Home > Bank of Yates City > Performance and Condition Ratios
Bank of Yates City, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 2,985 |
| Cost of funding earning assets | 1.0808% | 3,110 |
| Net interest margin | 3.4835% | 2,224 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.7101% | 1,710 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.7379% | 3,086 |
| Return on assets (ROA) | 0.6657% | 3,263 |
| Pretax return on assets | 0.6657% | 3,507 |
| Return on Equity (ROE) | 9.4400% | 2,651 |
| Retained earnings to average equity (ytd only) | 6.9181% | 1,913 |
| Net charge-offs to loans | 0.0078% | 2,382 |
| Credit loss provision to net charge-offs | 1,460.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 139.2000% | 749 |
| Efficiency ratio | 76.6756% | 1,192 |
| Assets per employee ($millions) | 5.6024% | 3,160 |
| Cash dividends to net income (ytd only)* | 26.6904% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 1,139 |
| Loan loss allowance to noncurrent loans | 132.0479% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8949% | 558 |
| Noncurrent loans to loans | 1.1146% | 649 |
| Net loans and leases to total assets | 79.1100% | 750 |
| Net loans and leases to deposits | 88.1250% | 1,418 |
| Net loans and leases to core deposits | 92.3806% | 1,875 |
| Total domestic deposits to total assets | 89.7700% | 816 |
| Equity capital to assets | 7.4932% | 3,720 |
| Core capital (leverage) ratio | 8.8230% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4755% | 2,424 |
| Memoranda: | ||
| Average total assets | $84,425,200 | 3,976 |
| Average earning assets | $80,035,200 | 3,930 |
| Average equity | $5,955,400 | 4,166 |
| Average total loans | $64,286,400 | 3,642 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4230% | 3,062 |
| Cost of funding earning assets | 0.9687% | 3,121 |
| Net interest margin | 3.4543% | 2,324 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.6407% | 1,827 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.7461% | 3,183 |
| Return on assets (ROA) | 0.6594% | 3,396 |
| Pretax return on assets | 0.6594% | 3,626 |
| Return on Equity (ROE) | 9.4900% | 2,804 |
| Retained earnings to average equity (ytd only) | 9.0401% | 1,675 |
| Net charge-offs to loans | -0.0105% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.4054% | 1,232 |
| Assets per employee ($millions) | 5.7285% | 2,987 |
| Cash dividends to net income (ytd only)* | 4.7847% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,144 |
| Loan loss allowance to noncurrent loans | 123.2187% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 566 |
| Noncurrent loans to loans | 1.2060% | 649 |
| Net loans and leases to total assets | 77.3800% | 958 |
| Net loans and leases to deposits | 88.8942% | 1,313 |
| Net loans and leases to core deposits | 93.1913% | 1,719 |
| Total domestic deposits to total assets | 87.0500% | 1,879 |
| Equity capital to assets | 6.7813% | 3,714 |
| Core capital (leverage) ratio | 8.6442% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4030% | 2,477 |
| Memoranda: | ||
| Average total assets | $84,522,500 | 3,990 |
| Average earning assets | $80,245,000 | 3,944 |
| Average equity | $5,870,000 | 4,183 |
| Average total loans | $63,490,250 | 3,664 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2595% | 3,174 |
| Cost of funding earning assets | 0.8079% | 3,183 |
| Net interest margin | 3.4516% | 2,384 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.6459% | 1,805 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8233% | 3,007 |
| Return on assets (ROA) | 0.8090% | 3,060 |
| Pretax return on assets | 0.8090% | 3,382 |
| Return on Equity (ROE) | 11.5600% | 2,283 |
| Retained earnings to average equity (ytd only) | 10.8763% | 1,213 |
| Net charge-offs to loans | -0.0386% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.4922% | 1,219 |
| Assets per employee ($millions) | 5.7425% | 2,931 |
| Cash dividends to net income (ytd only)* | 5.8824% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 1,312 |
| Loan loss allowance to noncurrent loans | 94.4444% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.1702% | 356 |
| Noncurrent loans to loans | 1.5454% | 421 |
| Net loans and leases to total assets | 74.6200% | 1,214 |
| Net loans and leases to deposits | 83.5489% | 1,714 |
| Net loans and leases to core deposits | 87.4407% | 1,972 |
| Total domestic deposits to total assets | 89.3100% | 1,134 |
| Equity capital to assets | 6.9134% | 3,836 |
| Core capital (leverage) ratio | 8.6423% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7796% | 2,378 |
| Memoranda: | ||
| Average total assets | $84,054,000 | 4,010 |
| Average earning assets | $79,963,333 | 3,970 |
| Average equity | $5,884,333 | 4,203 |
| Average total loans | $62,155,333 | 3,687 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1222% | 3,209 |
| Cost of funding earning assets | 0.6389% | 3,264 |
| Net interest margin | 3.4833% | 2,411 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.6502% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8770% | 2,933 |
| Return on assets (ROA) | 0.8192% | 3,088 |
| Pretax return on assets | 0.8192% | 3,426 |
| Return on Equity (ROE) | 11.6300% | 2,312 |
| Retained earnings to average equity (ytd only) | 11.6259% | 1,335 |
| Net charge-offs to loans | -0.0396% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.1366% | 1,235 |
| Assets per employee ($millions) | 5.6695% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 1,299 |
| Loan loss allowance to noncurrent loans | 125.6410% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8713% | 522 |
| Noncurrent loans to loans | 1.1869% | 583 |
| Net loans and leases to total assets | 72.3200% | 1,393 |
| Net loans and leases to deposits | 80.4782% | 1,782 |
| Net loans and leases to core deposits | 83.8284% | 1,993 |
| Total domestic deposits to total assets | 89.8600% | 1,209 |
| Equity capital to assets | 6.9083% | 3,871 |
| Core capital (leverage) ratio | 8.5898% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $83,012,500 | 4,072 |
| Average earning assets | $78,890,000 | 4,024 |
| Average equity | $5,849,000 | 4,258 |
| Average total loans | $60,619,500 | 3,753 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6939% | 2,540 |
| Cost of funding earning assets | 0.3699% | 2,330 |
| Net interest margin | 3.3240% | 2,499 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.6487% | 1,683 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.6784% | 3,679 |
| Return on assets (ROA) | 0.6909% | 3,595 |
| Pretax return on assets | 0.6909% | 3,866 |
| Return on Equity (ROE) | 9.0600% | 3,119 |
| Retained earnings to average equity (ytd only) | 6.1957% | 2,572 |
| Net charge-offs to loans | 0.0676% | 971 |
| Credit loss provision to net charge-offs | 200.0000% | 1,118 |
| Earnings coverage of net charge-offs (x) | 17.0833% | 1,963 |
| Efficiency ratio | 77.5137% | 886 |
| Assets per employee ($millions) | 5.3988% | 3,317 |
| Cash dividends to net income (ytd only)* | 31.6456% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 2,064 |
| Loan loss allowance to noncurrent loans | 92.2030% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.9978% | 435 |
| Noncurrent loans to loans | 1.3739% | 494 |
| Net loans and leases to total assets | 71.7000% | 1,451 |
| Net loans and leases to deposits | 78.1165% | 1,937 |
| Net loans and leases to core deposits | 81.4465% | 2,044 |
| Total domestic deposits to total assets | 91.7900% | 688 |
| Equity capital to assets | 7.1905% | 3,559 |
| Core capital (leverage) ratio | 8.9898% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $80,040,600 | 4,132 |
| Average earning assets | $75,963,600 | 4,089 |
| Average equity | $6,101,000 | 4,317 |
| Average total loans | $53,289,600 | 3,843 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5904% | 2,374 |
| Cost of funding earning assets | 0.3488% | 1,717 |
| Net interest margin | 3.2416% | 2,492 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.5695% | 1,795 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.6733% | 3,639 |
| Return on assets (ROA) | 0.6983% | 3,532 |
| Pretax return on assets | 0.6983% | 3,804 |
| Return on Equity (ROE) | 9.0300% | 3,022 |
| Retained earnings to average equity (ytd only) | 8.5998% | 1,783 |
| Net charge-offs to loans | 0.1130% | 556 |
| Credit loss provision to net charge-offs | 129.5455% | 1,182 |
| Earnings coverage of net charge-offs (x) | 10.4545% | 1,983 |
| Efficiency ratio | 76.9770% | 1,001 |
| Assets per employee ($millions) | 5.2486% | 3,461 |
| Cash dividends to net income (ytd only)* | 4.7847% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 2,040 |
| Loan loss allowance to noncurrent loans | 93.0412% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.9857% | 453 |
| Noncurrent loans to loans | 1.3934% | 517 |
| Net loans and leases to total assets | 69.8200% | 1,492 |
| Net loans and leases to deposits | 76.4209% | 1,841 |
| Net loans and leases to core deposits | 80.0384% | 1,902 |
| Total domestic deposits to total assets | 91.3600% | 1,098 |
| Equity capital to assets | 7.1130% | 3,451 |
| Core capital (leverage) ratio | 9.0374% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $79,805,250 | 4,162 |
| Average earning assets | $75,681,000 | 4,120 |
| Average equity | $6,170,500 | 4,355 |
| Average total loans | $51,909,750 | 3,882 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4162% | 2,384 |
| Cost of funding earning assets | 0.3337% | 1,407 |
| Net interest margin | 3.0825% | 2,587 |
| Noninterest income to average assets | 0.2694% | 3,557 |
| Noninterest expense to average assets | 2.4749% | 2,011 |
| Loan and lease loss provision to assets | 0.0748% | 1,286 |
| Net operating income to assets | 0.6462% | 3,486 |
| Return on assets (ROA) | 0.6836% | 3,319 |
| Pretax return on assets | 0.6836% | 3,616 |
| Return on Equity (ROE) | 8.6154% | 2,822 |
| Retained earnings to average equity (ytd only) | 7.9866% | 1,625 |
| Net charge-offs to loans | 0.1185% | 518 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 9.6333% | 1,780 |
| Efficiency ratio | 77.4395% | 1,135 |
| Assets per employee ($millions) | 5.3684% | 3,374 |
| Cash dividends to net income (ytd only)* | 7.2993% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 1,930 |
| Loan loss allowance to noncurrent loans | 80.1812% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.0965% | 410 |
| Noncurrent loans to loans | 1.6924% | 415 |
| Net loans and leases to total assets | 63.9123% | 1,921 |
| Net loans and leases to deposits | 69.3808% | 2,270 |
| Net loans and leases to core deposits | 72.3325% | 2,303 |
| Total domestic deposits to total assets | 92.1181% | 791 |
| Equity capital to assets | 7.1120% | 3,712 |
| Core capital (leverage) ratio | 8.6921% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,164,000 | 4,200 |
| Average earning assets | $76,107,667 | 4,168 |
| Average equity | $6,360,667 | 4,379 |
| Average total loans | $50,649,667 | 3,951 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3608% | 2,208 |
| Cost of funding earning assets | 0.3319% | 1,356 |
| Net interest margin | 3.0290% | 2,409 |
| Noninterest income to average assets | 0.2150% | 3,867 |
| Noninterest expense to average assets | 2.4255% | 2,087 |
| Loan and lease loss provision to assets | 0.0500% | 1,474 |
| Net operating income to assets | 0.6151% | 3,344 |
| Return on assets (ROA) | 0.6901% | 3,082 |
| Pretax return on assets | 0.6901% | 3,422 |
| Return on Equity (ROE) | 8.2666% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.2666% | 1,499 |
| Net charge-offs to loans | -0.1203% | 4,506 |
| Credit loss provision to net charge-offs | -66.6667% | 2,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4790% | 1,273 |
| Assets per employee ($millions) | 5.5097% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 1,647 |
| Loan loss allowance to noncurrent loans | 69.5735% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.2765% | 328 |
| Noncurrent loans to loans | 2.1149% | 330 |
| Net loans and leases to total assets | 59.4693% | 2,120 |
| Net loans and leases to deposits | 64.9835% | 2,435 |
| Net loans and leases to core deposits | 67.6909% | 2,480 |
| Total domestic deposits to total assets | 91.5144% | 795 |
| Equity capital to assets | 7.7124% | 3,793 |
| Core capital (leverage) ratio | 8.5313% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,983,000 | 4,224 |
| Average earning assets | $75,933,500 | 4,191 |
| Average equity | $6,677,500 | 4,392 |
| Average total loans | $49,887,500 | 3,975 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 892 |
| Cost of funding earning assets | 0.4452% | 1,241 |
| Net interest margin | 3.8238% | 958 |
| Noninterest income to average assets | 0.2848% | 3,688 |
| Noninterest expense to average assets | 2.7842% | 1,395 |
| Loan and lease loss provision to assets | 0.0932% | 1,337 |
| Net operating income to assets | 0.9961% | 2,687 |
| Return on assets (ROA) | 1.0155% | 2,690 |
