Home > City National Bank > Performance and Condition Ratios
City National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 2,999 |
| Cost of funding earning assets | 1.1952% | 2,817 |
| Net interest margin | 3.3620% | 2,488 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 3.3769% | 677 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.3741% | 3,920 |
| Return on assets (ROA) | 0.3741% | 3,916 |
| Pretax return on assets | 0.3741% | 4,001 |
| Return on Equity (ROE) | 3.8900% | 3,903 |
| Retained earnings to average equity (ytd only) | 2.3551% | 3,491 |
| Net charge-offs to loans | 0.0218% | 1,894 |
| Credit loss provision to net charge-offs | 60.0000% | 2,148 |
| Earnings coverage of net charge-offs (x) | 25.9000% | 1,721 |
| Efficiency ratio | 89.8152% | 416 |
| Assets per employee ($millions) | 5.0299% | 3,610 |
| Cash dividends to net income (ytd only)* | 39.5257% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 1,883 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.1200% | 2,355 |
| Net loans and leases to deposits | 87.4933% | 1,483 |
| Net loans and leases to core deposits | 98.4056% | 1,525 |
| Total domestic deposits to total assets | 74.4300% | 4,075 |
| Equity capital to assets | 9.4591% | 2,376 |
| Core capital (leverage) ratio | 10.8124% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7414% | 715 |
| Memoranda: | ||
| Average total assets | $67,635,200 | 4,140 |
| Average earning assets | $62,581,800 | 4,112 |
| Average equity | $6,496,600 | 4,115 |
| Average total loans | $45,815,200 | 3,902 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4064% | 3,086 |
| Cost of funding earning assets | 1.0640% | 2,851 |
| Net interest margin | 3.3424% | 2,590 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 3.4219% | 612 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.3685% | 4,011 |
| Return on assets (ROA) | 0.3685% | 4,014 |
| Pretax return on assets | 0.3685% | 4,096 |
| Return on Equity (ROE) | 3.8200% | 4,005 |
| Retained earnings to average equity (ytd only) | 3.8209% | 3,306 |
| Net charge-offs to loans | 0.0058% | 2,239 |
| Credit loss provision to net charge-offs | 300.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 95.5000% | 941 |
| Efficiency ratio | 89.9948% | 376 |
| Assets per employee ($millions) | 4.7061% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 1,877 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 69.4700% | 1,890 |
| Net loans and leases to deposits | 85.2465% | 1,633 |
| Net loans and leases to core deposits | 92.8658% | 1,747 |
| Total domestic deposits to total assets | 81.4900% | 3,310 |
| Equity capital to assets | 9.8490% | 1,912 |
| Core capital (leverage) ratio | 11.0083% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1868% | 681 |
| Memoranda: | ||
| Average total assets | $66,939,250 | 4,157 |
| Average earning assets | $62,907,250 | 4,128 |
| Average equity | $6,455,500 | 4,114 |
| Average total loans | $45,656,250 | 3,914 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 3,211 |
| Cost of funding earning assets | 0.8739% | 3,014 |
| Net interest margin | 3.3656% | 2,605 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 3.3705% | 630 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.4250% | 3,956 |
| Return on assets (ROA) | 0.4250% | 3,960 |
| Pretax return on assets | 0.4250% | 4,080 |
| Return on Equity (ROE) | 4.4400% | 3,961 |
| Retained earnings to average equity (ytd only) | 4.4380% | 3,097 |
| Net charge-offs to loans | 0.0176% | 1,559 |
| Credit loss provision to net charge-offs | 150.0000% | 1,198 |
| Earnings coverage of net charge-offs (x) | 37.2500% | 1,441 |
| Efficiency ratio | 88.3866% | 411 |
| Assets per employee ($millions) | 5.2542% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 1,983 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 67.4100% | 2,022 |
| Net loans and leases to deposits | 81.9942% | 1,826 |
| Net loans and leases to core deposits | 87.2307% | 1,989 |
| Total domestic deposits to total assets | 82.2100% | 3,190 |
| Equity capital to assets | 9.5835% | 2,102 |
| Core capital (leverage) ratio | 10.8480% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7241% | 852 |
| Memoranda: | ||
| Average total assets | $67,290,667 | 4,173 |
| Average earning assets | $63,168,333 | 4,147 |
| Average equity | $6,444,333 | 4,145 |
| Average total loans | $45,418,333 | 3,931 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 3,179 |
| Cost of funding earning assets | 0.7809% | 2,799 |
| Net interest margin | 3.3520% | 2,745 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 3.4679% | 565 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.3534% | 4,168 |
| Return on assets (ROA) | 0.3534% | 4,123 |
| Pretax return on assets | 0.3534% | 4,199 |
| Return on Equity (ROE) | 3.6900% | 4,089 |
| Retained earnings to average equity (ytd only) | 3.6912% | 3,352 |
| Net charge-offs to loans | 0.0446% | 910 |
| Credit loss provision to net charge-offs | 40.0000% | 1,318 |
| Earnings coverage of net charge-offs (x) | 12.2000% | 1,616 |
| Efficiency ratio | 90.4688% | 346 |
| Assets per employee ($millions) | 4.7052% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 1,933 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 67.3600% | 1,917 |
| Net loans and leases to deposits | 82.2428% | 1,635 |
| Net loans and leases to core deposits | 86.3582% | 1,843 |
| Total domestic deposits to total assets | 81.9000% | 3,499 |
| Equity capital to assets | 9.8128% | 1,922 |
| Core capital (leverage) ratio | 10.7330% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1372% | 733 |
| Memoranda: | ||
| Average total assets | $66,783,500 | 4,235 |
| Average earning assets | $63,006,500 | 4,204 |
| Average equity | $6,393,500 | 4,205 |
| Average total loans | $44,806,000 | 3,984 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8870% | 2,016 |
| Cost of funding earning assets | 0.2226% | 3,577 |
| Net interest margin | 3.6644% | 1,462 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 3.2233% | 693 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7466% | 3,491 |
| Return on assets (ROA) | 0.7466% | 3,432 |
| Pretax return on assets | 0.7466% | 3,751 |
| Return on Equity (ROE) | 7.7000% | 3,463 |
| Retained earnings to average equity (ytd only) | 4.9335% | 3,081 |
| Net charge-offs to loans | 0.0208% | 1,672 |
| Credit loss provision to net charge-offs | 233.3333% | 1,030 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 1,275 |
| Efficiency ratio | 80.5587% | 674 |
| Assets per employee ($millions) | 4.8353% | 3,792 |
| Cash dividends to net income (ytd only)* | 35.9281% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 1,722 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 65.0700% | 2,132 |
| Net loans and leases to deposits | 81.8876% | 1,625 |
| Net loans and leases to core deposits | 85.9845% | 1,753 |
| Total domestic deposits to total assets | 79.4600% | 3,946 |
| Equity capital to assets | 9.3406% | 2,119 |
| Core capital (leverage) ratio | 10.2124% | 2,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8467% | 737 |
| Memoranda: | ||
| Average total assets | $67,105,800 | 4,256 |
| Average earning assets | $63,339,600 | 4,224 |
| Average equity | $6,506,600 | 4,270 |
| Average total loans | $43,353,800 | 4,005 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7445% | 1,908 |
| Cost of funding earning assets | 0.1645% | 3,687 |
| Net interest margin | 3.5800% | 1,440 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 3.2059% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7149% | 3,525 |
| Return on assets (ROA) | 0.7149% | 3,473 |
| Pretax return on assets | 0.7149% | 3,769 |
| Return on Equity (ROE) | 7.3000% | 3,524 |
| Retained earnings to average equity (ytd only) | 7.3049% | 2,265 |
| Net charge-offs to loans | 0.0310% | 1,217 |
| Credit loss provision to net charge-offs | 10.0000% | 1,661 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,432 |
| Efficiency ratio | 81.7259% | 668 |
| Assets per employee ($millions) | 5.4748% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 1,936 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 60.5500% | 2,442 |
| Net loans and leases to deposits | 70.3137% | 2,334 |
| Net loans and leases to core deposits | 76.6696% | 2,150 |
| Total domestic deposits to total assets | 86.1200% | 3,037 |
| Equity capital to assets | 8.9558% | 2,243 |
| Core capital (leverage) ratio | 10.3776% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0681% | 853 |
| Memoranda: | ||
| Average total assets | $66,958,750 | 4,288 |
| Average earning assets | $63,201,750 | 4,258 |
| Average equity | $6,552,500 | 4,307 |
| Average total loans | $43,030,500 | 4,034 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6839% | 1,575 |
| Cost of funding earning assets | 0.1619% | 3,418 |
| Net interest margin | 3.5221% | 1,260 |
| Noninterest income to average assets | 0.5583% | 1,909 |
| Noninterest expense to average assets | 3.2675% | 573 |
| Loan and lease loss provision to assets | 0.0031% | 2,553 |
| Net operating income to assets | 0.6071% | 3,609 |
| Return on assets (ROA) | 0.6071% | 3,555 |
| Pretax return on assets | 0.6071% | 3,803 |
| Return on Equity (ROE) | 6.0194% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.0194% | 2,330 |
| Net charge-offs to loans | 0.0187% | 1,365 |
| Credit loss provision to net charge-offs | 25.0000% | 1,585 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 1,158 |
| Efficiency ratio | 84.2644% | 670 |
| Assets per employee ($millions) | 4.8271% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 2,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 65.3167% | 1,777 |
| Net loans and leases to deposits | 76.3963% | 1,658 |
| Net loans and leases to core deposits | 85.0534% | 1,392 |
| Total domestic deposits to total assets | 85.4972% | 3,370 |
| Equity capital to assets | 9.4333% | 2,073 |
| Core capital (leverage) ratio | 10.3580% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7382% | 750 |
| Memoranda: | ||
| Average total assets | $65,554,333 | 4,344 |
| Average earning assets | $61,782,000 | 4,327 |
| Average equity | $6,612,000 | 4,353 |
| Average total loans | $42,816,333 | 4,090 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6684% | 1,345 |
| Cost of funding earning assets | 0.1709% | 3,207 |
| Net interest margin | 3.4975% | 1,096 |
| Noninterest income to average assets | 0.5392% | 1,952 |
| Noninterest expense to average assets | 3.2785% | 551 |
| Loan and lease loss provision to assets | 0.0062% | 2,200 |
| Net operating income to assets | 0.5516% | 3,551 |
| Return on assets (ROA) | 0.5516% | 3,527 |
| Pretax return on assets | 0.5516% | 3,747 |
| Return on Equity (ROE) | 5.2894% | 3,545 |
| Retained earnings to average equity (ytd only) | 5.2894% | 2,481 |
| Net charge-offs to loans | 0.0287% | 1,029 |
| Credit loss provision to net charge-offs | 33.3333% | 1,251 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,132 |
| Efficiency ratio | 85.4604% | 769 |
| Assets per employee ($millions) | 4.7005% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 2,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.5813% | 1,546 |
| Net loans and leases to deposits | 76.1508% | 1,429 |
| Net loans and leases to core deposits | 83.7765% | 1,252 |
| Total domestic deposits to total assets | 84.8071% | 3,586 |
| Equity capital to assets | 10.0263% | 1,870 |
| Core capital (leverage) ratio | 10.7066% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6008% | 812 |
| Memoranda: | ||
| Average total assets | $64,541,500 | 4,386 |
| Average earning assets | $60,843,500 | 4,360 |
| Average equity | $6,730,500 | 4,388 |
| Average total loans | $41,862,500 | 4,123 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 1,313 |
| Cost of funding earning assets | 0.2647% | 2,760 |
| Net interest margin | 3.7570% | 1,090 |
| Noninterest income to average assets | 0.6694% | 1,871 |
| Noninterest expense to average assets | 3.6280% | 417 |
| Loan and lease loss provision to assets | 0.0585% | 1,891 |
| Net operating income to assets | 0.5118% | 4,063 |
| Return on assets (ROA) | 0.5118% | 4,110 |
| Pretax return on assets | 0.5118% | 4,240 |
