Home > Amistad Bank > Performance and Condition Ratios
Amistad Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1639% | 518 |
| Cost of funding earning assets | 0.6390% | 4,017 |
| Net interest margin | 5.5249% | 180 |
| Noninterest income to average assets | 1.6600% | 334 |
| Noninterest expense to average assets | 3.5820% | 525 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 2.4767% | 244 |
| Return on assets (ROA) | 2.4767% | 238 |
| Pretax return on assets | 3.1326% | 180 |
| Return on Equity (ROE) | 17.7500% | 851 |
| Retained earnings to average equity (ytd only) | -0.5649% | 4,145 |
| Net charge-offs to loans | 0.0136% | 2,146 |
| Credit loss provision to net charge-offs | 500.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 372.7500% | 373 |
| Efficiency ratio | 53.0098% | 3,750 |
| Assets per employee ($millions) | 3.3770% | 4,317 |
| Cash dividends to net income (ytd only)* | 103.1814% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 1,041 |
| 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 | 65.3700% | 2,325 |
| Net loans and leases to deposits | 76.5457% | 2,396 |
| Net loans and leases to core deposits | 80.7593% | 2,664 |
| Total domestic deposits to total assets | 85.4000% | 2,187 |
| Equity capital to assets | 14.1159% | 661 |
| Core capital (leverage) ratio | 13.1092% | 1,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $46,957,400 | 4,341 |
| Average earning assets | $43,349,000 | 4,313 |
| Average equity | $6,550,400 | 4,107 |
| Average total loans | $29,327,000 | 4,148 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9157% | 591 |
| Cost of funding earning assets | 0.5777% | 4,010 |
| Net interest margin | 5.3380% | 216 |
| Noninterest income to average assets | 1.6900% | 346 |
| Noninterest expense to average assets | 3.6014% | 498 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 2.3413% | 310 |
| Return on assets (ROA) | 2.3413% | 301 |
| Pretax return on assets | 2.9616% | 245 |
| Return on Equity (ROE) | 16.8300% | 1,106 |
| Retained earnings to average equity (ytd only) | 16.8301% | 402 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.4111% | 3,557 |
| Assets per employee ($millions) | 3.6577% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 1,045 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 60.1500% | 2,829 |
| Net loans and leases to deposits | 71.1893% | 2,759 |
| Net loans and leases to core deposits | 74.7973% | 2,939 |
| Total domestic deposits to total assets | 84.4900% | 2,644 |
| Equity capital to assets | 14.8728% | 546 |
| Core capital (leverage) ratio | 15.1967% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $47,721,500 | 4,351 |
| Average earning assets | $44,085,250 | 4,323 |
| Average equity | $6,638,750 | 4,089 |
| Average total loans | $29,375,000 | 4,164 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7592% | 588 |
| Cost of funding earning assets | 0.5478% | 3,888 |
| Net interest margin | 5.2113% | 238 |
| Noninterest income to average assets | 1.5500% | 310 |
| Noninterest expense to average assets | 3.5162% | 531 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.1934% | 358 |
| Return on assets (ROA) | 2.1934% | 350 |
| Pretax return on assets | 2.7711% | 259 |
| Return on Equity (ROE) | 16.1400% | 1,240 |
| Retained earnings to average equity (ytd only) | 16.1371% | 461 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.1905% | 3,514 |
| Assets per employee ($millions) | 3.4545% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 1,193 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 64.9000% | 2,288 |
| Net loans and leases to deposits | 76.8896% | 2,227 |
| Net loans and leases to core deposits | 77.9257% | 2,618 |
| Total domestic deposits to total assets | 84.4100% | 2,720 |
| Equity capital to assets | 15.0485% | 520 |
| Core capital (leverage) ratio | 14.6337% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $47,778,667 | 4,368 |
| Average earning assets | $44,173,000 | 4,344 |
| Average equity | $6,494,333 | 4,136 |
| Average total loans | $29,485,333 | 4,170 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5460% | 576 |
| Cost of funding earning assets | 0.4461% | 3,845 |
| Net interest margin | 5.0999% | 257 |
| Noninterest income to average assets | 1.3700% | 367 |
| Noninterest expense to average assets | 3.2999% | 701 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 2.0888% | 435 |
| Return on assets (ROA) | 2.0888% | 429 |
| Pretax return on assets | 2.6415% | 305 |
| Return on Equity (ROE) | 16.1600% | 1,324 |
| Retained earnings to average equity (ytd only) | 16.1572% | 676 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.0613% | 3,597 |
| Assets per employee ($millions) | 3.5473% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 1,313 |
| 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 | 63.5700% | 2,287 |
| Net loans and leases to deposits | 74.3670% | 2,268 |
| Net loans and leases to core deposits | 75.3263% | 2,579 |
| Total domestic deposits to total assets | 85.4800% | 2,731 |
| Equity capital to assets | 14.0757% | 587 |
| Core capital (leverage) ratio | 13.0005% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $49,214,000 | 4,423 |
| Average earning assets | $45,726,500 | 4,394 |
| Average equity | $6,362,500 | 4,209 |
| Average total loans | $29,434,000 | 4,233 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1350% | 1,390 |
| Cost of funding earning assets | 0.2812% | 3,031 |
| Net interest margin | 3.8538% | 1,057 |
| Noninterest income to average assets | 1.8900% | 269 |
| Noninterest expense to average assets | 3.3851% | 556 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.6049% | 686 |
| Return on assets (ROA) | 1.6049% | 655 |
| Pretax return on assets | 2.0326% | 442 |
| Return on Equity (ROE) | 14.3700% | 1,443 |
| Retained earnings to average equity (ytd only) | 14.3715% | 340 |
| Net charge-offs to loans | 0.0074% | 2,129 |
| Credit loss provision to net charge-offs | 1,550.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 543.0000% | 317 |
| Efficiency ratio | 61.8009% | 2,792 |
| Assets per employee ($millions) | 4.3594% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4531% | 1,331 |
| 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 | 54.8400% | 3,130 |
| Net loans and leases to deposits | 62.5202% | 3,155 |
| Net loans and leases to core deposits | 63.7398% | 3,280 |
| Total domestic deposits to total assets | 87.7100% | 2,175 |
| Equity capital to assets | 11.9167% | 956 |
| Core capital (leverage) ratio | 11.8391% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $51,903,800 | 4,426 |
| Average earning assets | $48,367,400 | 4,393 |
| Average equity | $5,796,200 | 4,351 |
| Average total loans | $27,192,400 | 4,282 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8913% | 1,503 |
| Cost of funding earning assets | 0.2513% | 2,689 |
| Net interest margin | 3.6400% | 1,298 |
| Noninterest income to average assets | 2.0600% | 263 |
| Noninterest expense to average assets | 3.4026% | 522 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5958% | 664 |
| Return on assets (ROA) | 1.5958% | 643 |
| Pretax return on assets | 2.0205% | 446 |
| Return on Equity (ROE) | 14.5400% | 1,278 |
| Retained earnings to average equity (ytd only) | 14.5364% | 400 |
| Net charge-offs to loans | 0.0100% | 1,753 |
| Credit loss provision to net charge-offs | 500.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 397.5000% | 386 |
| Efficiency ratio | 62.4469% | 2,774 |
| Assets per employee ($millions) | 4.0748% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 1,532 |
| 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 | 52.5200% | 3,232 |
| Net loans and leases to deposits | 59.7132% | 3,222 |
| Net loans and leases to core deposits | 61.5318% | 3,267 |
| Total domestic deposits to total assets | 87.9500% | 2,447 |
| Equity capital to assets | 11.3662% | 1,051 |
| Core capital (leverage) ratio | 11.0802% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $51,801,500 | 4,453 |
| Average earning assets | $48,277,500 | 4,424 |
| Average equity | $5,686,750 | 4,399 |
| Average total loans | $26,712,750 | 4,321 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6778% | 1,598 |
| Cost of funding earning assets | 0.2299% | 2,508 |
| Net interest margin | 3.4479% | 1,463 |
| Noninterest income to average assets | 2.1630% | 208 |
| Noninterest expense to average assets | 3.5323% | 430 |
| Loan and lease loss provision to assets | 0.0389% | 1,890 |
| Net operating income to assets | 1.4238% | 850 |
| Return on assets (ROA) | 1.4238% | 834 |
| Pretax return on assets | 1.8012% | 597 |
| Return on Equity (ROE) | 13.1293% | 1,350 |
| Retained earnings to average equity (ytd only) | 13.1293% | 450 |
| Net charge-offs to loans | 0.0153% | 1,453 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 236.5000% | 486 |
| Efficiency ratio | 65.7495% | 2,545 |
| Assets per employee ($millions) | 4.3559% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 1,522 |
| 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 | 47.9277% | 3,560 |
| Net loans and leases to deposits | 53.6756% | 3,560 |
| Net loans and leases to core deposits | 55.1783% | 3,634 |
| Total domestic deposits to total assets | 89.2913% | 2,050 |
| Equity capital to assets | 10.1842% | 1,598 |
| Core capital (leverage) ratio | 10.3463% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,411,000 | 4,497 |
| Average earning assets | $47,854,667 | 4,481 |
| Average equity | $5,575,333 | 4,457 |
| Average total loans | $26,209,333 | 4,389 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5754% | 1,575 |
| Cost of funding earning assets | 0.2301% | 2,398 |
| Net interest margin | 3.3453% | 1,454 |
| Noninterest income to average assets | 2.1556% | 213 |
| Noninterest expense to average assets | 3.6227% | 379 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2868% | 1,027 |
| Return on assets (ROA) | 1.2868% | 1,019 |
| Pretax return on assets | 1.6310% | 788 |
| Return on Equity (ROE) | 11.4609% | 1,473 |
| Retained earnings to average equity (ytd only) | 11.4609% | 694 |
| Net charge-offs to loans | 0.0313% | 991 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 677 |
| Efficiency ratio | 68.9548% | 2,379 |
| Assets per employee ($millions) | 3.9619% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 1,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 49.5738% | 3,218 |
| Net loans and leases to deposits | 55.9235% | 3,274 |
| Net loans and leases to core deposits | 57.0175% | 3,375 |
| Total domestic deposits to total assets | 88.6458% | 2,232 |
| Equity capital to assets | 10.7912% | 1,448 |
| Core capital (leverage) ratio | 11.4261% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,803,000 | 4,551 |
| Average earning assets | $45,198,000 | 4,544 |
| Average equity | $5,479,500 | 4,521 |
| Average total loans | $25,543,000 | 4,417 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 1,220 |
| Cost of funding earning assets | 0.2573% | 2,843 |
| Net interest margin | 3.8073% | 991 |
| Noninterest income to average assets | 2.7265% | 205 |
| Noninterest expense to average assets | 3.9966% | 286 |
| Loan and lease loss provision to assets | 0.0506% | 2,048 |
| Net operating income to assets | 1.7256% | 597 |
| Return on assets (ROA) | 1.7256% | 621 |
| Pretax return on assets | 2.1858% | 427 |
| Return on Equity (ROE) | 14.9605% | 956 |
| Retained earnings to average equity (ytd only) | 14.9605% | 224 |
| Net charge-offs to loans | 0.0040% | 2,460 |
| Credit loss provision to net charge-offs | 2,200.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 972.0000% | 152 |
| Efficiency ratio | 64.1196% | 2,550 |
