Home > Currency Bank > Performance and Condition Ratios
Currency 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 | 5.6684% | 964 |
| Cost of funding earning assets | 1.7029% | 1,449 |
| Net interest margin | 3.9655% | 1,258 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.3398% | 2,745 |
| Loan and lease loss provision to assets | 0.5100% | 177 |
| Net operating income to assets | 0.9103% | 2,513 |
| Return on assets (ROA) | 0.9103% | 2,484 |
| Pretax return on assets | 1.1439% | 2,279 |
| Return on Equity (ROE) | 4.7900% | 3,761 |
| Retained earnings to average equity (ytd only) | 4.7882% | 2,677 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.8907% | 3,507 |
| Assets per employee ($millions) | 8.8319% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 1,206 |
| Loan loss allowance to noncurrent loans | 7,500.0000% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 3,675 |
| Noncurrent loans to loans | 0.0193% | 3,600 |
| Net loans and leases to total assets | 66.0100% | 2,255 |
| Net loans and leases to deposits | 80.1952% | 2,088 |
| Net loans and leases to core deposits | 90.3543% | 2,026 |
| Total domestic deposits to total assets | 82.3100% | 3,067 |
| Equity capital to assets | 17.1818% | 379 |
| Core capital (leverage) ratio | 16.0022% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2245% | 467 |
| Memoranda: | ||
| Average total assets | $159,285,800 | 3,277 |
| Average earning assets | $148,684,200 | 3,261 |
| Average equity | $30,282,600 | 2,253 |
| Average total loans | $107,314,000 | 3,101 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5498% | 958 |
| Cost of funding earning assets | 1.5713% | 1,431 |
| Net interest margin | 3.9784% | 1,255 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.4346% | 2,425 |
| Loan and lease loss provision to assets | 0.4600% | 172 |
| Net operating income to assets | 0.8729% | 2,787 |
| Return on assets (ROA) | 0.8729% | 2,771 |
| Pretax return on assets | 1.0981% | 2,569 |
| Return on Equity (ROE) | 4.4600% | 3,908 |
| Retained earnings to average equity (ytd only) | 4.4612% | 3,119 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.1985% | 3,182 |
| Assets per employee ($millions) | 7.9773% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 2,092 |
| Loan loss allowance to noncurrent loans | 6,291.6667% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 3,702 |
| Noncurrent loans to loans | 0.0199% | 3,623 |
| Net loans and leases to total assets | 67.8300% | 2,062 |
| Net loans and leases to deposits | 83.0868% | 1,820 |
| Net loans and leases to core deposits | 94.4340% | 1,652 |
| Total domestic deposits to total assets | 81.6300% | 3,287 |
| Equity capital to assets | 17.8079% | 355 |
| Core capital (leverage) ratio | 16.8648% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3037% | 469 |
| Memoranda: | ||
| Average total assets | $152,740,000 | 3,343 |
| Average earning assets | $142,296,500 | 3,327 |
| Average equity | $29,886,500 | 2,254 |
| Average total loans | $103,087,000 | 3,142 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4214% | 932 |
| Cost of funding earning assets | 1.3535% | 1,573 |
| Net interest margin | 4.0679% | 1,133 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.5049% | 2,193 |
| Loan and lease loss provision to assets | 0.4900% | 151 |
| Net operating income to assets | 0.8832% | 2,815 |
| Return on assets (ROA) | 0.8832% | 2,803 |
| Pretax return on assets | 1.1188% | 2,592 |
| Return on Equity (ROE) | 4.3600% | 3,973 |
| Retained earnings to average equity (ytd only) | 4.3560% | 3,114 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.0905% | 3,180 |
| Assets per employee ($millions) | 7.0261% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 2,383 |
| Loan loss allowance to noncurrent loans | 3,822.8571% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,587 |
| Noncurrent loans to loans | 0.0317% | 3,514 |
| Net loans and leases to total assets | 70.5800% | 1,679 |
| Net loans and leases to deposits | 88.8583% | 1,278 |
| Net loans and leases to core deposits | 97.6112% | 1,374 |
