets | 12.5723% | 1,858 |
| Core capital (leverage) ratio | 12.4893% | 1,575 |
| Tier 1 risk-based capital ratio | 15.0488% | 2,823 |
| Total risk-based capital ratio | 16.3097% | 2,748 |
| Memoranda: | ||
| Average total assets | $37,130,000 | 5,012 |
| Average earning assets | $33,064,750 | 5,020 |
| Average equity | $4,809,000 | 4,969 |
| Average total loans | $26,557,000 | 4,786 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7305% | 92 |
| Cost of funding earning assets | 0.7804% | 2,743 |
| Net interest margin | 5.9501% | 69 |
| Noninterest income to average assets | 1.3947% | 448 |
| Noninterest expense to average assets | 4.1676% | 431 |
| Loan and lease loss provision to assets | 0.3985% | 302 |
| Net operating income to assets | 1.6050% | 902 |
| Return on assets (ROA) | 1.6050% | 940 |
| Pretax return on assets | 2.1032% | 548 |
| Return on Equity (ROE) | 12.2596% | 1,486 |
| Retained earnings to average equity (ytd only) | 12.2596% | 377 |
| Net charge-offs to loans | -0.3184% | 5,191 |
| Credit loss provision to net charge-offs | -175.6098% | 3,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4896% | 3,353 |
| Assets per employee ($millions) | 2.3344% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4212% | 247 |
| Loan loss allowance to noncurrent loans | 225.1656% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.9676% | 1,434 |
| Noncurrent loans to loans | 1.0753% | 1,523 |
| Net loans and leases to total assets | 69.0563% | 2,669 |
| Net loans and leases to deposits | 79.5039% | 3,006 |
| Net loans and leases to core deposits | 83.4450% | 3,159 |
| Total domestic deposits to total assets | 86.8590% | 1,659 |
| Equity capital to assets | 12.3044% | 1,981 |
| Core capital (leverage) ratio | 12.6605% | 1,454 |
| Tier 1 risk-based capital ratio | 14.9926% | 2,847 |
| Total risk-based capital ratio | 16.2532% | 2,758 |
| Memoranda: | ||
| Average total assets | $36,136,000 | 5,067 |
| Average earning assets | $32,033,330 | 5,076 |
| Average equity | $4,731,000 | 5,013 |
| Average total loans | $25,751,670 | 4,837 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8412% | 81 |
| Cost of funding earning assets | 0.6921% | 3,097 |
| Net interest margin | 6.1491% | 62 |
| Noninterest income to average assets | 1.3503% | 473 |
| Noninterest expense to average assets | 4.3188% | 358 |
| Loan and lease loss provision to assets | 0.5238% | 203 |
| Net operating income to assets | 1.4435% | 1,255 |
| Return on assets (ROA) | 1.4435% | 1,283 |
| Pretax return on assets | 1.8858% | 816 |
| Return on Equity (ROE) | 10.6552% | 2,098 |
| Retained earnings to average equity (ytd only) | 10.6552% | 889 |
| Net charge-offs to loans | 0.5695% | 265 |
| Credit loss provision to net charge-offs | 128.5714% | 1,356 |
| Earnings coverage of net charge-offs (x) | 5.9143% | 2,230 |
| Efficiency ratio | 64.1869% | 3,206 |
| Assets per employee ($millions) | 2.2729% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2668% | 323 |
| Loan loss allowance to noncurrent loans | 180.6250% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 1.1549% | 1,177 |
| Noncurrent loans to loans | 1.2550% | 1,311 |
| Net loans and leases to total assets | 68.5237% | 2,689 |
| Net loans and leases to deposits | 79.5658% | 2,886 |
| Net loans and leases to core deposits | 83.9199% | 3,033 |
| Total domestic deposits to total assets | 86.1220% | 2,217 |
| Equity capital to assets | 12.9706% | 1,470 |
| Core capital (leverage) ratio | 13.5411% | 1,084 |
| Tier 1 risk-based capital ratio | 15.6318% | 2,592 |
| Total risk-based capital ratio | 16.8885% | 2,513 |
| Memoranda: | ||
| Average total assets | $34,361,500 | 5,141 |
| Average earning assets | $30,053,000 | 5,153 |
| Average equity | $4,655,000 | 5,064 |
| Average total loans | $24,585,000 | 4,918 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7043% | 71 |
| Cost of funding earning assets | 0.2354% | 4,870 |
| Net interest margin | 6.4689% | 51 |
| Noninterest income to average assets | 1.3731% | 483 |
| Noninterest expense to average assets | 4.3181% | 360 |
| Loan and lease loss provision to assets | 0.5413% | 210 |
| Net operating income to assets | 1.7095% | 678 |
| Return on assets (ROA) | 1.7095% | 665 |
| Pretax return on assets | 2.2294% | 333 |
| Return on Equity (ROE) | 12.7387% | 1,448 |
| Retained earnings to average equity (ytd only) | 7.9759% | 1,246 |
| Net charge-offs to loans | 1.0704% | 136 |
| Credit loss provision to net charge-offs | 77.2926% | 2,906 |
| Earnings coverage of net charge-offs (x) | 3.9563% | 3,359 |
| Efficiency ratio | 60.9146% | 3,709 |
| Assets per employee ($millions) | 2.0223% | 5,309 |
| Cash dividends to net income (ytd only)* | 37.3882% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3995% | 256 |
| Loan loss allowance to noncurrent loans | 231.8367% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 1.0663% | 1,271 |
| Noncurrent loans to loans | 1.0350% | 1,582 |
| Net loans and leases to total assets | 71.4056% | 2,364 |
| Net loans and leases to deposits | 84.2996% | 2,482 |
| Net loans and leases to core deposits | 87.0699% | 2,830 |
| Total domestic deposits to total assets | 84.7045% | 2,768 |
| Equity capital to assets | 14.2261% | 906 |
| Core capital (leverage) ratio | 14.0780% | 904 |
| Tier 1 risk-based capital ratio | 16.7926% | 2,138 |
| Total risk-based capital ratio | 18.0502% | 2,076 |
| Memoranda: | ||
| Average total assets | $32,699,800 | 5,209 |
| Average earning assets | $28,892,000 | 5,209 |
| Average equity | $4,388,200 | 5,124 |
| Average total loans | $21,393,200 | 5,042 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5307% | 84 |
| Cost of funding earning assets | 0.1700% | 5,142 |
| Net interest margin | 6.3607% | 57 |
| Noninterest income to average assets | 1.3258% | 543 |
| Noninterest expense to average assets | 4.3595% | 335 |
| Loan and lease loss provision to assets | 0.4351% | 280 |
| Net operating income to assets | 1.6511% | 841 |
| Return on assets (ROA) | 1.6511% | 847 |
| Pretax return on assets | 2.1594% | 424 |
| Return on Equity (ROE) | 12.4886% | 1,611 |
| Retained earnings to average equity (ytd only) | 6.0598% | 2,626 |
| Net charge-offs to loans | 1.1461% | 121 |
| Credit loss provision to net charge-offs | 59.7765% | 2,752 |
| Earnings coverage of net charge-offs (x) | 3.5643% | 3,150 |
| Efficiency ratio | 62.6901% | 3,396 |
| Assets per employee ($millions) | 2.2941% | 5,336 |
| Cash dividends to net income (ytd only)* | 51.4779% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4944% | 242 |
| Loan loss allowance to noncurrent loans | 162.1302% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.3637% | 987 |
| Noncurrent loans to loans | 1.5385% | 1,045 |
| Net loans and leases to total assets | 66.6947% | 3,101 |
| Net loans and leases to deposits | 78.7189% | 3,170 |
| Net loans and leases to core deposits | 79.8100% | 3,509 |
| Total domestic deposits to total assets | 84.7251% | 2,711 |
| Equity capital to assets | 13.8552% | 1,002 |
| Core capital (leverage) ratio | 13.3454% | 1,158 |
| Tier 1 risk-based capital ratio | 17.5257% | 1,916 |
| Total risk-based capital ratio | 18.7842% | 1,877 |
| Memoranda: | ||
| Average total assets | $32,785,750 | 5,278 |
| Average earning assets | $29,011,000 | 5,275 |
| Average equity | $4,334,500 | 5,196 |
| Average total loans | $20,823,500 | 5,119 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2082% | 112 |
| Cost of funding earning assets | 0.1643% | 5,184 |
| Net interest margin | 6.0439% | 73 |
| Noninterest income to average assets | 1.2785% | 591 |
| Noninterest expense to average assets | 4.2292% | 397 |
| Loan and lease loss provision to assets | 0.2727% | 550 |
| Net operating income to assets | 1.6238% | 871 |
| Return on assets (ROA) | 1.6238% | 873 |
| Pretax return on assets | 2.1267% | 463 |
| Return on Equity (ROE) | 12.4767% | 1,551 |
| Retained earnings to average equity (ytd only) | 2.7467% | 4,154 |
| Net charge-offs to loans | 0.7631% | 186 |
| Credit loss provision to net charge-offs | 57.6923% | 2,444 |
| Earnings coverage of net charge-offs (x) | 5.0769% | 2,744 |
| Efficiency ratio | 63.8026% | 3,343 |
| Assets per employee ($millions) | 2.4571% | 5,344 |
| Cash dividends to net income (ytd only)* | 77.9851% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8429% | 170 |
| Loan loss allowance to noncurrent loans | 386.1842% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 2,040 |
| Noncurrent loans to loans | 0.7361% | 2,268 |
| Net loans and leases to total assets | 58.3186% | 3,959 |
| Net loans and leases to deposits | 67.5386% | 4,050 |
| Net loans and leases to core deposits | 68.3952% | 4,230 |
| Total domestic deposits to total assets | 86.3484% | 2,117 |
| Equity capital to assets | 12.5323% | 1,519 |
| Core capital (leverage) ratio | 12.5394% | 1,418 |
| Tier 1 risk-based capital ratio | 17.9018% | 1,824 |
| Total risk-based capital ratio | 19.1660% | 1,787 |
| Memoranda: | ||
| Average total assets | $33,008,330 | 5,340 |
| Average earning assets | $29,219,330 | 5,337 |
| Average equity | $4,296,000 | 5,263 |
| Average total loans | $20,441,670 | 5,185 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0358% | 130 |
| Cost of funding earning assets | 0.1657% | 5,183 |
| Net interest margin | 5.8701% | 80 |
| Noninterest income to average assets | 1.2626% | 582 |
| Noninterest expense to average assets | 4.4317% | 314 |