| Assets per employee ($millions) | 3.5462% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 1,357 |
| 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 | 53.7255% | 2,883 |
| Net loans and leases to deposits | 61.2675% | 2,960 |
| Net loans and leases to core deposits | 62.6245% | 3,106 |
| Total domestic deposits to total assets | 87.6901% | 2,202 |
| Equity capital to assets | 11.7156% | 1,383 |
| Core capital (leverage) ratio | 11.4947% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,462,200 | 4,626 |
| Average earning assets | $40,028,200 | 4,618 |
| Average equity | $5,013,200 | 4,632 |
| Average total loans | $24,809,000 | 4,479 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 1,142 |
| Cost of funding earning assets | 0.2575% | 3,039 |
| Net interest margin | 3.9161% | 908 |
| Noninterest income to average assets | 2.6571% | 228 |
| Noninterest expense to average assets | 3.9592% | 290 |
| Loan and lease loss provision to assets | 0.0678% | 1,649 |
| Net operating income to assets | 1.7600% | 734 |
| Return on assets (ROA) | 1.7600% | 763 |
| Pretax return on assets | 2.2303% | 515 |
| Return on Equity (ROE) | 15.3229% | 1,085 |
| Retained earnings to average equity (ytd only) | 15.3229% | 355 |
| Net charge-offs to loans | 0.0054% | 2,136 |
| Credit loss provision to net charge-offs | 2,200.0000% | 308 |
| Earnings coverage of net charge-offs (x) | 738.0000% | 217 |
| Efficiency ratio | 63.2653% | 2,500 |
| Assets per employee ($millions) | 3.5192% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 1,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.9989% | 2,850 |
| Net loans and leases to deposits | 62.6591% | 2,981 |
| Net loans and leases to core deposits | 64.0548% | 3,136 |
| Total domestic deposits to total assets | 87.7749% | 1,963 |
| Equity capital to assets | 11.4011% | 1,735 |
| Core capital (leverage) ratio | 11.3621% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,802,500 | 4,704 |
| Average earning assets | $39,357,750 | 4,691 |
| Average equity | $4,916,250 | 4,708 |
| Average total loans | $24,721,000 | 4,537 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 800 |
| Cost of funding earning assets | 0.2611% | 3,176 |
| Net interest margin | 4.1822% | 600 |
| Noninterest income to average assets | 2.3482% | 268 |
| Noninterest expense to average assets | 4.0603% | 274 |
| Loan and lease loss provision to assets | 0.1052% | 1,192 |
| Net operating income to assets | 1.5925% | 1,063 |
| Return on assets (ROA) | 1.5925% | 1,116 |
| Pretax return on assets | 2.0134% | 824 |
| Return on Equity (ROE) | 13.8279% | 1,465 |
| Retained earnings to average equity (ytd only) | 13.8279% | 573 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7121% | 2,196 |
| Assets per employee ($millions) | 4.0855% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 1,433 |
| 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 | 55.6107% | 2,950 |
| Net loans and leases to deposits | 63.0220% | 3,104 |
| Net loans and leases to core deposits | 64.4439% | 3,250 |
| Total domestic deposits to total assets | 88.2401% | 1,703 |
| Equity capital to assets | 11.0901% | 1,921 |
| Core capital (leverage) ratio | 11.3554% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,820,000 | 4,746 |
| Average earning assets | $38,305,333 | 4,732 |
| Average equity | $4,816,333 | 4,745 |
| Average total loans | $24,443,000 | 4,581 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7256% | 548 |
| Cost of funding earning assets | 0.2613% | 3,368 |
| Net interest margin | 4.4643% | 381 |
| Noninterest income to average assets | 2.1361% | 337 |
| Noninterest expense to average assets | 4.1630% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6195% | 1,092 |
| Return on assets (ROA) | 1.6195% | 1,142 |
| Pretax return on assets | 2.0467% | 877 |
| Return on Equity (ROE) | 13.7771% | 1,478 |
| Retained earnings to average equity (ytd only) | 13.7771% | 782 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0400% | 2,073 |
| Assets per employee ($millions) | 3.2402% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 1,560 |
| 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 | 57.6573% | 2,836 |
| Net loans and leases to deposits | 65.6015% | 2,963 |
| Net loans and leases to core deposits | 67.1877% | 3,140 |
| Total domestic deposits to total assets | 87.8902% | 1,900 |
| Equity capital to assets | 11.4284% | 1,590 |
| Core capital (leverage) ratio | 11.9635% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,259,500 | 4,783 |
| Average earning assets | $36,736,000 | 4,772 |
| Average equity | $4,732,500 | 4,770 |
| Average total loans | $23,972,000 | 4,616 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8548% | 664 |
| Cost of funding earning assets | 0.3233% | 4,012 |
| Net interest margin | 4.5316% | 311 |
| Noninterest income to average assets | 2.0260% | 323 |
| Noninterest expense to average assets | 4.0709% | 357 |
| Loan and lease loss provision to assets | 0.1461% | 2,547 |
| Net operating income to assets | 1.5039% | 800 |
| Return on assets (ROA) | 1.5039% | 874 |
| Pretax return on assets | 1.9043% | 547 |
| Return on Equity (ROE) | 12.1658% | 1,276 |
| Retained earnings to average equity (ytd only) | 1.2253% | 4,134 |
| Net charge-offs to loans | -0.0084% | 4,222 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5046% | 2,449 |
| Assets per employee ($millions) | 3.4905% | 4,653 |
| Cash dividends to net income (ytd only)* | 89.9281% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 1,291 |
| Loan loss allowance to noncurrent loans | 12,433.3333% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,405 |
| Noncurrent loans to loans | 0.0129% | 4,320 |
| Net loans and leases to total assets | 59.6703% | 2,907 |
| Net loans and leases to deposits | 68.4646% | 3,036 |
| Net loans and leases to core deposits | 70.2985% | 3,236 |
| Total domestic deposits to total assets | 87.1549% | 1,860 |
| Equity capital to assets | 12.1132% | 1,517 |
| Core capital (leverage) ratio | 11.9028% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,969,800 | 4,808 |
| Average earning assets | $33,410,200 | 4,805 |
| Average equity | $4,570,200 | 4,795 |
| Average total loans | $23,916,200 | 4,642 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0245% | 580 |
| Cost of funding earning assets | 0.3312% | 4,146 |
| Net interest margin | 4.6933% | 259 |
| Noninterest income to average assets | 2.0320% | 314 |
| Noninterest expense to average assets | 4.1732% | 329 |
| Loan and lease loss provision to assets | 0.1967% | 2,011 |
| Net operating income to assets | 1.4967% | 912 |
| Return on assets (ROA) | 1.4967% | 993 |
| Pretax return on assets | 1.8936% | 644 |
| Return on Equity (ROE) | 12.0437% | 1,357 |
| Retained earnings to average equity (ytd only) | -2.6080% | 4,746 |
| Net charge-offs to loans | -0.0166% | 4,366 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6279% | 2,383 |
| Assets per employee ($millions) | 3.5968% | 4,615 |
| Cash dividends to net income (ytd only)* | 121.6545% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 1,391 |
| Loan loss allowance to noncurrent loans | 7,460.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 4,430 |
| Noncurrent loans to loans | 0.0201% | 4,332 |
| Net loans and leases to total assets | 62.0675% | 3,002 |
| Net loans and leases to deposits | 70.7491% | 3,240 |
| Net loans and leases to core deposits | 72.5680% | 3,425 |
| Total domestic deposits to total assets | 87.7291% | 1,328 |
| Equity capital to assets | 11.3863% | 2,091 |
| Core capital (leverage) ratio | 11.0457% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,613,250 | 4,837 |
| Average earning assets | $33,010,750 | 4,836 |
| Average equity | $4,550,000 | 4,821 |
| Average total loans | $24,074,250 | 4,666 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3452% | 447 |
| Cost of funding earning assets | 0.3181% | 4,403 |
| Net interest margin | 5.0271% | 194 |
| Noninterest income to average assets | 2.0769% | 277 |
| Noninterest expense to average assets | 4.2942% | 305 |
| Loan and lease loss provision to assets | 0.3031% | 1,424 |
| Net operating income to assets | 1.5830% | 787 |
| Return on assets (ROA) | 1.5830% | 860 |
| Pretax return on assets | 2.0040% | 539 |
| Return on Equity (ROE) | 12.3549% | 1,249 |
| Retained earnings to average equity (ytd only) | -9.5509% | 4,910 |
| Net charge-offs to loans | -0.0252% | 4,481 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0510% | 2,654 |
| Assets per employee ($millions) | 3.7945% | 4,473 |
| Cash dividends to net income (ytd only)* | 177.3050% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 1,417 |
| Loan loss allowance to noncurrent loans | 6,233.3333% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 4,495 |
| Noncurrent loans to loans | 0.0232% | 4,390 |
| Net loans and leases to total assets | 60.9919% | 3,215 |
| Net loans and leases to deposits | 68.7497% | 3,506 |
| Net loans and leases to core deposits | 79.4817% | 2,987 |
| Total domestic deposits to total assets | 88.7159% | 859 |
| Equity capital to assets | 10.4839% | 2,754 |
| Core capital (leverage) ratio | 11.7231% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,629,333 | 4,872 |
| Average earning assets | $32,066,000 | 4,874 |
| Average equity | $4,565,000 | 4,847 |
| Average total loans | $23,789,000 | 4,695 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 636 |
| Cost of funding earning assets | 0.2893% | 4,690 |
| Net interest margin | 4.9310% | 220 |
| Noninterest income to average assets | 2.9226% | 159 |
| Noninterest expense to average assets | 4.9733% | 228 |
| Loan and lease loss provision to assets | 0.3316% | 928 |
| Net operating income to assets | 1.5964% | 633 |
| Return on assets (ROA) | 1.5964% | 694 |
| Pretax return on assets | 2.0139% | 434 |
| Return on Equity (ROE) | 11.1600% | 1,368 |
| Retained earnings to average equity (ytd only) | 11.1600% | 548 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9530% | 2,673 |
| Assets per employee ($millions) | 3.0940% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,403 |
| Loan loss allowance to noncurrent loans | 4,287.5000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 4,513 |
| Noncurrent loans to loans | 0.0346% | 4,422 |
| Net loans and leases to total assets | 67.0065% | 2,702 |
| Net loans and leases to deposits | 78.5783% | 2,826 |
| Net loans and leases to core deposits | 79.2638% | 3,262 |
| Total domestic deposits to total assets | 85.2735% | 2,300 |
| Equity capital to assets | 13.8802% | 1,100 |
| Core capital (leverage) ratio | 14.5318% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $32,574,000 | 4,945 |
| Average earning assets | $29,040,500 | 4,945 |
| Average equity | $4,659,500 | 4,879 |
| Average total loans | $22,767,500 | 4,751 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7171% | 382 |
| Cost of funding earning assets | 0.4574% | 4,246 |
| Net interest margin | 5.2598% | 170 |
| Noninterest income to average assets | 2.4668% | 204 |
| Noninterest expense to average assets | 5.1564% | 194 |
| Loan and lease loss provision to assets | 0.0171% | 3,674 |
| Net operating income to assets | 1.4630% | 1,149 |
| Return on assets (ROA) | 1.4630% | 1,209 |
| Pretax return on assets | 1.8638% | 807 |
| Return on Equity (ROE) | 9.5710% | 2,489 |
| Retained earnings to average equity (ytd only) | 0.6052% | 4,514 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2717% | 1,693 |
| Assets per employee ($millions) | 2.8285% | 4,895 |
| Cash dividends to net income (ytd only)* | 93.6768% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 1,485 |