| Total domestic deposits to total assets | 79.4300% | 3,663 |
| Equity capital to assets | 20.0072% | 283 |
| Core capital (leverage) ratio | 18.5043% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6989% | 400 |
| Memoranda: | ||
| Average total assets | $145,153,000 | 3,424 |
| Average earning assets | $134,909,000 | 3,415 |
| Average equity | $29,431,000 | 2,287 |
| Average total loans | $97,267,333 | 3,203 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1137% | 1,073 |
| Cost of funding earning assets | 1.0811% | 1,803 |
| Net interest margin | 4.0326% | 1,207 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.5405% | 2,131 |
| Loan and lease loss provision to assets | 0.4300% | 185 |
| Net operating income to assets | 0.8288% | 3,098 |
| Return on assets (ROA) | 0.8288% | 3,055 |
| Pretax return on assets | 1.0481% | 2,862 |
| Return on Equity (ROE) | 4.0600% | 4,031 |
| Retained earnings to average equity (ytd only) | 4.0581% | 3,258 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.2837% | 2,923 |
| Assets per employee ($millions) | 6.7234% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 2,401 |
| Loan loss allowance to noncurrent loans | 7,553.3333% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,765 |
| Noncurrent loans to loans | 0.0163% | 3,683 |
| Net loans and leases to total assets | 61.5900% | 2,504 |
| Net loans and leases to deposits | 78.1775% | 1,953 |
| Net loans and leases to core deposits | 86.7777% | 1,815 |
| Total domestic deposits to total assets | 78.7800% | 3,913 |
| Equity capital to assets | 20.7058% | 217 |
| Core capital (leverage) ratio | 20.7939% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1100% | 289 |
| Memoranda: | ||
| Average total assets | $140,442,500 | 3,518 |
| Average earning assets | $130,237,500 | 3,500 |
| Average equity | $28,683,500 | 2,347 |
| Average total loans | $90,681,000 | 3,322 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 615 |
| Cost of funding earning assets | 0.3932% | 2,153 |
| Net interest margin | 4.2046% | 529 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.9035% | 1,118 |
| Loan and lease loss provision to assets | 0.6000% | 92 |
| Net operating income to assets | 0.6638% | 3,723 |
| Return on assets (ROA) | 0.6529% | 3,700 |
| Pretax return on assets | 0.8265% | 3,558 |
| Return on Equity (ROE) | 2.9400% | 4,299 |
| Retained earnings to average equity (ytd only) | 2.9430% | 3,737 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.4413% | 2,572 |
| Assets per employee ($millions) | 6.3317% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 2,883 |
| Loan loss allowance to noncurrent loans | 1,156.4706% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 3,165 |
| Noncurrent loans to loans | 0.0954% | 3,083 |
| Net loans and leases to total assets | 66.3000% | 2,003 |
| Net loans and leases to deposits | 83.4876% | 1,502 |
| Net loans and leases to core deposits | 90.7268% | 1,466 |
| Total domestic deposits to total assets | 79.4100% | 3,953 |
| Equity capital to assets | 20.0918% | 228 |
| Core capital (leverage) ratio | 18.6953% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8555% | 335 |
| Memoranda: | ||
| Average total assets | $115,791,800 | 3,766 |
| Average earning assets | $105,552,000 | 3,780 |
| Average equity | $25,688,200 | 2,550 |
| Average total loans | $73,071,600 | 3,521 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 564 |
| Cost of funding earning assets | 0.2816% | 2,366 |
| Net interest margin | 4.1348% | 481 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.9799% | 932 |
| Loan and lease loss provision to assets | 0.6300% | 79 |
| Net operating income to assets | 0.5879% | 3,861 |
| Return on assets (ROA) | 0.5728% | 3,857 |
| Pretax return on assets | 0.7235% | 3,757 |
| Return on Equity (ROE) | 2.5100% | 4,357 |
| Retained earnings to average equity (ytd only) | 2.5113% | 3,914 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.0261% | 2,402 |
