Home > American Exchange Bank, Lindsay, Oklahoma > Performance and Condition Ratios
American Exchange Bank, Lindsay, Oklahoma, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8442% | 4,132 |
| Cost of funding earning assets | 0.4818% | 4,210 |
| Net interest margin | 3.3624% | 2,486 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.8026% | 1,488 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.5794% | 3,495 |
| Return on assets (ROA) | 0.5677% | 3,509 |
| Pretax return on assets | 0.5677% | 3,694 |
| Return on Equity (ROE) | 6.5400% | 3,406 |
| Retained earnings to average equity (ytd only) | 4.1299% | 2,911 |
| Net charge-offs to loans | 0.0868% | 997 |
| Credit loss provision to net charge-offs | 500.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 29.9000% | 1,637 |
| Efficiency ratio | 80.1131% | 908 |
| Assets per employee ($millions) | 5.4474% | 3,296 |
| Cash dividends to net income (ytd only)* | 36.8852% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4955% | 38 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 29.4400% | 4,304 |
| Net loans and leases to deposits | 33.2844% | 4,317 |
| Net loans and leases to core deposits | 36.6593% | 4,332 |
| Total domestic deposits to total assets | 88.4600% | 1,217 |
| Equity capital to assets | 9.8310% | 2,104 |
| Core capital (leverage) ratio | 11.8786% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $85,956,400 | 3,962 |
| Average earning assets | $79,079,800 | 3,940 |
| Average equity | $7,457,800 | 3,992 |
| Average total loans | $23,054,000 | 4,251 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7963% | 4,120 |
| Cost of funding earning assets | 0.3733% | 4,287 |
| Net interest margin | 3.4230% | 2,407 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.1237% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3299% | 1,473 |
| Return on assets (ROA) | 1.3698% | 1,368 |
| Pretax return on assets | 1.4801% | 1,602 |
| Return on Equity (ROE) | 16.3000% | 1,201 |
| Retained earnings to average equity (ytd only) | 16.2971% | 444 |
| Net charge-offs to loans | 0.1128% | 708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 49.3684% | 1,323 |
| Efficiency ratio | 59.6386% | 3,008 |
| Assets per employee ($millions) | 5.3301% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3568% | 37 |
| Loan loss allowance to noncurrent loans | 6,842.1053% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 3,580 |
| Noncurrent loans to loans | 0.0783% | 3,201 |
| Net loans and leases to total assets | 28.7300% | 4,334 |
| Net loans and leases to deposits | 32.1600% | 4,352 |
| Net loans and leases to core deposits | 32.9224% | 4,360 |
| Total domestic deposits to total assets | 89.3300% | 1,149 |
| Equity capital to assets | 8.9580% | 2,442 |
| Core capital (leverage) ratio | 12.5406% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $87,017,750 | 3,960 |
| Average earning assets | $80,004,750 | 3,945 |
| Average equity | $7,314,000 | 4,009 |
| Average total loans | $22,453,250 | 4,281 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7970% | 4,021 |
| Cost of funding earning assets | 0.3134% | 4,296 |
| Net interest margin | 3.4836% | 2,303 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 1.9581% | 3,694 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5111% | 1,078 |
| Return on assets (ROA) | 1.5844% | 971 |
| Pretax return on assets | 1.7455% | 1,124 |
| Return on Equity (ROE) | 19.2300% | 802 |
| Retained earnings to average equity (ytd only) | 19.2269% | 277 |
| Net charge-offs to loans | 0.1556% | 501 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 43.7647% | 1,353 |
| Efficiency ratio | 54.0457% | 3,605 |
| Assets per employee ($millions) | 5.6177% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6469% | 35 |
| Loan loss allowance to noncurrent loans | 130,200.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 3,898 |
| Noncurrent loans to loans | 0.0043% | 3,785 |
| Net loans and leases to total assets | 25.8200% | 4,395 |
| Net loans and leases to deposits | 28.7951% | 4,412 |
| Net loans and leases to core deposits | 29.4392% | 4,409 |
| Total domestic deposits to total assets | 89.6600% | 1,029 |
| Equity capital to assets | 8.7794% | 2,671 |
| Core capital (leverage) ratio | 11.2086% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $89,373,333 | 3,946 |
| Average earning assets | $82,328,000 | 3,936 |
| Average equity | $7,364,667 | 4,030 |
| Average total loans | $21,848,333 | 4,304 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6415% | 4,113 |
| Cost of funding earning assets | 0.2729% | 4,251 |
| Net interest margin | 3.3686% | 2,714 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 1.9276% | 3,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5577% | 1,062 |
| Return on assets (ROA) | 1.7405% | 753 |
| Pretax return on assets | 1.7405% | 1,192 |
| Return on Equity (ROE) | 21.7700% | 599 |
| Retained earnings to average equity (ytd only) | 21.7746% | 295 |
| Net charge-offs to loans | 0.3954% | 202 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 17.0476% | 1,504 |
| Efficiency ratio | 55.3059% | 3,479 |
| Assets per employee ($millions) | 6.4921% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0235% | 22 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 20.8000% | 4,509 |
| Net loans and leases to deposits | 22.9260% | 4,519 |
| Net loans and leases to core deposits | 23.3632% | 4,513 |
| Total domestic deposits to total assets | 90.7100% | 905 |
| Equity capital to assets | 8.0087% | 3,235 |
| Core capital (leverage) ratio | 10.6494% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $91,927,500 | 3,976 |
| Average earning assets | $85,019,500 | 3,960 |
| Average equity | $7,348,000 | 4,082 |
| Average total loans | $21,244,000 | 4,377 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1288% | 3,945 |
| Cost of funding earning assets | 0.1211% | 4,276 |
| Net interest margin | 3.0077% | 3,433 |
| Noninterest income to average assets | 1.2200% | 455 |
| Noninterest expense to average assets | 2.7247% | 1,499 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.1925% | 1,803 |
| Return on assets (ROA) | 1.1370% | 1,971 |
| Pretax return on assets | 0.9671% | 3,168 |
| Return on Equity (ROE) | 12.7000% | 1,904 |
| Retained earnings to average equity (ytd only) | 9.5359% | 1,302 |
| Net charge-offs to loans | -0.0253% | 4,146 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.0815% | 1,953 |
| Assets per employee ($millions) | 5.7649% | 2,979 |
| Cash dividends to net income (ytd only)* | 24.9004% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2993% | 22 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 22.6900% | 4,524 |
| Net loans and leases to deposits | 25.1306% | 4,532 |
| Net loans and leases to core deposits | 25.6742% | 4,530 |
| Total domestic deposits to total assets | 90.2800% | 1,242 |
| Equity capital to assets | 7.9759% | 3,071 |
| Core capital (leverage) ratio | 10.5807% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $88,302,600 | 4,033 |
| Average earning assets | $81,756,400 | 4,019 |
| Average equity | $7,907,000 | 4,107 |
| Average total loans | $19,739,400 | 4,418 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0162% | 3,864 |
| Cost of funding earning assets | 0.1022% | 4,265 |
| Net interest margin | 2.9141% | 3,453 |
| Noninterest income to average assets | 0.9100% | 806 |
| Noninterest expense to average assets | 1.9573% | 3,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5923% | 667 |
| Return on assets (ROA) | 1.5923% | 647 |
| Pretax return on assets | 1.6494% | 1,007 |
| Return on Equity (ROE) | 17.3200% | 742 |
| Retained earnings to average equity (ytd only) | 17.3209% | 193 |
| Net charge-offs to loans | -0.0480% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.2691% | 3,799 |
| Assets per employee ($millions) | 6.2181% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4699% | 31 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 20.3100% | 4,589 |
| Net loans and leases to deposits | 22.5100% | 4,598 |
| Net loans and leases to core deposits | 22.9607% | 4,588 |
| Total domestic deposits to total assets | 90.2100% | 1,564 |
| Equity capital to assets | 8.3476% | 2,645 |
| Core capital (leverage) ratio | 10.7584% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $88,760,000 | 4,058 |
| Average earning assets | $82,219,750 | 4,046 |
| Average equity | $8,159,500 | 4,122 |
| Average total loans | $19,439,500 | 4,454 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9223% | 3,734 |
| Cost of funding earning assets | 0.1015% | 4,175 |
| Net interest margin | 2.8207% | 3,376 |
| Noninterest income to average assets | 1.1644% | 503 |
| Noninterest expense to average assets | 1.9575% | 3,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7305% | 398 |
| Return on assets (ROA) | 1.7305% | 394 |
| Pretax return on assets | 1.8176% | 572 |
| Return on Equity (ROE) | 18.2279% | 444 |
| Retained earnings to average equity (ytd only) | 18.2279% | 108 |
| Net charge-offs to loans | -0.0520% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8519% | 4,136 |
| Assets per employee ($millions) | 5.9312% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5130% | 33 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 21.0750% | 4,642 |
| Net loans and leases to deposits | 23.3933% | 4,647 |
| Net loans and leases to core deposits | 23.8857% | 4,650 |
| Total domestic deposits to total assets | 90.0897% | 1,676 |
| Equity capital to assets | 8.4109% | 2,830 |
| Core capital (leverage) ratio | 10.4705% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,256,000 | 4,113 |
| Average earning assets | $80,759,000 | 4,112 |
| Average equity | $8,284,000 | 4,170 |
| Average total loans | $19,240,333 | 4,516 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8656% | 3,617 |
| Cost of funding earning assets | 0.0998% | 4,136 |
| Net interest margin | 2.7657% | 3,238 |
| Noninterest income to average assets | 0.3657% | 2,894 |
| Noninterest expense to average assets | 2.0417% | 3,320 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8889% | 2,324 |
| Return on assets (ROA) | 0.8889% | 2,319 |
| Pretax return on assets | 0.8889% | 2,815 |
| Return on Equity (ROE) | 8.8433% | 2,371 |
| Retained earnings to average equity (ytd only) | 8.8433% | 1,312 |
| Net charge-offs to loans | -0.1267% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6682% | 2,281 |
| Assets per employee ($millions) | 6.1002% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9030% | 30 |
| Loan loss allowance to noncurrent loans | 15,628.5714% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 4,000 |
| Noncurrent loans to loans | 0.0378% | 3,709 |
| Net loans and leases to total assets | 19.0584% | 4,679 |
| Net loans and leases to deposits | 21.1898% | 4,690 |
| Net loans and leases to core deposits | 21.6239% | 4,689 |
| Total domestic deposits to total assets | 89.9413% | 1,597 |
| Equity capital to assets | 8.6314% | 3,045 |
| Core capital (leverage) ratio | 10.3269% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,400,000 | 4,141 |
| Average earning assets | $80,123,500 | 4,140 |
| Average equity | $8,684,500 | 4,185 |
| Average total loans | $18,938,500 | 4,538 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5088% | 2,636 |
| Cost of funding earning assets | 0.1194% | 4,227 |
| Net interest margin | 3.3893% | 2,069 |
| Noninterest income to average assets | 0.4664% | 2,746 |
| Noninterest expense to average assets | 2.6850% | 1,670 |
| Loan and lease loss provision to assets | 0.0933% | 1,336 |
| Net operating income to assets | 0.8295% | 3,237 |
| Return on assets (ROA) | 0.7138% | 3,649 |
| Pretax return on assets | 0.7138% | 3,905 |
| Return on Equity (ROE) | 5.8771% | 3,802 |