| Pretax return on assets | 1.0514% | 3,124 |
| Return on Equity (ROE) | 11.1101% | 2,126 |
| Retained earnings to average equity (ytd only) | 7.7611% | 1,632 |
| Net charge-offs to loans | 0.1713% | 563 |
| Credit loss provision to net charge-offs | 82.3529% | 1,939 |
| Earnings coverage of net charge-offs (x) | 9.9412% | 2,236 |
| Efficiency ratio | 71.2291% | 1,589 |
| Assets per employee ($millions) | 5.1547% | 3,594 |
| Cash dividends to net income (ytd only)* | 30.1442% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,836 |
| Loan loss allowance to noncurrent loans | 66.9500% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.3696% | 322 |
| Noncurrent loans to loans | 2.1226% | 355 |
| Net loans and leases to total assets | 63.6097% | 1,751 |
| Net loans and leases to deposits | 70.5699% | 2,067 |
| Net loans and leases to core deposits | 73.8206% | 2,096 |
| Total domestic deposits to total assets | 90.1371% | 897 |
| Equity capital to assets | 9.0287% | 3,593 |
| Core capital (leverage) ratio | 8.9665% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,137,000 | 4,276 |
| Average earning assets | $71,211,600 | 4,250 |
| Average equity | $6,867,600 | 4,438 |
| Average total loans | $49,607,400 | 4,006 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 2,174 |
| Cost of funding earning assets | 0.4755% | 1,179 |
| Net interest margin | 3.2641% | 2,534 |
| Noninterest income to average assets | 0.8294% | 1,442 |
| Noninterest expense to average assets | 2.7420% | 1,481 |
| Loan and lease loss provision to assets | 0.1247% | 936 |
| Net operating income to assets | 1.0546% | 2,713 |
| Return on assets (ROA) | 1.0546% | 2,783 |
| Pretax return on assets | 1.0546% | 3,313 |
| Return on Equity (ROE) | 11.5019% | 2,214 |
| Retained earnings to average equity (ytd only) | 11.1121% | 1,039 |
| Net charge-offs to loans | 0.2422% | 339 |
| Credit loss provision to net charge-offs | 77.7778% | 1,723 |
| Earnings coverage of net charge-offs (x) | 7.3333% | 2,142 |
| Efficiency ratio | 69.9180% | 1,608 |
| Assets per employee ($millions) | 4.9896% | 3,709 |
| Cash dividends to net income (ytd only)* | 3.3898% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 2,091 |
| Loan loss allowance to noncurrent loans | 77.7042% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 488 |
| Noncurrent loans to loans | 1.7806% | 545 |
| Net loans and leases to total assets | 67.0448% | 1,424 |
| Net loans and leases to deposits | 75.2986% | 1,738 |
| Net loans and leases to core deposits | 77.3174% | 1,933 |
| Total domestic deposits to total assets | 89.0385% | 1,257 |
| Equity capital to assets | 9.5572% | 3,325 |
| Core capital (leverage) ratio | 9.0624% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,591,250 | 4,337 |
| Average earning assets | $70,666,000 | 4,310 |
| Average equity | $6,839,250 | 4,501 |
| Average total loans | $49,536,250 | 4,067 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6867% | 2,373 |
| Cost of funding earning assets | 0.5182% | 1,103 |
| Net interest margin | 3.1685% | 2,854 |
| Noninterest income to average assets | 0.6093% | 2,172 |
| Noninterest expense to average assets | 2.6145% | 1,819 |
| Loan and lease loss provision to assets | 0.1879% | 600 |
| Net operating income to assets | 0.8107% | 3,476 |
| Return on assets (ROA) | 0.8107% | 3,547 |
| Pretax return on assets | 0.8107% | 3,842 |
| Return on Equity (ROE) | 8.9685% | 3,105 |
| Retained earnings to average equity (ytd only) | 8.3746% | 1,951 |
| Net charge-offs to loans | 0.3952% | 213 |
| Credit loss provision to net charge-offs | 72.1649% | 1,514 |
| Earnings coverage of net charge-offs (x) | 3.8351% | 2,056 |
| Efficiency ratio | 72.3626% | 1,395 |
| Assets per employee ($millions) | 5.0007% | 3,656 |
| Cash dividends to net income (ytd only)* | 6.6225% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 2,018 |
| Loan loss allowance to noncurrent loans | 83.3732% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.1145% | 648 |
| Noncurrent loans to loans | 1.6684% | 642 |
| Net loans and leases to total assets | 65.8712% | 1,703 |
| Net loans and leases to deposits | 73.4973% | 2,049 |
| Net loans and leases to core deposits | 75.4109% | 2,295 |
| Total domestic deposits to total assets | 89.6241% | 965 |
| Equity capital to assets | 9.1135% | 3,693 |
| Core capital (leverage) ratio | 8.5776% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,507,000 | 4,365 |
| Average earning assets | $70,632,333 | 4,333 |
| Average equity | $6,734,667 | 4,538 |
| Average total loans | $49,087,333 | 4,099 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6283% | 2,547 |
| Cost of funding earning assets | 0.5621% | 1,039 |
| Net interest margin | 3.0661% | 3,088 |
| Noninterest income to average assets | 0.4040% | 3,063 |
| Noninterest expense to average assets | 2.5695% | 1,960 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7434% | 3,593 |
| Return on assets (ROA) | 0.7434% | 3,665 |
| Pretax return on assets | 0.7434% | 3,928 |
| Return on Equity (ROE) | 8.2585% | 3,251 |
| Retained earnings to average equity (ytd only) | 8.2585% | 2,160 |
| Net charge-offs to loans | -0.0412% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5610% | 993 |
| Assets per employee ($millions) | 5.0943% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 1,785 |
| Loan loss allowance to noncurrent loans | 64.0845% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.4866% | 430 |
| Noncurrent loans to loans | 2.2592% | 440 |
| Net loans and leases to total assets | 64.8507% | 1,935 |
| Net loans and leases to deposits | 73.0469% | 2,210 |
| Net loans and leases to core deposits | 74.9255% | 2,436 |
| Total domestic deposits to total assets | 88.7795% | 1,451 |
| Equity capital to assets | 8.7261% | 3,933 |
| Core capital (leverage) ratio | 8.5254% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,255,500 | 4,387 |
| Average earning assets | $70,447,000 | 4,353 |
| Average equity | $6,684,000 | 4,559 |
| Average total loans | $48,577,500 | 4,134 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0281% | 2,646 |
| Cost of funding earning assets | 0.7409% | 1,506 |
| Net interest margin | 3.2872% | 3,100 |
| Noninterest income to average assets | 0.2610% | 3,916 |
| Noninterest expense to average assets | 2.9249% | 1,618 |
| Loan and lease loss provision to assets | 0.7266% | 203 |
| Net operating income to assets | -0.2794% | 4,831 |
| Return on assets (ROA) | -0.2794% | 4,846 |
| Pretax return on assets | -0.2794% | 4,837 |
| Return on Equity (ROE) | -3.0319% | 4,867 |
| Retained earnings to average equity (ytd only) | -3.4147% | 4,790 |
| Net charge-offs to loans | 1.1678% | 108 |
| Credit loss provision to net charge-offs | 92.6259% | 2,908 |
| Earnings coverage of net charge-offs (x) | 0.5701% | 3,316 |
| Efficiency ratio | 86.7364% | 502 |
| Assets per employee ($millions) | 4.8065% | 3,602 |
| Cash dividends to net income (ytd only)* | -12.6263% | 4,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5425% | 1,452 |
| Loan loss allowance to noncurrent loans | 46.4355% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 2.1596% | 246 |
| Noncurrent loans to loans | 3.3218% | 231 |
| Net loans and leases to total assets | 64.0096% | 2,364 |
| Net loans and leases to deposits | 72.4315% | 2,644 |
| Net loans and leases to core deposits | 74.4831% | 2,866 |
| Total domestic deposits to total assets | 88.3726% | 1,293 |
| Equity capital to assets | 9.2930% | 3,792 |
| Core capital (leverage) ratio | 8.6157% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,874,800 | 4,371 |
| Average earning assets | $67,079,000 | 4,337 |
| Average equity | $6,530,600 | 4,582 |
| Average total loans | $47,609,000 | 4,152 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 2,762 |
| Cost of funding earning assets | 0.7657% | 1,650 |
| Net interest margin | 3.3027% | 3,178 |
| Noninterest income to average assets | 0.2456% | 4,006 |
| Noninterest expense to average assets | 2.9398% | 1,588 |
| Loan and lease loss provision to assets | 0.9735% | 153 |
| Net operating income to assets | -0.5460% | 4,901 |
| Return on assets (ROA) | -0.5460% | 4,906 |
| Pretax return on assets | -0.5460% | 4,902 |
| Return on Equity (ROE) | -5.9388% | 4,929 |
| Retained earnings to average equity (ytd only) | -6.1443% | 4,870 |
| Net charge-offs to loans | 1.5957% | 67 |
| Credit loss provision to net charge-offs | 90.0350% | 2,699 |
| Earnings coverage of net charge-offs (x) | 0.3951% | 3,130 |
| Efficiency ratio | 87.3176% | 448 |
| Assets per employee ($millions) | 4.7421% | 3,550 |
| Cash dividends to net income (ytd only)* | -3.4602% | 4,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 1,459 |
| Loan loss allowance to noncurrent loans | 55.3641% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.7953% | 423 |
| Noncurrent loans to loans | 2.6642% | 384 |
| Net loans and leases to total assets | 66.3916% | 2,466 |
| Net loans and leases to deposits | 75.2218% | 2,824 |
| Net loans and leases to core deposits | 77.3749% | 3,063 |
| Total domestic deposits to total assets | 88.2611% | 1,083 |
| Equity capital to assets | 9.2787% | 3,870 |
| Core capital (leverage) ratio | 8.5669% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,569,250 | 4,382 |
| Average earning assets | $66,691,500 | 4,354 |
| Average equity | $6,488,250 | 4,605 |
| Average total loans | $47,793,250 | 4,169 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 3,078 |
| Cost of funding earning assets | 0.7810% | 1,926 |
| Net interest margin | 3.3079% | 3,361 |
| Noninterest income to average assets | 0.2160% | 4,193 |
| Noninterest expense to average assets | 2.9269% | 1,767 |
| Loan and lease loss provision to assets | 0.9946% | 208 |
| Net operating income to assets | -0.5882% | 4,926 |
| Return on assets (ROA) | -0.5882% | 4,924 |
| Pretax return on assets | -0.5882% | 4,912 |
| Return on Equity (ROE) | -6.4176% | 4,946 |
| Retained earnings to average equity (ytd only) | -6.7276% | 4,839 |
| Net charge-offs to loans | 1.3488% | 96 |
| Credit loss provision to net charge-offs | 108.6957% | 2,344 |
| Earnings coverage of net charge-offs (x) | 0.4441% | 2,919 |
| Efficiency ratio | 87.8090% | 456 |
| Assets per employee ($millions) | 5.1651% | 2,983 |
| Cash dividends to net income (ytd only)* | -4.8309% | 5,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6737% | 870 |
| Loan loss allowance to noncurrent loans | 53.0831% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 2.0633% | 334 |
| Noncurrent loans to loans | 3.1530% | 289 |
| Net loans and leases to total assets | 64.3443% | 2,839 |
| Net loans and leases to deposits | 72.7205% | 3,189 |
| Net loans and leases to core deposits | 74.4531% | 3,421 |
| Total domestic deposits to total assets | 88.4817% | 953 |
| Equity capital to assets | 9.1466% | 3,965 |
| Core capital (leverage) ratio | 8.7723% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,382,000 | 4,395 |
| Average earning assets | $66,326,000 | 4,369 |
| Average equity | $6,451,000 | 4,634 |
| Average total loans | $47,747,000 | 4,181 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 3,040 |
| Cost of funding earning assets | 0.7953% | 2,424 |
| Net interest margin | 3.4627% | 3,106 |
| Noninterest income to average assets | 0.1498% | 4,620 |
| Noninterest expense to average assets | 3.0886% | 1,670 |
| Loan and lease loss provision to assets | 2.0168% | 69 |
| Net operating income to assets | -1.6941% | 5,032 |
| Return on assets (ROA) | -1.6941% | 5,019 |
| Pretax return on assets | -1.6941% | 5,004 |
| Return on Equity (ROE) | -18.4630% | 5,050 |
| Retained earnings to average equity (ytd only) | -18.4630% | 4,942 |
| Net charge-offs to loans | 1.7598% | 83 |
| Credit loss provision to net charge-offs | 165.8768% | 1,533 |
| Earnings coverage of net charge-offs (x) | 0.2654% | 2,479 |
| Efficiency ratio | 90.5405% | 481 |
| Assets per employee ($millions) | 4.9474% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9192% | 584 |
| Loan loss allowance to noncurrent loans | 73.5941% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.8033% | 504 |
| Noncurrent loans to loans | 2.6078% | 445 |
| Net loans and leases to total assets | 66.6286% | 2,745 |
| Net loans and leases to deposits | 75.2875% | 3,142 |
| Net loans and leases to core deposits | 77.1529% | 3,417 |
| Total domestic deposits to total assets | 88.4989% | 880 |
| Equity capital to assets | 8.9860% | 4,606 |
| Core capital (leverage) ratio | 8.8778% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2281% | 1,835 |
| Memoranda: | ||
| Average total assets | $69,417,500 | 4,422 |
| Average earning assets | $65,382,500 | 4,393 |
| Average equity | $6,369,500 | 4,677 |
| Average total loans | $47,960,500 | 4,191 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 3,356 |
| Cost of funding earning assets | 0.7768% | 2,785 |
| Net interest margin | 3.5862% | 3,179 |