| Loan and lease loss provision to assets | 0.2847% | 472 |
| Net operating income to assets | 1.3864% | 1,380 |
| Return on assets (ROA) | 1.3864% | 1,393 |
| Pretax return on assets | 1.8073% | 899 |
| Return on Equity (ROE) | 10.4465% | 2,206 |
| Retained earnings to average equity (ytd only) | 6.6224% | 2,446 |
| Net charge-offs to loans | 0.5703% | 260 |
| Credit loss provision to net charge-offs | 79.3103% | 1,754 |
| Earnings coverage of net charge-offs (x) | 5.8276% | 2,198 |
| Efficiency ratio | 67.9317% | 2,840 |
| Assets per employee ($millions) | 2.2382% | 5,464 |
| Cash dividends to net income (ytd only)* | 36.6071% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0567% | 147 |
| Loan loss allowance to noncurrent loans | 341.1111% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 1,899 |
| Noncurrent loans to loans | 0.8961% | 2,033 |
| Net loans and leases to total assets | 58.0020% | 3,941 |
| Net loans and leases to deposits | 67.5278% | 3,981 |
| Net loans and leases to core deposits | 68.4079% | 4,195 |
| Total domestic deposits to total assets | 85.8934% | 2,592 |
| Equity capital to assets | 12.8794% | 1,304 |
| Core capital (leverage) ratio | 13.0558% | 1,166 |
| Tier 1 risk-based capital ratio | 17.9043% | 1,866 |
| Total risk-based capital ratio | 19.1686% | 1,808 |
| Memoranda: | ||
| Average total assets | $32,313,000 | 5,406 |
| Average earning assets | $28,960,500 | 5,397 |
| Average equity | $4,288,500 | 5,316 |
| Average total loans | $20,338,500 | 5,245 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5973% | 70 |
| Cost of funding earning assets | 0.1681% | 5,168 |
| Net interest margin | 6.4292% | 52 |
| Noninterest income to average assets | 1.4791% | 482 |
| Noninterest expense to average assets | 4.4031% | 341 |
| Loan and lease loss provision to assets | 0.5149% | 256 |
| Net operating income to assets | 1.2357% | 1,409 |
| Return on assets (ROA) | 1.2357% | 1,429 |
| Pretax return on assets | 2.2905% | 270 |
| Return on Equity (ROE) | 9.5403% | 2,085 |
| Retained earnings to average equity (ytd only) | 5.6616% | 1,732 |
| Net charge-offs to loans | 0.6169% | 369 |
| Credit loss provision to net charge-offs | 125.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | 6.8106% | 3,133 |
| Efficiency ratio | 61.0823% | 4,101 |
| Assets per employee ($millions) | 2.5878% | 5,421 |
| Cash dividends to net income (ytd only)* | 40.6566% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0112% | 138 |
| Loan loss allowance to noncurrent loans | 488.1890% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7310% | 2,138 |
| Noncurrent loans to loans | 0.6168% | 2,687 |
| Net loans and leases to total assets | 64.3094% | 3,334 |
| Net loans and leases to deposits | 75.4924% | 3,378 |
| Net loans and leases to core deposits | 76.5633% | 3,698 |
| Total domestic deposits to total assets | 85.1866% | 2,762 |
| Equity capital to assets | 13.6959% | 988 |
| Core capital (leverage) ratio | 13.5149% | 961 |
| Tier 1 risk-based capital ratio | 17.6159% | 1,915 |
| Total risk-based capital ratio | 18.8812% | 1,858 |
| Memoranda: | ||
| Average total assets | $32,045,800 | 5,467 |
| Average earning assets | $28,557,000 | 5,462 |
| Average equity | $4,150,800 | 5,404 |
| Average total loans | $21,398,800 | 5,274 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5296% | 72 |
| Cost of funding earning assets | 0.1716% | 5,184 |
| Net interest margin | 6.3580% | 54 |
| Noninterest income to average assets | 1.4987% | 481 |
| Noninterest expense to average assets | 4.4341% | 329 |
| Loan and lease loss provision to assets | 0.5574% | 200 |
| Net operating income to assets | 1.4037% | 1,075 |
| Return on assets (ROA) | 1.4037% | 1,102 |
| Pretax return on assets | 2.1675% | 389 |
| Return on Equity (ROE) | 10.9889% | 1,703 |
| Retained earnings to average equity (ytd only) | 7.0781% | 1,657 |
| Net charge-offs to loans | 0.9444% | 189 |
| Credit loss provision to net charge-offs | 88.2353% | 2,479 |
| Earnings coverage of net charge-offs (x) | 4.3138% | 3,245 |
| Efficiency ratio | 61.9377% | 3,894 |
| Assets per employee ($millions) | 3.1406% | 5,132 |
| Cash dividends to net income (ytd only)* | 35.5885% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6909% | 210 |
| Loan loss allowance to noncurrent loans | 431.0606% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 2,285 |
| Noncurrent loans to loans | 0.6243% | 2,837 |
| Net loans and leases to total assets | 65.5161% | 3,176 |
| Net loans and leases to deposits | 76.9599% | 3,271 |
| Net loans and leases to core deposits | 78.0399% | 3,630 |
| Total domestic deposits to total assets | 85.1302% | 2,665 |
| Equity capital to assets | 13.4879% | 1,161 |
| Core capital (leverage) ratio | 12.9680% | 1,222 |
| Tier 1 risk-based capital ratio | 17.4981% | 2,010 |
| Total risk-based capital ratio | 18.7600% | 1,951 |
| Memoranda: | ||
| Average total assets | $32,294,000 | 5,520 |
| Average earning assets | $28,750,250 | 5,520 |
| Average equity | $4,125,250 | 5,465 |
| Average total loans | $21,601,000 | 5,319 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4314% | 80 |
| Cost of funding earning assets | 0.1654% | 5,236 |
| Net interest margin | 6.2659% | 60 |
| Noninterest income to average assets | 1.5035% | 480 |
| Noninterest expense to average assets | 4.4369% | 337 |
| Loan and lease loss provision to assets | 0.5523% | 203 |
| Net operating income to assets | 1.3562% | 1,159 |
| Return on assets (ROA) | 1.3562% | 1,187 |
| Pretax return on assets | 2.0927% | 452 |
| Return on Equity (ROE) | 10.8113% | 1,713 |
| Retained earnings to average equity (ytd only) | 6.8488% | 1,668 |
| Net charge-offs to loans | 1.1952% | 166 |
| Credit loss provision to net charge-offs | 69.2308% | 2,388 |
| Earnings coverage of net charge-offs (x) | 3.3154% | 3,062 |
| Efficiency ratio | 62.6516% | 3,875 |
| Assets per employee ($millions) | 2.3557% | 5,607 |
| Cash dividends to net income (ytd only)* | 36.6516% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5349% | 275 |
| Loan loss allowance to noncurrent loans | 323.6686% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8156% | 2,170 |
| Noncurrent loans to loans | 0.7832% | 2,447 |
| Net loans and leases to total assets | 63.7720% | 3,419 |
| Net loans and leases to deposits | 73.9496% | 3,550 |
| Net loans and leases to core deposits | 74.9216% | 3,865 |
| Total domestic deposits to total assets | 86.2371% | 2,279 |
| Equity capital to assets | 12.6046% | 1,570 |
| Core capital (leverage) ratio | 12.3843% | 1,425 |
| Tier 1 risk-based capital ratio | 16.5292% | 2,311 |
| Total risk-based capital ratio | 17.7891% | 2,257 |
| Memoranda: | ||
| Average total assets | $32,590,000 | 5,565 |
| Average earning assets | $29,014,000 | 5,561 |
| Average equity | $4,088,330 | 5,513 |
| Average total loans | $21,753,000 | 5,357 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4755% | 83 |
| Cost of funding earning assets | 0.1653% | 5,264 |
| Net interest margin | 6.3102% | 57 |
| Noninterest income to average assets | 1.4941% | 488 |
| Noninterest expense to average assets | 4.4698% | 344 |
| Loan and lease loss provision to assets | 0.5556% | 178 |
| Net operating income to assets | 1.3829% | 1,033 |
| Return on assets (ROA) | 1.3829% | 1,066 |
| Pretax return on assets | 2.1238% | 398 |
| Return on Equity (ROE) | 11.0508% | 1,538 |
| Retained earnings to average equity (ytd only) | 7.1041% | 1,811 |
| Net charge-offs to loans | 1.8315% | 83 |
| Credit loss provision to net charge-offs | 45.0000% | 2,032 |
| Earnings coverage of net charge-offs (x) | 2.1700% | 2,631 |
| Efficiency ratio | 62.5216% | 4,072 |
| Assets per employee ($millions) | 2.3586% | 5,670 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4522% | 330 |
| Loan loss allowance to noncurrent loans | 336.7089% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.7813% | 2,346 |
| Noncurrent loans to loans | 0.7283% | 2,678 |
| Net loans and leases to total assets | 64.0915% | 3,262 |
| Net loans and leases to deposits | 74.1313% | 3,388 |
| Net loans and leases to core deposits | 75.0994% | 3,732 |
| Total domestic deposits to total assets | 86.4567% | 2,463 |
| Equity capital to assets | 12.3864% | 1,609 |
| Core capital (leverage) ratio | 12.4158% | 1,379 |
| Tier 1 risk-based capital ratio | 16.2192% | 2,467 |
| Total risk-based capital ratio | 17.4765% | 2,404 |
| Memoranda: | ||
| Average total assets | $32,395,000 | 5,631 |
| Average earning assets | $29,032,500 | 5,624 |
| Average equity | $4,054,000 | 5,576 |
| Average total loans | $21,840,000 | 5,412 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3912% | 75 |
| Cost of funding earning assets | 0.1605% | 5,352 |
| Net interest margin | 6.2307% | 58 |
| Noninterest income to average assets | 1.5514% | 502 |
| Noninterest expense to average assets | 4.3250% | 441 |
| Loan and lease loss provision to assets | 0.3761% | 437 |
| Net operating income to assets | 1.5733% | 722 |
| Return on assets (ROA) | 1.5733% | 753 |
| Pretax return on assets | 2.4477% | 217 |
| Return on Equity (ROE) | 13.0709% | 977 |
| Retained earnings to average equity (ytd only) | 8.8267% | 620 |
| Net charge-offs to loans | 0.0709% | 2,683 |
| Credit loss provision to net charge-offs | 800.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 60.0667% | 887 |
| Efficiency ratio | 60.4998% | 4,504 |
| Assets per employee ($millions) | 2.4438% | 5,683 |