| Loan loss allowance to noncurrent loans | 3,511.1111% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 4,502 |
| Noncurrent loans to loans | 0.0402% | 4,401 |
| Net loans and leases to total assets | 70.9359% | 2,259 |
| Net loans and leases to deposits | 84.1185% | 2,318 |
| Net loans and leases to core deposits | 84.9375% | 2,876 |
| Total domestic deposits to total assets | 84.3286% | 2,744 |
| Equity capital to assets | 14.7683% | 858 |
| Core capital (leverage) ratio | 15.0033% | 689 |
| Tier 1 risk-based capital ratio | 17.9180% | 1,780 |
| Total risk-based capital ratio | 19.1505% | 1,734 |
| Memoranda: | ||
| Average total assets | $29,187,200 | 5,035 |
| Average earning assets | $25,362,400 | 5,040 |
| Average equity | $4,461,400 | 4,949 |
| Average total loans | $21,005,400 | 4,836 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8414% | 322 |
| Cost of funding earning assets | 0.4671% | 4,274 |
| Net interest margin | 5.3743% | 146 |
| Noninterest income to average assets | 2.4710% | 205 |
| Noninterest expense to average assets | 5.1417% | 193 |
| Loan and lease loss provision to assets | 0.0232% | 3,435 |
| Net operating income to assets | 1.5328% | 1,110 |
| Return on assets (ROA) | 1.5328% | 1,158 |
| Pretax return on assets | 1.9554% | 759 |
| Return on Equity (ROE) | 9.9365% | 2,460 |
| Retained earnings to average equity (ytd only) | -2.1077% | 4,934 |
| Net charge-offs to loans | 0.0064% | 3,152 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 427.0602% | 235 |
| Efficiency ratio | 72.2114% | 1,801 |
| Assets per employee ($millions) | 2.6198% | 5,040 |
| Cash dividends to net income (ytd only)* | 121.2118% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 1,181 |
| Loan loss allowance to noncurrent loans | 2,633.3333% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 4,504 |
| Noncurrent loans to loans | 0.0579% | 4,375 |
| Net loans and leases to total assets | 70.7752% | 2,361 |
| Net loans and leases to deposits | 85.0329% | 2,315 |
| Net loans and leases to core deposits | 85.0329% | 2,990 |
| Total domestic deposits to total assets | 83.2327% | 3,088 |
| Equity capital to assets | 15.6083% | 713 |
| Core capital (leverage) ratio | 15.4674% | 652 |
| Tier 1 risk-based capital ratio | 20.8262% | 1,210 |
| Total risk-based capital ratio | 22.0859% | 1,188 |
| Memoranda: | ||
| Average total assets | $28,705,500 | 5,117 |
| Average earning assets | $24,833,750 | 5,119 |
| Average equity | $4,428,000 | 5,019 |
| Average total loans | $20,660,000 | 4,921 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8942% | 290 |
| Cost of funding earning assets | 0.4683% | 4,248 |
| Net interest margin | 5.4259% | 147 |
| Noninterest income to average assets | 2.2464% | 225 |
| Noninterest expense to average assets | 5.0649% | 213 |
| Loan and lease loss provision to assets | 0.0349% | 3,128 |
| Net operating income to assets | 1.4302% | 1,341 |
| Return on assets (ROA) | 1.4302% | 1,390 |
| Pretax return on assets | 1.8348% | 964 |
| Return on Equity (ROE) | 9.3083% | 2,721 |
| Retained earnings to average equity (ytd only) | -8.8542% | 5,153 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0382% | 1,770 |
| Assets per employee ($millions) | 2.6272% | 5,084 |
| Cash dividends to net income (ytd only)* | 195.1220% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 1,101 |
| Loan loss allowance to noncurrent loans | 2,430.7692% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 4,545 |
| Noncurrent loans to loans | 0.0646% | 4,392 |
| Net loans and leases to total assets | 68.5941% | 2,740 |
| Net loans and leases to deposits | 81.7882% | 2,751 |
| Net loans and leases to core deposits | 81.7882% | 3,280 |
| Total domestic deposits to total assets | 83.8680% | 2,922 |
| Equity capital to assets | 15.1286% | 779 |
| Core capital (leverage) ratio | 15.4673% | 624 |
| Tier 1 risk-based capital ratio | 19.6151% | 1,417 |
| Total risk-based capital ratio | 20.8713% | 1,392 |
| Memoranda: | ||
| Average total assets | $28,668,000 | 5,160 |
| Average earning assets | $24,770,000 | 5,165 |
| Average equity | $4,404,670 | 5,055 |
| Average total loans | $20,642,670 | 4,963 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3996% | 127 |
| Cost of funding earning assets | 0.4442% | 4,318 |
| Net interest margin | 5.9554% | 72 |
| Noninterest income to average assets | 2.0173% | 244 |
| Noninterest expense to average assets | 5.0574% | 195 |
| Loan and lease loss provision to assets | 0.0700% | 2,257 |
| Net operating income to assets | 1.5130% | 1,081 |
| Return on assets (ROA) | 1.5130% | 1,109 |
| Pretax return on assets | 1.9613% | 685 |
| Return on Equity (ROE) | 9.7715% | 2,464 |
| Retained earnings to average equity (ytd only) | -26.4194% | 5,294 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3439% | 2,139 |
| Assets per employee ($millions) | 2.6197% | 5,142 |
| Cash dividends to net income (ytd only)* | 370.3704% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,390 |
| Loan loss allowance to noncurrent loans | 2,264.2857% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 4,587 |
| Noncurrent loans to loans | 0.0654% | 4,468 |
| Net loans and leases to total assets | 73.1304% | 1,954 |
| Net loans and leases to deposits | 86.8422% | 2,020 |
| Net loans and leases to core deposits | 90.6682% | 2,428 |
| Total domestic deposits to total assets | 84.2107% | 2,979 |
| Equity capital to assets | 14.8350% | 787 |
| Core capital (leverage) ratio | 15.0709% | 680 |
| Tier 1 risk-based capital ratio | 17.8355% | 1,836 |
| Total risk-based capital ratio | 19.0913% | 1,795 |
| Memoranda: | ||
| Average total assets | $28,552,500 | 5,215 |
| Average earning assets | $24,314,000 | 5,224 |
| Average equity | $4,421,000 | 5,099 |
| Average total loans | $20,894,500 | 5,015 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3976% | 479 |
| Cost of funding earning assets | 0.3929% | 4,026 |
| Net interest margin | 5.0047% | 260 |
| Noninterest income to average assets | 2.1450% | 246 |
| Noninterest expense to average assets | 4.8349% | 230 |
| Loan and lease loss provision to assets | 0.0174% | 3,810 |
| Net operating income to assets | 1.3189% | 1,725 |
| Return on assets (ROA) | 1.3189% | 1,714 |
| Pretax return on assets | 1.6695% | 1,251 |
| Return on Equity (ROE) | 8.6933% | 3,148 |
| Retained earnings to average equity (ytd only) | 8.6933% | 984 |
| Net charge-offs to loans | 0.0247% | 2,912 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 97.2000% | 750 |
| Efficiency ratio | 74.1352% | 1,608 |
| Assets per employee ($millions) | 2.5716% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 1,215 |
| Loan loss allowance to noncurrent loans | 1,829.4118% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 4,540 |
| Noncurrent loans to loans | 0.0833% | 4,377 |
| Net loans and leases to total assets | 71.0054% | 2,418 |
| Net loans and leases to deposits | 85.6363% | 2,325 |
| Net loans and leases to core deposits | 89.5457% | 2,610 |
| Total domestic deposits to total assets | 82.9150% | 3,356 |
| Equity capital to assets | 16.1447% | 516 |
| Core capital (leverage) ratio | 15.9168% | 523 |
| Tier 1 risk-based capital ratio | 20.9342% | 1,162 |
| Total risk-based capital ratio | 22.1856% | 1,148 |
| Memoranda: | ||
| Average total assets | $28,811,600 | 5,258 |
| Average earning assets | $25,196,200 | 5,261 |
| Average equity | $4,371,200 | 5,125 |
| Average total loans | $20,244,400 | 5,069 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3465% | 482 |
| Cost of funding earning assets | 0.3962% | 3,888 |
| Net interest margin | 4.9503% | 283 |
| Noninterest income to average assets | 2.0684% | 262 |
| Noninterest expense to average assets | 4.7633% | 239 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2807% | 1,925 |
| Return on assets (ROA) | 1.2807% | 1,925 |
| Pretax return on assets | 1.6216% | 1,507 |
| Return on Equity (ROE) | 8.5756% | 3,302 |
| Retained earnings to average equity (ytd only) | 8.5756% | 1,384 |
| Net charge-offs to loans | 0.0330% | 2,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 70.3628% | 952 |
| Efficiency ratio | 74.6032% | 1,511 |
| Assets per employee ($millions) | 2.6764% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,621 |
| Loan loss allowance to noncurrent loans | 1,610.5263% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 4,660 |
| Noncurrent loans to loans | 0.0883% | 4,489 |
| Net loans and leases to total assets | 72.0788% | 2,320 |
| Net loans and leases to deposits | 86.0782% | 2,353 |
| Net loans and leases to core deposits | 93.8772% | 2,300 |
| Total domestic deposits to total assets | 83.7364% | 3,037 |
| Equity capital to assets | 15.1630% | 684 |
| Core capital (leverage) ratio | 15.3862% | 613 |
| Tier 1 risk-based capital ratio | 19.6289% | 1,414 |
| Total risk-based capital ratio | 20.8865% | 1,376 |
| Memoranda: | ||
| Average total assets | $28,942,500 | 5,324 |
| Average earning assets | $25,237,000 | 5,326 |
| Average equity | $4,322,250 | 5,197 |
| Average total loans | $20,206,250 | 5,130 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2522% | 508 |
| Cost of funding earning assets | 0.3985% | 3,729 |
| Net interest margin | 4.8537% | 334 |
| Noninterest income to average assets | 2.2242% | 241 |
| Noninterest expense to average assets | 4.7820% | 242 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6264% | 858 |
| Return on assets (ROA) | 1.6264% | 863 |
| Pretax return on assets | 1.6751% | 1,283 |
| Return on Equity (ROE) | 10.9851% | 2,123 |
| Retained earnings to average equity (ytd only) | 10.9851% | 677 |
| Net charge-offs to loans | 0.0304% | 2,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 80.3333% | 820 |
| Efficiency ratio | 74.0581% | 1,701 |
| Assets per employee ($millions) | 2.6370% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 1,274 |
| Loan loss allowance to noncurrent loans | 643.7500% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 4,158 |
| Noncurrent loans to loans | 0.2390% | 3,849 |
| Net loans and leases to total assets | 68.1594% | 2,840 |
| Net loans and leases to deposits | 81.3856% | 2,830 |
| Net loans and leases to core deposits | 88.8784% | 2,652 |
| Total domestic deposits to total assets | 83.7488% | 3,150 |
| Equity capital to assets | 15.0895% | 669 |
| Core capital (leverage) ratio | 15.3262% | 609 |
| Tier 1 risk-based capital ratio | 20.4628% | 1,251 |
| Total risk-based capital ratio | 21.7204% | 1,229 |
| Memoranda: | ||
| Average total assets | $28,774,670 | 5,389 |
| Average earning assets | $25,094,330 | 5,391 |
| Average equity | $4,260,330 | 5,267 |
| Average total loans | $19,766,330 | 5,203 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9802% | 729 |
| Cost of funding earning assets | 0.4137% | 3,492 |
| Net interest margin | 4.5665% | 539 |
| Noninterest income to average assets | 2.3169% | 222 |
| Noninterest expense to average assets | 4.9968% | 221 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6609% | 750 |
| Return on assets (ROA) | 1.6609% | 754 |
| Pretax return on assets | 1.3260% | 2,266 |
| Return on Equity (ROE) | 11.3279% | 1,844 |
| Retained earnings to average equity (ytd only) | 11.3279% | 821 |
| Net charge-offs to loans | 0.0408% | 1,718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 972 |
| Efficiency ratio | 79.0287% | 1,254 |
| Assets per employee ($millions) | 2.6238% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 1,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 65.0544% | 3,171 |
| Net loans and leases to deposits | 77.1564% | 3,098 |
| Net loans and leases to core deposits | 84.2124% | 2,958 |
| Total domestic deposits to total assets | 84.3150% | 3,187 |
| Equity capital to assets | 14.7668% | 724 |
