Home > Bank of Clarks > Performance and Condition Ratios
Bank of Clarks, 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 | 5.1549% | 1,752 |
| Cost of funding earning assets | 1.5182% | 1,899 |
| Net interest margin | 3.6366% | 1,886 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 3.3248% | 723 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.1411% | 4,218 |
| Return on assets (ROA) | 0.1540% | 4,235 |
| Pretax return on assets | 0.1826% | 4,211 |
| Return on Equity (ROE) | 1.5200% | 4,209 |
| Retained earnings to average equity (ytd only) | 1.5239% | 3,704 |
| Net charge-offs to loans | -0.0991% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 92.5858% | 346 |
| Assets per employee ($millions) | 3.7433% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1153% | 317 |
| Loan loss allowance to noncurrent loans | 84.4475% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.6318% | 216 |
| Noncurrent loans to loans | 2.5049% | 195 |
| Net loans and leases to total assets | 63.7700% | 2,484 |
| Net loans and leases to deposits | 71.5438% | 2,783 |
| Net loans and leases to core deposits | 72.0967% | 3,182 |
| Total domestic deposits to total assets | 89.1300% | 1,024 |
| Equity capital to assets | 10.2471% | 1,870 |
| Core capital (leverage) ratio | 10.0837% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7122% | 1,625 |
| Memoranda: | ||
| Average total assets | $45,445,800 | 4,353 |
| Average earning assets | $42,154,200 | 4,324 |
| Average equity | $4,593,400 | 4,296 |
| Average total loans | $25,219,400 | 4,210 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 1,819 |
| Cost of funding earning assets | 1.4255% | 1,797 |
| Net interest margin | 3.5793% | 2,056 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 3.1623% | 856 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.2270% | 4,204 |
| Return on assets (ROA) | 0.2370% | 4,206 |
| Pretax return on assets | 0.2779% | 4,188 |
| Return on Equity (ROE) | 2.3500% | 4,164 |
| Retained earnings to average equity (ytd only) | 2.3524% | 3,657 |
| Net charge-offs to loans | 0.0386% | 1,336 |
| Credit loss provision to net charge-offs | 642.8571% | 534 |
| Earnings coverage of net charge-offs (x) | 19.4286% | 1,833 |
| Efficiency ratio | 88.8250% | 416 |
| Assets per employee ($millions) | 3.7523% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4309% | 215 |
| Loan loss allowance to noncurrent loans | 72.1130% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.8078% | 172 |
| Noncurrent loans to loans | 3.3710% | 112 |
| Net loans and leases to total assets | 52.3200% | 3,476 |
| Net loans and leases to deposits | 58.6683% | 3,572 |
| Net loans and leases to core deposits | 59.1143% | 3,735 |
| Total domestic deposits to total assets | 89.1800% | 1,189 |
| Equity capital to assets | 10.2447% | 1,673 |
| Core capital (leverage) ratio | 10.0074% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4094% | 1,222 |
| Memoranda: | ||
| Average total assets | $45,577,250 | 4,364 |
| Average earning assets | $42,464,750 | 4,343 |
| Average equity | $4,591,000 | 4,308 |
| Average total loans | $24,208,500 | 4,245 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8500% | 1,886 |
| Cost of funding earning assets | 1.3087% | 1,684 |
| Net interest margin | 3.5413% | 2,174 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.9196% | 1,173 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 0.3230% | 4,124 |
| Return on assets (ROA) | 0.2885% | 4,200 |
| Pretax return on assets | 0.3802% | 4,144 |
| Return on Equity (ROE) | 2.8800% | 4,176 |
| Retained earnings to average equity (ytd only) | 2.8796% | 3,515 |
| Net charge-offs to loans | -0.1981% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.4691% | 683 |
| Assets per employee ($millions) | 4.6830% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6381% | 186 |
| Loan loss allowance to noncurrent loans | 83.2659% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.5823% | 220 |
| Noncurrent loans to loans | 3.1683% | 130 |
| Net loans and leases to total assets | 48.6200% | 3,654 |
| Net loans and leases to deposits | 54.7393% | 3,709 |
| Net loans and leases to core deposits | 55.8126% | 3,820 |
| Total domestic deposits to total assets | 88.8300% | 1,308 |
| Equity capital to assets | 9.8206% | 1,966 |
| Core capital (leverage) ratio | 9.8177% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $45,760,333 | 4,384 |
| Average earning assets | $42,639,333 | 4,366 |
| Average equity | $4,584,000 | 4,336 |
| Average total loans | $24,229,000 | 4,258 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8111% | 1,598 |
| Cost of funding earning assets | 1.0575% | 1,868 |
| Net interest margin | 3.7536% | 1,787 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.5207% | 2,195 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.9001% | 2,851 |
| Return on assets (ROA) | 0.7783% | 3,221 |
| Pretax return on assets | 0.9641% | 3,094 |
| Return on Equity (ROE) | 7.6900% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.6915% | 2,317 |
| Net charge-offs to loans | -0.5352% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.9014% | 2,099 |
| Assets per employee ($millions) | 5.9293% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6323% | 198 |
| Loan loss allowance to noncurrent loans | 68.5846% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.8320% | 147 |
| Noncurrent loans to loans | 3.8380% | 98 |
| Net loans and leases to total assets | 46.4800% | 3,750 |
| Net loans and leases to deposits | 52.2145% | 3,781 |
| Net loans and leases to core deposits | 53.4980% | 3,854 |
| Total domestic deposits to total assets | 89.0100% | 1,543 |
| Equity capital to assets | 9.7398% | 1,970 |
| Core capital (leverage) ratio | 10.0376% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2292% | 960 |
| Memoranda: | ||
| Average total assets | $45,225,500 | 4,458 |
| Average earning assets | $41,986,500 | 4,436 |
| Average equity | $4,576,500 | 4,395 |
| Average total loans | $24,662,500 | 4,313 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 2,940 |
| Cost of funding earning assets | 0.4567% | 1,673 |
| Net interest margin | 3.0940% | 3,190 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.6223% | 1,765 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.3453% | 4,322 |
| Return on assets (ROA) | 0.4363% | 4,161 |
| Pretax return on assets | 0.5262% | 4,140 |
| Return on Equity (ROE) | 4.4600% | 4,092 |
| Retained earnings to average equity (ytd only) | 2.2187% | 3,933 |
| Net charge-offs to loans | 0.2054% | 405 |
| Credit loss provision to net charge-offs | 58.8235% | 1,782 |
| Earnings coverage of net charge-offs (x) | 4.3137% | 2,424 |
| Efficiency ratio | 84.4633% | 472 |
| Assets per employee ($millions) | 4.7797% | 3,832 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0575% | 391 |
| Loan loss allowance to noncurrent loans | 56.7149% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 2.2503% | 102 |
| Noncurrent loans to loans | 3.6278% | 106 |
| Net loans and leases to total assets | 60.7500% | 2,580 |
| Net loans and leases to deposits | 69.9237% | 2,588 |
| Net loans and leases to core deposits | 71.8619% | 2,735 |
| Total domestic deposits to total assets | 86.8800% | 2,430 |
| Equity capital to assets | 10.5377% | 1,437 |
| Core capital (leverage) ratio | 10.4715% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5019% | 1,233 |
| Memoranda: | ||
| Average total assets | $45,608,600 | 4,483 |
| Average earning assets | $42,695,000 | 4,451 |
| Average equity | $4,462,000 | 4,489 |
| Average total loans | $24,825,000 | 4,332 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2879% | 3,212 |
| Cost of funding earning assets | 0.4056% | 1,248 |
| Net interest margin | 2.8823% | 3,535 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.6922% | 1,490 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.1431% | 4,518 |
| Return on assets (ROA) | 0.2508% | 4,393 |
| Pretax return on assets | 0.3027% | 4,371 |
| Return on Equity (ROE) | 2.6100% | 4,340 |
| Retained earnings to average equity (ytd only) | 2.6100% | 3,887 |
| Net charge-offs to loans | 0.3065% | 210 |
| Credit loss provision to net charge-offs | 26.7857% | 1,612 |
| Earnings coverage of net charge-offs (x) | 1.3393% | 2,277 |
| Efficiency ratio | 92.5669% | 267 |
| Assets per employee ($millions) | 5.0456% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1582% | 372 |
| Loan loss allowance to noncurrent loans | 47.7437% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 2.4400% | 88 |
| Noncurrent loans to loans | 4.5204% | 74 |
| Net loans and leases to total assets | 52.8100% | 3,203 |
| Net loans and leases to deposits | 59.5146% | 3,242 |
| Net loans and leases to core deposits | 61.8220% | 3,249 |
| Total domestic deposits to total assets | 88.7400% | 2,190 |
| Equity capital to assets | 9.9538% | 1,651 |
| Core capital (leverage) ratio | 9.7698% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2811% | 1,126 |
| Memoranda: | ||
| Average total assets | $46,256,500 | 4,510 |
| Average earning assets | $43,390,250 | 4,482 |
| Average equity | $4,444,250 | 4,528 |
| Average total loans | $24,360,500 | 4,372 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0150% | 3,521 |
| Cost of funding earning assets | 0.4084% | 869 |
| Net interest margin | 2.6066% | 3,895 |
| Noninterest income to average assets | 0.2149% | 3,917 |
| Noninterest expense to average assets | 2.7117% | 1,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0559% | 4,600 |
| Return on assets (ROA) | -0.0559% | 4,569 |
| Pretax return on assets | -0.0559% | 4,557 |
| Return on Equity (ROE) | -0.5884% | 4,575 |
| Retained earnings to average equity (ytd only) | -0.5884% | 4,253 |
| Net charge-offs to loans | 0.2962% | 234 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | -0.3611% | 2,109 |
| Efficiency ratio | 102.1036% | 172 |
| Assets per employee ($millions) | 5.2162% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2157% | 378 |
| Loan loss allowance to noncurrent loans | 46.2338% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 2.4603% | 87 |
| Noncurrent loans to loans | 4.7923% | 70 |
| Net loans and leases to total assets | 50.2002% | 3,358 |
| Net loans and leases to deposits | 56.1882% | 3,361 |
| Net loans and leases to core deposits | 57.5605% | 3,461 |
| Total domestic deposits to total assets | 89.3431% | 2,029 |
| Equity capital to assets | 9.4172% | 2,082 |
| Core capital (leverage) ratio | 9.3507% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4440% | 1,089 |
| Memoranda: | ||
| Average total assets | $46,538,667 | 4,554 |
| Average earning assets | $43,582,000 | 4,539 |
| Average equity | $4,419,000 | 4,578 |
| Average total loans | $24,310,333 | 4,426 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8084% | 3,731 |
| Cost of funding earning assets | 0.4171% | 788 |
| Net interest margin | 2.3914% | 4,092 |
| Noninterest income to average assets | 0.2503% | 3,644 |
| Noninterest expense to average assets | 2.7538% | 1,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2762% | 4,657 |
| Return on assets (ROA) | -0.2762% | 4,645 |
| Pretax return on assets | -0.2762% | 4,630 |
| Return on Equity (ROE) | -2.8972% | 4,659 |
| Retained earnings to average equity (ytd only) | -2.8972% | 4,304 |
| Net charge-offs to loans | 0.2621% | 246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 1,799 |
| Efficiency ratio | 111.1498% | 123 |
| Assets per employee ($millions) | 5.3148% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3588% | 338 |
| Loan loss allowance to noncurrent loans | 43.9237% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 2.6321% | 83 |
| Noncurrent loans to loans | 5.3702% | 62 |
| Net loans and leases to total assets | 47.8561% | 3,400 |
| Net loans and leases to deposits | 53.3963% | 3,464 |
| Net loans and leases to core deposits | 54.6716% | 3,549 |
| Total domestic deposits to total assets | 89.6243% | 1,758 |
| Equity capital to assets | 9.2029% | 2,525 |
| Core capital (leverage) ratio | 9.4967% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6696% | 1,351 |
| Memoranda: | ||
| Average total assets | $46,335,500 | 4,581 |
| Average earning assets | $43,155,500 | 4,564 |
| Average equity | $4,418,000 | 4,619 |
| Average total loans | $24,415,000 | 4,439 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 698 |
| Cost of funding earning assets | 0.5043% | 915 |
| Net interest margin | 3.9118% | 836 |
| Noninterest income to average assets | 0.2204% | 4,049 |
| Noninterest expense to average assets | 2.8467% | 1,255 |
| Loan and lease loss provision to assets | 0.0750% | 1,613 |
| Net operating income to assets | 0.7475% | 3,497 |
| Return on assets (ROA) | 0.7475% | 3,561 |
| Pretax return on assets | 0.9292% | 3,423 |
| Return on Equity (ROE) | 7.3635% | 3,415 |
