Home > Commercial Bank > Performance and Condition Ratios
Commercial 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 | 5.5749% | 1,065 |
| Cost of funding earning assets | 1.2255% | 2,742 |
| Net interest margin | 4.3494% | 750 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.5174% | 2,247 |
| Loan and lease loss provision to assets | 0.3900% | 250 |
| Net operating income to assets | 1.1759% | 1,703 |
| Return on assets (ROA) | 1.1637% | 1,721 |
| Pretax return on assets | 1.3490% | 1,743 |
| Return on Equity (ROE) | 11.3800% | 2,130 |
| Retained earnings to average equity (ytd only) | 5.6232% | 2,374 |
| Net charge-offs to loans | 0.9306% | 113 |
| Credit loss provision to net charge-offs | 69.5291% | 2,089 |
| Earnings coverage of net charge-offs (x) | 3.0997% | 2,659 |
| Efficiency ratio | 58.8905% | 3,201 |
| Assets per employee ($millions) | 7.2537% | 1,901 |
| Cash dividends to net income (ytd only)* | 50.6073% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 1,435 |
| 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 | 62.6900% | 2,610 |
| Net loans and leases to deposits | 70.2169% | 2,880 |
| Net loans and leases to core deposits | 80.1520% | 2,694 |
| Total domestic deposits to total assets | 89.2900% | 982 |
| Equity capital to assets | 10.4897% | 1,725 |
| Core capital (leverage) ratio | 13.0257% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1301% | 1,061 |
| Memoranda: | ||
| Average total assets | $63,675,600 | 4,175 |
| Average earning assets | $60,628,800 | 4,128 |
| Average equity | $6,508,800 | 4,113 |
| Average total loans | $38,792,400 | 4,014 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4965% | 1,017 |
| Cost of funding earning assets | 1.1064% | 2,723 |
| Net interest margin | 4.3901% | 710 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.5307% | 2,132 |
| Loan and lease loss provision to assets | 0.4700% | 167 |
| Net operating income to assets | 1.1375% | 1,947 |
| Return on assets (ROA) | 1.1210% | 1,966 |
| Pretax return on assets | 1.2896% | 2,070 |
| Return on Equity (ROE) | 11.0400% | 2,364 |
| Retained earnings to average equity (ytd only) | 3.2585% | 3,451 |
| Net charge-offs to loans | 1.2628% | 73 |
| Credit loss provision to net charge-offs | 62.3269% | 1,848 |
| Earnings coverage of net charge-offs (x) | 2.3435% | 2,487 |
| Efficiency ratio | 58.6712% | 3,125 |
| Assets per employee ($millions) | 7.8494% | 1,429 |
| Cash dividends to net income (ytd only)* | 70.4887% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 1,382 |
| Loan loss allowance to noncurrent loans | 1,220.0000% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 3,125 |
| Noncurrent loans to loans | 0.1162% | 2,987 |
| Net loans and leases to total assets | 60.8100% | 2,770 |
| Net loans and leases to deposits | 67.8911% | 2,987 |
| Net loans and leases to core deposits | 76.3384% | 2,845 |
| Total domestic deposits to total assets | 89.5700% | 1,046 |
| Equity capital to assets | 9.9482% | 1,859 |
| Core capital (leverage) ratio | 12.7533% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1730% | 1,071 |
| Memoranda: | ||
| Average total assets | $63,273,750 | 4,195 |
| Average earning assets | $60,255,000 | 4,156 |
| Average equity | $6,424,000 | 4,120 |
| Average total loans | $38,114,750 | 4,033 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3028% | 1,077 |
| Cost of funding earning assets | 0.8843% | 2,976 |
| Net interest margin | 4.4184% | 684 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.5318% | 2,115 |
| Loan and lease loss provision to assets | 0.4700% | 161 |
| Net operating income to assets | 1.1566% | 1,955 |
| Return on assets (ROA) | 1.1319% | 2,027 |
| Pretax return on assets | 1.3053% | 2,071 |
| Return on Equity (ROE) | 11.0800% | 2,396 |
| Retained earnings to average equity (ytd only) | 4.9051% | 2,963 |
| Net charge-offs to loans | 1.9046% | 49 |
| Credit loss provision to net charge-offs | 41.5512% | 1,707 |
| Earnings coverage of net charge-offs (x) | 1.5873% | 2,360 |
| Efficiency ratio | 58.3576% | 3,152 |
| Assets per employee ($millions) | 7.8210% | 1,407 |
| Cash dividends to net income (ytd only)* | 55.7103% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 2,198 |
| Loan loss allowance to noncurrent loans | 526.6667% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 2,544 |
| Noncurrent loans to loans | 0.2364% | 2,313 |
| Net loans and leases to total assets | 60.0800% | 2,765 |
| Net loans and leases to deposits | 67.4423% | 2,953 |
| Net loans and leases to core deposits | 78.0593% | 2,607 |
| Total domestic deposits to total assets | 89.0800% | 1,230 |
| Equity capital to assets | 10.3615% | 1,649 |
| Core capital (leverage) ratio | 12.8065% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4207% | 1,046 |
| Memoranda: | ||
| Average total assets | $63,433,333 | 4,214 |
| Average earning assets | $60,383,667 | 4,175 |
| Average equity | $6,483,000 | 4,139 |
| Average total loans | $37,908,000 | 4,050 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2851% | 843 |
| Cost of funding earning assets | 0.8742% | 2,459 |
| Net interest margin | 4.4109% | 669 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.5178% | 2,204 |
| Loan and lease loss provision to assets | 0.4700% | 167 |
| Net operating income to assets | 1.1086% | 2,199 |
| Return on assets (ROA) | 1.1086% | 2,165 |
| Pretax return on assets | 1.3215% | 2,112 |
| Return on Equity (ROE) | 10.9200% | 2,517 |
| Retained earnings to average equity (ytd only) | -1.4191% | 4,160 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.4302% | 3,141 |
| Assets per employee ($millions) | 7.7798% | 1,472 |
| Cash dividends to net income (ytd only)* | 112.9944% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0833% | 385 |
| Loan loss allowance to noncurrent loans | 152.0000% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.8034% | 591 |
| Noncurrent loans to loans | 1.3706% | 481 |
| Net loans and leases to total assets | 57.3900% | 2,920 |
| Net loans and leases to deposits | 64.3163% | 3,059 |
| Net loans and leases to core deposits | 77.1141% | 2,450 |
| Total domestic deposits to total assets | 89.2300% | 1,454 |
| Equity capital to assets | 10.4261% | 1,600 |
| Core capital (leverage) ratio | 12.3052% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2138% | 964 |
| Memoranda: | ||
| Average total assets | $63,866,000 | 4,267 |
| Average earning assets | $60,396,500 | 4,228 |
| Average equity | $6,483,000 | 4,189 |
| Average total loans | $37,829,500 | 4,108 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 782 |
| Cost of funding earning assets | 0.4330% | 1,840 |
| Net interest margin | 4.0273% | 755 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.3565% | 2,563 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 1.1341% | 2,036 |
| Return on assets (ROA) | 1.1341% | 1,981 |
| Pretax return on assets | 1.2918% | 2,114 |
| Return on Equity (ROE) | 10.5700% | 2,622 |
| Retained earnings to average equity (ytd only) | 2.4835% | 3,862 |
| Net charge-offs to loans | 0.3167% | 237 |
| Credit loss provision to net charge-offs | 173.9130% | 1,200 |
| Earnings coverage of net charge-offs (x) | 8.8609% | 2,247 |
| Efficiency ratio | 59.4509% | 3,124 |
| Assets per employee ($millions) | 8.1868% | 1,236 |
| Cash dividends to net income (ytd only)* | 76.4951% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7484% | 734 |
| Loan loss allowance to noncurrent loans | 125.6881% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.8321% | 558 |
| Noncurrent loans to loans | 1.3911% | 485 |
| Net loans and leases to total assets | 58.7700% | 2,755 |
| Net loans and leases to deposits | 66.8542% | 2,828 |
| Net loans and leases to core deposits | 82.9272% | 1,940 |
| Total domestic deposits to total assets | 87.9100% | 2,100 |
| Equity capital to assets | 9.8895% | 1,764 |
| Core capital (leverage) ratio | 12.8593% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1709% | 1,100 |
| Memoranda: | ||
| Average total assets | $63,400,200 | 4,300 |
| Average earning assets | $60,512,200 | 4,254 |
| Average equity | $6,804,800 | 4,237 |
| Average total loans | $36,307,000 | 4,130 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 693 |
| Cost of funding earning assets | 0.3492% | 1,712 |
| Net interest margin | 3.9743% | 676 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.4343% | 2,207 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 1.0921% | 2,135 |
| Return on assets (ROA) | 1.0921% | 2,098 |
| Pretax return on assets | 1.2363% | 2,240 |
| Return on Equity (ROE) | 9.9700% | 2,734 |
| Retained earnings to average equity (ytd only) | -0.6776% | 4,402 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.8534% | 2,844 |
| Assets per employee ($millions) | 7.8194% | 1,417 |
| Cash dividends to net income (ytd only)* | 106.7961% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0712% | 438 |
| Loan loss allowance to noncurrent loans | 122.8814% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 484 |
| Noncurrent loans to loans | 1.6855% | 388 |
| Net loans and leases to total assets | 54.8000% | 3,025 |
| Net loans and leases to deposits | 61.2125% | 3,090 |
| Net loans and leases to core deposits | 76.3963% | 2,171 |
| Total domestic deposits to total assets | 89.5200% | 1,863 |
| Equity capital to assets | 9.9800% | 1,635 |
| Core capital (leverage) ratio | 12.3463% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7530% | 1,035 |
| Memoranda: | ||
| Average total assets | $62,876,750 | 4,340 |
| Average earning assets | $60,320,000 | 4,291 |
| Average equity | $6,886,750 | 4,274 |
| Average total loans | $35,589,000 | 4,164 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2196% | 610 |
| Cost of funding earning assets | 0.2877% | 1,824 |
| Net interest margin | 3.9319% | 578 |
| Noninterest income to average assets | 0.1175% | 4,411 |
| Noninterest expense to average assets | 2.4133% | 2,191 |
| Loan and lease loss provision to assets | 0.1588% | 590 |
| Net operating income to assets | 1.1622% | 1,564 |
| Return on assets (ROA) | 1.1622% | 1,539 |
| Pretax return on assets | 1.3210% | 1,681 |
| Return on Equity (ROE) | 10.3079% | 2,228 |
| Retained earnings to average equity (ytd only) | 1.8588% | 3,795 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9902% | 3,047 |
| Assets per employee ($millions) | 8.0198% | 1,293 |
| Cash dividends to net income (ytd only)* | 81.9672% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8610% | 726 |
| Loan loss allowance to noncurrent loans | 102.3622% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.9897% | 477 |
| Noncurrent loans to loans | 1.8181% | 367 |
| Net loans and leases to total assets | 53.4259% | 3,014 |
| Net loans and leases to deposits | 59.7994% | 3,062 |
| Net loans and leases to core deposits | 76.0646% | 2,009 |
| Total domestic deposits to total assets | 89.3419% | 2,030 |
| Equity capital to assets | 10.4227% | 1,469 |
| Core capital (leverage) ratio | 11.8728% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4187% | 932 |
| Memoranda: | ||
| Average total assets | $62,984,000 | 4,383 |
| Average earning assets | $60,480,000 | 4,349 |
| Average equity | $7,101,333 | 4,306 |
| Average total loans | $35,784,000 | 4,216 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 589 |
| Cost of funding earning assets | 0.2591% | 2,052 |
| Net interest margin | 3.8799% | 527 |
| Noninterest income to average assets | 0.1282% | 4,368 |
| Noninterest expense to average assets | 2.5194% | 1,837 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1924% | 1,266 |
| Return on assets (ROA) | 1.1924% | 1,259 |
| Pretax return on assets | 1.3526% | 1,375 |
| Return on Equity (ROE) | 10.1799% | 1,895 |
| Retained earnings to average equity (ytd only) | -6.2393% | 4,465 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0662% | 2,899 |
| Assets per employee ($millions) | 8.2269% | 1,241 |
