Home > Apex Banking Company of Georgia > Performance and Condition Ratios
Apex Banking Company of Georgia, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8863% | 2,309 |
| Cost of funding earning assets | 0.4776% | 4,216 |
| Net interest margin | 4.4087% | 700 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 5.3773% | 201 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | -0.6918% | 4,523 |
| Return on assets (ROA) | -0.6933% | 4,509 |
| Pretax return on assets | -0.9641% | 4,519 |
| Return on Equity (ROE) | -7.1600% | 4,484 |
| Retained earnings to average equity (ytd only) | -7.1579% | 4,431 |
| Net charge-offs to loans | 0.0965% | 929 |
| Credit loss provision to net charge-offs | 134.7826% | 1,558 |
| Earnings coverage of net charge-offs (x) | -20.4348% | 4,563 |
| Efficiency ratio | 120.1717% | 77 |
| Assets per employee ($millions) | 2.6591% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 1,221 |
| Loan loss allowance to noncurrent loans | 1,032.4324% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 2,342 |
| Noncurrent loans to loans | 0.1399% | 2,813 |
| Net loans and leases to total assets | 49.0000% | 3,659 |
| Net loans and leases to deposits | 54.3200% | 3,776 |
| Net loans and leases to core deposits | 55.7743% | 3,921 |
| Total domestic deposits to total assets | 90.2100% | 707 |
| Equity capital to assets | 9.5786% | 2,288 |
| Core capital (leverage) ratio | 13.4128% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $52,071,000 | 4,300 |
| Average earning assets | $47,950,600 | 4,273 |
| Average equity | $5,043,400 | 4,257 |
| Average total loans | $23,824,200 | 4,237 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 2,370 |
| Cost of funding earning assets | 0.3704% | 4,290 |
| Net interest margin | 4.3810% | 717 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 5.3184% | 210 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | -0.7007% | 4,549 |
| Return on assets (ROA) | -0.7028% | 4,541 |
| Pretax return on assets | -0.8855% | 4,546 |
| Return on Equity (ROE) | -7.2400% | 4,521 |
| Retained earnings to average equity (ytd only) | -7.2353% | 4,470 |
| Net charge-offs to loans | 0.1324% | 611 |
| Credit loss provision to net charge-offs | 65.2174% | 1,831 |
| Earnings coverage of net charge-offs (x) | -14.2609% | 4,603 |
| Efficiency ratio | 118.8723% | 81 |
| Assets per employee ($millions) | 2.5491% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 1,030 |
| Loan loss allowance to noncurrent loans | 851.1628% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 2,223 |
| Noncurrent loans to loans | 0.1800% | 2,642 |
| Net loans and leases to total assets | 46.1400% | 3,824 |
| Net loans and leases to deposits | 50.6918% | 3,910 |
| Net loans and leases to core deposits | 51.5438% | 3,991 |
| Total domestic deposits to total assets | 91.0200% | 665 |
| Equity capital to assets | 8.8386% | 2,515 |
| Core capital (leverage) ratio | 13.8380% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $51,793,500 | 4,319 |
| Average earning assets | $47,872,250 | 4,289 |
| Average equity | $5,030,750 | 4,272 |
| Average total loans | $23,169,750 | 4,270 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6483% | 2,310 |
| Cost of funding earning assets | 0.2931% | 4,325 |
| Net interest margin | 4.3552% | 747 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 5.0745% | 216 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | -0.5578% | 4,572 |
| Return on assets (ROA) | -0.5608% | 4,568 |
| Pretax return on assets | -0.7068% | 4,570 |
| Return on Equity (ROE) | -5.6100% | 4,554 |
| Retained earnings to average equity (ytd only) | -5.6093% | 4,444 |
| Net charge-offs to loans | 0.2006% | 399 |
| Credit loss provision to net charge-offs | 65.2174% | 1,608 |
| Earnings coverage of net charge-offs (x) | -7.3043% | 4,630 |
| Efficiency ratio | 114.5707% | 82 |
| Assets per employee ($millions) | 2.8831% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 1,041 |
| Loan loss allowance to noncurrent loans | 813.3333% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 2,049 |
| Noncurrent loans to loans | 0.1903% | 2,511 |
| Net loans and leases to total assets | 44.8700% | 3,847 |
| Net loans and leases to deposits | 49.8331% | 3,921 |
| Net loans and leases to core deposits | 50.1054% | 4,016 |
| Total domestic deposits to total assets | 90.0400% | 914 |
| Equity capital to assets | 9.8237% | 1,962 |
| Core capital (leverage) ratio | 13.6127% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $52,064,333 | 4,337 |
| Average earning assets | $48,448,000 | 4,308 |
| Average equity | $5,205,667 | 4,275 |
| Average total loans | $22,930,333 | 4,286 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 2,030 |
| Cost of funding earning assets | 0.2131% | 4,356 |
| Net interest margin | 4.4095% | 672 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 5.1621% | 219 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | -0.6152% | 4,595 |
| Return on assets (ROA) | -0.6213% | 4,584 |
| Pretax return on assets | -0.7747% | 4,592 |
| Return on Equity (ROE) | -6.1600% | 4,567 |
| Retained earnings to average equity (ytd only) | -6.1603% | 4,371 |
| Net charge-offs to loans | 0.0177% | 1,335 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | -85.0000% | 4,686 |
| Efficiency ratio | 114.4558% | 84 |
| Assets per employee ($millions) | 3.3013% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 880 |
| Loan loss allowance to noncurrent loans | 376.6990% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 1,525 |
| Noncurrent loans to loans | 0.4429% | 1,614 |
| Net loans and leases to total assets | 43.3000% | 3,894 |
| Net loans and leases to deposits | 48.3183% | 3,949 |
| Net loans and leases to core deposits | 48.5769% | 4,034 |
| Total domestic deposits to total assets | 89.6100% | 1,295 |
| Equity capital to assets | 10.2611% | 1,684 |
| Core capital (leverage) ratio | 13.4415% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $52,149,000 | 4,395 |
| Average earning assets | $48,804,000 | 4,365 |
| Average equity | $5,259,500 | 4,328 |
| Average total loans | $22,570,000 | 4,357 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7376% | 2,437 |
| Cost of funding earning assets | 0.1885% | 3,848 |
| Net interest margin | 3.5491% | 1,783 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 3.8818% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0359% | 4,546 |
| Return on assets (ROA) | 0.0330% | 4,533 |
| Pretax return on assets | -0.3114% | 4,604 |
| Return on Equity (ROE) | 0.3100% | 4,531 |
| Retained earnings to average equity (ytd only) | 0.3062% | 4,301 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 108.6110% | 95 |
| Assets per employee ($millions) | 3.4318% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 793 |
| Loan loss allowance to noncurrent loans | 257.9310% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 1,747 |
| Noncurrent loans to loans | 0.6626% | 1,124 |
| Net loans and leases to total assets | 41.7800% | 3,994 |
| Net loans and leases to deposits | 46.4606% | 4,035 |
| Net loans and leases to core deposits | 46.7149% | 4,091 |
| Total domestic deposits to total assets | 89.9300% | 1,390 |
| Equity capital to assets | 9.9054% | 1,753 |
| Core capital (leverage) ratio | 14.2122% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $54,587,800 | 4,392 |
| Average earning assets | $48,801,000 | 4,386 |
| Average equity | $5,879,000 | 4,339 |
| Average total loans | $21,101,200 | 4,397 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5652% | 2,436 |
| Cost of funding earning assets | 0.1935% | 3,354 |
| Net interest margin | 3.3716% | 2,065 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 3.6556% | 421 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1266% | 4,530 |
| Return on assets (ROA) | 0.1228% | 4,501 |
| Pretax return on assets | -0.3082% | 4,636 |
| Return on Equity (ROE) | 1.1200% | 4,484 |
| Retained earnings to average equity (ytd only) | 1.1195% | 4,194 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 109.0517% | 97 |
| Assets per employee ($millions) | 3.7253% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7416% | 818 |
| Loan loss allowance to noncurrent loans | 366.6667% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 2,301 |
| Noncurrent loans to loans | 0.4750% | 1,611 |
| Net loans and leases to total assets | 40.4600% | 4,052 |
| Net loans and leases to deposits | 44.7159% | 4,084 |
| Net loans and leases to core deposits | 44.9560% | 4,147 |
| Total domestic deposits to total assets | 90.4800% | 1,442 |
| Equity capital to assets | 9.3454% | 1,984 |
| Core capital (leverage) ratio | 13.8012% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $55,365,500 | 4,418 |
| Average earning assets | $48,916,750 | 4,415 |
| Average equity | $6,074,000 | 4,363 |
| Average total loans | $20,906,000 | 4,432 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3485% | 2,580 |
| Cost of funding earning assets | 0.2001% | 2,909 |
| Net interest margin | 3.1484% | 2,375 |
| Noninterest income to average assets | 0.3367% | 3,141 |
| Noninterest expense to average assets | 3.3418% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3210% | 4,252 |
| Return on assets (ROA) | 0.3154% | 4,209 |
| Pretax return on assets | -0.2800% | 4,617 |
| Return on Equity (ROE) | 2.7495% | 4,252 |
| Retained earnings to average equity (ytd only) | 2.7495% | 3,530 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8915% | 121 |
| Assets per employee ($millions) | 3.7887% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 898 |
| Loan loss allowance to noncurrent loans | 283.3333% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 2,075 |
| Noncurrent loans to loans | 0.6131% | 1,386 |
| Net loans and leases to total assets | 39.8873% | 4,078 |
| Net loans and leases to deposits | 44.6774% | 4,084 |
| Net loans and leases to core deposits | 44.9165% | 4,160 |
| Total domestic deposits to total assets | 89.2783% | 2,059 |
| Equity capital to assets | 10.5539% | 1,406 |
| Core capital (leverage) ratio | 13.5084% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,436,000 | 4,452 |
| Average earning assets | $48,977,000 | 4,470 |
| Average equity | $6,474,000 | 4,371 |
| Average total loans | $20,716,333 | 4,492 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1309% | 2,874 |
| Cost of funding earning assets | 0.2103% | 2,663 |
| Net interest margin | 2.9206% | 2,766 |
| Noninterest income to average assets | 0.3372% | 3,073 |
| Noninterest expense to average assets | 3.1376% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2368% | 4,649 |
| Return on assets (ROA) | -0.2477% | 4,640 |
| Pretax return on assets | -0.3303% | 4,643 |
| Return on Equity (ROE) | -2.0833% | 4,639 |
| Retained earnings to average equity (ytd only) | -2.0833% | 4,253 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.2195% | 122 |
| Assets per employee ($millions) | 4.6530% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8600% | 796 |
| Loan loss allowance to noncurrent loans | 519.4444% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 1,540 |
| Noncurrent loans to loans | 0.3581% | 2,199 |
| Net loans and leases to total assets | 35.3410% | 4,248 |
| Net loans and leases to deposits | 40.1061% | 4,244 |
| Net loans and leases to core deposits | 40.9381% | 4,279 |
| Total domestic deposits to total assets | 88.1188% | 2,474 |
| Equity capital to assets | 11.6180% | 1,087 |
| Core capital (leverage) ratio | 12.5083% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,133,000 | 4,462 |
| Average earning assets | $49,442,500 | 4,491 |
| Average equity | $6,912,000 | 4,369 |
| Average total loans | $20,309,000 | 4,517 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 1,952 |
| Cost of funding earning assets | 0.2811% | 2,586 |
| Net interest margin | 3.4829% | 1,790 |
| Noninterest income to average assets | 0.3416% | 3,370 |
| Noninterest expense to average assets | 2.8715% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1314% | 4,599 |
| Return on assets (ROA) | 0.1279% | 4,612 |
| Pretax return on assets | 0.0929% | 4,643 |
| Return on Equity (ROE) | 0.9807% | 4,613 |
| Retained earnings to average equity (ytd only) | -33.6531% | 4,820 |
| Net charge-offs to loans | 0.2112% | 446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1.2222% | 2,625 |
| Efficiency ratio | 96.7532% | 186 |
| Assets per employee ($millions) | 5.5013% | 3,257 |