| Retained earnings to average equity (ytd only) | 4.0341% | 3,210 |
| Net charge-offs to loans | -0.0708% | 4,465 |
| Credit loss provision to net charge-offs | -535.7143% | 3,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4226% | 1,258 |
| Assets per employee ($millions) | 5.4198% | 3,336 |
| Cash dividends to net income (ytd only)* | 31.3589% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6297% | 30 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 22.4547% | 4,684 |
| Net loans and leases to deposits | 25.8921% | 4,691 |
| Net loans and leases to core deposits | 26.6127% | 4,692 |
| Total domestic deposits to total assets | 86.7240% | 2,611 |
| Equity capital to assets | 11.6499% | 1,424 |
| Core capital (leverage) ratio | 10.2990% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,409,600 | 4,216 |
| Average earning assets | $74,527,600 | 4,201 |
| Average equity | $9,766,800 | 4,154 |
| Average total loans | $19,769,200 | 4,572 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6880% | 2,307 |
| Cost of funding earning assets | 0.1224% | 4,329 |
| Net interest margin | 3.5656% | 1,684 |
| Noninterest income to average assets | 0.4822% | 2,703 |
| Noninterest expense to average assets | 2.0984% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4664% | 1,345 |
| Return on assets (ROA) | 1.3318% | 1,790 |
| Pretax return on assets | 1.5231% | 1,930 |
| Return on Equity (ROE) | 10.8526% | 2,414 |
| Retained earnings to average equity (ytd only) | 10.8526% | 1,092 |
| Net charge-offs to loans | -0.0939% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5702% | 3,584 |
| Assets per employee ($millions) | 5.5632% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4122% | 30 |
| Loan loss allowance to noncurrent loans | 11,277.7778% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 4,158 |
| Noncurrent loans to loans | 0.0480% | 3,873 |
| Net loans and leases to total assets | 21.2575% | 4,779 |
| Net loans and leases to deposits | 24.6204% | 4,783 |
| Net loans and leases to core deposits | 25.2898% | 4,784 |
| Total domestic deposits to total assets | 86.3412% | 2,618 |
| Equity capital to assets | 11.9655% | 1,420 |
| Core capital (leverage) ratio | 11.2899% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,187,750 | 4,266 |
| Average earning assets | $74,076,750 | 4,258 |
| Average equity | $9,840,750 | 4,204 |
| Average total loans | $19,875,500 | 4,639 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 1,035 |
| Cost of funding earning assets | 0.1235% | 4,413 |
| Net interest margin | 4.1576% | 631 |
| Noninterest income to average assets | 0.5158% | 2,556 |
| Noninterest expense to average assets | 2.1517% | 3,235 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8975% | 592 |
| Return on assets (ROA) | 1.8584% | 668 |
| Pretax return on assets | 2.1492% | 630 |
| Return on Equity (ROE) | 15.0112% | 1,153 |
| Retained earnings to average equity (ytd only) | 15.0112% | 428 |
| Net charge-offs to loans | -0.1482% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5055% | 4,271 |
| Assets per employee ($millions) | 5.4592% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1198% | 34 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 22.9704% | 4,796 |
| Net loans and leases to deposits | 26.7169% | 4,797 |
| Net loans and leases to core deposits | 27.4607% | 4,807 |
| Total domestic deposits to total assets | 85.9772% | 2,747 |
| Equity capital to assets | 12.2387% | 1,254 |
| Core capital (leverage) ratio | 11.1681% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,101,000 | 4,308 |
| Average earning assets | $72,878,667 | 4,305 |
| Average equity | $9,792,667 | 4,223 |
| Average total loans | $20,249,333 | 4,660 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8958% | 417 |
| Cost of funding earning assets | 0.1340% | 4,426 |
| Net interest margin | 4.7618% | 254 |
| Noninterest income to average assets | 0.3655% | 3,264 |
| Noninterest expense to average assets | 2.1980% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5583% | 241 |
| Return on assets (ROA) | 2.4296% | 319 |
| Pretax return on assets | 2.4296% | 500 |
| Return on Equity (ROE) | 19.5082% | 569 |
| Retained earnings to average equity (ytd only) | 19.5082% | 288 |
| Net charge-offs to loans | -0.2150% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2121% | 4,457 |
| Assets per employee ($millions) | 5.3653% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7422% | 45 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 25.2339% | 4,796 |
| Net loans and leases to deposits | 29.3324% | 4,801 |
| Net loans and leases to core deposits | 30.0503% | 4,809 |
| Total domestic deposits to total assets | 86.0274% | 2,731 |
| Equity capital to assets | 12.2231% | 1,190 |
| Core capital (leverage) ratio | 11.3530% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,707,500 | 4,339 |
| Average earning assets | $71,653,000 | 4,333 |
| Average equity | $9,678,000 | 4,248 |
| Average total loans | $20,461,500 | 4,681 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7011% | 3,573 |
| Cost of funding earning assets | 0.2127% | 4,541 |
| Net interest margin | 3.4884% | 2,506 |
| Noninterest income to average assets | 0.4176% | 3,020 |
| Noninterest expense to average assets | 2.7622% | 2,035 |
| Loan and lease loss provision to assets | 0.0997% | 3,090 |
| Net operating income to assets | 0.7620% | 3,233 |
| Return on assets (ROA) | 0.8564% | 3,010 |
| Pretax return on assets | 0.8564% | 3,489 |
| Return on Equity (ROE) | 7.1319% | 3,158 |
| Retained earnings to average equity (ytd only) | 5.1385% | 2,218 |
| Net charge-offs to loans | 0.1285% | 1,225 |
| Credit loss provision to net charge-offs | 288.4615% | 1,780 |
| Earnings coverage of net charge-offs (x) | 24.9231% | 1,759 |
| Efficiency ratio | 76.2202% | 1,199 |
| Assets per employee ($millions) | 4.9957% | 3,395 |
| Cash dividends to net income (ytd only)* | 27.9503% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1010% | 37 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 24.8265% | 4,838 |
| Net loans and leases to deposits | 29.1161% | 4,845 |
| Net loans and leases to core deposits | 29.8898% | 4,854 |
| Total domestic deposits to total assets | 85.2674% | 2,663 |
| Equity capital to assets | 12.7028% | 1,230 |
| Core capital (leverage) ratio | 11.1397% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,194,200 | 4,308 |
| Average earning assets | $69,114,800 | 4,308 |
| Average equity | $9,029,800 | 4,315 |
| Average total loans | $20,229,800 | 4,709 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7826% | 3,612 |
| Cost of funding earning assets | 0.2350% | 4,552 |
| Net interest margin | 3.5476% | 2,432 |
| Noninterest income to average assets | 0.3951% | 3,108 |
| Noninterest expense to average assets | 2.0232% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5202% | 862 |
| Return on assets (ROA) | 1.5927% | 814 |
| Pretax return on assets | 1.7132% | 946 |
| Return on Equity (ROE) | 13.4565% | 985 |
| Retained earnings to average equity (ytd only) | 13.4565% | 286 |
| Net charge-offs to loans | 0.1766% | 842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 34.1852% | 1,483 |
| Efficiency ratio | 55.3027% | 4,003 |
| Assets per employee ($millions) | 4.9081% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3900% | 52 |
| Loan loss allowance to noncurrent loans | 1,566.1017% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 4,027 |
| Noncurrent loans to loans | 0.2803% | 3,285 |
| Net loans and leases to total assets | 27.3342% | 4,864 |
| Net loans and leases to deposits | 32.1429% | 4,877 |
| Net loans and leases to core deposits | 33.0151% | 4,879 |
| Total domestic deposits to total assets | 85.0398% | 2,417 |
| Equity capital to assets | 13.0749% | 1,148 |
| Core capital (leverage) ratio | 11.4865% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,258,750 | 4,311 |
| Average earning assets | $69,228,000 | 4,317 |
| Average equity | $8,907,500 | 4,340 |
| Average total loans | $20,386,250 | 4,738 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8313% | 3,785 |
| Cost of funding earning assets | 0.2700% | 4,565 |
| Net interest margin | 3.5614% | 2,606 |
| Noninterest income to average assets | 0.4380% | 2,869 |
| Noninterest expense to average assets | 2.0289% | 4,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5049% | 917 |
| Return on assets (ROA) | 1.5382% | 938 |
| Pretax return on assets | 1.7176% | 965 |
| Return on Equity (ROE) | 13.4518% | 988 |
| Retained earnings to average equity (ytd only) | 13.4518% | 314 |
| Net charge-offs to loans | 0.0496% | 1,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 127.4000% | 598 |
| Efficiency ratio | 54.6942% | 4,098 |
| Assets per employee ($millions) | 5.4721% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4084% | 51 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 24.9909% | 4,920 |
| Net loans and leases to deposits | 28.6370% | 4,937 |
| Net loans and leases to core deposits | 29.8037% | 4,936 |
| Total domestic deposits to total assets | 87.2676% | 1,517 |
| Equity capital to assets | 11.0402% | 2,307 |
| Core capital (leverage) ratio | 10.8294% | 2,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,804,333 | 4,312 |
| Average earning assets | $69,636,333 | 4,319 |
| Average equity | $8,668,000 | 4,380 |
| Average total loans | $20,165,667 | 4,767 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 3,972 |
| Cost of funding earning assets | 0.2848% | 4,701 |
| Net interest margin | 3.6476% | 2,520 |
| Noninterest income to average assets | 0.3798% | 3,233 |
| Noninterest expense to average assets | 2.0367% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6569% | 554 |
| Return on assets (ROA) | 1.7450% | 507 |
| Pretax return on assets | 1.7450% | 780 |
| Return on Equity (ROE) | 14.9687% | 549 |
| Retained earnings to average equity (ytd only) | 14.9687% | 193 |
| Net charge-offs to loans | 0.0615% | 1,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 100.3333% | 578 |
| Efficiency ratio | 55.1416% | 4,291 |
| Assets per employee ($millions) | 4.8619% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9631% | 43 |
| Loan loss allowance to noncurrent loans | 11,850.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 4,594 |
| Noncurrent loans to loans | 0.0419% | 4,387 |
| Net loans and leases to total assets | 24.8917% | 4,968 |
| Net loans and leases to deposits | 28.8353% | 4,985 |
| Net loans and leases to core deposits | 30.1796% | 4,984 |
| Total domestic deposits to total assets | 86.3235% | 1,865 |
| Equity capital to assets | 11.8446% | 2,184 |
| Core capital (leverage) ratio | 11.1584% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,665,500 | 4,364 |
| Average earning assets | $66,015,500 | 4,386 |
| Average equity | $8,471,000 | 4,430 |
| Average total loans | $19,519,000 | 4,813 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 4,107 |
| Cost of funding earning assets | 0.2901% | 4,752 |
| Net interest margin | 3.7793% | 2,572 |
| Noninterest income to average assets | 0.5913% | 2,265 |
| Noninterest expense to average assets | 3.0362% | 1,919 |
| Loan and lease loss provision to assets | 0.0976% | 2,096 |
| Net operating income to assets | 0.9227% | 3,117 |
| Return on assets (ROA) | 0.9694% | 3,035 |
| Pretax return on assets | 0.9983% | 3,465 |
| Return on Equity (ROE) | 8.8479% | 2,826 |
| Retained earnings to average equity (ytd only) | 6.5889% | 1,569 |
| Net charge-offs to loans | 0.0246% | 2,910 |
| Credit loss provision to net charge-offs | 1,420.0000% | 248 |
| Earnings coverage of net charge-offs (x) | 152.4000% | 489 |
| Efficiency ratio | 74.3434% | 1,568 |
| Assets per employee ($millions) | 4.8269% | 2,804 |
| Cash dividends to net income (ytd only)* | 25.5319% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7700% | 37 |