| Retained earnings to average equity (ytd only) | 2.8872% | 3,684 |
| Net charge-offs to loans | 0.0037% | 2,481 |
| Credit loss provision to net charge-offs | 3,300.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 442.0000% | 303 |
| Efficiency ratio | 73.9233% | 1,315 |
| Assets per employee ($millions) | 4.9821% | 3,749 |
| Cash dividends to net income (ytd only)* | 60.7903% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2414% | 419 |
| Loan loss allowance to noncurrent loans | 85.8220% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.4786% | 285 |
| Noncurrent loans to loans | 2.6117% | 254 |
| Net loans and leases to total assets | 55.3469% | 2,701 |
| Net loans and leases to deposits | 62.5633% | 2,829 |
| Net loans and leases to core deposits | 64.1813% | 2,968 |
| Total domestic deposits to total assets | 88.4654% | 1,802 |
| Equity capital to assets | 9.8976% | 2,754 |
| Core capital (leverage) ratio | 9.9953% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9667% | 1,524 |
| Memoranda: | ||
| Average total assets | $44,015,200 | 4,619 |
| Average earning assets | $40,850,600 | 4,611 |
| Average equity | $4,468,000 | 4,675 |
| Average total loans | $27,038,000 | 4,433 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 461 |
| Cost of funding earning assets | 0.5206% | 952 |
| Net interest margin | 4.2071% | 537 |
| Noninterest income to average assets | 0.2191% | 4,090 |
| Noninterest expense to average assets | 2.8273% | 1,277 |
| Loan and lease loss provision to assets | 0.1004% | 1,199 |
| Net operating income to assets | 0.9648% | 3,034 |
| Return on assets (ROA) | 0.9648% | 3,119 |
| Pretax return on assets | 1.2022% | 2,923 |
| Return on Equity (ROE) | 9.4438% | 2,952 |
| Retained earnings to average equity (ytd only) | 9.4438% | 1,520 |
| Net charge-offs to loans | 0.0097% | 1,956 |
| Credit loss provision to net charge-offs | 1,650.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 214.0000% | 532 |
| Efficiency ratio | 68.4598% | 1,764 |
| Assets per employee ($millions) | 4.8910% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2497% | 421 |
| Loan loss allowance to noncurrent loans | 36.6925% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 3.5167% | 57 |
| Noncurrent loans to loans | 6.1312% | 55 |
| Net loans and leases to total assets | 56.0667% | 2,722 |
| Net loans and leases to deposits | 63.6411% | 2,887 |
| Net loans and leases to core deposits | 65.3256% | 3,011 |
| Total domestic deposits to total assets | 88.0983% | 1,781 |
| Equity capital to assets | 10.5091% | 2,454 |
| Core capital (leverage) ratio | 10.4786% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1896% | 1,315 |
| Memoranda: | ||
| Average total assets | $43,809,250 | 4,688 |
| Average earning assets | $40,723,750 | 4,675 |
| Average equity | $4,475,500 | 4,743 |
| Average total loans | $27,451,000 | 4,485 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 438 |
| Cost of funding earning assets | 0.5461% | 960 |
| Net interest margin | 4.3046% | 489 |
| Noninterest income to average assets | 0.2332% | 4,007 |
| Noninterest expense to average assets | 2.8075% | 1,336 |
| Loan and lease loss provision to assets | 0.1143% | 1,102 |
| Net operating income to assets | 1.0517% | 2,709 |
| Return on assets (ROA) | 1.0517% | 2,790 |
| Pretax return on assets | 1.3123% | 2,598 |
| Return on Equity (ROE) | 10.3947% | 2,616 |
| Retained earnings to average equity (ytd only) | 10.3947% | 1,288 |
| Net charge-offs to loans | 0.0993% | 741 |
| Credit loss provision to net charge-offs | 178.5714% | 1,096 |
| Earnings coverage of net charge-offs (x) | 22.2857% | 1,492 |
| Efficiency ratio | 66.3067% | 2,103 |
| Assets per employee ($millions) | 5.0391% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2089% | 419 |
| Loan loss allowance to noncurrent loans | 34.7275% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 3.4794% | 74 |
| Noncurrent loans to loans | 6.3606% | 52 |
| Net loans and leases to total assets | 53.4949% | 3,193 |
| Net loans and leases to deposits | 60.3537% | 3,365 |
| Net loans and leases to core deposits | 61.8935% | 3,468 |
| Total domestic deposits to total assets | 88.6356% | 1,484 |
| Equity capital to assets | 10.0084% | 2,842 |
| Core capital (leverage) ratio | 9.8771% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8216% | 1,168 |
| Memoranda: | ||
| Average total assets | $43,739,333 | 4,721 |
| Average earning assets | $40,654,000 | 4,705 |
| Average equity | $4,425,333 | 4,776 |
| Average total loans | $28,185,333 | 4,504 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 436 |
| Cost of funding earning assets | 0.5919% | 910 |
| Net interest margin | 4.2736% | 542 |
| Noninterest income to average assets | 0.2422% | 3,945 |
| Noninterest expense to average assets | 2.8789% | 1,201 |
| Loan and lease loss provision to assets | 0.1584% | 806 |
| Net operating income to assets | 1.1273% | 2,392 |
| Return on assets (ROA) | 1.1273% | 2,465 |
| Pretax return on assets | 1.1739% | 2,917 |
| Return on Equity (ROE) | 11.0793% | 2,339 |
| Retained earnings to average equity (ytd only) | 11.0793% | 1,382 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3628% | 1,885 |
| Assets per employee ($millions) | 5.0679% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9427% | 678 |
| Loan loss allowance to noncurrent loans | 68.7732% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.7693% | 318 |
| Noncurrent loans to loans | 2.8248% | 294 |
| Net loans and leases to total assets | 61.4172% | 2,347 |
| Net loans and leases to deposits | 69.0452% | 2,597 |
| Net loans and leases to core deposits | 70.7900% | 2,802 |
| Total domestic deposits to total assets | 88.9522% | 1,362 |
| Equity capital to assets | 9.7104% | 2,988 |
| Core capital (leverage) ratio | 10.1248% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1636% | 1,523 |
| Memoranda: | ||
| Average total assets | $42,933,000 | 4,750 |
| Average earning assets | $39,872,500 | 4,736 |
| Average equity | $4,368,500 | 4,803 |
| Average total loans | $29,873,500 | 4,491 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1200% | 394 |
| Cost of funding earning assets | 0.7430% | 1,493 |
| Net interest margin | 4.3770% | 425 |
| Noninterest income to average assets | 0.2566% | 3,946 |
| Noninterest expense to average assets | 3.1365% | 1,167 |
| Loan and lease loss provision to assets | 0.2068% | 1,908 |
| Net operating income to assets | 0.7673% | 3,213 |
| Return on assets (ROA) | 0.7673% | 3,335 |
| Pretax return on assets | 0.9492% | 3,221 |
| Return on Equity (ROE) | 7.1263% | 3,160 |
| Retained earnings to average equity (ytd only) | 2.4988% | 3,605 |
| Net charge-offs to loans | 0.1126% | 1,350 |
| Credit loss provision to net charge-offs | 230.5556% | 2,017 |
| Earnings coverage of net charge-offs (x) | 12.8889% | 2,309 |
| Efficiency ratio | 73.0702% | 1,562 |
| Assets per employee ($millions) | 4.4728% | 3,946 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7223% | 990 |
| Loan loss allowance to noncurrent loans | 571.2766% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 3,121 |
| Noncurrent loans to loans | 0.3015% | 3,115 |
| Net loans and leases to total assets | 76.1197% | 777 |
| Net loans and leases to deposits | 88.0441% | 1,087 |
| Net loans and leases to core deposits | 90.6488% | 1,480 |
| Total domestic deposits to total assets | 86.4563% | 2,168 |
| Equity capital to assets | 10.7018% | 2,520 |
| Core capital (leverage) ratio | 10.8108% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7202% | 2,352 |
| Memoranda: | ||
| Average total assets | $40,140,000 | 4,772 |
| Average earning assets | $37,011,600 | 4,753 |
| Average equity | $4,322,000 | 4,818 |
| Average total loans | $31,959,200 | 4,482 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2265% | 394 |
| Cost of funding earning assets | 0.7672% | 1,649 |
| Net interest margin | 4.4593% | 423 |
| Noninterest income to average assets | 0.2659% | 3,872 |
| Noninterest expense to average assets | 3.2077% | 1,062 |
| Loan and lease loss provision to assets | 0.1994% | 1,997 |
| Net operating income to assets | 0.7978% | 3,101 |
| Return on assets (ROA) | 0.7978% | 3,220 |
| Pretax return on assets | 0.9739% | 3,151 |
| Return on Equity (ROE) | 7.3978% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.3978% | 1,537 |
| Net charge-offs to loans | 0.1783% | 837 |
| Credit loss provision to net charge-offs | 139.5349% | 2,389 |
| Earnings coverage of net charge-offs (x) | 8.2093% | 2,517 |
| Efficiency ratio | 73.2170% | 1,491 |
| Assets per employee ($millions) | 3.9067% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 1,195 |
| Loan loss allowance to noncurrent loans | 198.8235% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6527% | 1,778 |
| Noncurrent loans to loans | 0.7872% | 1,851 |
| Net loans and leases to total assets | 81.6213% | 466 |
| Net loans and leases to deposits | 94.8087% | 861 |
| Net loans and leases to core deposits | 97.7140% | 1,330 |
| Total domestic deposits to total assets | 86.0906% | 2,024 |
| Equity capital to assets | 11.3677% | 2,103 |
| Core capital (leverage) ratio | 10.5771% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7905% | 2,290 |
| Memoranda: | ||
| Average total assets | $40,111,250 | 4,798 |
| Average earning assets | $37,015,250 | 4,779 |
| Average equity | $4,325,500 | 4,843 |
| Average total loans | $32,154,250 | 4,506 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 544 |
| Cost of funding earning assets | 0.7931% | 1,861 |
| Net interest margin | 4.4266% | 585 |
| Noninterest income to average assets | 0.2719% | 3,851 |
| Noninterest expense to average assets | 3.1983% | 1,164 |
| Loan and lease loss provision to assets | 0.1878% | 2,144 |
| Net operating income to assets | 0.8107% | 3,004 |
| Return on assets (ROA) | 0.8107% | 3,121 |
| Pretax return on assets | 0.9689% | 3,117 |
| Return on Equity (ROE) | 7.6510% | 2,882 |
| Retained earnings to average equity (ytd only) | 7.6510% | 1,417 |
| Net charge-offs to loans | 0.2058% | 753 |
| Credit loss provision to net charge-offs | 112.1212% | 2,326 |
| Earnings coverage of net charge-offs (x) | 7.0909% | 2,395 |
| Efficiency ratio | 73.4393% | 1,515 |
| Assets per employee ($millions) | 4.1614% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 1,111 |
| Loan loss allowance to noncurrent loans | 61.2144% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.9393% | 388 |
| Noncurrent loans to loans | 2.5418% | 450 |
| Net loans and leases to total assets | 75.1069% | 1,260 |
| Net loans and leases to deposits | 86.1684% | 1,747 |
| Net loans and leases to core deposits | 88.6114% | 2,189 |
| Total domestic deposits to total assets | 87.1630% | 1,556 |
| Equity capital to assets | 10.4869% | 2,751 |
| Core capital (leverage) ratio | 10.5185% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4470% | 2,423 |
| Memoranda: | ||
| Average total assets | $40,459,333 | 4,813 |
| Average earning assets | $37,320,000 | 4,798 |
| Average equity | $4,287,000 | 4,873 |
| Average total loans | $32,074,333 | 4,526 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5103% | 373 |
| Cost of funding earning assets | 0.8511% | 2,109 |
| Net interest margin | 4.6592% | 370 |
| Noninterest income to average assets | 0.3209% | 3,597 |
| Noninterest expense to average assets | 3.3198% | 1,183 |
| Loan and lease loss provision to assets | 0.1504% | 1,895 |
| Net operating income to assets | 0.9729% | 2,272 |
| Return on assets (ROA) | 0.9729% | 2,377 |
| Pretax return on assets | 1.1333% | 2,415 |
| Return on Equity (ROE) | 9.1326% | 2,055 |
| Retained earnings to average equity (ytd only) | 9.1326% | 935 |
| Net charge-offs to loans | 0.4095% | 357 |
| Credit loss provision to net charge-offs | 45.4545% | 2,070 |
| Earnings coverage of net charge-offs (x) | 3.8788% | 2,179 |
| Efficiency ratio | 72.1133% | 2,061 |
| Assets per employee ($millions) | 3.3651% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 1,477 |
| Loan loss allowance to noncurrent loans | 284.3373% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 2,814 |
| Noncurrent loans to loans | 0.5145% | 2,724 |
| Net loans and leases to total assets | 78.7301% | 876 |
| Net loans and leases to deposits | 90.6659% | 1,435 |
| Net loans and leases to core deposits | 91.9774% | 2,157 |
| Total domestic deposits to total assets | 86.8354% | 1,629 |
| Equity capital to assets | 10.6411% | 3,196 |
| Core capital (leverage) ratio | 10.6306% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2412% | 2,596 |
| Memoranda: | ||
| Average total assets | $39,882,000 | 4,855 |
| Average earning assets | $36,658,500 | 4,841 |
| Average equity | $4,248,500 | 4,917 |
| Average total loans | $32,237,000 | 4,558 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9595% | 243 |