| Cash dividends to net income (ytd only)* | 3,531.5068% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8234% | 825 |
| Loan loss allowance to noncurrent loans | 512.3288% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 1,329 |
| Noncurrent loans to loans | 0.3559% | 2,307 |
| Net loans and leases to total assets | 33.2766% | 4,399 |
| Net loans and leases to deposits | 37.9936% | 4,402 |
| Net loans and leases to core deposits | 39.4835% | 4,408 |
| Total domestic deposits to total assets | 87.5847% | 2,244 |
| Equity capital to assets | 12.2286% | 1,159 |
| Core capital (leverage) ratio | 12.9412% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,077,800 | 4,487 |
| Average earning assets | $43,039,400 | 4,582 |
| Average equity | $7,443,600 | 4,385 |
| Average total loans | $21,305,800 | 4,543 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0235% | 1,485 |
| Cost of funding earning assets | 0.2928% | 2,661 |
| Net interest margin | 3.7306% | 1,273 |
| Noninterest income to average assets | 0.3059% | 3,598 |
| Noninterest expense to average assets | 3.0072% | 961 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1162% | 4,687 |
| Return on assets (ROA) | 0.1115% | 4,709 |
| Pretax return on assets | 0.0735% | 4,727 |
| Return on Equity (ROE) | 0.8406% | 4,699 |
| Retained earnings to average equity (ytd only) | -45.2691% | 4,901 |
| Net charge-offs to loans | 0.2852% | 282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 0.7174% | 2,396 |
| Efficiency ratio | 97.4635% | 179 |
| Assets per employee ($millions) | 6.0172% | 2,677 |
| Cash dividends to net income (ytd only)* | 5,485.1064% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8888% | 789 |
| Loan loss allowance to noncurrent loans | 358.6538% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.6167% | 1,231 |
| Noncurrent loans to loans | 0.5266% | 1,991 |
| Net loans and leases to total assets | 35.7769% | 4,401 |
| Net loans and leases to deposits | 40.5632% | 4,433 |
| Net loans and leases to core deposits | 42.3358% | 4,437 |
| Total domestic deposits to total assets | 88.2005% | 1,715 |
| Equity capital to assets | 11.3969% | 1,739 |
| Core capital (leverage) ratio | 10.5014% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,218,750 | 4,553 |
| Average earning assets | $41,886,500 | 4,660 |
| Average equity | $7,454,500 | 4,445 |
| Average total loans | $21,504,500 | 4,604 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 1,434 |
| Cost of funding earning assets | 0.2960% | 2,812 |
| Net interest margin | 3.7624% | 1,199 |
| Noninterest income to average assets | 0.3128% | 3,556 |
| Noninterest expense to average assets | 3.0084% | 969 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1336% | 4,680 |
| Return on assets (ROA) | 0.1265% | 4,705 |
| Pretax return on assets | 0.0668% | 4,753 |
| Return on Equity (ROE) | 0.9135% | 4,713 |
| Retained earnings to average equity (ytd only) | -64.5014% | 4,942 |
| Net charge-offs to loans | 0.3622% | 236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 0.5250% | 2,188 |
| Efficiency ratio | 97.6055% | 189 |
| Assets per employee ($millions) | 6.2799% | 2,355 |
| Cash dividends to net income (ytd only)* | 7,161.1111% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8615% | 790 |
| Loan loss allowance to noncurrent loans | 360.9524% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5927% | 1,410 |
| Noncurrent loans to loans | 0.5157% | 2,129 |
| Net loans and leases to total assets | 35.3527% | 4,480 |
| Net loans and leases to deposits | 39.8361% | 4,528 |
| Net loans and leases to core deposits | 41.4905% | 4,537 |
| Total domestic deposits to total assets | 88.7454% | 1,417 |
| Equity capital to assets | 10.8937% | 2,072 |
| Core capital (leverage) ratio | 9.9137% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,906,667 | 4,576 |
| Average earning assets | $41,888,667 | 4,689 |
| Average equity | $7,882,000 | 4,426 |
| Average total loans | $22,090,000 | 4,626 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2248% | 1,153 |
| Cost of funding earning assets | 0.3087% | 2,899 |
| Net interest margin | 3.9162% | 957 |
| Noninterest income to average assets | 0.2872% | 3,688 |
| Noninterest expense to average assets | 2.9982% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2662% | 4,566 |
| Return on assets (ROA) | 0.2522% | 4,611 |
| Pretax return on assets | 0.1191% | 4,718 |
| Return on Equity (ROE) | 1.6467% | 4,646 |
| Retained earnings to average equity (ytd only) | 1.6467% | 4,085 |
| Net charge-offs to loans | 0.3137% | 268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1.0556% | 1,869 |
| Efficiency ratio | 95.7494% | 251 |
| Assets per employee ($millions) | 5.8997% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8123% | 855 |
| Loan loss allowance to noncurrent loans | 262.0915% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 1,459 |
| Noncurrent loans to loans | 0.6915% | 1,855 |
| Net loans and leases to total assets | 36.8256% | 4,467 |
| Net loans and leases to deposits | 43.3307% | 4,449 |
| Net loans and leases to core deposits | 45.1309% | 4,470 |
| Total domestic deposits to total assets | 84.9874% | 3,098 |
| Equity capital to assets | 14.7363% | 538 |
| Core capital (leverage) ratio | 14.7188% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,100,500 | 4,595 |
| Average earning assets | $41,469,000 | 4,714 |
| Average equity | $8,744,500 | 4,363 |
| Average total loans | $22,955,000 | 4,636 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 1,015 |
| Cost of funding earning assets | 0.3346% | 3,952 |
| Net interest margin | 4.3062% | 503 |
| Noninterest income to average assets | 0.3481% | 3,377 |
| Noninterest expense to average assets | 3.1368% | 1,165 |
| Loan and lease loss provision to assets | 0.0978% | 3,112 |
| Net operating income to assets | 0.6669% | 3,533 |
| Return on assets (ROA) | 0.6669% | 3,663 |
| Pretax return on assets | 0.8135% | 3,602 |
| Return on Equity (ROE) | 3.9533% | 4,171 |
| Retained earnings to average equity (ytd only) | 1.7274% | 3,934 |
| Net charge-offs to loans | 0.6999% | 215 |
| Credit loss provision to net charge-offs | 27.3224% | 3,227 |
| Earnings coverage of net charge-offs (x) | 2.5464% | 3,158 |
| Efficiency ratio | 77.4879% | 1,084 |
| Assets per employee ($millions) | 5.5204% | 2,828 |
| Cash dividends to net income (ytd only)* | 56.3050% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7618% | 928 |
| Loan loss allowance to noncurrent loans | 197.6415% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8007% | 1,280 |
| Noncurrent loans to loans | 0.8914% | 1,579 |
| Net loans and leases to total assets | 42.3230% | 4,334 |
| Net loans and leases to deposits | 50.6010% | 4,285 |
| Net loans and leases to core deposits | 52.8920% | 4,304 |
| Total domestic deposits to total assets | 83.6407% | 3,223 |
| Equity capital to assets | 15.9318% | 432 |
| Core capital (leverage) ratio | 16.2203% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,134,400 | 4,636 |
| Average earning assets | $43,936,400 | 4,672 |
| Average equity | $8,625,600 | 4,358 |
| Average total loans | $26,144,800 | 4,600 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6747% | 1,122 |
| Cost of funding earning assets | 0.3376% | 4,115 |
| Net interest margin | 4.3371% | 545 |
| Noninterest income to average assets | 0.3432% | 3,421 |
| Noninterest expense to average assets | 3.0648% | 1,303 |
| Loan and lease loss provision to assets | 0.1337% | 2,681 |
| Net operating income to assets | 0.7816% | 3,162 |
| Return on assets (ROA) | 0.7795% | 3,284 |
| Pretax return on assets | 0.9710% | 3,158 |
| Return on Equity (ROE) | 4.5514% | 4,014 |
| Retained earnings to average equity (ytd only) | 3.0601% | 3,495 |
| Net charge-offs to loans | 0.9176% | 148 |
| Credit loss provision to net charge-offs | 27.1739% | 2,961 |
| Earnings coverage of net charge-offs (x) | 2.2609% | 3,007 |
| Efficiency ratio | 73.4694% | 1,464 |
| Assets per employee ($millions) | 5.0917% | 3,123 |
| Cash dividends to net income (ytd only)* | 32.7645% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 1,042 |
| Loan loss allowance to noncurrent loans | 129.0123% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0880% | 970 |
| Noncurrent loans to loans | 1.2566% | 1,195 |
| Net loans and leases to total assets | 49.8164% | 4,108 |
| Net loans and leases to deposits | 60.6847% | 4,013 |
| Net loans and leases to core deposits | 63.7344% | 4,021 |
| Total domestic deposits to total assets | 82.0905% | 3,397 |
| Equity capital to assets | 17.3969% | 343 |
| Core capital (leverage) ratio | 16.3625% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,117,000 | 4,674 |
| Average earning assets | $44,237,500 | 4,692 |
| Average equity | $8,583,250 | 4,382 |
| Average total loans | $26,735,250 | 4,610 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7381% | 1,310 |
| Cost of funding earning assets | 0.3554% | 4,246 |
| Net interest margin | 4.3827% | 644 |
| Noninterest income to average assets | 0.3531% | 3,362 |
| Noninterest expense to average assets | 3.1173% | 1,318 |
| Loan and lease loss provision to assets | 0.1003% | 3,015 |
| Net operating income to assets | 0.7895% | 3,070 |
| Return on assets (ROA) | 0.7864% | 3,200 |
| Pretax return on assets | 0.9910% | 3,059 |
| Return on Equity (ROE) | 4.6163% | 3,943 |
| Retained earnings to average equity (ytd only) | 2.3553% | 3,622 |
| Net charge-offs to loans | 1.3086% | 102 |
| Credit loss provision to net charge-offs | 14.1243% | 2,745 |
| Earnings coverage of net charge-offs (x) | 1.5424% | 2,847 |
| Efficiency ratio | 74.0000% | 1,461 |
| Assets per employee ($millions) | 5.1368% | 3,016 |
| Cash dividends to net income (ytd only)* | 48.9796% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 1,157 |
| Loan loss allowance to noncurrent loans | 99.5025% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 1.2498% | 851 |
| Noncurrent loans to loans | 1.5462% | 972 |
| Net loans and leases to total assets | 49.8365% | 4,169 |
| Net loans and leases to deposits | 60.3816% | 4,094 |
| Net loans and leases to core deposits | 63.3710% | 4,108 |
| Total domestic deposits to total assets | 82.5358% | 3,225 |
| Equity capital to assets | 17.0048% | 376 |
| Core capital (leverage) ratio | 16.3394% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,850,333 | 4,691 |
| Average earning assets | $43,899,667 | 4,721 |
| Average equity | $8,491,667 | 4,408 |
| Average total loans | $27,052,667 | 4,618 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0163% | 936 |
| Cost of funding earning assets | 0.3909% | 4,388 |
| Net interest margin | 4.6254% | 390 |
| Noninterest income to average assets | 0.4074% | 3,045 |
| Noninterest expense to average assets | 3.1859% | 1,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9842% | 2,230 |
| Return on assets (ROA) | 0.9778% | 2,357 |
| Pretax return on assets | 1.2629% | 1,983 |
| Return on Equity (ROE) | 5.7348% | 3,415 |
| Retained earnings to average equity (ytd only) | 5.7348% | 1,984 |
| Net charge-offs to loans | 0.1450% | 873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 15.6000% | 1,556 |
| Efficiency ratio | 71.4808% | 2,161 |
| Assets per employee ($millions) | 4.9466% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9982% | 501 |
| Loan loss allowance to noncurrent loans | 136.1809% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 1,685 |
| Noncurrent loans to loans | 1.4673% | 1,091 |
| Net loans and leases to total assets | 53.7399% | 4,011 |
| Net loans and leases to deposits | 65.0699% | 3,922 |
| Net loans and leases to core deposits | 66.7026% | 4,042 |
| Total domestic deposits to total assets | 82.5880% | 3,239 |
| Equity capital to assets | 17.0723% | 433 |
| Core capital (leverage) ratio | 16.6887% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,091,500 | 4,725 |
| Average earning assets | $42,980,000 | 4,759 |
| Average equity | $8,370,000 | 4,447 |
| Average total loans | $27,579,000 | 4,641 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8895% | 1,783 |
| Cost of funding earning assets | 0.3371% | 4,635 |
| Net interest margin | 4.5525% | 644 |
| Noninterest income to average assets | 0.4500% | 3,008 |
| Noninterest expense to average assets | 2.8525% | 2,433 |
| Loan and lease loss provision to assets | 0.1032% | 2,002 |
| Net operating income to assets | 1.2469% | 1,879 |
| Return on assets (ROA) | 1.2632% | 1,909 |
| Pretax return on assets | 1.6409% | 1,362 |