| Loan loss allowance to noncurrent loans | 11,887.5000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 4,609 |
| Noncurrent loans to loans | 0.0401% | 4,402 |
| Net loans and leases to total assets | 26.2227% | 5,018 |
| Net loans and leases to deposits | 30.2585% | 5,032 |
| Net loans and leases to core deposits | 31.6623% | 5,035 |
| Total domestic deposits to total assets | 86.6622% | 1,772 |
| Equity capital to assets | 11.4691% | 2,554 |
| Core capital (leverage) ratio | 10.4411% | 3,017 |
| Tier 1 risk-based capital ratio | 18.6634% | 1,596 |
| Total risk-based capital ratio | 19.9249% | 1,566 |
| Memoranda: | ||
| Average total assets | $72,723,000 | 4,388 |
| Average earning assets | $67,208,200 | 4,387 |
| Average equity | $7,968,000 | 4,512 |
| Average total loans | $20,302,400 | 4,858 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 4,257 |
| Cost of funding earning assets | 0.2862% | 4,827 |
| Net interest margin | 3.7639% | 2,706 |
| Noninterest income to average assets | 0.6117% | 2,141 |
| Noninterest expense to average assets | 2.3295% | 3,877 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6101% | 910 |
| Return on assets (ROA) | 1.6318% | 903 |
| Pretax return on assets | 1.7984% | 1,096 |
| Return on Equity (ROE) | 15.0681% | 763 |
| Retained earnings to average equity (ytd only) | 15.0681% | 144 |
| Net charge-offs to loans | 0.0327% | 2,416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 193.6987% | 448 |
| Efficiency ratio | 56.7604% | 4,088 |
| Assets per employee ($millions) | 4.9742% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2954% | 51 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 26.2783% | 5,108 |
| Net loans and leases to deposits | 30.3829% | 5,122 |
| Net loans and leases to core deposits | 31.7517% | 5,123 |
| Total domestic deposits to total assets | 86.4903% | 1,777 |
| Equity capital to assets | 11.6106% | 2,589 |
| Core capital (leverage) ratio | 10.7641% | 2,875 |
| Tier 1 risk-based capital ratio | 19.3880% | 1,484 |
| Total risk-based capital ratio | 20.6493% | 1,451 |
| Memoranda: | ||
| Average total assets | $72,803,000 | 4,442 |
| Average earning assets | $67,552,500 | 4,433 |
| Average equity | $7,884,000 | 4,573 |
| Average total loans | $20,393,750 | 4,927 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0643% | 4,246 |
| Cost of funding earning assets | 0.2749% | 4,888 |
| Net interest margin | 3.7894% | 2,611 |
| Noninterest income to average assets | 0.7341% | 1,583 |
| Noninterest expense to average assets | 2.3324% | 3,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6595% | 790 |
| Return on assets (ROA) | 1.6427% | 863 |
| Pretax return on assets | 1.8947% | 847 |
| Return on Equity (ROE) | 15.5555% | 662 |
| Retained earnings to average equity (ytd only) | 15.5555% | 147 |
| Net charge-offs to loans | 0.3438% | 492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 19.7429% | 1,807 |
| Efficiency ratio | 54.9250% | 4,368 |
| Assets per employee ($millions) | 4.9978% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3156% | 54 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 25.1391% | 5,165 |
| Net loans and leases to deposits | 28.8629% | 5,178 |
| Net loans and leases to core deposits | 30.8203% | 5,175 |
| Total domestic deposits to total assets | 87.0983% | 1,551 |
| Equity capital to assets | 11.0382% | 3,005 |
| Core capital (leverage) ratio | 10.6716% | 2,914 |
| Tier 1 risk-based capital ratio | 19.2859% | 1,488 |
| Total risk-based capital ratio | 20.5466% | 1,452 |
| Memoranda: | ||
| Average total assets | $72,199,670 | 4,481 |
| Average earning assets | $66,924,000 | 4,480 |
| Average equity | $7,624,330 | 4,635 |
| Average total loans | $20,362,670 | 4,972 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 4,074 |
| Cost of funding earning assets | 0.2430% | 4,999 |
| Net interest margin | 3.8763% | 2,262 |
| Noninterest income to average assets | 0.5027% | 2,541 |
| Noninterest expense to average assets | 2.2481% | 4,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8583% | 501 |
| Return on assets (ROA) | 1.8357% | 532 |
| Pretax return on assets | 1.8357% | 896 |
| Return on Equity (ROE) | 17.8107% | 416 |
| Retained earnings to average equity (ytd only) | 17.8107% | 150 |
| Net charge-offs to loans | 0.0193% | 2,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 329.0000% | 246 |
| Efficiency ratio | 54.7455% | 4,462 |
| Assets per employee ($millions) | 4.9821% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3427% | 51 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 26.0558% | 5,210 |
| Net loans and leases to deposits | 29.5774% | 5,226 |
| Net loans and leases to core deposits | 31.5658% | 5,218 |
| Total domestic deposits to total assets | 88.0935% | 1,285 |
| Equity capital to assets | 10.1429% | 3,683 |
| Core capital (leverage) ratio | 10.4774% | 3,072 |
| Tier 1 risk-based capital ratio | 18.3341% | 1,705 |
| Total risk-based capital ratio | 19.5942% | 1,650 |
| Memoranda: | ||
| Average total assets | $70,816,000 | 4,554 |
| Average earning assets | $65,836,000 | 4,546 |
| Average equity | $7,299,000 | 4,714 |
| Average total loans | $20,696,000 | 5,020 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9601% | 4,139 |
| Cost of funding earning assets | 0.1265% | 5,229 |
| Net interest margin | 3.8335% | 2,551 |
| Noninterest income to average assets | 0.8029% | 1,436 |
| Noninterest expense to average assets | 3.2877% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9519% | 3,222 |
| Return on assets (ROA) | 0.8713% | 3,525 |
| Pretax return on assets | 0.9669% | 3,707 |
| Return on Equity (ROE) | 8.1839% | 3,360 |
| Retained earnings to average equity (ytd only) | 6.0452% | 2,170 |
| Net charge-offs to loans | -0.3779% | 5,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6813% | 1,410 |
| Assets per employee ($millions) | 4.4600% | 3,226 |
| Cash dividends to net income (ytd only)* | 26.1324% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2071% | 48 |
| Loan loss allowance to noncurrent loans | 29,500.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 4,903 |
| Noncurrent loans to loans | 0.0143% | 4,736 |
| Net loans and leases to total assets | 30.1211% | 5,206 |
| Net loans and leases to deposits | 34.4044% | 5,220 |
| Net loans and leases to core deposits | 35.2469% | 5,228 |
| Total domestic deposits to total assets | 87.5501% | 1,509 |
| Equity capital to assets | 10.4903% | 3,205 |
| Core capital (leverage) ratio | 10.6955% | 2,842 |
| Tier 1 risk-based capital ratio | 17.7752% | 1,820 |
| Total risk-based capital ratio | 19.0371% | 1,771 |
| Memoranda: | ||
| Average total assets | $65,882,200 | 4,659 |
| Average earning assets | $60,857,600 | 4,652 |
| Average equity | $7,013,800 | 4,747 |
| Average total loans | $19,582,200 | 5,082 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9043% | 4,205 |
| Cost of funding earning assets | 0.1278% | 5,283 |
| Net interest margin | 3.7765% | 2,729 |
| Noninterest income to average assets | 0.7151% | 1,815 |
| Noninterest expense to average assets | 2.5131% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5855% | 990 |
| Return on assets (ROA) | 1.5664% | 1,038 |
| Pretax return on assets | 1.6639% | 1,369 |
| Return on Equity (ROE) | 14.6586% | 945 |
| Retained earnings to average equity (ytd only) | 14.6586% | 191 |
| Net charge-offs to loans | -0.5897% | 5,411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8742% | 3,830 |
| Assets per employee ($millions) | 4.5266% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3784% | 49 |
| Loan loss allowance to noncurrent loans | 44,850.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 5,020 |
| Noncurrent loans to loans | 0.0098% | 4,885 |
| Net loans and leases to total assets | 28.8517% | 5,296 |
| Net loans and leases to deposits | 33.0226% | 5,316 |
| Net loans and leases to core deposits | 33.8208% | 5,320 |
| Total domestic deposits to total assets | 87.3695% | 1,563 |
| Equity capital to assets | 10.7851% | 2,857 |
| Core capital (leverage) ratio | 11.3257% | 2,312 |
| Tier 1 risk-based capital ratio | 18.7995% | 1,588 |
| Total risk-based capital ratio | 20.0618% | 1,556 |
| Memoranda: | ||
| Average total assets | $65,627,750 | 4,709 |
| Average earning assets | $60,513,000 | 4,708 |
| Average equity | $7,012,750 | 4,794 |
| Average total loans | $19,218,750 | 5,154 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 4,127 |
| Cost of funding earning assets | 0.1308% | 5,317 |
| Net interest margin | 3.7495% | 2,751 |
| Noninterest income to average assets | 0.7060% | 1,850 |
| Noninterest expense to average assets | 2.5312% | 3,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4718% | 1,221 |
| Return on assets (ROA) | 1.4521% | 1,272 |
| Pretax return on assets | 1.6001% | 1,501 |
| Return on Equity (ROE) | 13.6337% | 1,174 |
| Retained earnings to average equity (ytd only) | 13.6337% | 313 |
| Net charge-offs to loans | -0.6704% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9503% | 3,774 |
| Assets per employee ($millions) | 4.4793% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5683% | 44 |
| Loan loss allowance to noncurrent loans | 12,485.7143% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 4,585 |
| Noncurrent loans to loans | 0.0366% | 4,750 |
| Net loans and leases to total assets | 27.1737% | 5,368 |
| Net loans and leases to deposits | 31.0130% | 5,386 |
| Net loans and leases to core deposits | 31.7685% | 5,387 |
| Total domestic deposits to total assets | 87.6202% | 1,578 |
| Equity capital to assets | 10.5284% | 3,086 |
| Core capital (leverage) ratio | 10.9030% | 2,608 |
| Tier 1 risk-based capital ratio | 18.6572% | 1,636 |
| Total risk-based capital ratio | 19.9196% | 1,598 |
| Memoranda: | ||
| Average total assets | $64,870,670 | 4,778 |
| Average earning assets | $59,634,330 | 4,773 |
| Average equity | $6,909,330 | 4,859 |
| Average total loans | $18,796,000 | 5,221 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 4,044 |
| Cost of funding earning assets | 0.1367% | 5,330 |
| Net interest margin | 3.7244% | 2,707 |
| Noninterest income to average assets | 0.5462% | 2,541 |
| Noninterest expense to average assets | 2.4234% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5445% | 966 |
| Return on assets (ROA) | 1.5445% | 975 |
| Pretax return on assets | 1.5445% | 1,547 |
| Return on Equity (ROE) | 14.4134% | 925 |
| Retained earnings to average equity (ytd only) | 14.4134% | 374 |
| Net charge-offs to loans | -1.4172% | 5,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0759% | 3,932 |
| Assets per employee ($millions) | 4.4087% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5949% | 44 |
| Loan loss allowance to noncurrent loans | 4,180.9524% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 4,512 |
| Noncurrent loans to loans | 0.1099% | 4,479 |
| Net loans and leases to total assets | 27.5665% | 5,417 |
| Net loans and leases to deposits | 31.4126% | 5,429 |
| Net loans and leases to core deposits | 32.1891% | 5,435 |
| Total domestic deposits to total assets | 87.7561% | 1,756 |
| Equity capital to assets | 10.3628% | 3,205 |
| Core capital (leverage) ratio | 11.0224% | 2,414 |
| Tier 1 risk-based capital ratio | 18.3871% | 1,724 |
| Total risk-based capital ratio | 19.6502% | 1,687 |
| Memoranda: | ||
| Average total assets | $63,711,000 | 4,853 |
| Average earning assets | $58,533,500 | 4,859 |
| Average equity | $6,827,000 | 4,923 |
| Average total loans | $18,628,000 | 5,283 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6622% | 4,427 |
| Cost of funding earning assets | 0.1408% | 5,313 |
| Net interest margin | 3.5214% | 3,459 |
| Noninterest income to average assets | 0.9530% | 1,132 |