| Cash dividends to net income (ytd only)* | 161.2903% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7025% | 1,050 |
| 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 | 52.6369% | 2,925 |
| Net loans and leases to deposits | 60.7314% | 2,829 |
| Net loans and leases to core deposits | 77.3488% | 1,666 |
| Total domestic deposits to total assets | 86.6717% | 3,046 |
| Equity capital to assets | 10.6298% | 1,532 |
| Core capital (leverage) ratio | 11.8427% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6085% | 1,613 |
| Memoranda: | ||
| Average total assets | $62,397,000 | 4,415 |
| Average earning assets | $60,208,500 | 4,374 |
| Average equity | $7,308,500 | 4,331 |
| Average total loans | $36,212,500 | 4,226 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9306% | 284 |
| Cost of funding earning assets | 0.2936% | 2,462 |
| Net interest margin | 4.6370% | 222 |
| Noninterest income to average assets | 0.1282% | 4,505 |
| Noninterest expense to average assets | 2.7265% | 1,560 |
| Loan and lease loss provision to assets | -0.2017% | 4,703 |
| Net operating income to assets | 1.7921% | 515 |
| Return on assets (ROA) | 1.7966% | 530 |
| Pretax return on assets | 2.0633% | 540 |
| Return on Equity (ROE) | 14.5367% | 1,059 |
| Retained earnings to average equity (ytd only) | 9.0041% | 1,204 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4927% | 3,228 |
| Assets per employee ($millions) | 7.3724% | 1,682 |
| Cash dividends to net income (ytd only)* | 38.0590% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 1,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 62.0255% | 1,942 |
| Net loans and leases to deposits | 73.8583% | 1,732 |
| Net loans and leases to core deposits | 93.9759% | 783 |
| Total domestic deposits to total assets | 83.9790% | 3,570 |
| Equity capital to assets | 12.9215% | 925 |
| Core capital (leverage) ratio | 13.0192% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1170% | 1,018 |
| Memoranda: | ||
| Average total assets | $58,499,600 | 4,472 |
| Average earning assets | $56,200,200 | 4,438 |
| Average equity | $7,230,000 | 4,402 |
| Average total loans | $36,521,800 | 4,259 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 340 |
| Cost of funding earning assets | 0.3045% | 2,550 |
| Net interest margin | 4.6342% | 249 |
| Noninterest income to average assets | 0.1302% | 4,547 |
| Noninterest expense to average assets | 2.6493% | 1,710 |
| Loan and lease loss provision to assets | 0.0411% | 2,175 |
| Net operating income to assets | 1.6134% | 1,005 |
| Return on assets (ROA) | 1.6192% | 1,030 |
| Pretax return on assets | 1.8956% | 957 |
| Return on Equity (ROE) | 13.2540% | 1,629 |
| Retained earnings to average equity (ytd only) | 5.7764% | 2,922 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8554% | 3,286 |
| Assets per employee ($millions) | 7.4580% | 1,592 |
| Cash dividends to net income (ytd only)* | 56.4175% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9836% | 656 |
| Loan loss allowance to noncurrent loans | 36,800.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,246 |
| Noncurrent loans to loans | 0.0054% | 4,175 |
| Net loans and leases to total assets | 60.9547% | 2,142 |
| Net loans and leases to deposits | 72.3669% | 2,017 |
| Net loans and leases to core deposits | 92.2975% | 914 |
| Total domestic deposits to total assets | 84.2300% | 3,394 |
| Equity capital to assets | 12.2955% | 1,261 |
| Core capital (leverage) ratio | 12.3078% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5527% | 1,235 |
| Memoranda: | ||
| Average total assets | $58,379,750 | 4,531 |
| Average earning assets | $56,045,500 | 4,495 |
| Average equity | $7,132,250 | 4,473 |
| Average total loans | $36,356,750 | 4,318 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 424 |
| Cost of funding earning assets | 0.3158% | 2,634 |
| Net interest margin | 4.5610% | 320 |
| Noninterest income to average assets | 0.1346% | 4,529 |
| Noninterest expense to average assets | 2.6263% | 1,787 |
| Loan and lease loss provision to assets | 0.0414% | 2,179 |
| Net operating income to assets | 1.5811% | 1,088 |
| Return on assets (ROA) | 1.5841% | 1,140 |
| Pretax return on assets | 1.8567% | 1,106 |
| Return on Equity (ROE) | 12.9949% | 1,722 |
| Retained earnings to average equity (ytd only) | 7.3326% | 2,313 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0916% | 3,272 |
| Assets per employee ($millions) | 7.2779% | 1,610 |
| Cash dividends to net income (ytd only)* | 43.5730% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0249% | 581 |
| Loan loss allowance to noncurrent loans | 5,615.3846% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 4,119 |
| Noncurrent loans to loans | 0.0361% | 4,016 |
| Net loans and leases to total assets | 60.6667% | 2,340 |
| Net loans and leases to deposits | 72.2494% | 2,187 |
| Net loans and leases to core deposits | 92.8598% | 958 |
| Total domestic deposits to total assets | 83.9685% | 3,452 |
| Equity capital to assets | 12.4882% | 1,138 |
| Core capital (leverage) ratio | 12.0594% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9788% | 1,124 |
| Memoranda: | ||
| Average total assets | $57,951,667 | 4,562 |
| Average earning assets | $55,733,000 | 4,526 |
| Average equity | $7,064,333 | 4,503 |
| Average total loans | $36,107,667 | 4,357 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 497 |
| Cost of funding earning assets | 0.3241% | 2,762 |
| Net interest margin | 4.4579% | 384 |
| Noninterest income to average assets | 0.1453% | 4,478 |
| Noninterest expense to average assets | 2.6083% | 1,868 |
| Loan and lease loss provision to assets | 0.0415% | 2,230 |
| Net operating income to assets | 1.5082% | 1,310 |
| Return on assets (ROA) | 1.5082% | 1,370 |
| Pretax return on assets | 1.7781% | 1,334 |
| Return on Equity (ROE) | 12.5269% | 1,826 |
| Retained earnings to average equity (ytd only) | 1.0343% | 4,209 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9063% | 3,166 |
| Assets per employee ($millions) | 7.5396% | 1,429 |
| Cash dividends to net income (ytd only)* | 91.7431% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0653% | 529 |
| Loan loss allowance to noncurrent loans | 1,645.4545% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 3,851 |
| Noncurrent loans to loans | 0.1255% | 3,683 |
| Net loans and leases to total assets | 56.9193% | 2,923 |
| Net loans and leases to deposits | 66.7198% | 2,837 |
| Net loans and leases to core deposits | 88.1687% | 1,359 |
| Total domestic deposits to total assets | 85.3109% | 2,996 |
| Equity capital to assets | 11.4926% | 1,547 |
| Core capital (leverage) ratio | 12.0886% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1656% | 1,252 |
| Memoranda: | ||
| Average total assets | $57,816,000 | 4,586 |
| Average earning assets | $55,541,500 | 4,542 |
| Average equity | $6,961,000 | 4,530 |
| Average total loans | $36,135,500 | 4,377 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8631% | 651 |
| Cost of funding earning assets | 0.5512% | 2,606 |
| Net interest margin | 4.3119% | 497 |
| Noninterest income to average assets | 0.1443% | 4,574 |
| Noninterest expense to average assets | 2.6819% | 2,293 |
| Loan and lease loss provision to assets | 0.1261% | 2,784 |
| Net operating income to assets | 1.2174% | 1,490 |
| Return on assets (ROA) | 1.3556% | 1,203 |
| Pretax return on assets | 1.6004% | 1,075 |
| Return on Equity (ROE) | 11.1872% | 1,562 |
| Retained earnings to average equity (ytd only) | 5.1563% | 2,211 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1670% | 2,947 |
| Assets per employee ($millions) | 6.9144% | 1,631 |
| Cash dividends to net income (ytd only)* | 53.9084% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9293% | 679 |
| Loan loss allowance to noncurrent loans | 944.7368% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 3,604 |
| Noncurrent loans to loans | 0.2042% | 3,480 |
| Net loans and leases to total assets | 65.9803% | 2,093 |
| Net loans and leases to deposits | 79.0680% | 1,971 |
| Net loans and leases to core deposits | 105.0636% | 686 |
| Total domestic deposits to total assets | 83.4475% | 3,278 |
| Equity capital to assets | 12.6367% | 1,260 |
| Core capital (leverage) ratio | 12.4850% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2092% | 1,211 |
| Memoranda: | ||
| Average total assets | $54,737,600 | 4,590 |
| Average earning assets | $52,065,800 | 4,557 |
| Average equity | $6,632,600 | 4,571 |
| Average total loans | $35,967,600 | 4,389 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 728 |
| Cost of funding earning assets | 0.6102% | 2,550 |
| Net interest margin | 4.2921% | 591 |
| Noninterest income to average assets | 0.1490% | 4,556 |
| Noninterest expense to average assets | 2.6767% | 2,323 |
| Loan and lease loss provision to assets | 0.1539% | 2,475 |
| Net operating income to assets | 1.1721% | 1,738 |
| Return on assets (ROA) | 1.3506% | 1,329 |
| Pretax return on assets | 1.6021% | 1,179 |
| Return on Equity (ROE) | 11.2683% | 1,600 |
| Retained earnings to average equity (ytd only) | 3.1176% | 3,466 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4259% | 2,838 |
| Assets per employee ($millions) | 6.9611% | 1,533 |
| Cash dividends to net income (ytd only)* | 72.3327% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9894% | 503 |
| Loan loss allowance to noncurrent loans | 66.4799% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.9232% | 361 |
| Noncurrent loans to loans | 2.9925% | 311 |
| Net loans and leases to total assets | 62.9891% | 2,890 |
| Net loans and leases to deposits | 74.7056% | 2,891 |
| Net loans and leases to core deposits | 94.0782% | 1,633 |
| Total domestic deposits to total assets | 84.3165% | 2,703 |
| Equity capital to assets | 12.0006% | 1,675 |
| Core capital (leverage) ratio | 12.4838% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3235% | 1,182 |
| Memoranda: | ||
| Average total assets | $54,593,250 | 4,612 |
| Average earning assets | $51,784,000 | 4,580 |
| Average equity | $6,543,250 | 4,601 |
| Average total loans | $35,655,750 | 4,422 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9796% | 861 |
| Cost of funding earning assets | 0.6969% | 2,402 |
| Net interest margin | 4.2827% | 784 |
| Noninterest income to average assets | 0.1512% | 4,542 |
| Noninterest expense to average assets | 2.6223% | 2,590 |
| Loan and lease loss provision to assets | 0.1770% | 2,249 |
| Net operating income to assets | 1.1852% | 1,685 |
| Return on assets (ROA) | 1.4052% | 1,193 |
| Pretax return on assets | 1.6707% | 1,052 |
| Return on Equity (ROE) | 11.7291% | 1,414 |
| Retained earnings to average equity (ytd only) | 5.5721% | 2,247 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3138% | 3,074 |
| Assets per employee ($millions) | 6.7808% | 1,571 |
| Cash dividends to net income (ytd only)* | 52.4934% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9743% | 457 |
| Loan loss allowance to noncurrent loans | 501.4388% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 3,288 |
| Noncurrent loans to loans | 0.3937% | 2,990 |
| Net loans and leases to total assets | 63.7946% | 2,906 |
| Net loans and leases to deposits | 75.7890% | 2,898 |
| Net loans and leases to core deposits | 95.6416% | 1,600 |
| Total domestic deposits to total assets | 84.1739% | 2,689 |
| Equity capital to assets | 12.1373% | 1,578 |
| Core capital (leverage) ratio | 12.7671% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0547% | 1,046 |
| Memoranda: | ||
| Average total assets | $54,228,000 | 4,631 |
| Average earning assets | $51,370,000 | 4,600 |
| Average equity | $6,496,667 | 4,631 |
| Average total loans | $35,611,000 | 4,438 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0749% | 836 |
| Cost of funding earning assets | 0.8249% | 2,249 |
| Net interest margin | 4.2500% | 831 |
| Noninterest income to average assets | 0.1697% | 4,517 |
| Noninterest expense to average assets | 2.5969% | 2,989 |