| Return on Equity (ROE) | 5.2130% | 3,950 |
| Retained earnings to average equity (ytd only) | 3.4257% | 3,441 |
| Net charge-offs to loans | 0.0051% | 2,409 |
| Credit loss provision to net charge-offs | 1,800.0000% | 335 |
| Earnings coverage of net charge-offs (x) | 175.5000% | 589 |
| Efficiency ratio | 86.4164% | 450 |
| Assets per employee ($millions) | 4.5197% | 4,100 |
| Cash dividends to net income (ytd only)* | 34.2857% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 1,760 |
| Loan loss allowance to noncurrent loans | 2,547.8261% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 3,766 |
| Noncurrent loans to loans | 0.0566% | 3,672 |
| Net loans and leases to total assets | 63.3036% | 1,786 |
| Net loans and leases to deposits | 73.3586% | 1,784 |
| Net loans and leases to core deposits | 79.6611% | 1,625 |
| Total domestic deposits to total assets | 86.2934% | 2,802 |
| Equity capital to assets | 10.8461% | 1,907 |
| Core capital (leverage) ratio | 10.7993% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3129% | 717 |
| Memoranda: | ||
| Average total assets | $61,549,200 | 4,437 |
| Average earning assets | $57,812,000 | 4,416 |
| Average equity | $6,042,600 | 4,526 |
| Average total loans | $39,373,800 | 4,204 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9845% | 1,576 |
| Cost of funding earning assets | 0.2883% | 2,704 |
| Net interest margin | 3.6962% | 1,339 |
| Noninterest income to average assets | 0.5454% | 2,432 |
| Noninterest expense to average assets | 3.4621% | 479 |
| Loan and lease loss provision to assets | 0.0524% | 1,943 |
| Net operating income to assets | 0.4996% | 4,207 |
| Return on assets (ROA) | 0.4996% | 4,250 |
| Pretax return on assets | 0.4996% | 4,373 |
| Return on Equity (ROE) | 5.2304% | 4,080 |
| Retained earnings to average equity (ytd only) | 5.2304% | 3,127 |
| Net charge-offs to loans | -0.0034% | 3,334 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2500% | 423 |
| Assets per employee ($millions) | 3.9772% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 1,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 58.8607% | 2,387 |
| Net loans and leases to deposits | 66.5222% | 2,583 |
| Net loans and leases to core deposits | 73.1163% | 2,311 |
| Total domestic deposits to total assets | 88.4828% | 1,572 |
| Equity capital to assets | 9.3361% | 3,520 |
| Core capital (leverage) ratio | 9.3656% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5824% | 1,030 |
| Memoranda: | ||
| Average total assets | $61,117,500 | 4,500 |
| Average earning assets | $57,354,250 | 4,478 |
| Average equity | $5,837,500 | 4,612 |
| Average total loans | $39,056,750 | 4,274 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0485% | 1,456 |
| Cost of funding earning assets | 0.3150% | 2,643 |
| Net interest margin | 3.7336% | 1,260 |
| Noninterest income to average assets | 0.6039% | 2,200 |
| Noninterest expense to average assets | 3.4573% | 499 |
| Loan and lease loss provision to assets | 0.0796% | 1,522 |
| Net operating income to assets | 0.5674% | 4,053 |
| Return on assets (ROA) | 0.5674% | 4,104 |
| Pretax return on assets | 0.5674% | 4,280 |
| Return on Equity (ROE) | 5.8935% | 3,926 |
| Retained earnings to average equity (ytd only) | 5.8935% | 2,844 |
| Net charge-offs to loans | -0.0051% | 3,442 |
| Credit loss provision to net charge-offs | -2,400.0000% | 3,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2361% | 536 |
| Assets per employee ($millions) | 4.1731% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 1,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 60.8464% | 2,324 |
| Net loans and leases to deposits | 68.7819% | 2,539 |
| Net loans and leases to core deposits | 76.5757% | 2,186 |
| Total domestic deposits to total assets | 88.4627% | 1,585 |
| Equity capital to assets | 9.3663% | 3,455 |
| Core capital (leverage) ratio | 9.1951% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2559% | 1,071 |
| Memoranda: | ||
| Average total assets | $60,278,333 | 4,538 |
| Average earning assets | $56,514,333 | 4,515 |
| Average equity | $5,803,000 | 4,642 |
| Average total loans | $39,398,000 | 4,294 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1399% | 1,300 |
| Cost of funding earning assets | 0.3402% | 2,614 |
| Net interest margin | 3.7997% | 1,140 |
| Noninterest income to average assets | 0.7916% | 1,600 |
| Noninterest expense to average assets | 3.4168% | 517 |
| Loan and lease loss provision to assets | 0.1624% | 775 |
| Net operating income to assets | 0.7646% | 3,535 |
| Return on assets (ROA) | 0.7646% | 3,603 |
| Pretax return on assets | 0.7646% | 3,878 |
| Return on Equity (ROE) | 7.8296% | 3,380 |
| Retained earnings to average equity (ytd only) | 7.8296% | 2,306 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6604% | 916 |
| Assets per employee ($millions) | 4.0037% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 1,862 |
| Loan loss allowance to noncurrent loans | 2,215.3846% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 4,069 |
| Noncurrent loans to loans | 0.0643% | 3,967 |
| Net loans and leases to total assets | 66.4163% | 1,744 |
| Net loans and leases to deposits | 75.3495% | 1,979 |
| Net loans and leases to core deposits | 84.3277% | 1,652 |
| Total domestic deposits to total assets | 88.1444% | 1,767 |
| Equity capital to assets | 9.6843% | 3,021 |
| Core capital (leverage) ratio | 9.9074% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0730% | 1,277 |
| Memoranda: | ||
| Average total assets | $59,119,000 | 4,567 |
| Average earning assets | $55,267,000 | 4,545 |
| Average equity | $5,773,000 | 4,664 |
| Average total loans | $39,764,000 | 4,308 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 1,282 |
| Cost of funding earning assets | 0.5676% | 2,519 |
| Net interest margin | 3.9431% | 1,107 |
| Noninterest income to average assets | 0.5021% | 2,624 |
| Noninterest expense to average assets | 3.6515% | 564 |
| Loan and lease loss provision to assets | 0.0461% | 3,822 |
| Net operating income to assets | 0.5021% | 4,027 |
| Return on assets (ROA) | 0.5021% | 4,112 |
| Pretax return on assets | 0.5021% | 4,266 |
| Return on Equity (ROE) | 5.0277% | 3,895 |
| Retained earnings to average equity (ytd only) | 3.2511% | 3,201 |
| Net charge-offs to loans | 0.0153% | 2,803 |
| Credit loss provision to net charge-offs | 433.3333% | 1,362 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 1,169 |
| Efficiency ratio | 86.9455% | 490 |
| Assets per employee ($millions) | 3.8788% | 4,452 |
| Cash dividends to net income (ytd only)* | 35.3357% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 1,922 |
| Loan loss allowance to noncurrent loans | 7,885.7143% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 3,803 |
| Noncurrent loans to loans | 0.0179% | 4,276 |
| Net loans and leases to total assets | 66.1940% | 2,077 |
| Net loans and leases to deposits | 75.6239% | 2,317 |
| Net loans and leases to core deposits | 85.5065% | 1,907 |
| Total domestic deposits to total assets | 87.5305% | 1,693 |
| Equity capital to assets | 9.8484% | 3,264 |
| Core capital (leverage) ratio | 9.5998% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,361,000 | 4,565 |
| Average earning assets | $52,851,800 | 4,544 |
| Average equity | $5,628,800 | 4,684 |
| Average total loans | $39,134,400 | 4,323 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5145% | 1,534 |
| Cost of funding earning assets | 0.6123% | 2,531 |
| Net interest margin | 3.9023% | 1,347 |
| Noninterest income to average assets | 0.5056% | 2,596 |
| Noninterest expense to average assets | 3.6179% | 600 |
| Loan and lease loss provision to assets | 0.0197% | 4,090 |
| Net operating income to assets | 0.5318% | 3,954 |
| Return on assets (ROA) | 0.5318% | 4,045 |
| Pretax return on assets | 0.5318% | 4,222 |
| Return on Equity (ROE) | 5.3061% | 3,791 |
| Retained earnings to average equity (ytd only) | 5.3061% | 2,428 |
| Net charge-offs to loans | 0.0102% | 2,737 |
| Credit loss provision to net charge-offs | 266.6667% | 1,867 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 943 |
| Efficiency ratio | 86.7849% | 467 |
| Assets per employee ($millions) | 3.9258% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 1,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 3,991 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 64.9719% | 2,642 |
| Net loans and leases to deposits | 73.9424% | 2,961 |
| Net loans and leases to core deposits | 84.3103% | 2,446 |
| Total domestic deposits to total assets | 87.8683% | 1,278 |
| Equity capital to assets | 9.7967% | 3,432 |
| Core capital (leverage) ratio | 9.4363% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,905,750 | 4,586 |
| Average earning assets | $52,481,000 | 4,570 |
| Average equity | $5,603,500 | 4,707 |
| Average total loans | $39,151,750 | 4,350 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 1,729 |
| Cost of funding earning assets | 0.6484% | 2,704 |
| Net interest margin | 3.9216% | 1,522 |
| Noninterest income to average assets | 0.5318% | 2,428 |
| Noninterest expense to average assets | 3.6895% | 588 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5208% | 3,951 |
| Return on assets (ROA) | 0.5208% | 4,041 |
| Pretax return on assets | 0.5208% | 4,217 |
| Return on Equity (ROE) | 5.1547% | 3,788 |
| Retained earnings to average equity (ytd only) | 5.1547% | 2,398 |
| Net charge-offs to loans | 0.0051% | 2,785 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 143.0000% | 550 |
| Efficiency ratio | 87.6298% | 469 |
| Assets per employee ($millions) | 3.9321% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 1,730 |
| Loan loss allowance to noncurrent loans | 1,041.1765% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 4,094 |
| Noncurrent loans to loans | 0.1304% | 3,935 |
| Net loans and leases to total assets | 65.3945% | 2,706 |
| Net loans and leases to deposits | 74.2035% | 3,059 |
| Net loans and leases to core deposits | 85.5290% | 2,482 |
| Total domestic deposits to total assets | 88.1286% | 1,114 |
| Equity capital to assets | 9.5826% | 3,579 |
| Core capital (leverage) ratio | 9.7565% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0301% | 1,053 |
| Memoranda: | ||
| Average total assets | $54,912,000 | 4,614 |
| Average earning assets | $51,510,000 | 4,598 |
| Average equity | $5,548,333 | 4,738 |
| Average total loans | $39,270,000 | 4,365 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7453% | 1,569 |
| Cost of funding earning assets | 0.6871% | 2,984 |
| Net interest margin | 4.0581% | 1,226 |
| Noninterest income to average assets | 0.6203% | 1,950 |
| Noninterest expense to average assets | 3.8051% | 620 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6127% | 3,562 |
| Return on assets (ROA) | 0.6127% | 3,622 |
| Pretax return on assets | 0.6127% | 3,899 |
| Return on Equity (ROE) | 5.8947% | 3,356 |
| Retained earnings to average equity (ytd only) | 5.8947% | 1,919 |
| Net charge-offs to loans | 0.0102% | 2,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 665 |
| Efficiency ratio | 86.1301% | 696 |
| Assets per employee ($millions) | 3.5797% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 1,909 |
| Loan loss allowance to noncurrent loans | 1,041.1765% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 4,146 |
| Noncurrent loans to loans | 0.1297% | 3,997 |
| Net loans and leases to total assets | 72.2456% | 1,880 |
| Net loans and leases to deposits | 82.9052% | 2,345 |
| Net loans and leases to core deposits | 90.9225% | 2,261 |
| Total domestic deposits to total assets | 87.1424% | 1,496 |
| Equity capital to assets | 10.3713% | 3,455 |
| Core capital (leverage) ratio | 10.4754% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3662% | 1,091 |
| Memoranda: | ||
| Average total assets | $52,877,000 | 4,669 |
| Average earning assets | $49,481,000 | 4,647 |
| Average equity | $5,496,500 | 4,784 |
| Average total loans | $39,354,000 | 4,390 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 1,674 |
| Cost of funding earning assets | 0.6404% | 3,456 |
| Net interest margin | 4.2871% | 1,118 |
| Noninterest income to average assets | 0.6754% | 1,899 |