| Cost of funding earning assets | 0.9322% | 2,047 |
| Net interest margin | 5.0273% | 253 |
| Noninterest income to average assets | 0.2466% | 4,206 |
| Noninterest expense to average assets | 3.4782% | 993 |
| Loan and lease loss provision to assets | 0.1432% | 1,490 |
| Net operating income to assets | 0.9968% | 2,859 |
| Return on assets (ROA) | 0.9968% | 2,944 |
| Pretax return on assets | 1.2434% | 2,690 |
| Return on Equity (ROE) | 8.8546% | 2,820 |
| Retained earnings to average equity (ytd only) | 1.7898% | 4,093 |
| Net charge-offs to loans | -0.1056% | 4,965 |
| Credit loss provision to net charge-offs | -158.8235% | 4,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4986% | 1,943 |
| Assets per employee ($millions) | 3.9383% | 3,988 |
| Cash dividends to net income (ytd only)* | 79.7872% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 1,164 |
| Loan loss allowance to noncurrent loans | 284.8837% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 2,650 |
| Noncurrent loans to loans | 0.5340% | 2,577 |
| Net loans and leases to total assets | 80.5424% | 720 |
| Net loans and leases to deposits | 93.6439% | 1,190 |
| Net loans and leases to core deposits | 96.5014% | 1,860 |
| Total domestic deposits to total assets | 86.0092% | 2,062 |
| Equity capital to assets | 10.6645% | 3,291 |
| Core capital (leverage) ratio | 10.6911% | 2,769 |
| Tier 1 risk-based capital ratio | 11.8899% | 4,429 |
| Total risk-based capital ratio | 13.1412% | 4,297 |
| Memoranda: | ||
| Average total assets | $37,720,200 | 4,929 |
| Average earning assets | $34,650,600 | 4,922 |
| Average equity | $4,246,400 | 4,963 |
| Average total loans | $32,200,200 | 4,596 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9920% | 240 |
| Cost of funding earning assets | 0.9203% | 2,134 |
| Net interest margin | 5.0717% | 250 |
| Noninterest income to average assets | 0.2502% | 4,243 |
| Noninterest expense to average assets | 3.5848% | 866 |
| Loan and lease loss provision to assets | 0.1394% | 1,385 |
| Net operating income to assets | 0.9900% | 3,017 |
| Return on assets (ROA) | 0.9900% | 3,092 |
| Pretax return on assets | 1.1937% | 2,999 |
| Return on Equity (ROE) | 8.6736% | 3,021 |
| Retained earnings to average equity (ytd only) | 8.6736% | 1,142 |
| Net charge-offs to loans | -0.1201% | 5,024 |
| Credit loss provision to net charge-offs | -134.4828% | 4,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8924% | 1,717 |
| Assets per employee ($millions) | 3.5545% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 1,488 |
| Loan loss allowance to noncurrent loans | 162.6298% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 1,863 |
| Noncurrent loans to loans | 0.8756% | 1,832 |
| Net loans and leases to total assets | 83.2123% | 426 |
| Net loans and leases to deposits | 96.6435% | 937 |
| Net loans and leases to core deposits | 99.6020% | 1,690 |
| Total domestic deposits to total assets | 86.1023% | 1,949 |
| Equity capital to assets | 11.2558% | 2,874 |
| Core capital (leverage) ratio | 11.4013% | 2,296 |
| Tier 1 risk-based capital ratio | 12.3443% | 4,235 |
| Total risk-based capital ratio | 13.5953% | 4,111 |
| Memoranda: | ||
| Average total assets | $37,304,500 | 5,008 |
| Average earning assets | $34,333,750 | 4,998 |
| Average equity | $4,258,000 | 5,035 |
| Average total loans | $32,197,750 | 4,663 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9616% | 253 |
| Cost of funding earning assets | 0.8847% | 2,221 |
| Net interest margin | 5.0768% | 247 |
| Noninterest income to average assets | 0.2724% | 4,116 |
| Noninterest expense to average assets | 3.6833% | 766 |
| Loan and lease loss provision to assets | 0.1308% | 1,434 |
| Net operating income to assets | 0.9154% | 3,224 |
| Return on assets (ROA) | 0.9154% | 3,285 |
| Pretax return on assets | 1.1170% | 3,186 |
| Return on Equity (ROE) | 7.9804% | 3,301 |
| Retained earnings to average equity (ytd only) | 7.9804% | 1,403 |
| Net charge-offs to loans | -0.0251% | 4,625 |
| Credit loss provision to net charge-offs | -600.0000% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6961% | 1,560 |
| Assets per employee ($millions) | 3.3621% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 1,887 |
| Loan loss allowance to noncurrent loans | 390.9091% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 3,357 |
| Noncurrent loans to loans | 0.3403% | 3,322 |
| Net loans and leases to total assets | 86.2342% | 194 |
| Net loans and leases to deposits | 101.6219% | 567 |
| Net loans and leases to core deposits | 103.2672% | 1,444 |
| Total domestic deposits to total assets | 84.8579% | 2,543 |
| Equity capital to assets | 11.6026% | 2,521 |
| Core capital (leverage) ratio | 11.6816% | 2,033 |
| Tier 1 risk-based capital ratio | 12.4316% | 4,168 |
| Total risk-based capital ratio | 13.6773% | 4,049 |
| Memoranda: | ||
| Average total assets | $36,706,000 | 5,057 |
| Average earning assets | $33,682,330 | 5,053 |
| Average equity | $4,210,330 | 5,078 |
| Average total loans | $31,928,330 | 4,702 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9587% | 234 |
| Cost of funding earning assets | 0.8049% | 2,511 |
| Net interest margin | 5.1538% | 215 |
| Noninterest income to average assets | 0.3172% | 3,735 |
| Noninterest expense to average assets | 3.7191% | 737 |
| Loan and lease loss provision to assets | 0.0984% | 1,776 |
| Net operating income to assets | 1.0173% | 2,782 |
| Return on assets (ROA) | 1.0173% | 2,824 |
| Pretax return on assets | 1.1923% | 2,834 |
| Return on Equity (ROE) | 8.9209% | 2,844 |
| Retained earnings to average equity (ytd only) | 8.9209% | 1,347 |
| Net charge-offs to loans | 0.0882% | 1,223 |
| Credit loss provision to net charge-offs | 128.5714% | 1,356 |
| Earnings coverage of net charge-offs (x) | 16.8571% | 1,680 |
| Efficiency ratio | 74.2358% | 1,726 |
| Assets per employee ($millions) | 3.2646% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 2,100 |
| Loan loss allowance to noncurrent loans | 303.7594% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 3,112 |
| Noncurrent loans to loans | 0.4274% | 3,053 |
| Net loans and leases to total assets | 85.5198% | 229 |
| Net loans and leases to deposits | 100.9798% | 556 |
| Net loans and leases to core deposits | 102.6677% | 1,404 |
| Total domestic deposits to total assets | 84.6899% | 2,785 |
| Equity capital to assets | 11.7429% | 2,192 |
| Core capital (leverage) ratio | 11.7051% | 1,977 |
| Tier 1 risk-based capital ratio | 12.6061% | 4,097 |
| Total risk-based capital ratio | 13.8138% | 4,005 |
| Memoranda: | ||
| Average total assets | $36,567,500 | 5,116 |
| Average earning assets | $33,296,000 | 5,109 |
| Average equity | $4,170,000 | 5,127 |
| Average total loans | $31,731,500 | 4,756 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8311% | 226 |
| Cost of funding earning assets | 0.4998% | 3,362 |
| Net interest margin | 5.3313% | 151 |
| Noninterest income to average assets | 0.3088% | 4,048 |
| Noninterest expense to average assets | 3.4812% | 1,014 |
| Loan and lease loss provision to assets | 0.0674% | 2,802 |
| Net operating income to assets | 1.3223% | 1,709 |
| Return on assets (ROA) | 1.3223% | 1,701 |
| Pretax return on assets | 1.6115% | 1,431 |
| Return on Equity (ROE) | 11.3922% | 1,937 |
| Retained earnings to average equity (ytd only) | 3.5313% | 3,646 |
| Net charge-offs to loans | 0.1303% | 1,450 |
| Credit loss provision to net charge-offs | 60.0000% | 3,101 |
| Earnings coverage of net charge-offs (x) | 14.9500% | 2,354 |
| Efficiency ratio | 67.4646% | 2,633 |
| Assets per employee ($millions) | 3.3840% | 4,672 |
| Cash dividends to net income (ytd only)* | 69.0021% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,338 |
| Loan loss allowance to noncurrent loans | 159.5238% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.6770% | 2,032 |
| Noncurrent loans to loans | 0.7790% | 2,058 |
| Net loans and leases to total assets | 85.8210% | 241 |
| Net loans and leases to deposits | 110.7314% | 232 |
| Net loans and leases to core deposits | 114.7156% | 752 |
| Total domestic deposits to total assets | 77.5038% | 4,562 |
| Equity capital to assets | 11.0762% | 2,615 |
| Core capital (leverage) ratio | 11.5390% | 2,073 |
| Tier 1 risk-based capital ratio | 11.8094% | 4,562 |
| Total risk-based capital ratio | 12.9608% | 4,497 |
| Memoranda: | ||
| Average total assets | $35,619,800 | 5,166 |
| Average earning assets | $32,412,600 | 5,162 |
| Average equity | $4,134,400 | 5,161 |
| Average total loans | $30,700,400 | 4,801 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7361% | 246 |
| Cost of funding earning assets | 0.4310% | 3,658 |
| Net interest margin | 5.3050% | 146 |
| Noninterest income to average assets | 0.3218% | 3,997 |
| Noninterest expense to average assets | 3.5473% | 920 |
| Loan and lease loss provision to assets | 0.0681% | 2,612 |
| Net operating income to assets | 1.2569% | 2,015 |
| Return on assets (ROA) | 1.2569% | 2,024 |
| Pretax return on assets | 1.5522% | 1,728 |
| Return on Equity (ROE) | 10.6994% | 2,305 |
| Retained earnings to average equity (ytd only) | 10.6994% | 724 |
| Net charge-offs to loans | 0.1541% | 1,066 |
| Credit loss provision to net charge-offs | 51.4286% | 2,818 |
| Earnings coverage of net charge-offs (x) | 12.2273% | 2,464 |
| Efficiency ratio | 68.6447% | 2,416 |
| Assets per employee ($millions) | 3.2579% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 2,339 |
| Loan loss allowance to noncurrent loans | 514.1026% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 3,853 |
| Noncurrent loans to loans | 0.2441% | 3,823 |
| Net loans and leases to total assets | 88.0347% | 142 |
| Net loans and leases to deposits | 107.5510% | 375 |
| Net loans and leases to core deposits | 109.4160% | 1,070 |
| Total domestic deposits to total assets | 81.8539% | 3,658 |
| Equity capital to assets | 12.0267% | 1,894 |
| Core capital (leverage) ratio | 12.1676% | 1,682 |
| Tier 1 risk-based capital ratio | 12.7507% | 4,052 |
| Total risk-based capital ratio | 13.9370% | 3,988 |
| Memoranda: | ||
| Average total assets | $35,218,750 | 5,236 |
| Average earning assets | $32,170,000 | 5,231 |
| Average equity | $4,137,250 | 5,226 |
| Average total loans | $30,288,500 | 4,865 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5876% | 283 |
| Cost of funding earning assets | 0.3910% | 3,800 |
| Net interest margin | 5.1966% | 170 |
| Noninterest income to average assets | 0.3542% | 3,796 |
| Noninterest expense to average assets | 3.5302% | 958 |
| Loan and lease loss provision to assets | 0.0685% | 2,510 |
| Net operating income to assets | 1.1881% | 2,249 |
| Return on assets (ROA) | 1.1881% | 2,247 |
| Pretax return on assets | 1.4623% | 1,949 |
| Return on Equity (ROE) | 10.1969% | 2,480 |
| Retained earnings to average equity (ytd only) | 10.1969% | 873 |
| Net charge-offs to loans | 0.1211% | 1,207 |
| Credit loss provision to net charge-offs | 66.6667% | 2,382 |
| Earnings coverage of net charge-offs (x) | 14.8889% | 2,073 |
| Efficiency ratio | 69.7517% | 2,360 |
| Assets per employee ($millions) | 3.1944% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 1,874 |
| Loan loss allowance to noncurrent loans | 777.3585% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 4,235 |
| Noncurrent loans to loans | 0.1757% | 4,115 |
| Net loans and leases to total assets | 84.6918% | 381 |
| Net loans and leases to deposits | 96.9728% | 1,041 |
| Net loans and leases to core deposits | 96.9728% | 1,972 |
| Total domestic deposits to total assets | 87.3356% | 1,709 |
| Equity capital to assets | 11.9130% | 1,914 |
| Core capital (leverage) ratio | 11.8187% | 1,826 |
| Tier 1 risk-based capital ratio | 12.9864% | 3,901 |
| Total risk-based capital ratio | 14.2370% | 3,821 |
| Memoranda: | ||
| Average total assets | $35,012,670 | 5,305 |
| Average earning assets | $31,713,000 | 5,306 |
| Average equity | $4,079,670 | 5,289 |
| Average total loans | $29,734,670 | 4,930 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5469% | 255 |
| Cost of funding earning assets | 0.3664% | 3,865 |
| Net interest margin | 5.1804% | 165 |
| Noninterest income to average assets | 0.3433% | 3,854 |
| Noninterest expense to average assets | 3.6166% | 855 |
| Loan and lease loss provision to assets | 0.0687% | 2,393 |
| Net operating income to assets | 1.1102% | 2,380 |
| Return on assets (ROA) | 1.1102% | 2,394 |
| Pretax return on assets | 1.3505% | 2,183 |
| Return on Equity (ROE) | 9.6362% | 2,615 |
| Retained earnings to average equity (ytd only) | 9.6362% | 1,274 |
| Net charge-offs to loans | 0.0678% | 1,432 |
| Credit loss provision to net charge-offs | 120.0000% | 1,374 |
| Earnings coverage of net charge-offs (x) | 24.8000% | 1,352 |
| Efficiency ratio | 71.8182% | 2,216 |