| Loan and lease loss provision to assets | 0.1771% | 1,675 |
| Net operating income to assets | 1.1577% | 1,667 |
| Return on assets (ROA) | 1.3353% | 1,235 |
| Pretax return on assets | 1.6009% | 1,050 |
| Return on Equity (ROE) | 11.2196% | 1,347 |
| Retained earnings to average equity (ytd only) | -1.1777% | 4,166 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4113% | 3,449 |
| Assets per employee ($millions) | 6.4381% | 1,378 |
| Cash dividends to net income (ytd only)* | 110.4972% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0602% | 461 |
| Loan loss allowance to noncurrent loans | 393.5673% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 3,115 |
| Noncurrent loans to loans | 0.5235% | 2,691 |
| Net loans and leases to total assets | 62.1182% | 3,287 |
| Net loans and leases to deposits | 73.3135% | 3,333 |
| Net loans and leases to core deposits | 93.2715% | 2,040 |
| Total domestic deposits to total assets | 84.7296% | 2,520 |
| Equity capital to assets | 12.0357% | 2,040 |
| Core capital (leverage) ratio | 12.3688% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0492% | 1,587 |
| Memoranda: | ||
| Average total assets | $54,219,000 | 4,635 |
| Average earning assets | $50,917,500 | 4,624 |
| Average equity | $6,453,000 | 4,672 |
| Average total loans | $35,765,000 | 4,458 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3384% | 763 |
| Cost of funding earning assets | 1.0004% | 1,720 |
| Net interest margin | 4.3379% | 1,005 |
| Noninterest income to average assets | 0.2012% | 4,455 |
| Noninterest expense to average assets | 2.5094% | 3,424 |
| Loan and lease loss provision to assets | 0.1803% | 1,151 |
| Net operating income to assets | 1.3682% | 1,450 |
| Return on assets (ROA) | 1.3363% | 1,634 |
| Pretax return on assets | 1.5888% | 1,517 |
| Return on Equity (ROE) | 11.0522% | 1,862 |
| Retained earnings to average equity (ytd only) | 6.3424% | 1,696 |
| Net charge-offs to loans | 0.0653% | 2,163 |
| Credit loss provision to net charge-offs | 413.0435% | 693 |
| Earnings coverage of net charge-offs (x) | 41.3913% | 1,289 |
| Efficiency ratio | 58.1354% | 3,942 |
| Assets per employee ($millions) | 7.1166% | 998 |
| Cash dividends to net income (ytd only)* | 42.6136% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 850 |
| Loan loss allowance to noncurrent loans | 321.2871% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3548% | 2,980 |
| Noncurrent loans to loans | 0.5198% | 2,624 |
| Net loans and leases to total assets | 67.1210% | 2,810 |
| Net loans and leases to deposits | 84.9483% | 2,211 |
| Net loans and leases to core deposits | 110.8970% | 805 |
| Total domestic deposits to total assets | 79.0139% | 4,185 |
| Equity capital to assets | 11.7805% | 2,297 |
| Core capital (leverage) ratio | 12.3384% | 1,572 |
| Tier 1 risk-based capital ratio | 13.5669% | 3,477 |
| Total risk-based capital ratio | 14.8168% | 3,387 |
| Memoranda: | ||
| Average total assets | $52,681,600 | 4,710 |
| Average earning assets | $49,977,800 | 4,672 |
| Average equity | $6,369,800 | 4,713 |
| Average total loans | $35,245,200 | 4,525 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3425% | 790 |
| Cost of funding earning assets | 1.0197% | 1,680 |
| Net interest margin | 4.3228% | 1,122 |
| Noninterest income to average assets | 0.2144% | 4,441 |
| Noninterest expense to average assets | 2.5649% | 3,259 |
| Loan and lease loss provision to assets | 0.1834% | 987 |
| Net operating income to assets | 1.3448% | 1,658 |
| Return on assets (ROA) | 1.2812% | 2,001 |
| Pretax return on assets | 1.5085% | 1,930 |
| Return on Equity (ROE) | 10.5214% | 2,203 |
| Retained earnings to average equity (ytd only) | 4.1577% | 3,328 |
| Net charge-offs to loans | 0.0311% | 2,453 |
| Credit loss provision to net charge-offs | 887.5000% | 400 |
| Earnings coverage of net charge-offs (x) | 85.4714% | 825 |
| Efficiency ratio | 59.2129% | 3,780 |
| Assets per employee ($millions) | 6.9024% | 1,065 |
| Cash dividends to net income (ytd only)* | 60.4836% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8090% | 665 |
| Loan loss allowance to noncurrent loans | 273.5043% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 2,817 |
| Noncurrent loans to loans | 0.6614% | 2,304 |
| Net loans and leases to total assets | 62.9113% | 3,398 |
| Net loans and leases to deposits | 75.0351% | 3,382 |
| Net loans and leases to core deposits | 97.0634% | 1,896 |
| Total domestic deposits to total assets | 83.8425% | 2,881 |
| Equity capital to assets | 11.8419% | 2,383 |
| Core capital (leverage) ratio | 12.1024% | 1,789 |
| Tier 1 risk-based capital ratio | 13.5782% | 3,526 |
| Total risk-based capital ratio | 14.8289% | 3,447 |
| Memoranda: | ||
| Average total assets | $51,618,750 | 4,792 |
| Average earning assets | $49,164,250 | 4,753 |
| Average equity | $6,285,500 | 4,784 |
| Average total loans | $34,340,750 | 4,610 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3011% | 815 |
| Cost of funding earning assets | 0.9786% | 1,801 |
| Net interest margin | 4.3225% | 1,094 |
| Noninterest income to average assets | 0.2221% | 4,412 |
| Noninterest expense to average assets | 2.6141% | 3,167 |
| Loan and lease loss provision to assets | 0.1864% | 953 |
| Net operating income to assets | 1.3232% | 1,685 |
| Return on assets (ROA) | 1.1424% | 2,438 |
| Pretax return on assets | 1.3289% | 2,443 |
| Return on Equity (ROE) | 9.2888% | 2,735 |
| Retained earnings to average equity (ytd only) | 4.4509% | 3,040 |
| Net charge-offs to loans | 0.0471% | 1,971 |
| Credit loss provision to net charge-offs | 587.5000% | 538 |
| Earnings coverage of net charge-offs (x) | 54.3750% | 1,042 |
| Efficiency ratio | 60.2377% | 3,687 |
| Assets per employee ($millions) | 6.4850% | 1,247 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 721 |
| 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 | 65.9059% | 3,122 |
| Net loans and leases to deposits | 79.6496% | 2,993 |
| Net loans and leases to core deposits | 98.8037% | 1,824 |
| Total domestic deposits to total assets | 82.7448% | 3,292 |
| Equity capital to assets | 12.4518% | 1,886 |
| Core capital (leverage) ratio | 12.7502% | 1,424 |
| Tier 1 risk-based capital ratio | 14.5249% | 3,058 |
| Total risk-based capital ratio | 15.7762% | 2,978 |
| Memoranda: | ||
| Average total assets | $50,418,670 | 4,841 |
| Average earning assets | $48,028,000 | 4,807 |
| Average equity | $6,201,000 | 4,828 |
| Average total loans | $33,994,670 | 4,656 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3181% | 731 |
| Cost of funding earning assets | 0.9924% | 1,594 |
| Net interest margin | 4.3257% | 1,050 |
| Noninterest income to average assets | 0.2254% | 4,394 |
| Noninterest expense to average assets | 2.6727% | 2,986 |
| Loan and lease loss provision to assets | 0.1852% | 887 |
| Net operating income to assets | 1.2932% | 1,719 |
| Return on assets (ROA) | 0.9177% | 3,207 |
| Pretax return on assets | 1.0465% | 3,295 |
| Return on Equity (ROE) | 7.5105% | 3,454 |
| Retained earnings to average equity (ytd only) | -2.3717% | 4,774 |
| Net charge-offs to loans | 0.0953% | 1,179 |
| Credit loss provision to net charge-offs | 287.5000% | 850 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 1,418 |
| Efficiency ratio | 61.7100% | 3,579 |
| Assets per employee ($millions) | 5.9808% | 1,562 |
| Cash dividends to net income (ytd only)* | 131.5789% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 680 |
| 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 | 66.7245% | 2,943 |
| Net loans and leases to deposits | 77.1061% | 3,151 |
| Net loans and leases to core deposits | 95.0319% | 2,023 |
| Total domestic deposits to total assets | 86.5360% | 2,046 |
| Equity capital to assets | 12.8391% | 1,545 |
| Core capital (leverage) ratio | 12.5265% | 1,497 |
| Tier 1 risk-based capital ratio | 15.3577% | 2,722 |
| Total risk-based capital ratio | 16.6108% | 2,637 |
| Memoranda: | ||
| Average total assets | $49,688,000 | 4,902 |
| Average earning assets | $47,160,000 | 4,878 |
| Average equity | $6,071,500 | 4,883 |
| Average total loans | $33,588,000 | 4,713 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0964% | 851 |
| Cost of funding earning assets | 0.7253% | 1,926 |
| Net interest margin | 4.3710% | 999 |
| Noninterest income to average assets | 0.2270% | 4,556 |
| Noninterest expense to average assets | 2.5226% | 3,547 |
| Loan and lease loss provision to assets | 0.1366% | 1,575 |
| Net operating income to assets | 1.4315% | 1,332 |
| Return on assets (ROA) | 1.4782% | 1,172 |
| Pretax return on assets | 1.7754% | 984 |
| Return on Equity (ROE) | 12.6313% | 1,497 |
| Retained earnings to average equity (ytd only) | 7.4827% | 1,464 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6147% | 4,200 |
| Assets per employee ($millions) | 6.4413% | 1,242 |
| Cash dividends to net income (ytd only)* | 40.7609% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6648% | 891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 66.1401% | 3,108 |
| Net loans and leases to deposits | 85.5043% | 2,348 |
| Net loans and leases to core deposits | 103.0913% | 1,501 |
| Total domestic deposits to total assets | 77.3530% | 4,580 |
| Equity capital to assets | 11.6437% | 2,146 |
| Core capital (leverage) ratio | 12.4370% | 1,491 |
| Tier 1 risk-based capital ratio | 14.3778% | 3,121 |
| Total risk-based capital ratio | 15.6296% | 3,039 |
| Memoranda: | ||
| Average total assets | $49,790,400 | 4,937 |
| Average earning assets | $47,288,600 | 4,910 |
| Average equity | $5,826,800 | 4,926 |
| Average total loans | $32,291,800 | 4,759 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0491% | 843 |
| Cost of funding earning assets | 0.6194% | 2,340 |
| Net interest margin | 4.4297% | 849 |
| Noninterest income to average assets | 0.2296% | 4,594 |
| Noninterest expense to average assets | 2.5231% | 3,521 |
| Loan and lease loss provision to assets | 0.1432% | 1,388 |
| Net operating income to assets | 1.4743% | 1,261 |
| Return on assets (ROA) | 1.5371% | 1,102 |
| Pretax return on assets | 1.8505% | 905 |
| Return on Equity (ROE) | 13.1175% | 1,382 |
| Retained earnings to average equity (ytd only) | 6.2014% | 2,548 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8127% | 4,275 |
| Assets per employee ($millions) | 6.1468% | 1,386 |
| Cash dividends to net income (ytd only)* | 52.7239% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7185% | 839 |
| 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 | 65.3618% | 3,265 |
| Net loans and leases to deposits | 84.8473% | 2,496 |
| Net loans and leases to core deposits | 97.7495% | 1,958 |
| Total domestic deposits to total assets | 77.0346% | 4,639 |
| Equity capital to assets | 11.8660% | 1,992 |
| Core capital (leverage) ratio | 12.0661% | 1,749 |
| Tier 1 risk-based capital ratio | 14.5898% | 3,068 |
| Total risk-based capital ratio | 15.8417% | 2,993 |
| Memoranda: | ||
| Average total assets | $49,355,500 | 5,001 |
| Average earning assets | $46,924,250 | 4,966 |
| Average equity | $5,783,500 | 4,983 |
| Average total loans | $31,700,000 | 4,830 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 1,020 |
| Cost of funding earning assets | 0.5112% | 2,921 |
| Net interest margin | 4.3920% | 865 |
| Noninterest income to average assets | 0.2428% | 4,559 |
| Noninterest expense to average assets | 2.4729% | 3,710 |
| Loan and lease loss provision to assets | 0.1255% | 1,579 |
| Net operating income to assets | 1.5039% | 1,152 |
| Return on assets (ROA) | 1.5946% | 937 |
| Pretax return on assets | 1.9265% | 723 |
| Return on Equity (ROE) | 13.6655% | 1,163 |
| Retained earnings to average equity (ytd only) | 8.4629% | 1,422 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0037% | 4,479 |
| Assets per employee ($millions) | 6.3689% | 1,228 |
| Cash dividends to net income (ytd only)* | 38.0711% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 1,083 |