| Noninterest expense to average assets | 3.9403% | 570 |
| Loan and lease loss provision to assets | 0.0200% | 3,619 |
| Net operating income to assets | 0.7135% | 3,828 |
| Return on assets (ROA) | 0.7135% | 3,887 |
| Pretax return on assets | 0.7135% | 4,177 |
| Return on Equity (ROE) | 6.5753% | 3,718 |
| Retained earnings to average equity (ytd only) | 2.6043% | 3,730 |
| Net charge-offs to loans | 0.0191% | 3,046 |
| Credit loss provision to net charge-offs | 142.8571% | 1,797 |
| Earnings coverage of net charge-offs (x) | 52.2857% | 1,094 |
| Efficiency ratio | 84.3053% | 641 |
| Assets per employee ($millions) | 3.4705% | 4,501 |
| Cash dividends to net income (ytd only)* | 60.3933% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 1,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.6321% | 1,641 |
| Net loans and leases to deposits | 86.1082% | 2,076 |
| Net loans and leases to core deposits | 94.1479% | 2,049 |
| Total domestic deposits to total assets | 86.6726% | 1,769 |
| Equity capital to assets | 10.4191% | 3,519 |
| Core capital (leverage) ratio | 10.4688% | 2,983 |
| Tier 1 risk-based capital ratio | 17.4839% | 1,898 |
| Total risk-based capital ratio | 18.7371% | 1,852 |
| Memoranda: | ||
| Average total assets | $49,894,600 | 4,749 |
| Average earning assets | $46,535,400 | 4,738 |
| Average equity | $5,414,200 | 4,836 |
| Average total loans | $36,699,200 | 4,484 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8469% | 1,981 |
| Cost of funding earning assets | 0.6124% | 3,633 |
| Net interest margin | 4.2345% | 1,296 |
| Noninterest income to average assets | 0.6619% | 1,941 |
| Noninterest expense to average assets | 3.8848% | 601 |
| Loan and lease loss provision to assets | 0.0135% | 3,631 |
| Net operating income to assets | 0.7051% | 3,994 |
| Return on assets (ROA) | 0.7051% | 4,064 |
| Pretax return on assets | 0.7051% | 4,331 |
| Return on Equity (ROE) | 6.4303% | 3,906 |
| Retained earnings to average equity (ytd only) | 6.4303% | 2,152 |
| Net charge-offs to loans | 0.0296% | 2,492 |
| Credit loss provision to net charge-offs | 62.5000% | 2,687 |
| Earnings coverage of net charge-offs (x) | 33.2390% | 1,533 |
| Efficiency ratio | 84.3897% | 589 |
| Assets per employee ($millions) | 3.3645% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 1,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 71.5582% | 2,243 |
| Net loans and leases to deposits | 82.9120% | 2,581 |
| Net loans and leases to core deposits | 88.2185% | 2,710 |
| Total domestic deposits to total assets | 86.3062% | 1,863 |
| Equity capital to assets | 11.0109% | 3,096 |
| Core capital (leverage) ratio | 11.0357% | 2,613 |
| Tier 1 risk-based capital ratio | 18.4681% | 1,694 |
| Total risk-based capital ratio | 19.7230% | 1,658 |
| Memoranda: | ||
| Average total assets | $49,353,750 | 4,828 |
| Average earning assets | $45,938,750 | 4,817 |
| Average equity | $5,411,750 | 4,902 |
| Average total loans | $36,028,000 | 4,558 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 2,061 |
| Cost of funding earning assets | 0.5829% | 3,736 |
| Net interest margin | 4.2164% | 1,324 |
| Noninterest income to average assets | 0.6819% | 1,791 |
| Noninterest expense to average assets | 3.9157% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6941% | 4,022 |
| Return on assets (ROA) | 0.6941% | 4,082 |
| Pretax return on assets | 0.6941% | 4,343 |
| Return on Equity (ROE) | 6.3393% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.3393% | 2,121 |
| Net charge-offs to loans | 0.0335% | 2,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 1,512 |
| Efficiency ratio | 84.9424% | 597 |
| Assets per employee ($millions) | 3.3364% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 1,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 71.2764% | 2,327 |
| Net loans and leases to deposits | 82.3297% | 2,691 |
| Net loans and leases to core deposits | 84.8804% | 3,043 |
| Total domestic deposits to total assets | 86.5744% | 1,785 |
| Equity capital to assets | 10.9220% | 3,156 |
| Core capital (leverage) ratio | 11.2453% | 2,382 |
| Tier 1 risk-based capital ratio | 18.4551% | 1,683 |
| Total risk-based capital ratio | 19.7098% | 1,645 |
| Memoranda: | ||
| Average total assets | $48,982,330 | 4,870 |
| Average earning assets | $45,631,670 | 4,858 |
| Average equity | $5,363,330 | 4,940 |
| Average total loans | $35,823,670 | 4,595 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7261% | 2,133 |
| Cost of funding earning assets | 0.5576% | 3,792 |
| Net interest margin | 4.1686% | 1,377 |
| Noninterest income to average assets | 0.7430% | 1,451 |
| Noninterest expense to average assets | 3.9463% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6852% | 3,985 |
| Return on assets (ROA) | 0.6852% | 4,023 |
| Pretax return on assets | 0.6852% | 4,331 |
| Return on Equity (ROE) | 6.2500% | 3,940 |
| Retained earnings to average equity (ytd only) | 6.2500% | 2,341 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2050% | 631 |
| Assets per employee ($millions) | 3.7329% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 73.0362% | 1,969 |
| Net loans and leases to deposits | 85.0156% | 2,252 |
| Net loans and leases to core deposits | 87.7324% | 2,716 |
| Total domestic deposits to total assets | 85.9092% | 2,318 |
| Equity capital to assets | 11.0369% | 2,814 |
| Core capital (leverage) ratio | 11.2339% | 2,357 |
| Tier 1 risk-based capital ratio | 18.2725% | 1,721 |
| Total risk-based capital ratio | 19.5283% | 1,673 |
| Memoranda: | ||
| Average total assets | $48,450,500 | 4,929 |
| Average earning assets | $45,195,500 | 4,916 |
| Average equity | $5,312,000 | 4,990 |
| Average total loans | $35,638,500 | 4,645 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6899% | 1,854 |
| Cost of funding earning assets | 0.4688% | 3,557 |
| Net interest margin | 4.2211% | 1,347 |
| Noninterest income to average assets | 0.7616% | 1,600 |
| Noninterest expense to average assets | 3.8933% | 605 |
| Loan and lease loss provision to assets | 0.0666% | 2,821 |
| Net operating income to assets | 0.7366% | 4,017 |
| Return on assets (ROA) | 0.7366% | 4,017 |
| Pretax return on assets | 0.7366% | 4,320 |
| Return on Equity (ROE) | 6.6168% | 3,961 |
| Retained earnings to average equity (ytd only) | 0.0748% | 4,968 |
| Net charge-offs to loans | 0.0172% | 3,109 |
| Credit loss provision to net charge-offs | 533.3333% | 654 |
| Earnings coverage of net charge-offs (x) | 64.3333% | 978 |
| Efficiency ratio | 82.8977% | 714 |
| Assets per employee ($millions) | 3.2249% | 4,804 |
| Cash dividends to net income (ytd only)* | 98.8701% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,282 |
| Loan loss allowance to noncurrent loans | 1,766.6667% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 4,528 |
| Noncurrent loans to loans | 0.0850% | 4,367 |
| Net loans and leases to total assets | 71.8872% | 2,275 |
| Net loans and leases to deposits | 83.3889% | 2,582 |
| Net loans and leases to core deposits | 85.4944% | 2,954 |
| Total domestic deposits to total assets | 86.2072% | 2,128 |
| Equity capital to assets | 10.8904% | 2,801 |
| Core capital (leverage) ratio | 10.9746% | 2,547 |
| Tier 1 risk-based capital ratio | 18.2279% | 1,687 |
| Total risk-based capital ratio | 19.4828% | 1,636 |
| Memoranda: | ||
| Average total assets | $48,056,800 | 4,972 |
| Average earning assets | $44,798,400 | 4,962 |
| Average equity | $5,350,000 | 4,995 |
| Average total loans | $34,858,000 | 4,691 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 2,018 |
| Cost of funding earning assets | 0.4476% | 3,535 |
| Net interest margin | 4.1385% | 1,524 |
| Noninterest income to average assets | 0.7170% | 1,800 |
| Noninterest expense to average assets | 3.8600% | 620 |
| Loan and lease loss provision to assets | 0.0417% | 3,162 |
| Net operating income to assets | 0.6697% | 4,320 |
| Return on assets (ROA) | 0.6697% | 4,332 |
| Pretax return on assets | 0.6697% | 4,605 |
| Return on Equity (ROE) | 5.9832% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.9832% | 2,669 |
| Net charge-offs to loans | 0.0230% | 2,677 |
| Credit loss provision to net charge-offs | 250.0000% | 1,176 |
| Earnings coverage of net charge-offs (x) | 42.6650% | 1,300 |
| Efficiency ratio | 84.4377% | 620 |
| Assets per employee ($millions) | 3.4331% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 1,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 72.6635% | 2,221 |
| Net loans and leases to deposits | 84.5724% | 2,530 |
| Net loans and leases to core deposits | 87.2798% | 2,895 |
| Total domestic deposits to total assets | 85.9188% | 2,232 |
| Equity capital to assets | 11.4223% | 2,317 |
| Core capital (leverage) ratio | 11.6258% | 2,068 |
| Tier 1 risk-based capital ratio | 19.1553% | 1,499 |
| Total risk-based capital ratio | 20.4106% | 1,468 |
| Memoranda: | ||
| Average total assets | $47,977,750 | 5,028 |
| Average earning assets | $44,685,250 | 5,017 |
| Average equity | $5,370,500 | 5,046 |
| Average total loans | $34,746,500 | 4,743 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4947% | 2,100 |
| Cost of funding earning assets | 0.4172% | 3,592 |
| Net interest margin | 4.0775% | 1,622 |
| Noninterest income to average assets | 0.6757% | 1,969 |
| Noninterest expense to average assets | 3.8249% | 655 |
| Loan and lease loss provision to assets | 0.0209% | 3,490 |
| Net operating income to assets | 0.6215% | 4,435 |
| Return on assets (ROA) | 0.6215% | 4,438 |
| Pretax return on assets | 0.6215% | 4,702 |
| Return on Equity (ROE) | 5.5903% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.5903% | 2,774 |
| Net charge-offs to loans | 0.0406% | 2,048 |
| Credit loss provision to net charge-offs | 71.4286% | 2,331 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,756 |
| Efficiency ratio | 85.6209% | 589 |
| Assets per employee ($millions) | 3.1943% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 1,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 72.6557% | 2,176 |
| Net loans and leases to deposits | 84.2665% | 2,508 |
| Net loans and leases to core deposits | 86.9586% | 2,823 |
| Total domestic deposits to total assets | 86.2214% | 2,182 |
| Equity capital to assets | 11.2658% | 2,391 |
| Core capital (leverage) ratio | 11.3741% | 2,182 |
| Tier 1 risk-based capital ratio | 19.1590% | 1,512 |
| Total risk-based capital ratio | 20.4149% | 1,471 |
| Memoranda: | ||
| Average total assets | $47,949,000 | 5,089 |
| Average earning assets | $44,586,000 | 5,077 |
| Average equity | $5,330,670 | 5,107 |
| Average total loans | $34,516,330 | 4,796 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 2,201 |
| Cost of funding earning assets | 0.3673% | 3,854 |
| Net interest margin | 4.0310% | 1,621 |
| Noninterest income to average assets | 0.7088% | 1,789 |
| Noninterest expense to average assets | 3.8027% | 677 |
| Loan and lease loss provision to assets | 0.0417% | 2,923 |
| Net operating income to assets | 0.6171% | 4,371 |
| Return on assets (ROA) | 0.6171% | 4,381 |
| Pretax return on assets | 0.6171% | 4,648 |
| Return on Equity (ROE) | 5.5881% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.5881% | 2,911 |
| Net charge-offs to loans | -0.0117% | 4,315 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2336% | 691 |
| Assets per employee ($millions) | 3.0144% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 1,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 71.0539% | 2,321 |
| Net loans and leases to deposits | 82.1665% | 2,576 |
| Net loans and leases to core deposits | 84.2242% | 2,956 |
| Total domestic deposits to total assets | 86.4755% | 2,329 |
| Equity capital to assets | 11.0365% | 2,544 |
| Core capital (leverage) ratio | 11.3989% | 2,088 |
| Tier 1 risk-based capital ratio | 19.2330% | 1,497 |
| Total risk-based capital ratio | 20.4898% | 1,455 |
| Memoranda: | ||
| Average total assets | $47,966,000 | 5,147 |
| Average earning assets | $44,654,000 | 5,140 |
| Average equity | $5,297,000 | 5,168 |
| Average total loans | $34,117,500 | 4,861 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 1,813 |
| Cost of funding earning assets | 0.2801% | 4,310 |
| Net interest margin | 4.1892% | 1,212 |