| Assets per employee ($millions) | 5.9029% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 3,711 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 68.4800% | 1,621 |
| Net loans and leases to deposits | 87.2363% | 1,086 |
| Net loans and leases to core deposits | 93.3332% | 1,126 |
| Total domestic deposits to total assets | 78.5000% | 4,220 |
| Equity capital to assets | 21.2720% | 192 |
| Core capital (leverage) ratio | 19.3671% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7822% | 321 |
| Memoranda: | ||
| Average total assets | $111,498,500 | 3,841 |
| Average earning assets | $101,317,000 | 3,848 |
| Average equity | $25,431,500 | 2,601 |
| Average total loans | $69,055,750 | 3,607 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1995% | 628 |
| Cost of funding earning assets | 0.2142% | 2,716 |
| Net interest margin | 3.9853% | 510 |
| Noninterest income to average assets | 0.6130% | 1,685 |
| Noninterest expense to average assets | 2.9606% | 894 |
| Loan and lease loss provision to assets | 0.6651% | 74 |
| Net operating income to assets | 0.5925% | 3,646 |
| Return on assets (ROA) | 0.5627% | 3,676 |
| Pretax return on assets | 0.5627% | 3,893 |
| Return on Equity (ROE) | 2.4046% | 4,308 |
| Retained earnings to average equity (ytd only) | 2.4046% | 3,643 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4753% | 2,445 |
| Assets per employee ($millions) | 5.5530% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 4,239 |
| Loan loss allowance to noncurrent loans | 202.5237% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 1,952 |
| Noncurrent loans to loans | 0.3757% | 2,016 |
| Net loans and leases to total assets | 71.8031% | 1,123 |
| Net loans and leases to deposits | 92.9446% | 558 |
| Net loans and leases to core deposits | 96.3101% | 816 |
| Total domestic deposits to total assets | 77.2536% | 4,397 |
| Equity capital to assets | 22.6229% | 122 |
| Core capital (leverage) ratio | 21.2055% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8595% | 297 |
| Memoranda: | ||
| Average total assets | $107,344,333 | 3,921 |
| Average earning assets | $97,106,333 | 3,943 |
| Average equity | $25,119,000 | 2,676 |
| Average total loans | $63,506,667 | 3,732 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8326% | 1,027 |
| Cost of funding earning assets | 0.1999% | 2,805 |
| Net interest margin | 3.6327% | 846 |
| Noninterest income to average assets | 0.2796% | 3,459 |
| Noninterest expense to average assets | 2.8780% | 1,001 |
| Loan and lease loss provision to assets | 0.4272% | 117 |
| Net operating income to assets | 0.2214% | 4,298 |
| Return on assets (ROA) | 0.2214% | 4,265 |
| Pretax return on assets | 0.2214% | 4,301 |
| Return on Equity (ROE) | 0.9211% | 4,438 |
| Retained earnings to average equity (ytd only) | 0.9211% | 3,841 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9824% | 1,411 |
| Assets per employee ($millions) | 5.1161% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6705% | 4,432 |
| Loan loss allowance to noncurrent loans | 121.9136% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 1,912 |
| Noncurrent loans to loans | 0.5500% | 1,664 |
| Net loans and leases to total assets | 54.4612% | 2,701 |
| Net loans and leases to deposits | 71.0149% | 1,865 |
| Net loans and leases to core deposits | 72.9585% | 2,026 |
| Total domestic deposits to total assets | 76.6898% | 4,474 |
| Equity capital to assets | 23.2115% | 105 |
| Core capital (leverage) ratio | 20.8264% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9870% | 266 |
| Memoranda: | ||
| Average total assets | $102,988,500 | 3,979 |
| Average earning assets | $92,052,500 | 4,004 |
| Average equity | $24,752,000 | 2,789 |
| Average total loans | $53,073,500 | 3,922 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4921% | 4,482 |
| Cost of funding earning assets | 0.1536% | 3,933 |
| Net interest margin | 2.3384% | 4,384 |
| Noninterest income to average assets | 0.4945% | 2,595 |
| Noninterest expense to average assets | 2.2511% | 2,946 |
| Loan and lease loss provision to assets | 0.3343% | 231 |