| 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 | 64.7720% | 3,310 |
| Net loans and leases to deposits | 81.8888% | 2,781 |
| Net loans and leases to core deposits | 93.4874% | 2,269 |
| Total domestic deposits to total assets | 79.0976% | 4,412 |
| Equity capital to assets | 11.4679% | 2,223 |
| Core capital (leverage) ratio | 12.1245% | 1,633 |
| Tier 1 risk-based capital ratio | 13.9889% | 3,363 |
| Total risk-based capital ratio | 15.2356% | 3,293 |
| Memoranda: | ||
| Average total assets | $49,416,000 | 5,058 |
| Average earning assets | $46,949,330 | 5,023 |
| Average equity | $5,766,330 | 5,036 |
| Average total loans | $31,365,670 | 4,891 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7384% | 1,217 |
| Cost of funding earning assets | 0.3999% | 3,584 |
| Net interest margin | 4.3384% | 882 |
| Noninterest income to average assets | 0.1973% | 4,840 |
| Noninterest expense to average assets | 2.4420% | 3,833 |
| Loan and lease loss provision to assets | 0.1069% | 1,748 |
| Net operating income to assets | 1.4460% | 1,205 |
| Return on assets (ROA) | 1.6280% | 803 |
| Pretax return on assets | 1.9733% | 604 |
| Return on Equity (ROE) | 13.8268% | 1,053 |
| Retained earnings to average equity (ytd only) | 3.3520% | 3,867 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7878% | 4,489 |
| Assets per employee ($millions) | 5.9530% | 1,551 |
| Cash dividends to net income (ytd only)* | 75.7576% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 946 |
| 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 | 63.3714% | 3,388 |
| Net loans and leases to deposits | 78.5917% | 2,954 |
| Net loans and leases to core deposits | 90.3566% | 2,423 |
| Total domestic deposits to total assets | 80.6337% | 4,290 |
| Equity capital to assets | 11.9415% | 1,834 |
| Core capital (leverage) ratio | 12.3772% | 1,443 |
| Tier 1 risk-based capital ratio | 14.8737% | 2,937 |
| Total risk-based capital ratio | 16.1250% | 2,868 |
| Memoranda: | ||
| Average total assets | $48,648,500 | 5,132 |
| Average earning assets | $46,007,500 | 5,104 |
| Average equity | $5,728,000 | 5,098 |
| Average total loans | $30,277,500 | 4,969 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 1,166 |
| Cost of funding earning assets | 0.3568% | 3,644 |
| Net interest margin | 4.3576% | 848 |
| Noninterest income to average assets | 0.1691% | 5,109 |
| Noninterest expense to average assets | 3.1365% | 1,756 |
| Loan and lease loss provision to assets | 0.0650% | 2,910 |
| Net operating income to assets | 1.0145% | 2,178 |
| Return on assets (ROA) | 1.0903% | 1,914 |
| Pretax return on assets | 1.1792% | 2,853 |
| Return on Equity (ROE) | 8.9267% | 2,351 |
| Retained earnings to average equity (ytd only) | 6.2646% | 1,401 |
| Net charge-offs to loans | -0.0227% | 4,988 |
| Credit loss provision to net charge-offs | -500.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9702% | 2,067 |
| Assets per employee ($millions) | 6.2091% | 1,378 |
| Cash dividends to net income (ytd only)* | 29.8211% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 59.0743% | 3,914 |
| Net loans and leases to deposits | 77.3738% | 3,182 |
| Net loans and leases to core deposits | 89.1238% | 2,644 |
| Total domestic deposits to total assets | 76.3493% | 4,940 |
| Equity capital to assets | 11.6140% | 2,106 |
| Core capital (leverage) ratio | 11.8935% | 1,668 |
| Tier 1 risk-based capital ratio | 14.2899% | 3,203 |
| Total risk-based capital ratio | 15.5356% | 3,100 |
| Memoranda: | ||
| Average total assets | $46,133,600 | 5,226 |
| Average earning assets | $43,716,400 | 5,194 |
| Average equity | $5,634,800 | 5,156 |
| Average total loans | $26,473,000 | 5,112 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6145% | 1,330 |
| Cost of funding earning assets | 0.3163% | 3,970 |
| Net interest margin | 4.2981% | 928 |
| Noninterest income to average assets | 0.1680% | 5,178 |
| Noninterest expense to average assets | 2.8759% | 2,490 |
| Loan and lease loss provision to assets | 0.0884% | 2,312 |
| Net operating income to assets | 0.9467% | 2,796 |
| Return on assets (ROA) | 1.0077% | 2,559 |
| Pretax return on assets | 1.3702% | 2,219 |
| Return on Equity (ROE) | 8.1409% | 3,054 |
| Retained earnings to average equity (ytd only) | 4.5702% | 3,166 |
| Net charge-offs to loans | -0.0208% | 4,856 |
| Credit loss provision to net charge-offs | -750.0000% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6369% | 2,940 |
| Assets per employee ($millions) | 6.1265% | 1,415 |
| Cash dividends to net income (ytd only)* | 43.8606% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 955 |
| 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 | 58.2857% | 4,030 |
| Net loans and leases to deposits | 70.6544% | 3,906 |
| Net loans and leases to core deposits | 80.6249% | 3,397 |
| Total domestic deposits to total assets | 82.4941% | 3,631 |
| Equity capital to assets | 11.5992% | 2,279 |
| Core capital (leverage) ratio | 12.4666% | 1,429 |
| Tier 1 risk-based capital ratio | 14.2592% | 3,322 |
| Total risk-based capital ratio | 15.5072% | 3,224 |
| Memoranda: | ||
| Average total assets | $45,248,750 | 5,300 |
| Average earning assets | $42,994,250 | 5,266 |
| Average equity | $5,601,250 | 5,223 |
| Average total loans | $25,628,000 | 5,190 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6231% | 1,209 |
| Cost of funding earning assets | 0.2976% | 4,102 |
| Net interest margin | 4.3255% | 808 |
| Noninterest income to average assets | 0.1682% | 5,214 |
| Noninterest expense to average assets | 2.7685% | 2,868 |
| Loan and lease loss provision to assets | 0.1000% | 2,016 |
| Net operating income to assets | 1.0138% | 2,361 |
| Return on assets (ROA) | 1.0138% | 2,400 |
| Pretax return on assets | 1.3956% | 2,039 |
| Return on Equity (ROE) | 8.0024% | 3,033 |
| Retained earnings to average equity (ytd only) | 8.0024% | 1,164 |
| Net charge-offs to loans | -0.0327% | 4,996 |
| Credit loss provision to net charge-offs | -550.0000% | 4,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9254% | 3,514 |
| Assets per employee ($millions) | 5.3976% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0429% | 559 |
| 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 | 55.4109% | 4,278 |
| Net loans and leases to deposits | 64.6222% | 4,333 |
| Net loans and leases to core deposits | 72.4490% | 4,058 |
| Total domestic deposits to total assets | 85.7460% | 2,503 |
| Equity capital to assets | 13.3323% | 1,213 |
| Core capital (leverage) ratio | 13.0872% | 1,139 |
| Tier 1 risk-based capital ratio | 16.4285% | 2,350 |
| Total risk-based capital ratio | 17.6796% | 2,298 |
| Memoranda: | ||
| Average total assets | $43,994,330 | 5,368 |
| Average earning assets | $41,660,000 | 5,334 |
| Average equity | $5,573,330 | 5,260 |
| Average total loans | $24,479,330 | 5,270 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6147% | 1,102 |
| Cost of funding earning assets | 0.3262% | 3,789 |
| Net interest margin | 4.2885% | 811 |
| Noninterest income to average assets | 0.1982% | 5,081 |
| Noninterest expense to average assets | 2.5765% | 3,569 |
| Loan and lease loss provision to assets | 0.0901% | 2,039 |
| Net operating income to assets | 1.1261% | 1,769 |
| Return on assets (ROA) | 1.1261% | 1,803 |
| Pretax return on assets | 1.5585% | 1,344 |
| Return on Equity (ROE) | 9.1216% | 2,352 |
| Retained earnings to average equity (ytd only) | 9.1216% | 1,039 |
| Net charge-offs to loans | -0.0653% | 5,297 |
| Credit loss provision to net charge-offs | -250.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9808% | 4,324 |
| Assets per employee ($millions) | 5.5110% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0436% | 616 |
| 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 | 52.9486% | 4,433 |
| Net loans and leases to deposits | 61.1243% | 4,488 |
| Net loans and leases to core deposits | 68.2753% | 4,273 |
| Total domestic deposits to total assets | 86.6245% | 2,386 |
| Equity capital to assets | 12.6769% | 1,423 |
| Core capital (leverage) ratio | 12.3599% | 1,417 |
| Tier 1 risk-based capital ratio | 15.8604% | 2,605 |
| Total risk-based capital ratio | 17.1121% | 2,551 |
| Memoranda: | ||
| Average total assets | $44,401,000 | 5,415 |
| Average earning assets | $41,693,000 | 5,389 |
| Average equity | $5,481,500 | 5,324 |
| Average total loans | $24,506,000 | 5,318 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 1,371 |
| Cost of funding earning assets | 0.2852% | 4,210 |
| Net interest margin | 4.2803% | 961 |
| Noninterest income to average assets | 0.1717% | 5,360 |
| Noninterest expense to average assets | 2.5364% | 3,894 |
| Loan and lease loss provision to assets | 0.0687% | 2,989 |
| Net operating income to assets | 1.1858% | 1,551 |
| Return on assets (ROA) | 1.3094% | 1,255 |
| Pretax return on assets | 1.8267% | 747 |
| Return on Equity (ROE) | 10.5574% | 1,746 |
| Retained earnings to average equity (ytd only) | 5.0203% | 2,334 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5379% | 4,659 |
| Assets per employee ($millions) | 5.5893% | 1,794 |
| Cash dividends to net income (ytd only)* | 52.4476% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8784% | 839 |
| 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 | 55.2579% | 4,325 |
| Net loans and leases to deposits | 66.8145% | 4,185 |
| Net loans and leases to core deposits | 72.7134% | 4,036 |
| Total domestic deposits to total assets | 82.7034% | 3,859 |
| Equity capital to assets | 12.0186% | 1,790 |
| Core capital (leverage) ratio | 12.0130% | 1,590 |
| Tier 1 risk-based capital ratio | 15.3404% | 2,825 |
| Total risk-based capital ratio | 16.5904% | 2,750 |
| Memoranda: | ||
| Average total assets | $43,684,200 | 5,474 |
| Average earning assets | $41,725,800 | 5,427 |
| Average equity | $5,418,000 | 5,387 |
| Average total loans | $24,832,400 | 5,357 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4526% | 1,688 |
| Cost of funding earning assets | 0.2683% | 4,405 |
| Net interest margin | 4.1843% | 1,167 |
| Noninterest income to average assets | 0.1719% | 5,411 |
| Noninterest expense to average assets | 2.5698% | 3,766 |
| Loan and lease loss provision to assets | 0.0645% | 2,943 |
| Net operating income to assets | 1.1237% | 1,900 |
| Return on assets (ROA) | 1.2895% | 1,428 |
| Pretax return on assets | 1.7900% | 915 |
| Return on Equity (ROE) | 10.3148% | 1,923 |
| Retained earnings to average equity (ytd only) | 6.6309% | 1,832 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2738% | 4,339 |
| Assets per employee ($millions) | 5.7596% | 1,611 |
| Cash dividends to net income (ytd only)* | 35.7149% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 1,244 |
| 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 | 58.6518% | 4,030 |
| Net loans and leases to deposits | 74.9071% | 3,511 |
| Net loans and leases to core deposits | 81.7008% | 3,307 |
| Total domestic deposits to total assets | 78.2994% | 4,855 |
| Equity capital to assets | 12.1970% | 1,983 |
| Core capital (leverage) ratio | 12.2056% | 1,544 |
| Tier 1 risk-based capital ratio | 14.6778% | 3,200 |
| Total risk-based capital ratio | 15.9104% | 3,149 |
| Memoranda: | ||
| Average total assets | $43,426,750 | 5,534 |
| Average earning assets | $41,742,500 | 5,484 |
| Average equity | $5,429,000 | 5,440 |
| Average total loans | $24,745,250 | 5,413 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 1,852 |
| Cost of funding earning assets | 0.2546% | 4,615 |
| Net interest margin | 4.1375% | 1,271 |
| Noninterest income to average assets | 0.1692% | 5,474 |
| Noninterest expense to average assets | 2.5950% | 3,739 |
| Loan and lease loss provision to assets | 0.0564% | 3,013 |
| Net operating income to assets | 1.0813% | 2,034 |
| Return on assets (ROA) | 1.1706% | 1,795 |
| Pretax return on assets | 1.6125% | 1,337 |
| Return on Equity (ROE) | 9.2818% | 2,373 |
| Retained earnings to average equity (ytd only) | 3.6904% | 3,541 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6561% | 4,241 |