| Cash dividends to net income (ytd only)* | 32.4701% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6700% | 262 |
| Loan loss allowance to noncurrent loans | 322.5275% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 3,016 |
| Noncurrent loans to loans | 0.8278% | 2,455 |
| Net loans and leases to total assets | 67.3528% | 2,879 |
| Net loans and leases to deposits | 78.4844% | 3,049 |
| Net loans and leases to core deposits | 79.5583% | 3,434 |
| Total domestic deposits to total assets | 85.8168% | 2,672 |
| Equity capital to assets | 12.6472% | 1,430 |
| Core capital (leverage) ratio | 12.3954% | 1,384 |
| Tier 1 risk-based capital ratio | 15.9738% | 2,556 |
| Total risk-based capital ratio | 17.2348% | 2,488 |
| Memoranda: | ||
| Average total assets | $31,907,600 | 5,689 |
| Average earning assets | $28,664,400 | 5,680 |
| Average equity | $3,840,600 | 5,660 |
| Average total loans | $21,141,800 | 5,484 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3398% | 82 |
| Cost of funding earning assets | 0.1625% | 5,398 |
| Net interest margin | 6.1774% | 58 |
| Noninterest income to average assets | 1.5194% | 529 |
| Noninterest expense to average assets | 4.3244% | 435 |
| Loan and lease loss provision to assets | 0.3757% | 405 |
| Net operating income to assets | 1.5277% | 830 |
| Return on assets (ROA) | 1.5277% | 877 |
| Pretax return on assets | 2.3751% | 266 |
| Return on Equity (ROE) | 12.8545% | 1,095 |
| Retained earnings to average equity (ytd only) | 8.5698% | 953 |
| Net charge-offs to loans | 0.0828% | 2,142 |
| Credit loss provision to net charge-offs | 692.3077% | 570 |
| Earnings coverage of net charge-offs (x) | 50.7005% | 1,059 |
| Efficiency ratio | 61.1209% | 4,370 |
| Assets per employee ($millions) | 2.3966% | 5,770 |
| Cash dividends to net income (ytd only)* | 33.3327% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6023% | 292 |
| Loan loss allowance to noncurrent loans | 232.9167% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.7703% | 2,622 |
| Noncurrent loans to loans | 1.1173% | 2,017 |
| Net loans and leases to total assets | 67.1524% | 2,930 |
| Net loans and leases to deposits | 78.2365% | 3,162 |
| Net loans and leases to core deposits | 79.3251% | 3,518 |
| Total domestic deposits to total assets | 85.8326% | 2,436 |
| Equity capital to assets | 12.5947% | 1,716 |
| Core capital (leverage) ratio | 12.1217% | 1,589 |
| Tier 1 risk-based capital ratio | 15.9092% | 2,665 |
| Total risk-based capital ratio | 17.1710% | 2,601 |
| Memoranda: | ||
| Average total assets | $31,942,000 | 5,749 |
| Average earning assets | $28,727,750 | 5,741 |
| Average equity | $3,796,250 | 5,729 |
| Average total loans | $20,931,000 | 5,542 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2385% | 96 |
| Cost of funding earning assets | 0.1658% | 5,450 |
| Net interest margin | 6.0727% | 67 |
| Noninterest income to average assets | 1.4594% | 546 |
| Noninterest expense to average assets | 4.3411% | 433 |
| Loan and lease loss provision to assets | 0.3726% | 417 |
| Net operating income to assets | 1.4222% | 1,026 |
| Return on assets (ROA) | 1.4222% | 1,067 |
| Pretax return on assets | 2.2047% | 378 |
| Return on Equity (ROE) | 12.2014% | 1,244 |
| Retained earnings to average equity (ytd only) | 7.8856% | 1,207 |
| Net charge-offs to loans | 0.0193% | 3,111 |
| Credit loss provision to net charge-offs | 3,000.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 207.5000% | 316 |
| Efficiency ratio | 62.7469% | 4,222 |
| Assets per employee ($millions) | 2.3072% | 5,858 |
| Cash dividends to net income (ytd only)* | 35.3712% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5822% | 326 |
| Loan loss allowance to noncurrent loans | 729.7297% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 4,576 |
| Noncurrent loans to loans | 0.3539% | 4,104 |
| Net loans and leases to total assets | 63.0693% | 3,492 |
| Net loans and leases to deposits | 72.5809% | 3,739 |
| Net loans and leases to core deposits | 73.5425% | 4,025 |
| Total domestic deposits to total assets | 86.8951% | 1,965 |
| Equity capital to assets | 11.8479% | 2,234 |
| Core capital (leverage) ratio | 11.4823% | 2,005 |
| Tier 1 risk-based capital ratio | 15.8661% | 2,706 |
| Total risk-based capital ratio | 17.1274% | 2,638 |
| Memoranda: | ||
| Average total assets | $32,204,000 | 5,816 |
| Average earning assets | $28,949,330 | 5,808 |
| Average equity | $3,753,670 | 5,800 |
| Average total loans | $20,747,670 | 5,609 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1574% | 105 |
| Cost of funding earning assets | 0.1660% | 5,498 |
| Net interest margin | 5.9913% | 68 |
| Noninterest income to average assets | 1.4679% | 521 |
| Noninterest expense to average assets | 4.3538% | 435 |
| Loan and lease loss provision to assets | 0.3732% | 386 |
| Net operating income to assets | 1.3684% | 1,098 |
| Return on assets (ROA) | 1.3684% | 1,163 |
| Pretax return on assets | 2.1272% | 436 |
| Return on Equity (ROE) | 11.8375% | 1,360 |
| Retained earnings to average equity (ytd only) | 8.1786% | 1,385 |
| Net charge-offs to loans | -0.1548% | 5,780 |
| Credit loss provision to net charge-offs | -375.0000% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5209% | 4,211 |
| Assets per employee ($millions) | 2.1247% | 5,966 |
| Cash dividends to net income (ytd only)* | 30.9091% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5210% | 381 |
| Loan loss allowance to noncurrent loans | 337.0130% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 3,667 |
| Noncurrent loans to loans | 0.7480% | 2,966 |
| Net loans and leases to total assets | 62.9683% | 3,391 |
| Net loans and leases to deposits | 72.3067% | 3,622 |
| Net loans and leases to core deposits | 73.2756% | 3,959 |
| Total domestic deposits to total assets | 87.0850% | 2,169 |
| Equity capital to assets | 11.7822% | 2,173 |
| Core capital (leverage) ratio | 11.2593% | 2,179 |
| Tier 1 risk-based capital ratio | 16.0603% | 2,656 |
| Total risk-based capital ratio | 17.3227% | 2,601 |
| Memoranda: | ||
| Average total assets | $32,155,500 | 5,876 |
| Average earning assets | $28,908,500 | 5,865 |
| Average equity | $3,717,000 | 5,854 |
| Average total loans | $20,665,500 | 5,658 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9716% | 138 |
| Cost of funding earning assets | 0.1614% | 5,596 |
| Net interest margin | 5.8102% | 81 |
| Noninterest income to average assets | 1.5177% | 544 |
| Noninterest expense to average assets | 4.0339% | 641 |
| Loan and lease loss provision to assets | 0.3451% | 434 |
| Net operating income to assets | 1.4810% | 893 |
| Return on assets (ROA) | 1.4810% | 923 |
| Pretax return on assets | 2.3055% | 289 |
| Return on Equity (ROE) | 13.8255% | 880 |
| Retained earnings to average equity (ytd only) | 9.2075% | 606 |
| Net charge-offs to loans | 0.3104% | 968 |
| Credit loss provision to net charge-offs | 179.3651% | 1,514 |
| Earnings coverage of net charge-offs (x) | 13.7778% | 2,349 |
| Efficiency ratio | 60.3472% | 4,864 |
| Assets per employee ($millions) | 2.4955% | 5,892 |
| Cash dividends to net income (ytd only)* | 33.4021% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3236% | 499 |
| Loan loss allowance to noncurrent loans | 334.7222% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 3,837 |
| Noncurrent loans to loans | 0.6942% | 3,113 |
| Net loans and leases to total assets | 62.4580% | 3,495 |
| Net loans and leases to deposits | 71.7188% | 3,747 |
| Net loans and leases to core deposits | 72.6601% | 4,075 |
| Total domestic deposits to total assets | 87.0873% | 2,082 |
| Equity capital to assets | 11.3406% | 2,506 |
| Core capital (leverage) ratio | 11.3422% | 2,092 |
| Tier 1 risk-based capital ratio | 15.5500% | 2,906 |
| Total risk-based capital ratio | 16.8068% | 2,834 |
| Memoranda: | ||
| Average total assets | $32,747,600 | 5,915 |
| Average earning assets | $29,121,000 | 5,919 |
| Average equity | $3,508,000 | 5,926 |
| Average total loans | $20,297,000 | 5,710 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9358% | 143 |
| Cost of funding earning assets | 0.1603% | 5,704 |
| Net interest margin | 5.7754% | 86 |
| Noninterest income to average assets | 1.5232% | 537 |
| Noninterest expense to average assets | 4.0741% | 613 |
| Loan and lease loss provision to assets | 0.3371% | 401 |
| Net operating income to assets | 1.4338% | 1,039 |
| Return on assets (ROA) | 1.4338% | 1,087 |
| Pretax return on assets | 2.2340% | 379 |
| Return on Equity (ROE) | 13.5820% | 985 |
| Retained earnings to average equity (ytd only) | 8.9266% | 932 |
| Net charge-offs to loans | 0.4293% | 590 |
| Credit loss provision to net charge-offs | 127.6923% | 1,901 |
| Earnings coverage of net charge-offs (x) | 9.7390% | 2,670 |
| Efficiency ratio | 61.3081% | 4,677 |
| Assets per employee ($millions) | 2.4423% | 5,983 |
| Cash dividends to net income (ytd only)* | 34.2781% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1554% | 711 |
| Loan loss allowance to noncurrent loans | 284.8101% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 3,834 |
| Noncurrent loans to loans | 0.7568% | 3,069 |
| Net loans and leases to total assets | 64.3402% | 3,251 |
| Net loans and leases to deposits | 74.6010% | 3,467 |
| Net loans and leases to core deposits | 75.6117% | 3,838 |
| Total domestic deposits to total assets | 86.2457% | 2,415 |
| Equity capital to assets | 11.3008% | 2,696 |
| Core capital (leverage) ratio | 10.8142% | 2,698 |