| Noninterest income to average assets | 0.2724% | 4,046 |
| Noninterest expense to average assets | 2.9501% | 2,146 |
| Loan and lease loss provision to assets | 0.3142% | 513 |
| Net operating income to assets | 0.3949% | 4,600 |
| Return on assets (ROA) | 0.3949% | 4,637 |
| Pretax return on assets | 0.3949% | 4,716 |
| Return on Equity (ROE) | 4.3820% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.0226% | 3,519 |
| Net charge-offs to loans | 0.4008% | 483 |
| Credit loss provision to net charge-offs | 109.5477% | 2,272 |
| Earnings coverage of net charge-offs (x) | 2.4724% | 3,413 |
| Efficiency ratio | 80.6223% | 895 |
| Assets per employee ($millions) | 4.6381% | 3,033 |
| Cash dividends to net income (ytd only)* | 31.0219% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 1,059 |
| Loan loss allowance to noncurrent loans | 53.9929% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 2.0928% | 365 |
| Noncurrent loans to loans | 2.8955% | 335 |
| Net loans and leases to total assets | 69.1442% | 2,528 |
| Net loans and leases to deposits | 79.7642% | 2,807 |
| Net loans and leases to core deposits | 82.3124% | 3,096 |
| Total domestic deposits to total assets | 86.6857% | 1,760 |
| Equity capital to assets | 9.3644% | 4,454 |
| Core capital (leverage) ratio | 9.2452% | 4,324 |
| Tier 1 risk-based capital ratio | 13.6419% | 3,437 |
| Total risk-based capital ratio | 14.8970% | 3,351 |
| Memoranda: | ||
| Average total assets | $69,387,400 | 4,440 |
| Average earning assets | $65,528,800 | 4,412 |
| Average equity | $6,252,800 | 4,729 |
| Average total loans | $49,645,600 | 4,193 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3700% | 3,452 |
| Cost of funding earning assets | 0.7657% | 2,892 |
| Net interest margin | 3.6043% | 3,232 |
| Noninterest income to average assets | 0.2865% | 4,017 |
| Noninterest expense to average assets | 3.0130% | 1,941 |
| Loan and lease loss provision to assets | 0.2846% | 526 |
| Net operating income to assets | 0.3922% | 4,735 |
| Return on assets (ROA) | 0.3922% | 4,762 |
| Pretax return on assets | 0.3922% | 4,816 |
| Return on Equity (ROE) | 4.3960% | 4,507 |
| Retained earnings to average equity (ytd only) | 3.9651% | 3,415 |
| Net charge-offs to loans | -0.0107% | 4,392 |
| Credit loss provision to net charge-offs | -3,700.0000% | 4,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6571% | 783 |
| Assets per employee ($millions) | 4.7150% | 2,900 |
| Cash dividends to net income (ytd only)* | 9.8055% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 710 |
| Loan loss allowance to noncurrent loans | 71.4741% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.8819% | 502 |
| Noncurrent loans to loans | 2.4915% | 468 |
| Net loans and leases to total assets | 69.9540% | 2,481 |
| Net loans and leases to deposits | 81.8892% | 2,697 |
| Net loans and leases to core deposits | 85.2194% | 2,971 |
| Total domestic deposits to total assets | 85.4252% | 2,244 |
| Equity capital to assets | 9.1651% | 4,688 |
| Core capital (leverage) ratio | 9.4527% | 4,215 |
| Tier 1 risk-based capital ratio | 13.9887% | 3,338 |
| Total risk-based capital ratio | 15.2468% | 3,252 |
| Memoranda: | ||
| Average total assets | $69,341,250 | 4,493 |
| Average earning assets | $65,475,500 | 4,469 |
| Average equity | $6,187,250 | 4,800 |
| Average total loans | $49,839,750 | 4,237 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 3,511 |
| Cost of funding earning assets | 0.7317% | 2,988 |
| Net interest margin | 3.6092% | 3,224 |
| Noninterest income to average assets | 0.2904% | 4,000 |
| Noninterest expense to average assets | 3.0197% | 1,956 |
| Loan and lease loss provision to assets | 0.1887% | 940 |
| Net operating income to assets | 0.4907% | 4,540 |
| Return on assets (ROA) | 0.4907% | 4,575 |
| Pretax return on assets | 0.4907% | 4,713 |
| Return on Equity (ROE) | 5.5510% | 4,190 |
| Retained earnings to average equity (ytd only) | 4.8941% | 2,822 |
| Net charge-offs to loans | -0.0081% | 4,259 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6327% | 827 |
| Assets per employee ($millions) | 4.9740% | 2,507 |
| Cash dividends to net income (ytd only)* | 11.8343% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 1,010 |
| Loan loss allowance to noncurrent loans | 69.2833% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.7994% | 564 |
| Noncurrent loans to loans | 2.3234% | 556 |
| Net loans and leases to total assets | 71.2735% | 2,329 |
| Net loans and leases to deposits | 83.2961% | 2,572 |
| Net loans and leases to core deposits | 86.9836% | 2,886 |
| Total domestic deposits to total assets | 85.5664% | 2,236 |
| Equity capital to assets | 9.1906% | 4,663 |
| Core capital (leverage) ratio | 9.4536% | 4,197 |
| Tier 1 risk-based capital ratio | 13.8637% | 3,391 |
| Total risk-based capital ratio | 15.1196% | 3,289 |
| Memoranda: | ||
| Average total assets | $68,880,000 | 4,536 |
| Average earning assets | $65,055,330 | 4,508 |
| Average equity | $6,089,000 | 4,841 |
| Average total loans | $49,662,330 | 4,262 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2802% | 3,613 |
| Cost of funding earning assets | 0.6918% | 3,099 |
| Net interest margin | 3.5885% | 3,296 |
| Noninterest income to average assets | 0.2861% | 3,966 |
| Noninterest expense to average assets | 3.1357% | 1,641 |
| Loan and lease loss provision to assets | 0.2044% | 778 |
| Net operating income to assets | 0.3387% | 4,855 |
| Return on assets (ROA) | 0.3387% | 4,864 |
| Pretax return on assets | 0.3387% | 4,915 |
| Return on Equity (ROE) | 3.9100% | 4,593 |
| Retained earnings to average equity (ytd only) | 3.9100% | 3,345 |
| Net charge-offs to loans | -0.1299% | 5,090 |
| Credit loss provision to net charge-offs | -218.7500% | 3,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2381% | 628 |
| Assets per employee ($millions) | 4.6071% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 1,071 |
| Loan loss allowance to noncurrent loans | 81.1417% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.5657% | 743 |
| Noncurrent loans to loans | 1.9662% | 757 |
| Net loans and leases to total assets | 71.0435% | 2,319 |
| Net loans and leases to deposits | 81.5629% | 2,655 |
| Net loans and leases to core deposits | 85.2065% | 2,939 |
| Total domestic deposits to total assets | 87.1026% | 1,754 |
| Equity capital to assets | 8.7661% | 4,847 |
| Core capital (leverage) ratio | 9.3772% | 4,290 |
| Tier 1 risk-based capital ratio | 13.7384% | 3,477 |
| Total risk-based capital ratio | 14.9940% | 3,382 |
| Memoranda: | ||
| Average total assets | $68,502,000 | 4,594 |
| Average earning assets | $64,763,000 | 4,568 |
| Average equity | $5,933,500 | 4,901 |
| Average total loans | $49,271,500 | 4,319 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 3,363 |
| Cost of funding earning assets | 0.5625% | 2,972 |
| Net interest margin | 3.6652% | 3,175 |
| Noninterest income to average assets | 0.3587% | 3,691 |
| Noninterest expense to average assets | 3.1451% | 1,685 |
| Loan and lease loss provision to assets | 0.2773% | 605 |
| Net operating income to assets | 0.3632% | 4,916 |
| Return on assets (ROA) | 0.3632% | 4,910 |
| Pretax return on assets | 0.3632% | 4,974 |
| Return on Equity (ROE) | 4.1853% | 4,663 |
| Retained earnings to average equity (ytd only) | 0.5210% | 4,846 |
| Net charge-offs to loans | 0.1265% | 1,485 |
| Credit loss provision to net charge-offs | 322.8070% | 969 |
| Earnings coverage of net charge-offs (x) | 7.4561% | 2,993 |
| Efficiency ratio | 83.0812% | 704 |
| Assets per employee ($millions) | 4.5265% | 3,127 |
| Cash dividends to net income (ytd only)* | 87.5519% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 1,198 |
| Loan loss allowance to noncurrent loans | 64.3351% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.8248% | 559 |
| Noncurrent loans to loans | 2.3802% | 531 |
| Net loans and leases to total assets | 70.5569% | 2,492 |
| Net loans and leases to deposits | 79.4356% | 3,014 |
| Net loans and leases to core deposits | 80.8349% | 3,362 |
| Total domestic deposits to total assets | 88.8228% | 939 |
| Equity capital to assets | 8.5556% | 4,891 |
| Core capital (leverage) ratio | 9.7429% | 3,865 |
| Tier 1 risk-based capital ratio | 13.8624% | 3,355 |
| Total risk-based capital ratio | 15.1168% | 3,281 |
| Memoranda: | ||
| Average total assets | $66,358,000 | 4,645 |
| Average earning assets | $62,042,200 | 4,631 |
| Average equity | $5,758,200 | 4,937 |
| Average total loans | $45,042,400 | 4,434 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 3,207 |
| Cost of funding earning assets | 0.5577% | 2,806 |
| Net interest margin | 3.6716% | 3,113 |
| Noninterest income to average assets | 0.3415% | 3,860 |
| Noninterest expense to average assets | 3.2032% | 1,513 |
| Loan and lease loss provision to assets | 0.2021% | 860 |
| Net operating income to assets | 0.3557% | 5,021 |
| Return on assets (ROA) | 0.3557% | 5,018 |
| Pretax return on assets | 0.3557% | 5,083 |
| Return on Equity (ROE) | 4.0842% | 4,802 |
| Retained earnings to average equity (ytd only) | 2.2045% | 4,504 |
| Net charge-offs to loans | 0.0030% | 3,366 |
| Credit loss provision to net charge-offs | 10,000.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 276.6842% | 334 |
| Efficiency ratio | 85.1693% | 566 |
| Assets per employee ($millions) | 4.3517% | 3,356 |
| Cash dividends to net income (ytd only)* | 46.0240% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 1,066 |
| Loan loss allowance to noncurrent loans | 65.3005% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.7449% | 690 |
| Noncurrent loans to loans | 2.4616% | 536 |
| Net loans and leases to total assets | 67.2345% | 3,044 |
| Net loans and leases to deposits | 74.7462% | 3,529 |
| Net loans and leases to core deposits | 76.1046% | 3,796 |
| Total domestic deposits to total assets | 89.9504% | 525 |
| Equity capital to assets | 8.7674% | 4,739 |
| Core capital (leverage) ratio | 9.8316% | 3,818 |
| Tier 1 risk-based capital ratio | 14.6790% | 3,028 |
| Total risk-based capital ratio | 15.9341% | 2,952 |
| Memoranda: | ||
| Average total assets | $65,973,250 | 4,702 |
| Average earning assets | $61,442,750 | 4,687 |
| Average equity | $5,745,500 | 4,996 |
| Average total loans | $44,140,250 | 4,498 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 3,220 |
| Cost of funding earning assets | 0.5394% | 2,692 |
| Net interest margin | 3.6260% | 3,217 |
| Noninterest income to average assets | 0.3263% | 4,012 |
| Noninterest expense to average assets | 3.1417% | 1,685 |
| Loan and lease loss provision to assets | 0.2417% | 646 |
| Net operating income to assets | 0.3142% | 5,099 |
| Return on assets (ROA) | 0.3142% | 5,094 |
| Pretax return on assets | 0.3142% | 5,150 |
| Return on Equity (ROE) | 3.6155% | 4,901 |
| Retained earnings to average equity (ytd only) | 1.5296% | 4,631 |
| Net charge-offs to loans | 0.0909% | 1,439 |
| Credit loss provision to net charge-offs | 400.0000% | 813 |
| Earnings coverage of net charge-offs (x) | 9.2000% | 2,410 |
| Efficiency ratio | 84.9673% | 625 |
| Assets per employee ($millions) | 4.4102% | 3,263 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 1,279 |
| Loan loss allowance to noncurrent loans | 96.1702% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.1277% | 1,300 |
| Noncurrent loans to loans | 1.5993% | 1,014 |
| Net loans and leases to total assets | 65.6115% | 3,202 |
| Net loans and leases to deposits | 72.7169% | 3,657 |
| Net loans and leases to core deposits | 74.0102% | 3,877 |
| Total domestic deposits to total assets | 90.2287% | 494 |
| Equity capital to assets | 8.6330% | 4,854 |
| Core capital (leverage) ratio | 9.5514% | 4,063 |
| Tier 1 risk-based capital ratio | 15.1183% | 2,816 |
| Total risk-based capital ratio | 16.3690% | 2,741 |
| Memoranda: | ||
| Average total assets | $66,205,670 | 4,754 |
| Average earning assets | $61,555,330 | 4,737 |
| Average equity | $5,753,000 | 5,040 |
| Average total loans | $43,985,330 | 4,543 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 3,458 |
| Cost of funding earning assets | 0.5364% | 2,500 |
| Net interest margin | 3.5060% | 3,514 |
| Noninterest income to average assets | 0.3322% | 3,930 |
| Noninterest expense to average assets | 3.3458% | 1,259 |
| Loan and lease loss provision to assets | 0.3624% | 328 |
| Net operating income to assets | -0.1389% | 5,431 |
| Return on assets (ROA) | -0.1389% | 5,427 |
| Pretax return on assets | -0.1389% | 5,424 |
| Return on Equity (ROE) | -1.5933% | 5,443 |
| Retained earnings to average equity (ytd only) | -3.4638% | 5,114 |
| Net charge-offs to loans | 0.0728% | 1,393 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 4.6250% | 2,282 |
| Efficiency ratio | 93.7394% | 307 |
| Assets per employee ($millions) | 4.4441% | 3,255 |
| Cash dividends to net income (ytd only)* | -117.3913% | 5,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 1,342 |