| Assets per employee ($millions) | 5.5235% | 1,778 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7937% | 1,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 56.3750% | 4,264 |
| Net loans and leases to deposits | 66.7122% | 4,292 |
| Net loans and leases to core deposits | 72.5401% | 4,127 |
| Total domestic deposits to total assets | 84.5048% | 3,089 |
| Equity capital to assets | 12.3269% | 1,885 |
| Core capital (leverage) ratio | 12.6353% | 1,289 |
| Tier 1 risk-based capital ratio | 15.3946% | 2,905 |
| Total risk-based capital ratio | 16.6455% | 2,837 |
| Memoranda: | ||
| Average total assets | $42,543,330 | 5,617 |
| Average earning assets | $40,845,670 | 5,567 |
| Average equity | $5,365,330 | 5,509 |
| Average total loans | $23,830,670 | 5,508 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 1,875 |
| Cost of funding earning assets | 0.2397% | 4,809 |
| Net interest margin | 4.1349% | 1,249 |
| Noninterest income to average assets | 0.1630% | 5,519 |
| Noninterest expense to average assets | 2.6461% | 3,587 |
| Loan and lease loss provision to assets | 0.0288% | 3,277 |
| Net operating income to assets | 1.0573% | 2,062 |
| Return on assets (ROA) | 1.2368% | 1,538 |
| Pretax return on assets | 1.7066% | 1,055 |
| Return on Equity (ROE) | 9.6911% | 2,117 |
| Retained earnings to average equity (ytd only) | 9.6911% | 926 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0371% | 4,120 |
| Assets per employee ($millions) | 5.3150% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9892% | 830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 51.5663% | 4,670 |
| Net loans and leases to deposits | 59.5621% | 4,746 |
| Net loans and leases to core deposits | 61.2253% | 4,859 |
| Total domestic deposits to total assets | 86.5757% | 2,417 |
| Equity capital to assets | 12.6764% | 1,572 |
| Core capital (leverage) ratio | 12.8929% | 1,200 |
| Tier 1 risk-based capital ratio | 16.6157% | 2,434 |
| Total risk-based capital ratio | 17.8670% | 2,382 |
| Memoranda: | ||
| Average total assets | $41,721,000 | 5,681 |
| Average earning assets | $40,049,000 | 5,633 |
| Average equity | $5,324,500 | 5,547 |
| Average total loans | $23,063,000 | 5,582 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 2,733 |
| Cost of funding earning assets | 0.1780% | 5,478 |
| Net interest margin | 3.9736% | 1,804 |
| Noninterest income to average assets | 0.1400% | 5,712 |
| Noninterest expense to average assets | 2.6896% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9274% | 2,715 |
| Return on assets (ROA) | 0.9724% | 2,584 |
| Pretax return on assets | 1.3048% | 2,266 |
| Return on Equity (ROE) | 7.3030% | 3,360 |
| Retained earnings to average equity (ytd only) | 1.6709% | 4,773 |
| Net charge-offs to loans | 0.0749% | 2,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 31.1250% | 1,414 |
| Efficiency ratio | 68.3609% | 3,499 |
| Assets per employee ($millions) | 5.1153% | 2,223 |
| Cash dividends to net income (ytd only)* | 77.1208% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8607% | 1,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 56.9694% | 4,203 |
| Net loans and leases to deposits | 76.7481% | 3,179 |
| Net loans and leases to core deposits | 76.7481% | 3,688 |
| Total domestic deposits to total assets | 74.2290% | 5,623 |
| Equity capital to assets | 12.8513% | 1,433 |
| Core capital (leverage) ratio | 13.6914% | 912 |
| Tier 1 risk-based capital ratio | 14.7296% | 3,314 |
| Total risk-based capital ratio | 15.9713% | 3,252 |
| Memoranda: | ||
| Average total assets | $40,006,000 | 5,767 |
| Average earning assets | $38,201,800 | 5,724 |
| Average equity | $5,326,600 | 5,578 |
| Average total loans | $21,352,200 | 5,668 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 2,627 |
| Cost of funding earning assets | 0.1726% | 5,606 |
| Net interest margin | 4.0119% | 1,661 |
| Noninterest income to average assets | 0.1341% | 5,815 |
| Noninterest expense to average assets | 2.7050% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9292% | 2,810 |
| Return on assets (ROA) | 0.9788% | 2,656 |
| Pretax return on assets | 1.3140% | 2,339 |
| Return on Equity (ROE) | 7.2859% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.2859% | 1,553 |
| Net charge-offs to loans | 0.1092% | 2,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 21.8787% | 1,807 |
| Efficiency ratio | 68.4478% | 3,461 |
| Assets per employee ($millions) | 4.9006% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0393% | 860 |
| 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 | 54.1564% | 4,554 |
| Net loans and leases to deposits | 64.1683% | 4,543 |
| Net loans and leases to core deposits | 64.1683% | 4,807 |
| Total domestic deposits to total assets | 84.3974% | 3,260 |
| Equity capital to assets | 14.0161% | 1,016 |
| Core capital (leverage) ratio | 13.9786% | 870 |
| Tier 1 risk-based capital ratio | 16.3508% | 2,649 |
| Total risk-based capital ratio | 17.6005% | 2,595 |
| Memoranda: | ||
| Average total assets | $39,777,000 | 5,842 |
| Average earning assets | $37,853,500 | 5,809 |
| Average equity | $5,343,500 | 5,642 |
| Average total loans | $20,751,500 | 5,756 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1240% | 2,811 |
| Cost of funding earning assets | 0.1690% | 5,703 |
| Net interest margin | 3.9550% | 1,791 |
| Noninterest income to average assets | 0.1251% | 5,924 |
| Noninterest expense to average assets | 2.6722% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8827% | 2,975 |
| Return on assets (ROA) | 0.9558% | 2,716 |
| Pretax return on assets | 1.3011% | 2,359 |
| Return on Equity (ROE) | 7.2171% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.2171% | 1,610 |
| Net charge-offs to loans | 0.1761% | 1,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 2,141 |
| Efficiency ratio | 68.9922% | 3,494 |
| Assets per employee ($millions) | 4.8188% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0420% | 921 |
| 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 | 54.8768% | 4,468 |
| Net loans and leases to deposits | 64.8409% | 4,456 |
| Net loans and leases to core deposits | 64.8548% | 4,746 |
| Total domestic deposits to total assets | 84.6329% | 3,280 |
| Equity capital to assets | 13.9222% | 1,005 |
| Core capital (leverage) ratio | 13.3955% | 1,017 |
| Tier 1 risk-based capital ratio | 16.6034% | 2,563 |
| Total risk-based capital ratio | 17.8549% | 2,519 |
| Memoranda: | ||
| Average total assets | $39,967,670 | 5,904 |
| Average earning assets | $37,876,000 | 5,868 |
| Average equity | $5,293,000 | 5,708 |
| Average total loans | $20,444,000 | 5,829 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 3,116 |
| Cost of funding earning assets | 0.1676% | 5,795 |
| Net interest margin | 3.8646% | 2,014 |
| Noninterest income to average assets | 0.1278% | 5,962 |
| Noninterest expense to average assets | 2.5961% | 3,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8534% | 2,992 |
| Return on assets (ROA) | 0.9539% | 2,622 |
| Pretax return on assets | 1.2980% | 2,298 |
| Return on Equity (ROE) | 7.3820% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.3820% | 1,819 |
| Net charge-offs to loans | 0.3825% | 642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.2105% | 2,318 |
| Efficiency ratio | 69.1099% | 3,636 |
| Assets per employee ($millions) | 5.1089% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2272% | 777 |
| 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 | 47.2609% | 5,105 |
| Net loans and leases to deposits | 54.8407% | 5,135 |
| Net loans and leases to core deposits | 54.8516% | 5,323 |
| Total domestic deposits to total assets | 86.1785% | 2,841 |
| Equity capital to assets | 13.0215% | 1,387 |
| Core capital (leverage) ratio | 11.9711% | 1,655 |
| Tier 1 risk-based capital ratio | 14.9833% | 3,443 |
| Total risk-based capital ratio | 16.2312% | 3,373 |
| Memoranda: | ||
| Average total assets | $40,676,500 | 5,946 |
| Average earning assets | $38,192,500 | 5,915 |
| Average equity | $5,256,000 | 5,770 |
| Average total loans | $19,868,000 | 5,902 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 4,022 |
| Cost of funding earning assets | 0.1671% | 5,998 |
| Net interest margin | 3.7626% | 2,762 |
| Noninterest income to average assets | 0.1357% | 6,015 |
| Noninterest expense to average assets | 2.7437% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7905% | 3,425 |
| Return on assets (ROA) | 0.8702% | 3,110 |
| Pretax return on assets | 1.0622% | 3,246 |
| Return on Equity (ROE) | 6.5169% | 3,888 |
| Retained earnings to average equity (ytd only) | 0.7667% | 5,423 |
| Net charge-offs to loans | -0.5940% | 6,414 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9821% | 2,840 |
| Assets per employee ($millions) | 5.0603% | 2,246 |
| Cash dividends to net income (ytd only)* | 88.2353% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2973% | 726 |
| Loan loss allowance to noncurrent loans | 2,550.0000% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 5,859 |
| Noncurrent loans to loans | 0.0901% | 5,528 |
| Net loans and leases to total assets | 48.2214% | 5,128 |
| Net loans and leases to deposits | 59.9613% | 4,902 |
| Net loans and leases to core deposits | 61.3598% | 5,054 |
| Total domestic deposits to total assets | 80.4209% | 4,902 |
| Equity capital to assets | 12.8205% | 1,454 |
| Core capital (leverage) ratio | 13.1912% | 1,064 |
| Tier 1 risk-based capital ratio | 16.1808% | 2,867 |
| Total risk-based capital ratio | 17.4306% | 2,810 |
| Memoranda: | ||
| Average total assets | $39,070,800 | 6,060 |
| Average earning assets | $37,102,400 | 6,014 |
| Average equity | $5,217,200 | 5,807 |
| Average total loans | $17,844,800 | 6,050 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8753% | 4,254 |
| Cost of funding earning assets | 0.1657% | 6,089 |
| Net interest margin | 3.7096% | 2,990 |
| Noninterest income to average assets | 0.1343% | 6,102 |
| Noninterest expense to average assets | 2.7756% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7741% | 3,541 |
| Return on assets (ROA) | 0.8540% | 3,250 |
| Pretax return on assets | 0.9987% | 3,598 |
| Return on Equity (ROE) | 6.3296% | 4,065 |
| Retained earnings to average equity (ytd only) | 6.3296% | 2,198 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3976% | 2,597 |
| Assets per employee ($millions) | 4.8701% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9710% | 1,305 |
| 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 | 45.0630% | 5,451 |
| Net loans and leases to deposits | 52.7459% | 5,482 |
| Net loans and leases to core deposits | 53.9485% | 5,569 |
| Total domestic deposits to total assets | 85.4342% | 3,141 |
| Equity capital to assets | 13.7548% | 1,090 |
| Core capital (leverage) ratio | 13.8702% | 878 |
| Tier 1 risk-based capital ratio | 17.3745% | 2,441 |
| Total risk-based capital ratio | 18.5136% | 2,457 |
| Memoranda: | ||
| Average total assets | $38,718,000 | 6,142 |
| Average earning assets | $37,019,750 | 6,089 |
| Average equity | $5,224,000 | 5,869 |
| Average total loans | $17,311,000 | 6,136 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 4,526 |
| Cost of funding earning assets | 0.1676% | 6,150 |
| Net interest margin | 3.6322% | 3,222 |
| Noninterest income to average assets | 0.1294% | 6,164 |
| Noninterest expense to average assets | 2.7849% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7355% | 3,647 |
| Return on assets (ROA) | 0.8230% | 3,317 |
| Pretax return on assets | 0.9214% | 3,801 |
| Return on Equity (ROE) | 6.1402% | 4,082 |
| Retained earnings to average equity (ytd only) | 6.1402% | 2,241 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1879% | 2,427 |
| Assets per employee ($millions) | 4.8571% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1062% | 1,164 |
| 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 | 42.2241% | 5,666 |