| Tier 1 risk-based capital ratio | 15.1111% | 3,240 |
| Total risk-based capital ratio | 16.3685% | 3,171 |
| Memoranda: | ||
| Average total assets | $32,824,250 | 5,996 |
| Average earning assets | $29,111,000 | 5,995 |
| Average equity | $3,465,250 | 6,009 |
| Average total loans | $20,185,250 | 5,782 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8004% | 163 |
| Cost of funding earning assets | 0.1636% | 5,750 |
| Net interest margin | 5.6368% | 104 |
| Noninterest income to average assets | 1.4646% | 593 |
| Noninterest expense to average assets | 4.0142% | 666 |
| Loan and lease loss provision to assets | 0.3134% | 464 |
| Net operating income to assets | 1.3622% | 1,159 |
| Return on assets (ROA) | 1.3622% | 1,204 |
| Pretax return on assets | 2.1216% | 478 |
| Return on Equity (ROE) | 13.1997% | 1,077 |
| Retained earnings to average equity (ytd only) | 8.4688% | 1,089 |
| Net charge-offs to loans | 0.6615% | 348 |
| Credit loss provision to net charge-offs | 78.7879% | 2,348 |
| Earnings coverage of net charge-offs (x) | 6.1212% | 2,822 |
| Efficiency ratio | 62.2430% | 4,644 |
| Assets per employee ($millions) | 2.5496% | 6,002 |
| Cash dividends to net income (ytd only)* | 35.8407% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0549% | 906 |
| Loan loss allowance to noncurrent loans | 319.0840% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 4,322 |
| Noncurrent loans to loans | 0.6440% | 3,550 |
| Net loans and leases to total assets | 60.1116% | 3,822 |
| Net loans and leases to deposits | 68.7817% | 4,052 |
| Net loans and leases to core deposits | 69.6595% | 4,351 |
| Total domestic deposits to total assets | 87.3948% | 1,968 |
| Equity capital to assets | 10.5627% | 3,376 |
| Core capital (leverage) ratio | 10.0655% | 3,507 |
| Tier 1 risk-based capital ratio | 14.4884% | 3,645 |
| Total risk-based capital ratio | 15.7461% | 3,565 |
| Memoranda: | ||
| Average total assets | $33,182,330 | 6,058 |
| Average earning assets | $29,343,000 | 6,054 |
| Average equity | $3,424,330 | 6,075 |
| Average total loans | $19,954,330 | 5,850 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5764% | 232 |
| Cost of funding earning assets | 0.1616% | 5,832 |
| Net interest margin | 5.4148% | 133 |
| Noninterest income to average assets | 1.3494% | 633 |
| Noninterest expense to average assets | 3.9999% | 695 |
| Loan and lease loss provision to assets | 0.3132% | 442 |
| Net operating income to assets | 1.2048% | 1,534 |
| Return on assets (ROA) | 1.2048% | 1,626 |
| Pretax return on assets | 1.8795% | 744 |
| Return on Equity (ROE) | 11.8133% | 1,395 |
| Retained earnings to average equity (ytd only) | 7.0880% | 1,975 |
| Net charge-offs to loans | 0.4251% | 578 |
| Credit loss provision to net charge-offs | 123.8095% | 1,418 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,070 |
| Efficiency ratio | 64.5914% | 4,383 |
| Assets per employee ($millions) | 2.6061% | 6,042 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2062% | 800 |
| Loan loss allowance to noncurrent loans | 373.5043% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 4,621 |
| Noncurrent loans to loans | 0.5907% | 3,807 |
| Net loans and leases to total assets | 57.1770% | 4,065 |
| Net loans and leases to deposits | 64.7860% | 4,289 |
| Net loans and leases to core deposits | 65.5866% | 4,561 |
| Total domestic deposits to total assets | 88.2553% | 1,684 |
| Equity capital to assets | 10.0829% | 4,045 |
| Core capital (leverage) ratio | 10.0709% | 3,509 |
| Tier 1 risk-based capital ratio | 51.7107% | 142 |
| Total risk-based capital ratio | 53.0171% | 141 |
| Memoranda: | ||
| Average total assets | $33,201,000 | 6,118 |
| Average earning assets | $29,696,500 | 6,112 |
| Average equity | $3,386,000 | 6,141 |
| Average total loans | $19,760,500 | 5,907 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6788% | 236 |
| Cost of funding earning assets | 0.1741% | 5,950 |
| Net interest margin | 5.5047% | 132 |
| Noninterest income to average assets | 1.9874% | 346 |
| Noninterest expense to average assets | 4.1719% | 619 |
| Loan and lease loss provision to assets | 0.2862% | 730 |
| Net operating income to assets | 1.5136% | 854 |
| Return on assets (ROA) | 1.5136% | 888 |
| Pretax return on assets | 2.3562% | 249 |
| Return on Equity (ROE) | 14.9216% | 792 |
| Retained earnings to average equity (ytd only) | 9.8746% | 540 |
| Net charge-offs to loans | 0.0858% | 3,268 |
| Credit loss provision to net charge-offs | 600.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 55.4000% | 848 |
| Efficiency ratio | 61.2226% | 5,038 |
| Assets per employee ($millions) | 2.5018% | 6,159 |
| Cash dividends to net income (ytd only)* | 33.8235% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1914% | 833 |
| Loan loss allowance to noncurrent loans | 340.1575% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 4,520 |
| Noncurrent loans to loans | 0.6442% | 3,753 |
| Net loans and leases to total assets | 59.2842% | 3,879 |
| Net loans and leases to deposits | 67.2140% | 4,200 |
| Net loans and leases to core deposits | 69.3038% | 4,381 |
| Total domestic deposits to total assets | 88.2022% | 1,660 |
| Equity capital to assets | 10.3189% | 3,699 |
| Core capital (leverage) ratio | 10.3290% | 3,130 |
| Tier 1 risk-based capital ratio | 13.9661% | 4,114 |
| Total risk-based capital ratio | 15.2237% | 4,036 |
| Memoranda: | ||
| Average total assets | $31,448,600 | 6,224 |
| Average earning assets | $27,576,400 | 6,228 |
| Average equity | $3,190,000 | 6,231 |
| Average total loans | $17,491,800 | 6,066 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6228% | 265 |
| Cost of funding earning assets | 0.1763% | 6,022 |
| Net interest margin | 5.4464% | 150 |
| Noninterest income to average assets | 2.0312% | 336 |
| Noninterest expense to average assets | 4.2547% | 582 |
| Loan and lease loss provision to assets | 0.2908% | 684 |
| Net operating income to assets | 1.4411% | 1,046 |
| Return on assets (ROA) | 1.4411% | 1,088 |
| Pretax return on assets | 2.2407% | 340 |
| Return on Equity (ROE) | 14.2709% | 937 |
| Retained earnings to average equity (ytd only) | 9.1469% | 940 |
| Net charge-offs to loans | 0.2204% | 1,719 |
| Credit loss provision to net charge-offs | 242.8571% | 1,081 |
| Earnings coverage of net charge-offs (x) | 21.1441% | 1,693 |
| Efficiency ratio | 62.6969% | 4,782 |
| Assets per employee ($millions) | 2.2339% | 6,370 |
| Cash dividends to net income (ytd only)* | 35.9054% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1900% | 960 |
| Loan loss allowance to noncurrent loans | 381.7308% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 4,938 |
| Noncurrent loans to loans | 0.5737% | 4,197 |
| Net loans and leases to total assets | 56.6957% | 4,240 |
| Net loans and leases to deposits | 64.7140% | 4,458 |
| Net loans and leases to core deposits | 66.2000% | 4,685 |
| Total domestic deposits to total assets | 87.6095% | 1,972 |
| Equity capital to assets | 10.4144% | 3,664 |
| Core capital (leverage) ratio | 10.0291% | 3,639 |
| Tier 1 risk-based capital ratio | 14.7543% | 3,728 |
| Total risk-based capital ratio | 16.0121% | 3,666 |
| Memoranda: | ||
| Average total assets | $31,180,000 | 6,306 |
| Average earning assets | $27,222,000 | 6,309 |
| Average equity | $3,148,500 | 6,310 |
| Average total loans | $16,936,500 | 6,154 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4666% | 326 |
| Cost of funding earning assets | 0.1847% | 6,037 |
| Net interest margin | 5.2819% | 173 |
| Noninterest income to average assets | 2.0161% | 339 |
| Noninterest expense to average assets | 4.2891% | 555 |
| Loan and lease loss provision to assets | 0.2889% | 689 |
| Net operating income to assets | 1.3098% | 1,279 |
| Return on assets (ROA) | 1.3098% | 1,331 |
| Pretax return on assets | 2.0290% | 527 |
| Return on Equity (ROE) | 13.1091% | 1,148 |
| Retained earnings to average equity (ytd only) | 7.9683% | 1,340 |
| Net charge-offs to loans | 0.1814% | 1,948 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 24.0667% | 1,441 |
| Efficiency ratio | 64.9174% | 4,551 |
| Assets per employee ($millions) | 2.4206% | 6,340 |
| Cash dividends to net income (ytd only)* | 39.2157% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2474% | 959 |
| Loan loss allowance to noncurrent loans | 222.4138% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 4,334 |
| Noncurrent loans to loans | 1.0105% | 3,215 |
| Net loans and leases to total assets | 53.4924% | 4,597 |
| Net loans and leases to deposits | 60.5896% | 4,816 |
| Net loans and leases to core deposits | 61.9589% | 4,970 |
| Total domestic deposits to total assets | 88.2865% | 1,745 |
| Equity capital to assets | 10.0578% | 4,024 |
| Core capital (leverage) ratio | 9.4761% | 4,363 |
| Tier 1 risk-based capital ratio | 14.4713% | 3,946 |
| Total risk-based capital ratio | 15.7278% | 3,885 |
| Memoranda: | ||
| Average total assets | $31,148,670 | 6,366 |
| Average earning assets | $27,073,670 | 6,374 |
| Average equity | $3,112,330 | 6,369 |
| Average total loans | $16,539,330 | 6,219 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3341% | 391 |
| Cost of funding earning assets | 0.1793% | 6,172 |
| Net interest margin | 5.1548% | 201 |
| Noninterest income to average assets | 1.9749% | 342 |
| Noninterest expense to average assets | 4.3499% | 527 |
| Loan and lease loss provision to assets | 0.2840% | 709 |