| Assets per employee ($millions) | 3.2605% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 1,787 |
| Loan loss allowance to noncurrent loans | 346.2810% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 3,493 |
| Noncurrent loans to loans | 0.4081% | 3,319 |
| Net loans and leases to total assets | 81.4978% | 728 |
| Net loans and leases to deposits | 92.7054% | 1,367 |
| Net loans and leases to core deposits | 92.7054% | 2,242 |
| Total domestic deposits to total assets | 87.9106% | 1,672 |
| Equity capital to assets | 11.3617% | 2,249 |
| Core capital (leverage) ratio | 11.5491% | 1,974 |
| Tier 1 risk-based capital ratio | 12.7141% | 4,106 |
| Total risk-based capital ratio | 13.9652% | 4,004 |
| Memoranda: | ||
| Average total assets | $34,950,000 | 5,366 |
| Average earning assets | $31,657,500 | 5,361 |
| Average equity | $4,026,500 | 5,350 |
| Average total loans | $29,516,500 | 4,981 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9460% | 145 |
| Cost of funding earning assets | 0.3587% | 3,626 |
| Net interest margin | 5.5873% | 94 |
| Noninterest income to average assets | 0.2992% | 4,311 |
| Noninterest expense to average assets | 3.8136% | 685 |
| Loan and lease loss provision to assets | 0.0697% | 2,805 |
| Net operating income to assets | 1.3124% | 1,198 |
| Return on assets (ROA) | 1.3099% | 1,220 |
| Pretax return on assets | 1.5249% | 1,544 |
| Return on Equity (ROE) | 11.3226% | 1,387 |
| Retained earnings to average equity (ytd only) | 3.7909% | 2,953 |
| Net charge-offs to loans | 0.3470% | 737 |
| Credit loss provision to net charge-offs | 23.5294% | 3,587 |
| Earnings coverage of net charge-offs (x) | 5.3922% | 3,338 |
| Efficiency ratio | 70.4777% | 2,474 |
| Assets per employee ($millions) | 3.0940% | 5,132 |
| Cash dividends to net income (ytd only)* | 66.5188% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 1,674 |
| Loan loss allowance to noncurrent loans | 696.6667% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 4,245 |
| Noncurrent loans to loans | 0.2042% | 4,097 |
| Net loans and leases to total assets | 85.1090% | 338 |
| Net loans and leases to deposits | 98.0834% | 898 |
| Net loans and leases to core deposits | 98.0834% | 1,858 |
| Total domestic deposits to total assets | 86.7721% | 2,101 |
| Equity capital to assets | 11.6883% | 2,041 |
| Core capital (leverage) ratio | 11.6190% | 1,855 |
| Tier 1 risk-based capital ratio | 12.5878% | 4,155 |
| Total risk-based capital ratio | 13.8377% | 4,045 |
| Memoranda: | ||
| Average total assets | $34,429,400 | 5,423 |
| Average earning assets | $31,500,200 | 5,415 |
| Average equity | $3,983,200 | 5,421 |
| Average total loans | $29,398,200 | 5,042 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0257% | 130 |
| Cost of funding earning assets | 0.3492% | 3,676 |
| Net interest margin | 5.6764% | 85 |
| Noninterest income to average assets | 0.3012% | 4,374 |
| Noninterest expense to average assets | 3.5487% | 924 |
| Loan and lease loss provision to assets | 0.0695% | 2,688 |
| Net operating income to assets | 1.5671% | 773 |
| Return on assets (ROA) | 1.5639% | 796 |
| Pretax return on assets | 1.8883% | 708 |
| Return on Equity (ROE) | 13.5523% | 919 |
| Retained earnings to average equity (ytd only) | 13.5523% | 177 |
| Net charge-offs to loans | 0.3492% | 606 |
| Credit loss provision to net charge-offs | 23.3766% | 3,135 |
| Earnings coverage of net charge-offs (x) | 6.5977% | 2,971 |
| Efficiency ratio | 64.4008% | 3,464 |
| Assets per employee ($millions) | 3.1044% | 5,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 1,721 |
| Loan loss allowance to noncurrent loans | 373.5043% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 3,673 |
| Noncurrent loans to loans | 0.3867% | 3,569 |
| Net loans and leases to total assets | 87.3228% | 181 |
| Net loans and leases to deposits | 104.0113% | 496 |
| Net loans and leases to core deposits | 104.0113% | 1,389 |
| Total domestic deposits to total assets | 83.9551% | 3,142 |
| Equity capital to assets | 12.3931% | 1,722 |
| Core capital (leverage) ratio | 12.4000% | 1,458 |
| Tier 1 risk-based capital ratio | 13.0428% | 3,980 |
| Total risk-based capital ratio | 14.2941% | 3,891 |
| Memoranda: | ||
| Average total assets | $34,528,250 | 5,484 |
| Average earning assets | $31,686,000 | 5,469 |
| Average equity | $3,984,500 | 5,479 |
| Average total loans | $29,401,750 | 5,094 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2844% | 344 |
| Cost of funding earning assets | 0.3485% | 3,598 |
| Net interest margin | 4.9360% | 248 |
| Noninterest income to average assets | 0.3059% | 4,348 |
| Noninterest expense to average assets | 3.4627% | 1,060 |
| Loan and lease loss provision to assets | 0.0693% | 2,587 |
| Net operating income to assets | 0.8928% | 2,947 |
| Return on assets (ROA) | 0.8888% | 3,028 |
| Pretax return on assets | 1.2639% | 2,522 |
| Return on Equity (ROE) | 7.8934% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.8934% | 1,211 |
| Net charge-offs to loans | 0.7144% | 269 |
| Credit loss provision to net charge-offs | 11.5385% | 2,841 |
| Earnings coverage of net charge-offs (x) | 2.2308% | 3,185 |
| Efficiency ratio | 72.1154% | 2,316 |
| Assets per employee ($millions) | 3.1615% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,980 |
| Loan loss allowance to noncurrent loans | 264.0523% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 3,356 |
| Noncurrent loans to loans | 0.5272% | 3,179 |
| Net loans and leases to total assets | 82.2924% | 627 |
| Net loans and leases to deposits | 93.8541% | 1,279 |
| Net loans and leases to core deposits | 93.8541% | 2,164 |
| Total domestic deposits to total assets | 87.6812% | 1,626 |
| Equity capital to assets | 11.4476% | 2,368 |
| Core capital (leverage) ratio | 11.4364% | 2,013 |
| Tier 1 risk-based capital ratio | 12.3369% | 4,396 |
| Total risk-based capital ratio | 13.5858% | 4,287 |
| Memoranda: | ||
| Average total assets | $34,655,000 | 5,523 |
| Average earning assets | $31,564,330 | 5,525 |
| Average equity | $3,902,000 | 5,536 |
| Average total loans | $29,117,000 | 5,141 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1864% | 387 |
| Cost of funding earning assets | 0.3407% | 3,625 |
| Net interest margin | 4.8457% | 288 |
| Noninterest income to average assets | 0.3353% | 4,160 |
| Noninterest expense to average assets | 3.5728% | 934 |
| Loan and lease loss provision to assets | 0.0694% | 2,425 |
| Net operating income to assets | 0.8209% | 3,118 |
| Return on assets (ROA) | 0.8209% | 3,175 |
| Pretax return on assets | 1.1331% | 2,845 |
| Return on Equity (ROE) | 7.3528% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.3528% | 1,717 |
| Net charge-offs to loans | 1.0012% | 167 |
| Credit loss provision to net charge-offs | 8.2192% | 2,236 |
| Earnings coverage of net charge-offs (x) | 1.4247% | 2,735 |
| Efficiency ratio | 74.8184% | 2,092 |
| Assets per employee ($millions) | 3.1975% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,759 |
| Loan loss allowance to noncurrent loans | 99.7674% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.2226% | 1,427 |
| Noncurrent loans to loans | 1.4854% | 1,353 |
| Net loans and leases to total assets | 81.0872% | 680 |
| Net loans and leases to deposits | 92.1278% | 1,319 |
| Net loans and leases to core deposits | 92.1278% | 2,151 |
| Total domestic deposits to total assets | 88.0160% | 1,708 |
| Equity capital to assets | 11.0827% | 2,552 |
| Core capital (leverage) ratio | 11.1375% | 2,247 |
| Tier 1 risk-based capital ratio | 11.9806% | 4,730 |
| Total risk-based capital ratio | 13.2315% | 4,628 |
| Memoranda: | ||
| Average total assets | $34,594,500 | 5,585 |
| Average earning assets | $31,698,500 | 5,580 |
| Average equity | $3,862,500 | 5,600 |
| Average total loans | $29,164,500 | 5,189 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1286% | 475 |
| Cost of funding earning assets | 0.3368% | 3,670 |
| Net interest margin | 4.7918% | 355 |
| Noninterest income to average assets | 0.2741% | 4,778 |
| Noninterest expense to average assets | 3.3516% | 1,462 |
| Loan and lease loss provision to assets | 0.2027% | 1,129 |
| Net operating income to assets | 0.8194% | 3,212 |
| Return on assets (ROA) | 0.8336% | 3,247 |
| Pretax return on assets | 1.1676% | 2,815 |
| Return on Equity (ROE) | 7.6196% | 3,161 |
| Retained earnings to average equity (ytd only) | 2.4007% | 4,160 |
| Net charge-offs to loans | 0.5443% | 442 |
| Credit loss provision to net charge-offs | 45.2229% | 3,437 |
| Earnings coverage of net charge-offs (x) | 3.0127% | 3,735 |
| Efficiency ratio | 71.2811% | 2,700 |
| Assets per employee ($millions) | 3.0925% | 5,275 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 1,174 |
| Loan loss allowance to noncurrent loans | 130.6069% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.1141% | 1,671 |
| Noncurrent loans to loans | 1.2900% | 1,584 |
| Net loans and leases to total assets | 84.9134% | 309 |
| Net loans and leases to deposits | 97.2428% | 891 |
| Net loans and leases to core deposits | 97.2428% | 1,819 |
| Total domestic deposits to total assets | 87.3210% | 1,977 |
| Equity capital to assets | 11.2503% | 2,370 |
| Core capital (leverage) ratio | 11.0674% | 2,288 |
| Tier 1 risk-based capital ratio | 11.9273% | 4,779 |
| Total risk-based capital ratio | 13.1802% | 4,658 |
| Memoranda: | ||
| Average total assets | $35,028,000 | 5,635 |
| Average earning assets | $32,367,800 | 5,621 |
| Average equity | $3,832,200 | 5,661 |
| Average total loans | $28,845,000 | 5,231 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0531% | 542 |
| Cost of funding earning assets | 0.3186% | 3,886 |
| Net interest margin | 4.7345% | 410 |
| Noninterest income to average assets | 0.2494% | 4,973 |
| Noninterest expense to average assets | 3.3748% | 1,397 |
| Loan and lease loss provision to assets | 0.2456% | 777 |
| Net operating income to assets | 0.6922% | 3,890 |
| Return on assets (ROA) | 0.7105% | 3,925 |
| Pretax return on assets | 1.0355% | 3,494 |
| Return on Equity (ROE) | 6.5387% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.5387% | 1,885 |
| Net charge-offs to loans | 0.6873% | 274 |
| Credit loss provision to net charge-offs | 43.9189% | 3,113 |
| Earnings coverage of net charge-offs (x) | 2.2432% | 3,597 |
| Efficiency ratio | 72.8980% | 2,450 |
| Assets per employee ($millions) | 3.2192% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6460% | 1,333 |
| Loan loss allowance to noncurrent loans | 133.4225% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.0562% | 1,957 |
| Noncurrent loans to loans | 1.2337% | 1,818 |
| Net loans and leases to total assets | 84.2026% | 395 |
| Net loans and leases to deposits | 102.9131% | 510 |
| Net loans and leases to core deposits | 102.9131% | 1,422 |
| Total domestic deposits to total assets | 81.8192% | 3,995 |
| Equity capital to assets | 11.0785% | 2,935 |
| Core capital (leverage) ratio | 11.3345% | 2,165 |
| Tier 1 risk-based capital ratio | 11.7557% | 4,947 |
| Total risk-based capital ratio | 13.0083% | 4,843 |
| Memoranda: | ||
| Average total assets | $35,280,750 | 5,691 |
| Average earning assets | $32,639,250 | 5,676 |
| Average equity | $3,833,500 | 5,721 |
| Average total loans | $28,711,250 | 5,288 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6922% | 1,064 |
| Cost of funding earning assets | 0.3268% | 3,827 |
| Net interest margin | 4.3654% | 824 |
| Noninterest income to average assets | 0.3292% | 4,426 |
| Noninterest expense to average assets | 3.2863% | 1,620 |
| Loan and lease loss provision to assets | 0.0681% | 2,776 |
| Net operating income to assets | 0.6987% | 3,794 |
| Return on assets (ROA) | 0.7265% | 3,823 |
| Pretax return on assets | 1.0330% | 3,467 |
| Return on Equity (ROE) | 6.7303% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.7303% | 1,749 |
| Net charge-offs to loans | 0.6317% | 330 |
| Credit loss provision to net charge-offs | 13.4831% | 2,974 |
| Earnings coverage of net charge-offs (x) | 2.1011% | 3,326 |
| Efficiency ratio | 75.5875% | 2,134 |
| Assets per employee ($millions) | 3.1245% | 5,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7970% | 1,079 |
| Loan loss allowance to noncurrent loans | 83.0592% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.7690% | 986 |
| Noncurrent loans to loans | 2.1635% | 882 |
| Net loans and leases to total assets | 80.2968% | 855 |
| Net loans and leases to deposits | 91.3841% | 1,587 |
| Net loans and leases to core deposits | 91.3841% | 2,397 |
| Total domestic deposits to total assets | 87.8673% | 1,496 |
| Equity capital to assets | 11.2424% | 2,804 |
| Core capital (leverage) ratio | 11.1647% | 2,269 |
| Tier 1 risk-based capital ratio | 12.2499% | 4,674 |
| Total risk-based capital ratio | 13.5054% | 4,590 |
| Memoranda: | ||
| Average total assets | $35,237,330 | 5,761 |