| Net loans and leases to deposits | 49.2333% | 5,691 |
| Net loans and leases to core deposits | 50.3529% | 5,774 |
| Total domestic deposits to total assets | 85.7632% | 3,172 |
| Equity capital to assets | 13.5523% | 1,140 |
| Core capital (leverage) ratio | 13.7885% | 888 |
| Tier 1 risk-based capital ratio | 17.4329% | 2,448 |
| Total risk-based capital ratio | 18.5938% | 2,440 |
| Memoranda: | ||
| Average total assets | $38,637,000 | 6,203 |
| Average earning assets | $37,002,670 | 6,146 |
| Average equity | $5,179,000 | 5,916 |
| Average total loans | $17,111,330 | 6,196 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8478% | 4,299 |
| Cost of funding earning assets | 0.1626% | 6,282 |
| Net interest margin | 3.6852% | 2,929 |
| Noninterest income to average assets | 0.1350% | 6,174 |
| Noninterest expense to average assets | 2.8551% | 3,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8306% | 3,001 |
| Return on assets (ROA) | 0.8306% | 3,075 |
| Pretax return on assets | 0.8098% | 4,071 |
| Return on Equity (ROE) | 6.2311% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.2311% | 2,420 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9037% | 2,487 |
| Assets per employee ($millions) | 4.7171% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2615% | 1,085 |
| 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 | 40.4272% | 5,778 |
| Net loans and leases to deposits | 47.2088% | 5,780 |
| Net loans and leases to core deposits | 48.3167% | 5,854 |
| Total domestic deposits to total assets | 85.6348% | 3,542 |
| Equity capital to assets | 13.7372% | 1,018 |
| Core capital (leverage) ratio | 13.0901% | 1,127 |
| Tier 1 risk-based capital ratio | 16.5545% | 2,868 |
| Total risk-based capital ratio | 17.6755% | 2,906 |
| Memoranda: | ||
| Average total assets | $38,527,000 | 6,272 |
| Average earning assets | $36,904,500 | 6,207 |
| Average equity | $5,135,500 | 5,962 |
| Average total loans | $17,287,000 | 6,245 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 4,779 |
| Cost of funding earning assets | 0.1920% | 6,326 |
| Net interest margin | 3.6194% | 3,379 |
| Noninterest income to average assets | 0.1531% | 6,175 |
| Noninterest expense to average assets | 2.6083% | 4,433 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8354% | 3,105 |
| Return on assets (ROA) | 0.8354% | 3,188 |
| Pretax return on assets | 0.9885% | 3,397 |
| Return on Equity (ROE) | 5.9891% | 4,092 |
| Retained earnings to average equity (ytd only) | 0.6933% | 5,523 |
| Net charge-offs to loans | 0.0191% | 5,060 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 122.6667% | 383 |
| Efficiency ratio | 72.5168% | 3,384 |
| Assets per employee ($millions) | 4.9146% | 2,288 |
| Cash dividends to net income (ytd only)* | 88.4244% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 1,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 47.3383% | 5,362 |
| Net loans and leases to deposits | 61.6904% | 4,755 |
| Net loans and leases to core deposits | 63.2287% | 4,946 |
| Total domestic deposits to total assets | 76.7353% | 6,017 |
| Equity capital to assets | 12.9384% | 1,304 |
| Core capital (leverage) ratio | 13.4136% | 988 |
| Tier 1 risk-based capital ratio | 15.3962% | 3,431 |
| Total risk-based capital ratio | 16.4573% | 3,491 |
| Memoranda: | ||
| Average total assets | $37,226,800 | 6,358 |
| Average earning assets | $35,420,000 | 6,303 |
| Average equity | $5,192,800 | 6,025 |
| Average total loans | $15,732,600 | 6,387 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7389% | 5,064 |
| Cost of funding earning assets | 0.1914% | 6,438 |
| Net interest margin | 3.5475% | 3,668 |
| Noninterest income to average assets | 0.1562% | 6,253 |
| Noninterest expense to average assets | 2.5937% | 4,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8173% | 3,262 |
| Return on assets (ROA) | 0.8173% | 3,389 |
| Pretax return on assets | 0.9299% | 3,763 |
| Return on Equity (ROE) | 5.7478% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.7478% | 2,568 |
| Net charge-offs to loans | 0.0447% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 51.1724% | 853 |
| Efficiency ratio | 73.6082% | 3,124 |
| Assets per employee ($millions) | 4.6956% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0983% | 1,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 43.5964% | 5,765 |
| Net loans and leases to deposits | 53.1048% | 5,622 |
| Net loans and leases to core deposits | 54.3978% | 5,734 |
| Total domestic deposits to total assets | 82.0950% | 4,890 |
| Equity capital to assets | 14.0636% | 950 |
| Core capital (leverage) ratio | 14.0991% | 847 |
| Tier 1 risk-based capital ratio | 16.8643% | 2,767 |
| Total risk-based capital ratio | 17.9769% | 2,792 |
| Memoranda: | ||
| Average total assets | $36,704,250 | 6,439 |
| Average earning assets | $34,840,250 | 6,393 |
| Average equity | $5,219,250 | 6,083 |
| Average total loans | $14,924,500 | 6,482 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 5,555 |
| Cost of funding earning assets | 0.1917% | 6,515 |
| Net interest margin | 3.3701% | 4,303 |
| Noninterest income to average assets | 0.1702% | 6,193 |
| Noninterest expense to average assets | 2.5867% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7469% | 3,585 |
| Return on assets (ROA) | 0.7469% | 3,732 |
| Pretax return on assets | 0.7689% | 4,432 |
| Return on Equity (ROE) | 5.2328% | 4,599 |
| Retained earnings to average equity (ytd only) | 5.2328% | 2,901 |
| Net charge-offs to loans | 0.0419% | 4,091 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 46.6667% | 836 |
| Efficiency ratio | 77.0867% | 2,610 |
| Assets per employee ($millions) | 4.7540% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2866% | 1,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 39.6640% | 6,068 |
| Net loans and leases to deposits | 47.9894% | 5,981 |
| Net loans and leases to core deposits | 49.1416% | 6,073 |
| Total domestic deposits to total assets | 82.6515% | 4,831 |
| Equity capital to assets | 13.6701% | 1,066 |
| Core capital (leverage) ratio | 14.1080% | 794 |
| Tier 1 risk-based capital ratio | 16.5602% | 2,910 |
| Total risk-based capital ratio | 17.6761% | 2,931 |
| Memoranda: | ||
| Average total assets | $36,417,330 | 6,497 |
| Average earning assets | $34,420,670 | 6,451 |
| Average equity | $5,198,000 | 6,133 |
| Average total loans | $14,323,330 | 6,553 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4779% | 5,762 |
| Cost of funding earning assets | 0.1919% | 6,617 |
| Net interest margin | 3.2861% | 4,570 |
| Noninterest income to average assets | 0.1797% | 6,191 |
| Noninterest expense to average assets | 2.6846% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7189% | 3,599 |
| Return on assets (ROA) | 0.7189% | 3,735 |
| Pretax return on assets | 0.5729% | 5,038 |
| Return on Equity (ROE) | 4.9254% | 4,615 |
| Retained earnings to average equity (ytd only) | 4.9254% | 3,281 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4138% | 1,978 |
| Assets per employee ($millions) | 5.2284% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0259% | 645 |
| Loan loss allowance to noncurrent loans | 2,542.8571% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 6,489 |
| Noncurrent loans to loans | 0.1190% | 6,116 |
| Net loans and leases to total assets | 31.1730% | 6,556 |
| Net loans and leases to deposits | 36.6507% | 6,549 |
| Net loans and leases to core deposits | 37.5382% | 6,579 |
| Total domestic deposits to total assets | 85.0542% | 4,014 |
| Equity capital to assets | 14.2818% | 943 |
| Core capital (leverage) ratio | 14.1230% | 767 |
| Tier 1 risk-based capital ratio | 17.5477% | 2,540 |
| Total risk-based capital ratio | 18.7502% | 2,523 |
| Memoranda: | ||
| Average total assets | $35,610,000 | 6,579 |
| Average earning assets | $33,353,000 | 6,547 |
| Average equity | $5,197,500 | 6,186 |
| Average total loans | $13,766,000 | 6,632 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2013% | 4,588 |
| Cost of funding earning assets | 0.2994% | 6,453 |
| Net interest margin | 3.9019% | 2,817 |
| Noninterest income to average assets | 0.1936% | 6,027 |
| Noninterest expense to average assets | 2.8262% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7844% | 3,350 |
| Return on assets (ROA) | 0.8806% | 3,154 |
| Pretax return on assets | 1.1117% | 3,117 |
| Return on Equity (ROE) | 5.3874% | 4,482 |
| Retained earnings to average equity (ytd only) | -0.3439% | 5,913 |
| Net charge-offs to loans | -0.2610% | 6,960 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0589% | 3,061 |
| Assets per employee ($millions) | 4.3276% | 3,296 |
| Cash dividends to net income (ytd only)* | 106.3830% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2579% | 1,444 |
| Loan loss allowance to noncurrent loans | 434.1463% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 5,959 |
| Noncurrent loans to loans | 0.5201% | 5,233 |
| Net loans and leases to total assets | 44.5134% | 5,769 |
| Net loans and leases to deposits | 57.7277% | 5,275 |
| Net loans and leases to core deposits | 58.4991% | 5,495 |
| Total domestic deposits to total assets | 77.1093% | 6,212 |
| Equity capital to assets | 14.9274% | 756 |
| Core capital (leverage) ratio | 15.0989% | 554 |
| Tier 1 risk-based capital ratio | 19.0247% | 1,950 |
| Total risk-based capital ratio | 20.2744% | 1,920 |
| Memoranda: | ||
| Average total assets | $32,022,000 | 6,707 |
| Average earning assets | $29,729,000 | 6,671 |
| Average equity | $5,234,400 | 6,231 |
| Average total loans | $13,027,800 | 6,740 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1898% | 4,851 |
| Cost of funding earning assets | 0.3141% | 6,539 |
| Net interest margin | 3.8757% | 3,004 |
| Noninterest income to average assets | 0.2040% | 6,068 |
| Noninterest expense to average assets | 2.8177% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7480% | 3,698 |
| Return on assets (ROA) | 0.7480% | 3,951 |
| Pretax return on assets | 0.9520% | 3,905 |
| Return on Equity (ROE) | 4.4689% | 5,052 |
| Retained earnings to average equity (ytd only) | 4.4689% | 3,749 |
| Net charge-offs to loans | -0.0972% | 6,846 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7463% | 2,870 |
| Assets per employee ($millions) | 4.2830% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4164% | 1,327 |
| Loan loss allowance to noncurrent loans | 367.7778% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 6,044 |
| Noncurrent loans to loans | 0.6570% | 5,132 |
| Net loans and leases to total assets | 39.0118% | 6,348 |
| Net loans and leases to deposits | 48.4909% | 6,233 |
| Net loans and leases to core deposits | 49.1181% | 6,338 |
| Total domestic deposits to total assets | 80.4518% | 5,529 |
| Equity capital to assets | 15.6841% | 668 |
| Core capital (leverage) ratio | 15.9501% | 482 |
| Tier 1 risk-based capital ratio | 19.6893% | 1,831 |
| Total risk-based capital ratio | 20.9135% | 1,813 |
| Memoranda: | ||
| Average total assets | $31,372,250 | 6,806 |
| Average earning assets | $28,863,000 | 6,779 |
| Average equity | $5,251,000 | 6,290 |
| Average total loans | $12,343,000 | 6,858 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 4,844 |
| Cost of funding earning assets | 0.3255% | 6,619 |
| Net interest margin | 3.9056% | 2,882 |
| Noninterest income to average assets | 0.2170% | 6,011 |
| Noninterest expense to average assets | 2.8347% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7103% | 3,812 |
| Return on assets (ROA) | 0.7103% | 4,079 |
| Pretax return on assets | 0.9340% | 3,948 |
| Return on Equity (ROE) | 4.1459% | 5,200 |
| Retained earnings to average equity (ytd only) | 4.1459% | 3,851 |
| Net charge-offs to loans | -0.1177% | 6,887 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2182% | 2,861 |
| Assets per employee ($millions) | 3.8988% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7872% | 959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 36.7906% | 6,565 |