| Net operating income to assets | 1.1617% | 1,590 |
| Return on assets (ROA) | 1.1617% | 1,661 |
| Pretax return on assets | 1.7942% | 806 |
| Return on Equity (ROE) | 11.6656% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.6656% | 657 |
| Net charge-offs to loans | 0.7161% | 493 |
| Credit loss provision to net charge-offs | 75.8621% | 1,949 |
| Earnings coverage of net charge-offs (x) | 5.5517% | 2,359 |
| Efficiency ratio | 67.6707% | 4,233 |
| Assets per employee ($millions) | 2.4615% | 6,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1087% | 1,308 |
| Loan loss allowance to noncurrent loans | 573.7705% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 5,649 |
| Noncurrent loans to loans | 0.3675% | 5,021 |
| Net loans and leases to total assets | 50.7766% | 4,818 |
| Net loans and leases to deposits | 57.1127% | 5,024 |
| Net loans and leases to core deposits | 58.3726% | 5,175 |
| Total domestic deposits to total assets | 88.9059% | 1,721 |
| Equity capital to assets | 9.7847% | 4,126 |
| Core capital (leverage) ratio | 9.7687% | 3,906 |
| Tier 1 risk-based capital ratio | 15.7475% | 3,301 |
| Total risk-based capital ratio | 17.0059% | 3,263 |
| Memoranda: | ||
| Average total assets | $30,989,000 | 6,436 |
| Average earning assets | $26,771,000 | 6,448 |
| Average equity | $3,086,000 | 6,428 |
| Average total loans | $16,199,000 | 6,298 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3257% | 505 |
| Cost of funding earning assets | 0.2099% | 6,233 |
| Net interest margin | 5.1158% | 247 |
| Noninterest income to average assets | 2.0756% | 371 |
| Noninterest expense to average assets | 4.3543% | 597 |
| Loan and lease loss provision to assets | 0.2032% | 1,830 |
| Net operating income to assets | 1.2866% | 1,283 |
| Return on assets (ROA) | 1.2866% | 1,336 |
| Pretax return on assets | 1.9740% | 516 |
| Return on Equity (ROE) | 12.0094% | 1,416 |
| Retained earnings to average equity (ytd only) | -0.4741% | 5,968 |
| Net charge-offs to loans | 0.3242% | 2,062 |
| Credit loss provision to net charge-offs | 125.0000% | 1,900 |
| Earnings coverage of net charge-offs (x) | 13.3958% | 2,028 |
| Efficiency ratio | 66.6667% | 4,435 |
| Assets per employee ($millions) | 2.3061% | 6,519 |
| Cash dividends to net income (ytd only)* | 103.9474% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2595% | 1,096 |
| Loan loss allowance to noncurrent loans | 673.5849% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 5,785 |
| Noncurrent loans to loans | 0.3354% | 5,179 |
| Net loans and leases to total assets | 51.5127% | 4,920 |
| Net loans and leases to deposits | 58.0433% | 5,120 |
| Net loans and leases to core deposits | 58.8462% | 5,318 |
| Total domestic deposits to total assets | 88.7488% | 1,778 |
| Equity capital to assets | 10.1438% | 3,576 |
| Core capital (leverage) ratio | 10.0470% | 3,498 |
| Tier 1 risk-based capital ratio | 14.9708% | 3,688 |
| Total risk-based capital ratio | 16.2294% | 3,622 |
| Memoranda: | ||
| Average total assets | $29,534,200 | 6,522 |
| Average earning assets | $25,724,400 | 6,535 |
| Average equity | $3,164,200 | 6,504 |
| Average total loans | $14,806,000 | 6,428 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2542% | 580 |
| Cost of funding earning assets | 0.2179% | 6,304 |
| Net interest margin | 5.0364% | 297 |
| Noninterest income to average assets | 2.0754% | 399 |
| Noninterest expense to average assets | 4.3819% | 589 |
| Loan and lease loss provision to assets | 0.1722% | 2,111 |
| Net operating income to assets | 1.2552% | 1,470 |
| Return on assets (ROA) | 1.2552% | 1,539 |
| Pretax return on assets | 1.9214% | 684 |
| Return on Equity (ROE) | 11.5593% | 1,640 |
| Retained earnings to average equity (ytd only) | 11.5593% | 496 |
| Net charge-offs to loans | 0.4580% | 1,399 |
| Credit loss provision to net charge-offs | 76.0000% | 2,947 |
| Earnings coverage of net charge-offs (x) | 9.2392% | 2,508 |
| Efficiency ratio | 67.6697% | 4,157 |
| Assets per employee ($millions) | 2.2460% | 6,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1840% | 1,352 |
| Loan loss allowance to noncurrent loans | 605.4545% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 5,878 |
| Noncurrent loans to loans | 0.3607% | 5,309 |
| Net loans and leases to total assets | 51.0788% | 4,998 |
| Net loans and leases to deposits | 58.4290% | 5,146 |
| Net loans and leases to core deposits | 59.2719% | 5,352 |
| Total domestic deposits to total assets | 87.4204% | 2,453 |
| Equity capital to assets | 11.4117% | 2,368 |
| Core capital (leverage) ratio | 10.9823% | 2,505 |
| Tier 1 risk-based capital ratio | 17.0858% | 2,671 |
| Total risk-based capital ratio | 18.3405% | 2,634 |
| Memoranda: | ||
| Average total assets | $29,423,000 | 6,603 |
| Average earning assets | $25,705,500 | 6,613 |
| Average equity | $3,195,000 | 6,571 |
| Average total loans | $14,557,500 | 6,502 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1715% | 668 |
| Cost of funding earning assets | 0.2248% | 6,344 |
| Net interest margin | 4.9466% | 337 |
| Noninterest income to average assets | 2.0815% | 419 |
| Noninterest expense to average assets | 4.3122% | 620 |
| Loan and lease loss provision to assets | 0.1017% | 3,096 |
| Net operating income to assets | 1.3018% | 1,317 |
| Return on assets (ROA) | 1.3018% | 1,403 |
| Pretax return on assets | 1.9934% | 615 |
| Return on Equity (ROE) | 12.1931% | 1,431 |
| Retained earnings to average equity (ytd only) | 12.1931% | 461 |
| Net charge-offs to loans | 0.6142% | 1,079 |
| Credit loss provision to net charge-offs | 34.0909% | 3,515 |
| Earnings coverage of net charge-offs (x) | 7.0227% | 2,612 |
| Efficiency ratio | 67.3016% | 4,313 |
| Assets per employee ($millions) | 2.2813% | 6,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2213% | 1,381 |
| Loan loss allowance to noncurrent loans | 544.8276% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 5,685 |
| Noncurrent loans to loans | 0.4077% | 5,242 |
| Net loans and leases to total assets | 46.9029% | 5,435 |
| Net loans and leases to deposits | 53.2359% | 5,585 |
| Net loans and leases to core deposits | 53.9859% | 5,757 |
| Total domestic deposits to total assets | 88.1040% | 2,170 |
| Equity capital to assets | 10.9485% | 2,800 |
| Core capital (leverage) ratio | 10.3594% | 3,033 |
| Tier 1 risk-based capital ratio | 16.7667% | 2,804 |
| Total risk-based capital ratio | 18.0205% | 2,779 |
| Memoranda: | ||
| Average total assets | $29,498,000 | 6,654 |
| Average earning assets | $25,795,330 | 6,662 |
| Average equity | $3,149,330 | 6,627 |
| Average total loans | $14,327,670 | 6,552 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2308% | 575 |
| Cost of funding earning assets | 0.2186% | 6,485 |
| Net interest margin | 5.0122% | 292 |
| Noninterest income to average assets | 2.0939% | 408 |
| Noninterest expense to average assets | 4.4598% | 553 |
| Loan and lease loss provision to assets | 0.1088% | 2,883 |
| Net operating income to assets | 1.2373% | 1,418 |
| Return on assets (ROA) | 1.2373% | 1,526 |
| Pretax return on assets | 1.8900% | 749 |
| Return on Equity (ROE) | 11.7400% | 1,486 |
| Retained earnings to average equity (ytd only) | 11.7400% | 736 |
| Net charge-offs to loans | 0.5842% | 1,040 |
| Credit loss provision to net charge-offs | 38.0952% | 2,776 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,134 |
| Efficiency ratio | 69.0526% | 4,137 |
| Assets per employee ($millions) | 2.5448% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3593% | 1,318 |
| Loan loss allowance to noncurrent loans | 6,640.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 5,907 |
| Noncurrent loans to loans | 0.0355% | 6,385 |
| Net loans and leases to total assets | 44.9946% | 5,548 |
| Net loans and leases to deposits | 51.0591% | 5,705 |
| Net loans and leases to core deposits | 51.7553% | 5,839 |
| Total domestic deposits to total assets | 88.1226% | 2,243 |
| Equity capital to assets | 10.3023% | 3,792 |
| Core capital (leverage) ratio | 10.3432% | 2,979 |
| Tier 1 risk-based capital ratio | 17.9122% | 2,404 |
| Total risk-based capital ratio | 19.1724% | 2,360 |
| Memoranda: | ||
| Average total assets | $29,418,500 | 6,724 |
| Average earning assets | $25,617,500 | 6,728 |
| Average equity | $3,100,500 | 6,699 |
| Average total loans | $14,378,500 | 6,611 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8267% | 349 |
| Cost of funding earning assets | 0.3526% | 6,191 |
| Net interest margin | 5.4741% | 177 |
| Noninterest income to average assets | 2.2469% | 370 |
| Noninterest expense to average assets | 4.5998% | 518 |
| Loan and lease loss provision to assets | 0.1098% | 4,257 |
| Net operating income to assets | 1.4967% | 923 |
| Return on assets (ROA) | 1.4967% | 1,012 |
| Pretax return on assets | 2.3091% | 334 |
| Return on Equity (ROE) | 13.7276% | 1,049 |
| Retained earnings to average equity (ytd only) | 8.0217% | 1,117 |
| Net charge-offs to loans | 0.4586% | 2,403 |
| Credit loss provision to net charge-offs | 44.1176% | 4,838 |
| Earnings coverage of net charge-offs (x) | 9.7206% | 2,232 |
| Efficiency ratio | 65.5370% | 4,595 |
| Assets per employee ($millions) | 2.1769% | 6,847 |
| Cash dividends to net income (ytd only)* | 41.5648% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3493% | 1,309 |
| Loan loss allowance to noncurrent loans | 1,189.6552% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 5,938 |