| Return on Equity (ROE) | 7.7111% | 3,287 |
| Retained earnings to average equity (ytd only) | 5.2919% | 2,277 |
| Net charge-offs to loans | 0.1787% | 1,128 |
| Credit loss provision to net charge-offs | 104.1667% | 2,375 |
| Earnings coverage of net charge-offs (x) | 17.3958% | 2,112 |
| Efficiency ratio | 62.3365% | 3,321 |
| Assets per employee ($millions) | 4.8717% | 2,750 |
| Cash dividends to net income (ytd only)* | 31.3725% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9691% | 477 |
| Loan loss allowance to noncurrent loans | 156.3739% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 1,790 |
| Noncurrent loans to loans | 1.2592% | 1,196 |
| Net loans and leases to total assets | 56.4095% | 3,896 |
| Net loans and leases to deposits | 68.2012% | 3,806 |
| Net loans and leases to core deposits | 69.9369% | 3,964 |
| Total domestic deposits to total assets | 82.7103% | 3,300 |
| Equity capital to assets | 17.0269% | 462 |
| Core capital (leverage) ratio | 17.4217% | 375 |
| Tier 1 risk-based capital ratio | 33.8652% | 360 |
| Total risk-based capital ratio | 35.1268% | 353 |
| Memoranda: | ||
| Average total assets | $48,448,200 | 4,778 |
| Average earning assets | $43,910,000 | 4,785 |
| Average equity | $7,936,600 | 4,515 |
| Average total loans | $26,867,400 | 4,713 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8149% | 2,072 |
| Cost of funding earning assets | 0.3264% | 4,729 |
| Net interest margin | 4.4885% | 789 |
| Noninterest income to average assets | 0.4327% | 3,123 |
| Noninterest expense to average assets | 2.9460% | 2,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1675% | 2,310 |
| Return on assets (ROA) | 1.1740% | 2,368 |
| Pretax return on assets | 1.5874% | 1,681 |
| Return on Equity (ROE) | 7.2383% | 3,601 |
| Retained earnings to average equity (ytd only) | 5.6071% | 2,566 |
| Net charge-offs to loans | 0.2157% | 822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 13.3260% | 2,303 |
| Efficiency ratio | 65.1035% | 2,840 |
| Assets per employee ($millions) | 4.6883% | 2,930 |
| Cash dividends to net income (ytd only)* | 22.5356% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7852% | 705 |
| Loan loss allowance to noncurrent loans | 239.1509% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4522% | 2,711 |
| Noncurrent loans to loans | 0.7465% | 2,095 |
| Net loans and leases to total assets | 59.4949% | 3,727 |
| Net loans and leases to deposits | 72.6986% | 3,578 |
| Net loans and leases to core deposits | 74.6441% | 3,791 |
| Total domestic deposits to total assets | 81.8378% | 3,516 |
| Equity capital to assets | 17.6226% | 421 |
| Core capital (leverage) ratio | 17.1864% | 414 |
| Tier 1 risk-based capital ratio | 33.9122% | 375 |
| Total risk-based capital ratio | 35.1689% | 371 |
| Memoranda: | ||
| Average total assets | $48,381,000 | 4,844 |
| Average earning assets | $44,111,750 | 4,852 |
| Average equity | $7,847,000 | 4,578 |
| Average total loans | $26,576,000 | 4,785 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 2,330 |
| Cost of funding earning assets | 0.3111% | 4,801 |
| Net interest margin | 4.4000% | 941 |
| Noninterest income to average assets | 0.4173% | 3,154 |
| Noninterest expense to average assets | 2.8723% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1340% | 2,392 |
| Return on assets (ROA) | 1.1211% | 2,516 |
| Pretax return on assets | 1.5221% | 1,786 |
| Return on Equity (ROE) | 7.1089% | 3,638 |
| Retained earnings to average equity (ytd only) | 4.6182% | 2,969 |
| Net charge-offs to loans | 0.3312% | 516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 8.7442% | 2,387 |
| Efficiency ratio | 65.1206% | 2,960 |
| Assets per employee ($millions) | 4.7844% | 2,760 |
| Cash dividends to net income (ytd only)* | 35.0365% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9034% | 561 |
| Loan loss allowance to noncurrent loans | 176.0417% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6020% | 2,221 |
| Noncurrent loans to loans | 1.0812% | 1,512 |
| Net loans and leases to total assets | 54.6150% | 4,174 |
| Net loans and leases to deposits | 65.9482% | 4,102 |
| Net loans and leases to core deposits | 67.6557% | 4,225 |
| Total domestic deposits to total assets | 82.8150% | 3,266 |
| Equity capital to assets | 16.8004% | 494 |
| Core capital (leverage) ratio | 16.5387% | 480 |
| Tier 1 risk-based capital ratio | 33.6088% | 377 |
| Total risk-based capital ratio | 34.8695% | 365 |
| Memoranda: | ||
| Average total assets | $48,880,330 | 4,872 |
| Average earning assets | $44,364,000 | 4,887 |
| Average equity | $7,708,670 | 4,621 |
| Average total loans | $25,968,000 | 4,831 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7020% | 2,215 |
| Cost of funding earning assets | 0.2905% | 4,872 |
| Net interest margin | 4.4116% | 874 |
| Noninterest income to average assets | 0.4373% | 2,929 |
| Noninterest expense to average assets | 2.7612% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1771% | 2,142 |
| Return on assets (ROA) | 1.1579% | 2,283 |
| Pretax return on assets | 1.5871% | 1,505 |
| Return on Equity (ROE) | 7.5822% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.5822% | 1,808 |
| Net charge-offs to loans | 0.5930% | 251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.2368% | 2,269 |
| Efficiency ratio | 63.1481% | 3,365 |
| Assets per employee ($millions) | 4.8995% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9817% | 520 |
| Loan loss allowance to noncurrent loans | 371.0145% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 3,477 |
| Noncurrent loans to loans | 0.5341% | 2,712 |
| Net loans and leases to total assets | 51.6889% | 4,360 |
| Net loans and leases to deposits | 61.6495% | 4,323 |
| Net loans and leases to core deposits | 63.6642% | 4,400 |
| Total domestic deposits to total assets | 83.8432% | 3,099 |
| Equity capital to assets | 15.8343% | 601 |
| Core capital (leverage) ratio | 16.3087% | 495 |
| Tier 1 risk-based capital ratio | 33.4105% | 373 |
| Total risk-based capital ratio | 34.6693% | 361 |
| Memoranda: | ||
| Average total assets | $49,398,500 | 4,914 |
| Average earning assets | $44,066,000 | 4,942 |
| Average equity | $7,544,000 | 4,676 |
| Average total loans | $25,633,500 | 4,893 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 2,160 |
| Cost of funding earning assets | 0.2605% | 4,754 |
| Net interest margin | 4.3291% | 1,093 |
| Noninterest income to average assets | 0.6033% | 2,274 |
| Noninterest expense to average assets | 2.6151% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4811% | 1,172 |
| Return on assets (ROA) | 1.4811% | 1,158 |
| Pretax return on assets | 1.8786% | 755 |
| Return on Equity (ROE) | 10.4241% | 2,337 |
| Retained earnings to average equity (ytd only) | 7.6973% | 1,377 |
| Net charge-offs to loans | 0.0596% | 2,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 62.0667% | 1,005 |
| Efficiency ratio | 58.1949% | 4,133 |
| Assets per employee ($millions) | 4.9802% | 2,528 |
| Cash dividends to net income (ytd only)* | 26.1580% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1628% | 357 |
| Loan loss allowance to noncurrent loans | 774.6479% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 4,115 |
| Noncurrent loans to loans | 0.2792% | 3,565 |
| Net loans and leases to total assets | 49.9578% | 4,523 |
| Net loans and leases to deposits | 58.7416% | 4,542 |
| Net loans and leases to core deposits | 60.6016% | 4,602 |
| Total domestic deposits to total assets | 85.0468% | 2,627 |
| Equity capital to assets | 14.7183% | 782 |
| Core capital (leverage) ratio | 16.6913% | 439 |
| Tier 1 risk-based capital ratio | 32.5578% | 382 |
| Total risk-based capital ratio | 33.8193% | 376 |
| Memoranda: | ||
| Average total assets | $49,559,200 | 4,946 |
| Average earning assets | $44,535,400 | 4,965 |
| Average equity | $7,041,400 | 4,744 |
| Average total loans | $25,172,800 | 4,931 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5757% | 2,055 |
| Cost of funding earning assets | 0.2574% | 4,747 |
| Net interest margin | 4.3183% | 1,080 |
| Noninterest income to average assets | 0.6599% | 2,025 |
| Noninterest expense to average assets | 2.6182% | 3,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4788% | 1,250 |
| Return on assets (ROA) | 1.4788% | 1,249 |
| Pretax return on assets | 1.9286% | 769 |
| Return on Equity (ROE) | 10.5030% | 2,391 |
| Retained earnings to average equity (ytd only) | 8.6664% | 1,357 |
| Net charge-offs to loans | 0.0159% | 2,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 238.6600% | 386 |
| Efficiency ratio | 57.5829% | 4,177 |
| Assets per employee ($millions) | 4.6574% | 2,902 |
| Cash dividends to net income (ytd only)* | 17.4868% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2357% | 338 |
| Loan loss allowance to noncurrent loans | 1,003.5714% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 4,372 |
| Noncurrent loans to loans | 0.2228% | 3,911 |
| Net loans and leases to total assets | 52.7676% | 4,441 |
| Net loans and leases to deposits | 62.4374% | 4,428 |
| Net loans and leases to core deposits | 64.5700% | 4,485 |
| Total domestic deposits to total assets | 84.5128% | 2,788 |
| Equity capital to assets | 15.1436% | 689 |
| Core capital (leverage) ratio | 16.3745% | 466 |
| Tier 1 risk-based capital ratio | 33.2112% | 362 |
| Total risk-based capital ratio | 34.4741% | 356 |
| Memoranda: | ||
| Average total assets | $49,498,500 | 4,998 |
| Average earning assets | $44,553,000 | 5,022 |
| Average equity | $6,969,250 | 4,804 |
| Average total loans | $25,108,500 | 4,994 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 2,122 |
| Cost of funding earning assets | 0.2393% | 4,807 |
| Net interest margin | 4.2499% | 1,159 |
| Noninterest income to average assets | 0.4398% | 3,218 |
| Noninterest expense to average assets | 2.6152% | 3,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2284% | 2,070 |
| Return on assets (ROA) | 1.2284% | 2,069 |
| Pretax return on assets | 1.6246% | 1,420 |
| Return on Equity (ROE) | 8.9320% | 3,053 |
| Retained earnings to average equity (ytd only) | 6.1660% | 2,475 |
| Net charge-offs to loans | 0.0080% | 2,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 410.0000% | 226 |
| Efficiency ratio | 61.6822% | 3,667 |
| Assets per employee ($millions) | 4.8340% | 2,641 |
| Cash dividends to net income (ytd only)* | 30.9677% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1987% | 372 |
| Loan loss allowance to noncurrent loans | 1,175.0000% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 4,501 |
| Noncurrent loans to loans | 0.1871% | 4,070 |
| Net loans and leases to total assets | 51.8990% | 4,487 |
| Net loans and leases to deposits | 60.8091% | 4,487 |
| Net loans and leases to core deposits | 62.7875% | 4,570 |
| Total domestic deposits to total assets | 85.3475% | 2,548 |
| Equity capital to assets | 14.3132% | 859 |
| Core capital (leverage) ratio | 15.2601% | 622 |
| Tier 1 risk-based capital ratio | 31.3843% | 431 |
| Total risk-based capital ratio | 32.6453% | 427 |
| Memoranda: | ||
| Average total assets | $50,473,330 | 5,040 |
| Average earning assets | $45,130,330 | 5,067 |
| Average equity | $6,941,330 | 4,853 |
| Average total loans | $25,098,670 | 5,052 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3495% | 2,356 |
| Cost of funding earning assets | 0.2175% | 4,911 |
| Net interest margin | 4.1320% | 1,362 |
| Noninterest income to average assets | 0.4191% | 3,321 |
| Noninterest expense to average assets | 2.5999% | 3,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1253% | 2,308 |
| Return on assets (ROA) | 1.1253% | 2,327 |
| Pretax return on assets | 1.5056% | 1,673 |
| Return on Equity (ROE) | 8.3423% | 3,224 |
| Retained earnings to average equity (ytd only) | 8.3423% | 1,715 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3270% | 3,588 |
| Assets per employee ($millions) | 5.1451% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2602% | 343 |
| Loan loss allowance to noncurrent loans | 2,825.0000% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 4,920 |
| Noncurrent loans to loans | 0.0800% | 4,623 |
| Net loans and leases to total assets | 47.4879% | 4,722 |
| Net loans and leases to deposits | 55.0665% | 4,742 |
| Net loans and leases to core deposits | 56.7286% | 4,808 |
| Total domestic deposits to total assets | 86.2374% | 2,430 |
| Equity capital to assets | 13.4166% | 1,065 |
| Core capital (leverage) ratio | 14.7178% | 706 |