| Core capital (leverage) ratio | 14.8048% | 687 |
| Tier 1 risk-based capital ratio | 19.6098% | 1,416 |
| Total risk-based capital ratio | 20.8705% | 1,382 |
| Memoranda: | ||
| Average total assets | $28,658,500 | 5,454 |
| Average earning assets | $25,139,500 | 5,449 |
| Average equity | $4,202,000 | 5,333 |
| Average total loans | $19,609,500 | 5,264 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0437% | 595 |
| Cost of funding earning assets | 0.4159% | 3,087 |
| Net interest margin | 4.6278% | 473 |
| Noninterest income to average assets | 2.3150% | 241 |
| Noninterest expense to average assets | 4.8052% | 251 |
| Loan and lease loss provision to assets | 0.0665% | 2,879 |
| Net operating income to assets | 0.9491% | 2,452 |
| Return on assets (ROA) | 0.9491% | 2,482 |
| Pretax return on assets | 1.4570% | 1,791 |
| Return on Equity (ROE) | 6.7635% | 3,404 |
| Retained earnings to average equity (ytd only) | 6.7635% | 1,168 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9270% | 1,628 |
| Assets per employee ($millions) | 2.5868% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 1,275 |
| 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 | 69.6574% | 2,572 |
| Net loans and leases to deposits | 82.8118% | 2,630 |
| Net loans and leases to core deposits | 90.5234% | 2,513 |
| Total domestic deposits to total assets | 84.1153% | 3,161 |
| Equity capital to assets | 14.5563% | 765 |
| Core capital (leverage) ratio | 14.5333% | 724 |
| Tier 1 risk-based capital ratio | 18.6812% | 1,594 |
| Total risk-based capital ratio | 19.9305% | 1,548 |
| Memoranda: | ||
| Average total assets | $28,552,400 | 5,511 |
| Average earning assets | $24,763,400 | 5,513 |
| Average equity | $4,006,800 | 5,418 |
| Average total loans | $19,805,400 | 5,322 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9848% | 632 |
| Cost of funding earning assets | 0.4109% | 3,076 |
| Net interest margin | 4.5739% | 515 |
| Noninterest income to average assets | 2.4215% | 235 |
| Noninterest expense to average assets | 4.8243% | 245 |
| Loan and lease loss provision to assets | 0.0793% | 2,497 |
| Net operating income to assets | 0.9518% | 2,768 |
| Return on assets (ROA) | 0.9518% | 2,831 |
| Pretax return on assets | 1.4650% | 1,900 |
| Return on Equity (ROE) | 6.8460% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.8460% | 1,773 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7509% | 1,625 |
| Assets per employee ($millions) | 2.9143% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 1,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 67.4090% | 2,936 |
| Net loans and leases to deposits | 80.0204% | 2,974 |
| Net loans and leases to core deposits | 87.2413% | 2,850 |
| Total domestic deposits to total assets | 84.2398% | 3,025 |
| Equity capital to assets | 13.9862% | 1,000 |
| Core capital (leverage) ratio | 14.2902% | 818 |
| Tier 1 risk-based capital ratio | 19.0628% | 1,566 |
| Total risk-based capital ratio | 20.3162% | 1,529 |
| Memoranda: | ||
| Average total assets | $28,576,750 | 5,570 |
| Average earning assets | $24,660,750 | 5,578 |
| Average equity | $3,973,000 | 5,482 |
| Average total loans | $19,723,500 | 5,380 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9051% | 686 |
| Cost of funding earning assets | 0.4074% | 3,000 |
| Net interest margin | 4.4977% | 568 |
| Noninterest income to average assets | 2.5433% | 223 |
| Noninterest expense to average assets | 4.8189% | 246 |
| Loan and lease loss provision to assets | 0.1127% | 1,818 |
| Net operating income to assets | 0.9793% | 2,527 |
| Return on assets (ROA) | 0.9793% | 2,578 |
| Pretax return on assets | 1.5006% | 1,630 |
| Return on Equity (ROE) | 7.0582% | 3,524 |
| Retained earnings to average equity (ytd only) | 7.0582% | 1,571 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9179% | 1,866 |
| Assets per employee ($millions) | 3.6058% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 1,413 |
| 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 | 68.2313% | 2,781 |
| Net loans and leases to deposits | 80.4036% | 2,866 |
| Net loans and leases to core deposits | 87.6821% | 2,733 |
| Total domestic deposits to total assets | 84.8610% | 2,865 |
| Equity capital to assets | 13.9083% | 997 |
| Core capital (leverage) ratio | 14.1452% | 818 |
| Tier 1 risk-based capital ratio | 18.4341% | 1,734 |
| Total risk-based capital ratio | 19.6885% | 1,694 |
| Memoranda: | ||
| Average total assets | $28,388,000 | 5,620 |
| Average earning assets | $24,546,000 | 5,626 |
| Average equity | $3,938,670 | 5,528 |
| Average total loans | $19,646,330 | 5,422 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 827 |
| Cost of funding earning assets | 0.4116% | 2,886 |
| Net interest margin | 4.3469% | 710 |
| Noninterest income to average assets | 2.5001% | 232 |
| Noninterest expense to average assets | 4.8581% | 257 |
| Loan and lease loss provision to assets | 0.1847% | 925 |
| Net operating income to assets | 0.8523% | 2,984 |
| Return on assets (ROA) | 0.8523% | 3,026 |
| Pretax return on assets | 1.2074% | 2,564 |
| Return on Equity (ROE) | 6.1507% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.1507% | 2,253 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7273% | 1,670 |
| Assets per employee ($millions) | 2.5772% | 5,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 1,323 |
| 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 | 65.4027% | 3,063 |
| Net loans and leases to deposits | 76.9177% | 3,092 |
| Net loans and leases to core deposits | 83.9681% | 2,901 |
| Total domestic deposits to total assets | 85.0295% | 3,075 |
| Equity capital to assets | 13.8700% | 946 |
| Core capital (leverage) ratio | 14.0393% | 831 |
| Tier 1 risk-based capital ratio | 18.7506% | 1,679 |
| Total risk-based capital ratio | 20.0048% | 1,632 |
| Memoranda: | ||
| Average total assets | $28,159,000 | 5,689 |
| Average earning assets | $24,293,000 | 5,693 |
| Average equity | $3,902,000 | 5,592 |
| Average total loans | $19,474,000 | 5,481 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 527 |
| Cost of funding earning assets | 0.4474% | 2,560 |
| Net interest margin | 4.6248% | 482 |
| Noninterest income to average assets | 2.1373% | 313 |
| Noninterest expense to average assets | 5.0352% | 253 |
| Loan and lease loss provision to assets | 0.2641% | 771 |
| Net operating income to assets | 0.5433% | 4,459 |
| Return on assets (ROA) | 0.6303% | 4,199 |
| Pretax return on assets | 0.9753% | 3,558 |
| Return on Equity (ROE) | 4.7225% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.7225% | 2,535 |
| Net charge-offs to loans | 0.2141% | 1,297 |
| Credit loss provision to net charge-offs | 197.3684% | 1,432 |
| Earnings coverage of net charge-offs (x) | 8.2632% | 2,893 |
| Efficiency ratio | 81.9954% | 1,198 |
| Assets per employee ($millions) | 2.1515% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 1,847 |
| 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 | 70.8213% | 2,367 |
| Net loans and leases to deposits | 83.3039% | 2,504 |
| Net loans and leases to core deposits | 91.0545% | 2,400 |
| Total domestic deposits to total assets | 85.0156% | 3,036 |
| Equity capital to assets | 13.8439% | 943 |
| Core capital (leverage) ratio | 13.6434% | 917 |
| Tier 1 risk-based capital ratio | 17.9767% | 1,852 |
| Total risk-based capital ratio | 19.2302% | 1,815 |
| Memoranda: | ||
| Average total assets | $28,400,200 | 5,738 |
| Average earning assets | $24,584,600 | 5,738 |
| Average equity | $3,790,400 | 5,667 |
| Average total loans | $17,750,800 | 5,583 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 852 |
| Cost of funding earning assets | 0.4528% | 2,530 |
| Net interest margin | 4.3714% | 817 |
| Noninterest income to average assets | 2.3151% | 289 |
| Noninterest expense to average assets | 4.9342% | 277 |
| Loan and lease loss provision to assets | 0.2105% | 1,003 |
| Net operating income to assets | 0.6234% | 4,193 |
| Return on assets (ROA) | 0.7390% | 3,787 |
| Pretax return on assets | 1.1412% | 3,080 |
| Return on Equity (ROE) | 5.5878% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.5878% | 2,437 |
| Net charge-offs to loans | 0.2952% | 778 |
| Credit loss provision to net charge-offs | 118.4211% | 2,109 |
| Earnings coverage of net charge-offs (x) | 6.6047% | 2,984 |
| Efficiency ratio | 80.7810% | 1,324 |
| Assets per employee ($millions) | 2.1710% | 5,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 2,369 |
| 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 | 67.3812% | 2,891 |
| Net loans and leases to deposits | 79.3069% | 3,047 |
| Net loans and leases to core deposits | 86.5865% | 2,898 |
| Total domestic deposits to total assets | 84.9626% | 2,822 |
| Equity capital to assets | 13.6449% | 1,181 |
| Core capital (leverage) ratio | 13.8133% | 902 |
| Tier 1 risk-based capital ratio | 17.4736% | 2,090 |
| Total risk-based capital ratio | 18.6669% | 2,063 |
| Memoranda: | ||
| Average total assets | $28,508,000 | 5,795 |
| Average earning assets | $24,735,750 | 5,798 |
| Average equity | $3,770,000 | 5,731 |
| Average total loans | $17,163,250 | 5,668 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3046% | 356 |
| Cost of funding earning assets | 0.4595% | 2,481 |
| Net interest margin | 4.8451% | 342 |
| Noninterest income to average assets | 1.9089% | 358 |
| Noninterest expense to average assets | 4.9855% | 268 |
| Loan and lease loss provision to assets | 0.1958% | 1,105 |
| Net operating income to assets | 0.6013% | 4,261 |
| Return on assets (ROA) | 0.7831% | 3,535 |
| Pretax return on assets | 1.2097% | 2,752 |
| Return on Equity (ROE) | 5.9845% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.9845% | 2,122 |
| Net charge-offs to loans | 0.1215% | 1,623 |
| Credit loss provision to net charge-offs | 280.0000% | 1,012 |
| Earnings coverage of net charge-offs (x) | 16.1000% | 1,951 |
| Efficiency ratio | 81.5789% | 1,321 |
| Assets per employee ($millions) | 2.3959% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 1,659 |
| Loan loss allowance to noncurrent loans | 978.5714% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 5,123 |
| Noncurrent loans to loans | 0.1589% | 4,803 |
| Net loans and leases to total assets | 60.3527% | 3,836 |
| Net loans and leases to deposits | 70.9548% | 3,892 |
| Net loans and leases to core deposits | 77.3296% | 3,708 |
| Total domestic deposits to total assets | 85.0579% | 2,852 |
| Equity capital to assets | 13.2343% | 1,367 |
| Core capital (leverage) ratio | 13.4643% | 995 |
| Tier 1 risk-based capital ratio | 17.9897% | 1,935 |
| Total risk-based capital ratio | 19.2379% | 1,899 |
| Memoranda: | ||
| Average total assets | $28,603,000 | 5,867 |
| Average earning assets | $24,808,670 | 5,869 |
| Average equity | $3,743,000 | 5,803 |
| Average total loans | $16,457,670 | 5,755 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0288% | 548 |
| Cost of funding earning assets | 0.4689% | 2,377 |
| Net interest margin | 4.5599% | 540 |
| Noninterest income to average assets | 1.5984% | 462 |
| Noninterest expense to average assets | 4.9774% | 279 |
| Loan and lease loss provision to assets | 0.0841% | 2,267 |
| Net operating income to assets | 0.3085% | 5,278 |
| Return on assets (ROA) | 0.3085% | 5,362 |
| Pretax return on assets | 0.4907% | 5,108 |
| Return on Equity (ROE) | 2.3707% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.3707% | 4,303 |
| Net charge-offs to loans | 0.2268% | 903 |
| Credit loss provision to net charge-offs | 66.6667% | 1,925 |
| Earnings coverage of net charge-offs (x) | 4.5556% | 2,414 |
| Efficiency ratio | 89.6465% | 696 |