| Noncurrent loans to loans | 0.1975% | 5,974 |
| Net loans and leases to total assets | 50.6714% | 5,080 |
| Net loans and leases to deposits | 57.8319% | 5,256 |
| Net loans and leases to core deposits | 58.6887% | 5,482 |
| Total domestic deposits to total assets | 87.6184% | 2,470 |
| Equity capital to assets | 10.7951% | 3,182 |
| Core capital (leverage) ratio | 10.5415% | 2,718 |
| Tier 1 risk-based capital ratio | 15.7094% | 3,309 |
| Total risk-based capital ratio | 16.9651% | 3,269 |
| Memoranda: | ||
| Average total assets | $27,327,000 | 6,814 |
| Average earning assets | $23,821,400 | 6,818 |
| Average equity | $2,979,400 | 6,787 |
| Average total loans | $14,829,200 | 6,667 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8840% | 344 |
| Cost of funding earning assets | 0.3720% | 6,262 |
| Net interest margin | 5.5120% | 171 |
| Noninterest income to average assets | 2.2251% | 362 |
| Noninterest expense to average assets | 4.6718% | 472 |
| Loan and lease loss provision to assets | 0.1132% | 4,147 |
| Net operating income to assets | 1.4621% | 1,095 |
| Return on assets (ROA) | 1.4621% | 1,218 |
| Pretax return on assets | 2.2547% | 437 |
| Return on Equity (ROE) | 13.3758% | 1,249 |
| Retained earnings to average equity (ytd only) | 13.3758% | 360 |
| Net charge-offs to loans | 0.5113% | 2,075 |
| Credit loss provision to net charge-offs | 40.3509% | 4,611 |
| Earnings coverage of net charge-offs (x) | 8.4384% | 2,442 |
| Efficiency ratio | 66.3636% | 4,381 |
| Assets per employee ($millions) | 2.0343% | 6,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3513% | 1,431 |
| Loan loss allowance to noncurrent loans | 405.8140% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 5,878 |
| Noncurrent loans to loans | 0.5794% | 5,280 |
| Net loans and leases to total assets | 54.8060% | 4,621 |
| Net loans and leases to deposits | 63.3811% | 4,791 |
| Net loans and leases to core deposits | 64.3977% | 5,109 |
| Total domestic deposits to total assets | 86.4705% | 3,002 |
| Equity capital to assets | 11.7749% | 2,458 |
| Core capital (leverage) ratio | 11.1620% | 2,245 |
| Tier 1 risk-based capital ratio | 17.9375% | 2,375 |
| Total risk-based capital ratio | 19.1954% | 2,345 |
| Memoranda: | ||
| Average total assets | $27,083,750 | 6,910 |
| Average earning assets | $23,656,750 | 6,911 |
| Average equity | $2,960,500 | 6,882 |
| Average total loans | $14,865,250 | 6,752 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7491% | 436 |
| Cost of funding earning assets | 0.3844% | 6,357 |
| Net interest margin | 5.3648% | 224 |
| Noninterest income to average assets | 2.1688% | 356 |
| Noninterest expense to average assets | 4.6233% | 493 |
| Loan and lease loss provision to assets | 0.1099% | 4,151 |
| Net operating income to assets | 1.3921% | 1,206 |
| Return on assets (ROA) | 1.3921% | 1,350 |
| Pretax return on assets | 2.1395% | 535 |
| Return on Equity (ROE) | 13.0614% | 1,350 |
| Retained earnings to average equity (ytd only) | 13.0614% | 433 |
| Net charge-offs to loans | 0.2555% | 3,047 |
| Credit loss provision to net charge-offs | 78.9474% | 3,346 |
| Earnings coverage of net charge-offs (x) | 16.1579% | 1,606 |
| Efficiency ratio | 67.2708% | 4,277 |
| Assets per employee ($millions) | 2.1104% | 7,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5482% | 1,220 |
| Loan loss allowance to noncurrent loans | 315.8333% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 5,683 |
| Noncurrent loans to loans | 0.8068% | 4,894 |
| Net loans and leases to total assets | 52.8303% | 4,984 |
| Net loans and leases to deposits | 61.0531% | 5,123 |
| Net loans and leases to core deposits | 61.9958% | 5,387 |
| Total domestic deposits to total assets | 86.5318% | 3,050 |
| Equity capital to assets | 10.9568% | 3,164 |
| Core capital (leverage) ratio | 10.4249% | 2,895 |
| Tier 1 risk-based capital ratio | 16.3599% | 2,976 |
| Total risk-based capital ratio | 17.6226% | 2,943 |
| Memoranda: | ||
| Average total assets | $27,296,330 | 6,964 |
| Average earning assets | $23,934,000 | 6,963 |
| Average equity | $2,909,330 | 6,931 |
| Average total loans | $14,872,670 | 6,806 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7250% | 493 |
| Cost of funding earning assets | 0.3850% | 6,485 |
| Net interest margin | 5.3400% | 234 |
| Noninterest income to average assets | 2.0568% | 393 |
| Noninterest expense to average assets | 4.6278% | 491 |
| Loan and lease loss provision to assets | 0.1028% | 4,051 |
| Net operating income to assets | 1.3075% | 1,440 |
| Return on assets (ROA) | 1.3075% | 1,610 |
| Pretax return on assets | 2.0127% | 720 |
| Return on Equity (ROE) | 12.4432% | 1,543 |
| Retained earnings to average equity (ytd only) | 12.4432% | 760 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6275% | 4,047 |
| Assets per employee ($millions) | 2.1812% | 7,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6475% | 1,177 |
| Loan loss allowance to noncurrent loans | 348.2143% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 5,880 |
| Noncurrent loans to loans | 0.7603% | 5,139 |
| Net loans and leases to total assets | 50.5766% | 5,222 |
| Net loans and leases to deposits | 57.7288% | 5,412 |
| Net loans and leases to core deposits | 58.5777% | 5,666 |
| Total domestic deposits to total assets | 87.6107% | 2,583 |
| Equity capital to assets | 10.2486% | 3,793 |
| Core capital (leverage) ratio | 10.2692% | 3,037 |
| Tier 1 risk-based capital ratio | 16.0554% | 3,147 |
| Total risk-based capital ratio | 17.3159% | 3,108 |
| Memoranda: | ||
| Average total assets | $27,227,000 | 7,021 |
| Average earning assets | $23,895,000 | 7,024 |
| Average equity | $2,861,000 | 6,989 |
| Average total loans | $14,872,500 | 6,866 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3486% | 235 |
| Cost of funding earning assets | 0.4857% | 6,591 |
| Net interest margin | 5.8629% | 108 |
| Noninterest income to average assets | 2.8471% | 223 |
| Noninterest expense to average assets | 4.7829% | 465 |
| Loan and lease loss provision to assets | 0.7486% | 1,349 |
| Net operating income to assets | 1.5729% | 714 |
| Return on assets (ROA) | 1.5729% | 766 |
| Pretax return on assets | 2.4274% | 239 |
| Return on Equity (ROE) | 14.8434% | 780 |
| Retained earnings to average equity (ytd only) | 5.9231% | 2,060 |
| Net charge-offs to loans | 0.1545% | 4,903 |
| Credit loss provision to net charge-offs | 825.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 746 |
| Efficiency ratio | 60.0950% | 5,741 |
| Assets per employee ($millions) | 2.0076% | 7,160 |
| Cash dividends to net income (ytd only)* | 60.0962% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5510% | 1,247 |
| Loan loss allowance to noncurrent loans | 281.6176% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5211% | 5,661 |
| Noncurrent loans to loans | 0.9058% | 4,873 |
| Net loans and leases to total assets | 56.0596% | 4,687 |
| Net loans and leases to deposits | 64.0727% | 4,999 |
| Net loans and leases to core deposits | 65.0990% | 5,353 |
| Total domestic deposits to total assets | 87.4938% | 2,476 |
| Equity capital to assets | 10.7897% | 3,208 |
| Core capital (leverage) ratio | 10.3302% | 2,936 |
| Tier 1 risk-based capital ratio | 16.0078% | 3,046 |
| Total risk-based capital ratio | 17.2708% | 2,992 |
| Memoranda: | ||
| Average total assets | $26,448,400 | 7,063 |
| Average earning assets | $23,060,200 | 7,077 |
| Average equity | $2,802,600 | 7,054 |
| Average total loans | $15,537,400 | 6,880 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4167% | 217 |
| Cost of funding earning assets | 0.5025% | 6,683 |
| Net interest margin | 5.9142% | 103 |
| Noninterest income to average assets | 3.0197% | 217 |
| Noninterest expense to average assets | 4.8286% | 430 |
| Loan and lease loss provision to assets | 0.9195% | 964 |
| Net operating income to assets | 1.5677% | 821 |
| Return on assets (ROA) | 1.5677% | 895 |
| Pretax return on assets | 2.4168% | 287 |
| Return on Equity (ROE) | 14.8608% | 857 |
| Retained earnings to average equity (ytd only) | 14.8608% | 240 |
| Net charge-offs to loans | 0.1447% | 4,618 |
| Credit loss provision to net charge-offs | 1,076.4706% | 252 |
| Earnings coverage of net charge-offs (x) | 39.0521% | 782 |
| Efficiency ratio | 59.1385% | 5,844 |
| Assets per employee ($millions) | 2.0241% | 7,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4226% | 1,502 |
| Loan loss allowance to noncurrent loans | 412.0879% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 6,201 |
| Noncurrent loans to loans | 0.5879% | 5,698 |
| Net loans and leases to total assets | 57.4013% | 4,606 |
| Net loans and leases to deposits | 65.9477% | 4,913 |
| Net loans and leases to core deposits | 66.9979% | 5,306 |
| Total domestic deposits to total assets | 87.0406% | 2,629 |
| Equity capital to assets | 11.2530% | 2,909 |
| Core capital (leverage) ratio | 10.9263% | 2,452 |
| Tier 1 risk-based capital ratio | 16.3683% | 2,929 |
| Total risk-based capital ratio | 17.6283% | 2,889 |
| Memoranda: | ||
| Average total assets | $26,535,750 | 7,131 |
| Average earning assets | $23,085,000 | 7,147 |
| Average equity | $2,799,250 | 7,120 |
| Average total loans | $15,668,250 | 6,936 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3245% | 271 |
| Cost of funding earning assets | 0.5285% | 6,749 |
| Net interest margin | 5.7960% | 111 |