| Noninterest income to average assets | 1.7049% | 377 |
| Noninterest expense to average assets | 3.8608% | 647 |
| Loan and lease loss provision to assets | 0.0462% | 3,311 |
| Net operating income to assets | 1.6807% | 548 |
| Return on assets (ROA) | 1.6807% | 562 |
| Pretax return on assets | 1.6807% | 1,056 |
| Return on Equity (ROE) | 15.1149% | 592 |
| Retained earnings to average equity (ytd only) | 11.1582% | 232 |
| Net charge-offs to loans | 0.0246% | 3,317 |
| Credit loss provision to net charge-offs | 262.5000% | 1,065 |
| Earnings coverage of net charge-offs (x) | 98.1250% | 655 |
| Efficiency ratio | 69.0945% | 2,683 |
| Assets per employee ($millions) | 3.1801% | 5,052 |
| Cash dividends to net income (ytd only)* | 26.1780% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 1,397 |
| Loan loss allowance to noncurrent loans | 50,300.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,187 |
| Noncurrent loans to loans | 0.0030% | 5,050 |
| Net loans and leases to total assets | 69.0824% | 2,669 |
| Net loans and leases to deposits | 80.1776% | 2,896 |
| Net loans and leases to core deposits | 82.2099% | 3,230 |
| Total domestic deposits to total assets | 86.1617% | 2,364 |
| Equity capital to assets | 11.0501% | 2,582 |
| Core capital (leverage) ratio | 11.5196% | 1,933 |
| Tier 1 risk-based capital ratio | 19.7828% | 1,362 |
| Total risk-based capital ratio | 21.0410% | 1,328 |
| Memoranda: | ||
| Average total assets | $45,456,600 | 5,243 |
| Average earning assets | $42,132,000 | 5,232 |
| Average equity | $5,054,600 | 5,263 |
| Average total loans | $32,586,200 | 4,944 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 1,890 |
| Cost of funding earning assets | 0.2693% | 4,418 |
| Net interest margin | 4.1523% | 1,273 |
| Noninterest income to average assets | 1.7759% | 371 |
| Noninterest expense to average assets | 3.8488% | 636 |
| Loan and lease loss provision to assets | 0.0475% | 3,152 |
| Net operating income to assets | 1.7255% | 554 |
| Return on assets (ROA) | 1.7255% | 566 |
| Pretax return on assets | 1.7255% | 1,059 |
| Return on Equity (ROE) | 15.4915% | 590 |
| Retained earnings to average equity (ytd only) | 15.4915% | 101 |
| Net charge-offs to loans | 0.0165% | 3,188 |
| Credit loss provision to net charge-offs | 400.0000% | 766 |
| Earnings coverage of net charge-offs (x) | 149.3396% | 536 |
| Efficiency ratio | 68.4628% | 2,789 |
| Assets per employee ($millions) | 3.4629% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 1,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 73.2729% | 2,051 |
| Net loans and leases to deposits | 85.6557% | 2,344 |
| Net loans and leases to core deposits | 87.9767% | 2,772 |
| Total domestic deposits to total assets | 85.5436% | 2,499 |
| Equity capital to assets | 11.7931% | 2,115 |
| Core capital (leverage) ratio | 11.8512% | 1,785 |
| Tier 1 risk-based capital ratio | 20.1098% | 1,339 |
| Total risk-based capital ratio | 21.3674% | 1,310 |
| Memoranda: | ||
| Average total assets | $44,895,500 | 5,309 |
| Average earning assets | $41,582,750 | 5,296 |
| Average equity | $5,000,500 | 5,330 |
| Average total loans | $32,368,750 | 5,000 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 1,911 |
| Cost of funding earning assets | 0.2512% | 4,531 |
| Net interest margin | 4.1200% | 1,270 |
| Noninterest income to average assets | 2.2740% | 260 |
| Noninterest expense to average assets | 3.8792% | 607 |
| Loan and lease loss provision to assets | 0.0268% | 3,465 |
| Net operating income to assets | 2.1715% | 222 |
| Return on assets (ROA) | 2.1715% | 226 |
| Pretax return on assets | 2.1715% | 371 |
| Return on Equity (ROE) | 19.8870% | 220 |
| Retained earnings to average equity (ytd only) | 19.8870% | 62 |
| Net charge-offs to loans | 0.0125% | 3,016 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 246.5000% | 343 |
| Efficiency ratio | 63.8298% | 3,697 |
| Assets per employee ($millions) | 3.1561% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 1,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 72.0742% | 2,194 |
| Net loans and leases to deposits | 82.5732% | 2,646 |
| Net loans and leases to core deposits | 84.8096% | 2,986 |
| Total domestic deposits to total assets | 87.2853% | 1,814 |
| Equity capital to assets | 11.7981% | 2,073 |
| Core capital (leverage) ratio | 11.7112% | 1,822 |
| Tier 1 risk-based capital ratio | 20.4207% | 1,285 |
| Total risk-based capital ratio | 21.6782% | 1,256 |
| Memoranda: | ||
| Average total assets | $44,854,670 | 5,345 |
| Average earning assets | $41,408,000 | 5,338 |
| Average equity | $4,897,670 | 5,385 |
| Average total loans | $31,995,670 | 5,046 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3668% | 1,763 |
| Cost of funding earning assets | 0.2512% | 4,527 |
| Net interest margin | 4.1156% | 1,181 |
| Noninterest income to average assets | 0.7435% | 1,768 |
| Noninterest expense to average assets | 3.9301% | 585 |
| Loan and lease loss provision to assets | 0.0266% | 3,227 |
| Net operating income to assets | 0.5577% | 4,341 |
| Return on assets (ROA) | 0.5577% | 4,386 |
| Pretax return on assets | 0.5577% | 4,824 |
| Return on Equity (ROE) | 5.3165% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.3165% | 2,730 |
| Net charge-offs to loans | 0.0251% | 2,258 |
| Credit loss provision to net charge-offs | 150.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,159 |
| Efficiency ratio | 87.0588% | 730 |
| Assets per employee ($millions) | 3.2146% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 1,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 68.9879% | 2,534 |
| Net loans and leases to deposits | 79.2749% | 2,836 |
| Net loans and leases to core deposits | 83.1160% | 2,987 |
| Total domestic deposits to total assets | 87.0237% | 2,205 |
| Equity capital to assets | 10.6099% | 3,057 |
| Core capital (leverage) ratio | 10.6549% | 2,735 |
| Tier 1 risk-based capital ratio | 18.4036% | 1,765 |
| Total risk-based capital ratio | 19.6601% | 1,721 |
| Memoranda: | ||
| Average total assets | $45,189,500 | 5,403 |
| Average earning assets | $41,403,000 | 5,398 |
| Average equity | $4,740,000 | 5,471 |
| Average total loans | $31,823,500 | 5,098 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3565% | 1,964 |
| Cost of funding earning assets | 0.3360% | 3,683 |
| Net interest margin | 4.0205% | 1,575 |
| Noninterest income to average assets | 0.7045% | 2,153 |
| Noninterest expense to average assets | 3.7571% | 816 |
| Loan and lease loss provision to assets | 0.0776% | 2,812 |
| Net operating income to assets | 0.5817% | 4,285 |
| Return on assets (ROA) | 0.5817% | 4,394 |
| Pretax return on assets | 0.5817% | 4,835 |
| Return on Equity (ROE) | 5.7359% | 4,104 |
| Retained earnings to average equity (ytd only) | 3.0591% | 3,720 |
| Net charge-offs to loans | 0.0345% | 3,340 |
| Credit loss provision to net charge-offs | 327.2727% | 917 |
| Earnings coverage of net charge-offs (x) | 27.8182% | 1,500 |
| Efficiency ratio | 85.0732% | 898 |
| Assets per employee ($millions) | 3.0249% | 5,330 |
| Cash dividends to net income (ytd only)* | 46.6667% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 1,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 69.6831% | 2,531 |
| Net loans and leases to deposits | 80.7550% | 2,808 |
| Net loans and leases to core deposits | 85.2421% | 2,910 |
| Total domestic deposits to total assets | 86.2895% | 2,464 |
| Equity capital to assets | 10.3694% | 3,308 |
| Core capital (leverage) ratio | 10.2637% | 3,154 |
| Tier 1 risk-based capital ratio | 17.7669% | 1,916 |
| Total risk-based capital ratio | 19.0247% | 1,868 |
| Memoranda: | ||
| Average total assets | $46,418,200 | 5,414 |
| Average earning assets | $42,855,200 | 5,403 |
| Average equity | $4,707,200 | 5,524 |
| Average total loans | $31,871,800 | 5,138 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 2,188 |
| Cost of funding earning assets | 0.3495% | 3,546 |
| Net interest margin | 3.9406% | 1,852 |
| Noninterest income to average assets | 0.6969% | 2,181 |
| Noninterest expense to average assets | 3.7075% | 836 |
| Loan and lease loss provision to assets | 0.0743% | 2,734 |
| Net operating income to assets | 0.5541% | 4,482 |
| Return on assets (ROA) | 0.5541% | 4,589 |
| Pretax return on assets | 0.5541% | 4,994 |
| Return on Equity (ROE) | 5.4943% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.4943% | 2,489 |
| Net charge-offs to loans | 0.0419% | 2,804 |
| Credit loss provision to net charge-offs | 260.0000% | 1,164 |
| Earnings coverage of net charge-offs (x) | 22.0053% | 1,789 |
| Efficiency ratio | 85.5072% | 867 |
| Assets per employee ($millions) | 3.3047% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 69.0485% | 2,631 |
| Net loans and leases to deposits | 79.9810% | 2,964 |
| Net loans and leases to core deposits | 82.5884% | 3,239 |
| Total domestic deposits to total assets | 86.3312% | 2,199 |
| Equity capital to assets | 10.4310% | 3,630 |
| Core capital (leverage) ratio | 10.3829% | 3,123 |
| Tier 1 risk-based capital ratio | 17.8159% | 1,973 |
| Total risk-based capital ratio | 19.0716% | 1,931 |
| Memoranda: | ||
| Average total assets | $46,679,250 | 5,464 |
| Average earning assets | $43,106,000 | 5,453 |
| Average equity | $4,707,750 | 5,580 |
| Average total loans | $31,812,750 | 5,190 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2696% | 2,256 |
| Cost of funding earning assets | 0.3658% | 3,397 |
| Net interest margin | 3.9038% | 1,965 |
| Noninterest income to average assets | 0.6536% | 2,356 |
| Noninterest expense to average assets | 3.7038% | 876 |
| Loan and lease loss provision to assets | 0.0256% | 3,624 |
| Net operating income to assets | 0.5255% | 4,582 |
| Return on assets (ROA) | 0.5255% | 4,706 |
| Pretax return on assets | 0.5255% | 5,090 |
| Return on Equity (ROE) | 5.2696% | 4,400 |
| Retained earnings to average equity (ytd only) | 5.2696% | 2,573 |
| Net charge-offs to loans | 0.0569% | 2,376 |
| Credit loss provision to net charge-offs | 66.6667% | 2,509 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 2,063 |
| Efficiency ratio | 87.0482% | 788 |
| Assets per employee ($millions) | 3.0749% | 5,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 2,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 5,230 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 67.8063% | 2,807 |
| Net loans and leases to deposits | 78.1094% | 3,147 |
| Net loans and leases to core deposits | 82.3481% | 3,235 |
| Total domestic deposits to total assets | 86.8095% | 2,008 |
| Equity capital to assets | 10.3027% | 3,855 |
| Core capital (leverage) ratio | 10.0904% | 3,456 |
| Tier 1 risk-based capital ratio | 18.1309% | 1,896 |
| Total risk-based capital ratio | 19.3893% | 1,862 |
| Memoranda: | ||
| Average total assets | $46,817,000 | 5,526 |
| Average earning assets | $43,188,670 | 5,513 |
| Average equity | $4,668,330 | 5,652 |
| Average total loans | $31,608,000 | 5,245 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2958% | 2,151 |
| Cost of funding earning assets | 0.3872% | 3,221 |
| Net interest margin | 3.9086% | 1,910 |
| Noninterest income to average assets | 0.6530% | 2,251 |
| Noninterest expense to average assets | 3.7147% | 878 |
| Loan and lease loss provision to assets | 0.0254% | 3,338 |
| Net operating income to assets | 0.5089% | 4,593 |
| Return on assets (ROA) | 0.5089% | 4,700 |
| Pretax return on assets | 0.5089% | 5,061 |
| Return on Equity (ROE) | 5.1875% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.1875% | 2,827 |
| Net charge-offs to loans | -0.0127% | 4,634 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4251% | 856 |
| Assets per employee ($millions) | 3.1899% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,915 |
| Loan loss allowance to noncurrent loans | 679.7101% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 4,620 |
| Noncurrent loans to loans | 0.2229% | 4,628 |
| Net loans and leases to total assets | 63.7143% | 3,279 |
| Net loans and leases to deposits | 71.2539% | 3,721 |
| Net loans and leases to core deposits | 75.4119% | 3,741 |
| Total domestic deposits to total assets | 89.4186% | 880 |
| Equity capital to assets | 9.7705% | 4,378 |