| Assets per employee ($millions) | 2.3813% | 5,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 1,896 |
| Loan loss allowance to noncurrent loans | 443.8596% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 4,760 |
| Noncurrent loans to loans | 0.3428% | 4,210 |
| Net loans and leases to total assets | 57.3033% | 4,116 |
| Net loans and leases to deposits | 66.8558% | 4,171 |
| Net loans and leases to core deposits | 72.8263% | 3,994 |
| Total domestic deposits to total assets | 85.7118% | 2,803 |
| Equity capital to assets | 13.0564% | 1,388 |
| Core capital (leverage) ratio | 13.4973% | 987 |
| Tier 1 risk-based capital ratio | 18.2717% | 1,917 |
| Total risk-based capital ratio | 19.5160% | 1,877 |
| Memoranda: | ||
| Average total assets | $28,529,000 | 5,928 |
| Average earning assets | $24,737,500 | 5,929 |
| Average equity | $3,712,000 | 5,856 |
| Average total loans | $15,873,500 | 5,822 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 1,182 |
| Cost of funding earning assets | 0.5148% | 2,031 |
| Net interest margin | 4.1548% | 1,269 |
| Noninterest income to average assets | 2.1179% | 327 |
| Noninterest expense to average assets | 4.8982% | 302 |
| Loan and lease loss provision to assets | 0.0705% | 2,870 |
| Net operating income to assets | 0.4722% | 4,802 |
| Return on assets (ROA) | 0.4722% | 4,883 |
| Pretax return on assets | 0.7330% | 4,421 |
| Return on Equity (ROE) | 3.6978% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.6978% | 3,419 |
| Net charge-offs to loans | 0.0713% | 2,819 |
| Credit loss provision to net charge-offs | 181.8182% | 1,499 |
| Earnings coverage of net charge-offs (x) | 20.7273% | 1,859 |
| Efficiency ratio | 85.9085% | 999 |
| Assets per employee ($millions) | 2.5893% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 1,346 |
| Loan loss allowance to noncurrent loans | 383.5821% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 4,650 |
| Noncurrent loans to loans | 0.4432% | 3,882 |
| Net loans and leases to total assets | 52.1803% | 4,678 |
| Net loans and leases to deposits | 60.8325% | 4,712 |
| Net loans and leases to core deposits | 66.2802% | 4,568 |
| Total domestic deposits to total assets | 85.7770% | 2,745 |
| Equity capital to assets | 12.9661% | 1,363 |
| Core capital (leverage) ratio | 12.9968% | 1,151 |
| Tier 1 risk-based capital ratio | 19.7149% | 1,539 |
| Total risk-based capital ratio | 20.9697% | 1,511 |
| Memoranda: | ||
| Average total assets | $28,377,800 | 5,985 |
| Average earning assets | $24,477,600 | 5,990 |
| Average equity | $3,623,800 | 5,912 |
| Average total loans | $15,437,600 | 5,883 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5989% | 1,329 |
| Cost of funding earning assets | 0.5134% | 2,093 |
| Net interest margin | 4.0855% | 1,443 |
| Noninterest income to average assets | 1.9563% | 373 |
| Noninterest expense to average assets | 4.7827% | 341 |
| Loan and lease loss provision to assets | 0.0752% | 2,675 |
| Net operating income to assets | 0.3950% | 5,178 |
| Return on assets (ROA) | 0.3950% | 5,272 |
| Pretax return on assets | 0.6161% | 4,938 |
| Return on Equity (ROE) | 3.1055% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.1055% | 4,244 |
| Net charge-offs to loans | 0.0945% | 2,214 |
| Credit loss provision to net charge-offs | 145.4545% | 1,723 |
| Earnings coverage of net charge-offs (x) | 13.3606% | 2,335 |
| Efficiency ratio | 87.3711% | 905 |
| Assets per employee ($millions) | 2.6139% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 2,088 |
| Loan loss allowance to noncurrent loans | 436.2069% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 4,948 |
| Noncurrent loans to loans | 0.3477% | 4,367 |
| Net loans and leases to total assets | 57.1384% | 4,230 |
| Net loans and leases to deposits | 66.5951% | 4,321 |
| Net loans and leases to core deposits | 73.3045% | 4,075 |
| Total domestic deposits to total assets | 85.7997% | 2,640 |
| Equity capital to assets | 12.7152% | 1,607 |
| Core capital (leverage) ratio | 12.5855% | 1,366 |
| Tier 1 risk-based capital ratio | 18.6337% | 1,866 |
| Total risk-based capital ratio | 19.8763% | 1,835 |
| Memoranda: | ||
| Average total assets | $28,351,750 | 6,069 |
| Average earning assets | $24,411,000 | 6,074 |
| Average equity | $3,606,500 | 5,992 |
| Average total loans | $15,517,250 | 5,954 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 1,402 |
| Cost of funding earning assets | 0.4946% | 2,299 |
| Net interest margin | 4.0556% | 1,483 |
| Noninterest income to average assets | 1.9278% | 390 |
| Noninterest expense to average assets | 4.8692% | 317 |
| Loan and lease loss provision to assets | 0.0709% | 2,695 |
| Net operating income to assets | 0.3119% | 5,406 |
| Return on assets (ROA) | 0.3119% | 5,499 |
| Pretax return on assets | 0.4749% | 5,288 |
| Return on Equity (ROE) | 2.4513% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.4513% | 4,492 |
| Net charge-offs to loans | 0.1454% | 1,619 |
| Credit loss provision to net charge-offs | 90.9091% | 2,189 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,709 |
| Efficiency ratio | 89.9215% | 756 |
| Assets per employee ($millions) | 2.4086% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 2,016 |
| Loan loss allowance to noncurrent loans | 410.0000% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 5,037 |
| Noncurrent loans to loans | 0.3827% | 4,336 |
| Net loans and leases to total assets | 53.3924% | 4,627 |
| Net loans and leases to deposits | 61.9361% | 4,707 |
| Net loans and leases to core deposits | 68.1084% | 4,484 |
| Total domestic deposits to total assets | 86.2056% | 2,576 |
| Equity capital to assets | 12.4797% | 1,672 |
| Core capital (leverage) ratio | 12.6535% | 1,311 |
| Tier 1 risk-based capital ratio | 18.5459% | 1,909 |
| Total risk-based capital ratio | 19.7954% | 1,871 |
| Memoranda: | ||
| Average total assets | $28,218,000 | 6,138 |
| Average earning assets | $24,263,000 | 6,142 |
| Average equity | $3,590,000 | 6,056 |
| Average total loans | $15,129,000 | 6,027 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 1,525 |
| Cost of funding earning assets | 0.4679% | 2,582 |
| Net interest margin | 4.0102% | 1,521 |
| Noninterest income to average assets | 2.1094% | 342 |
| Noninterest expense to average assets | 4.9793% | 296 |
| Loan and lease loss provision to assets | 0.0574% | 2,784 |
| Net operating income to assets | 0.3444% | 5,265 |
| Return on assets (ROA) | 0.3444% | 5,384 |
| Pretax return on assets | 0.5166% | 5,137 |
| Return on Equity (ROE) | 2.6804% | 5,481 |
| Retained earnings to average equity (ytd only) | 2.6804% | 4,338 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6641% | 872 |
| Assets per employee ($millions) | 2.5262% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 1,674 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 5,031 |
| Noncurrent loans to loans | 0.4313% | 4,302 |
| Net loans and leases to total assets | 51.6590% | 4,688 |
| Net loans and leases to deposits | 60.2341% | 4,730 |
| Net loans and leases to core deposits | 63.5909% | 4,734 |
| Total domestic deposits to total assets | 85.7636% | 3,060 |
| Equity capital to assets | 12.9480% | 1,430 |
| Core capital (leverage) ratio | 13.4968% | 973 |
| Tier 1 risk-based capital ratio | 19.1412% | 1,829 |
| Total risk-based capital ratio | 20.3918% | 1,786 |
| Memoranda: | ||
| Average total assets | $27,875,500 | 6,212 |
| Average earning assets | $23,939,000 | 6,213 |
| Average equity | $3,581,500 | 6,114 |
| Average total loans | $14,854,500 | 6,091 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4816% | 328 |
| Cost of funding earning assets | 0.5421% | 2,273 |
| Net interest margin | 4.9395% | 335 |
| Noninterest income to average assets | 2.2396% | 286 |
| Noninterest expense to average assets | 5.1264% | 286 |
| Loan and lease loss provision to assets | 0.0294% | 4,019 |
| Net operating income to assets | 0.8348% | 3,198 |
| Return on assets (ROA) | 0.8348% | 3,294 |
| Pretax return on assets | 1.2724% | 2,339 |
| Return on Equity (ROE) | 6.6413% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.6413% | 1,576 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7483% | 1,972 |
| Assets per employee ($millions) | 2.3303% | 6,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 1,948 |
| Loan loss allowance to noncurrent loans | 370.1493% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 5,061 |
| Noncurrent loans to loans | 0.4436% | 4,313 |
| Net loans and leases to total assets | 53.1202% | 4,672 |
| Net loans and leases to deposits | 65.8072% | 4,348 |
| Net loans and leases to core deposits | 69.6913% | 4,349 |
| Total domestic deposits to total assets | 80.7210% | 4,816 |
| Equity capital to assets | 12.7490% | 1,503 |
| Core capital (leverage) ratio | 12.9792% | 1,149 |
| Tier 1 risk-based capital ratio | 16.2942% | 2,816 |
| Total risk-based capital ratio | 17.3750% | 2,843 |
| Memoranda: | ||
| Average total assets | $27,192,600 | 6,307 |
| Average earning assets | $23,058,800 | 6,315 |
| Average equity | $3,418,000 | 6,195 |
| Average total loans | $14,818,200 | 6,164 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1493% | 577 |
| Cost of funding earning assets | 0.5494% | 2,299 |
| Net interest margin | 4.5999% | 617 |
| Noninterest income to average assets | 2.0790% | 323 |
| Noninterest expense to average assets | 4.9233% | 325 |
| Loan and lease loss provision to assets | 0.0296% | 3,815 |
| Net operating income to assets | 0.6617% | 4,149 |
| Return on assets (ROA) | 0.6617% | 4,254 |
| Pretax return on assets | 1.0123% | 3,545 |
| Return on Equity (ROE) | 5.2838% | 4,586 |
| Retained earnings to average equity (ytd only) | 5.2838% | 2,893 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5331% | 1,550 |
| Assets per employee ($millions) | 2.0520% | 6,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5425% | 2,533 |
| Loan loss allowance to noncurrent loans | 150.9202% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 4,004 |
| Noncurrent loans to loans | 1.0221% | 3,030 |
| Net loans and leases to total assets | 58.8619% | 3,951 |
| Net loans and leases to deposits | 68.8473% | 4,039 |
| Net loans and leases to core deposits | 69.6350% | 4,359 |
| Total domestic deposits to total assets | 85.4963% | 3,116 |
| Equity capital to assets | 12.9630% | 1,450 |
| Core capital (leverage) ratio | 13.4584% | 1,013 |
| Tier 1 risk-based capital ratio | 15.5263% | 3,301 |
| Total risk-based capital ratio | 16.5793% | 3,342 |
| Memoranda: | ||
| Average total assets | $27,000,000 | 6,388 |
| Average earning assets | $22,811,500 | 6,396 |
| Average equity | $3,381,250 | 6,271 |
| Average total loans | $14,747,250 | 6,236 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1185% | 594 |
| Cost of funding earning assets | 0.5512% | 2,337 |
| Net interest margin | 4.5673% | 617 |
| Noninterest income to average assets | 2.0215% | 337 |
| Noninterest expense to average assets | 4.9432% | 324 |
| Loan and lease loss provision to assets | 0.0443% | 3,432 |
| Net operating income to assets | 0.5755% | 4,483 |
| Return on assets (ROA) | 0.5755% | 4,587 |
| Pretax return on assets | 0.8853% | 3,938 |
| Return on Equity (ROE) | 4.6488% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.6488% | 3,188 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1709% | 1,492 |
| Assets per employee ($millions) | 1.9692% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6917% | 2,157 |
| Loan loss allowance to noncurrent loans | 144.7059% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.6641% | 3,997 |
| Noncurrent loans to loans | 1.1690% | 2,887 |
| Net loans and leases to total assets | 55.8459% | 4,306 |