| Noninterest income to average assets | 3.2319% | 209 |
| Noninterest expense to average assets | 4.7726% | 450 |
| Loan and lease loss provision to assets | 1.1499% | 694 |
| Net operating income to assets | 1.5182% | 850 |
| Return on assets (ROA) | 1.5182% | 914 |
| Pretax return on assets | 2.3375% | 324 |
| Return on Equity (ROE) | 14.7159% | 851 |
| Retained earnings to average equity (ytd only) | 14.7159% | 264 |
| Net charge-offs to loans | 0.2288% | 3,752 |
| Credit loss provision to net charge-offs | 850.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 25.7778% | 1,034 |
| Efficiency ratio | 57.7798% | 6,192 |
| Assets per employee ($millions) | 2.0779% | 7,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2102% | 1,904 |
| Loan loss allowance to noncurrent loans | 464.8649% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 6,444 |
| Noncurrent loans to loans | 0.4755% | 5,955 |
| Net loans and leases to total assets | 56.3432% | 4,935 |
| Net loans and leases to deposits | 63.9469% | 5,279 |
| Net loans and leases to core deposits | 64.9234% | 5,615 |
| Total domestic deposits to total assets | 88.1094% | 2,069 |
| Equity capital to assets | 10.5579% | 3,435 |
| Core capital (leverage) ratio | 10.1043% | 3,141 |
| Tier 1 risk-based capital ratio | 15.4721% | 3,263 |
| Total risk-based capital ratio | 16.7330% | 3,201 |
| Memoranda: | ||
| Average total assets | $26,610,000 | 7,197 |
| Average earning assets | $23,085,000 | 7,212 |
| Average equity | $2,745,330 | 7,191 |
| Average total loans | $15,731,330 | 6,995 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1926% | 338 |
| Cost of funding earning assets | 0.5598% | 6,766 |
| Net interest margin | 5.6328% | 135 |
| Noninterest income to average assets | 2.1508% | 330 |
| Noninterest expense to average assets | 4.7106% | 475 |
| Loan and lease loss provision to assets | 0.3484% | 2,472 |
| Net operating income to assets | 1.3026% | 1,258 |
| Return on assets (ROA) | 1.3026% | 1,301 |
| Pretax return on assets | 1.9691% | 588 |
| Return on Equity (ROE) | 12.7786% | 1,254 |
| Retained earnings to average equity (ytd only) | 12.7786% | 623 |
| Net charge-offs to loans | -0.0253% | 6,648 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0259% | 4,847 |
| Assets per employee ($millions) | 2.0632% | 7,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 4,273 |
| Loan loss allowance to noncurrent loans | 70.6061% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.2303% | 4,496 |
| Noncurrent loans to loans | 2.1067% | 3,436 |
| Net loans and leases to total assets | 57.5311% | 4,717 |
| Net loans and leases to deposits | 64.7817% | 5,159 |
| Net loans and leases to core deposits | 65.7674% | 5,536 |
| Total domestic deposits to total assets | 88.8077% | 1,891 |
| Equity capital to assets | 10.1969% | 3,546 |
| Core capital (leverage) ratio | 9.9665% | 3,184 |
| Tier 1 risk-based capital ratio | 14.8596% | 3,500 |
| Total risk-based capital ratio | 16.1124% | 3,461 |
| Memoranda: | ||
| Average total assets | $26,408,500 | 7,251 |
| Average earning assets | $22,866,000 | 7,267 |
| Average equity | $2,692,000 | 7,243 |
| Average total loans | $15,815,000 | 7,045 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7590% | 214 |
| Cost of funding earning assets | 0.6230% | 7,076 |
| Net interest margin | 6.1360% | 88 |
| Noninterest income to average assets | 2.1559% | 351 |
| Noninterest expense to average assets | 4.7760% | 513 |
| Loan and lease loss provision to assets | 0.3453% | 4,068 |
| Net operating income to assets | 1.4769% | 806 |
| Return on assets (ROA) | 1.4769% | 864 |
| Pretax return on assets | 2.2864% | 257 |
| Return on Equity (ROE) | 14.0521% | 870 |
| Retained earnings to average equity (ytd only) | -4.1609% | 6,215 |
| Net charge-offs to loans | 0.4346% | 3,883 |
| Credit loss provision to net charge-offs | 132.3529% | 2,967 |
| Earnings coverage of net charge-offs (x) | 10.0882% | 1,753 |
| Efficiency ratio | 64.2672% | 5,300 |
| Assets per employee ($millions) | 1.9996% | 7,423 |
| Cash dividends to net income (ytd only)* | 129.6104% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 4,959 |
| Loan loss allowance to noncurrent loans | 64.5062% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.5311% | 4,021 |
| Noncurrent loans to loans | 2.0293% | 3,518 |
| Net loans and leases to total assets | 60.6155% | 4,562 |
| Net loans and leases to deposits | 68.6699% | 5,012 |
| Net loans and leases to core deposits | 69.7521% | 5,468 |
| Total domestic deposits to total assets | 88.2708% | 2,083 |
| Equity capital to assets | 10.1904% | 3,514 |
| Core capital (leverage) ratio | 9.9863% | 3,112 |
| Tier 1 risk-based capital ratio | 14.2436% | 3,720 |
| Total risk-based capital ratio | 15.4069% | 3,721 |
| Memoranda: | ||
| Average total assets | $26,067,600 | 7,318 |
| Average earning assets | $22,311,000 | 7,339 |
| Average equity | $2,739,800 | 7,345 |
| Average total loans | $15,646,800 | 7,133 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7116% | 237 |
| Cost of funding earning assets | 0.6520% | 7,176 |
| Net interest margin | 6.0596% | 86 |
| Noninterest income to average assets | 2.0189% | 369 |
| Noninterest expense to average assets | 4.7534% | 463 |
| Loan and lease loss provision to assets | 0.3475% | 3,831 |
| Net operating income to assets | 1.3596% | 1,191 |
| Return on assets (ROA) | 1.3596% | 1,275 |
| Pretax return on assets | 2.0956% | 510 |
| Return on Equity (ROE) | 12.8384% | 1,298 |
| Retained earnings to average equity (ytd only) | -11.2456% | 6,934 |
| Net charge-offs to loans | 0.5310% | 3,176 |
| Credit loss provision to net charge-offs | 109.6774% | 3,868 |
| Earnings coverage of net charge-offs (x) | 7.7101% | 2,280 |
| Efficiency ratio | 65.7670% | 4,911 |
| Assets per employee ($millions) | 1.8127% | 7,578 |
| Cash dividends to net income (ytd only)* | 187.5938% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 5,411 |
| Loan loss allowance to noncurrent loans | 59.5679% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.5683% | 4,090 |
| Noncurrent loans to loans | 2.0404% | 3,633 |
| Net loans and leases to total assets | 61.8094% | 4,571 |
| Net loans and leases to deposits | 69.8397% | 5,176 |
| Net loans and leases to core deposits | 70.9613% | 5,647 |
| Total domestic deposits to total assets | 88.5019% | 1,670 |
| Equity capital to assets | 9.9693% | 4,196 |
| Core capital (leverage) ratio | 9.3395% | 4,148 |
| Tier 1 risk-based capital ratio | 13.8943% | 3,917 |
| Total risk-based capital ratio | 14.9937% | 3,981 |
| Memoranda: | ||
| Average total assets | $26,085,750 | 7,408 |
| Average earning assets | $22,289,250 | 7,438 |
| Average equity | $2,762,500 | 7,433 |
| Average total loans | $15,567,000 | 7,231 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5759% | 299 |
| Cost of funding earning assets | 0.6772% | 7,240 |
| Net interest margin | 5.8987% | 108 |
| Noninterest income to average assets | 1.8616% | 390 |
| Noninterest expense to average assets | 4.6958% | 479 |
| Loan and lease loss provision to assets | 0.3419% | 3,684 |
| Net operating income to assets | 1.2081% | 1,536 |
| Return on assets (ROA) | 1.2081% | 1,609 |
| Pretax return on assets | 1.8540% | 810 |
| Return on Equity (ROE) | 11.1972% | 1,686 |
| Retained earnings to average equity (ytd only) | 11.1972% | 614 |
| Net charge-offs to loans | 0.7502% | 2,364 |
| Credit loss provision to net charge-offs | 77.5862% | 4,775 |
| Earnings coverage of net charge-offs (x) | 4.9828% | 2,789 |
| Efficiency ratio | 67.8060% | 4,618 |
| Assets per employee ($millions) | 1.9231% | 7,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 5,692 |
| Loan loss allowance to noncurrent loans | 76.9912% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.1143% | 4,899 |
| Noncurrent loans to loans | 1.4929% | 4,464 |
| Net loans and leases to total assets | 55.5807% | 5,772 |
| Net loans and leases to deposits | 63.2246% | 6,114 |
| Net loans and leases to core deposits | 64.1846% | 6,386 |
| Total domestic deposits to total assets | 87.9100% | 2,049 |
| Equity capital to assets | 10.8532% | 3,020 |
| Core capital (leverage) ratio | 10.6825% | 2,474 |
| Tier 1 risk-based capital ratio | 15.9743% | 2,683 |
| Total risk-based capital ratio | 16.9564% | 2,765 |
| Memoranda: | ||
| Average total assets | $26,321,670 | 7,458 |
| Average earning assets | $22,445,670 | 7,494 |
| Average equity | $2,840,000 | 7,464 |
| Average total loans | $15,463,000 | 7,291 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5699% | 320 |
| Cost of funding earning assets | 0.7300% | 7,271 |
| Net interest margin | 5.8399% | 123 |
| Noninterest income to average assets | 1.8754% | 371 |
| Noninterest expense to average assets | 4.8730% | 405 |
| Loan and lease loss provision to assets | 0.3536% | 3,254 |
| Net operating income to assets | 1.1068% | 1,811 |
| Return on assets (ROA) | 1.1068% | 1,893 |
| Pretax return on assets | 1.6909% | 1,076 |
| Return on Equity (ROE) | 10.2894% | 2,010 |
| Retained earnings to average equity (ytd only) | 10.2894% | 1,085 |
| Net charge-offs to loans | 0.1536% | 4,006 |
| Credit loss provision to net charge-offs | 383.3333% | 1,055 |
| Earnings coverage of net charge-offs (x) | 22.1667% | 1,101 |
| Efficiency ratio | 70.0000% | 4,294 |
| Assets per employee ($millions) | 1.8648% | 7,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 4,684 |