| Loan loss allowance to noncurrent loans | 77.3672% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.2991% | 1,141 |
| Noncurrent loans to loans | 1.9806% | 813 |
| Net loans and leases to total assets | 64.5855% | 3,227 |
| Net loans and leases to deposits | 71.4399% | 3,664 |
| Net loans and leases to core deposits | 72.6895% | 3,904 |
| Total domestic deposits to total assets | 90.4053% | 500 |
| Equity capital to assets | 8.4561% | 5,010 |
| Core capital (leverage) ratio | 9.4525% | 4,121 |
| Tier 1 risk-based capital ratio | 14.5279% | 3,105 |
| Total risk-based capital ratio | 15.7826% | 3,010 |
| Memoranda: | ||
| Average total assets | $66,232,000 | 4,808 |
| Average earning assets | $61,153,000 | 4,802 |
| Average equity | $5,774,000 | 5,093 |
| Average total loans | $43,937,000 | 4,595 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 2,854 |
| Cost of funding earning assets | 0.5587% | 1,891 |
| Net interest margin | 3.5974% | 3,177 |
| Noninterest income to average assets | 0.3622% | 3,875 |
| Noninterest expense to average assets | 3.0570% | 1,985 |
| Loan and lease loss provision to assets | 0.4659% | 292 |
| Net operating income to assets | 0.2059% | 5,097 |
| Return on assets (ROA) | 0.1943% | 5,138 |
| Pretax return on assets | 0.1943% | 5,317 |
| Return on Equity (ROE) | 2.2230% | 5,017 |
| Retained earnings to average equity (ytd only) | -0.7354% | 5,148 |
| Net charge-offs to loans | 0.2706% | 964 |
| Credit loss provision to net charge-offs | 268.0672% | 1,042 |
| Earnings coverage of net charge-offs (x) | 3.8655% | 3,540 |
| Efficiency ratio | 81.9820% | 929 |
| Assets per employee ($millions) | 3.8707% | 4,161 |
| Cash dividends to net income (ytd only)* | 133.0827% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 1,771 |
| Loan loss allowance to noncurrent loans | 40.2868% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 2.3312% | 424 |
| Noncurrent loans to loans | 3.4745% | 293 |
| Net loans and leases to total assets | 66.1560% | 3,084 |
| Net loans and leases to deposits | 73.8268% | 3,533 |
| Net loans and leases to core deposits | 75.4690% | 3,779 |
| Total domestic deposits to total assets | 89.6097% | 729 |
| Equity capital to assets | 8.9830% | 4,739 |
| Core capital (leverage) ratio | 9.4096% | 4,149 |
| Tier 1 risk-based capital ratio | 14.7967% | 2,932 |
| Total risk-based capital ratio | 16.0506% | 2,872 |
| Memoranda: | ||
| Average total assets | $68,466,200 | 4,804 |
| Average earning assets | $64,073,600 | 4,785 |
| Average equity | $5,982,800 | 5,104 |
| Average total loans | $43,976,000 | 4,615 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0857% | 3,035 |
| Cost of funding earning assets | 0.5545% | 1,860 |
| Net interest margin | 3.5312% | 3,384 |
| Noninterest income to average assets | 0.3510% | 4,023 |
| Noninterest expense to average assets | 3.0607% | 1,920 |
| Loan and lease loss provision to assets | 0.3954% | 346 |
| Net operating income to assets | 0.1986% | 5,356 |
| Return on assets (ROA) | 0.1832% | 5,379 |
| Pretax return on assets | 0.1832% | 5,401 |
| Return on Equity (ROE) | 2.1107% | 5,293 |
| Retained earnings to average equity (ytd only) | 0.8444% | 5,025 |
| Net charge-offs to loans | 0.3035% | 691 |
| Credit loss provision to net charge-offs | 205.0000% | 1,323 |
| Earnings coverage of net charge-offs (x) | 3.0800% | 3,381 |
| Efficiency ratio | 83.7467% | 773 |
| Assets per employee ($millions) | 3.9930% | 4,005 |
| Cash dividends to net income (ytd only)* | 60.0032% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 3,141 |
| Loan loss allowance to noncurrent loans | 35.8957% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 2.2260% | 539 |
| Noncurrent loans to loans | 3.2326% | 361 |
| Net loans and leases to total assets | 65.6281% | 3,159 |
| Net loans and leases to deposits | 74.8987% | 3,486 |
| Net loans and leases to core deposits | 76.5513% | 3,762 |
| Total domestic deposits to total assets | 87.6225% | 1,566 |
| Equity capital to assets | 9.0732% | 4,847 |
| Core capital (leverage) ratio | 9.2417% | 4,474 |
| Tier 1 risk-based capital ratio | 14.3676% | 3,256 |
| Total risk-based capital ratio | 15.5426% | 3,205 |
| Memoranda: | ||
| Average total assets | $69,132,250 | 4,840 |
| Average earning assets | $64,679,250 | 4,822 |
| Average equity | $6,000,750 | 5,160 |
| Average total loans | $43,932,500 | 4,661 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0531% | 3,001 |
| Cost of funding earning assets | 0.5605% | 1,712 |
| Net interest margin | 3.4926% | 3,428 |
| Noninterest income to average assets | 0.3623% | 3,965 |
| Noninterest expense to average assets | 2.9418% | 2,292 |
| Loan and lease loss provision to assets | 0.3738% | 376 |
| Net operating income to assets | 0.3077% | 5,203 |
| Return on assets (ROA) | 0.2876% | 5,264 |
| Pretax return on assets | 0.2876% | 5,351 |
| Return on Equity (ROE) | 3.3625% | 5,016 |
| Retained earnings to average equity (ytd only) | 1.4459% | 4,668 |
| Net charge-offs to loans | 0.3949% | 518 |
| Credit loss provision to net charge-offs | 151.1628% | 1,510 |
| Earnings coverage of net charge-offs (x) | 2.7558% | 3,132 |
| Efficiency ratio | 81.1905% | 1,089 |
| Assets per employee ($millions) | 4.0446% | 3,882 |
| Cash dividends to net income (ytd only)* | 57.0000% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 3,930 |
| Loan loss allowance to noncurrent loans | 52.9817% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.2682% | 1,313 |
| Noncurrent loans to loans | 1.9541% | 873 |
| Net loans and leases to total assets | 64.2282% | 3,354 |
| Net loans and leases to deposits | 73.0276% | 3,647 |
| Net loans and leases to core deposits | 74.6055% | 3,892 |
| Total domestic deposits to total assets | 87.9505% | 1,480 |
| Equity capital to assets | 8.9691% | 4,932 |
| Core capital (leverage) ratio | 9.1557% | 4,548 |
| Tier 1 risk-based capital ratio | 14.1308% | 3,354 |
| Total risk-based capital ratio | 15.1509% | 3,400 |
| Memoranda: | ||
| Average total assets | $69,549,330 | 4,869 |
| Average earning assets | $64,937,330 | 4,850 |
| Average equity | $5,948,000 | 5,202 |
| Average total loans | $43,552,670 | 4,700 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 2,902 |
| Cost of funding earning assets | 0.5605% | 1,640 |
| Net interest margin | 3.4801% | 3,355 |
| Noninterest income to average assets | 0.3660% | 3,914 |
| Noninterest expense to average assets | 3.1568% | 1,726 |
| Loan and lease loss provision to assets | 0.3145% | 402 |
| Net operating income to assets | 0.1258% | 5,483 |
| Return on assets (ROA) | 0.1258% | 5,491 |
| Pretax return on assets | 0.1258% | 5,501 |
| Return on Equity (ROE) | 1.5072% | 5,424 |
| Retained earnings to average equity (ytd only) | -1.0277% | 5,072 |
| Net charge-offs to loans | 0.4277% | 433 |
| Credit loss provision to net charge-offs | 119.5652% | 1,408 |
| Earnings coverage of net charge-offs (x) | 1.6739% | 2,699 |
| Efficiency ratio | 87.7583% | 676 |
| Assets per employee ($millions) | 4.3879% | 3,356 |
| Cash dividends to net income (ytd only)* | 168.1818% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 4,399 |
| Loan loss allowance to noncurrent loans | 40.0563% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 1.5184% | 1,046 |
| Noncurrent loans to loans | 2.4447% | 648 |
| Net loans and leases to total assets | 61.4996% | 3,598 |
| Net loans and leases to deposits | 67.8137% | 4,008 |
| Net loans and leases to core deposits | 69.5360% | 4,181 |
| Total domestic deposits to total assets | 90.6890% | 395 |
| Equity capital to assets | 8.3781% | 5,315 |
| Core capital (leverage) ratio | 9.0073% | 4,729 |
| Tier 1 risk-based capital ratio | 14.1210% | 3,401 |
| Total risk-based capital ratio | 15.0716% | 3,499 |
| Memoranda: | ||
| Average total assets | $69,945,000 | 4,920 |
| Average earning assets | $64,941,500 | 4,906 |
| Average equity | $5,838,500 | 5,262 |
| Average total loans | $43,017,000 | 4,750 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2226% | 2,412 |
| Cost of funding earning assets | 0.5965% | 1,363 |
| Net interest margin | 3.6262% | 2,977 |
| Noninterest income to average assets | 0.4146% | 3,778 |
| Noninterest expense to average assets | 3.2073% | 1,771 |
| Loan and lease loss provision to assets | 0.4131% | 369 |
| Net operating income to assets | 0.0180% | 5,625 |
| Return on assets (ROA) | 0.0676% | 5,624 |
| Pretax return on assets | 0.0676% | 5,621 |
| Return on Equity (ROE) | 0.7081% | 5,602 |
| Retained earnings to average equity (ytd only) | -1.0542% | 5,450 |
| Net charge-offs to loans | 0.4771% | 518 |
| Credit loss provision to net charge-offs | 133.4951% | 2,029 |
| Earnings coverage of net charge-offs (x) | 1.3932% | 3,993 |
| Efficiency ratio | 88.1503% | 665 |
| Assets per employee ($millions) | 4.0990% | 3,790 |
| Cash dividends to net income (ytd only)* | 248.8889% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 4,410 |
| Loan loss allowance to noncurrent loans | 41.0206% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 1.4623% | 1,156 |
| Noncurrent loans to loans | 2.4016% | 663 |
| Net loans and leases to total assets | 60.2902% | 3,815 |
| Net loans and leases to deposits | 66.4505% | 4,207 |
| Net loans and leases to core deposits | 68.1416% | 4,390 |
| Total domestic deposits to total assets | 90.7294% | 378 |
| Equity capital to assets | 8.3162% | 5,408 |
| Core capital (leverage) ratio | 9.5247% | 4,049 |
| Tier 1 risk-based capital ratio | 14.4487% | 3,214 |
| Total risk-based capital ratio | 15.3988% | 3,303 |
| Memoranda: | ||
| Average total assets | $66,567,200 | 4,997 |
| Average earning assets | $59,181,200 | 5,041 |
| Average equity | $6,355,400 | 5,218 |
| Average total loans | $43,173,400 | 4,781 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 2,249 |
| Cost of funding earning assets | 0.6010% | 1,322 |
| Net interest margin | 3.6725% | 2,821 |
| Noninterest income to average assets | 0.4195% | 3,782 |
| Noninterest expense to average assets | 3.2771% | 1,613 |
| Loan and lease loss provision to assets | 0.4053% | 358 |
| Net operating income to assets | -0.0304% | 5,733 |
| Return on assets (ROA) | 0.0365% | 5,720 |
| Pretax return on assets | 0.0365% | 5,720 |
| Return on Equity (ROE) | 0.3695% | 5,713 |
| Retained earnings to average equity (ytd only) | 0.0616% | 5,326 |
| Net charge-offs to loans | 0.4397% | 487 |
| Credit loss provision to net charge-offs | 139.8601% | 1,869 |
| Earnings coverage of net charge-offs (x) | 1.2937% | 3,712 |
| Efficiency ratio | 89.7336% | 573 |
| Assets per employee ($millions) | 4.5323% | 3,036 |
| Cash dividends to net income (ytd only)* | 83.3333% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 4,679 |
| Loan loss allowance to noncurrent loans | 52.3871% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.1400% | 1,770 |
| Noncurrent loans to loans | 1.8061% | 1,143 |
| Net loans and leases to total assets | 62.5211% | 3,582 |
| Net loans and leases to deposits | 69.8223% | 4,001 |
| Net loans and leases to core deposits | 71.3710% | 4,218 |
| Total domestic deposits to total assets | 89.5433% | 654 |
| Equity capital to assets | 9.4006% | 4,764 |
| Core capital (leverage) ratio | 9.7444% | 3,880 |
| Tier 1 risk-based capital ratio | 14.8801% | 3,108 |
| Total risk-based capital ratio | 15.8201% | 3,188 |
| Memoranda: | ||
| Average total assets | $65,788,250 | 5,058 |
| Average earning assets | $57,906,000 | 5,120 |
| Average equity | $6,495,500 | 5,243 |
| Average total loans | $43,359,250 | 4,806 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 2,269 |
| Cost of funding earning assets | 0.5895% | 1,405 |
| Net interest margin | 3.6774% | 2,793 |
| Noninterest income to average assets | 0.4120% | 3,797 |
| Noninterest expense to average assets | 3.2434% | 1,706 |
| Loan and lease loss provision to assets | 0.4150% | 360 |
| Net operating income to assets | -0.0246% | 5,779 |
| Return on assets (ROA) | 0.0277% | 5,778 |
| Pretax return on assets | 0.0277% | 5,776 |
| Return on Equity (ROE) | 0.2756% | 5,769 |
| Retained earnings to average equity (ytd only) | -0.1838% | 5,322 |
| Net charge-offs to loans | 0.4183% | 547 |
| Credit loss provision to net charge-offs | 148.3516% | 1,603 |
| Earnings coverage of net charge-offs (x) | 1.3956% | 3,414 |
| Efficiency ratio | 89.2555% | 637 |
| Assets per employee ($millions) | 3.6967% | 4,446 |
| Cash dividends to net income (ytd only)* | 166.6667% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 4,963 |
| Loan loss allowance to noncurrent loans | 45.9016% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 1.2834% | 1,582 |
| Noncurrent loans to loans | 1.9591% | 1,023 |
| Net loans and leases to total assets | 64.9234% | 3,236 |
| Net loans and leases to deposits | 72.8352% | 3,716 |
| Net loans and leases to core deposits | 74.4853% | 3,943 |
| Total domestic deposits to total assets | 89.1374% | 856 |
| Equity capital to assets | 9.8392% | 4,402 |