| Noninterest expense to average assets | 3.2399% | 1,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8062% | 3,129 |
| Return on assets (ROA) | 0.8277% | 3,083 |
| Pretax return on assets | 0.9546% | 3,719 |
| Return on Equity (ROE) | 7.3242% | 3,108 |
| Retained earnings to average equity (ytd only) | 5.5734% | 1,788 |
| Net charge-offs to loans | 0.3313% | 766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 9.5593% | 2,770 |
| Efficiency ratio | 77.6987% | 1,394 |
| Assets per employee ($millions) | 4.0861% | 3,831 |
| Cash dividends to net income (ytd only)* | 23.9044% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4743% | 46 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 28.2847% | 5,460 |
| Net loans and leases to deposits | 32.6177% | 5,486 |
| Net loans and leases to core deposits | 34.1603% | 5,485 |
| Total domestic deposits to total assets | 86.7158% | 2,138 |
| Equity capital to assets | 11.0962% | 2,543 |
| Core capital (leverage) ratio | 11.0710% | 2,268 |
| Tier 1 risk-based capital ratio | 18.8407% | 1,546 |
| Total risk-based capital ratio | 20.1015% | 1,511 |
| Memoranda: | ||
| Average total assets | $60,650,600 | 4,949 |
| Average earning assets | $55,404,000 | 4,966 |
| Average equity | $6,854,000 | 4,964 |
| Average total loans | $17,809,600 | 5,366 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6475% | 4,448 |
| Cost of funding earning assets | 0.1450% | 5,342 |
| Net interest margin | 3.5024% | 3,495 |
| Noninterest income to average assets | 0.7186% | 1,916 |
| Noninterest expense to average assets | 2.6273% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2241% | 1,597 |
| Return on assets (ROA) | 1.2387% | 1,576 |
| Pretax return on assets | 1.3004% | 2,491 |
| Return on Equity (ROE) | 10.9114% | 1,737 |
| Retained earnings to average equity (ytd only) | 10.9114% | 425 |
| Net charge-offs to loans | -0.0451% | 5,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1549% | 3,025 |
| Assets per employee ($millions) | 4.2496% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9971% | 41 |
| Loan loss allowance to noncurrent loans | 802.7523% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 4,420 |
| Noncurrent loans to loans | 0.6225% | 2,842 |
| Net loans and leases to total assets | 26.0966% | 5,564 |
| Net loans and leases to deposits | 30.2076% | 5,583 |
| Net loans and leases to core deposits | 31.5840% | 5,582 |
| Total domestic deposits to total assets | 86.3909% | 2,139 |
| Equity capital to assets | 11.3313% | 2,546 |
| Core capital (leverage) ratio | 11.1475% | 2,326 |
| Tier 1 risk-based capital ratio | 19.7932% | 1,413 |
| Total risk-based capital ratio | 21.0590% | 1,367 |
| Memoranda: | ||
| Average total assets | $60,490,500 | 5,008 |
| Average earning assets | $55,160,250 | 5,028 |
| Average equity | $6,867,250 | 5,017 |
| Average total loans | $17,725,000 | 5,426 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 4,261 |
| Cost of funding earning assets | 0.1446% | 5,369 |
| Net interest margin | 3.5444% | 3,241 |
| Noninterest income to average assets | 0.7945% | 1,586 |
| Noninterest expense to average assets | 2.6866% | 3,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2336% | 1,488 |
| Return on assets (ROA) | 1.2524% | 1,455 |
| Pretax return on assets | 1.3467% | 2,223 |
| Return on Equity (ROE) | 11.0244% | 1,635 |
| Retained earnings to average equity (ytd only) | 11.0244% | 435 |
| Net charge-offs to loans | -0.0337% | 5,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9463% | 3,190 |
| Assets per employee ($millions) | 4.0135% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9994% | 44 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 27.5867% | 5,577 |
| Net loans and leases to deposits | 32.1163% | 5,603 |
| Net loans and leases to core deposits | 33.6794% | 5,605 |
| Total domestic deposits to total assets | 85.8961% | 2,419 |
| Equity capital to assets | 11.6871% | 2,162 |
| Core capital (leverage) ratio | 11.3227% | 2,108 |
| Tier 1 risk-based capital ratio | 20.1650% | 1,336 |
| Total risk-based capital ratio | 21.4319% | 1,304 |
| Memoranda: | ||
| Average total assets | $59,406,000 | 5,071 |
| Average earning assets | $53,944,670 | 5,086 |
| Average equity | $6,748,670 | 5,067 |
| Average total loans | $17,796,670 | 5,470 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7214% | 4,045 |
| Cost of funding earning assets | 0.1492% | 5,380 |
| Net interest margin | 3.5723% | 2,994 |
| Noninterest income to average assets | 0.6304% | 2,265 |
| Noninterest expense to average assets | 2.4810% | 3,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3964% | 1,009 |
| Return on assets (ROA) | 1.4235% | 978 |
| Pretax return on assets | 1.4235% | 1,796 |
| Return on Equity (ROE) | 12.7176% | 1,059 |
| Retained earnings to average equity (ytd only) | 12.7176% | 402 |
| Net charge-offs to loans | -0.0668% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9860% | 3,839 |
| Assets per employee ($millions) | 3.9800% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8232% | 55 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 28.8559% | 5,611 |
| Net loans and leases to deposits | 33.2863% | 5,629 |
| Net loans and leases to core deposits | 34.9050% | 5,637 |
| Total domestic deposits to total assets | 86.6901% | 2,358 |
| Equity capital to assets | 11.2580% | 2,379 |
| Core capital (leverage) ratio | 11.2967% | 2,106 |
| Tier 1 risk-based capital ratio | 19.4200% | 1,511 |
| Total risk-based capital ratio | 20.6868% | 1,477 |
| Memoranda: | ||
| Average total assets | $59,007,500 | 5,133 |
| Average earning assets | $53,635,500 | 5,147 |
| Average equity | $6,605,000 | 5,139 |
| Average total loans | $17,954,000 | 5,523 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3958% | 4,989 |
| Cost of funding earning assets | 0.1348% | 5,520 |
| Net interest margin | 3.2610% | 4,263 |
| Noninterest income to average assets | 0.8746% | 1,499 |
| Noninterest expense to average assets | 2.9867% | 2,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8443% | 3,090 |
| Return on assets (ROA) | 0.9558% | 2,660 |
| Pretax return on assets | 0.9657% | 3,596 |
| Return on Equity (ROE) | 8.8070% | 2,513 |
| Retained earnings to average equity (ytd only) | 6.9754% | 1,237 |
| Net charge-offs to loans | -0.0062% | 4,846 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7826% | 1,723 |
| Assets per employee ($millions) | 3.8877% | 4,164 |
| Cash dividends to net income (ytd only)* | 20.7972% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8854% | 45 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 29.0457% | 5,659 |
| Net loans and leases to deposits | 33.4862% | 5,685 |
| Net loans and leases to core deposits | 35.1542% | 5,692 |
| Total domestic deposits to total assets | 86.7393% | 2,267 |
| Equity capital to assets | 11.1275% | 2,505 |
| Core capital (leverage) ratio | 10.7938% | 2,537 |
| Tier 1 risk-based capital ratio | 19.2664% | 1,530 |
| Total risk-based capital ratio | 20.5333% | 1,487 |
| Memoranda: | ||
| Average total assets | $60,367,800 | 5,133 |
| Average earning assets | $54,891,600 | 5,152 |
| Average equity | $6,551,600 | 5,175 |
| Average total loans | $16,083,400 | 5,639 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3490% | 5,125 |
| Cost of funding earning assets | 0.1368% | 5,571 |
| Net interest margin | 3.2122% | 4,460 |
| Noninterest income to average assets | 0.6526% | 2,405 |
| Noninterest expense to average assets | 2.5229% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9972% | 2,447 |
| Return on assets (ROA) | 1.0424% | 2,357 |
| Pretax return on assets | 1.1081% | 3,199 |
| Return on Equity (ROE) | 9.6639% | 2,201 |
| Retained earnings to average equity (ytd only) | 9.6639% | 651 |
| Net charge-offs to loans | 0.0085% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 485.2030% | 184 |
| Efficiency ratio | 70.4156% | 2,832 |
| Assets per employee ($millions) | 4.0198% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2023% | 40 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 26.2318% | 5,792 |
| Net loans and leases to deposits | 30.2903% | 5,809 |
| Net loans and leases to core deposits | 31.7496% | 5,809 |
| Total domestic deposits to total assets | 86.6013% | 2,084 |
| Equity capital to assets | 11.3671% | 2,636 |
| Core capital (leverage) ratio | 10.9570% | 2,497 |
| Tier 1 risk-based capital ratio | 20.1500% | 1,419 |
| Total risk-based capital ratio | 21.4179% | 1,379 |
| Memoranda: | ||
| Average total assets | $60,881,000 | 5,167 |
| Average earning assets | $55,537,000 | 5,182 |
| Average equity | $6,567,250 | 5,223 |
| Average total loans | $15,652,250 | 5,707 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2383% | 5,378 |
| Cost of funding earning assets | 0.1324% | 5,672 |
| Net interest margin | 3.1059% | 4,817 |
| Noninterest income to average assets | 0.6713% | 2,267 |
| Noninterest expense to average assets | 2.6263% | 3,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7913% | 3,350 |
| Return on assets (ROA) | 0.8088% | 3,401 |
| Pretax return on assets | 0.9071% | 3,929 |
| Return on Equity (ROE) | 7.6333% | 3,183 |
| Retained earnings to average equity (ytd only) | 7.6333% | 1,322 |
| Net charge-offs to loans | 0.0392% | 2,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 90.3333% | 633 |
| Efficiency ratio | 74.7437% | 2,254 |
| Assets per employee ($millions) | 4.0651% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5817% | 34 |
| Loan loss allowance to noncurrent loans | 816.9811% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 4,805 |
| Noncurrent loans to loans | 0.6832% | 3,024 |
| Net loans and leases to total assets | 24.0242% | 5,893 |
| Net loans and leases to deposits | 27.8366% | 5,909 |
| Net loans and leases to core deposits | 29.1667% | 5,905 |
| Total domestic deposits to total assets | 86.3044% | 2,267 |
| Equity capital to assets | 10.9191% | 3,151 |
| Core capital (leverage) ratio | 10.2930% | 3,204 |
| Tier 1 risk-based capital ratio | 19.8125% | 1,497 |
| Total risk-based capital ratio | 21.0789% | 1,461 |
| Memoranda: | ||
| Average total assets | $61,075,670 | 5,220 |
| Average earning assets | $55,893,670 | 5,223 |
| Average equity | $6,471,670 | 5,290 |
| Average total loans | $15,308,000 | 5,783 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1920% | 5,492 |
| Cost of funding earning assets | 0.1366% | 5,701 |
| Net interest margin | 3.0554% | 4,984 |
| Noninterest income to average assets | 0.4515% | 3,471 |
| Noninterest expense to average assets | 2.4671% | 4,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7656% | 3,412 |
| Return on assets (ROA) | 0.7656% | 3,522 |
| Pretax return on assets | 0.7656% | 4,323 |
| Return on Equity (ROE) | 7.3371% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.3371% | 1,735 |
| Net charge-offs to loans | -0.0263% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3158% | 2,133 |
| Assets per employee ($millions) | 4.1101% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6885% | 36 |
| Loan loss allowance to noncurrent loans | 820.7547% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 4,881 |
| Noncurrent loans to loans | 0.6931% | 3,113 |
| Net loans and leases to total assets | 23.3958% | 5,954 |
| Net loans and leases to deposits | 26.7488% | 5,965 |
| Net loans and leases to core deposits | 27.4617% | 5,967 |
| Total domestic deposits to total assets | 87.4651% | 1,952 |
| Equity capital to assets | 10.5349% | 3,447 |
| Core capital (leverage) ratio | 10.0650% | 3,453 |
| Tier 1 risk-based capital ratio | 20.2343% | 1,452 |
| Total risk-based capital ratio | 21.5028% | 1,424 |
| Memoranda: | ||
| Average total assets | $61,125,500 | 5,266 |
| Average earning assets | $55,639,500 | 5,279 |