| Loan loss allowance to noncurrent loans | 94.8837% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 1.1070% | 4,939 |
| Noncurrent loans to loans | 1.4215% | 4,603 |
| Net loans and leases to total assets | 57.1533% | 5,579 |
| Net loans and leases to deposits | 64.8401% | 5,958 |
| Net loans and leases to core deposits | 65.8502% | 6,294 |
| Total domestic deposits to total assets | 88.1449% | 1,978 |
| Equity capital to assets | 10.8592% | 2,885 |
| Core capital (leverage) ratio | 10.4297% | 2,695 |
| Tier 1 risk-based capital ratio | 14.5125% | 3,368 |
| Total risk-based capital ratio | 15.5918% | 3,431 |
| Memoranda: | ||
| Average total assets | $26,021,000 | 7,566 |
| Average earning assets | $22,466,000 | 7,585 |
| Average equity | $2,799,000 | 7,552 |
| Average total loans | $15,625,500 | 7,371 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4557% | 139 |
| Cost of funding earning assets | 0.9641% | 7,278 |
| Net interest margin | 6.4916% | 71 |
| Noninterest income to average assets | 1.9809% | 382 |
| Noninterest expense to average assets | 4.6944% | 653 |
| Loan and lease loss provision to assets | 0.3683% | 4,582 |
| Net operating income to assets | 1.5583% | 600 |
| Return on assets (ROA) | 1.5583% | 642 |
| Pretax return on assets | 2.3995% | 185 |
| Return on Equity (ROE) | 15.7191% | 580 |
| Retained earnings to average equity (ytd only) | 15.7191% | 82 |
| Net charge-offs to loans | 1.1093% | 2,206 |
| Credit loss provision to net charge-offs | 53.6723% | 6,707 |
| Earnings coverage of net charge-offs (x) | 4.0339% | 3,094 |
| Efficiency ratio | 62.5974% | 6,040 |
| Assets per employee ($millions) | 1.8525% | 7,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 5,588 |
| Loan loss allowance to noncurrent loans | 214.9425% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 6,602 |
| Noncurrent loans to loans | 0.5395% | 6,171 |
| Net loans and leases to total assets | 61.4575% | 5,117 |
| Net loans and leases to deposits | 69.7671% | 5,634 |
| Net loans and leases to core deposits | 75.0388% | 6,467 |
| Total domestic deposits to total assets | 88.0895% | 1,928 |
| Equity capital to assets | 10.6536% | 3,017 |
| Core capital (leverage) ratio | 10.4982% | 2,610 |
| Tier 1 risk-based capital ratio | 14.2781% | 3,335 |
| Total risk-based capital ratio | 15.2788% | 3,434 |
| Memoranda: | ||
| Average total assets | $25,796,800 | 7,616 |
| Average earning assets | $21,782,000 | 7,656 |
| Average equity | $2,557,400 | 7,715 |
| Average total loans | $15,955,800 | 7,406 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5841% | 127 |
| Cost of funding earning assets | 1.0182% | 7,352 |
| Net interest margin | 6.5658% | 66 |
| Noninterest income to average assets | 1.9770% | 380 |
| Noninterest expense to average assets | 4.7044% | 612 |
| Loan and lease loss provision to assets | 0.3726% | 4,093 |
| Net operating income to assets | 1.5681% | 706 |
| Return on assets (ROA) | 1.5681% | 761 |
| Pretax return on assets | 2.4065% | 227 |
| Return on Equity (ROE) | 16.1209% | 637 |
| Retained earnings to average equity (ytd only) | 16.1209% | 122 |
| Net charge-offs to loans | 0.9719% | 2,028 |
| Credit loss provision to net charge-offs | 62.0690% | 6,135 |
| Earnings coverage of net charge-offs (x) | 4.6294% | 3,067 |
| Efficiency ratio | 62.5864% | 6,004 |
| Assets per employee ($millions) | 1.8197% | 7,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 3,891 |
| Loan loss allowance to noncurrent loans | 155.1724% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 6,035 |
| Noncurrent loans to loans | 0.9081% | 5,469 |
| Net loans and leases to total assets | 61.7954% | 5,280 |
| Net loans and leases to deposits | 70.0654% | 5,910 |
| Net loans and leases to core deposits | 76.3408% | 6,588 |
| Total domestic deposits to total assets | 88.1967% | 1,564 |
| Equity capital to assets | 10.4569% | 3,558 |
| Core capital (leverage) ratio | 9.9516% | 3,334 |
| Tier 1 risk-based capital ratio | 13.3243% | 3,972 |
| Total risk-based capital ratio | 14.4918% | 3,969 |
| Memoranda: | ||
| Average total assets | $25,762,250 | 7,689 |
| Average earning assets | $21,606,250 | 7,729 |
| Average equity | $2,506,000 | 7,807 |
| Average total loans | $15,913,250 | 7,475 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6229% | 132 |
| Cost of funding earning assets | 1.0611% | 7,449 |
| Net interest margin | 6.5618% | 67 |
| Noninterest income to average assets | 1.8795% | 415 |
| Noninterest expense to average assets | 4.7259% | 629 |
| Loan and lease loss provision to assets | 0.3867% | 3,596 |
| Net operating income to assets | 1.4541% | 926 |
| Return on assets (ROA) | 1.4541% | 987 |
| Pretax return on assets | 2.2198% | 344 |
| Return on Equity (ROE) | 15.3261% | 779 |
| Retained earnings to average equity (ytd only) | 15.3261% | 190 |
| Net charge-offs to loans | 0.4781% | 2,923 |
| Credit loss provision to net charge-offs | 131.5789% | 3,543 |
| Earnings coverage of net charge-offs (x) | 8.8684% | 2,207 |
| Efficiency ratio | 64.1350% | 5,891 |
| Assets per employee ($millions) | 1.9069% | 7,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 2,225 |
| Loan loss allowance to noncurrent loans | 112.8514% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.9327% | 5,109 |
| Noncurrent loans to loans | 1.5389% | 4,192 |
| Net loans and leases to total assets | 59.5535% | 5,749 |
| Net loans and leases to deposits | 66.5871% | 6,340 |
| Net loans and leases to core deposits | 71.7367% | 6,915 |
| Total domestic deposits to total assets | 89.4370% | 1,071 |
| Equity capital to assets | 9.5479% | 4,549 |
| Core capital (leverage) ratio | 8.9564% | 4,703 |
| Tier 1 risk-based capital ratio | 13.0481% | 4,113 |
| Total risk-based capital ratio | 14.2986% | 4,031 |
| Memoranda: | ||
| Average total assets | $25,857,670 | 7,760 |
| Average earning assets | $21,488,000 | 7,808 |
| Average equity | $2,453,330 | 7,890 |
| Average total loans | $15,895,000 | 7,539 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6040% | 152 |
| Cost of funding earning assets | 1.1216% | 7,476 |
| Net interest margin | 6.4824% | 74 |
| Noninterest income to average assets | 1.9656% | 378 |
| Noninterest expense to average assets | 4.6859% | 599 |
| Loan and lease loss provision to assets | 0.4246% | 2,804 |
| Net operating income to assets | 1.4309% | 1,078 |
| Return on assets (ROA) | 1.4309% | 1,161 |
| Pretax return on assets | 2.2172% | 427 |
| Return on Equity (ROE) | 15.1320% | 956 |
| Retained earnings to average equity (ytd only) | 15.1320% | 402 |
| Net charge-offs to loans | 0.5332% | 2,119 |
| Credit loss provision to net charge-offs | 128.5714% | 3,110 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,252 |
| Efficiency ratio | 63.7339% | 5,736 |
| Assets per employee ($millions) | 1.9154% | 7,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7732% | 1,922 |
| Loan loss allowance to noncurrent loans | 126.1468% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.8129% | 5,146 |
| Noncurrent loans to loans | 1.4056% | 4,206 |
| Net loans and leases to total assets | 56.8094% | 6,128 |
| Net loans and leases to deposits | 63.1828% | 6,637 |
| Net loans and leases to core deposits | 67.4071% | 7,166 |
| Total domestic deposits to total assets | 89.9127% | 838 |
| Equity capital to assets | 9.1401% | 5,167 |
| Core capital (leverage) ratio | 9.0997% | 4,559 |
| Tier 1 risk-based capital ratio | 11.6180% | 5,283 |
| Total risk-based capital ratio | 12.8672% | 5,196 |
| Memoranda: | ||
| Average total assets | $25,438,000 | 7,818 |
| Average earning assets | $21,041,500 | 7,873 |
| Average equity | $2,405,500 | 7,956 |
| Average total loans | $15,752,500 | 7,593 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3967% | 115 |
| Cost of funding earning assets | 1.5245% | 7,570 |
| Net interest margin | 6.8721% | 59 |
| Noninterest income to average assets | 1.8175% | 411 |
| Noninterest expense to average assets | 4.5749% | 830 |
| Loan and lease loss provision to assets | 0.7683% | 1,940 |
| Net operating income to assets | 1.4626% | 1,097 |
| Return on assets (ROA) | 1.4626% | 1,058 |
| Pretax return on assets | 2.2231% | 373 |
| Return on Equity (ROE) | 11.9541% | 1,608 |
| Retained earnings to average equity (ytd only) | -27.2553% | 7,858 |
| Net charge-offs to loans | 1.1984% | 1,008 |
| Credit loss provision to net charge-offs | 108.2418% | 4,965 |
| Earnings coverage of net charge-offs (x) | 4.2143% | 4,065 |
| Efficiency ratio | 60.1546% | 6,306 |
| Assets per employee ($millions) | 1.6040% | 8,134 |
| Cash dividends to net income (ytd only)* | 328.0000% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 1,959 |
| Loan loss allowance to noncurrent loans | 113.0252% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.9892% | 4,361 |
| Noncurrent loans to loans | 1.4879% | 3,569 |
| Net loans and leases to total assets | 65.3658% | 4,976 |
| Net loans and leases to deposits | 73.3364% | 5,913 |
| Net loans and leases to core deposits | 77.5302% | 6,769 |
| Total domestic deposits to total assets | 89.1313% | 992 |
| Equity capital to assets | 9.8088% | 4,283 |
| Core capital (leverage) ratio | 9.0592% | 4,652 |
| Tier 1 risk-based capital ratio | 11.9242% | 4,885 |
| Total risk-based capital ratio | 13.1747% | 4,773 |
| Memoranda: | ||
| Average total assets | $25,639,800 | 7,821 |
| Average earning assets | $21,449,000 | 7,880 |
| Average equity | $3,137,000 | 7,794 |
| Average total loans | $15,186,400 | 7,635 |