| Tier 1 risk-based capital ratio | 30.8093% | 447 |
| Total risk-based capital ratio | 32.0713% | 443 |
| Memoranda: | ||
| Average total assets | $51,540,000 | 5,084 |
| Average earning assets | $45,982,500 | 5,107 |
| Average equity | $6,952,500 | 4,901 |
| Average total loans | $24,822,000 | 5,115 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4820% | 1,777 |
| Cost of funding earning assets | 0.2099% | 4,865 |
| Net interest margin | 4.2721% | 1,029 |
| Noninterest income to average assets | 0.4198% | 3,504 |
| Noninterest expense to average assets | 2.6491% | 3,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0601% | 2,019 |
| Return on assets (ROA) | 1.0601% | 2,039 |
| Pretax return on assets | 1.5723% | 1,374 |
| Return on Equity (ROE) | 7.3570% | 3,096 |
| Retained earnings to average equity (ytd only) | 4.5599% | 2,422 |
| Net charge-offs to loans | 0.0204% | 3,426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 149.8000% | 479 |
| Efficiency ratio | 62.7548% | 3,820 |
| Assets per employee ($millions) | 5.1629% | 2,300 |
| Cash dividends to net income (ytd only)* | 38.0198% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2925% | 313 |
| Loan loss allowance to noncurrent loans | 1,202.1277% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 4,668 |
| Noncurrent loans to loans | 0.1907% | 4,154 |
| Net loans and leases to total assets | 46.6424% | 4,852 |
| Net loans and leases to deposits | 54.0915% | 4,889 |
| Net loans and leases to core deposits | 54.4585% | 4,988 |
| Total domestic deposits to total assets | 86.2287% | 2,336 |
| Equity capital to assets | 13.5621% | 1,038 |
| Core capital (leverage) ratio | 14.8300% | 653 |
| Tier 1 risk-based capital ratio | 29.6460% | 474 |
| Total risk-based capital ratio | 30.9051% | 466 |
| Memoranda: | ||
| Average total assets | $47,638,000 | 5,198 |
| Average earning assets | $42,391,800 | 5,220 |
| Average equity | $6,864,200 | 4,960 |
| Average total loans | $24,536,800 | 5,176 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5432% | 1,521 |
| Cost of funding earning assets | 0.2159% | 4,841 |
| Net interest margin | 4.3273% | 864 |
| Noninterest income to average assets | 0.4174% | 3,575 |
| Noninterest expense to average assets | 2.6872% | 3,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0148% | 2,497 |
| Return on assets (ROA) | 1.0148% | 2,535 |
| Pretax return on assets | 1.5694% | 1,515 |
| Return on Equity (ROE) | 6.9303% | 3,700 |
| Retained earnings to average equity (ytd only) | 5.0561% | 2,851 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1296% | 3,689 |
| Assets per employee ($millions) | 4.7242% | 2,800 |
| Cash dividends to net income (ytd only)* | 27.0430% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3504% | 321 |
| Loan loss allowance to noncurrent loans | 2,375.0000% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 4,977 |
| Noncurrent loans to loans | 0.0990% | 4,669 |
| Net loans and leases to total assets | 50.1270% | 4,689 |
| Net loans and leases to deposits | 59.1168% | 4,679 |
| Net loans and leases to core deposits | 59.5629% | 4,835 |
| Total domestic deposits to total assets | 84.7932% | 2,799 |
| Equity capital to assets | 14.8724% | 755 |
| Core capital (leverage) ratio | 15.6339% | 557 |
| Tier 1 risk-based capital ratio | 30.4600% | 461 |
| Total risk-based capital ratio | 31.7210% | 457 |
| Memoranda: | ||
| Average total assets | $46,640,250 | 5,275 |
| Average earning assets | $41,379,500 | 5,301 |
| Average equity | $6,829,750 | 5,025 |
| Average total loans | $24,509,500 | 5,227 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5157% | 1,480 |
| Cost of funding earning assets | 0.2185% | 4,815 |
| Net interest margin | 4.2972% | 871 |
| Noninterest income to average assets | 0.3876% | 3,768 |
| Noninterest expense to average assets | 2.6960% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9690% | 2,572 |
| Return on assets (ROA) | 0.9690% | 2,622 |
| Pretax return on assets | 1.5030% | 1,625 |
| Return on Equity (ROE) | 6.6525% | 3,748 |
| Retained earnings to average equity (ytd only) | 3.8141% | 3,423 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2051% | 3,635 |
| Assets per employee ($millions) | 4.5741% | 2,981 |
| Cash dividends to net income (ytd only)* | 42.6667% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3300% | 360 |
| Loan loss allowance to noncurrent loans | 4,750.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 5,163 |
| Noncurrent loans to loans | 0.0491% | 4,947 |
| Net loans and leases to total assets | 52.2376% | 4,550 |
| Net loans and leases to deposits | 61.7560% | 4,519 |
| Net loans and leases to core deposits | 62.2385% | 4,704 |
| Total domestic deposits to total assets | 84.5871% | 2,985 |
| Equity capital to assets | 15.1134% | 688 |
| Core capital (leverage) ratio | 15.4776% | 551 |
| Tier 1 risk-based capital ratio | 30.8485% | 435 |
| Total risk-based capital ratio | 32.1098% | 434 |
| Memoranda: | ||
| Average total assets | $46,439,670 | 5,321 |
| Average earning assets | $41,189,670 | 5,340 |
| Average equity | $6,764,330 | 5,063 |
| Average total loans | $24,595,670 | 5,261 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4228% | 1,578 |
| Cost of funding earning assets | 0.2216% | 4,787 |
| Net interest margin | 4.2012% | 990 |
| Noninterest income to average assets | 0.4360% | 3,409 |
| Noninterest expense to average assets | 2.6758% | 3,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9660% | 2,455 |
| Return on assets (ROA) | 0.9660% | 2,508 |
| Pretax return on assets | 1.4875% | 1,580 |
| Return on Equity (ROE) | 6.7564% | 3,517 |
| Retained earnings to average equity (ytd only) | 6.7564% | 1,950 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2710% | 3,784 |
| Assets per employee ($millions) | 4.4861% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3194% | 403 |
| Loan loss allowance to noncurrent loans | 7,125.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 5,275 |
| Noncurrent loans to loans | 0.0326% | 5,073 |
| Net loans and leases to total assets | 53.5097% | 4,380 |
| Net loans and leases to deposits | 63.2993% | 4,349 |
| Net loans and leases to core deposits | 63.8041% | 4,549 |
| Total domestic deposits to total assets | 84.5345% | 3,287 |
| Equity capital to assets | 15.0888% | 638 |
| Core capital (leverage) ratio | 15.4480% | 533 |
| Tier 1 risk-based capital ratio | 30.8123% | 454 |
| Total risk-based capital ratio | 32.0750% | 451 |
| Memoranda: | ||
| Average total assets | $46,789,000 | 5,375 |
| Average earning assets | $41,512,000 | 5,394 |
| Average equity | $6,690,000 | 5,122 |
| Average total loans | $24,661,500 | 5,311 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5934% | 1,297 |
| Cost of funding earning assets | 0.2187% | 4,845 |
| Net interest margin | 4.3747% | 813 |
| Noninterest income to average assets | 0.3521% | 4,212 |
| Noninterest expense to average assets | 3.0003% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8280% | 3,171 |
| Return on assets (ROA) | 0.8280% | 3,273 |
| Pretax return on assets | 1.2356% | 2,528 |
| Return on Equity (ROE) | 5.8478% | 4,056 |
| Retained earnings to average equity (ytd only) | 2.9540% | 3,794 |
| Net charge-offs to loans | 0.0397% | 3,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 57.9000% | 917 |
| Efficiency ratio | 70.8312% | 2,774 |
| Assets per employee ($millions) | 4.8717% | 2,539 |
| Cash dividends to net income (ytd only)* | 49.4845% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3032% | 397 |
| Loan loss allowance to noncurrent loans | 358.4906% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 3,974 |
| Noncurrent loans to loans | 0.6425% | 2,927 |
| Net loans and leases to total assets | 49.6295% | 4,789 |
| Net loans and leases to deposits | 57.5516% | 4,827 |
| Net loans and leases to core deposits | 57.9655% | 4,969 |
| Total domestic deposits to total assets | 86.2348% | 2,480 |
| Equity capital to assets | 13.5702% | 1,018 |
| Core capital (leverage) ratio | 15.4902% | 531 |
| Tier 1 risk-based capital ratio | 29.3453% | 502 |
| Total risk-based capital ratio | 30.6056% | 493 |
| Memoranda: | ||
| Average total assets | $46,861,200 | 5,406 |
| Average earning assets | $41,603,000 | 5,430 |
| Average equity | $6,635,000 | 5,162 |
| Average total loans | $25,182,000 | 5,345 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 1,175 |
| Cost of funding earning assets | 0.2200% | 4,880 |
| Net interest margin | 4.4350% | 728 |
| Noninterest income to average assets | 0.3506% | 4,281 |
| Noninterest expense to average assets | 3.1151% | 1,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7270% | 3,710 |
| Return on assets (ROA) | 0.7270% | 3,842 |
| Pretax return on assets | 1.1753% | 2,936 |
| Return on Equity (ROE) | 5.0794% | 4,482 |
| Retained earnings to average equity (ytd only) | 3.1521% | 4,027 |
| Net charge-offs to loans | 0.0264% | 3,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 81.7571% | 766 |
| Efficiency ratio | 72.6055% | 2,482 |
| Assets per employee ($millions) | 4.4602% | 3,152 |
| Cash dividends to net income (ytd only)* | 37.9462% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2717% | 456 |
| Loan loss allowance to noncurrent loans | 1,982.7586% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 5,065 |
| Noncurrent loans to loans | 0.1146% | 4,881 |
| Net loans and leases to total assets | 55.4594% | 4,364 |
| Net loans and leases to deposits | 65.8836% | 4,355 |
| Net loans and leases to core deposits | 66.4143% | 4,579 |
| Total domestic deposits to total assets | 84.1778% | 3,156 |
| Equity capital to assets | 15.2482% | 684 |
| Core capital (leverage) ratio | 15.9128% | 490 |
| Tier 1 risk-based capital ratio | 31.5393% | 428 |
| Total risk-based capital ratio | 32.8031% | 420 |
| Memoranda: | ||
| Average total assets | $46,397,250 | 5,469 |
| Average earning assets | $41,216,000 | 5,494 |
| Average equity | $6,641,000 | 5,211 |
| Average total loans | $25,290,500 | 5,394 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6243% | 1,223 |
| Cost of funding earning assets | 0.2174% | 4,967 |
| Net interest margin | 4.4069% | 755 |
| Noninterest income to average assets | 0.3532% | 4,249 |
| Noninterest expense to average assets | 3.2343% | 1,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5405% | 4,519 |
| Return on assets (ROA) | 0.5405% | 4,626 |
| Pretax return on assets | 1.0001% | 3,585 |
| Return on Equity (ROE) | 3.8557% | 4,966 |
| Retained earnings to average equity (ytd only) | 0.9412% | 5,017 |
| Net charge-offs to loans | 0.0554% | 2,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 33.5714% | 1,302 |
| Efficiency ratio | 76.3819% | 2,028 |
| Assets per employee ($millions) | 4.6470% | 2,800 |
| Cash dividends to net income (ytd only)* | 75.5906% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1818% | 562 |
| Loan loss allowance to noncurrent loans | 19,100.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 5,448 |
| Noncurrent loans to loans | 0.0114% | 5,453 |
| Net loans and leases to total assets | 55.2830% | 4,383 |
| Net loans and leases to deposits | 64.9935% | 4,421 |
| Net loans and leases to core deposits | 65.4906% | 4,647 |
| Total domestic deposits to total assets | 85.0592% | 2,850 |
| Equity capital to assets | 14.3899% | 905 |
| Core capital (leverage) ratio | 14.9700% | 617 |
| Tier 1 risk-based capital ratio | 30.5583% | 471 |
| Total risk-based capital ratio | 31.8305% | 465 |
| Memoranda: | ||
| Average total assets | $46,995,670 | 5,522 |
| Average earning assets | $41,390,000 | 5,553 |
| Average equity | $6,587,670 | 5,271 |
| Average total loans | $25,283,670 | 5,453 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 1,331 |
| Cost of funding earning assets | 0.2611% | 4,599 |
| Net interest margin | 4.3123% | 908 |
| Noninterest income to average assets | 0.3555% | 4,186 |
| Noninterest expense to average assets | 3.8427% | 732 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1354% | 5,860 |
| Return on assets (ROA) | -0.1354% | 5,879 |
| Pretax return on assets | 0.2878% | 5,529 |
| Return on Equity (ROE) | -0.9789% | 5,873 |
| Retained earnings to average equity (ytd only) | -0.9789% | 5,278 |
| Net charge-offs to loans | 0.0968% | 1,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,309 |
| Efficiency ratio | 93.0328% | 497 |
| Assets per employee ($millions) | 4.7869% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2803% | 527 |