| Average earning assets | $32,437,000 | 5,745 |
| Average equity | $3,803,670 | 5,793 |
| Average total loans | $28,176,330 | 5,363 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7949% | 856 |
| Cost of funding earning assets | 0.3164% | 3,991 |
| Net interest margin | 4.4785% | 633 |
| Noninterest income to average assets | 0.3700% | 4,077 |
| Noninterest expense to average assets | 3.2519% | 1,719 |
| Loan and lease loss provision to assets | 0.0673% | 2,616 |
| Net operating income to assets | 0.8410% | 3,026 |
| Return on assets (ROA) | 0.8410% | 3,159 |
| Pretax return on assets | 1.1774% | 2,791 |
| Return on Equity (ROE) | 7.9502% | 2,947 |
| Retained earnings to average equity (ytd only) | 7.9502% | 1,478 |
| Net charge-offs to loans | 1.0633% | 171 |
| Credit loss provision to net charge-offs | 8.0000% | 2,373 |
| Earnings coverage of net charge-offs (x) | 1.4800% | 2,815 |
| Efficiency ratio | 72.3192% | 2,754 |
| Assets per employee ($millions) | 3.2871% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9044% | 966 |
| Loan loss allowance to noncurrent loans | 75.8876% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.8696% | 973 |
| Noncurrent loans to loans | 2.5095% | 749 |
| Net loans and leases to total assets | 73.0820% | 1,873 |
| Net loans and leases to deposits | 82.5214% | 2,483 |
| Net loans and leases to core deposits | 82.5214% | 3,084 |
| Total domestic deposits to total assets | 88.5613% | 1,322 |
| Equity capital to assets | 10.5399% | 3,439 |
| Core capital (leverage) ratio | 10.7734% | 2,647 |
| Tier 1 risk-based capital ratio | 11.9194% | 4,963 |
| Total risk-based capital ratio | 13.1736% | 4,870 |
| Memoranda: | ||
| Average total assets | $35,671,000 | 5,805 |
| Average earning assets | $32,868,500 | 5,793 |
| Average equity | $3,773,500 | 5,845 |
| Average total loans | $28,213,000 | 5,406 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8042% | 922 |
| Cost of funding earning assets | 0.3924% | 3,236 |
| Net interest margin | 4.4118% | 777 |
| Noninterest income to average assets | 0.3210% | 4,601 |
| Noninterest expense to average assets | 3.1987% | 1,976 |
| Loan and lease loss provision to assets | 0.0658% | 2,968 |
| Net operating income to assets | 0.8456% | 3,135 |
| Return on assets (ROA) | 0.8395% | 3,231 |
| Pretax return on assets | 1.1193% | 2,964 |
| Return on Equity (ROE) | 8.1068% | 2,898 |
| Retained earnings to average equity (ytd only) | 1.4836% | 4,876 |
| Net charge-offs to loans | -0.0806% | 5,717 |
| Credit loss provision to net charge-offs | -104.3478% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8295% | 2,766 |
| Assets per employee ($millions) | 3.1985% | 5,296 |
| Cash dividends to net income (ytd only)* | 81.6993% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9737% | 837 |
| Loan loss allowance to noncurrent loans | 84.4702% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.9583% | 912 |
| Noncurrent loans to loans | 2.3365% | 818 |
| Net loans and leases to total assets | 82.1567% | 582 |
| Net loans and leases to deposits | 98.0296% | 812 |
| Net loans and leases to core deposits | 98.0296% | 1,672 |
| Total domestic deposits to total assets | 83.8080% | 3,560 |
| Equity capital to assets | 10.6185% | 3,220 |
| Core capital (leverage) ratio | 10.8092% | 2,593 |
| Tier 1 risk-based capital ratio | 11.2730% | 5,389 |
| Total risk-based capital ratio | 12.5283% | 5,281 |
| Memoranda: | ||
| Average total assets | $36,452,200 | 5,840 |
| Average earning assets | $33,637,400 | 5,824 |
| Average equity | $3,774,600 | 5,889 |
| Average total loans | $28,553,600 | 5,423 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8067% | 920 |
| Cost of funding earning assets | 0.4134% | 3,081 |
| Net interest margin | 4.3933% | 809 |
| Noninterest income to average assets | 0.3264% | 4,603 |
| Noninterest expense to average assets | 3.1837% | 2,012 |
| Loan and lease loss provision to assets | 0.0653% | 2,879 |
| Net operating income to assets | 0.7653% | 3,612 |
| Return on assets (ROA) | 0.7579% | 3,748 |
| Pretax return on assets | 1.1132% | 3,163 |
| Return on Equity (ROE) | 7.3637% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.3637% | 1,517 |
| Net charge-offs to loans | -0.2825% | 6,075 |
| Credit loss provision to net charge-offs | -30.0000% | 4,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8027% | 2,746 |
| Assets per employee ($millions) | 3.1439% | 5,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1368% | 724 |
| Loan loss allowance to noncurrent loans | 49.9593% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 3.5538% | 359 |
| Noncurrent loans to loans | 4.2770% | 270 |
| Net loans and leases to total assets | 81.3145% | 663 |
| Net loans and leases to deposits | 92.8515% | 1,322 |
| Net loans and leases to core deposits | 92.8515% | 2,183 |
| Total domestic deposits to total assets | 87.5748% | 1,761 |
| Equity capital to assets | 11.2454% | 2,753 |
| Core capital (leverage) ratio | 10.7535% | 2,767 |
| Tier 1 risk-based capital ratio | 12.0447% | 5,056 |
| Total risk-based capital ratio | 13.3022% | 4,964 |
| Memoranda: | ||
| Average total assets | $36,769,250 | 5,911 |
| Average earning assets | $33,868,750 | 5,892 |
| Average equity | $3,784,250 | 5,971 |
| Average total loans | $28,320,000 | 5,495 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 1,146 |
| Cost of funding earning assets | 0.4163% | 3,078 |
| Net interest margin | 4.2437% | 1,020 |
| Noninterest income to average assets | 0.3574% | 4,397 |
| Noninterest expense to average assets | 3.0935% | 2,260 |
| Loan and lease loss provision to assets | 0.0640% | 2,838 |
| Net operating income to assets | 0.7520% | 3,636 |
| Return on assets (ROA) | 0.7520% | 3,733 |
| Pretax return on assets | 1.1147% | 3,111 |
| Return on Equity (ROE) | 7.5213% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.5213% | 1,464 |
| Net charge-offs to loans | -0.3336% | 6,141 |
| Credit loss provision to net charge-offs | -25.5319% | 4,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4095% | 2,949 |
| Assets per employee ($millions) | 3.7493% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1237% | 821 |
| Loan loss allowance to noncurrent loans | 47.8261% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 3.3126% | 454 |
| Noncurrent loans to loans | 4.4405% | 311 |
| Net loans and leases to total assets | 73.0163% | 1,818 |
| Net loans and leases to deposits | 83.4889% | 2,383 |
| Net loans and leases to core deposits | 83.4889% | 3,032 |
| Total domestic deposits to total assets | 87.4563% | 1,925 |
| Equity capital to assets | 10.1912% | 3,816 |
| Core capital (leverage) ratio | 9.9744% | 3,641 |
| Tier 1 risk-based capital ratio | 55.9771% | 112 |
| Total risk-based capital ratio | 57.3249% | 112 |
| Memoranda: | ||
| Average total assets | $37,498,000 | 5,958 |
| Average earning assets | $34,592,330 | 5,943 |
| Average equity | $3,749,330 | 6,039 |
| Average total loans | $28,181,670 | 5,547 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7186% | 999 |
| Cost of funding earning assets | 0.4153% | 3,134 |
| Net interest margin | 4.3032% | 872 |
| Noninterest income to average assets | 0.3947% | 4,052 |
| Noninterest expense to average assets | 3.2426% | 1,864 |
| Loan and lease loss provision to assets | 0.0640% | 2,649 |
| Net operating income to assets | 0.7360% | 3,616 |
| Return on assets (ROA) | 0.7360% | 3,745 |
| Pretax return on assets | 1.0667% | 3,233 |
| Return on Equity (ROE) | 7.4323% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.4323% | 1,795 |
| Net charge-offs to loans | -0.0283% | 5,219 |
| Credit loss provision to net charge-offs | -300.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1463% | 2,795 |
| Assets per employee ($millions) | 3.8657% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0400% | 1,008 |
| Loan loss allowance to noncurrent loans | 56.9182% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 2.4756% | 869 |
| Noncurrent loans to loans | 3.5840% | 522 |
| Net loans and leases to total assets | 67.4522% | 2,537 |
| Net loans and leases to deposits | 76.2940% | 3,022 |
| Net loans and leases to core deposits | 76.2940% | 3,564 |
| Total domestic deposits to total assets | 88.4109% | 1,591 |
| Equity capital to assets | 9.6955% | 4,517 |
| Core capital (leverage) ratio | 9.7979% | 3,894 |
| Tier 1 risk-based capital ratio | 45.5462% | 183 |
| Total risk-based capital ratio | 46.8587% | 182 |
| Memoranda: | ||
| Average total assets | $37,500,500 | 6,018 |
| Average earning assets | $34,671,500 | 5,998 |
| Average equity | $3,713,500 | 6,104 |
| Average total loans | $28,287,500 | 5,579 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6628% | 1,388 |
| Cost of funding earning assets | 0.4625% | 3,048 |
| Net interest margin | 4.2004% | 1,297 |
| Noninterest income to average assets | 0.2876% | 5,064 |
| Noninterest expense to average assets | 3.1367% | 2,397 |
| Loan and lease loss provision to assets | 0.0806% | 2,866 |
| Net operating income to assets | 0.6292% | 4,240 |
| Return on assets (ROA) | 0.6612% | 4,181 |
| Pretax return on assets | 0.9488% | 3,697 |
| Return on Equity (ROE) | 6.6815% | 3,800 |
| Retained earnings to average equity (ytd only) | 1.9284% | 4,835 |
| Net charge-offs to loans | 0.6738% | 562 |
| Credit loss provision to net charge-offs | 16.0428% | 4,023 |
| Earnings coverage of net charge-offs (x) | 1.9572% | 4,293 |
| Efficiency ratio | 76.1252% | 2,491 |
| Assets per employee ($millions) | 3.6344% | 4,654 |
| Cash dividends to net income (ytd only)* | 71.1382% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 1,566 |
| Loan loss allowance to noncurrent loans | 53.6072% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 2.8836% | 730 |
| Noncurrent loans to loans | 3.3314% | 639 |
| Net loans and leases to total assets | 80.9542% | 629 |
| Net loans and leases to deposits | 92.5832% | 1,231 |
| Net loans and leases to core deposits | 92.5832% | 2,031 |
| Total domestic deposits to total assets | 87.4395% | 2,066 |
| Equity capital to assets | 10.1227% | 3,956 |
| Core capital (leverage) ratio | 10.0256% | 3,539 |
| Tier 1 risk-based capital ratio | 11.8609% | 5,455 |
| Total risk-based capital ratio | 13.1182% | 5,356 |
| Memoranda: | ||
| Average total assets | $37,204,200 | 6,097 |
| Average earning assets | $33,949,200 | 6,093 |
| Average equity | $3,681,800 | 6,149 |
| Average total loans | $27,752,000 | 5,662 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6480% | 1,435 |
| Cost of funding earning assets | 0.4675% | 3,076 |
| Net interest margin | 4.1804% | 1,349 |
| Noninterest income to average assets | 0.3029% | 5,022 |
| Noninterest expense to average assets | 3.1783% | 2,246 |
| Loan and lease loss provision to assets | 0.0820% | 2,711 |
| Net operating income to assets | 0.5544% | 4,658 |
| Return on assets (ROA) | 0.5950% | 4,551 |
| Pretax return on assets | 0.8944% | 4,012 |
| Return on Equity (ROE) | 6.0464% | 4,207 |
| Retained earnings to average equity (ytd only) | 6.0464% | 2,381 |
| Net charge-offs to loans | 0.6912% | 508 |
| Credit loss provision to net charge-offs | 16.3121% | 3,618 |
| Earnings coverage of net charge-offs (x) | 1.8227% | 4,070 |
| Efficiency ratio | 77.6327% | 2,245 |
| Assets per employee ($millions) | 3.3145% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1321% | 1,044 |
| Loan loss allowance to noncurrent loans | 62.2969% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 2.6687% | 950 |
| Noncurrent loans to loans | 3.4224% | 710 |
| Net loans and leases to total assets | 72.3917% | 1,784 |
| Net loans and leases to deposits | 82.6932% | 2,338 |
| Net loans and leases to core deposits | 82.6932% | 3,035 |
| Total domestic deposits to total assets | 87.5425% | 2,012 |
| Equity capital to assets | 10.3538% | 3,732 |
| Core capital (leverage) ratio | 10.1473% | 3,473 |
| Tier 1 risk-based capital ratio | 13.6538% | 4,443 |
| Total risk-based capital ratio | 14.9125% | 4,381 |
| Memoranda: | ||
| Average total assets | $37,419,250 | 6,169 |
| Average earning assets | $33,935,000 | 6,168 |
| Average equity | $3,682,500 | 6,218 |
| Average total loans | $27,200,750 | 5,744 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 1,841 |
| Cost of funding earning assets | 0.4677% | 3,131 |
| Net interest margin | 4.0284% | 1,731 |
| Noninterest income to average assets | 0.2226% | 5,614 |
| Noninterest expense to average assets | 3.1479% | 2,338 |
| Loan and lease loss provision to assets | 0.0901% | 2,524 |
| Net operating income to assets | 0.4310% | 5,092 |
| Return on assets (ROA) | 0.4346% | 5,163 |
| Pretax return on assets | 0.6412% | 4,812 |
| Return on Equity (ROE) | 4.4911% | 4,923 |
| Retained earnings to average equity (ytd only) | 4.4911% | 3,316 |
| Net charge-offs to loans | 0.6085% | 660 |
| Credit loss provision to net charge-offs | 20.4819% | 3,195 |