| Average equity | $6,378,500 | 5,344 |
| Average total loans | $15,204,500 | 5,841 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2018% | 5,516 |
| Cost of funding earning assets | 0.1224% | 5,870 |
| Net interest margin | 3.0794% | 4,953 |
| Noninterest income to average assets | 0.6039% | 2,698 |
| Noninterest expense to average assets | 2.9532% | 2,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4814% | 4,760 |
| Return on assets (ROA) | 0.5046% | 4,762 |
| Pretax return on assets | 0.5046% | 5,104 |
| Return on Equity (ROE) | 4.8264% | 4,590 |
| Retained earnings to average equity (ytd only) | 2.9275% | 3,973 |
| Net charge-offs to loans | -0.0624% | 5,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9827% | 992 |
| Assets per employee ($millions) | 4.0399% | 3,860 |
| Cash dividends to net income (ytd only)* | 39.3443% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7493% | 36 |
| Loan loss allowance to noncurrent loans | 819.8113% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 4,904 |
| Noncurrent loans to loans | 0.7013% | 3,095 |
| Net loans and leases to total assets | 23.5086% | 6,014 |
| Net loans and leases to deposits | 26.8955% | 6,024 |
| Net loans and leases to core deposits | 27.6257% | 6,025 |
| Total domestic deposits to total assets | 87.4074% | 1,922 |
| Equity capital to assets | 10.3335% | 3,590 |
| Core capital (leverage) ratio | 9.8264% | 3,741 |
| Tier 1 risk-based capital ratio | 21.0585% | 1,288 |
| Total risk-based capital ratio | 22.3285% | 1,265 |
| Memoranda: | ||
| Average total assets | $60,442,800 | 5,310 |
| Average earning assets | $55,563,000 | 5,305 |
| Average equity | $6,319,400 | 5,370 |
| Average total loans | $14,414,400 | 5,909 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1951% | 5,590 |
| Cost of funding earning assets | 0.1240% | 5,952 |
| Net interest margin | 3.0712% | 5,033 |
| Noninterest income to average assets | 0.6313% | 2,578 |
| Noninterest expense to average assets | 2.4810% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9295% | 2,808 |
| Return on assets (ROA) | 0.9668% | 2,721 |
| Pretax return on assets | 1.0330% | 3,490 |
| Return on Equity (ROE) | 9.2203% | 2,455 |
| Retained earnings to average equity (ytd only) | 9.2203% | 822 |
| Net charge-offs to loans | -0.0749% | 5,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4104% | 2,975 |
| Assets per employee ($millions) | 3.9969% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0057% | 36 |
| Loan loss allowance to noncurrent loans | 818.8679% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 5,046 |
| Noncurrent loans to loans | 0.7334% | 3,133 |
| Net loans and leases to total assets | 22.6594% | 6,109 |
| Net loans and leases to deposits | 26.1582% | 6,128 |
| Net loans and leases to core deposits | 26.8829% | 6,128 |
| Total domestic deposits to total assets | 86.6245% | 2,225 |
| Equity capital to assets | 11.0587% | 2,953 |
| Core capital (leverage) ratio | 10.1966% | 3,375 |
| Tier 1 risk-based capital ratio | 23.1541% | 1,036 |
| Total risk-based capital ratio | 24.4280% | 1,019 |
| Memoranda: | ||
| Average total assets | $60,403,750 | 5,379 |
| Average earning assets | $55,916,750 | 5,363 |
| Average equity | $6,333,750 | 5,432 |
| Average total loans | $14,239,250 | 5,991 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1631% | 5,669 |
| Cost of funding earning assets | 0.1247% | 6,018 |
| Net interest margin | 3.0384% | 5,124 |
| Noninterest income to average assets | 0.6573% | 2,435 |
| Noninterest expense to average assets | 2.6654% | 3,706 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7166% | 3,811 |
| Return on assets (ROA) | 0.7696% | 3,639 |
| Pretax return on assets | 0.8686% | 4,075 |
| Return on Equity (ROE) | 7.4739% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.4739% | 1,490 |
| Net charge-offs to loans | 0.0565% | 2,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 61.2500% | 832 |
| Efficiency ratio | 76.7110% | 2,247 |
| Assets per employee ($millions) | 4.1336% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8662% | 43 |
| Loan loss allowance to noncurrent loans | 792.5926% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 5,180 |
| Noncurrent loans to loans | 0.7401% | 3,260 |
| Net loans and leases to total assets | 22.1534% | 6,190 |
| Net loans and leases to deposits | 25.3348% | 6,207 |
| Net loans and leases to core deposits | 26.0063% | 6,205 |
| Total domestic deposits to total assets | 87.4427% | 1,932 |
| Equity capital to assets | 10.3106% | 3,678 |
| Core capital (leverage) ratio | 9.3429% | 4,499 |
| Tier 1 risk-based capital ratio | 20.7418% | 1,417 |
| Total risk-based capital ratio | 22.0138% | 1,387 |
| Memoranda: | ||
| Average total assets | $60,554,000 | 5,434 |
| Average earning assets | $56,147,330 | 5,410 |
| Average equity | $6,235,000 | 5,497 |
| Average total loans | $14,168,000 | 6,058 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1754% | 5,688 |
| Cost of funding earning assets | 0.1371% | 6,015 |
| Net interest margin | 3.0383% | 5,108 |
| Noninterest income to average assets | 0.5148% | 3,188 |
| Noninterest expense to average assets | 2.6810% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6485% | 4,054 |
| Return on assets (ROA) | 0.7622% | 3,605 |
| Pretax return on assets | 0.7622% | 4,381 |
| Return on Equity (ROE) | 7.4074% | 3,270 |
| Retained earnings to average equity (ytd only) | 7.4074% | 1,807 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5221% | 1,827 |
| Assets per employee ($millions) | 4.1233% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1565% | 35 |
| Loan loss allowance to noncurrent loans | 710.7438% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 5,170 |
| Noncurrent loans to loans | 0.8662% | 3,079 |
| Net loans and leases to total assets | 21.1948% | 6,256 |
| Net loans and leases to deposits | 24.1543% | 6,272 |
| Net loans and leases to core deposits | 24.7938% | 6,270 |
| Total domestic deposits to total assets | 87.7478% | 1,955 |
| Equity capital to assets | 10.0453% | 4,097 |
| Core capital (leverage) ratio | 9.2249% | 4,681 |
| Tier 1 risk-based capital ratio | 29.2357% | 584 |
| Total risk-based capital ratio | 34.1832% | 423 |
| Memoranda: | ||
| Average total assets | $59,829,000 | 5,505 |
| Average earning assets | $55,426,000 | 5,477 |
| Average equity | $6,156,000 | 5,564 |
| Average total loans | $13,956,000 | 6,117 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 4,482 |
| Cost of funding earning assets | 0.1432% | 6,138 |
| Net interest margin | 3.6603% | 3,179 |
| Noninterest income to average assets | 0.6206% | 2,734 |
| Noninterest expense to average assets | 3.1506% | 2,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7780% | 3,480 |
| Return on assets (ROA) | 0.7780% | 3,573 |
| Pretax return on assets | 0.8403% | 4,107 |
| Return on Equity (ROE) | 7.0876% | 3,582 |
| Retained earnings to average equity (ytd only) | 5.3365% | 2,380 |
| Net charge-offs to loans | -0.0789% | 6,058 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9450% | 2,070 |
| Assets per employee ($millions) | 3.8539% | 4,246 |
| Cash dividends to net income (ytd only)* | 24.7059% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1680% | 35 |
| Loan loss allowance to noncurrent loans | 741.3793% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 5,220 |
| Noncurrent loans to loans | 0.8320% | 3,233 |
| Net loans and leases to total assets | 22.6318% | 6,337 |
| Net loans and leases to deposits | 26.0001% | 6,348 |
| Net loans and leases to core deposits | 26.7442% | 6,346 |
| Total domestic deposits to total assets | 87.0450% | 2,257 |
| Equity capital to assets | 10.5504% | 3,417 |
| Core capital (leverage) ratio | 10.1836% | 3,331 |
| Tier 1 risk-based capital ratio | 20.2782% | 1,536 |
| Total risk-based capital ratio | 21.5486% | 1,505 |
| Memoranda: | ||
| Average total assets | $54,624,800 | 5,685 |
| Average earning assets | $50,296,800 | 5,668 |
| Average equity | $5,996,400 | 5,621 |
| Average total loans | $12,675,000 | 6,241 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 4,124 |
| Cost of funding earning assets | 0.1505% | 6,183 |
| Net interest margin | 3.7625% | 2,766 |
| Noninterest income to average assets | 0.6514% | 2,568 |
| Noninterest expense to average assets | 2.7742% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1155% | 1,968 |
| Return on assets (ROA) | 1.1196% | 2,025 |
| Pretax return on assets | 1.3499% | 2,196 |
| Return on Equity (ROE) | 10.0934% | 2,173 |
| Retained earnings to average equity (ytd only) | 10.0934% | 682 |
| Net charge-offs to loans | -0.0647% | 6,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3482% | 3,977 |
| Assets per employee ($millions) | 3.8726% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5574% | 36 |
| Loan loss allowance to noncurrent loans | 491.9540% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 5,065 |
| Noncurrent loans to loans | 1.3329% | 2,415 |
| Net loans and leases to total assets | 20.9988% | 6,434 |
| Net loans and leases to deposits | 24.1573% | 6,445 |
| Net loans and leases to core deposits | 24.8462% | 6,447 |
| Total domestic deposits to total assets | 86.9252% | 2,362 |
| Equity capital to assets | 10.6216% | 3,407 |
| Core capital (leverage) ratio | 10.5769% | 2,950 |
| Tier 1 risk-based capital ratio | 21.6534% | 1,314 |
| Total risk-based capital ratio | 22.9250% | 1,291 |
| Memoranda: | ||
| Average total assets | $53,829,000 | 5,760 |
| Average earning assets | $49,611,750 | 5,751 |
| Average equity | $5,970,750 | 5,686 |
| Average total loans | $12,358,000 | 6,317 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 3,283 |
| Cost of funding earning assets | 0.1608% | 6,192 |
| Net interest margin | 3.9542% | 1,947 |
| Noninterest income to average assets | 0.7327% | 2,131 |
| Noninterest expense to average assets | 2.8468% | 3,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1906% | 1,620 |
| Return on assets (ROA) | 1.1906% | 1,688 |
| Pretax return on assets | 1.5455% | 1,407 |
| Return on Equity (ROE) | 10.5685% | 1,910 |
| Retained earnings to average equity (ytd only) | 10.5685% | 601 |
| Net charge-offs to loans | -0.1814% | 6,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8132% | 4,564 |
| Assets per employee ($millions) | 3.6379% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6481% | 35 |
| Loan loss allowance to noncurrent loans | 2,460.0000% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 5,943 |
| Noncurrent loans to loans | 0.2702% | 5,203 |
| Net loans and leases to total assets | 22.1558% | 6,484 |
| Net loans and leases to deposits | 25.6933% | 6,496 |
| Net loans and leases to core deposits | 26.4812% | 6,488 |
| Total domestic deposits to total assets | 86.2319% | 2,912 |
| Equity capital to assets | 11.1457% | 2,737 |
| Core capital (leverage) ratio | 10.9203% | 2,506 |
| Tier 1 risk-based capital ratio | 21.1773% | 1,418 |
| Total risk-based capital ratio | 22.4485% | 1,382 |
| Memoranda: | ||
| Average total assets | $52,409,000 | 5,849 |
| Average earning assets | $48,505,000 | 5,825 |
| Average equity | $5,904,330 | 5,736 |
| Average total loans | $12,126,000 | 6,378 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6334% | 5,056 |
| Cost of funding earning assets | 0.1948% | 6,044 |
| Net interest margin | 3.4386% | 3,944 |
| Noninterest income to average assets | 0.4754% | 3,598 |
| Noninterest expense to average assets | 2.8366% | 3,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8027% | 3,140 |
| Return on assets (ROA) | 0.7949% | 3,254 |
| Pretax return on assets | 0.7949% | 4,133 |
| Return on Equity (ROE) | 7.0157% | 3,470 |
| Retained earnings to average equity (ytd only) | 7.0157% | 2,041 |