| Loan loss allowance to noncurrent loans | 4,100.0000% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 4,708 |
| Noncurrent loans to loans | 0.0556% | 5,261 |
| Net loans and leases to total assets | 51.3861% | 4,691 |
| Net loans and leases to deposits | 60.0215% | 4,716 |
| Net loans and leases to core deposits | 60.4641% | 4,906 |
| Total domestic deposits to total assets | 85.6128% | 2,859 |
| Equity capital to assets | 13.7918% | 1,054 |
| Core capital (leverage) ratio | 14.5031% | 700 |
| Tier 1 risk-based capital ratio | 30.4659% | 484 |
| Total risk-based capital ratio | 31.7343% | 477 |
| Memoranda: | ||
| Average total assets | $47,258,500 | 5,571 |
| Average earning assets | $41,370,500 | 5,604 |
| Average equity | $6,538,000 | 5,317 |
| Average total loans | $24,794,000 | 5,520 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7495% | 1,008 |
| Cost of funding earning assets | 0.2868% | 4,400 |
| Net interest margin | 4.4627% | 704 |
| Noninterest income to average assets | 0.3553% | 4,361 |
| Noninterest expense to average assets | 2.7587% | 3,387 |
| Loan and lease loss provision to assets | 0.5848% | 186 |
| Net operating income to assets | 0.5539% | 4,479 |
| Return on assets (ROA) | 0.5539% | 4,574 |
| Pretax return on assets | 0.9269% | 3,739 |
| Return on Equity (ROE) | 3.8589% | 5,005 |
| Retained earnings to average equity (ytd only) | 0.9071% | 5,159 |
| Net charge-offs to loans | 0.8241% | 267 |
| Credit loss provision to net charge-offs | 129.9020% | 2,016 |
| Earnings coverage of net charge-offs (x) | 3.3578% | 3,742 |
| Efficiency ratio | 64.5995% | 4,151 |
| Assets per employee ($millions) | 4.6648% | 2,785 |
| Cash dividends to net income (ytd only)* | 76.4940% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3755% | 470 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 4,763 |
| Noncurrent loans to loans | 0.0410% | 5,355 |
| Net loans and leases to total assets | 51.0976% | 4,769 |
| Net loans and leases to deposits | 59.6691% | 4,795 |
| Net loans and leases to core deposits | 63.7360% | 4,750 |
| Total domestic deposits to total assets | 85.6350% | 2,794 |
| Equity capital to assets | 13.8784% | 973 |
| Core capital (leverage) ratio | 15.5323% | 530 |
| Tier 1 risk-based capital ratio | 31.3883% | 448 |
| Total risk-based capital ratio | 32.6564% | 442 |
| Memoranda: | ||
| Average total assets | $45,311,600 | 5,652 |
| Average earning assets | $39,751,600 | 5,687 |
| Average equity | $6,504,400 | 5,344 |
| Average total loans | $24,755,000 | 5,561 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 1,007 |
| Cost of funding earning assets | 0.2861% | 4,494 |
| Net interest margin | 4.4725% | 693 |
| Noninterest income to average assets | 0.3528% | 4,420 |
| Noninterest expense to average assets | 2.7806% | 3,272 |
| Loan and lease loss provision to assets | 0.7263% | 110 |
| Net operating income to assets | 0.3883% | 5,202 |
| Return on assets (ROA) | 0.3883% | 5,290 |
| Pretax return on assets | 0.7855% | 4,380 |
| Return on Equity (ROE) | 2.6821% | 5,489 |
| Retained earnings to average equity (ytd only) | 0.7167% | 5,401 |
| Net charge-offs to loans | 1.0950% | 167 |
| Credit loss provision to net charge-offs | 120.0980% | 1,983 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,663 |
| Efficiency ratio | 64.7790% | 4,104 |
| Assets per employee ($millions) | 4.5257% | 2,963 |
| Cash dividends to net income (ytd only)* | 73.2852% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2386% | 627 |
| Loan loss allowance to noncurrent loans | 11,200.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.2055% | 4,932 |
| Noncurrent loans to loans | 0.0200% | 5,557 |
| Net loans and leases to total assets | 54.0380% | 4,564 |
| Net loans and leases to deposits | 63.4051% | 4,605 |
| Net loans and leases to core deposits | 67.8918% | 4,547 |
| Total domestic deposits to total assets | 85.2266% | 2,918 |
| Equity capital to assets | 14.5348% | 848 |
| Core capital (leverage) ratio | 15.7562% | 523 |
| Tier 1 risk-based capital ratio | 31.8163% | 449 |
| Total risk-based capital ratio | 33.0780% | 446 |
| Memoranda: | ||
| Average total assets | $44,977,500 | 5,733 |
| Average earning assets | $39,618,750 | 5,764 |
| Average equity | $6,512,000 | 5,411 |
| Average total loans | $24,839,750 | 5,626 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 1,004 |
| Cost of funding earning assets | 0.2878% | 4,528 |
| Net interest margin | 4.4527% | 689 |
| Noninterest income to average assets | 0.3342% | 4,566 |
| Noninterest expense to average assets | 2.7760% | 3,330 |
| Loan and lease loss provision to assets | 0.9803% | 71 |
| Net operating income to assets | 0.1114% | 5,862 |
| Return on assets (ROA) | 0.1114% | 5,912 |
| Pretax return on assets | 0.5080% | 5,203 |
| Return on Equity (ROE) | 0.7704% | 5,929 |
| Retained earnings to average equity (ytd only) | -2.1880% | 5,852 |
| Net charge-offs to loans | 1.6464% | 96 |
| Credit loss provision to net charge-offs | 107.8431% | 1,950 |
| Earnings coverage of net charge-offs (x) | 1.6373% | 3,478 |
| Efficiency ratio | 65.0993% | 4,173 |
| Assets per employee ($millions) | 4.5448% | 2,911 |
| Cash dividends to net income (ytd only)* | 384.0000% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1428% | 800 |
| Loan loss allowance to noncurrent loans | 6,687.5000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.5853% | 3,659 |
| Noncurrent loans to loans | 0.0320% | 5,624 |
| Net loans and leases to total assets | 53.7581% | 4,581 |
| Net loans and leases to deposits | 62.6542% | 4,647 |
| Net loans and leases to core deposits | 67.0362% | 4,568 |
| Total domestic deposits to total assets | 85.8014% | 2,795 |
| Equity capital to assets | 13.9500% | 992 |
| Core capital (leverage) ratio | 15.0245% | 609 |
| Tier 1 risk-based capital ratio | 30.7145% | 505 |
| Total risk-based capital ratio | 31.9776% | 499 |
| Memoranda: | ||
| Average total assets | $44,884,330 | 5,795 |
| Average earning assets | $39,616,000 | 5,825 |
| Average equity | $6,490,000 | 5,452 |
| Average total loans | $24,781,000 | 5,669 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6739% | 1,081 |
| Cost of funding earning assets | 0.2839% | 4,622 |
| Net interest margin | 4.3900% | 752 |
| Noninterest income to average assets | 0.3229% | 4,606 |
| Noninterest expense to average assets | 2.7622% | 3,377 |
| Loan and lease loss provision to assets | 0.1345% | 1,539 |
| Net operating income to assets | 0.7713% | 3,415 |
| Return on assets (ROA) | 0.7713% | 3,552 |
| Pretax return on assets | 1.3093% | 2,247 |
| Return on Equity (ROE) | 5.2399% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.2399% | 2,925 |
| Net charge-offs to loans | 0.5347% | 466 |
| Credit loss provision to net charge-offs | 45.4545% | 2,139 |
| Earnings coverage of net charge-offs (x) | 4.8788% | 2,439 |
| Efficiency ratio | 65.6716% | 4,213 |
| Assets per employee ($millions) | 4.5915% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0155% | 1,045 |
| Loan loss allowance to noncurrent loans | 105.4737% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 2,490 |
| Noncurrent loans to loans | 1.9109% | 1,404 |
| Net loans and leases to total assets | 53.0458% | 4,550 |
| Net loans and leases to deposits | 62.3474% | 4,540 |
| Net loans and leases to core deposits | 66.6995% | 4,454 |
| Total domestic deposits to total assets | 85.0811% | 3,364 |
| Equity capital to assets | 14.5987% | 805 |
| Core capital (leverage) ratio | 15.3459% | 558 |
| Tier 1 risk-based capital ratio | 31.4007% | 479 |
| Total risk-based capital ratio | 32.6592% | 475 |
| Memoranda: | ||
| Average total assets | $44,602,500 | 5,854 |
| Average earning assets | $39,453,500 | 5,882 |
| Average equity | $6,565,000 | 5,490 |
| Average total loans | $24,688,000 | 5,724 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6184% | 1,508 |
| Cost of funding earning assets | 0.3097% | 4,688 |
| Net interest margin | 4.3087% | 1,041 |
| Noninterest income to average assets | 0.3189% | 4,836 |
| Noninterest expense to average assets | 2.6051% | 4,197 |
| Loan and lease loss provision to assets | 0.1832% | 1,403 |
| Net operating income to assets | 0.8407% | 3,174 |
| Return on assets (ROA) | 0.8490% | 3,220 |
| Pretax return on assets | 1.3812% | 1,949 |
| Return on Equity (ROE) | 6.6121% | 3,835 |
| Retained earnings to average equity (ytd only) | 3.3899% | 3,802 |
| Net charge-offs to loans | 0.0201% | 4,442 |
| Credit loss provision to net charge-offs | 1,700.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 377 |
| Efficiency ratio | 62.6750% | 4,798 |
| Assets per employee ($millions) | 4.3290% | 3,313 |
| Cash dividends to net income (ytd only)* | 48.7310% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1167% | 922 |
| Loan loss allowance to noncurrent loans | 108.5774% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.2335% | 2,298 |
| Noncurrent loans to loans | 1.9495% | 1,442 |
| Net loans and leases to total assets | 55.4401% | 4,400 |
| Net loans and leases to deposits | 65.2884% | 4,397 |
| Net loans and leases to core deposits | 70.1529% | 4,316 |
| Total domestic deposits to total assets | 84.9157% | 3,322 |
| Equity capital to assets | 14.8464% | 726 |
| Core capital (leverage) ratio | 15.5000% | 531 |
| Tier 1 risk-based capital ratio | 31.9640% | 428 |
| Total risk-based capital ratio | 33.2287% | 419 |
| Memoranda: | ||
| Average total assets | $46,408,200 | 5,875 |
| Average earning assets | $41,334,800 | 5,887 |
| Average equity | $5,958,800 | 5,631 |
| Average total loans | $24,879,200 | 5,783 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5307% | 1,765 |
| Cost of funding earning assets | 0.3137% | 4,747 |
| Net interest margin | 4.2170% | 1,234 |
| Noninterest income to average assets | 0.3193% | 4,878 |
| Noninterest expense to average assets | 2.6871% | 3,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8199% | 3,341 |
| Return on assets (ROA) | 0.8307% | 3,371 |
| Pretax return on assets | 1.4099% | 1,971 |
| Return on Equity (ROE) | 6.7101% | 3,844 |
| Retained earnings to average equity (ytd only) | 4.5190% | 3,434 |
| Net charge-offs to loans | 0.0267% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 98.5487% | 594 |
| Efficiency ratio | 65.8587% | 4,231 |
| Assets per employee ($millions) | 4.6155% | 2,788 |
| Cash dividends to net income (ytd only)* | 32.6539% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 1,801 |
| Loan loss allowance to noncurrent loans | 91.1765% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.1743% | 2,604 |
| Noncurrent loans to loans | 1.9276% | 1,660 |
| Net loans and leases to total assets | 52.5620% | 4,744 |
| Net loans and leases to deposits | 61.3587% | 4,808 |
| Net loans and leases to core deposits | 65.5871% | 4,748 |
| Total domestic deposits to total assets | 85.6635% | 3,032 |
| Equity capital to assets | 13.1968% | 1,331 |
| Core capital (leverage) ratio | 15.4348% | 553 |
| Tier 1 risk-based capital ratio | 30.2906% | 509 |
| Total risk-based capital ratio | 31.5524% | 505 |
| Memoranda: | ||
| Average total assets | $47,187,750 | 5,923 |
| Average earning assets | $42,082,500 | 5,940 |
| Average equity | $5,841,750 | 5,713 |
| Average total loans | $24,969,250 | 5,843 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 1,869 |
| Cost of funding earning assets | 0.3182% | 4,782 |
| Net interest margin | 4.1692% | 1,318 |
| Noninterest income to average assets | 0.3240% | 4,821 |
| Noninterest expense to average assets | 2.6508% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8422% | 3,118 |
| Return on assets (ROA) | 0.8584% | 3,124 |
| Pretax return on assets | 1.4474% | 1,722 |
| Return on Equity (ROE) | 7.0850% | 3,584 |
| Retained earnings to average equity (ytd only) | 3.7509% | 3,801 |
| Net charge-offs to loans | 0.0399% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 67.6000% | 745 |
| Efficiency ratio | 65.0826% | 4,517 |
| Assets per employee ($millions) | 4.6213% | 2,738 |
| Cash dividends to net income (ytd only)* | 47.0588% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7270% | 2,047 |
| Loan loss allowance to noncurrent loans | 2,170.0000% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 5,674 |
| Noncurrent loans to loans | 0.0796% | 5,783 |
| Net loans and leases to total assets | 53.4395% | 4,602 |
| Net loans and leases to deposits | 62.0518% | 4,690 |
| Net loans and leases to core deposits | 67.3834% | 4,517 |