| Core capital (leverage) ratio | 9.8651% | 3,730 |
| Tier 1 risk-based capital ratio | 15.2127% | 2,981 |
| Total risk-based capital ratio | 16.1417% | 3,062 |
| Memoranda: | ||
| Average total assets | $65,056,000 | 5,124 |
| Average earning assets | $56,996,670 | 5,201 |
| Average equity | $6,530,330 | 5,278 |
| Average total loans | $43,508,670 | 4,845 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 2,452 |
| Cost of funding earning assets | 0.5577% | 1,641 |
| Net interest margin | 3.6462% | 2,903 |
| Noninterest income to average assets | 0.3980% | 3,846 |
| Noninterest expense to average assets | 3.2341% | 1,754 |
| Loan and lease loss provision to assets | 0.4665% | 274 |
| Net operating income to assets | -0.1306% | 5,858 |
| Return on assets (ROA) | -0.1306% | 5,877 |
| Pretax return on assets | -0.1306% | 5,874 |
| Return on Equity (ROE) | -1.2879% | 5,880 |
| Retained earnings to average equity (ytd only) | -1.2879% | 5,311 |
| Net charge-offs to loans | 0.3865% | 578 |
| Credit loss provision to net charge-offs | 178.5714% | 1,159 |
| Earnings coverage of net charge-offs (x) | 1.2857% | 2,841 |
| Efficiency ratio | 90.5923% | 635 |
| Assets per employee ($millions) | 4.0599% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8802% | 5,120 |
| Loan loss allowance to noncurrent loans | 58.8598% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 0.9991% | 2,211 |
| Noncurrent loans to loans | 1.4954% | 1,569 |
| Net loans and leases to total assets | 66.2243% | 2,917 |
| Net loans and leases to deposits | 74.4205% | 3,388 |
| Net loans and leases to core deposits | 76.1407% | 3,670 |
| Total domestic deposits to total assets | 88.9867% | 1,108 |
| Equity capital to assets | 10.0450% | 4,025 |
| Core capital (leverage) ratio | 10.0197% | 3,518 |
| Tier 1 risk-based capital ratio | 15.2651% | 3,032 |
| Total risk-based capital ratio | 16.1756% | 3,130 |
| Memoranda: | ||
| Average total assets | $64,314,000 | 5,191 |
| Average earning assets | $55,948,000 | 5,268 |
| Average equity | $6,522,000 | 5,318 |
| Average total loans | $43,467,000 | 4,882 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4087% | 1,871 |
| Cost of funding earning assets | 0.4955% | 2,198 |
| Net interest margin | 3.9132% | 1,983 |
| Noninterest income to average assets | 0.4044% | 4,003 |
| Noninterest expense to average assets | 3.3027% | 1,712 |
| Loan and lease loss provision to assets | 0.4092% | 324 |
| Net operating income to assets | 0.3049% | 5,347 |
| Return on assets (ROA) | 0.3049% | 5,426 |
| Pretax return on assets | 0.3049% | 5,513 |
| Return on Equity (ROE) | 2.8867% | 5,340 |
| Retained earnings to average equity (ytd only) | 0.3646% | 5,368 |
| Net charge-offs to loans | 0.4381% | 631 |
| Credit loss provision to net charge-offs | 134.9206% | 1,941 |
| Earnings coverage of net charge-offs (x) | 2.3545% | 3,924 |
| Efficiency ratio | 82.2213% | 1,379 |
| Assets per employee ($millions) | 3.7453% | 4,380 |
| Cash dividends to net income (ytd only)* | 87.3684% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8017% | 5,406 |
| Loan loss allowance to noncurrent loans | 50.3608% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 1.0884% | 2,020 |
| Noncurrent loans to loans | 1.5919% | 1,443 |
| Net loans and leases to total assets | 67.8263% | 2,726 |
| Net loans and leases to deposits | 76.4012% | 3,205 |
| Net loans and leases to core deposits | 78.1332% | 3,537 |
| Total domestic deposits to total assets | 88.7765% | 1,242 |
| Equity capital to assets | 10.2387% | 3,697 |
| Core capital (leverage) ratio | 10.0868% | 3,393 |
| Tier 1 risk-based capital ratio | 15.1011% | 3,132 |
| Total risk-based capital ratio | 15.9215% | 3,268 |
| Memoranda: | ||
| Average total assets | $62,311,800 | 5,268 |
| Average earning assets | $57,522,600 | 5,253 |
| Average equity | $6,581,800 | 5,329 |
| Average total loans | $43,140,800 | 4,890 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 2,061 |
| Cost of funding earning assets | 0.4821% | 2,386 |
| Net interest margin | 3.8726% | 2,122 |
| Noninterest income to average assets | 0.3980% | 4,099 |
| Noninterest expense to average assets | 3.2810% | 1,739 |
| Loan and lease loss provision to assets | 0.3657% | 358 |
| Net operating income to assets | 0.3808% | 5,233 |
| Return on assets (ROA) | 0.3808% | 5,312 |
| Pretax return on assets | 0.3808% | 5,503 |
| Return on Equity (ROE) | 3.5770% | 5,194 |
| Retained earnings to average equity (ytd only) | 2.6474% | 4,525 |
| Net charge-offs to loans | 0.4739% | 524 |
| Credit loss provision to net charge-offs | 111.1111% | 2,101 |
| Earnings coverage of net charge-offs (x) | 2.2681% | 3,694 |
| Efficiency ratio | 81.4637% | 1,472 |
| Assets per employee ($millions) | 3.6426% | 4,532 |
| Cash dividends to net income (ytd only)* | 25.9884% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6809% | 5,768 |
| Loan loss allowance to noncurrent loans | 46.9484% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.0319% | 2,289 |
| Noncurrent loans to loans | 1.4504% | 1,725 |
| Net loans and leases to total assets | 70.6624% | 2,289 |
| Net loans and leases to deposits | 80.1043% | 2,873 |
| Net loans and leases to core deposits | 81.9895% | 3,250 |
| Total domestic deposits to total assets | 88.2130% | 1,448 |
| Equity capital to assets | 10.7406% | 3,316 |
| Core capital (leverage) ratio | 10.4944% | 3,053 |
| Tier 1 risk-based capital ratio | 14.8760% | 3,358 |
| Total risk-based capital ratio | 15.5593% | 3,594 |
| Memoranda: | ||
| Average total assets | $61,972,250 | 5,341 |
| Average earning assets | $58,081,500 | 5,305 |
| Average equity | $6,597,500 | 5,388 |
| Average total loans | $43,042,500 | 4,949 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3109% | 2,135 |
| Cost of funding earning assets | 0.4710% | 2,506 |
| Net interest margin | 3.8399% | 2,172 |
| Noninterest income to average assets | 0.3807% | 4,227 |
| Noninterest expense to average assets | 3.3135% | 1,661 |
| Loan and lease loss provision to assets | 0.3388% | 399 |
| Net operating income to assets | 0.3323% | 5,351 |
| Return on assets (ROA) | 0.3323% | 5,453 |
| Pretax return on assets | 0.3323% | 5,601 |
| Return on Equity (ROE) | 3.1309% | 5,366 |
| Retained earnings to average equity (ytd only) | 1.7326% | 4,827 |
| Net charge-offs to loans | 0.4215% | 610 |
| Credit loss provision to net charge-offs | 116.6667% | 1,848 |
| Earnings coverage of net charge-offs (x) | 2.3111% | 3,365 |
| Efficiency ratio | 83.1579% | 1,347 |
| Assets per employee ($millions) | 3.6519% | 4,531 |
| Cash dividends to net income (ytd only)* | 44.6602% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6808% | 5,854 |
| Loan loss allowance to noncurrent loans | 48.2982% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 2,541 |
| Noncurrent loans to loans | 1.4095% | 1,909 |
| Net loans and leases to total assets | 70.0288% | 2,310 |
| Net loans and leases to deposits | 80.2303% | 2,758 |
| Net loans and leases to core deposits | 82.1247% | 3,158 |
| Total domestic deposits to total assets | 87.2848% | 2,021 |
| Equity capital to assets | 10.6342% | 3,284 |
| Core capital (leverage) ratio | 10.4005% | 3,084 |
| Tier 1 risk-based capital ratio | 14.9387% | 3,392 |
| Total risk-based capital ratio | 15.6280% | 3,634 |
| Memoranda: | ||
| Average total assets | $61,988,330 | 5,393 |
| Average earning assets | $58,178,000 | 5,364 |
| Average equity | $6,579,670 | 5,437 |
| Average total loans | $42,704,330 | 5,001 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 2,162 |
| Cost of funding earning assets | 0.4610% | 2,670 |
| Net interest margin | 3.8191% | 2,169 |
| Noninterest income to average assets | 0.3745% | 4,204 |
| Noninterest expense to average assets | 3.3064% | 1,709 |
| Loan and lease loss provision to assets | 0.3229% | 426 |
| Net operating income to assets | 0.3293% | 5,309 |
| Return on assets (ROA) | 0.3293% | 5,419 |
| Pretax return on assets | 0.3293% | 5,574 |
| Return on Equity (ROE) | 3.1057% | 5,330 |
| Retained earnings to average equity (ytd only) | 1.5224% | 4,872 |
| Net charge-offs to loans | 0.5122% | 490 |
| Credit loss provision to net charge-offs | 92.5926% | 1,727 |
| Earnings coverage of net charge-offs (x) | 1.8704% | 2,856 |
| Efficiency ratio | 83.5237% | 1,430 |
| Assets per employee ($millions) | 3.6538% | 4,600 |
| Cash dividends to net income (ytd only)* | 50.9804% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6568% | 5,976 |
| Loan loss allowance to noncurrent loans | 47.9381% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 0.9370% | 2,754 |
| Noncurrent loans to loans | 1.3701% | 2,101 |
| Net loans and leases to total assets | 67.9385% | 2,448 |
| Net loans and leases to deposits | 76.7985% | 2,959 |
| Net loans and leases to core deposits | 77.9518% | 3,382 |
| Total domestic deposits to total assets | 88.4633% | 1,561 |
| Equity capital to assets | 10.5933% | 3,434 |
| Core capital (leverage) ratio | 10.3342% | 3,183 |
| Tier 1 risk-based capital ratio | 14.6516% | 3,624 |
| Total risk-based capital ratio | 15.2878% | 3,903 |
| Memoranda: | ||
| Average total assets | $61,941,000 | 5,454 |
| Average earning assets | $58,129,500 | 5,413 |
| Average equity | $6,568,500 | 5,489 |
| Average total loans | $42,169,500 | 5,062 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 2,686 |
| Cost of funding earning assets | 0.4881% | 2,797 |
| Net interest margin | 3.7912% | 2,658 |
| Noninterest income to average assets | 0.4076% | 4,125 |
| Noninterest expense to average assets | 3.3836% | 1,734 |
| Loan and lease loss provision to assets | 0.0866% | 2,741 |
| Net operating income to assets | 0.4580% | 4,978 |
| Return on assets (ROA) | 0.4580% | 5,072 |
| Pretax return on assets | 0.4580% | 5,364 |
| Return on Equity (ROE) | 4.4547% | 4,912 |
| Retained earnings to average equity (ytd only) | 2.0054% | 4,783 |
| Net charge-offs to loans | 0.1599% | 2,430 |
| Credit loss provision to net charge-offs | 87.3016% | 2,697 |
| Earnings coverage of net charge-offs (x) | 5.4921% | 3,408 |
| Efficiency ratio | 86.1378% | 1,154 |
| Assets per employee ($millions) | 3.6334% | 4,657 |
| Cash dividends to net income (ytd only)* | 54.9828% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6761% | 6,034 |
| Loan loss allowance to noncurrent loans | 35.8228% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 1.2790% | 2,208 |
| Noncurrent loans to loans | 1.8872% | 1,496 |
| Net loans and leases to total assets | 67.3126% | 2,680 |
| Net loans and leases to deposits | 76.8777% | 3,103 |
| Net loans and leases to core deposits | 78.0452% | 3,514 |
| Total domestic deposits to total assets | 87.5581% | 1,998 |
| Equity capital to assets | 10.6157% | 3,343 |
| Core capital (leverage) ratio | 10.1195% | 3,406 |
| Tier 1 risk-based capital ratio | 15.0876% | 3,442 |
| Total risk-based capital ratio | 15.7547% | 3,715 |
| Memoranda: | ||
| Average total assets | $63,542,400 | 5,461 |
| Average earning assets | $59,005,400 | 5,428 |
| Average equity | $6,532,400 | 5,513 |
| Average total loans | $39,390,800 | 5,209 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2246% | 2,907 |
| Cost of funding earning assets | 0.4909% | 2,851 |
| Net interest margin | 3.7337% | 2,881 |
| Noninterest income to average assets | 0.4001% | 4,242 |
| Noninterest expense to average assets | 3.3027% | 1,894 |
| Loan and lease loss provision to assets | 0.0521% | 3,333 |
| Net operating income to assets | 0.5001% | 4,872 |
| Return on assets (ROA) | 0.5001% | 4,940 |
| Pretax return on assets | 0.5001% | 5,326 |
| Return on Equity (ROE) | 4.9031% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.4946% | 3,455 |
| Net charge-offs to loans | 0.0585% | 3,380 |
| Credit loss provision to net charge-offs | 147.0588% | 1,604 |
| Earnings coverage of net charge-offs (x) | 15.5854% | 2,041 |
| Efficiency ratio | 85.6757% | 1,213 |
| Assets per employee ($millions) | 4.0226% | 3,826 |
| Cash dividends to net income (ytd only)* | 8.3346% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7295% | 6,042 |
| Loan loss allowance to noncurrent loans | 46.0709% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 1.0084% | 2,939 |
| Noncurrent loans to loans | 1.5834% | 2,056 |
| Net loans and leases to total assets | 63.2184% | 3,306 |
| Net loans and leases to deposits | 74.7749% | 3,330 |
| Net loans and leases to core deposits | 75.9147% | 3,752 |
| Total domestic deposits to total assets | 84.5450% | 3,524 |
| Equity capital to assets | 10.2951% | 3,796 |
| Core capital (leverage) ratio | 10.1378% | 3,489 |
| Tier 1 risk-based capital ratio | 15.0946% | 3,536 |
| Total risk-based capital ratio | 15.7901% | 3,805 |
| Memoranda: | ||
| Average total assets | $63,986,250 | 5,512 |
| Average earning assets | $59,206,750 | 5,478 |
| Average equity | $6,526,250 | 5,567 |
| Average total loans | $38,773,500 | 5,277 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1607% | 3,101 |