| Net operating income to assets | -0.0165% | 4,687 |
| Return on assets (ROA) | -0.0165% | 4,696 |
| Pretax return on assets | -0.0013% | 4,692 |
| Return on Equity (ROE) | -0.0810% | 4,695 |
| Retained earnings to average equity (ytd only) | -0.0810% | 4,507 |
| Net charge-offs to loans | -0.0510% | 4,333 |
| Credit loss provision to net charge-offs | -1,315.0000% | 3,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6695% | 591 |
| Assets per employee ($millions) | 4.9548% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6033% | 4,539 |
| Loan loss allowance to noncurrent loans | 87.9630% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 1,926 |
| Noncurrent loans to loans | 0.6859% | 1,464 |
| Net loans and leases to total assets | 47.3838% | 3,555 |
| Net loans and leases to deposits | 63.5420% | 2,731 |
| Net loans and leases to core deposits | 64.8066% | 2,916 |
| Total domestic deposits to total assets | 74.5709% | 4,571 |
| Equity capital to assets | 25.3232% | 89 |
| Core capital (leverage) ratio | 22.5624% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.7876% | 169 |
| Memoranda: | ||
| Average total assets | $78,673,200 | 4,236 |
| Average earning assets | $70,303,000 | 4,256 |
| Average equity | $16,056,000 | 3,536 |
| Average total loans | $39,180,200 | 4,211 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1168% | 4,739 |
| Cost of funding earning assets | 0.1277% | 4,277 |
| Net interest margin | 1.9891% | 4,686 |
| Noninterest income to average assets | 0.2320% | 4,010 |
| Noninterest expense to average assets | 1.7543% | 4,253 |
| Loan and lease loss provision to assets | 0.1359% | 835 |
| Net operating income to assets | 0.0979% | 4,701 |
| Return on assets (ROA) | 0.0979% | 4,717 |
| Pretax return on assets | 0.1196% | 4,708 |
| Return on Equity (ROE) | 0.5219% | 4,724 |
| Retained earnings to average equity (ytd only) | 0.5219% | 4,491 |
| Net charge-offs to loans | -0.0717% | 4,491 |
| Credit loss provision to net charge-offs | -375.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2858% | 387 |
| Assets per employee ($millions) | 4.1699% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2006% | 4,838 |
| Loan loss allowance to noncurrent loans | 28.5294% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 1,828 |
| Noncurrent loans to loans | 0.7033% | 1,576 |
| Net loans and leases to total assets | 55.0955% | 2,841 |
| Net loans and leases to deposits | 77.5510% | 1,519 |
| Net loans and leases to core deposits | 79.3885% | 1,787 |
| Total domestic deposits to total assets | 71.0442% | 4,708 |
| Equity capital to assets | 28.7902% | 73 |
| Core capital (leverage) ratio | 25.6446% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0436% | 194 |
| Memoranda: | ||
| Average total assets | $73,567,750 | 4,351 |
| Average earning assets | $65,756,750 | 4,373 |
| Average equity | $13,796,500 | 3,804 |
| Average total loans | $37,165,250 | 4,305 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1173% | 4,902 |
| Cost of funding earning assets | 0.1124% | 4,488 |
| Net interest margin | 1.0049% | 4,899 |
| Noninterest income to average assets | 0.1422% | 4,493 |
| Noninterest expense to average assets | 0.8041% | 4,906 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2119% | 4,623 |
| Return on assets (ROA) | 0.2119% | 4,638 |
| Pretax return on assets | 0.2467% | 4,637 |
| Return on Equity (ROE) | 1.4612% | 4,651 |
| Retained earnings to average equity (ytd only) | 1.4612% | 4,246 |
| Net charge-offs to loans | 0.0120% | 1,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 1,131 |
| Efficiency ratio | 76.5193% | 1,033 |
| Assets per employee ($millions) | 4.3350% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,901 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 1,847 |
| Noncurrent loans to loans | 0.8623% | 1,430 |
| Net loans and leases to total assets | 49.0452% | 3,641 |
| Net loans and leases to deposits | 63.0239% | 3,103 |
| Net loans and leases to core deposits | 64.5515% | 3,240 |
| Total domestic deposits to total assets | 77.8201% | 4,447 |