| Earnings coverage of net charge-offs (x) | 1.6506% | 3,748 |
| Efficiency ratio | 81.2585% | 1,846 |
| Assets per employee ($millions) | 3.7549% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3949% | 814 |
| Loan loss allowance to noncurrent loans | 64.9741% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 2.6925% | 992 |
| Noncurrent loans to loans | 3.6859% | 694 |
| Net loans and leases to total assets | 68.0551% | 2,407 |
| Net loans and leases to deposits | 77.1814% | 2,903 |
| Net loans and leases to core deposits | 77.1814% | 3,522 |
| Total domestic deposits to total assets | 88.1755% | 1,811 |
| Equity capital to assets | 9.8298% | 4,310 |
| Core capital (leverage) ratio | 9.6978% | 4,048 |
| Tier 1 risk-based capital ratio | 13.6694% | 4,477 |
| Total risk-based capital ratio | 14.9322% | 4,414 |
| Memoranda: | ||
| Average total assets | $37,739,000 | 6,221 |
| Average earning assets | $34,207,000 | 6,222 |
| Average equity | $3,651,670 | 6,271 |
| Average total loans | $27,278,000 | 5,777 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6164% | 1,462 |
| Cost of funding earning assets | 0.4663% | 3,256 |
| Net interest margin | 4.1501% | 1,344 |
| Noninterest income to average assets | 0.2432% | 5,415 |
| Noninterest expense to average assets | 3.1718% | 2,319 |
| Loan and lease loss provision to assets | 0.1163% | 2,022 |
| Net operating income to assets | 0.5075% | 4,653 |
| Return on assets (ROA) | 0.5075% | 4,733 |
| Pretax return on assets | 0.7189% | 4,421 |
| Return on Equity (ROE) | 5.2863% | 4,401 |
| Retained earnings to average equity (ytd only) | 5.2863% | 2,930 |
| Net charge-offs to loans | 0.5319% | 693 |
| Credit loss provision to net charge-offs | 29.7297% | 2,400 |
| Earnings coverage of net charge-offs (x) | 2.1351% | 2,946 |
| Efficiency ratio | 79.1557% | 2,315 |
| Assets per employee ($millions) | 3.8934% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5741% | 740 |
| Loan loss allowance to noncurrent loans | 87.8788% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.9572% | 1,751 |
| Noncurrent loans to loans | 2.9291% | 1,105 |
| Net loans and leases to total assets | 64.8405% | 2,752 |
| Net loans and leases to deposits | 73.1909% | 3,169 |
| Net loans and leases to core deposits | 73.1909% | 3,741 |
| Total domestic deposits to total assets | 88.5909% | 1,897 |
| Equity capital to assets | 9.3903% | 4,642 |
| Core capital (leverage) ratio | 9.3554% | 4,495 |
| Tier 1 risk-based capital ratio | 13.4560% | 4,723 |
| Total risk-based capital ratio | 14.7221% | 4,647 |
| Memoranda: | ||
| Average total assets | $37,834,000 | 6,289 |
| Average earning assets | $34,312,500 | 6,278 |
| Average equity | $3,632,000 | 6,321 |
| Average total loans | $27,826,500 | 5,810 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7463% | 1,457 |
| Cost of funding earning assets | 0.5274% | 3,321 |
| Net interest margin | 4.2189% | 1,298 |
| Noninterest income to average assets | 0.4366% | 4,184 |
| Noninterest expense to average assets | 2.8355% | 3,595 |
| Loan and lease loss provision to assets | 0.2625% | 1,352 |
| Net operating income to assets | 0.7667% | 3,457 |
| Return on assets (ROA) | 0.7667% | 3,554 |
| Pretax return on assets | 1.1644% | 2,714 |
| Return on Equity (ROE) | 8.1835% | 2,938 |
| Retained earnings to average equity (ytd only) | 3.7450% | 3,554 |
| Net charge-offs to loans | 0.4571% | 1,450 |
| Credit loss provision to net charge-offs | 78.9063% | 3,072 |
| Earnings coverage of net charge-offs (x) | 4.2891% | 3,615 |
| Efficiency ratio | 66.5244% | 4,466 |
| Assets per employee ($millions) | 3.6734% | 4,542 |
| Cash dividends to net income (ytd only)* | 54.2373% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3301% | 1,009 |
| Loan loss allowance to noncurrent loans | 110.5263% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.8511% | 1,975 |
| Noncurrent loans to loans | 2.1082% | 1,875 |
| Net loans and leases to total assets | 79.0766% | 700 |
| Net loans and leases to deposits | 90.3150% | 1,208 |
| Net loans and leases to core deposits | 90.3150% | 1,982 |
| Total domestic deposits to total assets | 87.5565% | 2,449 |
| Equity capital to assets | 9.8220% | 3,997 |
| Core capital (leverage) ratio | 9.6093% | 4,105 |
| Tier 1 risk-based capital ratio | 11.5957% | 5,857 |
| Total risk-based capital ratio | 12.8587% | 5,788 |
| Memoranda: | ||
| Average total assets | $38,475,800 | 6,330 |
| Average earning assets | $34,890,200 | 6,324 |
| Average equity | $3,604,800 | 6,415 |
| Average total loans | $28,003,800 | 5,842 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6764% | 1,659 |
| Cost of funding earning assets | 0.5326% | 3,441 |
| Net interest margin | 4.1438% | 1,501 |
| Noninterest income to average assets | 0.4249% | 4,330 |
| Noninterest expense to average assets | 2.7823% | 3,723 |
| Loan and lease loss provision to assets | 0.1097% | 2,936 |
| Net operating income to assets | 0.8395% | 3,143 |
| Return on assets (ROA) | 0.8395% | 3,274 |
| Pretax return on assets | 1.2918% | 2,362 |
| Return on Equity (ROE) | 9.0638% | 2,600 |
| Retained earnings to average equity (ytd only) | 9.0638% | 1,038 |
| Net charge-offs to loans | 0.5223% | 1,235 |
| Credit loss provision to net charge-offs | 29.6296% | 3,902 |
| Earnings coverage of net charge-offs (x) | 3.7869% | 3,611 |
| Efficiency ratio | 66.5029% | 4,397 |
| Assets per employee ($millions) | 3.7133% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3142% | 1,165 |
| Loan loss allowance to noncurrent loans | 78.2503% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 2.2244% | 1,787 |
| Noncurrent loans to loans | 2.9575% | 1,374 |
| Net loans and leases to total assets | 73.2071% | 1,416 |
| Net loans and leases to deposits | 83.5146% | 1,942 |
| Net loans and leases to core deposits | 83.5146% | 2,706 |
| Total domestic deposits to total assets | 87.6579% | 2,320 |
| Equity capital to assets | 10.0154% | 3,879 |
| Core capital (leverage) ratio | 9.8944% | 3,826 |
| Tier 1 risk-based capital ratio | 13.0445% | 5,092 |
| Total risk-based capital ratio | 14.3073% | 5,038 |
| Memoranda: | ||
| Average total assets | $38,911,250 | 6,384 |
| Average earning assets | $35,297,250 | 6,377 |
| Average equity | $3,604,000 | 6,494 |
| Average total loans | $27,569,500 | 5,922 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 1,830 |
| Cost of funding earning assets | 0.5299% | 3,604 |
| Net interest margin | 4.0776% | 1,607 |
| Noninterest income to average assets | 0.3240% | 5,115 |
| Noninterest expense to average assets | 2.5972% | 4,397 |
| Loan and lease loss provision to assets | 0.0608% | 3,794 |
| Net operating income to assets | 0.9822% | 2,401 |
| Return on assets (ROA) | 0.9822% | 2,552 |
| Pretax return on assets | 1.3670% | 2,053 |
| Return on Equity (ROE) | 10.8815% | 1,853 |
| Retained earnings to average equity (ytd only) | 10.8815% | 665 |
| Net charge-offs to loans | 0.3202% | 1,901 |
| Credit loss provision to net charge-offs | 27.2727% | 3,631 |
| Earnings coverage of net charge-offs (x) | 6.4091% | 2,723 |
| Efficiency ratio | 64.5283% | 4,785 |
| Assets per employee ($millions) | 3.8129% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6371% | 844 |
| Loan loss allowance to noncurrent loans | 73.0361% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 2.4784% | 1,714 |
| Noncurrent loans to loans | 3.6107% | 1,147 |
| Net loans and leases to total assets | 66.6186% | 2,481 |
| Net loans and leases to deposits | 75.4747% | 2,951 |
| Net loans and leases to core deposits | 75.4747% | 3,613 |
| Total domestic deposits to total assets | 88.2661% | 2,064 |
| Equity capital to assets | 9.6174% | 4,429 |
| Core capital (leverage) ratio | 9.2463% | 4,630 |
| Tier 1 risk-based capital ratio | 14.0503% | 4,383 |
| Total risk-based capital ratio | 15.3186% | 4,336 |
| Memoranda: | ||
| Average total assets | $39,504,000 | 6,418 |
| Average earning assets | $35,854,000 | 6,408 |
| Average equity | $3,565,670 | 6,548 |
| Average total loans | $27,483,330 | 5,960 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6534% | 1,666 |
| Cost of funding earning assets | 0.5170% | 3,905 |
| Net interest margin | 4.1364% | 1,358 |
| Noninterest income to average assets | 0.3284% | 5,076 |
| Noninterest expense to average assets | 2.7966% | 3,710 |
| Loan and lease loss provision to assets | 0.0597% | 3,643 |
| Net operating income to assets | 0.8360% | 2,970 |
| Return on assets (ROA) | 0.8360% | 3,116 |
| Pretax return on assets | 1.2142% | 2,521 |
| Return on Equity (ROE) | 9.5590% | 2,240 |
| Retained earnings to average equity (ytd only) | 9.5590% | 1,229 |
| Net charge-offs to loans | 0.2981% | 1,775 |
| Credit loss provision to net charge-offs | 28.5714% | 2,906 |
| Earnings coverage of net charge-offs (x) | 6.0952% | 2,278 |
| Efficiency ratio | 68.7042% | 4,193 |
| Assets per employee ($millions) | 4.2224% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7432% | 868 |
| Loan loss allowance to noncurrent loans | 110.8320% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.5157% | 2,979 |
| Noncurrent loans to loans | 2.4751% | 2,084 |
| Net loans and leases to total assets | 59.2791% | 3,558 |
| Net loans and leases to deposits | 66.0771% | 4,045 |
| Net loans and leases to core deposits | 66.0771% | 4,520 |
| Total domestic deposits to total assets | 89.7120% | 1,224 |
| Equity capital to assets | 8.4241% | 6,078 |
| Core capital (leverage) ratio | 8.7979% | 5,190 |
| Tier 1 risk-based capital ratio | 13.6945% | 4,724 |
| Total risk-based capital ratio | 14.9611% | 4,678 |
| Memoranda: | ||
| Average total assets | $40,191,500 | 6,453 |
| Average earning assets | $36,360,500 | 6,454 |
| Average equity | $3,515,000 | 6,624 |
| Average total loans | $28,180,500 | 5,976 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 2,566 |
| Cost of funding earning assets | 0.6752% | 3,687 |
| Net interest margin | 4.0312% | 2,266 |
| Noninterest income to average assets | 0.3643% | 4,876 |
| Noninterest expense to average assets | 3.0770% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6526% | 3,972 |
| Return on assets (ROA) | 0.6526% | 4,242 |
| Pretax return on assets | 0.9488% | 3,751 |
| Return on Equity (ROE) | 7.2350% | 3,509 |
| Retained earnings to average equity (ytd only) | 3.1671% | 3,999 |
| Net charge-offs to loans | -0.0145% | 6,514 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4323% | 2,673 |
| Assets per employee ($millions) | 3.8159% | 4,331 |
| Cash dividends to net income (ytd only)* | 56.2249% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3510% | 1,305 |
| Loan loss allowance to noncurrent loans | 123.0769% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 1.5409% | 3,077 |
| Noncurrent loans to loans | 1.9102% | 2,794 |
| Net loans and leases to total assets | 78.3695% | 629 |
| Net loans and leases to deposits | 88.5261% | 1,214 |
| Net loans and leases to core deposits | 88.5261% | 2,030 |
| Total domestic deposits to total assets | 88.5270% | 1,885 |
| Equity capital to assets | 9.1014% | 5,399 |
| Core capital (leverage) ratio | 9.3481% | 4,337 |
| Tier 1 risk-based capital ratio | 11.1643% | 6,286 |
| Total risk-based capital ratio | 12.4277% | 6,245 |
| Memoranda: | ||
| Average total assets | $38,154,000 | 6,553 |
| Average earning assets | $34,655,000 | 6,540 |
| Average equity | $3,441,600 | 6,699 |
| Average total loans | $27,645,800 | 6,050 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 3,434 |
| Cost of funding earning assets | 0.7043% | 3,727 |
| Net interest margin | 3.8431% | 3,147 |
| Noninterest income to average assets | 0.3669% | 4,895 |
| Noninterest expense to average assets | 3.0438% | 3,079 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5696% | 4,521 |
| Return on assets (ROA) | 0.5696% | 4,794 |
| Pretax return on assets | 0.8317% | 4,374 |
| Return on Equity (ROE) | 6.3292% | 4,155 |
| Retained earnings to average equity (ytd only) | 6.3292% | 2,468 |
| Net charge-offs to loans | -0.0149% | 6,435 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5392% | 2,307 |
| Assets per employee ($millions) | 3.6041% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4646% | 1,247 |
| Loan loss allowance to noncurrent loans | 94.8549% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 2.1115% | 2,531 |
| Noncurrent loans to loans | 2.5983% | 2,199 |
| Net loans and leases to total assets | 78.9490% | 615 |
| Net loans and leases to deposits | 89.6669% | 1,189 |
| Net loans and leases to core deposits | 90.5717% | 1,917 |
| Total domestic deposits to total assets | 88.0469% | 2,019 |
| Equity capital to assets | 9.7861% | 4,801 |
| Core capital (leverage) ratio | 9.5689% | 4,162 |
| Tier 1 risk-based capital ratio | 12.2185% | 5,823 |
| Total risk-based capital ratio | 13.4830% | 5,789 |
| Memoranda: | ||