| Cost of funding earning assets | 0.4925% | 2,907 |
| Net interest margin | 3.6682% | 3,075 |
| Noninterest income to average assets | 0.3915% | 4,299 |
| Noninterest expense to average assets | 3.3886% | 1,700 |
| Loan and lease loss provision to assets | 0.0157% | 3,949 |
| Net operating income to assets | 0.3696% | 5,329 |
| Return on assets (ROA) | 0.3696% | 5,400 |
| Pretax return on assets | 0.3696% | 5,640 |
| Return on Equity (ROE) | 3.6347% | 5,290 |
| Retained earnings to average equity (ytd only) | 3.0186% | 4,288 |
| Net charge-offs to loans | 0.0210% | 3,792 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 30.7500% | 1,237 |
| Efficiency ratio | 89.7925% | 936 |
| Assets per employee ($millions) | 4.0040% | 3,827 |
| Cash dividends to net income (ytd only)* | 16.9492% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 6,104 |
| Loan loss allowance to noncurrent loans | 66.9725% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 3,949 |
| Noncurrent loans to loans | 1.1092% | 3,007 |
| Net loans and leases to total assets | 60.8985% | 3,581 |
| Net loans and leases to deposits | 69.8462% | 3,840 |
| Net loans and leases to core deposits | 70.8791% | 4,164 |
| Total domestic deposits to total assets | 87.1894% | 2,352 |
| Equity capital to assets | 10.1914% | 3,841 |
| Core capital (leverage) ratio | 9.9727% | 3,652 |
| Tier 1 risk-based capital ratio | 15.3477% | 3,441 |
| Total risk-based capital ratio | 16.0516% | 3,699 |
| Memoranda: | ||
| Average total assets | $63,861,330 | 5,564 |
| Average earning assets | $58,885,000 | 5,536 |
| Average equity | $6,493,000 | 5,602 |
| Average total loans | $38,035,670 | 5,339 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 3,241 |
| Cost of funding earning assets | 0.5000% | 2,911 |
| Net interest margin | 3.6095% | 3,215 |
| Noninterest income to average assets | 0.3890% | 4,283 |
| Noninterest expense to average assets | 3.3814% | 1,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3137% | 5,444 |
| Return on assets (ROA) | 0.3137% | 5,494 |
| Pretax return on assets | 0.3137% | 5,681 |
| Return on Equity (ROE) | 3.0888% | 5,429 |
| Retained earnings to average equity (ytd only) | 3.0888% | 4,266 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5110% | 911 |
| Assets per employee ($millions) | 4.0516% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7714% | 6,157 |
| Loan loss allowance to noncurrent loans | 65.6885% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 4,057 |
| Noncurrent loans to loans | 1.1743% | 3,087 |
| Net loans and leases to total assets | 57.7423% | 3,891 |
| Net loans and leases to deposits | 64.7825% | 4,230 |
| Net loans and leases to core deposits | 65.7036% | 4,516 |
| Total domestic deposits to total assets | 89.1324% | 1,568 |
| Equity capital to assets | 10.0238% | 3,815 |
| Core capital (leverage) ratio | 9.9349% | 3,658 |
| Tier 1 risk-based capital ratio | 15.4737% | 3,450 |
| Total risk-based capital ratio | 16.1863% | 3,698 |
| Memoranda: | ||
| Average total assets | $63,760,000 | 5,626 |
| Average earning assets | $58,401,000 | 5,602 |
| Average equity | $6,475,000 | 5,640 |
| Average total loans | $37,400,500 | 5,413 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 3,912 |
| Cost of funding earning assets | 0.5879% | 2,770 |
| Net interest margin | 3.4647% | 4,040 |
| Noninterest income to average assets | 0.4246% | 4,271 |
| Noninterest expense to average assets | 3.0948% | 2,749 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5091% | 4,694 |
| Return on assets (ROA) | 0.5107% | 4,819 |
| Pretax return on assets | 0.5107% | 5,176 |
| Return on Equity (ROE) | 4.9149% | 4,671 |
| Retained earnings to average equity (ytd only) | 2.6725% | 4,340 |
| Net charge-offs to loans | 0.0902% | 3,944 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 10.6333% | 2,336 |
| Efficiency ratio | 85.8725% | 1,424 |
| Assets per employee ($millions) | 3.9184% | 4,028 |
| Cash dividends to net income (ytd only)* | 45.6250% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7848% | 6,203 |
| Loan loss allowance to noncurrent loans | 141.9512% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 5,282 |
| Noncurrent loans to loans | 0.5529% | 4,606 |
| Net loans and leases to total assets | 58.6771% | 3,922 |
| Net loans and leases to deposits | 67.0990% | 4,174 |
| Net loans and leases to core deposits | 68.1001% | 4,502 |
| Total domestic deposits to total assets | 87.4486% | 2,495 |
| Equity capital to assets | 10.2913% | 3,401 |
| Core capital (leverage) ratio | 9.9986% | 3,583 |
| Tier 1 risk-based capital ratio | 15.7929% | 3,203 |
| Total risk-based capital ratio | 16.5260% | 3,447 |
| Memoranda: | ||
| Average total assets | $62,653,800 | 5,687 |
| Average earning assets | $57,493,400 | 5,666 |
| Average equity | $6,510,800 | 5,691 |
| Average total loans | $33,245,400 | 5,611 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0201% | 4,055 |
| Cost of funding earning assets | 0.6052% | 2,768 |
| Net interest margin | 3.4149% | 4,226 |
| Noninterest income to average assets | 0.4214% | 4,359 |
| Noninterest expense to average assets | 3.0329% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5108% | 4,751 |
| Return on assets (ROA) | 0.5108% | 4,910 |
| Pretax return on assets | 0.5108% | 5,325 |
| Return on Equity (ROE) | 4.9037% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.4951% | 3,475 |
| Net charge-offs to loans | 0.0207% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 47.9745% | 891 |
| Efficiency ratio | 85.5856% | 1,403 |
| Assets per employee ($millions) | 3.9690% | 3,894 |
| Cash dividends to net income (ytd only)* | 8.3346% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 6,051 |
| Loan loss allowance to noncurrent loans | 146.2963% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 5,384 |
| Noncurrent loans to loans | 0.6150% | 4,666 |
| Net loans and leases to total assets | 54.8060% | 4,483 |
| Net loans and leases to deposits | 63.0987% | 4,617 |
| Net loans and leases to core deposits | 64.0380% | 4,896 |
| Total domestic deposits to total assets | 86.8575% | 2,764 |
| Equity capital to assets | 10.1190% | 3,744 |
| Core capital (leverage) ratio | 10.1032% | 3,516 |
| Tier 1 risk-based capital ratio | 16.3292% | 3,019 |
| Total risk-based capital ratio | 17.1463% | 3,198 |
| Memoranda: | ||
| Average total assets | $62,643,750 | 5,749 |
| Average earning assets | $57,276,750 | 5,736 |
| Average equity | $6,525,500 | 5,761 |
| Average total loans | $32,287,250 | 5,710 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 4,206 |
| Cost of funding earning assets | 0.6302% | 2,679 |
| Net interest margin | 3.3448% | 4,404 |
| Noninterest income to average assets | 0.3624% | 4,796 |
| Noninterest expense to average assets | 3.0630% | 2,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3464% | 5,418 |
| Return on assets (ROA) | 0.3464% | 5,595 |
| Pretax return on assets | 0.3464% | 5,759 |
| Return on Equity (ROE) | 3.2934% | 5,504 |
| Retained earnings to average equity (ytd only) | 2.6835% | 4,603 |
| Net charge-offs to loans | 0.0319% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 21.6000% | 1,409 |
| Efficiency ratio | 89.8401% | 1,061 |
| Assets per employee ($millions) | 3.6971% | 4,405 |
| Cash dividends to net income (ytd only)* | 18.5185% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 6,005 |
| Loan loss allowance to noncurrent loans | 644.8980% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 6,266 |
| Noncurrent loans to loans | 0.1466% | 5,956 |
| Net loans and leases to total assets | 52.6683% | 4,781 |
| Net loans and leases to deposits | 60.2293% | 4,953 |
| Net loans and leases to core deposits | 61.1245% | 5,164 |
| Total domestic deposits to total assets | 87.4463% | 2,567 |
| Equity capital to assets | 10.3723% | 3,465 |
| Core capital (leverage) ratio | 9.9241% | 3,627 |
| Tier 1 risk-based capital ratio | 15.9706% | 3,212 |
| Total risk-based capital ratio | 16.7868% | 3,413 |
| Memoranda: | ||
| Average total assets | $62,357,000 | 5,793 |
| Average earning assets | $56,805,330 | 5,781 |
| Average equity | $6,558,670 | 5,792 |
| Average total loans | $31,343,000 | 5,786 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 4,212 |
| Cost of funding earning assets | 0.6580% | 2,583 |
| Net interest margin | 3.3188% | 4,447 |
| Noninterest income to average assets | 0.3478% | 4,898 |
| Noninterest expense to average assets | 3.1363% | 2,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1996% | 5,897 |
| Return on assets (ROA) | 0.1996% | 6,004 |
| Pretax return on assets | 0.1996% | 6,079 |
| Return on Equity (ROE) | 1.8849% | 5,974 |
| Retained earnings to average equity (ytd only) | 1.8849% | 5,052 |
| Net charge-offs to loans | -0.2904% | 6,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0154% | 838 |
| Assets per employee ($millions) | 3.5364% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 5,594 |
| Loan loss allowance to noncurrent loans | 612.5000% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 6,326 |
| Noncurrent loans to loans | 0.1803% | 5,951 |
| Net loans and leases to total assets | 48.2586% | 5,201 |
| Net loans and leases to deposits | 54.2710% | 5,410 |
| Net loans and leases to core deposits | 55.2987% | 5,580 |
| Total domestic deposits to total assets | 88.9215% | 1,724 |
| Equity capital to assets | 10.3213% | 3,772 |
| Core capital (leverage) ratio | 9.8692% | 3,576 |
| Tier 1 risk-based capital ratio | 16.4957% | 3,002 |
| Total risk-based capital ratio | 17.4193% | 3,120 |
| Memoranda: | ||
| Average total assets | $62,110,500 | 5,860 |
| Average earning assets | $55,924,000 | 5,851 |
| Average equity | $6,578,500 | 5,845 |
| Average total loans | $30,305,500 | 5,881 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2595% | 4,368 |
| Cost of funding earning assets | 0.8504% | 2,287 |
| Net interest margin | 3.4091% | 4,850 |
| Noninterest income to average assets | 0.4086% | 4,540 |
| Noninterest expense to average assets | 3.2134% | 2,565 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2354% | 5,682 |
| Return on assets (ROA) | 0.2354% | 5,876 |
| Pretax return on assets | 0.2354% | 5,942 |
| Return on Equity (ROE) | 2.1383% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.8328% | 4,932 |
| Net charge-offs to loans | -0.0501% | 6,707 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1741% | 849 |
| Assets per employee ($millions) | 3.5627% | 4,872 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 5,610 |
| Loan loss allowance to noncurrent loans | 321.0000% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 6,147 |
| Noncurrent loans to loans | 0.3384% | 5,638 |
| Net loans and leases to total assets | 48.2581% | 5,381 |
| Net loans and leases to deposits | 54.6032% | 5,599 |
| Net loans and leases to core deposits | 55.7106% | 5,733 |
| Total domestic deposits to total assets | 88.3796% | 1,977 |
| Equity capital to assets | 10.8757% | 3,097 |
| Core capital (leverage) ratio | 10.1001% | 3,275 |
| Tier 1 risk-based capital ratio | 17.0896% | 2,606 |
| Total risk-based capital ratio | 17.9896% | 2,747 |
| Memoranda: | ||
| Average total assets | $59,470,400 | 5,935 |
| Average earning assets | $53,034,800 | 5,955 |
| Average equity | $6,547,400 | 5,882 |
| Average total loans | $27,943,600 | 6,038 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 4,453 |
| Cost of funding earning assets | 0.8770% | 2,338 |
| Net interest margin | 3.4239% | 4,950 |
| Noninterest income to average assets | 0.4077% | 4,573 |
| Noninterest expense to average assets | 3.1645% | 2,670 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2770% | 5,689 |
| Return on assets (ROA) | 0.2770% | 5,887 |
| Pretax return on assets | 0.2770% | 5,998 |
| Return on Equity (ROE) | 2.5086% | 5,877 |
| Retained earnings to average equity (ytd only) | 2.5086% | 5,068 |
| Net charge-offs to loans | -0.0484% | 6,698 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9503% | 889 |
| Assets per employee ($millions) | 3.4013% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 5,715 |
| Loan loss allowance to noncurrent loans | 153.8835% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 5,854 |
| Noncurrent loans to loans | 0.7159% | 5,002 |
| Net loans and leases to total assets | 46.4825% | 5,711 |
| Net loans and leases to deposits | 52.5725% | 5,935 |
| Net loans and leases to core deposits | 53.6225% | 6,074 |
| Total domestic deposits to total assets | 88.4161% | 1,782 |
| Equity capital to assets | 10.8178% | 3,480 |
| Core capital (leverage) ratio | 10.2314% | 3,254 |
| Tier 1 risk-based capital ratio | 17.3901% | 2,582 |
| Total risk-based capital ratio | 18.2941% | 2,669 |
| Memoranda: | ||
| Average total assets | $59,196,500 | 6,007 |
| Average earning assets | $52,453,000 | 6,041 |
| Average equity | $6,537,500 | 5,950 |