| Net loans and leases to deposits | 65.5509% | 4,316 |
| Net loans and leases to core deposits | 66.3357% | 4,608 |
| Total domestic deposits to total assets | 85.1947% | 3,411 |
| Equity capital to assets | 13.3091% | 1,225 |
| Core capital (leverage) ratio | 12.5742% | 1,354 |
| Tier 1 risk-based capital ratio | 18.1455% | 2,189 |
| Total risk-based capital ratio | 19.3964% | 2,158 |
| Memoranda: | ||
| Average total assets | $27,108,000 | 6,448 |
| Average earning assets | $22,858,330 | 6,462 |
| Average equity | $3,355,670 | 6,327 |
| Average total loans | $14,347,000 | 6,307 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8534% | 940 |
| Cost of funding earning assets | 0.5206% | 2,709 |
| Net interest margin | 4.3328% | 936 |
| Noninterest income to average assets | 1.8520% | 382 |
| Noninterest expense to average assets | 4.7663% | 364 |
| Loan and lease loss provision to assets | 0.0718% | 2,704 |
| Net operating income to assets | 0.4594% | 4,899 |
| Return on assets (ROA) | 0.4594% | 4,969 |
| Pretax return on assets | 0.7178% | 4,425 |
| Return on Equity (ROE) | 3.8438% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.8438% | 3,820 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7881% | 1,477 |
| Assets per employee ($millions) | 2.3008% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 2,257 |
| Loan loss allowance to noncurrent loans | 331.0811% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 5,372 |
| Noncurrent loans to loans | 0.5219% | 4,608 |
| Net loans and leases to total assets | 50.4636% | 4,856 |
| Net loans and leases to deposits | 58.3019% | 4,910 |
| Net loans and leases to core deposits | 58.9382% | 5,131 |
| Total domestic deposits to total assets | 86.5556% | 3,076 |
| Equity capital to assets | 12.1514% | 1,772 |
| Core capital (leverage) ratio | 12.1849% | 1,548 |
| Tier 1 risk-based capital ratio | 19.1583% | 1,917 |
| Total risk-based capital ratio | 20.4112% | 1,883 |
| Memoranda: | ||
| Average total assets | $27,862,500 | 6,496 |
| Average earning assets | $23,818,500 | 6,503 |
| Average equity | $3,330,000 | 6,386 |
| Average total loans | $14,249,500 | 6,371 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 1,837 |
| Cost of funding earning assets | 0.6222% | 2,461 |
| Net interest margin | 3.9878% | 1,984 |
| Noninterest income to average assets | 2.1186% | 361 |
| Noninterest expense to average assets | 4.7129% | 441 |
| Loan and lease loss provision to assets | 0.0278% | 4,564 |
| Net operating income to assets | 0.5314% | 4,593 |
| Return on assets (ROA) | 0.5314% | 4,716 |
| Pretax return on assets | 0.8057% | 4,122 |
| Return on Equity (ROE) | 4.7152% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.7152% | 2,803 |
| Net charge-offs to loans | 0.0711% | 4,216 |
| Credit loss provision to net charge-offs | 80.0000% | 3,044 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,388 |
| Efficiency ratio | 84.9718% | 1,522 |
| Assets per employee ($millions) | 2.3429% | 6,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 2,479 |
| Loan loss allowance to noncurrent loans | 311.6883% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 5,440 |
| Noncurrent loans to loans | 0.5377% | 4,648 |
| Net loans and leases to total assets | 50.0836% | 5,075 |
| Net loans and leases to deposits | 57.6169% | 5,155 |
| Net loans and leases to core deposits | 59.0646% | 5,300 |
| Total domestic deposits to total assets | 86.9251% | 2,765 |
| Equity capital to assets | 11.7553% | 1,979 |
| Core capital (leverage) ratio | 11.8707% | 1,700 |
| Tier 1 risk-based capital ratio | 19.3283% | 1,831 |
| Total risk-based capital ratio | 20.5812% | 1,793 |
| Memoranda: | ||
| Average total assets | $28,793,200 | 6,549 |
| Average earning assets | $24,750,200 | 6,558 |
| Average equity | $3,244,800 | 6,489 |
| Average total loans | $14,066,800 | 6,447 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 2,020 |
| Cost of funding earning assets | 0.6469% | 2,384 |
| Net interest margin | 3.9081% | 2,244 |
| Noninterest income to average assets | 2.0348% | 408 |
| Noninterest expense to average assets | 4.6633% | 453 |
| Loan and lease loss provision to assets | 0.0322% | 4,368 |
| Net operating income to assets | 0.4649% | 4,953 |
| Return on assets (ROA) | 0.4649% | 5,100 |
| Pretax return on assets | 0.7043% | 4,674 |
| Return on Equity (ROE) | 4.1694% | 5,143 |
| Retained earnings to average equity (ytd only) | 4.1694% | 3,717 |
| Net charge-offs to loans | 0.0952% | 3,611 |
| Credit loss provision to net charge-offs | 70.0000% | 3,072 |
| Earnings coverage of net charge-offs (x) | 16.0038% | 1,832 |
| Efficiency ratio | 86.3598% | 1,334 |
| Assets per employee ($millions) | 2.3246% | 6,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 2,485 |
| Loan loss allowance to noncurrent loans | 298.7500% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 5,574 |
| Noncurrent loans to loans | 0.5825% | 4,746 |
| Net loans and leases to total assets | 48.3814% | 5,306 |
| Net loans and leases to deposits | 55.8009% | 5,388 |
| Net loans and leases to core deposits | 56.4025% | 5,590 |
| Total domestic deposits to total assets | 86.7037% | 2,853 |
| Equity capital to assets | 11.6831% | 2,142 |
| Core capital (leverage) ratio | 11.9033% | 1,736 |
| Tier 1 risk-based capital ratio | 19.7602% | 1,795 |
| Total risk-based capital ratio | 21.0136% | 1,756 |
| Memoranda: | ||
| Average total assets | $28,962,750 | 6,619 |
| Average earning assets | $24,938,750 | 6,629 |
| Average equity | $3,229,750 | 6,563 |
| Average total loans | $14,003,250 | 6,524 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5006% | 2,199 |
| Cost of funding earning assets | 0.6767% | 2,248 |
| Net interest margin | 3.8239% | 2,462 |
| Noninterest income to average assets | 1.9510% | 461 |
| Noninterest expense to average assets | 4.7001% | 446 |
| Loan and lease loss provision to assets | 0.0478% | 4,018 |
| Net operating income to assets | 0.3411% | 5,440 |
| Return on assets (ROA) | 0.3411% | 5,611 |
| Pretax return on assets | 0.5184% | 5,311 |
| Return on Equity (ROE) | 3.1056% | 5,581 |
| Retained earnings to average equity (ytd only) | 3.1056% | 4,341 |
| Net charge-offs to loans | 0.1419% | 2,960 |
| Credit loss provision to net charge-offs | 70.0000% | 2,828 |
| Earnings coverage of net charge-offs (x) | 8.3000% | 2,420 |
| Efficiency ratio | 89.2487% | 1,106 |
| Assets per employee ($millions) | 2.0585% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 2,573 |
| Loan loss allowance to noncurrent loans | 287.9518% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 5,548 |
| Noncurrent loans to loans | 0.6104% | 4,730 |
| Net loans and leases to total assets | 49.9159% | 5,120 |
| Net loans and leases to deposits | 57.7568% | 5,181 |
| Net loans and leases to core deposits | 58.4084% | 5,387 |
| Total domestic deposits to total assets | 86.4243% | 3,152 |
| Equity capital to assets | 12.0212% | 1,902 |
| Core capital (leverage) ratio | 11.6417% | 1,837 |
| Tier 1 risk-based capital ratio | 19.7431% | 1,778 |
| Total risk-based capital ratio | 21.0520% | 1,743 |
| Memoranda: | ||
| Average total assets | $29,318,670 | 6,662 |
| Average earning assets | $25,419,000 | 6,670 |
| Average equity | $3,220,000 | 6,617 |
| Average total loans | $14,092,670 | 6,562 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 3,085 |
| Cost of funding earning assets | 0.6740% | 2,453 |
| Net interest margin | 3.5798% | 3,343 |
| Noninterest income to average assets | 1.8564% | 482 |
| Noninterest expense to average assets | 4.5363% | 516 |
| Loan and lease loss provision to assets | 0.0915% | 3,131 |
| Net operating income to assets | 0.2353% | 5,774 |
| Return on assets (ROA) | 0.2353% | 5,900 |
| Pretax return on assets | 0.3530% | 5,709 |
| Return on Equity (ROE) | 2.2350% | 5,864 |
| Retained earnings to average equity (ytd only) | 2.2350% | 4,893 |
| Net charge-offs to loans | 0.2510% | 1,950 |
| Credit loss provision to net charge-offs | 77.7778% | 2,184 |
| Earnings coverage of net charge-offs (x) | 3.7778% | 2,678 |
| Efficiency ratio | 91.0761% | 1,061 |
| Assets per employee ($millions) | 2.3061% | 6,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 2,934 |
| Loan loss allowance to noncurrent loans | 271.5909% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 5,622 |
| Noncurrent loans to loans | 0.6323% | 4,867 |
| Net loans and leases to total assets | 49.4309% | 5,060 |
| Net loans and leases to deposits | 56.8726% | 5,152 |
| Net loans and leases to core deposits | 57.4893% | 5,391 |
| Total domestic deposits to total assets | 86.9150% | 3,008 |
| Equity capital to assets | 11.6503% | 2,290 |
| Core capital (leverage) ratio | 10.7158% | 2,536 |
| Tier 1 risk-based capital ratio | 18.6802% | 2,131 |
| Total risk-based capital ratio | 19.9310% | 2,104 |
| Memoranda: | ||
| Average total assets | $30,597,500 | 6,693 |
| Average earning assets | $26,705,500 | 6,700 |
| Average equity | $3,221,500 | 6,675 |
| Average total loans | $14,340,500 | 6,613 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4319% | 714 |
| Cost of funding earning assets | 0.6853% | 3,610 |
| Net interest margin | 4.7466% | 599 |
| Noninterest income to average assets | 2.6144% | 297 |
| Noninterest expense to average assets | 5.5609% | 267 |
| Loan and lease loss provision to assets | 0.0234% | 5,600 |
| Net operating income to assets | 0.6956% | 3,761 |
| Return on assets (ROA) | 0.6956% | 4,018 |
| Pretax return on assets | 1.0629% | 3,301 |
| Return on Equity (ROE) | 5.7125% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.7125% | 2,243 |
| Net charge-offs to loans | 0.0427% | 5,317 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 46.3333% | 711 |
| Efficiency ratio | 83.6567% | 1,668 |
| Assets per employee ($millions) | 2.7935% | 6,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 3,149 |
| Loan loss allowance to noncurrent loans | 234.9515% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 5,755 |
| Noncurrent loans to loans | 0.6977% | 4,798 |
| Net loans and leases to total assets | 43.3178% | 5,879 |
| Net loans and leases to deposits | 48.6743% | 6,058 |
| Net loans and leases to core deposits | 49.0989% | 6,202 |
| Total domestic deposits to total assets | 88.9953% | 1,566 |
| Equity capital to assets | 9.6026% | 4,746 |
| Core capital (leverage) ratio | 12.1996% | 1,452 |
| Tier 1 risk-based capital ratio | 18.3699% | 2,148 |
| Total risk-based capital ratio | 19.6763% | 2,091 |
| Memoranda: | ||
| Average total assets | $25,589,200 | 6,854 |
| Average earning assets | $21,741,800 | 6,867 |
| Average equity | $3,116,000 | 6,760 |
| Average total loans | $14,047,600 | 6,698 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9729% | 292 |
| Cost of funding earning assets | 0.7357% | 3,473 |
| Net interest margin | 5.2373% | 275 |
| Noninterest income to average assets | 2.9032% | 259 |
| Noninterest expense to average assets | 5.8571% | 226 |
| Loan and lease loss provision to assets | 0.0283% | 5,428 |
| Net operating income to assets | 0.9150% | 2,906 |
| Return on assets (ROA) | 0.9150% | 3,132 |
| Pretax return on assets | 1.4007% | 2,234 |
| Return on Equity (ROE) | 6.9894% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.9894% | 2,137 |
| Net charge-offs to loans | 0.1154% | 4,226 |
| Credit loss provision to net charge-offs | 41.6667% | 4,582 |
| Earnings coverage of net charge-offs (x) | 21.0825% | 1,423 |
| Efficiency ratio | 80.3876% | 2,036 |
| Assets per employee ($millions) | 1.8888% | 7,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 3,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 54.5369% | 4,663 |
| Net loans and leases to deposits | 64.4356% | 4,664 |