| Total domestic deposits to total assets | 86.1208% | 2,983 |
| Equity capital to assets | 12.8362% | 1,463 |
| Core capital (leverage) ratio | 14.6123% | 675 |
| Tier 1 risk-based capital ratio | 29.3914% | 550 |
| Total risk-based capital ratio | 30.6531% | 539 |
| Memoranda: | ||
| Average total assets | $47,532,000 | 5,968 |
| Average earning assets | $42,742,330 | 5,982 |
| Average equity | $5,758,670 | 5,763 |
| Average total loans | $25,061,000 | 5,879 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 2,436 |
| Cost of funding earning assets | 0.3283% | 4,756 |
| Net interest margin | 3.9943% | 1,786 |
| Noninterest income to average assets | 0.3403% | 4,655 |
| Noninterest expense to average assets | 2.5399% | 4,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7885% | 3,205 |
| Return on assets (ROA) | 0.7885% | 3,284 |
| Pretax return on assets | 1.4359% | 1,620 |
| Return on Equity (ROE) | 6.6996% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.6996% | 2,190 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8831% | 4,875 |
| Assets per employee ($millions) | 5.0247% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7806% | 2,102 |
| Loan loss allowance to noncurrent loans | 593.2432% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 4,882 |
| Noncurrent loans to loans | 0.3002% | 5,214 |
| Net loans and leases to total assets | 48.1919% | 5,100 |
| Net loans and leases to deposits | 55.1092% | 5,189 |
| Net loans and leases to core deposits | 60.1003% | 5,028 |
| Total domestic deposits to total assets | 87.4480% | 2,533 |
| Equity capital to assets | 11.5350% | 2,214 |
| Core capital (leverage) ratio | 13.9945% | 822 |
| Tier 1 risk-based capital ratio | 29.4441% | 549 |
| Total risk-based capital ratio | 30.7062% | 541 |
| Memoranda: | ||
| Average total assets | $48,191,500 | 5,999 |
| Average earning assets | $43,863,000 | 6,008 |
| Average equity | $5,672,000 | 5,825 |
| Average total loans | $25,026,500 | 5,935 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 2,726 |
| Cost of funding earning assets | 0.3687% | 4,967 |
| Net interest margin | 3.9928% | 1,964 |
| Noninterest income to average assets | 0.3704% | 4,660 |
| Noninterest expense to average assets | 2.6361% | 4,332 |
| Loan and lease loss provision to assets | 0.0392% | 4,335 |
| Net operating income to assets | 0.8073% | 3,256 |
| Return on assets (ROA) | 0.8036% | 3,372 |
| Pretax return on assets | 1.2759% | 2,248 |
| Return on Equity (ROE) | 7.0619% | 3,535 |
| Retained earnings to average equity (ytd only) | 3.7549% | 3,543 |
| Net charge-offs to loans | 0.0747% | 4,163 |
| Credit loss provision to net charge-offs | 105.2632% | 2,291 |
| Earnings coverage of net charge-offs (x) | 35.4737% | 1,048 |
| Efficiency ratio | 66.6171% | 4,452 |
| Assets per employee ($millions) | 4.6136% | 2,702 |
| Cash dividends to net income (ytd only)* | 46.8293% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 2,310 |
| Loan loss allowance to noncurrent loans | 2,926.6667% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 5,281 |
| Noncurrent loans to loans | 0.0591% | 6,055 |
| Net loans and leases to total assets | 54.1009% | 4,570 |
| Net loans and leases to deposits | 62.1932% | 4,702 |
| Net loans and leases to core deposits | 72.3814% | 4,022 |
| Total domestic deposits to total assets | 86.9885% | 2,730 |
| Equity capital to assets | 12.0253% | 1,783 |
| Core capital (leverage) ratio | 14.2409% | 759 |
| Tier 1 risk-based capital ratio | 30.1184% | 493 |
| Total risk-based capital ratio | 31.3786% | 491 |
| Memoranda: | ||
| Average total assets | $51,021,400 | 5,990 |
| Average earning assets | $45,833,000 | 5,996 |
| Average equity | $5,805,800 | 5,862 |
| Average total loans | $25,423,200 | 5,959 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2958% | 3,009 |
| Cost of funding earning assets | 0.3730% | 5,065 |
| Net interest margin | 3.9227% | 2,190 |
| Noninterest income to average assets | 0.3879% | 4,620 |
| Noninterest expense to average assets | 2.6083% | 4,364 |
| Loan and lease loss provision to assets | 0.0255% | 4,497 |
| Net operating income to assets | 0.7271% | 3,717 |
| Return on assets (ROA) | 0.7222% | 3,870 |
| Pretax return on assets | 1.2352% | 2,560 |
| Return on Equity (ROE) | 6.4277% | 3,962 |
| Retained earnings to average equity (ytd only) | 4.2473% | 3,659 |
| Net charge-offs to loans | 0.0839% | 3,751 |
| Credit loss provision to net charge-offs | 62.5000% | 3,235 |
| Earnings coverage of net charge-offs (x) | 31.0666% | 1,207 |
| Efficiency ratio | 67.2811% | 4,237 |
| Assets per employee ($millions) | 4.8604% | 2,356 |
| Cash dividends to net income (ytd only)* | 33.9235% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 2,573 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.3415% | 5,379 |
| Noncurrent loans to loans | 0.0636% | 6,150 |
| Net loans and leases to total assets | 50.8847% | 5,020 |
| Net loans and leases to deposits | 58.1587% | 5,170 |
| Net loans and leases to core deposits | 69.4212% | 4,381 |
| Total domestic deposits to total assets | 87.4928% | 2,423 |
| Equity capital to assets | 11.4476% | 2,334 |
| Core capital (leverage) ratio | 13.7527% | 939 |
| Tier 1 risk-based capital ratio | 29.2846% | 548 |
| Total risk-based capital ratio | 30.5818% | 542 |
| Memoranda: | ||
| Average total assets | $52,242,750 | 6,026 |
| Average earning assets | $46,463,250 | 6,039 |
| Average equity | $5,870,250 | 5,919 |
| Average total loans | $25,429,250 | 6,015 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 3,213 |
| Cost of funding earning assets | 0.3789% | 5,149 |
| Net interest margin | 3.8562% | 2,355 |
| Noninterest income to average assets | 0.2656% | 5,554 |
| Noninterest expense to average assets | 2.5030% | 4,712 |
| Loan and lease loss provision to assets | 0.0374% | 4,200 |
| Net operating income to assets | 0.6660% | 3,991 |
| Return on assets (ROA) | 0.6660% | 4,142 |
| Pretax return on assets | 1.1524% | 2,873 |
| Return on Equity (ROE) | 5.9608% | 4,201 |
| Retained earnings to average equity (ytd only) | 2.7460% | 4,567 |
| Net charge-offs to loans | 0.1254% | 3,120 |
| Credit loss provision to net charge-offs | 62.5000% | 2,973 |
| Earnings coverage of net charge-offs (x) | 19.8750% | 1,491 |
| Efficiency ratio | 67.7812% | 4,223 |
| Assets per employee ($millions) | 5.1163% | 1,975 |
| Cash dividends to net income (ytd only)* | 53.9326% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6831% | 2,843 |
| Loan loss allowance to noncurrent loans | 1,028.5714% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 5,353 |
| Noncurrent loans to loans | 0.1636% | 5,917 |
| Net loans and leases to total assets | 49.3228% | 5,182 |
| Net loans and leases to deposits | 56.1052% | 5,330 |
| Net loans and leases to core deposits | 66.2701% | 4,666 |
| Total domestic deposits to total assets | 87.9112% | 2,310 |
| Equity capital to assets | 11.1682% | 2,588 |
| Core capital (leverage) ratio | 12.6941% | 1,294 |
| Tier 1 risk-based capital ratio | 28.4777% | 604 |
| Total risk-based capital ratio | 29.7769% | 590 |
| Memoranda: | ||
| Average total assets | $53,455,670 | 6,036 |
| Average earning assets | $47,508,000 | 6,054 |
| Average equity | $5,972,330 | 5,945 |
| Average total loans | $25,517,670 | 6,040 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 3,645 |
| Cost of funding earning assets | 0.3979% | 5,125 |
| Net interest margin | 3.7222% | 2,768 |
| Noninterest income to average assets | 0.2637% | 5,574 |
| Noninterest expense to average assets | 2.4248% | 5,033 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5714% | 4,354 |
| Return on assets (ROA) | 0.5714% | 4,503 |
| Pretax return on assets | 1.1282% | 2,851 |
| Return on Equity (ROE) | 5.1135% | 4,510 |
| Retained earnings to average equity (ytd only) | 5.1135% | 3,165 |
| Net charge-offs to loans | 0.2515% | 1,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.6250% | 1,817 |
| Efficiency ratio | 68.2474% | 4,263 |
| Assets per employee ($millions) | 5.3117% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 3,169 |
| Loan loss allowance to noncurrent loans | 981.3953% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 5,501 |
| Noncurrent loans to loans | 0.1691% | 5,978 |
| Net loans and leases to total assets | 47.0885% | 5,324 |
| Net loans and leases to deposits | 53.8379% | 5,449 |
| Net loans and leases to core deposits | 64.4490% | 4,699 |
| Total domestic deposits to total assets | 87.4635% | 2,651 |
| Equity capital to assets | 11.5255% | 2,387 |
| Core capital (leverage) ratio | 12.4281% | 1,370 |
| Tier 1 risk-based capital ratio | 28.6584% | 602 |
| Total risk-based capital ratio | 29.9578% | 587 |
| Memoranda: | ||
| Average total assets | $54,602,000 | 6,061 |
| Average earning assets | $48,251,000 | 6,091 |
| Average equity | $6,101,500 | 5,956 |
| Average total loans | $25,443,000 | 6,100 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3231% | 4,114 |
| Cost of funding earning assets | 0.5069% | 5,167 |
| Net interest margin | 3.8162% | 3,158 |
| Noninterest income to average assets | 0.3414% | 5,017 |
| Noninterest expense to average assets | 2.5394% | 4,966 |
| Loan and lease loss provision to assets | 0.1866% | 3,305 |
| Net operating income to assets | 0.6209% | 4,140 |
| Return on assets (ROA) | 0.6400% | 4,298 |
| Pretax return on assets | 1.0169% | 3,489 |
| Return on Equity (ROE) | 5.5509% | 4,404 |
| Retained earnings to average equity (ytd only) | 2.4437% | 4,519 |
| Net charge-offs to loans | 0.2670% | 3,338 |
| Credit loss provision to net charge-offs | 147.0588% | 1,851 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 2,282 |
| Efficiency ratio | 68.3920% | 4,071 |
| Assets per employee ($millions) | 5.6087% | 1,592 |
| Cash dividends to net income (ytd only)* | 55.9767% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7209% | 2,855 |
| Loan loss allowance to noncurrent loans | 663.6364% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.6258% | 4,910 |
| Noncurrent loans to loans | 0.2593% | 5,834 |
| Net loans and leases to total assets | 44.5986% | 5,763 |
| Net loans and leases to deposits | 50.4742% | 5,924 |
| Net loans and leases to core deposits | 59.6865% | 5,396 |
| Total domestic deposits to total assets | 88.3592% | 1,990 |
| Equity capital to assets | 10.8421% | 3,128 |
| Core capital (leverage) ratio | 12.7626% | 1,214 |
| Tier 1 risk-based capital ratio | 27.0996% | 682 |
| Total risk-based capital ratio | 28.3552% | 669 |
| Memoranda: | ||
| Average total assets | $53,595,000 | 6,099 |
| Average earning assets | $47,350,800 | 6,140 |
| Average equity | $6,179,200 | 5,974 |
| Average total loans | $25,472,400 | 6,162 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3572% | 4,219 |
| Cost of funding earning assets | 0.5350% | 5,213 |
| Net interest margin | 3.8222% | 3,239 |
| Noninterest income to average assets | 0.3599% | 4,944 |
| Noninterest expense to average assets | 2.4113% | 5,362 |
| Loan and lease loss provision to assets | 0.2517% | 2,553 |
| Net operating income to assets | 0.6513% | 4,135 |
| Return on assets (ROA) | 0.6771% | 4,281 |
| Pretax return on assets | 1.1176% | 3,286 |
| Return on Equity (ROE) | 5.7813% | 4,450 |
| Retained earnings to average equity (ytd only) | 3.7181% | 4,269 |
| Net charge-offs to loans | 0.3558% | 2,678 |
| Credit loss provision to net charge-offs | 147.0588% | 1,931 |
| Earnings coverage of net charge-offs (x) | 7.7651% | 2,555 |
| Efficiency ratio | 64.4684% | 4,720 |
| Assets per employee ($millions) | 5.1611% | 1,980 |
| Cash dividends to net income (ytd only)* | 35.6884% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 3,126 |
| Loan loss allowance to noncurrent loans | 6,257.1429% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 4,980 |
| Noncurrent loans to loans | 0.0273% | 6,561 |
| Net loans and leases to total assets | 48.8656% | 5,446 |
| Net loans and leases to deposits | 56.1143% | 5,624 |
| Net loans and leases to core deposits | 67.6230% | 4,765 |
| Total domestic deposits to total assets | 87.0822% | 2,614 |
| Equity capital to assets | 12.0594% | 2,206 |
| Core capital (leverage) ratio | 12.2739% | 1,508 |
| Tier 1 risk-based capital ratio | 27.8553% | 668 |
| Total risk-based capital ratio | 29.1118% | 654 |
| Memoranda: | ||
| Average total assets | $52,972,000 | 6,191 |
| Average earning assets | $46,848,500 | 6,227 |
| Average equity | $6,203,750 | 6,034 |