| Equity capital to assets | 21.9698% | 126 |
| Core capital (leverage) ratio | 16.9503% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2250% | 530 |
| Memoranda: | ||
| Average total assets | $68,901,000 | 4,437 |
| Average earning assets | $62,294,000 | 4,444 |
| Average equity | $9,991,667 | 4,203 |
| Average total loans | $33,439,333 | 4,403 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6526% | 2,490 |
| Cost of funding earning assets | 0.4464% | 1,750 |
| Net interest margin | 3.2061% | 2,679 |
| Noninterest income to average assets | 0.4850% | 2,675 |
| Noninterest expense to average assets | 2.4434% | 2,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7834% | 3,475 |
| Return on assets (ROA) | 0.7834% | 3,541 |
| Pretax return on assets | 0.9886% | 3,404 |
| Return on Equity (ROE) | 7.8554% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.8554% | 2,295 |
| Net charge-offs to loans | -0.0387% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1957% | 1,587 |
| Assets per employee ($millions) | 4.4999% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 3,423 |
| Loan loss allowance to noncurrent loans | 87.3762% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 1,408 |
| Noncurrent loans to loans | 1.2606% | 1,027 |
| Net loans and leases to total assets | 50.3103% | 3,595 |
| Net loans and leases to deposits | 56.2417% | 3,775 |
| Net loans and leases to core deposits | 57.7091% | 3,856 |
| Total domestic deposits to total assets | 89.4538% | 1,095 |
| Equity capital to assets | 10.2478% | 2,483 |
| Core capital (leverage) ratio | 10.0025% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3868% | 1,446 |
| Memoranda: | ||
| Average total assets | $64,336,500 | 4,502 |
| Average earning assets | $59,136,500 | 4,499 |
| Average equity | $6,416,000 | 4,593 |
| Average total loans | $31,024,000 | 4,473 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 1,376 |
| Cost of funding earning assets | 0.6688% | 1,880 |
| Net interest margin | 3.8052% | 1,486 |
| Noninterest income to average assets | 0.5072% | 2,598 |
| Noninterest expense to average assets | 2.9883% | 1,459 |
| Loan and lease loss provision to assets | 0.2095% | 1,876 |
| Net operating income to assets | 0.6283% | 3,654 |
| Return on assets (ROA) | 0.6569% | 3,696 |
| Pretax return on assets | 0.8412% | 3,526 |
| Return on Equity (ROE) | 6.4095% | 3,446 |
| Retained earnings to average equity (ytd only) | 0.2613% | 4,440 |
| Net charge-offs to loans | 0.4167% | 408 |
| Credit loss provision to net charge-offs | 91.0959% | 2,923 |
| Earnings coverage of net charge-offs (x) | 4.4110% | 2,989 |
| Efficiency ratio | 74.6556% | 1,369 |
| Assets per employee ($millions) | 5.0518% | 3,336 |
| Cash dividends to net income (ytd only)* | 95.9233% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 3,125 |
| Loan loss allowance to noncurrent loans | 97.7654% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 1,919 |
| Noncurrent loans to loans | 1.1933% | 1,180 |
| Net loans and leases to total assets | 45.1472% | 4,186 |
| Net loans and leases to deposits | 50.1751% | 4,309 |
| Net loans and leases to core deposits | 54.6755% | 4,223 |
| Total domestic deposits to total assets | 89.9793% | 574 |
| Equity capital to assets | 9.7086% | 3,396 |
| Core capital (leverage) ratio | 9.4784% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3958% | 1,425 |
| Memoranda: | ||
| Average total assets | $63,480,200 | 4,467 |
| Average earning assets | $58,315,600 | 4,461 |
| Average equity | $6,506,000 | 4,583 |
| Average total loans | $35,040,200 | 4,404 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6806% | 1,105 |
| Cost of funding earning assets | 0.7084% | 1,977 |
| Net interest margin | 3.9722% | 1,176 |
| Noninterest income to average assets | 0.5106% | 2,564 |
| Noninterest expense to average assets | 2.8644% | 1,791 |
| Loan and lease loss provision to assets | 0.1907% | 2,081 |
| Net operating income to assets | 0.9054% | 2,684 |
| Return on assets (ROA) | 0.9449% | 2,671 |
| Pretax return on assets | 1.1631% | 2,514 |