| Core capital (leverage) ratio | 10.0655% | 3,452 |
| Tier 1 risk-based capital ratio | 18.0078% | 1,988 |
| Total risk-based capital ratio | 19.2635% | 1,950 |
| Memoranda: | ||
| Average total assets | $47,163,500 | 5,574 |
| Average earning assets | $43,391,000 | 5,563 |
| Average equity | $4,626,500 | 5,699 |
| Average total loans | $31,543,500 | 5,285 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4475% | 1,754 |
| Cost of funding earning assets | 0.4102% | 3,047 |
| Net interest margin | 4.0373% | 1,598 |
| Noninterest income to average assets | 0.6408% | 2,514 |
| Noninterest expense to average assets | 3.8737% | 785 |
| Loan and lease loss provision to assets | 0.0641% | 3,012 |
| Net operating income to assets | 0.4221% | 4,981 |
| Return on assets (ROA) | 0.4221% | 5,063 |
| Pretax return on assets | 0.4221% | 5,279 |
| Return on Equity (ROE) | 4.1743% | 4,864 |
| Retained earnings to average equity (ytd only) | 0.4590% | 5,331 |
| Net charge-offs to loans | 0.0065% | 4,223 |
| Credit loss provision to net charge-offs | 1,450.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 535 |
| Efficiency ratio | 88.8495% | 770 |
| Assets per employee ($millions) | 2.9049% | 5,608 |
| Cash dividends to net income (ytd only)* | 89.0052% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 2,222 |
| Loan loss allowance to noncurrent loans | 1,081.3953% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 5,246 |
| Noncurrent loans to loans | 0.1338% | 4,955 |
| Net loans and leases to total assets | 68.1318% | 2,689 |
| Net loans and leases to deposits | 76.1977% | 3,225 |
| Net loans and leases to core deposits | 78.1805% | 3,528 |
| Total domestic deposits to total assets | 89.4146% | 905 |
| Equity capital to assets | 9.8496% | 4,129 |
| Core capital (leverage) ratio | 9.7274% | 3,871 |
| Tier 1 risk-based capital ratio | 17.4673% | 2,134 |
| Total risk-based capital ratio | 18.7226% | 2,083 |
| Memoranda: | ||
| Average total assets | $45,253,400 | 5,653 |
| Average earning assets | $41,686,000 | 5,638 |
| Average equity | $4,575,600 | 5,747 |
| Average total loans | $30,819,200 | 5,329 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4158% | 1,880 |
| Cost of funding earning assets | 0.4152% | 3,062 |
| Net interest margin | 4.0006% | 1,704 |
| Noninterest income to average assets | 0.6318% | 2,575 |
| Noninterest expense to average assets | 3.9364% | 713 |
| Loan and lease loss provision to assets | 0.0148% | 3,972 |
| Net operating income to assets | 0.3678% | 5,268 |
| Return on assets (ROA) | 0.3678% | 5,344 |
| Pretax return on assets | 0.3678% | 5,534 |
| Return on Equity (ROE) | 3.6138% | 5,177 |
| Retained earnings to average equity (ytd only) | 1.4280% | 5,146 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1401% | 622 |
| Assets per employee ($millions) | 3.0874% | 5,443 |
| Cash dividends to net income (ytd only)* | 60.4851% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 2,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 68.2473% | 2,642 |
| Net loans and leases to deposits | 76.6076% | 3,232 |
| Net loans and leases to core deposits | 77.0822% | 3,686 |
| Total domestic deposits to total assets | 89.0868% | 985 |
| Equity capital to assets | 10.0127% | 4,131 |
| Core capital (leverage) ratio | 10.1377% | 3,454 |
| Tier 1 risk-based capital ratio | 17.3240% | 2,247 |
| Total risk-based capital ratio | 18.5773% | 2,198 |
| Memoranda: | ||
| Average total assets | $44,947,000 | 5,734 |
| Average earning assets | $41,425,750 | 5,716 |
| Average equity | $4,575,000 | 5,824 |
| Average total loans | $30,491,000 | 5,405 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 1,912 |
| Cost of funding earning assets | 0.3957% | 3,320 |
| Net interest margin | 3.9868% | 1,676 |
| Noninterest income to average assets | 0.6068% | 2,692 |
| Noninterest expense to average assets | 4.0142% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2607% | 5,547 |
| Return on assets (ROA) | 0.2607% | 5,633 |
| Pretax return on assets | 0.2607% | 5,724 |
| Return on Equity (ROE) | 2.5470% | 5,546 |
| Retained earnings to average equity (ytd only) | -0.7465% | 5,652 |
| Net charge-offs to loans | -0.0067% | 4,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9012% | 519 |
| Assets per employee ($millions) | 3.0169% | 5,578 |
| Cash dividends to net income (ytd only)* | 129.3103% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 2,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 66.9657% | 2,794 |
| Net loans and leases to deposits | 75.4976% | 3,319 |
| Net loans and leases to core deposits | 75.9784% | 3,770 |
| Total domestic deposits to total assets | 88.6991% | 1,298 |
| Equity capital to assets | 10.0546% | 3,975 |
| Core capital (leverage) ratio | 10.0376% | 3,542 |
| Tier 1 risk-based capital ratio | 18.1002% | 2,038 |
| Total risk-based capital ratio | 19.3574% | 1,993 |
| Memoranda: | ||
| Average total assets | $44,492,330 | 5,805 |
| Average earning assets | $40,935,330 | 5,788 |
| Average equity | $4,554,330 | 5,887 |
| Average total loans | $29,971,670 | 5,473 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 1,946 |
| Cost of funding earning assets | 0.3837% | 3,479 |
| Net interest margin | 3.9644% | 1,675 |
| Noninterest income to average assets | 0.5803% | 2,769 |
| Noninterest expense to average assets | 4.0987% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1360% | 5,818 |
| Return on assets (ROA) | 0.1360% | 5,884 |
| Pretax return on assets | 0.1360% | 5,914 |
| Return on Equity (ROE) | 1.3168% | 5,850 |
| Retained earnings to average equity (ytd only) | -3.0725% | 5,800 |
| Net charge-offs to loans | -0.0270% | 5,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7880% | 470 |
| Assets per employee ($millions) | 2.7746% | 5,913 |
| Cash dividends to net income (ytd only)* | 333.3333% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 2,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 66.4369% | 2,702 |
| Net loans and leases to deposits | 74.6306% | 3,213 |
| Net loans and leases to core deposits | 76.5859% | 3,533 |
| Total domestic deposits to total assets | 89.0210% | 1,253 |
| Equity capital to assets | 10.2672% | 3,809 |
| Core capital (leverage) ratio | 10.1205% | 3,439 |
| Tier 1 risk-based capital ratio | 18.1395% | 2,095 |
| Total risk-based capital ratio | 19.3955% | 2,050 |
| Memoranda: | ||
| Average total assets | $44,112,000 | 5,864 |
| Average earning assets | $40,661,500 | 5,846 |
| Average equity | $4,556,500 | 5,938 |
| Average total loans | $29,586,000 | 5,534 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 2,009 |
| Cost of funding earning assets | 0.2888% | 4,913 |
| Net interest margin | 4.1762% | 1,365 |
| Noninterest income to average assets | 0.8538% | 1,666 |
| Noninterest expense to average assets | 3.9995% | 752 |
| Loan and lease loss provision to assets | 0.0967% | 2,538 |
| Net operating income to assets | 0.5845% | 4,448 |
| Return on assets (ROA) | 0.5845% | 4,524 |
| Pretax return on assets | 0.5845% | 4,989 |
| Return on Equity (ROE) | 5.7709% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.7709% | 2,083 |
| Net charge-offs to loans | 0.0514% | 3,802 |
| Credit loss provision to net charge-offs | 300.0000% | 864 |
| Earnings coverage of net charge-offs (x) | 21.1429% | 1,692 |
| Efficiency ratio | 85.4474% | 1,238 |
| Assets per employee ($millions) | 2.5782% | 6,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 2,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 65.7084% | 2,943 |
| Net loans and leases to deposits | 74.3245% | 3,395 |
| Net loans and leases to core deposits | 76.8656% | 3,619 |
| Total domestic deposits to total assets | 88.4075% | 1,561 |
| Equity capital to assets | 10.3924% | 3,619 |
| Core capital (leverage) ratio | 10.3268% | 3,138 |
| Tier 1 risk-based capital ratio | 18.8838% | 1,882 |
| Total risk-based capital ratio | 20.1411% | 1,841 |
| Memoranda: | ||
| Average total assets | $43,455,000 | 5,944 |
| Average earning assets | $39,820,800 | 5,923 |
| Average equity | $4,401,400 | 6,008 |
| Average total loans | $27,226,200 | 5,684 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 2,154 |
| Cost of funding earning assets | 0.2723% | 5,184 |
| Net interest margin | 4.1478% | 1,440 |
| Noninterest income to average assets | 0.9009% | 1,517 |
| Noninterest expense to average assets | 4.0004% | 755 |
| Loan and lease loss provision to assets | 0.0707% | 2,934 |
| Net operating income to assets | 0.6242% | 4,332 |
| Return on assets (ROA) | 0.6242% | 4,432 |
| Pretax return on assets | 0.6242% | 4,952 |
| Return on Equity (ROE) | 6.2035% | 4,130 |
| Retained earnings to average equity (ytd only) | 6.2035% | 2,271 |
| Net charge-offs to loans | 0.0499% | 3,503 |
| Credit loss provision to net charge-offs | 230.0000% | 1,134 |
| Earnings coverage of net charge-offs (x) | 22.6054% | 1,623 |
| Efficiency ratio | 85.1997% | 1,264 |
| Assets per employee ($millions) | 2.5625% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 2,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 63.7927% | 3,208 |
| Net loans and leases to deposits | 72.4075% | 3,645 |
| Net loans and leases to core deposits | 74.8693% | 3,860 |
| Total domestic deposits to total assets | 88.1023% | 1,709 |
| Equity capital to assets | 10.2633% | 3,839 |
| Core capital (leverage) ratio | 10.3049% | 3,288 |
| Tier 1 risk-based capital ratio | 18.8953% | 1,931 |
| Total risk-based capital ratio | 20.1503% | 1,900 |
| Memoranda: | ||
| Average total assets | $43,361,250 | 6,016 |
| Average earning assets | $39,666,500 | 5,998 |
| Average equity | $4,363,000 | 6,077 |
| Average total loans | $26,723,250 | 5,772 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 2,417 |
| Cost of funding earning assets | 0.2584% | 5,401 |
| Net interest margin | 4.0841% | 1,561 |
| Noninterest income to average assets | 0.6745% | 2,408 |
| Noninterest expense to average assets | 3.9959% | 770 |
| Loan and lease loss provision to assets | 0.0092% | 4,050 |
| Net operating income to assets | 0.3927% | 5,252 |
| Return on assets (ROA) | 0.3927% | 5,319 |
| Pretax return on assets | 0.3927% | 5,589 |
| Return on Equity (ROE) | 3.9288% | 5,180 |
| Retained earnings to average equity (ytd only) | 3.9288% | 3,683 |
| Net charge-offs to loans | 0.0458% | 3,325 |
| Credit loss provision to net charge-offs | 33.3333% | 3,009 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,909 |
| Efficiency ratio | 90.8613% | 842 |
| Assets per employee ($millions) | 2.7171% | 6,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 2,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 61.2863% | 3,525 |
| Net loans and leases to deposits | 69.5731% | 3,877 |
| Net loans and leases to core deposits | 70.4990% | 4,218 |
| Total domestic deposits to total assets | 88.0892% | 1,857 |
| Equity capital to assets | 10.1074% | 3,961 |
| Core capital (leverage) ratio | 10.0613% | 3,519 |
| Tier 1 risk-based capital ratio | 19.0501% | 1,912 |
| Total risk-based capital ratio | 20.3059% | 1,871 |
| Memoranda: | ||
| Average total assets | $43,294,000 | 6,072 |
| Average earning assets | $39,469,670 | 6,060 |
| Average equity | $4,327,000 | 6,129 |
| Average total loans | $26,226,670 | 5,835 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2754% | 2,611 |
| Cost of funding earning assets | 0.2653% | 5,440 |
| Net interest margin | 4.0101% | 1,720 |
| Noninterest income to average assets | 0.6759% | 2,316 |
| Noninterest expense to average assets | 4.0181% | 742 |
| Loan and lease loss provision to assets | 0.0185% | 3,591 |
| Net operating income to assets | 0.2777% | 5,573 |
| Return on assets (ROA) | 0.2777% | 5,618 |
| Pretax return on assets | 0.2777% | 5,766 |
| Return on Equity (ROE) | 2.7949% | 5,531 |
| Retained earnings to average equity (ytd only) | 2.7949% | 4,413 |
| Net charge-offs to loans | 0.0155% | 3,282 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,007 |
| Efficiency ratio | 93.1330% | 806 |
| Assets per employee ($millions) | 2.7089% | 6,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 2,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 57.8294% | 3,864 |
| Net loans and leases to deposits | 64.7173% | 4,239 |