| Net charge-offs to loans | -0.1024% | 6,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9443% | 2,482 |
| Assets per employee ($millions) | 3.5467% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2460% | 26 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 6,285 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 20.5244% | 6,568 |
| Net loans and leases to deposits | 23.7814% | 6,578 |
| Net loans and leases to core deposits | 24.5294% | 6,575 |
| Total domestic deposits to total assets | 86.3045% | 3,208 |
| Equity capital to assets | 11.1786% | 2,548 |
| Core capital (leverage) ratio | 10.8087% | 2,587 |
| Tier 1 risk-based capital ratio | 21.8405% | 1,318 |
| Total risk-based capital ratio | 23.1163% | 1,289 |
| Memoranda: | ||
| Average total assets | $51,329,500 | 5,930 |
| Average earning assets | $47,229,000 | 5,913 |
| Average equity | $5,815,500 | 5,797 |
| Average total loans | $11,713,500 | 6,453 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 1,800 |
| Cost of funding earning assets | 0.1967% | 6,309 |
| Net interest margin | 4.4233% | 870 |
| Noninterest income to average assets | 0.9115% | 1,642 |
| Noninterest expense to average assets | 3.4824% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1960% | 1,583 |
| Return on assets (ROA) | 1.1927% | 1,664 |
| Pretax return on assets | 1.4620% | 1,575 |
| Return on Equity (ROE) | 10.3449% | 1,976 |
| Retained earnings to average equity (ytd only) | 8.5285% | 898 |
| Net charge-offs to loans | -0.1216% | 6,526 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3748% | 3,780 |
| Assets per employee ($millions) | 3.2973% | 5,300 |
| Cash dividends to net income (ytd only)* | 17.5585% | 3,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2930% | 23 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 6,375 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 21.8464% | 6,638 |
| Net loans and leases to deposits | 25.5486% | 6,644 |
| Net loans and leases to core deposits | 26.4233% | 6,643 |
| Total domestic deposits to total assets | 85.5092% | 3,502 |
| Equity capital to assets | 11.4923% | 2,168 |
| Core capital (leverage) ratio | 11.0049% | 2,381 |
| Tier 1 risk-based capital ratio | 21.0126% | 1,417 |
| Total risk-based capital ratio | 22.2898% | 1,393 |
| Memoranda: | ||
| Average total assets | $50,137,800 | 6,013 |
| Average earning assets | $45,757,600 | 5,999 |
| Average equity | $5,780,600 | 5,865 |
| Average total loans | $12,334,400 | 6,507 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8314% | 1,284 |
| Cost of funding earning assets | 0.2091% | 6,363 |
| Net interest margin | 4.6223% | 591 |
| Noninterest income to average assets | 0.8561% | 1,909 |
| Noninterest expense to average assets | 2.7298% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7823% | 543 |
| Return on assets (ROA) | 1.7863% | 563 |
| Pretax return on assets | 2.3508% | 298 |
| Return on Equity (ROE) | 15.4811% | 720 |
| Retained earnings to average equity (ytd only) | 15.4811% | 178 |
| Net charge-offs to loans | -0.1706% | 6,621 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7859% | 6,121 |
| Assets per employee ($millions) | 3.3119% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0517% | 27 |
| Loan loss allowance to noncurrent loans | 21,275.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 6,420 |
| Noncurrent loans to loans | 0.0331% | 6,241 |
| Net loans and leases to total assets | 22.5794% | 6,708 |
| Net loans and leases to deposits | 26.4864% | 6,718 |
| Net loans and leases to core deposits | 27.3919% | 6,718 |
| Total domestic deposits to total assets | 85.2490% | 3,615 |
| Equity capital to assets | 11.8141% | 2,037 |
| Core capital (leverage) ratio | 11.4411% | 2,091 |
| Tier 1 risk-based capital ratio | 20.8557% | 1,520 |
| Total risk-based capital ratio | 22.1297% | 1,489 |
| Memoranda: | ||
| Average total assets | $50,307,500 | 6,079 |
| Average earning assets | $45,920,750 | 6,058 |
| Average equity | $5,804,750 | 5,931 |
| Average total loans | $12,504,250 | 6,566 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1323% | 724 |
| Cost of funding earning assets | 0.2284% | 6,317 |
| Net interest margin | 4.9039% | 365 |
| Noninterest income to average assets | 0.9225% | 1,739 |
| Noninterest expense to average assets | 2.6803% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9068% | 422 |
| Return on assets (ROA) | 1.9122% | 451 |
| Pretax return on assets | 2.7555% | 193 |
| Return on Equity (ROE) | 16.7032% | 579 |
| Retained earnings to average equity (ytd only) | 16.7032% | 169 |
| Net charge-offs to loans | -0.1581% | 6,605 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3800% | 6,462 |
| Assets per employee ($millions) | 3.3167% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8890% | 30 |
| Loan loss allowance to noncurrent loans | 9,388.8889% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 6,427 |
| Noncurrent loans to loans | 0.0734% | 6,172 |
| Net loans and leases to total assets | 22.9568% | 6,743 |
| Net loans and leases to deposits | 26.9192% | 6,755 |
| Net loans and leases to core deposits | 28.0222% | 6,752 |
| Total domestic deposits to total assets | 85.2804% | 3,751 |
| Equity capital to assets | 11.6824% | 2,143 |
| Core capital (leverage) ratio | 10.5767% | 2,796 |
| Tier 1 risk-based capital ratio | 20.1746% | 1,686 |
| Total risk-based capital ratio | 21.4461% | 1,652 |
| Memoranda: | ||
| Average total assets | $50,517,330 | 6,117 |
| Average earning assets | $46,411,670 | 6,087 |
| Average equity | $5,783,330 | 5,977 |
| Average total loans | $12,649,670 | 6,609 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1651% | 3,444 |
| Cost of funding earning assets | 0.2720% | 6,147 |
| Net interest margin | 3.8931% | 2,145 |
| Noninterest income to average assets | 0.7151% | 2,511 |
| Noninterest expense to average assets | 2.7111% | 4,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6031% | 707 |
| Return on assets (ROA) | 1.6110% | 753 |
| Pretax return on assets | 1.6110% | 1,285 |
| Return on Equity (ROE) | 14.2139% | 925 |
| Retained earnings to average equity (ytd only) | 14.2139% | 430 |
| Net charge-offs to loans | -0.1557% | 6,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8415% | 5,173 |
| Assets per employee ($millions) | 3.4475% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4442% | 57 |
| Loan loss allowance to noncurrent loans | 3,500.0000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 6,423 |
| Noncurrent loans to loans | 0.1841% | 5,945 |
| Net loans and leases to total assets | 23.5825% | 6,783 |
| Net loans and leases to deposits | 27.3412% | 6,795 |
| Net loans and leases to core deposits | 28.4047% | 6,790 |
| Total domestic deposits to total assets | 86.2527% | 3,384 |
| Equity capital to assets | 11.3030% | 2,632 |
| Core capital (leverage) ratio | 10.1592% | 3,200 |
| Tier 1 risk-based capital ratio | 19.1917% | 1,983 |
| Total risk-based capital ratio | 20.4633% | 1,955 |
| Memoranda: | ||
| Average total assets | $50,901,000 | 6,159 |
| Average earning assets | $47,057,500 | 6,130 |
| Average equity | $5,769,000 | 6,040 |
| Average total loans | $12,841,500 | 6,666 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 3,442 |
| Cost of funding earning assets | 0.2611% | 6,625 |
| Net interest margin | 4.2283% | 1,583 |
| Noninterest income to average assets | 0.7961% | 2,277 |
| Noninterest expense to average assets | 3.9483% | 1,042 |
| Loan and lease loss provision to assets | -2.1342% | 7,080 |
| Net operating income to assets | 2.1738% | 268 |
| Return on assets (ROA) | 2.1705% | 296 |
| Pretax return on assets | 2.8492% | 162 |
| Return on Equity (ROE) | 18.9505% | 361 |
| Retained earnings to average equity (ytd only) | 11.4970% | 377 |
| Net charge-offs to loans | -6.2973% | 7,040 |
| Credit loss provision to net charge-offs | 125.9446% | 2,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5908% | 1,561 |
| Assets per employee ($millions) | 3.3393% | 5,348 |
| Cash dividends to net income (ytd only)* | 39.3314% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6018% | 48 |
| Loan loss allowance to noncurrent loans | 6,958.3333% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 6,562 |
| Noncurrent loans to loans | 0.0949% | 6,249 |
| Net loans and leases to total assets | 23.5835% | 6,867 |
| Net loans and leases to deposits | 27.5747% | 6,884 |
| Net loans and leases to core deposits | 28.4171% | 6,879 |
| Total domestic deposits to total assets | 85.5261% | 3,598 |
| Equity capital to assets | 11.3655% | 2,572 |
| Core capital (leverage) ratio | 10.2855% | 3,031 |
| Tier 1 risk-based capital ratio | 18.7414% | 2,032 |
| Total risk-based capital ratio | 20.0149% | 1,986 |
| Memoranda: | ||
| Average total assets | $46,855,200 | 6,298 |
| Average earning assets | $42,901,400 | 6,276 |
| Average equity | $5,366,600 | 6,188 |
| Average total loans | $12,608,600 | 6,752 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 3,330 |
| Cost of funding earning assets | 0.2726% | 6,721 |
| Net interest margin | 4.2986% | 1,464 |
| Noninterest income to average assets | 0.8455% | 2,055 |
| Noninterest expense to average assets | 3.2865% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2740% | 1,508 |
| Return on assets (ROA) | 1.2740% | 1,659 |
| Pretax return on assets | 1.4854% | 1,934 |
| Return on Equity (ROE) | 11.1003% | 1,921 |
| Retained earnings to average equity (ytd only) | 11.1003% | 664 |
| Net charge-offs to loans | -7.6514% | 7,138 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8714% | 3,898 |
| Assets per employee ($millions) | 3.1853% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.1514% | 7 |
| Loan loss allowance to noncurrent loans | 1,680.0000% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 6,112 |
| Noncurrent loans to loans | 0.7828% | 4,845 |
| Net loans and leases to total assets | 24.3810% | 6,960 |
| Net loans and leases to deposits | 28.5040% | 6,977 |
| Net loans and leases to core deposits | 29.2189% | 6,977 |
| Total domestic deposits to total assets | 85.5355% | 3,492 |
| Equity capital to assets | 11.7060% | 2,530 |
| Core capital (leverage) ratio | 10.3851% | 3,055 |
| Tier 1 risk-based capital ratio | 19.1223% | 1,972 |
| Total risk-based capital ratio | 20.4439% | 1,924 |
| Memoranda: | ||
| Average total assets | $46,046,500 | 6,399 |
| Average earning assets | $42,059,500 | 6,371 |
| Average equity | $5,285,000 | 6,280 |
| Average total loans | $12,598,750 | 6,844 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 3,308 |
| Cost of funding earning assets | 0.2940% | 6,761 |
| Net interest margin | 4.3179% | 1,434 |
| Noninterest income to average assets | 0.9061% | 1,763 |
| Noninterest expense to average assets | 3.3297% | 2,218 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1964% | 1,730 |
| Return on assets (ROA) | 1.1964% | 1,928 |
| Pretax return on assets | 1.5175% | 1,807 |
| Return on Equity (ROE) | 10.4972% | 2,168 |
| Retained earnings to average equity (ytd only) | 10.4972% | 852 |
| Net charge-offs to loans | -2.3525% | 7,192 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6933% | 4,002 |
| Assets per employee ($millions) | 2.9914% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2512% | 19 |
| Loan loss allowance to noncurrent loans | 1,108.4112% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 6,136 |
| Noncurrent loans to loans | 0.8346% | 4,844 |
| Net loans and leases to total assets | 25.9277% | 6,983 |
| Net loans and leases to deposits | 30.5050% | 6,996 |
| Net loans and leases to core deposits | 31.3264% | 7,003 |
| Total domestic deposits to total assets | 84.9948% | 3,866 |
| Equity capital to assets | 12.0501% | 2,117 |
| Core capital (leverage) ratio | 10.0552% | 3,346 |
| Tier 1 risk-based capital ratio | 18.9515% | 1,981 |