| Net loans and leases to deposits | 44.7508% | 6,517 |
| Net loans and leases to core deposits | 45.3719% | 6,601 |
| Total domestic deposits to total assets | 82.2122% | 5,052 |
| Equity capital to assets | 16.8836% | 457 |
| Core capital (leverage) ratio | 16.9778% | 370 |
| Tier 1 risk-based capital ratio | 22.2260% | 1,251 |
| Total risk-based capital ratio | 23.4777% | 1,229 |
| Memoranda: | ||
| Average total assets | $30,408,330 | 6,882 |
| Average earning assets | $27,652,330 | 6,862 |
| Average equity | $5,210,000 | 6,330 |
| Average total loans | $11,891,330 | 6,931 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2414% | 4,957 |
| Cost of funding earning assets | 0.3435% | 6,669 |
| Net interest margin | 3.8979% | 2,934 |
| Noninterest income to average assets | 0.2532% | 5,827 |
| Noninterest expense to average assets | 2.8117% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6796% | 3,982 |
| Return on assets (ROA) | 0.6796% | 4,200 |
| Pretax return on assets | 0.9195% | 3,972 |
| Return on Equity (ROE) | 3.9367% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.9367% | 4,222 |
| Net charge-offs to loans | -0.0335% | 6,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3571% | 2,879 |
| Assets per employee ($millions) | 3.8558% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3189% | 612 |
| Loan loss allowance to noncurrent loans | 10,766.6667% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 6,906 |
| Noncurrent loans to loans | 0.0308% | 6,691 |
| Net loans and leases to total assets | 30.5031% | 6,886 |
| Net loans and leases to deposits | 37.0273% | 6,854 |
| Net loans and leases to core deposits | 38.2324% | 6,874 |
| Total domestic deposits to total assets | 82.3802% | 5,167 |
| Equity capital to assets | 16.9066% | 438 |
| Core capital (leverage) ratio | 16.3593% | 425 |
| Tier 1 risk-based capital ratio | 23.8870% | 1,023 |
| Total risk-based capital ratio | 25.1413% | 1,007 |
| Memoranda: | ||
| Average total assets | $30,017,500 | 6,949 |
| Average earning assets | $26,783,500 | 6,936 |
| Average equity | $5,182,000 | 6,374 |
| Average total loans | $11,935,000 | 6,988 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9343% | 3,186 |
| Cost of funding earning assets | 0.4421% | 6,758 |
| Net interest margin | 4.4921% | 1,155 |
| Noninterest income to average assets | 0.1997% | 6,073 |
| Noninterest expense to average assets | 2.6921% | 4,770 |
| Loan and lease loss provision to assets | 0.0535% | 5,924 |
| Net operating income to assets | 0.8878% | 2,655 |
| Return on assets (ROA) | 0.8878% | 2,785 |
| Pretax return on assets | 1.2943% | 2,153 |
| Return on Equity (ROE) | 4.7338% | 4,513 |
| Retained earnings to average equity (ytd only) | -0.9696% | 6,001 |
| Net charge-offs to loans | -0.0880% | 7,122 |
| Credit loss provision to net charge-offs | -125.0000% | 6,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6372% | 4,634 |
| Assets per employee ($millions) | 3.6486% | 4,670 |
| Cash dividends to net income (ytd only)* | 120.4819% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2775% | 1,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 47.3329% | 5,892 |
| Net loans and leases to deposits | 58.0773% | 5,687 |
| Net loans and leases to core deposits | 58.9470% | 5,941 |
| Total domestic deposits to total assets | 81.4999% | 5,291 |
| Equity capital to assets | 17.6402% | 368 |
| Core capital (leverage) ratio | 17.5806% | 327 |
| Tier 1 risk-based capital ratio | 28.0355% | 622 |
| Total risk-based capital ratio | 29.2933% | 612 |
| Memoranda: | ||
| Average total assets | $28,045,400 | 7,024 |
| Average earning assets | $23,975,200 | 7,042 |
| Average equity | $5,260,000 | 6,361 |
| Average total loans | $13,640,600 | 6,962 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 3,156 |
| Cost of funding earning assets | 0.4757% | 6,795 |
| Net interest margin | 4.5103% | 1,124 |
| Noninterest income to average assets | 0.2161% | 6,059 |
| Noninterest expense to average assets | 2.7185% | 4,659 |
| Loan and lease loss provision to assets | 0.0720% | 5,552 |
| Net operating income to assets | 0.9078% | 2,710 |
| Return on assets (ROA) | 0.9078% | 2,848 |
| Pretax return on assets | 1.2968% | 2,296 |
| Return on Equity (ROE) | 4.7655% | 4,631 |
| Retained earnings to average equity (ytd only) | 4.7655% | 3,336 |
| Net charge-offs to loans | 0.0690% | 5,264 |
| Credit loss provision to net charge-offs | 214.2857% | 1,345 |
| Earnings coverage of net charge-offs (x) | 40.7278% | 764 |
| Efficiency ratio | 66.5100% | 4,620 |
| Assets per employee ($millions) | 3.5108% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0676% | 2,152 |
| Loan loss allowance to noncurrent loans | 252.5000% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 6,008 |
| Noncurrent loans to loans | 0.8188% | 5,230 |
| Net loans and leases to total assets | 51.1002% | 5,568 |
| Net loans and leases to deposits | 64.0029% | 5,170 |
| Net loans and leases to core deposits | 65.0177% | 5,520 |
| Total domestic deposits to total assets | 79.8405% | 5,784 |
| Equity capital to assets | 19.1839% | 302 |
| Core capital (leverage) ratio | 18.9325% | 264 |
| Tier 1 risk-based capital ratio | 28.7698% | 607 |
| Total risk-based capital ratio | 30.0246% | 597 |
| Memoranda: | ||
| Average total assets | $27,759,500 | 7,100 |
| Average earning assets | $23,826,250 | 7,121 |
| Average equity | $5,287,750 | 6,405 |
| Average total loans | $13,516,250 | 7,040 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9026% | 3,609 |
| Cost of funding earning assets | 0.4953% | 6,859 |
| Net interest margin | 4.4073% | 1,348 |
| Noninterest income to average assets | 0.2242% | 6,066 |
| Noninterest expense to average assets | 2.7630% | 4,577 |
| Loan and lease loss provision to assets | 0.1085% | 4,944 |
| Net operating income to assets | 0.8029% | 3,062 |
| Return on assets (ROA) | 0.8029% | 3,187 |
| Pretax return on assets | 1.1501% | 2,669 |
| Return on Equity (ROE) | 4.2251% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.2251% | 3,510 |
| Net charge-offs to loans | 0.1370% | 4,375 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,221 |
| Efficiency ratio | 68.7050% | 4,390 |
| Assets per employee ($millions) | 3.6244% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3032% | 1,734 |
| Loan loss allowance to noncurrent loans | 250.8333% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 6,115 |
| Noncurrent loans to loans | 0.9182% | 5,134 |
| Net loans and leases to total assets | 44.0352% | 6,438 |
| Net loans and leases to deposits | 54.4524% | 6,276 |
| Net loans and leases to core deposits | 55.2751% | 6,476 |
| Total domestic deposits to total assets | 80.8691% | 5,576 |
| Equity capital to assets | 18.3135% | 358 |
| Core capital (leverage) ratio | 18.1247% | 322 |
| Tier 1 risk-based capital ratio | 30.6547% | 505 |
| Total risk-based capital ratio | 31.9132% | 494 |
| Memoranda: | ||
| Average total assets | $27,650,670 | 7,170 |
| Average earning assets | $23,824,330 | 7,182 |
| Average equity | $5,254,330 | 6,447 |
| Average total loans | $13,136,670 | 7,124 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7856% | 4,123 |
| Cost of funding earning assets | 0.5133% | 6,926 |
| Net interest margin | 4.2722% | 1,660 |
| Noninterest income to average assets | 0.2817% | 5,656 |
| Noninterest expense to average assets | 2.7281% | 4,724 |
| Loan and lease loss provision to assets | 0.2224% | 3,435 |
| Net operating income to assets | 0.8155% | 2,951 |
| Return on assets (ROA) | 0.8155% | 3,011 |
| Pretax return on assets | 1.1565% | 2,527 |
| Return on Equity (ROE) | 4.2093% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.2093% | 3,638 |
| Net charge-offs to loans | 0.4556% | 2,329 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,139 |
| Efficiency ratio | 66.4260% | 4,959 |
| Assets per employee ($millions) | 3.4976% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3993% | 1,606 |
| Loan loss allowance to noncurrent loans | 245.8333% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 6,135 |
| Noncurrent loans to loans | 0.9760% | 5,092 |
| Net loans and leases to total assets | 42.8862% | 6,552 |
| Net loans and leases to deposits | 53.3073% | 6,361 |
| Net loans and leases to core deposits | 54.1467% | 6,544 |
| Total domestic deposits to total assets | 80.4510% | 5,828 |
| Equity capital to assets | 18.7770% | 319 |
| Core capital (leverage) ratio | 18.7028% | 286 |
| Tier 1 risk-based capital ratio | 31.7923% | 446 |
| Total risk-based capital ratio | 33.0510% | 439 |
| Memoranda: | ||
| Average total assets | $26,978,500 | 7,237 |
| Average earning assets | $24,156,000 | 7,223 |
| Average equity | $5,226,500 | 6,475 |
| Average total loans | $13,170,500 | 7,179 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1897% | 3,659 |
| Cost of funding earning assets | 0.6717% | 6,952 |
| Net interest margin | 4.5180% | 1,190 |
| Noninterest income to average assets | 0.2438% | 6,054 |
| Noninterest expense to average assets | 3.0586% | 3,636 |
| Loan and lease loss provision to assets | 0.1904% | 5,326 |
| Net operating income to assets | 0.7199% | 3,150 |
| Return on assets (ROA) | 0.7199% | 3,275 |
| Pretax return on assets | 1.0170% | 2,875 |
| Return on Equity (ROE) | 3.5393% | 4,728 |
| Retained earnings to average equity (ytd only) | -2.0787% | 5,976 |
| Net charge-offs to loans | -0.1293% | 7,517 |
| Credit loss provision to net charge-offs | -294.1176% | 7,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6964% | 3,856 |
| Assets per employee ($millions) | 3.2470% | 5,544 |
| Cash dividends to net income (ytd only)* | 158.7302% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1002% | 2,069 |
| Loan loss allowance to noncurrent loans | 245.8333% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 6,122 |
| Noncurrent loans to loans | 0.8543% | 5,357 |
| Net loans and leases to total assets | 52.9373% | 5,789 |
| Net loans and leases to deposits | 66.7136% | 5,301 |
| Net loans and leases to core deposits | 67.8559% | 5,672 |
| Total domestic deposits to total assets | 79.3502% | 6,000 |
| Equity capital to assets | 20.0146% | 260 |
| Core capital (leverage) ratio | 19.5495% | 256 |
| Tier 1 risk-based capital ratio | 29.5667% | 525 |
| Total risk-based capital ratio | 30.8235% | 512 |
| Memoranda: | ||
| Average total assets | $26,254,200 | 7,313 |
| Average earning assets | $23,373,200 | 7,309 |
| Average equity | $5,340,000 | 6,556 |
| Average total loans | $13,152,600 | 7,247 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0606% | 4,540 |
| Cost of funding earning assets | 0.6982% | 7,064 |
| Net interest margin | 4.3624% | 1,635 |
| Noninterest income to average assets | 0.2431% | 6,151 |
| Noninterest expense to average assets | 2.9124% | 4,039 |
| Loan and lease loss provision to assets | 0.1773% | 5,264 |
| Net operating income to assets | 0.6737% | 3,532 |
| Return on assets (ROA) | 0.6737% | 3,691 |
| Pretax return on assets | 0.9826% | 3,244 |
| Return on Equity (ROE) | 3.2990% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.2990% | 4,127 |
| Net charge-offs to loans | -0.1238% | 7,578 |
| Credit loss provision to net charge-offs | -291.6667% | 6,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5174% | 3,795 |
| Assets per employee ($millions) | 3.2950% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9761% | 2,288 |
| Loan loss allowance to noncurrent loans | 227.2727% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 6,277 |
| Noncurrent loans to loans | 0.8695% | 5,481 |
| Net loans and leases to total assets | 51.7489% | 6,127 |
| Net loans and leases to deposits | 65.8540% | 5,675 |
| Net loans and leases to core deposits | 66.9760% | 6,039 |
| Total domestic deposits to total assets | 78.5812% | 6,123 |
| Equity capital to assets | 20.6487% | 249 |
| Core capital (leverage) ratio | 20.7321% | 217 |
| Tier 1 risk-based capital ratio | 30.4538% | 492 |