| Net loans and leases to core deposits | 65.1428% | 4,591 |
| Total domestic deposits to total assets | 89.3570% | 1,444 |
| Equity capital to assets | 9.9693% | 3,877 |
| Core capital (leverage) ratio | 10.1498% | 3,352 |
| Tier 1 risk-based capital ratio | 20.0658% | 1,702 |
| Total risk-based capital ratio | 21.3220% | 1,670 |
| Memoranda: | ||
| Average total assets | $43,204,500 | 6,135 |
| Average earning assets | $39,201,000 | 6,121 |
| Average equity | $4,293,500 | 6,187 |
| Average total loans | $25,815,500 | 5,898 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 2,207 |
| Cost of funding earning assets | 0.2436% | 6,011 |
| Net interest margin | 4.2555% | 1,206 |
| Noninterest income to average assets | 0.7487% | 2,295 |
| Noninterest expense to average assets | 4.3560% | 594 |
| Loan and lease loss provision to assets | 0.1021% | 3,096 |
| Net operating income to assets | 0.1556% | 5,932 |
| Return on assets (ROA) | 0.1556% | 5,995 |
| Pretax return on assets | 0.1556% | 6,011 |
| Return on Equity (ROE) | 1.4895% | 5,986 |
| Retained earnings to average equity (ytd only) | 1.4895% | 5,146 |
| Net charge-offs to loans | 0.1335% | 3,465 |
| Credit loss provision to net charge-offs | 127.2727% | 1,850 |
| Earnings coverage of net charge-offs (x) | 3.2121% | 3,925 |
| Efficiency ratio | 94.4152% | 723 |
| Assets per employee ($millions) | 2.6916% | 6,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 2,894 |
| Loan loss allowance to noncurrent loans | 931.8182% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 6,029 |
| Noncurrent loans to loans | 0.1682% | 5,691 |
| Net loans and leases to total assets | 59.7803% | 3,753 |
| Net loans and leases to deposits | 66.7834% | 4,204 |
| Net loans and leases to core deposits | 66.7834% | 4,631 |
| Total domestic deposits to total assets | 89.5138% | 1,325 |
| Equity capital to assets | 9.9057% | 3,895 |
| Core capital (leverage) ratio | 10.1027% | 3,426 |
| Tier 1 risk-based capital ratio | 19.1757% | 1,874 |
| Total risk-based capital ratio | 20.4336% | 1,832 |
| Memoranda: | ||
| Average total assets | $41,139,000 | 6,257 |
| Average earning assets | $37,363,000 | 6,239 |
| Average equity | $4,296,800 | 6,263 |
| Average total loans | $24,710,200 | 5,997 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 2,253 |
| Cost of funding earning assets | 0.2274% | 6,244 |
| Net interest margin | 4.2666% | 1,170 |
| Noninterest income to average assets | 0.7575% | 2,331 |
| Noninterest expense to average assets | 4.4599% | 543 |
| Loan and lease loss provision to assets | 0.0164% | 4,686 |
| Net operating income to assets | 0.1574% | 6,025 |
| Return on assets (ROA) | 0.1574% | 6,091 |
| Pretax return on assets | 0.1574% | 6,120 |
| Return on Equity (ROE) | 1.4868% | 6,081 |
| Retained earnings to average equity (ytd only) | 1.4868% | 5,389 |
| Net charge-offs to loans | 0.1697% | 2,859 |
| Credit loss provision to net charge-offs | 16.1290% | 4,131 |
| Earnings coverage of net charge-offs (x) | 1.7097% | 4,271 |
| Efficiency ratio | 96.2491% | 610 |
| Assets per employee ($millions) | 2.6398% | 6,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 3,741 |
| Loan loss allowance to noncurrent loans | 833.3333% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 4,770 |
| Noncurrent loans to loans | 0.1726% | 5,808 |
| Net loans and leases to total assets | 60.8344% | 3,555 |
| Net loans and leases to deposits | 68.2843% | 4,030 |
| Net loans and leases to core deposits | 69.2113% | 4,405 |
| Total domestic deposits to total assets | 89.0899% | 1,511 |
| Equity capital to assets | 10.1714% | 3,674 |
| Core capital (leverage) ratio | 10.3252% | 3,206 |
| Tier 1 risk-based capital ratio | 19.1925% | 1,928 |
| Total risk-based capital ratio | 20.4472% | 1,892 |
| Memoranda: | ||
| Average total assets | $40,657,250 | 6,342 |
| Average earning assets | $36,937,000 | 6,331 |
| Average equity | $4,304,500 | 6,334 |
| Average total loans | $24,349,000 | 6,072 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 2,369 |
| Cost of funding earning assets | 0.2144% | 6,408 |
| Net interest margin | 4.2393% | 1,167 |
| Noninterest income to average assets | 0.7625% | 2,358 |
| Noninterest expense to average assets | 4.5252% | 512 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0797% | 6,179 |
| Return on assets (ROA) | 0.0797% | 6,264 |
| Pretax return on assets | 0.0797% | 6,264 |
| Return on Equity (ROE) | 0.7429% | 6,266 |
| Retained earnings to average equity (ytd only) | 0.7429% | 5,606 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2684% | 554 |
| Assets per employee ($millions) | 2.4623% | 6,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 2,883 |
| Loan loss allowance to noncurrent loans | 150.7519% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.6752% | 4,533 |
| Noncurrent loans to loans | 1.1103% | 3,711 |
| Net loans and leases to total assets | 59.7929% | 3,692 |
| Net loans and leases to deposits | 67.6547% | 4,061 |
| Net loans and leases to core deposits | 68.6484% | 4,437 |
| Total domestic deposits to total assets | 88.3795% | 1,994 |
| Equity capital to assets | 10.8818% | 2,868 |
| Core capital (leverage) ratio | 10.5593% | 2,813 |
| Tier 1 risk-based capital ratio | 21.3593% | 1,408 |
| Total risk-based capital ratio | 22.6202% | 1,382 |
| Memoranda: | ||
| Average total assets | $40,131,000 | 6,396 |
| Average earning assets | $36,374,000 | 6,386 |
| Average equity | $4,307,330 | 6,384 |
| Average total loans | $23,775,670 | 6,139 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 2,247 |
| Cost of funding earning assets | 0.2075% | 6,539 |
| Net interest margin | 4.2694% | 1,028 |
| Noninterest income to average assets | 0.6914% | 2,641 |
| Noninterest expense to average assets | 4.5335% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0198% | 6,313 |
| Return on assets (ROA) | 0.0198% | 6,392 |
| Pretax return on assets | 0.0198% | 6,379 |
| Return on Equity (ROE) | 0.1853% | 6,391 |
| Retained earnings to average equity (ytd only) | 0.1853% | 5,721 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5662% | 564 |
| Assets per employee ($millions) | 2.2127% | 6,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 3,101 |
| Loan loss allowance to noncurrent loans | 150.1873% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 4,699 |
| Noncurrent loans to loans | 1.1170% | 3,914 |
| Net loans and leases to total assets | 59.0087% | 3,607 |
| Net loans and leases to deposits | 66.6969% | 3,953 |
| Net loans and leases to core deposits | 67.6648% | 4,344 |
| Total domestic deposits to total assets | 88.4729% | 2,027 |
| Equity capital to assets | 10.8115% | 3,186 |
| Core capital (leverage) ratio | 10.4488% | 2,849 |
| Tier 1 risk-based capital ratio | 21.4076% | 1,447 |
| Total risk-based capital ratio | 22.6657% | 1,418 |
| Memoranda: | ||
| Average total assets | $40,498,500 | 6,445 |
| Average earning assets | $36,632,500 | 6,442 |
| Average equity | $4,317,500 | 6,442 |
| Average total loans | $23,685,000 | 6,193 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7160% | 2,533 |
| Cost of funding earning assets | 0.2442% | 6,695 |
| Net interest margin | 4.4718% | 996 |
| Noninterest income to average assets | 0.6792% | 2,839 |
| Noninterest expense to average assets | 4.6072% | 514 |
| Loan and lease loss provision to assets | 0.1140% | 4,214 |
| Net operating income to assets | 0.0024% | 6,165 |
| Return on assets (ROA) | 0.0024% | 6,301 |
| Pretax return on assets | 0.0024% | 6,279 |
| Return on Equity (ROE) | 0.0229% | 6,302 |
| Retained earnings to average equity (ytd only) | 0.0229% | 5,823 |
| Net charge-offs to loans | 0.1103% | 4,572 |
| Credit loss provision to net charge-offs | 184.6154% | 1,423 |
| Earnings coverage of net charge-offs (x) | 1.8846% | 4,483 |
| Efficiency ratio | 97.5365% | 644 |
| Assets per employee ($millions) | 2.1668% | 6,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7088% | 2,900 |
| Loan loss allowance to noncurrent loans | 143.2143% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 4,784 |
| Noncurrent loans to loans | 1.1932% | 3,862 |
| Net loans and leases to total assets | 56.0276% | 4,286 |
| Net loans and leases to deposits | 62.9960% | 4,661 |
| Net loans and leases to core deposits | 64.5690% | 4,895 |
| Total domestic deposits to total assets | 88.9383% | 1,604 |
| Equity capital to assets | 10.5152% | 3,515 |
| Core capital (leverage) ratio | 10.1449% | 3,209 |
| Tier 1 risk-based capital ratio | 21.7682% | 1,309 |
| Total risk-based capital ratio | 23.0275% | 1,281 |
| Memoranda: | ||
| Average total assets | $42,108,000 | 6,427 |
| Average earning assets | $38,082,800 | 6,425 |
| Average equity | $4,373,200 | 6,472 |
| Average total loans | $23,572,400 | 6,262 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 2,428 |
| Cost of funding earning assets | 0.2537% | 6,793 |
| Net interest margin | 4.5355% | 930 |
| Noninterest income to average assets | 0.6676% | 2,890 |
| Noninterest expense to average assets | 4.6099% | 500 |
| Loan and lease loss provision to assets | 0.0567% | 5,028 |
| Net operating income to assets | 0.1102% | 6,108 |
| Return on assets (ROA) | 0.1102% | 6,247 |
| Pretax return on assets | 0.1102% | 6,256 |
| Return on Equity (ROE) | 1.0645% | 6,235 |
| Retained earnings to average equity (ytd only) | 1.0645% | 5,742 |
| Net charge-offs to loans | 0.0452% | 5,020 |
| Credit loss provision to net charge-offs | 225.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 6.6223% | 2,754 |
| Efficiency ratio | 96.5063% | 657 |
| Assets per employee ($millions) | 2.1913% | 6,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7004% | 3,151 |
| Loan loss allowance to noncurrent loans | 139.4265% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 5,007 |
| Noncurrent loans to loans | 1.2196% | 4,014 |
| Net loans and leases to total assets | 54.0122% | 4,746 |
| Net loans and leases to deposits | 60.7849% | 5,114 |
| Net loans and leases to core deposits | 61.4292% | 5,411 |
| Total domestic deposits to total assets | 88.8579% | 1,510 |
| Equity capital to assets | 10.5416% | 3,792 |
| Core capital (leverage) ratio | 10.2364% | 3,246 |
| Tier 1 risk-based capital ratio | 22.4324% | 1,258 |
| Total risk-based capital ratio | 23.6932% | 1,237 |
| Memoranda: | ||
| Average total assets | $42,342,750 | 6,491 |
| Average earning assets | $38,363,250 | 6,494 |
| Average equity | $4,384,250 | 6,544 |
| Average total loans | $23,598,750 | 6,347 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9000% | 2,108 |
| Cost of funding earning assets | 0.2644% | 6,860 |
| Net interest margin | 4.6356% | 768 |
| Noninterest income to average assets | 0.6529% | 2,942 |
| Noninterest expense to average assets | 4.5375% | 537 |
| Loan and lease loss provision to assets | 0.0564% | 4,954 |
| Net operating income to assets | 0.2583% | 5,737 |
| Return on assets (ROA) | 0.2583% | 5,931 |
| Pretax return on assets | 0.2583% | 6,040 |
| Return on Equity (ROE) | 2.5099% | 5,877 |
| Retained earnings to average equity (ytd only) | 2.5099% | 4,932 |
| Net charge-offs to loans | 0.0084% | 5,351 |
| Credit loss provision to net charge-offs | 1,200.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 583 |
| Efficiency ratio | 93.5140% | 829 |
| Assets per employee ($millions) | 2.0877% | 7,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 3,480 |
| Loan loss allowance to noncurrent loans | 750.0000% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 6,480 |
| Noncurrent loans to loans | 0.2180% | 6,147 |
| Net loans and leases to total assets | 56.1814% | 4,439 |
| Net loans and leases to deposits | 63.1695% | 4,858 |
| Net loans and leases to core deposits | 63.8365% | 5,228 |
| Total domestic deposits to total assets | 88.9376% | 1,546 |
| Equity capital to assets | 10.5307% | 3,652 |
| Core capital (leverage) ratio | 10.2740% | 3,074 |
| Tier 1 risk-based capital ratio | 21.3596% | 1,414 |
| Total risk-based capital ratio | 22.6195% | 1,389 |
| Memoranda: | ||
| Average total assets | $42,578,670 | 6,526 |
| Average earning assets | $38,571,330 | 6,527 |
| Average equity | $4,382,670 | 6,576 |