| Net loans and leases to core deposits | 65.2424% | 5,029 |
| Total domestic deposits to total assets | 84.6379% | 3,919 |
| Equity capital to assets | 13.0569% | 1,570 |
| Core capital (leverage) ratio | 13.0726% | 1,164 |
| Tier 1 risk-based capital ratio | 19.3964% | 1,896 |
| Total risk-based capital ratio | 20.6478% | 1,872 |
| Memoranda: | ||
| Average total assets | $23,606,000 | 6,989 |
| Average earning assets | $19,755,250 | 7,000 |
| Average equity | $3,090,250 | 6,852 |
| Average total loans | $13,868,750 | 6,790 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9309% | 331 |
| Cost of funding earning assets | 0.7311% | 3,761 |
| Net interest margin | 5.1998% | 288 |
| Noninterest income to average assets | 2.9197% | 254 |
| Noninterest expense to average assets | 6.0369% | 215 |
| Loan and lease loss provision to assets | 0.0258% | 5,341 |
| Net operating income to assets | 0.7299% | 3,706 |
| Return on assets (ROA) | 0.7299% | 3,978 |
| Pretax return on assets | 1.1936% | 2,949 |
| Return on Equity (ROE) | 5.5707% | 4,543 |
| Retained earnings to average equity (ytd only) | 5.5707% | 2,946 |
| Net charge-offs to loans | -0.0143% | 6,360 |
| Credit loss provision to net charge-offs | -300.0000% | 6,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1953% | 1,723 |
| Assets per employee ($millions) | 2.0179% | 7,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7842% | 2,906 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 55.9240% | 4,481 |
| Net loans and leases to deposits | 65.8369% | 4,524 |
| Net loans and leases to core deposits | 67.9274% | 4,795 |
| Total domestic deposits to total assets | 84.9432% | 3,887 |
| Equity capital to assets | 12.8515% | 1,596 |
| Core capital (leverage) ratio | 13.2549% | 1,068 |
| Tier 1 risk-based capital ratio | 18.8516% | 2,008 |
| Total risk-based capital ratio | 20.1038% | 1,987 |
| Memoranda: | ||
| Average total assets | $23,290,000 | 7,056 |
| Average earning assets | $19,423,670 | 7,066 |
| Average equity | $3,051,670 | 6,901 |
| Average total loans | $13,949,670 | 6,846 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8501% | 391 |
| Cost of funding earning assets | 0.7392% | 3,952 |
| Net interest margin | 5.1109% | 336 |
| Noninterest income to average assets | 2.8212% | 263 |
| Noninterest expense to average assets | 5.9577% | 212 |
| Loan and lease loss provision to assets | 0.0350% | 4,943 |
| Net operating income to assets | 0.6483% | 4,128 |
| Return on assets (ROA) | 0.6483% | 4,342 |
| Pretax return on assets | 1.0689% | 3,442 |
| Return on Equity (ROE) | 4.8982% | 4,831 |
| Retained earnings to average equity (ytd only) | 4.8982% | 3,614 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3672% | 1,649 |
| Assets per employee ($millions) | 1.7647% | 7,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 3,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 60.1456% | 3,633 |
| Net loans and leases to deposits | 71.2780% | 3,540 |
| Net loans and leases to core deposits | 73.2689% | 3,983 |
| Total domestic deposits to total assets | 84.3817% | 4,332 |
| Equity capital to assets | 13.2645% | 1,334 |
| Core capital (leverage) ratio | 13.7427% | 867 |
| Tier 1 risk-based capital ratio | 18.4901% | 2,150 |
| Total risk-based capital ratio | 19.7382% | 2,121 |
| Memoranda: | ||
| Average total assets | $22,827,500 | 7,124 |
| Average earning assets | $18,940,000 | 7,131 |
| Average equity | $3,021,500 | 6,959 |
| Average total loans | $14,030,500 | 6,903 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5067% | 179 |
| Cost of funding earning assets | 0.8971% | 4,143 |
| Net interest margin | 5.6096% | 152 |
| Noninterest income to average assets | 3.1675% | 200 |
| Noninterest expense to average assets | 6.3256% | 180 |
| Loan and lease loss provision to assets | 0.0282% | 6,219 |
| Net operating income to assets | 0.8835% | 2,674 |
| Return on assets (ROA) | 0.8835% | 2,807 |
| Pretax return on assets | 1.3394% | 1,986 |
| Return on Equity (ROE) | 6.4765% | 3,659 |
| Retained earnings to average equity (ytd only) | 6.4765% | 1,751 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2236% | 1,989 |
| Assets per employee ($millions) | 1.7472% | 7,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7262% | 3,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 60.6542% | 3,855 |
| Net loans and leases to deposits | 71.8488% | 3,819 |
| Net loans and leases to core deposits | 75.8353% | 4,005 |
| Total domestic deposits to total assets | 84.4193% | 4,128 |
| Equity capital to assets | 13.2077% | 1,393 |
| Core capital (leverage) ratio | 13.7438% | 883 |
| Tier 1 risk-based capital ratio | 18.9191% | 1,925 |
| Total risk-based capital ratio | 20.2308% | 1,859 |
| Memoranda: | ||
| Average total assets | $21,278,600 | 7,174 |
| Average earning assets | $17,167,000 | 7,202 |
| Average equity | $2,902,800 | 7,027 |
| Average total loans | $14,321,400 | 6,934 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6402% | 158 |
| Cost of funding earning assets | 0.9008% | 4,391 |
| Net interest margin | 5.7394% | 126 |
| Noninterest income to average assets | 3.3014% | 190 |
| Noninterest expense to average assets | 6.4754% | 166 |
| Loan and lease loss provision to assets | 0.0319% | 6,044 |
| Net operating income to assets | 0.9114% | 2,697 |
| Return on assets (ROA) | 0.9114% | 2,831 |
| Pretax return on assets | 1.3830% | 1,991 |
| Return on Equity (ROE) | 6.6236% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.6236% | 2,183 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0679% | 1,964 |
| Assets per employee ($millions) | 1.7268% | 7,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 3,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 5,648 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 62.1141% | 3,694 |
| Net loans and leases to deposits | 82.4601% | 2,268 |
| Net loans and leases to core deposits | 87.6871% | 2,530 |
| Total domestic deposits to total assets | 75.3263% | 6,603 |
| Equity capital to assets | 13.1632% | 1,530 |
| Core capital (leverage) ratio | 13.8719% | 932 |
| Tier 1 risk-based capital ratio | 18.4147% | 2,112 |
| Total risk-based capital ratio | 19.6672% | 2,080 |
| Memoranda: | ||
| Average total assets | $20,919,750 | 7,257 |
| Average earning assets | $16,726,000 | 7,289 |
| Average equity | $2,878,500 | 7,099 |
| Average total loans | $14,397,000 | 7,002 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8893% | 122 |
| Cost of funding earning assets | 0.9136% | 4,560 |
| Net interest margin | 5.9757% | 95 |
| Noninterest income to average assets | 3.2631% | 201 |
| Noninterest expense to average assets | 6.6732% | 159 |
| Loan and lease loss provision to assets | 0.0294% | 5,942 |
| Net operating income to assets | 0.8623% | 2,812 |
| Return on assets (ROA) | 0.8623% | 2,904 |
| Pretax return on assets | 1.3033% | 2,129 |
| Return on Equity (ROE) | 6.1689% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.1689% | 2,319 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3537% | 1,904 |
| Assets per employee ($millions) | 1.6248% | 7,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6961% | 3,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 5,674 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 65.5809% | 3,118 |
| Net loans and leases to deposits | 88.5282% | 1,428 |
| Net loans and leases to core deposits | 94.6239% | 1,832 |
| Total domestic deposits to total assets | 74.0792% | 6,835 |
| Equity capital to assets | 13.7298% | 1,191 |
| Core capital (leverage) ratio | 13.9155% | 891 |
| Tier 1 risk-based capital ratio | 18.2654% | 2,087 |
| Total risk-based capital ratio | 19.5188% | 2,042 |
| Memoranda: | ||
| Average total assets | $20,410,000 | 7,338 |
| Average earning assets | $16,199,000 | 7,377 |
| Average equity | $2,853,000 | 7,166 |
| Average total loans | $14,467,670 | 7,065 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9770% | 112 |
| Cost of funding earning assets | 0.9353% | 4,685 |
| Net interest margin | 6.0416% | 94 |
| Noninterest income to average assets | 3.1714% | 208 |
| Noninterest expense to average assets | 6.8415% | 156 |
| Loan and lease loss provision to assets | 0.0399% | 5,495 |
| Net operating income to assets | 0.6981% | 3,522 |
| Return on assets (ROA) | 0.6981% | 3,587 |
| Pretax return on assets | 1.0571% | 2,913 |
| Return on Equity (ROE) | 4.9479% | 4,434 |
| Retained earnings to average equity (ytd only) | 4.9479% | 3,227 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1809% | 1,697 |
| Assets per employee ($millions) | 1.5459% | 7,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 3,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6568% | 5,647 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 69.5129% | 2,219 |
| Net loans and leases to deposits | 95.0275% | 750 |
| Net loans and leases to core deposits | 107.9848% | 843 |
| Total domestic deposits to total assets | 73.1502% | 6,985 |
| Equity capital to assets | 14.1663% | 957 |
| Core capital (leverage) ratio | 14.0309% | 842 |
| Tier 1 risk-based capital ratio | 17.6012% | 2,246 |
| Total risk-based capital ratio | 18.8501% | 2,220 |
| Memoranda: | ||
| Average total assets | $20,054,000 | 7,405 |
| Average earning assets | $15,823,500 | 7,442 |
| Average equity | $2,829,500 | 7,216 |
| Average total loans | $14,656,000 | 7,109 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5480% | 77 |
| Cost of funding earning assets | 1.1054% | 5,109 |
| Net interest margin | 6.4426% | 67 |
| Noninterest income to average assets | 3.8928% | 170 |
| Noninterest expense to average assets | 7.3904% | 136 |
| Loan and lease loss provision to assets | 0.0316% | 6,820 |
| Net operating income to assets | 0.9745% | 2,125 |
| Return on assets (ROA) | 0.9745% | 2,240 |
| Pretax return on assets | 1.4749% | 1,440 |
| Return on Equity (ROE) | 6.8266% | 3,200 |
| Retained earnings to average equity (ytd only) | 6.8266% | 1,398 |
| Net charge-offs to loans | -0.0290% | 7,397 |
| Credit loss provision to net charge-offs | -150.0000% | 7,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0669% | 2,045 |
| Assets per employee ($millions) | 1.6676% | 7,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5624% | 3,728 |
| Loan loss allowance to noncurrent loans | 7,866.6667% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.6746% | 5,658 |
| Noncurrent loans to loans | 0.0199% | 7,094 |
| Net loans and leases to total assets | 74.3041% | 1,601 |
| Net loans and leases to deposits | 101.4880% | 507 |
| Net loans and leases to core deposits | 122.4693% | 462 |
| Total domestic deposits to total assets | 73.2147% | 6,981 |
| Equity capital to assets | 14.0523% | 1,018 |
| Core capital (leverage) ratio | 13.8898% | 866 |
| Tier 1 risk-based capital ratio | 17.0672% | 2,325 |
| Total risk-based capital ratio | 18.3782% | 2,271 |
| Memoranda: | ||
| Average total assets | $18,984,000 | 7,488 |
| Average earning assets | $14,745,600 | 7,531 |
| Average equity | $2,710,000 | 7,350 |
| Average total loans | $13,782,200 | 7,214 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5627% | 83 |
| Cost of funding earning assets | 1.1422% | 5,189 |
| Net interest margin | 6.4204% | 72 |
| Noninterest income to average assets | 3.8802% | 178 |
| Noninterest expense to average assets | 7.1979% | 137 |
| Loan and lease loss provision to assets | 0.0285% | 6,783 |
| Net operating income to assets | 1.0680% | 2,012 |
| Return on assets (ROA) | 1.0680% | 2,123 |
| Pretax return on assets | 1.6161% | 1,304 |
| Return on Equity (ROE) | 7.4502% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.4502% | 1,617 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4010% | 2,142 |