| Average total assets | $38,152,750 | 6,633 |
| Average earning assets | $34,832,000 | 6,619 |
| Average equity | $3,433,750 | 6,787 |
| Average total loans | $26,901,000 | 6,171 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 4,615 |
| Cost of funding earning assets | 0.7308% | 3,765 |
| Net interest margin | 3.5585% | 4,422 |
| Noninterest income to average assets | 0.3552% | 4,993 |
| Noninterest expense to average assets | 3.0162% | 3,200 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4221% | 5,138 |
| Return on assets (ROA) | 0.4221% | 5,372 |
| Pretax return on assets | 0.5971% | 5,145 |
| Return on Equity (ROE) | 4.8197% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.8197% | 3,394 |
| Net charge-offs to loans | -0.0536% | 6,682 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4758% | 1,688 |
| Assets per employee ($millions) | 3.9977% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7608% | 979 |
| Loan loss allowance to noncurrent loans | 101.1189% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.7960% | 3,045 |
| Noncurrent loans to loans | 2.7303% | 2,202 |
| Net loans and leases to total assets | 63.6991% | 3,100 |
| Net loans and leases to deposits | 71.1989% | 3,739 |
| Net loans and leases to core deposits | 71.8336% | 4,314 |
| Total domestic deposits to total assets | 89.4664% | 1,237 |
| Equity capital to assets | 8.6200% | 6,105 |
| Core capital (leverage) ratio | 8.7201% | 5,345 |
| Tier 1 risk-based capital ratio | 12.5983% | 5,496 |
| Total risk-based capital ratio | 13.8669% | 5,464 |
| Memoranda: | ||
| Average total assets | $38,856,670 | 6,666 |
| Average earning assets | $35,576,670 | 6,637 |
| Average equity | $3,402,670 | 6,832 |
| Average total loans | $26,143,670 | 6,252 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3524% | 4,512 |
| Cost of funding earning assets | 0.7654% | 3,744 |
| Net interest margin | 3.5870% | 4,319 |
| Noninterest income to average assets | 0.3760% | 4,848 |
| Noninterest expense to average assets | 3.1752% | 2,678 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3551% | 5,455 |
| Return on assets (ROA) | 0.3551% | 5,632 |
| Pretax return on assets | 0.4805% | 5,489 |
| Return on Equity (ROE) | 4.0225% | 5,287 |
| Retained earnings to average equity (ytd only) | 4.0225% | 4,173 |
| Net charge-offs to loans | -0.0766% | 6,704 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8571% | 1,391 |
| Assets per employee ($millions) | 4.0330% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0048% | 823 |
| Loan loss allowance to noncurrent loans | 91.3815% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 2.0258% | 2,861 |
| Noncurrent loans to loans | 3.2882% | 1,940 |
| Net loans and leases to total assets | 57.7089% | 4,083 |
| Net loans and leases to deposits | 64.3141% | 4,589 |
| Net loans and leases to core deposits | 64.8807% | 5,025 |
| Total domestic deposits to total assets | 89.7297% | 1,229 |
| Equity capital to assets | 8.4255% | 6,149 |
| Core capital (leverage) ratio | 8.7144% | 5,271 |
| Tier 1 risk-based capital ratio | 12.7133% | 5,431 |
| Total risk-based capital ratio | 13.9816% | 5,381 |
| Memoranda: | ||
| Average total assets | $38,296,500 | 6,727 |
| Average earning assets | $35,015,000 | 6,710 |
| Average equity | $3,381,000 | 6,881 |
| Average total loans | $26,121,500 | 6,300 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7359% | 4,097 |
| Cost of funding earning assets | 0.9229% | 3,935 |
| Net interest margin | 3.8130% | 3,757 |
| Noninterest income to average assets | 0.4576% | 4,162 |
| Noninterest expense to average assets | 3.1105% | 3,161 |
| Loan and lease loss provision to assets | 0.0654% | 5,793 |
| Net operating income to assets | 0.5720% | 4,138 |
| Return on assets (ROA) | 0.5720% | 4,324 |
| Pretax return on assets | 0.7926% | 4,006 |
| Return on Equity (ROE) | 6.4811% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.4811% | 1,747 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3802% | 2,543 |
| Assets per employee ($millions) | 3.6263% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5347% | 1,274 |
| Loan loss allowance to noncurrent loans | 127.1758% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 1.6435% | 3,491 |
| Noncurrent loans to loans | 1.9931% | 3,215 |
| Net loans and leases to total assets | 75.9231% | 961 |
| Net loans and leases to deposits | 85.6521% | 1,711 |
| Net loans and leases to core deposits | 86.4997% | 2,569 |
| Total domestic deposits to total assets | 88.6413% | 1,759 |
| Equity capital to assets | 9.2767% | 5,176 |
| Core capital (leverage) ratio | 9.3890% | 4,195 |
| Tier 1 risk-based capital ratio | 11.8718% | 5,917 |
| Total risk-based capital ratio | 13.1388% | 5,890 |
| Memoranda: | ||
| Average total assets | $36,714,800 | 6,774 |
| Average earning assets | $33,805,400 | 6,757 |
| Average equity | $3,240,200 | 6,951 |
| Average total loans | $25,929,200 | 6,364 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6318% | 4,737 |
| Cost of funding earning assets | 0.9491% | 4,057 |
| Net interest margin | 3.6827% | 4,420 |
| Noninterest income to average assets | 0.4598% | 4,222 |
| Noninterest expense to average assets | 3.0954% | 3,182 |
| Loan and lease loss provision to assets | 0.0869% | 5,358 |
| Net operating income to assets | 0.4562% | 4,739 |
| Return on assets (ROA) | 0.4562% | 4,933 |
| Pretax return on assets | 0.6770% | 4,560 |
| Return on Equity (ROE) | 5.2349% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.2349% | 3,037 |
| Net charge-offs to loans | -0.1052% | 7,174 |
| Credit loss provision to net charge-offs | -120.0000% | 6,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2064% | 2,231 |
| Assets per employee ($millions) | 3.5027% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6912% | 1,138 |
| Loan loss allowance to noncurrent loans | 65.4497% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 3.2147% | 1,980 |
| Noncurrent loans to loans | 4.1119% | 1,608 |
| Net loans and leases to total assets | 75.8729% | 997 |
| Net loans and leases to deposits | 86.0232% | 1,688 |
| Net loans and leases to core deposits | 86.9093% | 2,657 |
| Total domestic deposits to total assets | 88.2005% | 1,926 |
| Equity capital to assets | 9.3671% | 5,280 |
| Core capital (leverage) ratio | 9.0488% | 4,851 |
| Tier 1 risk-based capital ratio | 12.0847% | 5,836 |
| Total risk-based capital ratio | 13.3517% | 5,811 |
| Memoranda: | ||
| Average total assets | $36,827,750 | 6,832 |
| Average earning assets | $33,995,750 | 6,815 |
| Average equity | $3,209,250 | 7,014 |
| Average total loans | $25,349,500 | 6,463 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3943% | 5,716 |
| Cost of funding earning assets | 0.9618% | 4,240 |
| Net interest margin | 3.4325% | 5,433 |
| Noninterest income to average assets | 0.4595% | 4,199 |
| Noninterest expense to average assets | 3.0405% | 3,477 |
| Loan and lease loss provision to assets | 0.1282% | 4,686 |
| Net operating income to assets | 0.3260% | 5,269 |
| Return on assets (ROA) | 0.3260% | 5,403 |
| Pretax return on assets | 0.4756% | 5,152 |
| Return on Equity (ROE) | 3.8301% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.8301% | 3,774 |
| Net charge-offs to loans | -0.1377% | 7,233 |
| Credit loss provision to net charge-offs | -141.1765% | 6,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4311% | 1,892 |
| Assets per employee ($millions) | 3.6665% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9675% | 920 |
| Loan loss allowance to noncurrent loans | 59.5451% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 3.3656% | 1,964 |
| Noncurrent loans to loans | 4.9836% | 1,312 |
| Net loans and leases to total assets | 65.3702% | 3,168 |
| Net loans and leases to deposits | 73.5643% | 3,872 |
| Net loans and leases to core deposits | 74.2825% | 4,544 |
| Total domestic deposits to total assets | 88.8613% | 1,626 |
| Equity capital to assets | 8.7740% | 5,850 |
| Core capital (leverage) ratio | 8.5469% | 5,479 |
| Tier 1 risk-based capital ratio | 12.7296% | 5,152 |
| Total risk-based capital ratio | 14.0006% | 5,105 |
| Memoranda: | ||
| Average total assets | $37,428,000 | 6,873 |
| Average earning assets | $34,727,000 | 6,842 |
| Average equity | $3,185,330 | 7,076 |
| Average total loans | $24,695,670 | 6,553 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5499% | 5,169 |
| Cost of funding earning assets | 1.0174% | 4,073 |
| Net interest margin | 3.5325% | 4,876 |
| Noninterest income to average assets | 0.4338% | 4,424 |
| Noninterest expense to average assets | 2.9834% | 3,712 |
| Loan and lease loss provision to assets | 0.2539% | 3,117 |
| Net operating income to assets | 0.3280% | 5,278 |
| Return on assets (ROA) | 0.3280% | 5,354 |
| Pretax return on assets | 0.4655% | 5,138 |
| Return on Equity (ROE) | 3.9123% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.9123% | 3,823 |
| Net charge-offs to loans | -0.2430% | 7,300 |
| Credit loss provision to net charge-offs | -160.0000% | 5,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5714% | 2,428 |
| Assets per employee ($millions) | 3.8766% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3868% | 666 |
| Loan loss allowance to noncurrent loans | 58.8093% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 3.3431% | 2,037 |
| Noncurrent loans to loans | 5.7589% | 1,124 |
| Net loans and leases to total assets | 53.7920% | 5,330 |
| Net loans and leases to deposits | 60.4435% | 5,679 |
| Net loans and leases to core deposits | 61.3540% | 5,983 |
| Total domestic deposits to total assets | 88.9955% | 1,775 |
| Equity capital to assets | 8.2160% | 6,263 |
| Core capital (leverage) ratio | 8.2417% | 5,919 |
| Tier 1 risk-based capital ratio | 13.2267% | 4,640 |
| Total risk-based capital ratio | 14.4975% | 4,600 |
| Memoranda: | ||
| Average total assets | $37,809,500 | 6,910 |
| Average earning assets | $34,989,500 | 6,881 |
| Average equity | $3,169,500 | 7,113 |
| Average total loans | $24,693,000 | 6,604 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6220% | 1,811 |
| Cost of funding earning assets | 1.2782% | 4,032 |
| Net interest margin | 4.3439% | 1,669 |
| Noninterest income to average assets | 0.5180% | 4,039 |
| Noninterest expense to average assets | 3.2651% | 2,854 |
| Loan and lease loss provision to assets | 0.2719% | 4,628 |
| Net operating income to assets | 0.6210% | 3,579 |
| Return on assets (ROA) | 0.6210% | 3,744 |
| Pretax return on assets | 0.9587% | 3,069 |
| Return on Equity (ROE) | 6.7995% | 3,215 |
| Retained earnings to average equity (ytd only) | 1.3160% | 4,887 |
| Net charge-offs to loans | 0.5665% | 3,351 |
| Credit loss provision to net charge-offs | 59.7484% | 6,088 |
| Earnings coverage of net charge-offs (x) | 2.7044% | 3,737 |
| Efficiency ratio | 72.6289% | 3,675 |
| Assets per employee ($millions) | 4.0948% | 3,590 |
| Cash dividends to net income (ytd only)* | 80.6452% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4890% | 1,423 |
| Loan loss allowance to noncurrent loans | 270.3125% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 5,323 |
| Noncurrent loans to loans | 0.9208% | 5,218 |
| Net loans and leases to total assets | 73.5625% | 1,753 |
| Net loans and leases to deposits | 83.6367% | 2,506 |
| Net loans and leases to core deposits | 84.1507% | 3,572 |
| Total domestic deposits to total assets | 87.9548% | 2,273 |
| Equity capital to assets | 8.5583% | 5,782 |
| Core capital (leverage) ratio | 8.5433% | 5,283 |
| Tier 1 risk-based capital ratio | 11.2082% | 6,175 |
| Total risk-based capital ratio | 12.4733% | 6,147 |
| Memoranda: | ||
| Average total assets | $34,944,800 | 7,047 |
| Average earning assets | $31,999,200 | 7,020 |
| Average equity | $3,191,400 | 7,222 |
| Average total loans | $28,069,200 | 6,493 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6720% | 1,807 |
| Cost of funding earning assets | 1.3011% | 4,210 |
| Net interest margin | 4.3708% | 1,612 |
| Noninterest income to average assets | 0.5454% | 3,823 |
| Noninterest expense to average assets | 3.4350% | 2,194 |
| Loan and lease loss provision to assets | 0.1547% | 5,492 |
| Net operating income to assets | 0.6460% | 3,667 |
| Return on assets (ROA) | 0.6460% | 3,834 |
| Pretax return on assets | 0.9709% | 3,289 |
| Return on Equity (ROE) | 6.9565% | 3,364 |
| Retained earnings to average equity (ytd only) | 6.9565% | 1,876 |
| Net charge-offs to loans | 0.3933% | 3,714 |
| Credit loss provision to net charge-offs | 48.1928% | 5,912 |
| Earnings coverage of net charge-offs (x) | 3.5061% | 3,416 |
| Efficiency ratio | 75.3181% | 3,074 |
| Assets per employee ($millions) | 3.4412% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4788% | 1,359 |
| Loan loss allowance to noncurrent loans | 141.1881% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 1.6215% | 4,012 |