| Total risk-based capital ratio | 31.7070% | 482 |
| Memoranda: | ||
| Average total assets | $26,323,750 | 7,402 |
| Average earning assets | $23,105,750 | 7,410 |
| Average equity | $5,375,250 | 6,629 |
| Average total loans | $12,929,250 | 7,349 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9798% | 5,034 |
| Cost of funding earning assets | 0.7177% | 7,156 |
| Net interest margin | 4.2621% | 1,916 |
| Noninterest income to average assets | 0.2356% | 6,220 |
| Noninterest expense to average assets | 2.8885% | 4,119 |
| Loan and lease loss provision to assets | 0.1520% | 5,380 |
| Net operating income to assets | 0.6765% | 3,505 |
| Return on assets (ROA) | 0.6765% | 3,651 |
| Pretax return on assets | 0.8969% | 3,506 |
| Return on Equity (ROE) | 3.3254% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.3254% | 3,993 |
| Net charge-offs to loans | -0.2063% | 7,649 |
| Credit loss provision to net charge-offs | -153.8462% | 6,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3591% | 3,586 |
| Assets per employee ($millions) | 3.2945% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1949% | 1,767 |
| Loan loss allowance to noncurrent loans | 2,175.0000% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 7,276 |
| Noncurrent loans to loans | 0.1009% | 7,065 |
| Net loans and leases to total assets | 44.1266% | 6,910 |
| Net loans and leases to deposits | 55.9646% | 6,731 |
| Net loans and leases to core deposits | 56.9122% | 6,891 |
| Total domestic deposits to total assets | 78.8473% | 6,077 |
| Equity capital to assets | 20.4849% | 263 |
| Core capital (leverage) ratio | 20.1643% | 241 |
| Tier 1 risk-based capital ratio | 33.7712% | 383 |
| Total risk-based capital ratio | 35.0285% | 379 |
| Memoranda: | ||
| Average total assets | $26,311,670 | 7,459 |
| Average earning assets | $22,852,330 | 7,484 |
| Average equity | $5,352,670 | 6,665 |
| Average total loans | $12,600,330 | 7,423 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 5,508 |
| Cost of funding earning assets | 0.7441% | 7,246 |
| Net interest margin | 4.1458% | 2,249 |
| Noninterest income to average assets | 0.2739% | 5,963 |
| Noninterest expense to average assets | 2.9061% | 4,037 |
| Loan and lease loss provision to assets | 0.0761% | 5,883 |
| Net operating income to assets | 0.5934% | 3,918 |
| Return on assets (ROA) | 0.5934% | 4,065 |
| Pretax return on assets | 0.8521% | 3,658 |
| Return on Equity (ROE) | 2.9271% | 5,364 |
| Retained earnings to average equity (ytd only) | 2.9271% | 4,372 |
| Net charge-offs to loans | -0.1544% | 7,622 |
| Credit loss provision to net charge-offs | -100.0000% | 6,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7937% | 3,251 |
| Assets per employee ($millions) | 3.2393% | 5,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0855% | 1,986 |
| Loan loss allowance to noncurrent loans | 1,034.7826% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 7,118 |
| Noncurrent loans to loans | 0.2015% | 6,939 |
| Net loans and leases to total assets | 43.1195% | 7,054 |
| Net loans and leases to deposits | 54.7879% | 6,867 |
| Net loans and leases to core deposits | 55.7307% | 7,006 |
| Total domestic deposits to total assets | 78.7026% | 6,151 |
| Equity capital to assets | 20.6414% | 257 |
| Core capital (leverage) ratio | 19.6582% | 272 |
| Tier 1 risk-based capital ratio | 35.3840% | 349 |
| Total risk-based capital ratio | 36.6409% | 338 |
| Memoranda: | ||
| Average total assets | $26,289,500 | 7,554 |
| Average earning assets | $22,577,000 | 7,580 |
| Average equity | $5,329,500 | 6,729 |
| Average total loans | $12,955,000 | 7,498 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1624% | 5,820 |
| Cost of funding earning assets | 0.9449% | 7,319 |
| Net interest margin | 4.2175% | 2,010 |
| Noninterest income to average assets | 0.2771% | 6,121 |
| Noninterest expense to average assets | 2.9674% | 4,272 |
| Loan and lease loss provision to assets | 0.2309% | 5,520 |
| Net operating income to assets | 0.5966% | 3,341 |
| Return on assets (ROA) | 0.5966% | 3,423 |
| Pretax return on assets | 0.8236% | 3,173 |
| Return on Equity (ROE) | 2.9646% | 4,514 |
| Retained earnings to average equity (ytd only) | 2.9646% | 3,093 |
| Net charge-offs to loans | 1.2025% | 2,048 |
| Credit loss provision to net charge-offs | 35.9281% | 6,863 |
| Earnings coverage of net charge-offs (x) | 1.6407% | 4,511 |
| Efficiency ratio | 73.7799% | 3,944 |
| Assets per employee ($millions) | 3.3331% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5726% | 3,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 7,357 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 53.5158% | 6,247 |
| Net loans and leases to deposits | 67.2701% | 5,913 |
| Net loans and leases to core deposits | 75.0026% | 6,468 |
| Total domestic deposits to total assets | 79.5537% | 5,829 |
| Equity capital to assets | 19.9137% | 300 |
| Core capital (leverage) ratio | 19.9309% | 285 |
| Tier 1 risk-based capital ratio | 29.9678% | 527 |
| Total risk-based capital ratio | 31.2207% | 509 |
| Memoranda: | ||
| Average total assets | $25,982,200 | 7,609 |
| Average earning assets | $23,070,600 | 7,612 |
| Average equity | $5,228,400 | 6,862 |
| Average total loans | $13,887,800 | 7,503 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 6,351 |
| Cost of funding earning assets | 0.9925% | 7,403 |
| Net interest margin | 4.0846% | 2,461 |
| Noninterest income to average assets | 0.2841% | 6,200 |
| Noninterest expense to average assets | 2.9443% | 4,254 |
| Loan and lease loss provision to assets | 0.3099% | 4,491 |
| Net operating income to assets | 0.5166% | 3,917 |
| Return on assets (ROA) | 0.5166% | 4,011 |
| Pretax return on assets | 0.7077% | 3,825 |
| Return on Equity (ROE) | 2.5601% | 4,959 |
| Retained earnings to average equity (ytd only) | 2.5601% | 3,883 |
| Net charge-offs to loans | 1.3590% | 1,516 |
| Credit loss provision to net charge-offs | 42.8571% | 6,395 |
| Earnings coverage of net charge-offs (x) | 1.4072% | 4,727 |
| Efficiency ratio | 74.3155% | 3,815 |
| Assets per employee ($millions) | 3.2058% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8422% | 2,171 |
| Loan loss allowance to noncurrent loans | 2,125.0000% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 7,286 |
| Noncurrent loans to loans | 0.0867% | 7,269 |
| Net loans and leases to total assets | 52.9790% | 6,499 |
| Net loans and leases to deposits | 67.3124% | 6,188 |
| Net loans and leases to core deposits | 76.2030% | 6,597 |
| Total domestic deposits to total assets | 78.7062% | 5,893 |
| Equity capital to assets | 20.4905% | 308 |
| Core capital (leverage) ratio | 20.3509% | 293 |
| Tier 1 risk-based capital ratio | 30.9172% | 522 |
| Total risk-based capital ratio | 32.1704% | 506 |
| Memoranda: | ||
| Average total assets | $25,811,500 | 7,687 |
| Average earning assets | $23,241,250 | 7,682 |
| Average equity | $5,208,000 | 6,935 |
| Average total loans | $13,735,250 | 7,584 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 6,891 |
| Cost of funding earning assets | 1.0528% | 7,458 |
| Net interest margin | 3.9091% | 3,069 |
| Noninterest income to average assets | 0.3093% | 6,036 |
| Noninterest expense to average assets | 2.9149% | 4,452 |
| Loan and lease loss provision to assets | 0.1160% | 5,982 |
| Net operating income to assets | 0.5644% | 3,829 |
| Return on assets (ROA) | 0.5644% | 3,941 |
| Pretax return on assets | 0.7809% | 3,736 |
| Return on Equity (ROE) | 2.8118% | 4,973 |
| Retained earnings to average equity (ytd only) | 2.8118% | 3,755 |
| Net charge-offs to loans | 2.0876% | 884 |
| Credit loss provision to net charge-offs | 10.4895% | 6,186 |
| Earnings coverage of net charge-offs (x) | 0.8112% | 4,926 |
| Efficiency ratio | 76.4706% | 3,602 |
| Assets per employee ($millions) | 3.2836% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 3,134 |
| Loan loss allowance to noncurrent loans | 796.1538% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 7,172 |
| Noncurrent loans to loans | 0.1895% | 7,041 |
| Net loans and leases to total assets | 51.4332% | 6,744 |
| Net loans and leases to deposits | 64.7979% | 6,490 |
| Net loans and leases to core deposits | 72.1896% | 6,886 |
| Total domestic deposits to total assets | 79.3749% | 5,698 |
| Equity capital to assets | 19.9018% | 391 |
| Core capital (leverage) ratio | 19.3001% | 399 |
| Tier 1 risk-based capital ratio | 30.5178% | 572 |
| Total risk-based capital ratio | 31.7261% | 558 |
| Memoranda: | ||
| Average total assets | $25,866,670 | 7,759 |
| Average earning assets | $23,176,670 | 7,761 |
| Average equity | $5,192,330 | 6,998 |
| Average total loans | $13,699,670 | 7,669 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8819% | 7,211 |
| Cost of funding earning assets | 1.1002% | 7,523 |
| Net interest margin | 3.7818% | 3,528 |
| Noninterest income to average assets | 0.3585% | 5,577 |
| Noninterest expense to average assets | 2.9144% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6078% | 3,982 |
| Return on assets (ROA) | 0.6078% | 4,175 |
| Pretax return on assets | 0.8728% | 3,820 |
| Return on Equity (ROE) | 3.0148% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.0148% | 4,199 |
| Net charge-offs to loans | -2.5711% | 8,182 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9547% | 3,334 |
| Assets per employee ($millions) | 3.3254% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4421% | 335 |
| Loan loss allowance to noncurrent loans | 138.2353% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 1.2066% | 4,258 |
| Noncurrent loans to loans | 2.4900% | 2,643 |
| Net loans and leases to total assets | 44.6040% | 7,293 |
| Net loans and leases to deposits | 55.9400% | 7,164 |
| Net loans and leases to core deposits | 61.8504% | 7,397 |
| Total domestic deposits to total assets | 79.7354% | 5,454 |
| Equity capital to assets | 19.5241% | 445 |
| Core capital (leverage) ratio | 19.5882% | 414 |
| Tier 1 risk-based capital ratio | 33.4600% | 477 |
| Total risk-based capital ratio | 34.7291% | 472 |
| Memoranda: | ||
| Average total assets | $25,665,500 | 7,812 |
| Average earning assets | $23,269,500 | 7,796 |
| Average equity | $5,174,500 | 7,059 |
| Average total loans | $13,690,500 | 7,712 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2305% | 4,350 |
| Cost of funding earning assets | 1.4753% | 7,647 |
| Net interest margin | 4.7552% | 857 |
| Noninterest income to average assets | 0.3146% | 6,202 |
| Noninterest expense to average assets | 3.4562% | 2,505 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9480% | 2,801 |
| Return on assets (ROA) | 0.9480% | 2,657 |
| Pretax return on assets | 1.3391% | 2,172 |
| Return on Equity (ROE) | 4.3609% | 4,655 |
| Retained earnings to average equity (ytd only) | -1.5058% | 5,740 |
| Net charge-offs to loans | 0.3690% | 2,995 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 5.8333% | 3,519 |
| Efficiency ratio | 72.0745% | 3,919 |
| Assets per employee ($millions) | 3.0910% | 5,800 |
| Cash dividends to net income (ytd only)* | 134.5291% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2197% | 928 |
| Loan loss allowance to noncurrent loans | 109.1205% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.3628% | 3,474 |
| Noncurrent loans to loans | 2.0342% | 2,720 |
| Net loans and leases to total assets | 59.6773% | 5,961 |
| Net loans and leases to deposits | 76.0749% | 5,586 |
| Net loans and leases to core deposits | 84.8982% | 6,220 |
| Total domestic deposits to total assets | 78.4455% | 5,566 |
| Equity capital to assets | 20.8468% | 414 |
| Core capital (leverage) ratio | 20.8207% | 384 |
| Tier 1 risk-based capital ratio | 29.2499% | 682 |
| Total risk-based capital ratio | 30.5095% | 669 |
| Memoranda: | ||
| Average total assets | $23,522,800 | 7,891 |
| Average earning assets | $22,165,000 | 7,857 |
| Average equity | $5,113,600 | 7,108 |
| Average total loans | $14,634,800 | 7,669 |