| Assets per employee ($millions) | 1.7615% | 7,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 3,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5689% | 4,088 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 74.4130% | 1,710 |
| Net loans and leases to deposits | 103.2658% | 466 |
| Net loans and leases to core deposits | 129.4810% | 387 |
| Total domestic deposits to total assets | 72.0597% | 7,126 |
| Equity capital to assets | 14.3314% | 1,074 |
| Core capital (leverage) ratio | 14.2762% | 867 |
| Tier 1 risk-based capital ratio | 16.9671% | 2,349 |
| Total risk-based capital ratio | 18.2746% | 2,297 |
| Memoranda: | ||
| Average total assets | $18,727,250 | 7,593 |
| Average earning assets | $14,474,250 | 7,633 |
| Average equity | $2,684,500 | 7,452 |
| Average total loans | $13,451,500 | 7,328 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5178% | 90 |
| Cost of funding earning assets | 1.1900% | 5,187 |
| Net interest margin | 6.3279% | 79 |
| Noninterest income to average assets | 3.5439% | 184 |
| Noninterest expense to average assets | 7.2607% | 141 |
| Loan and lease loss provision to assets | 0.0324% | 6,624 |
| Net operating income to assets | 0.7455% | 3,216 |
| Return on assets (ROA) | 0.7455% | 3,366 |
| Pretax return on assets | 1.1345% | 2,656 |
| Return on Equity (ROE) | 5.2003% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.2003% | 2,776 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1538% | 1,694 |
| Assets per employee ($millions) | 1.4449% | 7,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6725% | 3,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7027% | 5,730 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 71.6727% | 2,495 |
| Net loans and leases to deposits | 99.9035% | 734 |
| Net loans and leases to core deposits | 126.4131% | 501 |
| Total domestic deposits to total assets | 71.7419% | 7,198 |
| Equity capital to assets | 14.3580% | 1,047 |
| Core capital (leverage) ratio | 14.5571% | 807 |
| Tier 1 risk-based capital ratio | 17.5118% | 2,099 |
| Total risk-based capital ratio | 18.8235% | 2,047 |
| Memoranda: | ||
| Average total assets | $18,510,670 | 7,669 |
| Average earning assets | $14,286,000 | 7,698 |
| Average equity | $2,653,670 | 7,514 |
| Average total loans | $13,052,330 | 7,396 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2845% | 121 |
| Cost of funding earning assets | 1.3270% | 4,638 |
| Net interest margin | 5.9575% | 112 |
| Noninterest income to average assets | 3.1566% | 203 |
| Noninterest expense to average assets | 7.4235% | 138 |
| Loan and lease loss provision to assets | 0.0435% | 6,236 |
| Net operating income to assets | 0.1959% | 5,705 |
| Return on assets (ROA) | 0.1959% | 5,824 |
| Pretax return on assets | 0.2830% | 5,653 |
| Return on Equity (ROE) | 1.3678% | 6,008 |
| Retained earnings to average equity (ytd only) | 1.3678% | 5,263 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7865% | 1,038 |
| Assets per employee ($millions) | 1.4917% | 7,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7732% | 2,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 5,687 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 70.2514% | 2,865 |
| Net loans and leases to deposits | 98.6971% | 848 |
| Net loans and leases to core deposits | 132.1459% | 435 |
| Total domestic deposits to total assets | 71.1788% | 7,332 |
| Equity capital to assets | 14.7263% | 949 |
| Core capital (leverage) ratio | 14.2540% | 908 |
| Tier 1 risk-based capital ratio | 18.0597% | 1,930 |
| Total risk-based capital ratio | 19.3135% | 1,900 |
| Memoranda: | ||
| Average total assets | $18,374,000 | 7,766 |
| Average earning assets | $14,167,000 | 7,799 |
| Average equity | $2,632,000 | 7,599 |
| Average total loans | $12,732,500 | 7,513 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7186% | 102 |
| Cost of funding earning assets | 1.5208% | 5,433 |
| Net interest margin | 6.1978% | 96 |
| Noninterest income to average assets | 4.8133% | 149 |
| Noninterest expense to average assets | 7.7908% | 157 |
| Loan and lease loss provision to assets | 0.0344% | 7,189 |
| Net operating income to assets | 1.2851% | 1,058 |
| Return on assets (ROA) | 1.2851% | 1,113 |
| Pretax return on assets | 1.9448% | 455 |
| Return on Equity (ROE) | 8.8384% | 2,075 |
| Retained earnings to average equity (ytd only) | 8.8384% | 518 |
| Net charge-offs to loans | -0.0155% | 7,774 |
| Credit loss provision to net charge-offs | -300.0000% | 7,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7416% | 2,926 |
| Assets per employee ($millions) | 1.5707% | 7,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7847% | 2,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3370% | 4,423 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 65.9858% | 4,152 |
| Net loans and leases to deposits | 108.8387% | 426 |
| Net loans and leases to core deposits | 143.5314% | 690 |
| Total domestic deposits to total assets | 60.6271% | 7,789 |
| Equity capital to assets | 13.9431% | 1,187 |
| Core capital (leverage) ratio | 13.8425% | 1,011 |
| Tier 1 risk-based capital ratio | 18.5554% | 1,738 |
| Total risk-based capital ratio | 19.8757% | 1,696 |
| Memoranda: | ||
| Average total assets | $17,430,800 | 7,842 |
| Average earning assets | $13,940,400 | 7,872 |
| Average equity | $2,534,400 | 7,721 |
| Average total loans | $12,903,200 | 7,551 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8780% | 92 |
| Cost of funding earning assets | 1.5911% | 5,447 |
| Net interest margin | 6.2869% | 86 |
| Noninterest income to average assets | 4.6378% | 145 |
| Noninterest expense to average assets | 7.4018% | 179 |
| Loan and lease loss provision to assets | 0.0391% | 6,975 |
| Net operating income to assets | 1.4835% | 845 |
| Return on assets (ROA) | 1.4835% | 902 |
| Pretax return on assets | 2.2565% | 308 |
| Return on Equity (ROE) | 10.0888% | 1,881 |
| Retained earnings to average equity (ytd only) | 10.0888% | 623 |
| Net charge-offs to loans | -0.0103% | 7,686 |
| Credit loss provision to net charge-offs | -500.0000% | 7,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3285% | 3,448 |
| Assets per employee ($millions) | 1.5142% | 7,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 2,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 5,680 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 67.9637% | 3,971 |
| Net loans and leases to deposits | 99.3803% | 1,168 |
| Net loans and leases to core deposits | 130.1127% | 1,432 |
| Total domestic deposits to total assets | 68.3875% | 7,541 |
| Equity capital to assets | 14.2708% | 1,217 |
| Core capital (leverage) ratio | 14.5879% | 938 |
| Tier 1 risk-based capital ratio | 18.8281% | 1,788 |
| Total risk-based capital ratio | 20.1496% | 1,729 |
| Memoranda: | ||
| Average total assets | $17,076,500 | 7,932 |
| Average earning assets | $13,742,500 | 7,957 |
| Average equity | $2,511,000 | 7,805 |
| Average total loans | $12,963,250 | 7,624 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9445% | 97 |
| Cost of funding earning assets | 1.6391% | 5,563 |
| Net interest margin | 6.3054% | 85 |
| Noninterest income to average assets | 5.1460% | 130 |
| Noninterest expense to average assets | 7.4797% | 186 |
| Loan and lease loss provision to assets | 0.0359% | 6,886 |
| Net operating income to assets | 1.8071% | 455 |
| Return on assets (ROA) | 1.8071% | 495 |
| Pretax return on assets | 2.7405% | 140 |
| Return on Equity (ROE) | 12.1594% | 1,368 |
| Retained earnings to average equity (ytd only) | 12.1594% | 417 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9288% | 4,220 |
| Assets per employee ($millions) | 1.4601% | 8,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6798% | 2,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 5,536 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 73.8257% | 2,751 |
| Net loans and leases to deposits | 106.8478% | 718 |
| Net loans and leases to core deposits | 142.8650% | 895 |
| Total domestic deposits to total assets | 69.0942% | 7,548 |
| Equity capital to assets | 14.5768% | 1,148 |
| Core capital (leverage) ratio | 14.4957% | 1,022 |
| Tier 1 risk-based capital ratio | 18.3569% | 1,911 |
| Total risk-based capital ratio | 19.6794% | 1,844 |
| Memoranda: | ||
| Average total assets | $16,712,000 | 8,024 |
| Average earning assets | $13,544,000 | 8,052 |
| Average equity | $2,483,670 | 7,883 |
| Average total loans | $13,093,330 | 7,694 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1120% | 83 |
| Cost of funding earning assets | 1.6345% | 5,887 |
| Net interest margin | 6.4775% | 75 |
| Noninterest income to average assets | 5.8378% | 116 |
| Noninterest expense to average assets | 7.6774% | 166 |
| Loan and lease loss provision to assets | 0.0491% | 6,357 |
| Net operating income to assets | 2.2076% | 228 |
| Return on assets (ROA) | 2.2076% | 264 |
| Pretax return on assets | 3.3604% | 91 |
| Return on Equity (ROE) | 14.7029% | 1,033 |
| Retained earnings to average equity (ytd only) | 14.7029% | 446 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2478% | 4,727 |
| Assets per employee ($millions) | 1.4441% | 8,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 2,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8005% | 3,215 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 78.4523% | 1,705 |
| Net loans and leases to deposits | 121.7863% | 254 |
| Net loans and leases to core deposits | 160.6974% | 483 |
| Total domestic deposits to total assets | 64.4180% | 7,825 |
| Equity capital to assets | 14.3921% | 1,258 |
| Core capital (leverage) ratio | 14.8798% | 996 |
| Tier 1 risk-based capital ratio | 17.3822% | 2,219 |
| Total risk-based capital ratio | 18.6995% | 2,147 |
| Memoranda: | ||
| Average total assets | $16,307,500 | 8,082 |
| Average earning assets | $13,215,000 | 8,113 |
| Average equity | $2,448,500 | 7,943 |
| Average total loans | $13,062,000 | 7,744 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3886% | 117 |
| Cost of funding earning assets | 2.0612% | 6,191 |
| Net interest margin | 6.3274% | 84 |
| Noninterest income to average assets | 3.8929% | 154 |
| Noninterest expense to average assets | 8.6735% | 190 |
| Loan and lease loss provision to assets | 0.0132% | 7,202 |
| Net operating income to assets | 0.2170% | 5,798 |
| Return on assets (ROA) | 0.2170% | 5,617 |
| Pretax return on assets | 0.4143% | 5,218 |
| Return on Equity (ROE) | 1.3764% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.3764% | 4,391 |
| Net charge-offs to loans | 0.5350% | 2,223 |
| Credit loss provision to net charge-offs | 3.1746% | 6,645 |
| Earnings coverage of net charge-offs (x) | 1.0317% | 5,615 |
| Efficiency ratio | 95.3035% | 1,200 |
| Assets per employee ($millions) | 1.0919% | 8,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7711% | 1,702 |
| Loan loss allowance to noncurrent loans | 116.5775% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 4.3046% | 906 |
| Noncurrent loans to loans | 1.5192% | 3,509 |
| Net loans and leases to total assets | 79.0985% | 1,867 |
| Net loans and leases to deposits | 117.4454% | 460 |
| Net loans and leases to core deposits | 140.6748% | 1,230 |
| Total domestic deposits to total assets | 67.3492% | 7,535 |
| Equity capital to assets | 15.7203% | 992 |
| Core capital (leverage) ratio | 15.2069% | 978 |
| Tier 1 risk-based capital ratio | 17.9744% | 2,043 |
| Total risk-based capital ratio | 19.2311% | 1,989 |
| Memoranda: | ||
| Average total assets | $15,207,200 | 8,155 |
| Average earning assets | $12,517,000 | 8,177 |
| Average equity | $2,397,600 | 8,022 |
| Average total loans | $11,775,800 | 7,844 |