| Noncurrent loans to loans | 1.7557% | 4,007 |
| Net loans and leases to total assets | 81.5152% | 558 |
| Net loans and leases to deposits | 93.4099% | 1,272 |
| Net loans and leases to core deposits | 95.0237% | 2,388 |
| Total domestic deposits to total assets | 87.2661% | 2,394 |
| Equity capital to assets | 9.5287% | 4,795 |
| Core capital (leverage) ratio | 8.8507% | 4,923 |
| Tier 1 risk-based capital ratio | 11.7065% | 5,726 |
| Total risk-based capital ratio | 12.9739% | 5,678 |
| Memoranda: | ||
| Average total assets | $34,467,750 | 7,146 |
| Average earning assets | $31,663,750 | 7,117 |
| Average equity | $3,200,750 | 7,310 |
| Average total loans | $28,136,000 | 6,578 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5730% | 2,240 |
| Cost of funding earning assets | 1.2953% | 4,568 |
| Net interest margin | 4.2777% | 1,861 |
| Noninterest income to average assets | 0.5625% | 3,608 |
| Noninterest expense to average assets | 3.3115% | 2,529 |
| Loan and lease loss provision to assets | 0.0580% | 6,377 |
| Net operating income to assets | 0.7423% | 3,226 |
| Return on assets (ROA) | 0.7423% | 3,374 |
| Pretax return on assets | 1.1193% | 2,714 |
| Return on Equity (ROE) | 8.0638% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.0638% | 1,417 |
| Net charge-offs to loans | 0.1719% | 4,585 |
| Credit loss provision to net charge-offs | 41.6667% | 5,585 |
| Earnings coverage of net charge-offs (x) | 8.4583% | 2,132 |
| Efficiency ratio | 73.7726% | 3,515 |
| Assets per employee ($millions) | 3.4249% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6681% | 1,123 |
| Loan loss allowance to noncurrent loans | 106.3037% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 2.2804% | 3,158 |
| Noncurrent loans to loans | 2.5099% | 3,141 |
| Net loans and leases to total assets | 79.0330% | 949 |
| Net loans and leases to deposits | 90.5405% | 1,766 |
| Net loans and leases to core deposits | 91.1442% | 3,101 |
| Total domestic deposits to total assets | 87.2901% | 2,386 |
| Equity capital to assets | 9.4601% | 4,766 |
| Core capital (leverage) ratio | 9.5666% | 3,720 |
| Tier 1 risk-based capital ratio | 11.9017% | 5,401 |
| Total risk-based capital ratio | 13.1690% | 5,356 |
| Memoranda: | ||
| Average total assets | $34,486,330 | 7,196 |
| Average earning assets | $31,652,670 | 7,170 |
| Average equity | $3,174,670 | 7,365 |
| Average total loans | $27,926,670 | 6,638 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5896% | 2,195 |
| Cost of funding earning assets | 1.3279% | 4,634 |
| Net interest margin | 4.2618% | 1,814 |
| Noninterest income to average assets | 0.6473% | 2,952 |
| Noninterest expense to average assets | 3.3984% | 2,241 |
| Loan and lease loss provision to assets | 0.1156% | 5,449 |
| Net operating income to assets | 0.6935% | 3,466 |
| Return on assets (ROA) | 0.6935% | 3,582 |
| Pretax return on assets | 1.0288% | 2,974 |
| Return on Equity (ROE) | 7.6384% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.6384% | 1,864 |
| Net charge-offs to loans | 0.3859% | 2,887 |
| Credit loss provision to net charge-offs | 37.0370% | 4,692 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 2,830 |
| Efficiency ratio | 74.8092% | 3,437 |
| Assets per employee ($millions) | 3.1151% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7780% | 1,010 |
| Loan loss allowance to noncurrent loans | 210.5413% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 1.2666% | 4,646 |
| Noncurrent loans to loans | 1.3194% | 4,776 |
| Net loans and leases to total assets | 75.4771% | 1,654 |
| Net loans and leases to deposits | 86.1870% | 2,549 |
| Net loans and leases to core deposits | 86.7595% | 3,794 |
| Total domestic deposits to total assets | 87.5737% | 2,317 |
| Equity capital to assets | 9.2570% | 4,902 |
| Core capital (leverage) ratio | 9.3669% | 3,951 |
| Tier 1 risk-based capital ratio | 11.8842% | 5,314 |
| Total risk-based capital ratio | 13.1542% | 5,246 |
| Memoranda: | ||
| Average total assets | $34,605,000 | 7,281 |
| Average earning assets | $31,630,000 | 7,261 |
| Average equity | $3,142,000 | 7,453 |
| Average total loans | $27,985,000 | 6,721 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0596% | 1,641 |
| Cost of funding earning assets | 1.7331% | 4,345 |
| Net interest margin | 4.3265% | 1,644 |
| Noninterest income to average assets | 0.4423% | 4,866 |
| Noninterest expense to average assets | 3.3842% | 2,729 |
| Loan and lease loss provision to assets | 0.0204% | 7,299 |
| Net operating income to assets | 0.6722% | 3,048 |
| Return on assets (ROA) | 0.6722% | 3,104 |
| Pretax return on assets | 1.0039% | 2,579 |
| Return on Equity (ROE) | 7.3731% | 2,629 |
| Retained earnings to average equity (ytd only) | 0.9895% | 4,342 |
| Net charge-offs to loans | -0.1273% | 7,896 |
| Credit loss provision to net charge-offs | -19.4444% | 7,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7657% | 3,397 |
| Assets per employee ($millions) | 3.4944% | 5,010 |
| Cash dividends to net income (ytd only)* | 86.5801% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5742% | 1,143 |
| Loan loss allowance to noncurrent loans | 295.3125% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 4,910 |
| Noncurrent loans to loans | 0.8717% | 5,557 |
| Net loans and leases to total assets | 81.8796% | 700 |
| Net loans and leases to deposits | 93.6440% | 1,648 |
| Net loans and leases to core deposits | 102.1492% | 3,789 |
| Total domestic deposits to total assets | 87.4370% | 2,250 |
| Equity capital to assets | 8.9057% | 5,270 |
| Core capital (leverage) ratio | 9.1965% | 4,125 |
| Tier 1 risk-based capital ratio | 10.7203% | 6,186 |
| Total risk-based capital ratio | 11.9880% | 6,147 |
| Memoranda: | ||
| Average total assets | $34,365,400 | 7,308 |
| Average earning assets | $31,503,800 | 7,289 |
| Average equity | $3,133,000 | 7,556 |
| Average total loans | $28,281,000 | 6,726 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0357% | 1,896 |
| Cost of funding earning assets | 1.8196% | 4,292 |
| Net interest margin | 4.2161% | 1,983 |
| Noninterest income to average assets | 0.4247% | 5,093 |
| Noninterest expense to average assets | 3.5104% | 2,256 |
| Loan and lease loss provision to assets | 0.0273% | 7,078 |
| Net operating income to assets | 0.5221% | 3,892 |
| Return on assets (ROA) | 0.5221% | 3,984 |
| Pretax return on assets | 0.7597% | 3,666 |
| Return on Equity (ROE) | 5.6930% | 3,653 |
| Retained earnings to average equity (ytd only) | 5.6930% | 2,106 |
| Net charge-offs to loans | -0.1571% | 7,954 |
| Credit loss provision to net charge-offs | -21.2121% | 7,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6863% | 2,625 |
| Assets per employee ($millions) | 3.1208% | 5,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5563% | 1,009 |
| Loan loss allowance to noncurrent loans | 132.8042% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 2.0158% | 3,321 |
| Noncurrent loans to loans | 1.9248% | 3,738 |
| Net loans and leases to total assets | 83.6144% | 588 |
| Net loans and leases to deposits | 100.7017% | 1,046 |
| Net loans and leases to core deposits | 110.9591% | 3,130 |
| Total domestic deposits to total assets | 83.0318% | 4,205 |
| Equity capital to assets | 9.3682% | 4,931 |
| Core capital (leverage) ratio | 9.4115% | 4,033 |
| Tier 1 risk-based capital ratio | 11.3752% | 5,564 |
| Total risk-based capital ratio | 12.6415% | 5,488 |
| Memoranda: | ||
| Average total assets | $34,220,750 | 7,374 |
| Average earning assets | $31,434,500 | 7,353 |
| Average equity | $3,138,250 | 7,620 |
| Average total loans | $28,009,250 | 6,793 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9765% | 2,279 |
| Cost of funding earning assets | 1.8880% | 4,330 |
| Net interest margin | 4.0885% | 2,362 |
| Noninterest income to average assets | 0.4095% | 5,199 |
| Noninterest expense to average assets | 3.5103% | 2,309 |
| Loan and lease loss provision to assets | 0.0410% | 6,827 |
| Net operating income to assets | 0.4095% | 4,476 |
| Return on assets (ROA) | 0.4095% | 4,583 |
| Pretax return on assets | 0.6085% | 4,298 |
| Return on Equity (ROE) | 4.4982% | 4,305 |
| Retained earnings to average equity (ytd only) | 4.4982% | 2,794 |
| Net charge-offs to loans | -0.2180% | 8,038 |
| Credit loss provision to net charge-offs | -23.3333% | 6,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3882% | 2,431 |
| Assets per employee ($millions) | 3.1146% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7090% | 743 |
| Loan loss allowance to noncurrent loans | 283.0189% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8698% | 5,248 |
| Noncurrent loans to loans | 0.9572% | 5,307 |
| Net loans and leases to total assets | 78.6171% | 1,613 |
| Net loans and leases to deposits | 91.3980% | 2,588 |
| Net loans and leases to core deposits | 100.8990% | 4,414 |
| Total domestic deposits to total assets | 86.0162% | 2,784 |
| Equity capital to assets | 9.1970% | 5,017 |
| Core capital (leverage) ratio | 9.3978% | 4,027 |
| Tier 1 risk-based capital ratio | 11.7277% | 5,167 |
| Total risk-based capital ratio | 12.9969% | 5,074 |
| Memoranda: | ||
| Average total assets | $34,184,670 | 7,440 |
| Average earning assets | $31,356,330 | 7,420 |
| Average equity | $3,112,330 | 7,696 |
| Average total loans | $27,526,670 | 6,878 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9401% | 2,604 |
| Cost of funding earning assets | 1.9244% | 4,515 |
| Net interest margin | 4.0157% | 2,584 |
| Noninterest income to average assets | 0.4451% | 4,828 |
| Noninterest expense to average assets | 3.5963% | 1,876 |
| Loan and lease loss provision to assets | 0.0820% | 5,915 |
| Net operating income to assets | 0.2811% | 5,366 |
| Return on assets (ROA) | 0.2811% | 5,535 |
| Pretax return on assets | 0.4334% | 5,299 |
| Return on Equity (ROE) | 3.1038% | 5,327 |
| Retained earnings to average equity (ytd only) | 3.1038% | 4,146 |
| Net charge-offs to loans | -0.0146% | 7,365 |
| Credit loss provision to net charge-offs | -700.0000% | 6,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4644% | 1,937 |
| Assets per employee ($millions) | 2.9788% | 6,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8021% | 579 |
| Loan loss allowance to noncurrent loans | 166.1290% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 1.4252% | 3,801 |
| Noncurrent loans to loans | 1.6867% | 3,724 |
| Net loans and leases to total assets | 76.3268% | 2,200 |
| Net loans and leases to deposits | 90.9058% | 2,792 |
| Net loans and leases to core deposits | 101.0464% | 4,434 |
| Total domestic deposits to total assets | 83.9625% | 3,725 |
| Equity capital to assets | 9.4760% | 4,704 |
| Core capital (leverage) ratio | 9.4040% | 4,101 |
| Tier 1 risk-based capital ratio | 11.2770% | 5,620 |
| Total risk-based capital ratio | 12.5445% | 5,519 |
| Memoranda: | ||
| Average total assets | $34,146,500 | 7,487 |
| Average earning assets | $31,178,000 | 7,469 |
| Average equity | $3,093,000 | 7,751 |
| Average total loans | $27,447,500 | 6,916 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6976% | 2,034 |
| Cost of funding earning assets | 2.5030% | 4,191 |
| Net interest margin | 4.1946% | 2,332 |
| Noninterest income to average assets | 0.4688% | 4,888 |
| Noninterest expense to average assets | 3.3815% | 2,732 |
| Loan and lease loss provision to assets | 0.0143% | 7,196 |
| Net operating income to assets | 0.6289% | 4,191 |
| Return on assets (ROA) | 0.6289% | 4,039 |
| Pretax return on assets | 0.9004% | 3,718 |
| Return on Equity (ROE) | 7.0776% | 3,489 |
| Retained earnings to average equity (ytd only) | 0.6434% | 4,852 |
| Net charge-offs to loans | 0.2869% | 3,485 |
| Credit loss provision to net charge-offs | 6.4103% | 6,634 |
| Earnings coverage of net charge-offs (x) | 4.1026% | 4,106 |
| Efficiency ratio | 78.7092% | 2,804 |
| Assets per employee ($millions) | 3.2296% | 5,399 |
| Cash dividends to net income (ytd only)* | 90.9091% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4448% | 726 |
| Loan loss allowance to noncurrent loans | 272.1374% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.9289% | 4,505 |
| Noncurrent loans to loans | 0.8984% | 4,829 |
| Net loans and leases to total assets | 80.0850% | 1,645 |
| Net loans and leases to deposits | 101.3321% | 1,666 |
| Net loans and leases to core deposits | 112.5480% | 3,505 |
| Total domestic deposits to total assets | 79.0323% | 5,366 |
| Equity capital to assets | 8.6725% | 5,852 |
| Core capital (leverage) ratio | 9.1327% | 4,549 |
| Tier 1 risk-based capital ratio | 9.8934% | 6,859 |
| Total risk-based capital ratio | 11.1554% | 6,727 |
| Memoranda: | ||
| Average total assets | $34,984,200 | 7,425 |
| Average earning assets | $31,922,000 | 7,410 |
| Average equity | $3,108,400 | 7,803 |
| Average total loans | $27,183,400 | 6,887 |