| Average total loans | $27,542,250 | 6,131 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 4,361 |
| Cost of funding earning assets | 0.9059% | 2,350 |
| Net interest margin | 3.4488% | 4,887 |
| Noninterest income to average assets | 0.4101% | 4,580 |
| Noninterest expense to average assets | 3.1066% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3349% | 5,482 |
| Return on assets (ROA) | 0.3349% | 5,700 |
| Pretax return on assets | 0.3349% | 5,878 |
| Return on Equity (ROE) | 3.0112% | 5,691 |
| Retained earnings to average equity (ytd only) | 3.0112% | 4,638 |
| Net charge-offs to loans | -0.0885% | 6,831 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2681% | 1,051 |
| Assets per employee ($millions) | 3.3412% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 5,524 |
| Loan loss allowance to noncurrent loans | 224.6479% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 6,162 |
| Noncurrent loans to loans | 0.5172% | 5,493 |
| Net loans and leases to total assets | 45.1240% | 5,910 |
| Net loans and leases to deposits | 52.5951% | 5,984 |
| Net loans and leases to core deposits | 53.6929% | 6,114 |
| Total domestic deposits to total assets | 85.7950% | 3,460 |
| Equity capital to assets | 10.9526% | 3,166 |
| Core capital (leverage) ratio | 10.2782% | 3,069 |
| Tier 1 risk-based capital ratio | 17.8628% | 2,338 |
| Total risk-based capital ratio | 18.8011% | 2,424 |
| Memoranda: | ||
| Average total assets | $58,521,000 | 6,060 |
| Average earning assets | $51,438,330 | 6,107 |
| Average equity | $6,509,000 | 5,981 |
| Average total loans | $27,131,330 | 6,198 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 4,037 |
| Cost of funding earning assets | 0.9512% | 2,300 |
| Net interest margin | 3.5169% | 4,606 |
| Noninterest income to average assets | 0.4159% | 4,553 |
| Noninterest expense to average assets | 2.9596% | 3,423 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5060% | 4,803 |
| Return on assets (ROA) | 0.5060% | 5,012 |
| Pretax return on assets | 0.5060% | 5,408 |
| Return on Equity (ROE) | 4.5131% | 5,035 |
| Retained earnings to average equity (ytd only) | 4.5131% | 3,874 |
| Net charge-offs to loans | -0.0445% | 6,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4000% | 1,535 |
| Assets per employee ($millions) | 4.5892% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 5,653 |
| Loan loss allowance to noncurrent loans | 210.8844% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 6,250 |
| Noncurrent loans to loans | 0.5525% | 5,557 |
| Net loans and leases to total assets | 44.0731% | 6,001 |
| Net loans and leases to deposits | 49.8285% | 6,157 |
| Net loans and leases to core deposits | 50.8401% | 6,285 |
| Total domestic deposits to total assets | 88.4495% | 2,038 |
| Equity capital to assets | 10.8414% | 3,090 |
| Core capital (leverage) ratio | 10.3918% | 2,883 |
| Tier 1 risk-based capital ratio | 18.1295% | 2,246 |
| Total risk-based capital ratio | 19.0588% | 2,335 |
| Memoranda: | ||
| Average total assets | $57,711,000 | 6,122 |
| Average earning assets | $50,044,000 | 6,193 |
| Average equity | $6,470,000 | 6,019 |
| Average total loans | $26,968,500 | 6,251 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6046% | 4,664 |
| Cost of funding earning assets | 1.0343% | 3,128 |
| Net interest margin | 3.5704% | 4,844 |
| Noninterest income to average assets | 0.4176% | 4,474 |
| Noninterest expense to average assets | 2.8917% | 3,989 |
| Loan and lease loss provision to assets | 0.0407% | 6,066 |
| Net operating income to assets | 0.8148% | 2,978 |
| Return on assets (ROA) | 0.8148% | 3,144 |
| Pretax return on assets | 0.8148% | 3,928 |
| Return on Equity (ROE) | 7.1463% | 3,335 |
| Retained earnings to average equity (ytd only) | 4.6670% | 2,874 |
| Net charge-offs to loans | 0.0853% | 5,468 |
| Credit loss provision to net charge-offs | 95.6522% | 3,772 |
| Earnings coverage of net charge-offs (x) | 20.1304% | 1,145 |
| Efficiency ratio | 77.1696% | 2,718 |
| Assets per employee ($millions) | 4.2894% | 3,277 |
| Cash dividends to net income (ytd only)* | 34.6939% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 5,726 |
| Loan loss allowance to noncurrent loans | 131.1966% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 5,902 |
| Noncurrent loans to loans | 0.8561% | 4,980 |
| Net loans and leases to total assets | 48.4667% | 5,781 |
| Net loans and leases to deposits | 55.2555% | 5,955 |
| Net loans and leases to core deposits | 55.5908% | 6,182 |
| Total domestic deposits to total assets | 87.7139% | 2,326 |
| Equity capital to assets | 11.6065% | 2,418 |
| Core capital (leverage) ratio | 10.8967% | 2,350 |
| Tier 1 risk-based capital ratio | 18.2426% | 2,123 |
| Total risk-based capital ratio | 19.1799% | 2,190 |
| Memoranda: | ||
| Average total assets | $54,120,400 | 6,227 |
| Average earning assets | $50,470,800 | 6,172 |
| Average equity | $6,171,000 | 6,110 |
| Average total loans | $26,971,200 | 6,299 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 4,907 |
| Cost of funding earning assets | 1.0586% | 3,262 |
| Net interest margin | 3.5306% | 5,059 |
| Noninterest income to average assets | 0.4096% | 4,595 |
| Noninterest expense to average assets | 2.8845% | 3,996 |
| Loan and lease loss provision to assets | 0.0546% | 5,763 |
| Net operating income to assets | 0.7820% | 3,243 |
| Return on assets (ROA) | 0.7820% | 3,411 |
| Pretax return on assets | 0.7820% | 4,193 |
| Return on Equity (ROE) | 6.8899% | 3,577 |
| Retained earnings to average equity (ytd only) | 6.0150% | 2,546 |
| Net charge-offs to loans | 0.0645% | 5,322 |
| Credit loss provision to net charge-offs | 169.2308% | 1,786 |
| Earnings coverage of net charge-offs (x) | 25.9273% | 1,033 |
| Efficiency ratio | 77.5183% | 2,604 |
| Assets per employee ($millions) | 4.1977% | 3,446 |
| Cash dividends to net income (ytd only)* | 12.6979% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 5,733 |
| Loan loss allowance to noncurrent loans | 234.8148% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 6,426 |
| Noncurrent loans to loans | 0.4847% | 5,877 |
| Net loans and leases to total assets | 50.4545% | 5,646 |
| Net loans and leases to deposits | 59.0140% | 5,747 |
| Net loans and leases to core deposits | 59.3934% | 6,034 |
| Total domestic deposits to total assets | 85.4957% | 3,498 |
| Equity capital to assets | 11.8124% | 2,403 |
| Core capital (leverage) ratio | 10.9711% | 2,414 |
| Tier 1 risk-based capital ratio | 18.3080% | 2,147 |
| Total risk-based capital ratio | 19.2814% | 2,201 |
| Memoranda: | ||
| Average total assets | $53,710,000 | 6,288 |
| Average earning assets | $50,377,500 | 6,230 |
| Average equity | $6,095,750 | 6,177 |
| Average total loans | $26,880,750 | 6,364 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5718% | 5,093 |
| Cost of funding earning assets | 1.0988% | 3,249 |
| Net interest margin | 3.4730% | 5,278 |
| Noninterest income to average assets | 0.3968% | 4,707 |
| Noninterest expense to average assets | 2.8190% | 4,348 |
| Loan and lease loss provision to assets | 0.0824% | 5,279 |
| Net operating income to assets | 0.7375% | 3,350 |
| Return on assets (ROA) | 0.7375% | 3,472 |
| Pretax return on assets | 0.7375% | 4,256 |
| Return on Equity (ROE) | 6.5897% | 3,653 |
| Retained earnings to average equity (ytd only) | 5.2517% | 2,842 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4691% | 2,791 |
| Assets per employee ($millions) | 4.5044% | 2,824 |
| Cash dividends to net income (ytd only)* | 20.3046% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,466 |
| Loan loss allowance to noncurrent loans | 210.1911% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 6,137 |
| Noncurrent loans to loans | 0.5804% | 5,770 |
| Net loans and leases to total assets | 49.4367% | 5,895 |
| Net loans and leases to deposits | 57.7723% | 5,963 |
| Net loans and leases to core deposits | 58.4586% | 6,238 |
| Total domestic deposits to total assets | 85.5716% | 3,584 |
| Equity capital to assets | 11.4684% | 2,532 |
| Core capital (leverage) ratio | 10.8815% | 2,352 |
| Tier 1 risk-based capital ratio | 18.1660% | 2,118 |
| Total risk-based capital ratio | 19.1918% | 2,147 |
| Memoranda: | ||
| Average total assets | $53,423,330 | 6,354 |
| Average earning assets | $49,871,000 | 6,301 |
| Average equity | $5,979,000 | 6,236 |
| Average total loans | $26,557,670 | 6,449 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 5,053 |
| Cost of funding earning assets | 1.1580% | 3,098 |
| Net interest margin | 3.4171% | 5,361 |
| Noninterest income to average assets | 0.4745% | 4,089 |
| Noninterest expense to average assets | 2.8771% | 4,159 |
| Loan and lease loss provision to assets | 0.1657% | 3,971 |
| Net operating income to assets | 0.5875% | 4,098 |
| Return on assets (ROA) | 0.5875% | 4,166 |
| Pretax return on assets | 0.5875% | 4,734 |
| Return on Equity (ROE) | 5.3161% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.3161% | 2,993 |
| Net charge-offs to loans | -0.0304% | 6,713 |
| Credit loss provision to net charge-offs | -1,100.0000% | 6,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2531% | 2,656 |
| Assets per employee ($millions) | 4.6343% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 5,318 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 5,860 |
| Noncurrent loans to loans | 0.9492% | 5,138 |
| Net loans and leases to total assets | 46.5745% | 6,230 |
| Net loans and leases to deposits | 52.5781% | 6,433 |
| Net loans and leases to core deposits | 52.9955% | 6,624 |
| Total domestic deposits to total assets | 88.5816% | 2,027 |
| Equity capital to assets | 10.7135% | 2,973 |
| Core capital (leverage) ratio | 10.4958% | 2,616 |
| Tier 1 risk-based capital ratio | 18.0181% | 2,105 |
| Total risk-based capital ratio | 19.0560% | 2,143 |
| Memoranda: | ||
| Average total assets | $53,108,500 | 6,409 |
| Average earning assets | $49,048,000 | 6,377 |
| Average equity | $5,869,000 | 6,288 |
| Average total loans | $26,310,500 | 6,511 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9780% | 4,661 |
| Cost of funding earning assets | 1.4101% | 3,200 |
| Net interest margin | 3.5678% | 4,971 |
| Noninterest income to average assets | 0.4036% | 4,882 |
| Noninterest expense to average assets | 2.8269% | 4,489 |
| Loan and lease loss provision to assets | 0.1566% | 5,637 |
| Net operating income to assets | 0.7931% | 2,836 |
| Return on assets (ROA) | 0.8011% | 2,928 |
| Pretax return on assets | 0.8011% | 3,630 |
| Return on Equity (ROE) | 6.8052% | 3,213 |
| Retained earnings to average equity (ytd only) | 3.7011% | 3,271 |
| Net charge-offs to loans | 0.3563% | 4,237 |
| Credit loss provision to net charge-offs | 83.8710% | 5,390 |
| Earnings coverage of net charge-offs (x) | 5.0860% | 2,715 |
| Efficiency ratio | 74.8538% | 3,230 |
| Assets per employee ($millions) | 4.2171% | 3,355 |
| Cash dividends to net income (ytd only)* | 45.6140% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 5,653 |
| Loan loss allowance to noncurrent loans | 166.4865% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 6,059 |
| Noncurrent loans to loans | 0.7011% | 5,647 |
| Net loans and leases to total assets | 51.5364% | 5,986 |
| Net loans and leases to deposits | 59.5515% | 6,110 |
| Net loans and leases to core deposits | 60.4221% | 6,363 |
| Total domestic deposits to total assets | 86.5409% | 3,061 |
| Equity capital to assets | 11.4218% | 2,328 |
| Core capital (leverage) ratio | 11.0955% | 2,087 |
| Tier 1 risk-based capital ratio | 18.2718% | 1,917 |
| Total risk-based capital ratio | 19.2615% | 1,956 |
| Memoranda: | ||
| Average total assets | $49,807,000 | 6,542 |
| Average earning assets | $47,087,400 | 6,473 |
| Average equity | $5,863,200 | 6,407 |
| Average total loans | $26,098,000 | 6,607 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0256% | 4,692 |
| Cost of funding earning assets | 1.4672% | 3,165 |
| Net interest margin | 3.5584% | 5,067 |
| Noninterest income to average assets | 0.3897% | 5,043 |
| Noninterest expense to average assets | 2.7119% | 4,829 |
| Loan and lease loss provision to assets | 0.1478% | 5,560 |
| Net operating income to assets | 0.8869% | 2,662 |
| Return on assets (ROA) | 0.8977% | 2,769 |
| Pretax return on assets | 0.8977% | 3,565 |
| Return on Equity (ROE) | 7.5683% | 3,075 |
| Retained earnings to average equity (ytd only) | 6.6620% | 2,007 |
| Net charge-offs to loans | 0.2203% | 4,622 |
| Credit loss provision to net charge-offs | 127.9070% | 3,176 |
| Earnings coverage of net charge-offs (x) | 8.9538% | 2,086 |
| Efficiency ratio | 72.3816% | 3,633 |
| Assets per employee ($millions) | 4.1608% | 3,519 |
| Cash dividends to net income (ytd only)* | 11.9757% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 5,160 |
| Loan loss allowance to noncurrent loans | 121.3768% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.5528% | 6,045 |
| Noncurrent loans to loans | 1.0388% | 5,170 |