| Return on Equity (ROE) | 9.0946% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.0946% | 954 |
| Net charge-offs to loans | 0.2241% | 681 |
| Credit loss provision to net charge-offs | 147.5410% | 2,340 |
| Earnings coverage of net charge-offs (x) | 10.0984% | 2,380 |
| Efficiency ratio | 68.6992% | 2,086 |
| Assets per employee ($millions) | 4.5674% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 3,310 |
| Loan loss allowance to noncurrent loans | 76.4133% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.8023% | 1,436 |
| Noncurrent loans to loans | 1.4129% | 1,022 |
| Net loans and leases to total assets | 56.1688% | 3,605 |
| Net loans and leases to deposits | 63.0980% | 3,854 |
| Net loans and leases to core deposits | 72.4580% | 3,439 |
| Total domestic deposits to total assets | 89.0183% | 760 |
| Equity capital to assets | 10.6517% | 2,673 |
| Core capital (leverage) ratio | 10.4594% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8132% | 1,886 |
| Memoranda: | ||
| Average total assets | $62,931,750 | 4,486 |
| Average earning assets | $57,967,750 | 4,485 |
| Average equity | $6,538,500 | 4,602 |
| Average total loans | $36,300,250 | 4,409 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7533% | 1,274 |
| Cost of funding earning assets | 0.7604% | 2,052 |
| Net interest margin | 3.9929% | 1,342 |
| Noninterest income to average assets | 0.5240% | 2,467 |
| Noninterest expense to average assets | 2.8693% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0520% | 2,139 |
| Return on assets (ROA) | 1.0672% | 2,204 |
| Pretax return on assets | 1.3484% | 1,872 |
| Return on Equity (ROE) | 10.3603% | 1,861 |
| Retained earnings to average equity (ytd only) | 10.3603% | 722 |
| Net charge-offs to loans | 0.0055% | 2,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 416.0000% | 242 |
| Efficiency ratio | 68.3409% | 2,196 |
| Assets per employee ($millions) | 4.1542% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 3,901 |
| Loan loss allowance to noncurrent loans | 95.5145% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.6082% | 1,982 |
| Noncurrent loans to loans | 0.9689% | 1,596 |
| Net loans and leases to total assets | 62.1909% | 3,108 |
| Net loans and leases to deposits | 69.9424% | 3,428 |
| Net loans and leases to core deposits | 81.2330% | 2,848 |
| Total domestic deposits to total assets | 88.9172% | 779 |
| Equity capital to assets | 10.7393% | 2,537 |
| Core capital (leverage) ratio | 10.5665% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7390% | 2,295 |
| Memoranda: | ||
| Average total assets | $62,594,667 | 4,500 |
| Average earning assets | $57,601,667 | 4,502 |
| Average equity | $6,447,667 | 4,635 |
| Average total loans | $36,297,667 | 4,423 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9308% | 1,115 |
| Cost of funding earning assets | 0.8067% | 2,343 |
| Net interest margin | 4.1241% | 1,087 |
| Noninterest income to average assets | 0.5675% | 2,191 |
| Noninterest expense to average assets | 2.8054% | 2,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2178% | 1,458 |
| Return on assets (ROA) | 1.2178% | 1,570 |
| Pretax return on assets | 1.5430% | 1,200 |
| Return on Equity (ROE) | 12.0781% | 1,082 |
| Retained earnings to average equity (ytd only) | 12.0781% | 419 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5161% | 3,146 |
| Assets per employee ($millions) | 4.0111% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 3,514 |
| Loan loss allowance to noncurrent loans | 1,728.5714% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,444 |
| Noncurrent loans to loans | 0.0599% | 4,309 |
| Net loans and leases to total assets | 57.6346% | 3,700 |
| Net loans and leases to deposits | 64.7321% | 3,937 |
| Net loans and leases to core deposits | 75.5803% | 3,521 |
| Total domestic deposits to total assets | 89.0355% | 643 |
| Equity capital to assets | 10.5689% | 3,259 |
| Core capital (leverage) ratio | 10.3362% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4553% | 2,092 |
| Memoranda: | ||