| Total risk-based capital ratio | 20.2450% | 1,951 |
| Memoranda: | ||
| Average total assets | $45,469,000 | 6,451 |
| Average earning assets | $41,501,330 | 6,427 |
| Average equity | $5,182,330 | 6,342 |
| Average total loans | $12,327,330 | 6,909 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7524% | 2,839 |
| Cost of funding earning assets | 0.3360% | 6,700 |
| Net interest margin | 4.4164% | 1,189 |
| Noninterest income to average assets | 0.6293% | 3,062 |
| Noninterest expense to average assets | 3.1813% | 2,666 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4683% | 1,088 |
| Return on assets (ROA) | 1.4683% | 1,217 |
| Pretax return on assets | 1.4683% | 1,969 |
| Return on Equity (ROE) | 13.2544% | 1,333 |
| Retained earnings to average equity (ytd only) | 13.2544% | 648 |
| Net charge-offs to loans | 3.3441% | 198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.6634% | 3,493 |
| Efficiency ratio | 68.4211% | 4,086 |
| Assets per employee ($millions) | 3.1247% | 5,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7532% | 37 |
| Loan loss allowance to noncurrent loans | 862.3853% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 6,267 |
| Noncurrent loans to loans | 0.8990% | 4,868 |
| Net loans and leases to total assets | 23.8617% | 7,083 |
| Net loans and leases to deposits | 27.6148% | 7,099 |
| Net loans and leases to core deposits | 28.3139% | 7,098 |
| Total domestic deposits to total assets | 86.4092% | 3,299 |
| Equity capital to assets | 10.9814% | 2,925 |
| Core capital (leverage) ratio | 10.0626% | 3,296 |
| Tier 1 risk-based capital ratio | 19.2202% | 1,927 |
| Total risk-based capital ratio | 20.5032% | 1,888 |
| Memoranda: | ||
| Average total assets | $45,768,000 | 6,488 |
| Average earning assets | $41,663,000 | 6,464 |
| Average equity | $5,070,000 | 6,407 |
| Average total loans | $12,081,000 | 6,983 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0469% | 2,673 |
| Cost of funding earning assets | 0.3618% | 6,979 |
| Net interest margin | 4.6851% | 775 |
| Noninterest income to average assets | 0.8833% | 1,731 |
| Noninterest expense to average assets | 4.1658% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7742% | 3,160 |
| Return on assets (ROA) | 0.8051% | 3,180 |
| Pretax return on assets | 1.0167% | 3,177 |
| Return on Equity (ROE) | 7.1815% | 3,315 |
| Retained earnings to average equity (ytd only) | 5.0271% | 2,620 |
| Net charge-offs to loans | -0.4040% | 7,267 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9928% | 2,162 |
| Assets per employee ($millions) | 2.9777% | 6,137 |
| Cash dividends to net income (ytd only)* | 30.0000% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6476% | 24 |
| Loan loss allowance to noncurrent loans | 477.5229% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 5,567 |
| Noncurrent loans to loans | 1.8109% | 3,453 |
| Net loans and leases to total assets | 24.6205% | 7,147 |
| Net loans and leases to deposits | 28.6978% | 7,159 |
| Net loans and leases to core deposits | 29.4668% | 7,162 |
| Total domestic deposits to total assets | 85.7923% | 3,431 |
| Equity capital to assets | 11.1785% | 2,816 |
| Core capital (leverage) ratio | 9.7754% | 3,641 |
| Tier 1 risk-based capital ratio | 18.8273% | 1,952 |
| Total risk-based capital ratio | 20.1147% | 1,898 |
| Memoranda: | ||
| Average total assets | $43,473,200 | 6,554 |
| Average earning assets | $39,529,600 | 6,549 |
| Average equity | $4,873,600 | 6,484 |
| Average total loans | $13,118,200 | 6,990 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1405% | 2,424 |
| Cost of funding earning assets | 0.3808% | 7,057 |
| Net interest margin | 4.7598% | 677 |
| Noninterest income to average assets | 0.9141% | 1,600 |
| Noninterest expense to average assets | 3.7027% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4702% | 1,007 |
| Return on assets (ROA) | 1.4761% | 1,071 |
| Pretax return on assets | 1.5410% | 1,543 |
| Return on Equity (ROE) | 13.1576% | 1,237 |
| Retained earnings to average equity (ytd only) | 13.1576% | 365 |
| Net charge-offs to loans | -0.6971% | 7,366 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6958% | 3,813 |
| Assets per employee ($millions) | 2.9517% | 6,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2961% | 27 |
| Loan loss allowance to noncurrent loans | 777.9412% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 5,811 |
| Noncurrent loans to loans | 1.0664% | 4,782 |
| Net loans and leases to total assets | 26.4139% | 7,184 |
| Net loans and leases to deposits | 30.9785% | 7,197 |
| Net loans and leases to core deposits | 31.8214% | 7,205 |
| Total domestic deposits to total assets | 85.2652% | 3,638 |
| Equity capital to assets | 11.8823% | 2,347 |
| Core capital (leverage) ratio | 10.5517% | 2,807 |
| Tier 1 risk-based capital ratio | 20.2296% | 1,633 |
| Total risk-based capital ratio | 21.5208% | 1,591 |
| Memoranda: | ||
| Average total assets | $43,175,000 | 6,620 |
| Average earning assets | $39,216,750 | 6,620 |
| Average equity | $4,843,750 | 6,549 |
| Average total loans | $13,388,250 | 7,046 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1636% | 2,402 |
| Cost of funding earning assets | 0.4024% | 7,118 |
| Net interest margin | 4.7612% | 644 |
| Noninterest income to average assets | 0.9905% | 1,349 |
| Noninterest expense to average assets | 3.8638% | 1,256 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3419% | 1,212 |
| Return on assets (ROA) | 1.3549% | 1,252 |
| Pretax return on assets | 1.4530% | 1,659 |
| Return on Equity (ROE) | 12.3282% | 1,402 |
| Retained earnings to average equity (ytd only) | 12.3282% | 481 |
| Net charge-offs to loans | -0.0294% | 6,916 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8634% | 3,572 |
| Assets per employee ($millions) | 2.8985% | 6,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5205% | 42 |
| Loan loss allowance to noncurrent loans | 95.4677% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 2.5899% | 2,567 |
| Noncurrent loans to loans | 7.8775% | 582 |
| Net loans and leases to total assets | 28.0010% | 7,240 |
| Net loans and leases to deposits | 32.6942% | 7,261 |
| Net loans and leases to core deposits | 33.5964% | 7,263 |
| Total domestic deposits to total assets | 85.6453% | 3,526 |
| Equity capital to assets | 11.4336% | 2,568 |
| Core capital (leverage) ratio | 10.0983% | 3,150 |
| Tier 1 risk-based capital ratio | 19.0770% | 1,819 |
| Total risk-based capital ratio | 20.3639% | 1,771 |
| Memoranda: | ||
| Average total assets | $42,808,000 | 6,686 |
| Average earning assets | $38,771,670 | 6,693 |
| Average equity | $4,704,670 | 6,623 |
| Average total loans | $13,600,000 | 7,106 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2795% | 1,936 |
| Cost of funding earning assets | 0.4460% | 7,122 |
| Net interest margin | 4.8335% | 532 |
| Noninterest income to average assets | 0.7628% | 2,206 |
| Noninterest expense to average assets | 3.8330% | 1,286 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3185% | 1,226 |
| Return on assets (ROA) | 1.3185% | 1,272 |
| Pretax return on assets | 1.3185% | 1,984 |
| Return on Equity (ROE) | 12.2498% | 1,392 |
| Retained earnings to average equity (ytd only) | 12.2498% | 700 |
| Net charge-offs to loans | 0.0289% | 4,693 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 222 |
| Efficiency ratio | 74.4059% | 3,441 |
| Assets per employee ($millions) | 2.9021% | 6,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3410% | 49 |
| Loan loss allowance to noncurrent loans | 90.3846% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 2.7129% | 2,540 |
| Noncurrent loans to loans | 8.1220% | 601 |
| Net loans and leases to total assets | 28.6180% | 7,279 |
| Net loans and leases to deposits | 33.1744% | 7,290 |
| Net loans and leases to core deposits | 34.0820% | 7,304 |
| Total domestic deposits to total assets | 86.2653% | 3,348 |
| Equity capital to assets | 10.7691% | 2,905 |
| Core capital (leverage) ratio | 11.0891% | 2,121 |
| Tier 1 risk-based capital ratio | 18.3554% | 2,004 |
| Total risk-based capital ratio | 19.6399% | 1,946 |
| Memoranda: | ||
| Average total assets | $42,473,500 | 6,739 |
| Average earning assets | $38,564,000 | 6,737 |
| Average equity | $4,571,500 | 6,691 |
| Average total loans | $13,818,000 | 7,149 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5632% | 2,039 |
| Cost of funding earning assets | 0.4070% | 7,421 |
| Net interest margin | 5.1562% | 313 |
| Noninterest income to average assets | 0.9691% | 1,611 |
| Noninterest expense to average assets | 3.9519% | 1,235 |
| Loan and lease loss provision to assets | 1.4610% | 1,019 |
| Net operating income to assets | 0.3263% | 4,845 |
| Return on assets (ROA) | 0.2898% | 5,132 |
| Pretax return on assets | 0.1777% | 5,532 |
| Return on Equity (ROE) | 2.7426% | 5,061 |
| Retained earnings to average equity (ytd only) | 2.7426% | 3,937 |
| Net charge-offs to loans | 0.3001% | 4,515 |
| Credit loss provision to net charge-offs | 1,395.3488% | 164 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,245 |
| Efficiency ratio | 70.2293% | 4,133 |
| Assets per employee ($millions) | 2.7610% | 6,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9622% | 60 |
| Loan loss allowance to noncurrent loans | 79.6774% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 3.2090% | 2,207 |
| Noncurrent loans to loans | 8.7379% | 546 |
| Net loans and leases to total assets | 31.8798% | 7,294 |
| Net loans and leases to deposits | 37.0746% | 7,325 |
| Net loans and leases to core deposits | 37.0746% | 7,372 |
| Total domestic deposits to total assets | 85.9882% | 3,363 |
| Equity capital to assets | 10.7570% | 2,898 |
| Core capital (leverage) ratio | 10.2390% | 2,827 |
| Tier 1 risk-based capital ratio | 17.5296% | 2,161 |
| Total risk-based capital ratio | 18.8137% | 2,113 |
| Memoranda: | ||
| Average total assets | $41,069,000 | 6,823 |
| Average earning assets | $37,101,200 | 6,836 |
| Average equity | $4,339,000 | 6,874 |
| Average total loans | $14,327,600 | 7,195 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5239% | 2,341 |
| Cost of funding earning assets | 0.4103% | 7,557 |
| Net interest margin | 5.1136% | 344 |
| Noninterest income to average assets | 1.0216% | 1,411 |
| Noninterest expense to average assets | 3.8454% | 1,287 |
| Loan and lease loss provision to assets | 1.9520% | 614 |
| Net operating income to assets | -0.1230% | 6,211 |
| Return on assets (ROA) | -0.1594% | 6,340 |
| Pretax return on assets | -0.1985% | 6,316 |
| Return on Equity (ROE) | -1.5158% | 6,342 |
| Retained earnings to average equity (ytd only) | -1.5158% | 6,100 |
| Net charge-offs to loans | 0.3992% | 3,689 |
| Credit loss provision to net charge-offs | 1,395.3488% | 220 |
| Earnings coverage of net charge-offs (x) | 12.8608% | 1,646 |
| Efficiency ratio | 68.1268% | 4,445 |
| Assets per employee ($millions) | 2.7499% | 6,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9529% | 63 |
| Loan loss allowance to noncurrent loans | 76.8872% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 3.7674% | 1,891 |
| Noncurrent loans to loans | 9.0429% | 529 |
| Net loans and leases to total assets | 32.0541% | 7,409 |
| Net loans and leases to deposits | 37.3661% | 7,440 |
| Net loans and leases to core deposits | 37.3661% | 7,476 |
| Total domestic deposits to total assets | 85.7839% | 3,198 |
| Equity capital to assets | 10.8900% | 3,066 |
| Core capital (leverage) ratio | 9.9144% | 3,341 |
| Tier 1 risk-based capital ratio | 17.4883% | 2,182 |
| Total risk-based capital ratio | 18.7754% | 2,137 |
| Memoranda: | ||
| Average total assets | $40,982,500 | 6,907 |
| Average earning assets | $37,050,250 | 6,918 |
| Average equity | $4,310,000 | 6,980 |