| Average total loans | $25,477,500 | 6,249 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 4,175 |
| Cost of funding earning assets | 0.5526% | 5,290 |
| Net interest margin | 3.8510% | 3,132 |
| Noninterest income to average assets | 0.3631% | 4,934 |
| Noninterest expense to average assets | 2.3734% | 5,551 |
| Loan and lease loss provision to assets | 0.2808% | 2,335 |
| Net operating income to assets | 0.6289% | 4,231 |
| Return on assets (ROA) | 0.6289% | 4,478 |
| Pretax return on assets | 1.1268% | 3,202 |
| Return on Equity (ROE) | 5.4220% | 4,618 |
| Retained earnings to average equity (ytd only) | 2.3237% | 5,028 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7723% | 5,121 |
| Assets per employee ($millions) | 5.9589% | 1,264 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8612% | 2,666 |
| Loan loss allowance to noncurrent loans | 174.2754% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 4,832 |
| Noncurrent loans to loans | 1.0680% | 4,382 |
| Net loans and leases to total assets | 47.2907% | 5,681 |
| Net loans and leases to deposits | 53.9755% | 5,866 |
| Net loans and leases to core deposits | 62.7943% | 5,323 |
| Total domestic deposits to total assets | 87.6151% | 2,389 |
| Equity capital to assets | 11.5626% | 2,530 |
| Core capital (leverage) ratio | 11.2473% | 2,090 |
| Tier 1 risk-based capital ratio | 26.5650% | 764 |
| Total risk-based capital ratio | 27.8246% | 755 |
| Memoranda: | ||
| Average total assets | $53,425,670 | 6,213 |
| Average earning assets | $47,416,330 | 6,250 |
| Average equity | $6,197,000 | 6,064 |
| Average total loans | $25,417,330 | 6,295 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3449% | 4,535 |
| Cost of funding earning assets | 0.5906% | 5,211 |
| Net interest margin | 3.7543% | 3,583 |
| Noninterest income to average assets | 0.3751% | 4,855 |
| Noninterest expense to average assets | 2.3479% | 5,635 |
| Loan and lease loss provision to assets | 0.1875% | 3,084 |
| Net operating income to assets | 0.6976% | 3,891 |
| Return on assets (ROA) | 0.6976% | 4,108 |
| Pretax return on assets | 1.1777% | 3,000 |
| Return on Equity (ROE) | 6.0048% | 4,289 |
| Retained earnings to average equity (ytd only) | 6.0048% | 2,955 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2323% | 5,063 |
| Assets per employee ($millions) | 6.0457% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7074% | 3,322 |
| Loan loss allowance to noncurrent loans | 184.9785% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.6929% | 5,162 |
| Noncurrent loans to loans | 0.9230% | 4,821 |
| Net loans and leases to total assets | 45.6011% | 5,833 |
| Net loans and leases to deposits | 52.0637% | 5,962 |
| Net loans and leases to core deposits | 62.3292% | 5,290 |
| Total domestic deposits to total assets | 87.5871% | 2,597 |
| Equity capital to assets | 11.4536% | 2,484 |
| Core capital (leverage) ratio | 11.4746% | 1,910 |
| Tier 1 risk-based capital ratio | 25.7877% | 824 |
| Total risk-based capital ratio | 27.0838% | 799 |
| Memoranda: | ||
| Average total assets | $53,323,500 | 6,252 |
| Average earning assets | $47,412,000 | 6,289 |
| Average equity | $6,195,000 | 6,097 |
| Average total loans | $25,204,500 | 6,357 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7424% | 4,068 |
| Cost of funding earning assets | 0.8558% | 4,432 |
| Net interest margin | 3.8866% | 3,394 |
| Noninterest income to average assets | 0.3628% | 4,914 |
| Noninterest expense to average assets | 2.4865% | 5,515 |
| Loan and lease loss provision to assets | 0.3845% | 2,686 |
| Net operating income to assets | 0.5596% | 4,188 |
| Return on assets (ROA) | 0.5817% | 4,271 |
| Pretax return on assets | 0.8834% | 3,666 |
| Return on Equity (ROE) | 4.6360% | 4,557 |
| Retained earnings to average equity (ytd only) | 1.1158% | 5,334 |
| Net charge-offs to loans | 0.8079% | 2,138 |
| Credit loss provision to net charge-offs | 94.6602% | 3,811 |
| Earnings coverage of net charge-offs (x) | 3.0388% | 3,689 |
| Efficiency ratio | 66.8256% | 4,606 |
| Assets per employee ($millions) | 5.8040% | 1,372 |
| Cash dividends to net income (ytd only)* | 75.9322% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 3,535 |
| Loan loss allowance to noncurrent loans | 136.7003% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.8442% | 4,935 |
| Noncurrent loans to loans | 1.1802% | 4,400 |
| Net loans and leases to total assets | 47.4003% | 5,886 |
| Net loans and leases to deposits | 54.2459% | 6,043 |
| Net loans and leases to core deposits | 66.8376% | 5,169 |
| Total domestic deposits to total assets | 87.3804% | 2,543 |
| Equity capital to assets | 11.7888% | 2,275 |
| Core capital (leverage) ratio | 12.1673% | 1,510 |
| Tier 1 risk-based capital ratio | 25.7836% | 795 |
| Total risk-based capital ratio | 27.0739% | 780 |
| Memoranda: | ||
| Average total assets | $50,714,800 | 6,343 |
| Average earning assets | $43,817,200 | 6,392 |
| Average equity | $6,363,200 | 6,052 |
| Average total loans | $25,498,800 | 6,394 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 3,639 |
| Cost of funding earning assets | 0.9190% | 4,282 |
| Net interest margin | 3.9605% | 3,102 |
| Noninterest income to average assets | 0.3629% | 4,967 |
| Noninterest expense to average assets | 2.4635% | 5,580 |
| Loan and lease loss provision to assets | 0.4768% | 2,084 |
| Net operating income to assets | 0.4780% | 4,645 |
| Return on assets (ROA) | 0.4847% | 4,800 |
| Pretax return on assets | 0.8238% | 4,043 |
| Return on Equity (ROE) | 3.8037% | 5,077 |
| Retained earnings to average equity (ytd only) | 1.1432% | 5,560 |
| Net charge-offs to loans | 1.0684% | 1,488 |
| Credit loss provision to net charge-offs | 87.8049% | 3,859 |
| Earnings coverage of net charge-offs (x) | 2.3756% | 3,938 |
| Efficiency ratio | 65.6316% | 4,787 |
| Assets per employee ($millions) | 5.5911% | 1,510 |
| Cash dividends to net income (ytd only)* | 69.9455% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 3,949 |
| Loan loss allowance to noncurrent loans | 204.1667% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 5,472 |
| Noncurrent loans to loans | 0.7507% | 5,377 |
| Net loans and leases to total assets | 50.0497% | 5,694 |
| Net loans and leases to deposits | 57.7903% | 5,859 |
| Net loans and leases to core deposits | 71.8935% | 4,728 |
| Total domestic deposits to total assets | 86.6057% | 2,879 |
| Equity capital to assets | 12.9571% | 1,636 |
| Core capital (leverage) ratio | 12.5572% | 1,412 |
| Tier 1 risk-based capital ratio | 25.4198% | 877 |
| Total risk-based capital ratio | 26.7124% | 862 |
| Memoranda: | ||
| Average total assets | $50,334,500 | 6,414 |
| Average earning assets | $43,090,500 | 6,477 |
| Average equity | $6,414,500 | 6,080 |
| Average total loans | $25,582,000 | 6,447 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9043% | 3,597 |
| Cost of funding earning assets | 0.9668% | 4,199 |
| Net interest margin | 3.9374% | 3,137 |
| Noninterest income to average assets | 0.3377% | 5,186 |
| Noninterest expense to average assets | 2.4196% | 5,784 |
| Loan and lease loss provision to assets | 0.6158% | 1,552 |
| Net operating income to assets | 0.3077% | 5,345 |
| Return on assets (ROA) | 0.3178% | 5,432 |
| Pretax return on assets | 0.6675% | 4,512 |
| Return on Equity (ROE) | 2.5081% | 5,603 |
| Retained earnings to average equity (ytd only) | -1.5049% | 6,157 |
| Net charge-offs to loans | 1.3602% | 1,118 |
| Credit loss provision to net charge-offs | 89.0805% | 3,479 |
| Earnings coverage of net charge-offs (x) | 1.8333% | 3,949 |
| Efficiency ratio | 65.6250% | 4,946 |
| Assets per employee ($millions) | 5.3988% | 1,659 |
| Cash dividends to net income (ytd only)* | 160.0000% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 3,873 |
| Loan loss allowance to noncurrent loans | 109.3407% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.7491% | 5,410 |
| Noncurrent loans to loans | 1.4244% | 4,285 |
| Net loans and leases to total assets | 51.7730% | 5,604 |
| Net loans and leases to deposits | 59.9452% | 5,728 |
| Net loans and leases to core deposits | 78.1631% | 4,034 |
| Total domestic deposits to total assets | 86.3673% | 3,118 |
| Equity capital to assets | 13.1491% | 1,449 |
| Core capital (leverage) ratio | 12.1160% | 1,549 |
| Tier 1 risk-based capital ratio | 23.9297% | 1,013 |
| Total risk-based capital ratio | 25.2228% | 994 |
| Memoranda: | ||
| Average total assets | $50,339,330 | 6,473 |
| Average earning assets | $42,820,000 | 6,550 |
| Average equity | $6,379,330 | 6,119 |
| Average total loans | $25,583,670 | 6,503 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 3,770 |
| Cost of funding earning assets | 1.0208% | 4,058 |
| Net interest margin | 3.8396% | 3,418 |
| Noninterest income to average assets | 0.3358% | 5,222 |
| Noninterest expense to average assets | 2.4056% | 5,869 |
| Loan and lease loss provision to assets | 0.3124% | 2,672 |
| Net operating income to assets | 0.4877% | 4,537 |
| Return on assets (ROA) | 0.5077% | 4,544 |
| Pretax return on assets | 0.8513% | 3,701 |
| Return on Equity (ROE) | 4.0788% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.0788% | 3,714 |
| Net charge-offs to loans | 1.9845% | 642 |
| Credit loss provision to net charge-offs | 31.4961% | 4,093 |
| Earnings coverage of net charge-offs (x) | 1.1417% | 3,808 |
| Efficiency ratio | 67.9912% | 4,654 |
| Assets per employee ($millions) | 5.6334% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 5,129 |
| Loan loss allowance to noncurrent loans | 166.6667% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 6,228 |
| Noncurrent loans to loans | 0.7801% | 5,477 |
| Net loans and leases to total assets | 49.4073% | 5,918 |
| Net loans and leases to deposits | 56.8543% | 6,045 |
| Net loans and leases to core deposits | 70.0131% | 5,039 |
| Total domestic deposits to total assets | 86.9016% | 2,993 |
| Equity capital to assets | 12.6349% | 1,557 |
| Core capital (leverage) ratio | 12.3327% | 1,400 |
| Tier 1 risk-based capital ratio | 23.6081% | 1,012 |
| Total risk-based capital ratio | 24.8796% | 989 |
| Memoranda: | ||
| Average total assets | $51,214,500 | 6,488 |
| Average earning assets | $42,713,000 | 6,597 |
| Average equity | $6,374,500 | 6,136 |
| Average total loans | $25,598,500 | 6,555 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3686% | 2,815 |
| Cost of funding earning assets | 1.1501% | 4,847 |
| Net interest margin | 4.2186% | 2,107 |
| Noninterest income to average assets | 0.3840% | 5,030 |
| Noninterest expense to average assets | 2.5261% | 5,695 |
| Loan and lease loss provision to assets | 0.3491% | 4,034 |
| Net operating income to assets | 0.5373% | 3,938 |
| Return on assets (ROA) | 0.5504% | 4,042 |
| Pretax return on assets | 1.0022% | 2,923 |
| Return on Equity (ROE) | 4.2850% | 4,393 |
| Retained earnings to average equity (ytd only) | 0.1919% | 5,475 |
| Net charge-offs to loans | 0.0482% | 6,317 |
| Credit loss provision to net charge-offs | 1,416.6667% | 162 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 436 |
| Efficiency ratio | 65.4952% | 5,071 |
| Assets per employee ($millions) | 5.7476% | 1,392 |
| Cash dividends to net income (ytd only)* | 95.5224% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 3,520 |
| Loan loss allowance to noncurrent loans | 57.9167% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.3919% | 4,255 |
| Noncurrent loans to loans | 2.7889% | 2,732 |
| Net loans and leases to total assets | 49.1030% | 6,263 |
| Net loans and leases to deposits | 56.1897% | 6,427 |
| Net loans and leases to core deposits | 69.1665% | 5,531 |
| Total domestic deposits to total assets | 87.3879% | 2,617 |
| Equity capital to assets | 12.2622% | 1,761 |
| Core capital (leverage) ratio | 12.7874% | 1,201 |
| Tier 1 risk-based capital ratio | 23.5738% | 974 |
| Total risk-based capital ratio | 24.8571% | 949 |
| Memoranda: | ||
| Average total assets | $48,691,600 | 6,587 |
| Average earning assets | $40,084,600 | 6,713 |
| Average equity | $6,254,400 | 6,288 |
| Average total loans | $24,894,600 | 6,679 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4851% | 2,492 |
| Cost of funding earning assets | 1.1833% | 4,966 |
| Net interest margin | 4.3018% | 1,844 |
| Noninterest income to average assets | 0.4033% | 4,933 |
| Noninterest expense to average assets | 2.4784% | 5,793 |
| Loan and lease loss provision to assets | 0.3199% | 4,032 |
| Net operating income to assets | 0.6804% | 3,507 |