| Average total loans | $23,839,330 | 6,376 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 2,212 |
| Cost of funding earning assets | 0.2880% | 6,873 |
| Net interest margin | 4.6185% | 799 |
| Noninterest income to average assets | 0.7071% | 2,630 |
| Noninterest expense to average assets | 4.7080% | 454 |
| Loan and lease loss provision to assets | 0.0279% | 5,012 |
| Net operating income to assets | 0.1489% | 6,119 |
| Return on assets (ROA) | 0.1489% | 6,250 |
| Pretax return on assets | 0.1489% | 6,296 |
| Return on Equity (ROE) | 1.4627% | 6,232 |
| Retained earnings to average equity (ytd only) | 1.4627% | 5,505 |
| Net charge-offs to loans | 0.0336% | 4,220 |
| Credit loss provision to net charge-offs | 150.0000% | 1,667 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,837 |
| Efficiency ratio | 96.3810% | 700 |
| Assets per employee ($millions) | 2.1335% | 7,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 3,640 |
| Loan loss allowance to noncurrent loans | 151.3944% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 5,423 |
| Noncurrent loans to loans | 1.0704% | 4,561 |
| Net loans and leases to total assets | 54.0637% | 4,710 |
| Net loans and leases to deposits | 60.5660% | 5,087 |
| Net loans and leases to core deposits | 61.1894% | 5,415 |
| Total domestic deposits to total assets | 89.2641% | 1,506 |
| Equity capital to assets | 10.2672% | 3,769 |
| Core capital (leverage) ratio | 9.7685% | 3,687 |
| Tier 1 risk-based capital ratio | 19.3913% | 1,874 |
| Total risk-based capital ratio | 20.6461% | 1,837 |
| Memoranda: | ||
| Average total assets | $42,991,000 | 6,561 |
| Average earning assets | $38,887,500 | 6,566 |
| Average equity | $4,375,500 | 6,616 |
| Average total loans | $23,835,000 | 6,423 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0261% | 2,775 |
| Cost of funding earning assets | 0.4539% | 6,718 |
| Net interest margin | 4.5722% | 977 |
| Noninterest income to average assets | 0.7133% | 2,531 |
| Noninterest expense to average assets | 4.1218% | 887 |
| Loan and lease loss provision to assets | 0.0800% | 5,615 |
| Net operating income to assets | 0.6561% | 3,714 |
| Return on assets (ROA) | 0.6561% | 3,906 |
| Pretax return on assets | 0.6561% | 4,495 |
| Return on Equity (ROE) | 6.4358% | 3,680 |
| Retained earnings to average equity (ytd only) | -0.9418% | 5,996 |
| Net charge-offs to loans | 0.1130% | 5,246 |
| Credit loss provision to net charge-offs | 125.0000% | 2,500 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,715 |
| Efficiency ratio | 84.8471% | 1,679 |
| Assets per employee ($millions) | 2.0625% | 7,140 |
| Cash dividends to net income (ytd only)* | 114.6341% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 3,730 |
| Loan loss allowance to noncurrent loans | 141.4179% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 4,965 |
| Noncurrent loans to loans | 1.1065% | 4,499 |
| Net loans and leases to total assets | 55.0471% | 4,869 |
| Net loans and leases to deposits | 61.6471% | 5,285 |
| Net loans and leases to core deposits | 62.7075% | 5,571 |
| Total domestic deposits to total assets | 89.2940% | 1,368 |
| Equity capital to assets | 10.0896% | 4,045 |
| Core capital (leverage) ratio | 9.6328% | 3,822 |
| Tier 1 risk-based capital ratio | 21.7351% | 1,275 |
| Total risk-based capital ratio | 22.9928% | 1,242 |
| Memoranda: | ||
| Average total assets | $43,743,400 | 6,547 |
| Average earning assets | $39,653,000 | 6,544 |
| Average equity | $4,459,400 | 6,611 |
| Average total loans | $24,785,200 | 6,430 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0358% | 2,911 |
| Cost of funding earning assets | 0.4879% | 6,755 |
| Net interest margin | 4.5479% | 1,048 |
| Noninterest income to average assets | 0.7449% | 2,343 |
| Noninterest expense to average assets | 3.9800% | 1,028 |
| Loan and lease loss provision to assets | 0.0639% | 5,654 |
| Net operating income to assets | 0.8392% | 2,989 |
| Return on assets (ROA) | 0.8392% | 3,143 |
| Pretax return on assets | 0.8392% | 3,984 |
| Return on Equity (ROE) | 8.2109% | 2,957 |
| Retained earnings to average equity (ytd only) | 0.5058% | 5,803 |
| Net charge-offs to loans | 0.1444% | 4,623 |
| Credit loss provision to net charge-offs | 77.7778% | 4,217 |
| Earnings coverage of net charge-offs (x) | 10.9997% | 1,853 |
| Efficiency ratio | 81.5068% | 2,040 |
| Assets per employee ($millions) | 2.2398% | 7,118 |
| Cash dividends to net income (ytd only)* | 93.8395% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 4,018 |
| Loan loss allowance to noncurrent loans | 133.0909% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.8505% | 5,054 |
| Noncurrent loans to loans | 1.1398% | 4,638 |
| Net loans and leases to total assets | 53.0439% | 5,314 |
| Net loans and leases to deposits | 61.1168% | 5,501 |
| Net loans and leases to core deposits | 62.1625% | 5,801 |
| Total domestic deposits to total assets | 86.7909% | 2,778 |
| Equity capital to assets | 9.9654% | 4,388 |
| Core capital (leverage) ratio | 9.9290% | 3,534 |
| Tier 1 risk-based capital ratio | 18.5686% | 2,073 |
| Total risk-based capital ratio | 19.8227% | 2,032 |
| Memoranda: | ||
| Average total assets | $43,851,250 | 6,600 |
| Average earning assets | $39,899,750 | 6,593 |
| Average equity | $4,481,750 | 6,648 |
| Average total loans | $24,926,250 | 6,483 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1509% | 2,455 |
| Cost of funding earning assets | 0.5247% | 6,763 |
| Net interest margin | 4.6263% | 863 |
| Noninterest income to average assets | 0.7672% | 2,169 |
| Noninterest expense to average assets | 3.9737% | 1,089 |
| Loan and lease loss provision to assets | 0.0505% | 5,679 |
| Net operating income to assets | 0.9555% | 2,413 |
| Return on assets (ROA) | 0.9555% | 2,510 |
| Pretax return on assets | 0.9555% | 3,407 |
| Return on Equity (ROE) | 9.2698% | 2,395 |
| Retained earnings to average equity (ytd only) | 2.0501% | 4,953 |
| Net charge-offs to loans | 0.1508% | 4,283 |
| Credit loss provision to net charge-offs | 57.8947% | 4,397 |
| Earnings coverage of net charge-offs (x) | 11.5263% | 1,709 |
| Efficiency ratio | 79.7970% | 2,418 |
| Assets per employee ($millions) | 2.2598% | 7,147 |
| Cash dividends to net income (ytd only)* | 77.8846% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 4,284 |
| Loan loss allowance to noncurrent loans | 129.5374% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 1.0783% | 4,724 |
| Noncurrent loans to loans | 1.1291% | 4,772 |
| Net loans and leases to total assets | 57.1116% | 4,804 |
| Net loans and leases to deposits | 64.1937% | 5,243 |
| Net loans and leases to core deposits | 65.3014% | 5,582 |
| Total domestic deposits to total assets | 88.9676% | 1,549 |
| Equity capital to assets | 10.4735% | 3,541 |
| Core capital (leverage) ratio | 9.9031% | 3,384 |
| Tier 1 risk-based capital ratio | 19.9409% | 1,618 |
| Total risk-based capital ratio | 21.1959% | 1,594 |
| Memoranda: | ||
| Average total assets | $43,536,670 | 6,660 |
| Average earning assets | $39,643,330 | 6,654 |
| Average equity | $4,487,670 | 6,682 |
| Average total loans | $25,192,670 | 6,530 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1186% | 2,564 |
| Cost of funding earning assets | 0.5509% | 6,801 |
| Net interest margin | 4.5677% | 920 |
| Noninterest income to average assets | 0.7665% | 2,180 |
| Noninterest expense to average assets | 3.9237% | 1,144 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0037% | 2,173 |
| Return on assets (ROA) | 1.0037% | 2,222 |
| Pretax return on assets | 1.0037% | 3,124 |
| Return on Equity (ROE) | 9.8149% | 2,165 |
| Retained earnings to average equity (ytd only) | 6.0674% | 2,599 |
| Net charge-offs to loans | 0.0316% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 534 |
| Efficiency ratio | 79.6296% | 2,596 |
| Assets per employee ($millions) | 2.3464% | 7,147 |
| Cash dividends to net income (ytd only)* | 38.1818% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 4,427 |
| Loan loss allowance to noncurrent loans | 160.1732% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 4,994 |
| Noncurrent loans to loans | 0.9068% | 5,233 |
| Net loans and leases to total assets | 56.3132% | 4,944 |
| Net loans and leases to deposits | 63.0494% | 5,376 |
| Net loans and leases to core deposits | 64.9329% | 5,630 |
| Total domestic deposits to total assets | 89.3161% | 1,585 |
| Equity capital to assets | 10.1187% | 3,632 |
| Core capital (leverage) ratio | 10.0270% | 3,111 |
| Tier 1 risk-based capital ratio | 19.1275% | 1,770 |
| Total risk-based capital ratio | 20.3821% | 1,735 |
| Memoranda: | ||
| Average total assets | $43,836,500 | 6,699 |
| Average earning assets | $39,933,000 | 6,690 |
| Average equity | $4,483,000 | 6,714 |
| Average total loans | $25,346,000 | 6,569 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6282% | 1,801 |
| Cost of funding earning assets | 0.7164% | 6,835 |
| Net interest margin | 4.9118% | 533 |
| Noninterest income to average assets | 0.7735% | 2,412 |
| Noninterest expense to average assets | 4.0037% | 1,155 |
| Loan and lease loss provision to assets | 0.1011% | 6,138 |
| Net operating income to assets | 1.1496% | 1,543 |
| Return on assets (ROA) | 1.1496% | 1,626 |
| Pretax return on assets | 1.1496% | 2,397 |
| Return on Equity (ROE) | 10.7119% | 1,677 |
| Retained earnings to average equity (ytd only) | -2.2344% | 6,003 |
| Net charge-offs to loans | 0.0884% | 5,959 |
| Credit loss provision to net charge-offs | 195.4545% | 1,624 |
| Earnings coverage of net charge-offs (x) | 24.1818% | 875 |
| Efficiency ratio | 76.1969% | 3,025 |
| Assets per employee ($millions) | 2.5348% | 6,957 |
| Cash dividends to net income (ytd only)* | 120.8589% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 4,151 |
| Loan loss allowance to noncurrent loans | 2,657.1429% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 6,075 |
| Noncurrent loans to loans | 0.0555% | 6,989 |
| Net loans and leases to total assets | 57.6557% | 5,075 |
| Net loans and leases to deposits | 64.8525% | 5,532 |
| Net loans and leases to core deposits | 66.8613% | 5,788 |
| Total domestic deposits to total assets | 88.9028% | 1,711 |
| Equity capital to assets | 10.3383% | 3,340 |
| Core capital (leverage) ratio | 9.8514% | 3,261 |
| Tier 1 risk-based capital ratio | 18.7522% | 1,781 |
| Total risk-based capital ratio | 20.0061% | 1,746 |
| Memoranda: | ||
| Average total assets | $42,535,600 | 6,783 |
| Average earning assets | $38,804,400 | 6,770 |
| Average equity | $4,565,000 | 6,798 |
| Average total loans | $24,887,400 | 6,682 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6798% | 1,781 |
| Cost of funding earning assets | 0.7479% | 6,923 |
| Net interest margin | 4.9319% | 520 |
| Noninterest income to average assets | 0.7988% | 2,239 |
| Noninterest expense to average assets | 4.0348% | 1,011 |
| Loan and lease loss provision to assets | 0.0535% | 6,541 |
| Net operating income to assets | 1.2108% | 1,566 |
| Return on assets (ROA) | 1.2108% | 1,648 |
| Pretax return on assets | 1.2108% | 2,450 |
| Return on Equity (ROE) | 11.1774% | 1,728 |
| Retained earnings to average equity (ytd only) | -0.1161% | 5,812 |
| Net charge-offs to loans | 0.0484% | 6,038 |
| Credit loss provision to net charge-offs | 188.8889% | 1,908 |
| Earnings coverage of net charge-offs (x) | 44.6658% | 625 |
| Efficiency ratio | 76.1424% | 2,923 |
| Assets per employee ($millions) | 2.3944% | 7,206 |
| Cash dividends to net income (ytd only)* | 101.0383% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 4,371 |
| Loan loss allowance to noncurrent loans | 2,393.3333% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 6,164 |
| Noncurrent loans to loans | 0.0591% | 7,092 |
| Net loans and leases to total assets | 58.0302% | 5,263 |
| Net loans and leases to deposits | 65.4893% | 5,722 |
| Net loans and leases to core deposits | 66.1492% | 6,110 |
| Total domestic deposits to total assets | 88.6102% | 1,616 |
| Equity capital to assets | 10.6357% | 3,368 |
| Core capital (leverage) ratio | 10.3070% | 2,907 |
| Tier 1 risk-based capital ratio | 19.0323% | 1,744 |
| Total risk-based capital ratio | 20.2854% | 1,705 |
| Memoranda: | ||