| Average total loans | $14,361,750 | 7,287 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5103% | 2,470 |
| Cost of funding earning assets | 0.4705% | 7,581 |
| Net interest margin | 5.0399% | 388 |
| Noninterest income to average assets | 1.0222% | 1,308 |
| Noninterest expense to average assets | 3.7659% | 1,425 |
| Loan and lease loss provision to assets | 2.9344% | 339 |
| Net operating income to assets | -1.0694% | 6,976 |
| Return on assets (ROA) | -1.2227% | 7,057 |
| Pretax return on assets | -1.2814% | 7,001 |
| Return on Equity (ROE) | -11.7666% | 7,033 |
| Retained earnings to average equity (ytd only) | -11.7666% | 6,991 |
| Net charge-offs to loans | 0.2359% | 4,190 |
| Credit loss provision to net charge-offs | 3,529.4118% | 112 |
| Earnings coverage of net charge-offs (x) | 21.8235% | 1,159 |
| Efficiency ratio | 67.4847% | 4,677 |
| Assets per employee ($millions) | 2.7589% | 6,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8150% | 61 |
| Loan loss allowance to noncurrent loans | 68.2828% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 3.7890% | 1,840 |
| Noncurrent loans to loans | 9.9805% | 446 |
| Net loans and leases to total assets | 33.5041% | 7,435 |
| Net loans and leases to deposits | 38.7323% | 7,474 |
| Net loans and leases to core deposits | 39.0850% | 7,507 |
| Total domestic deposits to total assets | 86.5017% | 2,818 |
| Equity capital to assets | 10.1443% | 3,839 |
| Core capital (leverage) ratio | 9.0930% | 4,471 |
| Tier 1 risk-based capital ratio | 16.2278% | 2,583 |
| Total risk-based capital ratio | 17.5151% | 2,520 |
| Memoranda: | ||
| Average total assets | $40,893,670 | 6,964 |
| Average earning assets | $36,985,000 | 6,968 |
| Average equity | $4,249,330 | 7,030 |
| Average total loans | $14,412,330 | 7,339 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 2,407 |
| Cost of funding earning assets | 0.5779% | 7,562 |
| Net interest margin | 4.9615% | 452 |
| Noninterest income to average assets | 0.8955% | 1,645 |
| Noninterest expense to average assets | 3.4048% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9681% | 366 |
| Return on assets (ROA) | 1.9877% | 386 |
| Pretax return on assets | 1.9877% | 619 |
| Return on Equity (ROE) | 18.9006% | 446 |
| Retained earnings to average equity (ytd only) | 18.9006% | 217 |
| Net charge-offs to loans | 0.4232% | 2,777 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,506 |
| Efficiency ratio | 63.3700% | 5,605 |
| Assets per employee ($millions) | 2.6083% | 7,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0090% | 815 |
| Loan loss allowance to noncurrent loans | 29.9281% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 3.5297% | 1,993 |
| Noncurrent loans to loans | 10.0542% | 418 |
| Net loans and leases to total assets | 32.1312% | 7,559 |
| Net loans and leases to deposits | 37.3416% | 7,594 |
| Net loans and leases to core deposits | 37.6774% | 7,626 |
| Total domestic deposits to total assets | 86.0467% | 3,137 |
| Equity capital to assets | 10.6465% | 3,095 |
| Core capital (leverage) ratio | 10.2633% | 2,853 |
| Tier 1 risk-based capital ratio | 17.6480% | 2,038 |
| Total risk-based capital ratio | 18.9044% | 2,010 |
| Memoranda: | ||
| Average total assets | $40,649,000 | 7,064 |
| Average earning assets | $36,682,500 | 7,070 |
| Average equity | $4,275,000 | 7,085 |
| Average total loans | $14,179,000 | 7,441 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6964% | 3,117 |
| Cost of funding earning assets | 0.6835% | 7,702 |
| Net interest margin | 5.0129% | 436 |
| Noninterest income to average assets | 0.9011% | 1,933 |
| Noninterest expense to average assets | 3.5396% | 2,295 |
| Loan and lease loss provision to assets | 2.3976% | 840 |
| Net operating income to assets | -0.5189% | 6,199 |
| Return on assets (ROA) | -0.6996% | 6,359 |
| Pretax return on assets | -0.6973% | 6,185 |
| Return on Equity (ROE) | -7.0439% | 6,387 |
| Retained earnings to average equity (ytd only) | -7.0439% | 6,243 |
| Net charge-offs to loans | 6.5902% | 141 |
| Credit loss provision to net charge-offs | 102.6786% | 5,375 |
| Earnings coverage of net charge-offs (x) | 0.8056% | 5,304 |
| Efficiency ratio | 65.2991% | 5,535 |
| Assets per employee ($millions) | 2.4729% | 7,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9657% | 797 |
| Loan loss allowance to noncurrent loans | 40.4695% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 2.9015% | 2,416 |
| Noncurrent loans to loans | 7.3281% | 732 |
| Net loans and leases to total assets | 35.6417% | 7,536 |
| Net loans and leases to deposits | 41.3937% | 7,584 |
| Net loans and leases to core deposits | 45.6582% | 7,673 |
| Total domestic deposits to total assets | 86.1042% | 2,962 |
| Equity capital to assets | 10.3801% | 3,315 |
| Core capital (leverage) ratio | 9.2836% | 4,000 |
| Tier 1 risk-based capital ratio | 15.8801% | 2,577 |
| Total risk-based capital ratio | 17.1380% | 2,504 |
| Memoranda: | ||
| Average total assets | $43,168,800 | 6,987 |
| Average earning assets | $38,919,600 | 6,983 |
| Average equity | $4,287,400 | 7,177 |
| Average total loans | $15,295,400 | 7,436 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6556% | 3,543 |
| Cost of funding earning assets | 0.7673% | 7,742 |
| Net interest margin | 4.8883% | 566 |
| Noninterest income to average assets | 0.9197% | 1,904 |
| Noninterest expense to average assets | 3.4218% | 2,505 |
| Loan and lease loss provision to assets | 0.9076% | 2,114 |
| Net operating income to assets | 0.9984% | 2,063 |
| Return on assets (ROA) | 0.9984% | 2,122 |
| Pretax return on assets | 1.0045% | 2,892 |
| Return on Equity (ROE) | 10.1556% | 1,862 |
| Retained earnings to average equity (ytd only) | 10.1556% | 611 |
| Net charge-offs to loans | -0.1722% | 7,964 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1520% | 5,722 |
| Assets per employee ($millions) | 2.5244% | 7,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6482% | 182 |
| Loan loss allowance to noncurrent loans | 35.0436% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 5.3033% | 1,096 |
| Noncurrent loans to loans | 13.2640% | 210 |
| Net loans and leases to total assets | 36.7715% | 7,591 |
| Net loans and leases to deposits | 43.7312% | 7,629 |
| Net loans and leases to core deposits | 48.4047% | 7,718 |
| Total domestic deposits to total assets | 84.0852% | 3,688 |
| Equity capital to assets | 11.7777% | 2,378 |
| Core capital (leverage) ratio | 10.2081% | 3,057 |
| Tier 1 risk-based capital ratio | 17.3077% | 2,179 |
| Total risk-based capital ratio | 18.5776% | 2,122 |
| Memoranda: | ||
| Average total assets | $44,069,500 | 6,996 |
| Average earning assets | $39,794,500 | 7,004 |
| Average equity | $4,332,500 | 7,239 |
| Average total loans | $15,486,000 | 7,492 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5025% | 4,613 |
| Cost of funding earning assets | 0.8477% | 7,763 |
| Net interest margin | 4.6548% | 864 |
| Noninterest income to average assets | 0.9361% | 1,813 |
| Noninterest expense to average assets | 3.3866% | 2,668 |
| Loan and lease loss provision to assets | 1.3246% | 1,303 |
| Net operating income to assets | 0.4195% | 4,424 |
| Return on assets (ROA) | 0.4195% | 4,534 |
| Pretax return on assets | 0.4195% | 4,881 |
| Return on Equity (ROE) | 4.5335% | 4,287 |
| Retained earnings to average equity (ytd only) | 4.5335% | 2,771 |
| Net charge-offs to loans | -0.0129% | 7,640 |
| Credit loss provision to net charge-offs | -30,000.0000% | 7,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0069% | 5,545 |
| Assets per employee ($millions) | 2.7289% | 6,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2753% | 208 |
| Loan loss allowance to noncurrent loans | 27.1676% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 6.0715% | 796 |
| Noncurrent loans to loans | 15.7368% | 116 |
| Net loans and leases to total assets | 36.1519% | 7,701 |
| Net loans and leases to deposits | 41.9591% | 7,756 |
| Net loans and leases to core deposits | 46.7150% | 7,822 |
| Total domestic deposits to total assets | 86.1599% | 2,702 |
| Equity capital to assets | 9.9856% | 3,959 |
| Core capital (leverage) ratio | 10.3866% | 2,913 |
| Tier 1 risk-based capital ratio | 17.3244% | 2,204 |
| Total risk-based capital ratio | 18.5140% | 2,158 |
| Memoranda: | ||
| Average total assets | $45,296,000 | 7,008 |
| Average earning assets | $40,817,670 | 7,023 |
| Average equity | $4,191,000 | 7,343 |
| Average total loans | $15,456,000 | 7,565 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7215% | 3,689 |
| Cost of funding earning assets | 1.1192% | 7,481 |
| Net interest margin | 4.6022% | 934 |
| Noninterest income to average assets | 0.7373% | 2,670 |
| Noninterest expense to average assets | 2.8626% | 4,291 |
| Loan and lease loss provision to assets | 2.6023% | 436 |
| Net operating income to assets | -0.5899% | 6,957 |
| Return on assets (ROA) | -0.5812% | 6,998 |
| Pretax return on assets | -0.5812% | 6,887 |
| Return on Equity (ROE) | -6.5262% | 7,108 |
| Retained earnings to average equity (ytd only) | -6.5262% | 6,745 |
| Net charge-offs to loans | -0.9104% | 8,153 |
| Credit loss provision to net charge-offs | -882.3529% | 6,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7189% | 6,587 |
| Assets per employee ($millions) | 2.6932% | 6,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7123% | 126 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 5.2679% | 829 |
| Noncurrent loans to loans | 14.1370% | 119 |
| Net loans and leases to total assets | 34.6314% | 7,782 |
| Net loans and leases to deposits | 39.8318% | 7,840 |
| Net loans and leases to core deposits | 44.7990% | 7,894 |
| Total domestic deposits to total assets | 86.9439% | 2,246 |
| Equity capital to assets | 9.4823% | 4,691 |
| Core capital (leverage) ratio | 9.0545% | 4,617 |
| Tier 1 risk-based capital ratio | 16.6334% | 2,470 |
| Total risk-based capital ratio | 17.9029% | 2,388 |
| Memoranda: | ||
| Average total assets | $46,112,500 | 7,024 |
| Average earning assets | $41,458,000 | 7,041 |
| Average equity | $4,106,500 | 7,414 |
| Average total loans | $14,939,000 | 7,637 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7691% | 6,536 |
| Cost of funding earning assets | 1.6447% | 7,363 |
| Net interest margin | 4.1244% | 2,606 |
| Noninterest income to average assets | 0.8313% | 2,341 |
| Noninterest expense to average assets | 3.9425% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5778% | 4,405 |
| Return on assets (ROA) | 0.5778% | 4,269 |
| Pretax return on assets | 0.5840% | 4,743 |
| Return on Equity (ROE) | 6.5396% | 3,733 |
| Retained earnings to average equity (ytd only) | 4.0696% | 2,595 |
| Net charge-offs to loans | 0.0069% | 6,860 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 281.0000% | 175 |
| Efficiency ratio | 87.0983% | 1,756 |
| Assets per employee ($millions) | 3.0709% | 5,862 |
| Cash dividends to net income (ytd only)* | 37.7698% | 3,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8417% | 497 |
| Loan loss allowance to noncurrent loans | 280.5556% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 6,414 |
| Noncurrent loans to loans | 1.0129% | 4,556 |
| Net loans and leases to total assets | 28.1129% | 8,032 |
| Net loans and leases to deposits | 31.6340% | 8,097 |
| Net loans and leases to core deposits | 37.0222% | 8,095 |
| Total domestic deposits to total assets | 88.8692% | 1,097 |
| Equity capital to assets | 8.3995% | 6,257 |
| Core capital (leverage) ratio | 8.7727% | 5,079 |
| Tier 1 risk-based capital ratio | 16.4702% | 2,496 |
| Total risk-based capital ratio | 17.7239% | 2,425 |
| Memoranda: | ||
| Average total assets | $48,117,200 | 6,855 |
| Average earning assets | $43,109,200 | 6,898 |
| Average equity | $4,251,000 | 7,414 |
| Average total loans | $14,445,800 | 7,682 |