| Net loans and leases to total assets | 52.5396% | 6,035 |
| Net loans and leases to deposits | 60.4921% | 6,272 |
| Net loans and leases to core deposits | 61.3853% | 6,507 |
| Total domestic deposits to total assets | 86.8536% | 2,610 |
| Equity capital to assets | 12.2972% | 1,975 |
| Core capital (leverage) ratio | 11.6016% | 1,870 |
| Tier 1 risk-based capital ratio | 18.5461% | 1,859 |
| Total risk-based capital ratio | 19.6241% | 1,871 |
| Memoranda: | ||
| Average total assets | $49,607,500 | 6,637 |
| Average earning assets | $46,798,750 | 6,566 |
| Average equity | $5,884,000 | 6,487 |
| Average total loans | $26,025,500 | 6,700 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 4,839 |
| Cost of funding earning assets | 1.5116% | 3,190 |
| Net interest margin | 3.5101% | 5,209 |
| Noninterest income to average assets | 0.3636% | 5,229 |
| Noninterest expense to average assets | 2.6182% | 5,251 |
| Loan and lease loss provision to assets | 0.1333% | 5,554 |
| Net operating income to assets | 0.9333% | 2,426 |
| Return on assets (ROA) | 0.9495% | 2,460 |
| Pretax return on assets | 0.9495% | 3,314 |
| Return on Equity (ROE) | 8.1053% | 2,851 |
| Retained earnings to average equity (ytd only) | 6.7257% | 1,957 |
| Net charge-offs to loans | 0.5185% | 2,977 |
| Credit loss provision to net charge-offs | 49.2537% | 5,434 |
| Earnings coverage of net charge-offs (x) | 3.9403% | 3,113 |
| Efficiency ratio | 71.0526% | 3,977 |
| Assets per employee ($millions) | 4.0771% | 3,616 |
| Cash dividends to net income (ytd only)* | 17.0213% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 5,941 |
| Loan loss allowance to noncurrent loans | 94.4444% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.6254% | 5,934 |
| Noncurrent loans to loans | 1.1635% | 5,012 |
| Net loans and leases to total assets | 53.1671% | 6,091 |
| Net loans and leases to deposits | 61.0883% | 6,298 |
| Net loans and leases to core deposits | 62.0012% | 6,549 |
| Total domestic deposits to total assets | 87.0332% | 2,511 |
| Equity capital to assets | 12.1431% | 2,018 |
| Core capital (leverage) ratio | 11.4438% | 1,940 |
| Tier 1 risk-based capital ratio | 18.5693% | 1,814 |
| Total risk-based capital ratio | 19.5168% | 1,853 |
| Memoranda: | ||
| Average total assets | $49,500,000 | 6,668 |
| Average earning assets | $46,836,670 | 6,594 |
| Average equity | $5,798,670 | 6,530 |
| Average total loans | $25,844,670 | 6,753 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9190% | 5,367 |
| Cost of funding earning assets | 1.5890% | 3,025 |
| Net interest margin | 3.3301% | 5,859 |
| Noninterest income to average assets | 0.3214% | 5,578 |
| Noninterest expense to average assets | 2.3460% | 6,264 |
| Loan and lease loss provision to assets | 0.1205% | 5,382 |
| Net operating income to assets | 1.0203% | 2,109 |
| Return on assets (ROA) | 1.0203% | 2,170 |
| Pretax return on assets | 1.0203% | 3,011 |
| Return on Equity (ROE) | 8.8695% | 2,539 |
| Retained earnings to average equity (ytd only) | 8.8695% | 1,434 |
| Net charge-offs to loans | 0.5934% | 2,324 |
| Credit loss provision to net charge-offs | 39.4737% | 4,652 |
| Earnings coverage of net charge-offs (x) | 3.7368% | 2,806 |
| Efficiency ratio | 67.2811% | 4,855 |
| Assets per employee ($millions) | 4.1639% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 5,646 |
| Loan loss allowance to noncurrent loans | 111.1111% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 6,149 |
| Noncurrent loans to loans | 1.0554% | 5,231 |
| Net loans and leases to total assets | 50.5974% | 6,414 |
| Net loans and leases to deposits | 59.1240% | 6,544 |
| Net loans and leases to core deposits | 59.9924% | 6,752 |
| Total domestic deposits to total assets | 85.5785% | 3,372 |
| Equity capital to assets | 11.6177% | 2,284 |
| Core capital (leverage) ratio | 11.1813% | 2,107 |
| Tier 1 risk-based capital ratio | 18.8648% | 1,749 |
| Total risk-based capital ratio | 19.8760% | 1,773 |
| Memoranda: | ||
| Average total assets | $49,787,500 | 6,739 |
| Average earning assets | $47,326,500 | 6,652 |
| Average equity | $5,727,500 | 6,606 |
| Average total loans | $25,616,500 | 6,843 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3523% | 4,930 |
| Cost of funding earning assets | 2.0194% | 2,874 |
| Net interest margin | 3.3329% | 5,612 |
| Noninterest income to average assets | 0.3510% | 5,584 |
| Noninterest expense to average assets | 2.8527% | 4,734 |
| Loan and lease loss provision to assets | 0.6594% | 3,175 |
| Net operating income to assets | -0.0670% | 5,614 |
| Return on assets (ROA) | 0.1643% | 5,080 |
| Pretax return on assets | 0.1643% | 5,081 |
| Return on Equity (ROE) | 1.4365% | 5,111 |
| Retained earnings to average equity (ytd only) | 0.7271% | 4,498 |
| Net charge-offs to loans | 1.2403% | 1,988 |
| Credit loss provision to net charge-offs | 106.5574% | 5,203 |
| Earnings coverage of net charge-offs (x) | 0.9574% | 5,156 |
| Efficiency ratio | 82.8033% | 2,502 |
| Assets per employee ($millions) | 4.1340% | 3,553 |
| Cash dividends to net income (ytd only)* | 49.3827% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 4,995 |
| Loan loss allowance to noncurrent loans | 87.0620% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.7479% | 5,611 |
| Noncurrent loans to loans | 1.4463% | 4,500 |
| Net loans and leases to total assets | 51.0563% | 6,522 |
| Net loans and leases to deposits | 58.4173% | 6,754 |
| Net loans and leases to core deposits | 67.8162% | 6,888 |
| Total domestic deposits to total assets | 87.3992% | 2,266 |
| Equity capital to assets | 11.3893% | 2,401 |
| Core capital (leverage) ratio | 10.6875% | 2,443 |
| Tier 1 risk-based capital ratio | 18.0097% | 1,893 |
| Total risk-based capital ratio | 19.0733% | 1,894 |
| Memoranda: | ||
| Average total assets | $49,286,000 | 6,738 |
| Average earning assets | $45,756,400 | 6,689 |
| Average equity | $5,638,600 | 6,728 |
| Average total loans | $24,591,000 | 6,941 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3711% | 5,090 |
| Cost of funding earning assets | 2.0902% | 2,930 |
| Net interest margin | 3.2809% | 5,712 |
| Noninterest income to average assets | 0.3550% | 5,654 |
| Noninterest expense to average assets | 2.7666% | 5,030 |
| Loan and lease loss provision to assets | 0.7993% | 2,365 |
| Net operating income to assets | -0.1870% | 6,041 |
| Return on assets (ROA) | 0.1219% | 5,464 |
| Pretax return on assets | 0.1219% | 5,478 |
| Return on Equity (ROE) | 1.0646% | 5,476 |
| Retained earnings to average equity (ytd only) | 1.0646% | 4,723 |
| Net charge-offs to loans | 1.7046% | 1,188 |
| Credit loss provision to net charge-offs | 94.8553% | 5,343 |
| Earnings coverage of net charge-offs (x) | 0.7267% | 5,310 |
| Efficiency ratio | 81.8765% | 2,595 |
| Assets per employee ($millions) | 4.1653% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 5,460 |
| Loan loss allowance to noncurrent loans | 70.8642% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.8103% | 5,477 |
| Noncurrent loans to loans | 1.6124% | 4,222 |
| Net loans and leases to total assets | 49.6789% | 6,802 |
| Net loans and leases to deposits | 56.6452% | 7,050 |
| Net loans and leases to core deposits | 64.5279% | 7,221 |
| Total domestic deposits to total assets | 87.7018% | 1,801 |
| Equity capital to assets | 11.2718% | 2,769 |
| Core capital (leverage) ratio | 10.8171% | 2,551 |
| Tier 1 risk-based capital ratio | 18.4799% | 1,866 |
| Total risk-based capital ratio | 19.4489% | 1,879 |
| Memoranda: | ||
| Average total assets | $49,205,500 | 6,796 |
| Average earning assets | $45,352,750 | 6,764 |
| Average equity | $5,635,750 | 6,802 |
| Average total loans | $24,326,000 | 7,015 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4852% | 4,713 |
| Cost of funding earning assets | 2.1950% | 2,818 |
| Net interest margin | 3.2902% | 5,594 |
| Noninterest income to average assets | 0.3718% | 5,537 |
| Noninterest expense to average assets | 2.7704% | 5,089 |
| Loan and lease loss provision to assets | 1.1237% | 1,527 |
| Net operating income to assets | -0.4903% | 6,536 |
| Return on assets (ROA) | -0.4699% | 6,529 |
| Pretax return on assets | -0.4699% | 6,388 |
| Return on Equity (ROE) | -4.0807% | 6,485 |
| Retained earnings to average equity (ytd only) | -4.0807% | 6,151 |
| Net charge-offs to loans | 2.6182% | 643 |
| Credit loss provision to net charge-offs | 87.3016% | 5,001 |
| Earnings coverage of net charge-offs (x) | 0.4921% | 5,210 |
| Efficiency ratio | 81.3926% | 2,820 |
| Assets per employee ($millions) | 4.1850% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 5,601 |
| Loan loss allowance to noncurrent loans | 82.7044% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6332% | 5,831 |
| Noncurrent loans to loans | 1.3296% | 4,555 |
| Net loans and leases to total assets | 47.1008% | 7,115 |
| Net loans and leases to deposits | 53.5728% | 7,303 |
| Net loans and leases to core deposits | 60.8228% | 7,422 |
| Total domestic deposits to total assets | 87.9192% | 1,811 |
| Equity capital to assets | 11.1031% | 2,834 |
| Core capital (leverage) ratio | 10.6534% | 2,698 |
| Tier 1 risk-based capital ratio | 18.0847% | 1,992 |
| Total risk-based capital ratio | 18.9797% | 2,035 |
| Memoranda: | ||
| Average total assets | $48,946,330 | 6,872 |
| Average earning assets | $45,103,000 | 6,832 |
| Average equity | $5,636,330 | 6,853 |
| Average total loans | $24,062,000 | 7,081 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5538% | 4,617 |
| Cost of funding earning assets | 2.3171% | 2,626 |
| Net interest margin | 3.2367% | 5,734 |
| Noninterest income to average assets | 0.2981% | 6,049 |
| Noninterest expense to average assets | 2.4177% | 6,135 |
| Loan and lease loss provision to assets | 2.1528% | 549 |
| Net operating income to assets | -1.3000% | 7,414 |
| Return on assets (ROA) | -1.3000% | 7,429 |
| Pretax return on assets | -1.3000% | 7,300 |
| Return on Equity (ROE) | -11.0827% | 7,431 |
| Retained earnings to average equity (ytd only) | -11.0827% | 7,212 |
| Net charge-offs to loans | 5.2042% | 199 |
| Credit loss provision to net charge-offs | 82.8025% | 4,146 |
| Earnings coverage of net charge-offs (x) | 0.3280% | 4,717 |
| Efficiency ratio | 73.9241% | 3,837 |
| Assets per employee ($millions) | 3.8039% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 5,906 |
| Loan loss allowance to noncurrent loans | 82.6667% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 5,667 |
| Noncurrent loans to loans | 1.2506% | 4,468 |
| Net loans and leases to total assets | 48.0071% | 7,020 |
| Net loans and leases to deposits | 54.7005% | 7,240 |
| Net loans and leases to core deposits | 62.2297% | 7,382 |
| Total domestic deposits to total assets | 87.7636% | 1,862 |
| Equity capital to assets | 11.2030% | 2,808 |
| Core capital (leverage) ratio | 10.6924% | 2,744 |
| Tier 1 risk-based capital ratio | 17.9497% | 2,069 |
| Total risk-based capital ratio | 18.7940% | 2,114 |
| Memoranda: | ||
| Average total assets | $48,309,500 | 6,937 |
| Average earning assets | $44,366,000 | 6,909 |
| Average equity | $5,666,500 | 6,890 |
| Average total loans | $24,134,500 | 7,126 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9578% | 5,766 |
| Cost of funding earning assets | 2.6859% | 3,228 |
| Net interest margin | 3.2720% | 6,133 |
| Noninterest income to average assets | 0.3721% | 5,722 |
| Noninterest expense to average assets | 2.6996% | 5,266 |
| Loan and lease loss provision to assets | 0.0440% | 6,865 |
| Net operating income to assets | 0.7509% | 3,663 |
| Return on assets (ROA) | 0.7509% | 3,499 |
| Pretax return on assets | 0.7509% | 4,241 |
| Return on Equity (ROE) | 6.1834% | 3,872 |
| Retained earnings to average equity (ytd only) | 4.2794% | 2,452 |
| Net charge-offs to loans | 0.3816% | 2,923 |
| Credit loss provision to net charge-offs | 22.2222% | 6,571 |
| Earnings coverage of net charge-offs (x) | 4.0111% | 4,148 |
| Efficiency ratio | 77.2527% | 3,047 |
| Assets per employee ($millions) | 3.9307% | 3,656 |
| Cash dividends to net income (ytd only)* | 30.7918% | 4,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 4,164 |
| Loan loss allowance to noncurrent loans | 90.7186% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 5,108 |
| Noncurrent loans to loans | 1.3756% | 3,769 |
| Net loans and leases to total assets | 50.8353% | 6,948 |
| Net loans and leases to deposits | 58.6446% | 7,169 |
| Net loans and leases to core deposits | 66.8004% | 7,334 |
| Total domestic deposits to total assets | 86.6838% | 2,102 |
| Equity capital to assets | 12.2816% | 2,119 |
| Core capital (leverage) ratio | 11.5989% | 2,192 |
| Tier 1 risk-based capital ratio | 18.5214% | 1,913 |
| Total risk-based capital ratio | 19.5551% | 1,911 |
| Memoranda: | ||
| Average total assets | $45,414,200 | 6,961 |
| Average earning assets | $43,338,000 | 6,878 |
| Average equity | $5,514,800 | 6,973 |
| Average total loans | $23,587,600 | 7,099 |