| Average total assets | $62,735,500 | 4,516 |
| Average earning assets | $57,515,500 | 4,519 |
| Average equity | $6,325,500 | 4,683 |
| Average total loans | $34,889,000 | 4,476 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 1,605 |
| Cost of funding earning assets | 0.8821% | 2,277 |
| Net interest margin | 4.0715% | 1,616 |
| Noninterest income to average assets | 0.5480% | 2,490 |
| Noninterest expense to average assets | 2.9191% | 2,234 |
| Loan and lease loss provision to assets | 0.0396% | 3,227 |
| Net operating income to assets | 1.0501% | 2,655 |
| Return on assets (ROA) | 1.0818% | 2,612 |
| Pretax return on assets | 1.3574% | 2,304 |
| Return on Equity (ROE) | 10.9060% | 1,923 |
| Retained earnings to average equity (ytd only) | 0.9421% | 4,401 |
| Net charge-offs to loans | 0.0398% | 2,588 |
| Credit loss provision to net charge-offs | 178.5714% | 1,458 |
| Earnings coverage of net charge-offs (x) | 61.2143% | 966 |
| Efficiency ratio | 68.2593% | 2,424 |
| Assets per employee ($millions) | 4.3536% | 3,431 |
| Cash dividends to net income (ytd only)* | 91.3616% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,250 |
| Loan loss allowance to noncurrent loans | 180.5970% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 3,196 |
| Noncurrent loans to loans | 0.5786% | 2,452 |
| Net loans and leases to total assets | 52.6384% | 4,175 |
| Net loans and leases to deposits | 58.4838% | 4,355 |
| Net loans and leases to core deposits | 67.2766% | 4,121 |
| Total domestic deposits to total assets | 90.0052% | 315 |
| Equity capital to assets | 9.6349% | 4,236 |
| Core capital (leverage) ratio | 9.7336% | 3,811 |
| Tier 1 risk-based capital ratio | 13.1914% | 3,688 |
| Total risk-based capital ratio | 13.9664% | 3,826 |
| Memoranda: | ||
| Average total assets | $63,135,000 | 4,547 |
| Average earning assets | $57,817,200 | 4,560 |
| Average equity | $6,262,600 | 4,726 |
| Average total loans | $35,152,400 | 4,529 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 1,572 |
| Cost of funding earning assets | 0.8665% | 2,382 |
| Net interest margin | 4.1209% | 1,572 |
| Noninterest income to average assets | 0.5517% | 2,451 |
| Noninterest expense to average assets | 2.7351% | 2,768 |
| Loan and lease loss provision to assets | 0.0532% | 2,847 |
| Net operating income to assets | 1.2078% | 2,171 |
| Return on assets (ROA) | 1.2078% | 2,246 |
| Pretax return on assets | 1.5422% | 1,834 |
| Return on Equity (ROE) | 12.0855% | 1,590 |
| Retained earnings to average equity (ytd only) | 11.8724% | 402 |
| Net charge-offs to loans | -0.0038% | 4,148 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 3,132 |
| Assets per employee ($millions) | 4.5505% | 3,120 |
| Cash dividends to net income (ytd only)* | 1.7633% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,540 |
| Loan loss allowance to noncurrent loans | 360.0000% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 3,919 |
| Noncurrent loans to loans | 0.2792% | 3,539 |
| Net loans and leases to total assets | 58.4347% | 3,833 |
| Net loans and leases to deposits | 70.6314% | 3,721 |
| Net loans and leases to core deposits | 82.6624% | 3,204 |
| Total domestic deposits to total assets | 82.7319% | 3,238 |
| Equity capital to assets | 10.6896% | 3,387 |
| Core capital (leverage) ratio | 10.5674% | 3,041 |
| Tier 1 risk-based capital ratio | 13.7733% | 3,435 |
| Total risk-based capital ratio | 14.5530% | 3,584 |
| Memoranda: | ||
| Average total assets | $62,592,750 | 4,609 |
| Average earning assets | $57,397,250 | 4,623 |
| Average equity | $6,255,250 | 4,790 |
| Average total loans | $35,256,000 | 4,586 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 1,670 |
| Cost of funding earning assets | 0.8085% | 2,601 |
| Net interest margin | 4.1201% | 1,552 |
| Noninterest income to average assets | 0.5657% | 2,309 |
| Noninterest expense to average assets | 2.7804% | 2,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2182% | 2,079 |
| Return on assets (ROA) | 1.2182% | 2,136 |
| Pretax return on assets | 1.5525% | 1,689 |