| Average total assets | $42,396,500 | 6,873 |
| Average earning assets | $38,685,750 | 6,849 |
| Average equity | $4,592,500 | 6,874 |
| Average total loans | $24,805,000 | 6,772 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7305% | 1,652 |
| Cost of funding earning assets | 0.7814% | 6,972 |
| Net interest margin | 4.9491% | 471 |
| Noninterest income to average assets | 0.7780% | 2,246 |
| Noninterest expense to average assets | 4.0368% | 1,002 |
| Loan and lease loss provision to assets | 0.0664% | 6,287 |
| Net operating income to assets | 1.1812% | 1,609 |
| Return on assets (ROA) | 1.1812% | 1,678 |
| Pretax return on assets | 1.1812% | 2,475 |
| Return on Equity (ROE) | 10.8371% | 1,796 |
| Retained earnings to average equity (ytd only) | -1.1316% | 6,001 |
| Net charge-offs to loans | 0.0569% | 5,593 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 37.5714% | 768 |
| Efficiency ratio | 76.3914% | 3,003 |
| Assets per employee ($millions) | 2.3799% | 7,255 |
| Cash dividends to net income (ytd only)* | 110.4418% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 4,348 |
| Loan loss allowance to noncurrent loans | 2,105.8824% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 6,169 |
| Noncurrent loans to loans | 0.0673% | 7,145 |
| Net loans and leases to total assets | 58.1540% | 5,392 |
| Net loans and leases to deposits | 65.6114% | 5,858 |
| Net loans and leases to core deposits | 66.5154% | 6,201 |
| Total domestic deposits to total assets | 88.6339% | 1,653 |
| Equity capital to assets | 10.7405% | 3,136 |
| Core capital (leverage) ratio | 10.3574% | 2,762 |
| Tier 1 risk-based capital ratio | 18.8728% | 1,747 |
| Total risk-based capital ratio | 20.1257% | 1,719 |
| Memoranda: | ||
| Average total assets | $42,162,000 | 6,927 |
| Average earning assets | $38,391,000 | 6,913 |
| Average equity | $4,595,330 | 6,905 |
| Average total loans | $24,616,670 | 6,827 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8170% | 1,411 |
| Cost of funding earning assets | 0.8295% | 7,003 |
| Net interest margin | 4.9875% | 426 |
| Noninterest income to average assets | 0.8129% | 1,953 |
| Noninterest expense to average assets | 4.0551% | 951 |
| Loan and lease loss provision to assets | 0.1339% | 5,222 |
| Net operating income to assets | 1.1668% | 1,625 |
| Return on assets (ROA) | 1.1668% | 1,704 |
| Pretax return on assets | 1.1668% | 2,486 |
| Return on Equity (ROE) | 10.6260% | 1,896 |
| Retained earnings to average equity (ytd only) | -3.5710% | 6,439 |
| Net charge-offs to loans | 0.1317% | 4,168 |
| Credit loss provision to net charge-offs | 175.0000% | 2,080 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,308 |
| Efficiency ratio | 75.7143% | 3,272 |
| Assets per employee ($millions) | 2.3112% | 7,450 |
| Cash dividends to net income (ytd only)* | 133.6066% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 4,097 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 5,719 |
| Noncurrent loans to loans | 0.0698% | 7,218 |
| Net loans and leases to total assets | 57.6799% | 5,500 |
| Net loans and leases to deposits | 65.2881% | 5,899 |
| Net loans and leases to core deposits | 65.7551% | 6,306 |
| Total domestic deposits to total assets | 88.3467% | 1,883 |
| Equity capital to assets | 11.0067% | 2,754 |
| Core capital (leverage) ratio | 10.4337% | 2,689 |
| Tier 1 risk-based capital ratio | 19.1363% | 1,688 |
| Total risk-based capital ratio | 20.3891% | 1,655 |
| Memoranda: | ||
| Average total assets | $41,824,000 | 7,025 |
| Average earning assets | $38,095,000 | 7,016 |
| Average equity | $4,592,500 | 6,979 |
| Average total loans | $24,290,000 | 6,926 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0537% | 1,661 |
| Cost of funding earning assets | 1.1781% | 6,739 |
| Net interest margin | 4.8756% | 589 |
| Noninterest income to average assets | 1.0854% | 1,308 |
| Noninterest expense to average assets | 4.1478% | 1,164 |
| Loan and lease loss provision to assets | 0.1171% | 6,476 |
| Net operating income to assets | 1.2431% | 1,146 |
| Return on assets (ROA) | 1.2431% | 1,200 |
| Pretax return on assets | 1.2431% | 1,843 |
| Return on Equity (ROE) | 11.3810% | 1,325 |
| Retained earnings to average equity (ytd only) | 0.9192% | 4,380 |
| Net charge-offs to loans | 0.0388% | 6,728 |
| Credit loss provision to net charge-offs | 544.4444% | 554 |
| Earnings coverage of net charge-offs (x) | 63.2222% | 430 |
| Efficiency ratio | 75.3038% | 3,650 |
| Assets per employee ($millions) | 2.1023% | 7,651 |
| Cash dividends to net income (ytd only)* | 91.9231% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 3,984 |
| Loan loss allowance to noncurrent loans | 1,210.3448% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 5,605 |
| Noncurrent loans to loans | 0.1197% | 7,121 |
| Net loans and leases to total assets | 56.7854% | 5,855 |
| Net loans and leases to deposits | 66.9170% | 5,957 |
| Net loans and leases to core deposits | 82.1215% | 5,898 |
| Total domestic deposits to total assets | 84.8594% | 3,616 |
| Equity capital to assets | 10.9547% | 2,738 |
| Core capital (leverage) ratio | 10.5158% | 2,589 |
| Tier 1 risk-based capital ratio | 19.0690% | 1,639 |
| Total risk-based capital ratio | 20.3231% | 1,603 |
| Memoranda: | ||
| Average total assets | $41,829,800 | 7,029 |
| Average earning assets | $37,943,800 | 7,016 |
| Average equity | $4,569,000 | 7,092 |
| Average total loans | $23,193,400 | 7,015 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0895% | 1,689 |
| Cost of funding earning assets | 1.2559% | 6,693 |
| Net interest margin | 4.8336% | 647 |
| Noninterest income to average assets | 1.0851% | 1,350 |
| Noninterest expense to average assets | 4.1331% | 1,101 |
| Loan and lease loss provision to assets | 0.0447% | 6,924 |
| Net operating income to assets | 1.2926% | 1,238 |
| Return on assets (ROA) | 1.2926% | 1,312 |
| Pretax return on assets | 1.2926% | 1,970 |
| Return on Equity (ROE) | 11.8425% | 1,395 |
| Retained earnings to average equity (ytd only) | 1.1404% | 4,684 |
| Net charge-offs to loans | 0.0523% | 6,186 |
| Credit loss provision to net charge-offs | 155.5556% | 3,064 |
| Earnings coverage of net charge-offs (x) | 46.5542% | 674 |
| Efficiency ratio | 75.5543% | 3,581 |
| Assets per employee ($millions) | 2.1994% | 7,612 |
| Cash dividends to net income (ytd only)* | 90.3702% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 4,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 7,340 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 56.3234% | 6,108 |
| Net loans and leases to deposits | 65.7036% | 6,335 |
| Net loans and leases to core deposits | 79.3106% | 6,400 |
| Total domestic deposits to total assets | 85.7235% | 2,847 |
| Equity capital to assets | 11.0603% | 2,961 |
| Core capital (leverage) ratio | 10.5646% | 2,745 |
| Tier 1 risk-based capital ratio | 19.3953% | 1,668 |
| Total risk-based capital ratio | 20.6455% | 1,630 |
| Memoranda: | ||
| Average total assets | $41,775,750 | 7,083 |
| Average earning assets | $37,900,250 | 7,076 |
| Average equity | $4,559,750 | 7,159 |
| Average total loans | $22,935,000 | 7,092 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1500% | 1,616 |
| Cost of funding earning assets | 1.3213% | 6,731 |
| Net interest margin | 4.8287% | 622 |
| Noninterest income to average assets | 1.1156% | 1,275 |
| Noninterest expense to average assets | 4.1320% | 1,155 |
| Loan and lease loss provision to assets | 0.0335% | 6,902 |
| Net operating income to assets | 1.3071% | 1,215 |
| Return on assets (ROA) | 1.3071% | 1,292 |
| Pretax return on assets | 1.3071% | 2,003 |
| Return on Equity (ROE) | 12.0291% | 1,404 |
| Retained earnings to average equity (ytd only) | 0.8372% | 4,851 |
| Net charge-offs to loans | 0.0177% | 6,275 |
| Credit loss provision to net charge-offs | 350.0000% | 1,323 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 286 |
| Efficiency ratio | 75.5031% | 3,787 |
| Assets per employee ($millions) | 2.1936% | 7,680 |
| Cash dividends to net income (ytd only)* | 93.0403% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 3,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 7,357 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 54.0357% | 6,448 |
| Net loans and leases to deposits | 61.0822% | 6,811 |
| Net loans and leases to core deposits | 74.1530% | 6,780 |
| Total domestic deposits to total assets | 88.4639% | 1,545 |
| Equity capital to assets | 10.8714% | 3,043 |
| Core capital (leverage) ratio | 10.6958% | 2,672 |
| Tier 1 risk-based capital ratio | 20.0359% | 1,575 |
| Total risk-based capital ratio | 21.2873% | 1,536 |
| Memoranda: | ||
| Average total assets | $41,771,330 | 7,143 |
| Average earning assets | $37,691,000 | 7,146 |
| Average equity | $4,539,000 | 7,231 |
| Average total loans | $22,629,000 | 7,172 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2718% | 1,384 |
| Cost of funding earning assets | 1.4317% | 6,630 |
| Net interest margin | 4.8401% | 562 |
| Noninterest income to average assets | 1.0713% | 1,293 |
| Noninterest expense to average assets | 3.9313% | 1,268 |
| Loan and lease loss provision to assets | 0.0670% | 6,110 |
| Net operating income to assets | 1.4061% | 1,127 |
| Return on assets (ROA) | 1.4061% | 1,212 |
| Pretax return on assets | 1.4061% | 1,950 |
| Return on Equity (ROE) | 12.9430% | 1,407 |
| Retained earnings to average equity (ytd only) | 1.6729% | 4,907 |
| Net charge-offs to loans | 0.0355% | 5,014 |
| Credit loss provision to net charge-offs | 350.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 535 |
| Efficiency ratio | 72.7434% | 4,051 |
| Assets per employee ($millions) | 1.9747% | 7,916 |
| Cash dividends to net income (ytd only)* | 87.0748% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 3,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 7,299 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 53.9910% | 6,467 |
| Net loans and leases to deposits | 61.1838% | 6,800 |
| Net loans and leases to core deposits | 73.2121% | 6,856 |
| Total domestic deposits to total assets | 88.2439% | 1,615 |
| Equity capital to assets | 11.0736% | 2,904 |
| Core capital (leverage) ratio | 10.4579% | 2,975 |
| Tier 1 risk-based capital ratio | 19.9314% | 1,635 |
| Total risk-based capital ratio | 21.1854% | 1,592 |
| Memoranda: | ||
| Average total assets | $41,818,000 | 7,174 |
| Average earning assets | $37,437,500 | 7,199 |
| Average equity | $4,543,000 | 7,274 |
| Average total loans | $22,525,000 | 7,215 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5808% | 2,574 |
| Cost of funding earning assets | 2.0015% | 6,414 |
| Net interest margin | 4.5793% | 1,234 |
| Noninterest income to average assets | 1.1549% | 1,157 |
| Noninterest expense to average assets | 3.9568% | 1,475 |
| Loan and lease loss provision to assets | 0.0703% | 6,518 |
| Net operating income to assets | 1.2604% | 1,603 |
| Return on assets (ROA) | 1.2604% | 1,548 |
| Pretax return on assets | 1.2604% | 2,444 |
| Return on Equity (ROE) | 12.4095% | 1,475 |
| Retained earnings to average equity (ytd only) | 2.3527% | 3,738 |
| Net charge-offs to loans | 0.1108% | 5,165 |
| Credit loss provision to net charge-offs | 120.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | 22.7200% | 1,458 |
| Efficiency ratio | 74.8339% | 3,432 |
| Assets per employee ($millions) | 2.3427% | 7,500 |
| Cash dividends to net income (ytd only)* | 81.0409% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 3,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 7,199 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 52.2505% | 6,825 |
| Net loans and leases to deposits | 58.9417% | 7,153 |
| Net loans and leases to core deposits | 70.3054% | 7,172 |
| Total domestic deposits to total assets | 88.6478% | 1,185 |
| Equity capital to assets | 10.6574% | 3,333 |
| Core capital (leverage) ratio | 10.3669% | 3,102 |
| Tier 1 risk-based capital ratio | 20.0564% | 1,610 |
| Total risk-based capital ratio | 21.3143% | 1,572 |
| Memoranda: | ||
| Average total assets | $42,686,400 | 7,090 |
| Average earning assets | $38,521,200 | 7,110 |
| Average equity | $4,335,400 | 7,381 |
| Average total loans | $22,559,600 | 7,162 |