| Return on assets (ROA) | 0.6982% | 3,576 |
| Pretax return on assets | 1.2128% | 2,443 |
| Return on Equity (ROE) | 5.3698% | 4,097 |
| Retained earnings to average equity (ytd only) | 2.6315% | 4,574 |
| Net charge-offs to loans | -0.0162% | 7,326 |
| Credit loss provision to net charge-offs | -3,833.3333% | 7,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2207% | 5,586 |
| Assets per employee ($millions) | 5.1554% | 1,993 |
| Cash dividends to net income (ytd only)* | 50.9950% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 4,172 |
| Loan loss allowance to noncurrent loans | 661.4035% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 7,053 |
| Noncurrent loans to loans | 0.2203% | 6,737 |
| Net loans and leases to total assets | 54.9516% | 5,712 |
| Net loans and leases to deposits | 64.0789% | 5,905 |
| Net loans and leases to core deposits | 79.9054% | 4,530 |
| Total domestic deposits to total assets | 85.7562% | 3,213 |
| Equity capital to assets | 13.6684% | 1,286 |
| Core capital (leverage) ratio | 13.3669% | 1,098 |
| Tier 1 risk-based capital ratio | 25.6203% | 802 |
| Total risk-based capital ratio | 26.9151% | 787 |
| Memoranda: | ||
| Average total assets | $47,932,500 | 6,685 |
| Average earning assets | $39,889,000 | 6,802 |
| Average equity | $6,232,250 | 6,385 |
| Average total loans | $24,664,000 | 6,784 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4587% | 2,709 |
| Cost of funding earning assets | 1.2125% | 5,058 |
| Net interest margin | 4.2462% | 1,978 |
| Noninterest income to average assets | 0.4170% | 4,782 |
| Noninterest expense to average assets | 2.4854% | 5,764 |
| Loan and lease loss provision to assets | 0.2064% | 4,810 |
| Net operating income to assets | 0.7167% | 3,324 |
| Return on assets (ROA) | 0.7431% | 3,370 |
| Pretax return on assets | 1.2220% | 2,343 |
| Return on Equity (ROE) | 5.8105% | 3,888 |
| Retained earnings to average equity (ytd only) | 1.6786% | 5,035 |
| Net charge-offs to loans | -0.0330% | 7,370 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1791% | 5,302 |
| Assets per employee ($millions) | 5.2956% | 1,817 |
| Cash dividends to net income (ytd only)* | 71.1111% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 5,272 |
| Loan loss allowance to noncurrent loans | 665.9574% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 7,148 |
| Noncurrent loans to loans | 0.1852% | 6,883 |
| Net loans and leases to total assets | 52.5787% | 6,153 |
| Net loans and leases to deposits | 61.0124% | 6,307 |
| Net loans and leases to core deposits | 75.7253% | 5,224 |
| Total domestic deposits to total assets | 86.1771% | 2,996 |
| Equity capital to assets | 13.1893% | 1,479 |
| Core capital (leverage) ratio | 12.5547% | 1,387 |
| Tier 1 risk-based capital ratio | 25.6538% | 797 |
| Total risk-based capital ratio | 26.9445% | 779 |
| Memoranda: | ||
| Average total assets | $48,443,670 | 6,716 |
| Average earning assets | $39,423,330 | 6,870 |
| Average equity | $6,195,670 | 6,406 |
| Average total loans | $24,260,670 | 6,847 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 2,678 |
| Cost of funding earning assets | 1.2843% | 4,908 |
| Net interest margin | 4.1976% | 2,050 |
| Noninterest income to average assets | 0.4505% | 4,460 |
| Noninterest expense to average assets | 2.4654% | 5,855 |
| Loan and lease loss provision to assets | 0.1065% | 5,562 |
| Net operating income to assets | 0.7863% | 3,030 |
| Return on assets (ROA) | 0.7863% | 3,147 |
| Pretax return on assets | 1.1713% | 2,468 |
| Return on Equity (ROE) | 6.2434% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.2434% | 2,498 |
| Net charge-offs to loans | -0.0506% | 7,351 |
| Credit loss provision to net charge-offs | -433.3333% | 6,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8643% | 5,148 |
| Assets per employee ($millions) | 5.4917% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 5,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 47.5549% | 6,712 |
| Net loans and leases to deposits | 54.7636% | 6,869 |
| Net loans and leases to core deposits | 67.2735% | 6,181 |
| Total domestic deposits to total assets | 86.8366% | 2,715 |
| Equity capital to assets | 12.5685% | 1,712 |
| Core capital (leverage) ratio | 12.4091% | 1,447 |
| Tier 1 risk-based capital ratio | 26.0304% | 770 |
| Total risk-based capital ratio | 27.1989% | 763 |
| Memoranda: | ||
| Average total assets | $48,835,500 | 6,770 |
| Average earning assets | $38,308,000 | 7,009 |
| Average equity | $6,150,500 | 6,470 |
| Average total loans | $23,705,000 | 6,960 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7782% | 2,747 |
| Cost of funding earning assets | 1.2950% | 6,326 |
| Net interest margin | 4.4832% | 1,210 |
| Noninterest income to average assets | 0.3658% | 5,471 |
| Noninterest expense to average assets | 2.7116% | 5,334 |
| Loan and lease loss provision to assets | 0.1643% | 6,046 |
| Net operating income to assets | 0.6445% | 3,161 |
| Return on assets (ROA) | 0.6921% | 3,039 |
| Pretax return on assets | 1.1433% | 2,115 |
| Return on Equity (ROE) | 5.2427% | 3,565 |
| Retained earnings to average equity (ytd only) | 0.9955% | 4,337 |
| Net charge-offs to loans | 0.0451% | 6,654 |
| Credit loss provision to net charge-offs | 750.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 56.3000% | 470 |
| Efficiency ratio | 68.7396% | 4,872 |
| Assets per employee ($millions) | 5.3607% | 1,781 |
| Cash dividends to net income (ytd only)* | 81.0127% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 5,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 48.4434% | 6,775 |
| Net loans and leases to deposits | 55.7565% | 6,935 |
| Net loans and leases to core deposits | 81.1049% | 5,989 |
| Total domestic deposits to total assets | 86.8839% | 2,568 |
| Equity capital to assets | 12.6207% | 1,684 |
| Core capital (leverage) ratio | 13.1479% | 1,199 |
| Tier 1 risk-based capital ratio | 25.5357% | 799 |
| Total risk-based capital ratio | 26.6325% | 794 |
| Memoranda: | ||
| Average total assets | $45,655,800 | 6,887 |
| Average earning assets | $36,447,400 | 7,076 |
| Average equity | $6,027,400 | 6,595 |
| Average total loans | $22,170,200 | 7,079 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7502% | 3,097 |
| Cost of funding earning assets | 1.2640% | 6,675 |
| Net interest margin | 4.4863% | 1,226 |
| Noninterest income to average assets | 0.3436% | 5,748 |
| Noninterest expense to average assets | 2.8320% | 4,754 |
| Loan and lease loss provision to assets | 0.1333% | 6,027 |
| Net operating income to assets | 0.5902% | 3,634 |
| Return on assets (ROA) | 0.6547% | 3,443 |
| Pretax return on assets | 1.0961% | 2,589 |
| Return on Equity (ROE) | 4.9012% | 4,008 |
| Retained earnings to average equity (ytd only) | 2.0625% | 4,171 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5034% | 4,327 |
| Assets per employee ($millions) | 5.0096% | 2,130 |
| Cash dividends to net income (ytd only)* | 57.9176% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 6,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 52.6971% | 6,537 |
| Net loans and leases to deposits | 61.4293% | 6,724 |
| Net loans and leases to core deposits | 89.6904% | 5,464 |
| Total domestic deposits to total assets | 85.7849% | 2,814 |
| Equity capital to assets | 13.6473% | 1,435 |
| Core capital (leverage) ratio | 13.6496% | 1,186 |
| Tier 1 risk-based capital ratio | 26.1867% | 809 |
| Total risk-based capital ratio | 27.2146% | 807 |
| Memoranda: | ||
| Average total assets | $45,008,250 | 6,962 |
| Average earning assets | $36,287,750 | 7,147 |
| Average equity | $6,012,000 | 6,658 |
| Average total loans | $21,805,000 | 7,157 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7183% | 3,442 |
| Cost of funding earning assets | 1.2497% | 6,963 |
| Net interest margin | 4.4686% | 1,250 |
| Noninterest income to average assets | 0.3379% | 5,813 |
| Noninterest expense to average assets | 2.7789% | 5,049 |
| Loan and lease loss provision to assets | 0.1112% | 6,034 |
| Net operating income to assets | 0.6155% | 3,617 |
| Return on assets (ROA) | 0.6269% | 3,665 |
| Pretax return on assets | 1.0271% | 2,896 |
| Return on Equity (ROE) | 4.7276% | 4,196 |
| Retained earnings to average equity (ytd only) | 0.4359% | 5,041 |
| Net charge-offs to loans | -0.0095% | 7,601 |
| Credit loss provision to net charge-offs | -2,500.0000% | 7,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2657% | 4,544 |
| Assets per employee ($millions) | 4.9030% | 2,187 |
| Cash dividends to net income (ytd only)* | 90.7801% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 6,442 |
| Loan loss allowance to noncurrent loans | 730.0000% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 7,417 |
| Noncurrent loans to loans | 0.1329% | 7,184 |
| Net loans and leases to total assets | 50.6425% | 6,812 |
| Net loans and leases to deposits | 58.7940% | 6,976 |
| Net loans and leases to core deposits | 81.0878% | 6,316 |
| Total domestic deposits to total assets | 86.1355% | 2,720 |
| Equity capital to assets | 13.3818% | 1,531 |
| Core capital (leverage) ratio | 13.6558% | 1,226 |
| Tier 1 risk-based capital ratio | 27.5714% | 742 |
| Total risk-based capital ratio | 28.5806% | 735 |
| Memoranda: | ||
| Average total assets | $44,982,330 | 7,022 |
| Average earning assets | $35,850,000 | 7,230 |
| Average equity | $5,965,000 | 6,731 |
| Average total loans | $21,074,330 | 7,266 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7005% | 3,806 |
| Cost of funding earning assets | 1.2255% | 7,237 |
| Net interest margin | 4.4749% | 1,184 |
| Noninterest income to average assets | 0.3259% | 5,849 |
| Noninterest expense to average assets | 2.7483% | 4,786 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7251% | 3,443 |
| Return on assets (ROA) | 0.7487% | 3,531 |
| Pretax return on assets | 1.1187% | 2,916 |
| Return on Equity (ROE) | 5.6714% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.6714% | 2,790 |
| Net charge-offs to loans | -0.0197% | 7,435 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7241% | 4,235 |
| Assets per employee ($millions) | 4.8822% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 6,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 46.0014% | 7,189 |
| Net loans and leases to deposits | 53.7995% | 7,304 |
| Net loans and leases to core deposits | 72.7977% | 6,874 |
| Total domestic deposits to total assets | 85.5052% | 2,966 |
| Equity capital to assets | 13.9531% | 1,379 |
| Core capital (leverage) ratio | 13.6506% | 1,278 |
| Tier 1 risk-based capital ratio | 30.7095% | 592 |
| Total risk-based capital ratio | 31.6935% | 592 |
| Memoranda: | ||
| Average total assets | $45,410,000 | 7,052 |
| Average earning assets | $35,576,000 | 7,278 |
| Average equity | $5,995,000 | 6,760 |
| Average total loans | $20,328,500 | 7,343 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5034% | 7,297 |
| Cost of funding earning assets | 1.3405% | 7,802 |
| Net interest margin | 4.1629% | 2,454 |
| Noninterest income to average assets | 0.3051% | 6,271 |
| Noninterest expense to average assets | 2.5821% | 5,709 |
| Loan and lease loss provision to assets | 0.0578% | 6,691 |
| Net operating income to assets | 0.8498% | 3,223 |
| Return on assets (ROA) | 0.8646% | 3,004 |
| Pretax return on assets | 1.3639% | 2,075 |
| Return on Equity (ROE) | 6.4937% | 3,754 |
| Retained earnings to average equity (ytd only) | 2.0488% | 3,963 |
| Net charge-offs to loans | 0.1066% | 5,225 |
| Credit loss provision to net charge-offs | 131.5789% | 4,047 |
| Earnings coverage of net charge-offs (x) | 31.8421% | 1,124 |
| Efficiency ratio | 64.8664% | 5,358 |
| Assets per employee ($millions) | 5.2089% | 1,717 |
| Cash dividends to net income (ytd only)* | 68.4492% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9531% | 6,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 42.7837% | 7,543 |
| Net loans and leases to deposits | 50.2694% | 7,620 |
| Net loans and leases to core deposits | 57.9213% | 7,670 |
| Total domestic deposits to total assets | 85.1088% | 2,794 |
| Equity capital to assets | 12.4979% | 2,015 |
| Core capital (leverage) ratio | 14.2567% | 1,205 |
| Tier 1 risk-based capital ratio | 29.1661% | 688 |
| Total risk-based capital ratio | 30.1089% | 694 |
| Memoranda: | ||
| Average total assets | $43,259,000 | 7,064 |
| Average earning assets | $38,194,600 | 7,126 |
| Average equity | $5,759,400 | 6,894 |
| Average total loans | $17,830,800 | 7,469 |