| Return on Equity (ROE) | 12.4870% | 1,419 |
| Retained earnings to average equity (ytd only) | 12.4870% | 351 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1691% | 3,102 |
| Assets per employee ($millions) | 4.1682% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 3,980 |
| Loan loss allowance to noncurrent loans | 98.3240% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 2,294 |
| Noncurrent loans to loans | 0.9416% | 1,726 |
| Net loans and leases to total assets | 60.2466% | 3,709 |
| Net loans and leases to deposits | 70.0084% | 3,843 |
| Net loans and leases to core deposits | 82.3578% | 3,245 |
| Total domestic deposits to total assets | 86.0563% | 2,005 |
| Equity capital to assets | 10.4362% | 3,578 |
| Core capital (leverage) ratio | 10.6536% | 2,934 |
| Tier 1 risk-based capital ratio | 13.2177% | 3,728 |
| Total risk-based capital ratio | 13.9336% | 3,923 |
| Memoranda: | ||
| Average total assets | $62,221,330 | 4,654 |
| Average earning assets | $56,892,000 | 4,671 |
| Average equity | $6,070,330 | 4,843 |
| Average total loans | $34,473,000 | 4,643 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9844% | 1,365 |
| Cost of funding earning assets | 0.7930% | 2,578 |
| Net interest margin | 4.1914% | 1,321 |
| Noninterest income to average assets | 0.5478% | 2,296 |
| Noninterest expense to average assets | 2.8226% | 2,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2115% | 2,012 |
| Return on assets (ROA) | 1.2115% | 2,062 |
| Pretax return on assets | 1.5402% | 1,640 |
| Return on Equity (ROE) | 12.8701% | 1,263 |
| Retained earnings to average equity (ytd only) | 12.8701% | 480 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6972% | 3,133 |
| Assets per employee ($millions) | 4.0015% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 3,359 |
| Loan loss allowance to noncurrent loans | 157.1429% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 3,098 |
| Noncurrent loans to loans | 0.6745% | 2,328 |
| Net loans and leases to total assets | 54.7457% | 4,153 |
| Net loans and leases to deposits | 61.2785% | 4,346 |
| Net loans and leases to core deposits | 71.7185% | 3,967 |
| Total domestic deposits to total assets | 89.3391% | 716 |
| Equity capital to assets | 10.1961% | 3,624 |
| Core capital (leverage) ratio | 10.4061% | 3,154 |
| Tier 1 risk-based capital ratio | 13.6287% | 3,537 |
| Total risk-based capital ratio | 14.3891% | 3,716 |
| Memoranda: | ||
| Average total assets | $62,070,500 | 4,705 |
| Average earning assets | $56,496,500 | 4,731 |
| Average equity | $5,843,000 | 4,913 |
| Average total loans | $32,699,500 | 4,736 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 1,669 |
| Cost of funding earning assets | 0.6303% | 2,521 |
| Net interest margin | 4.1232% | 1,607 |
| Noninterest income to average assets | 0.5815% | 2,395 |
| Noninterest expense to average assets | 2.7367% | 2,908 |
| Loan and lease loss provision to assets | 0.0399% | 3,393 |
| Net operating income to assets | 1.2493% | 1,975 |
| Return on assets (ROA) | 1.2493% | 1,970 |
| Pretax return on assets | 1.5673% | 1,558 |
| Return on Equity (ROE) | 13.6737% | 1,138 |
| Retained earnings to average equity (ytd only) | 3.7594% | 3,501 |
| Net charge-offs to loans | -0.0442% | 4,938 |
| Credit loss provision to net charge-offs | -166.6667% | 4,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0011% | 3,344 |
| Assets per employee ($millions) | 4.5799% | 3,048 |
| Cash dividends to net income (ytd only)* | 72.5064% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 3,144 |
| Loan loss allowance to noncurrent loans | 395.5056% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 4,126 |
| Noncurrent loans to loans | 0.2765% | 3,576 |
| Net loans and leases to total assets | 49.6506% | 4,542 |
| Net loans and leases to deposits | 54.5596% | 4,727 |
| Net loans and leases to core deposits | 64.1227% | 4,446 |
| Total domestic deposits to total assets | 91.0025% | 208 |
| Equity capital to assets | 8.6809% | 4,816 |
| Core capital (leverage) ratio | 10.0623% | 3,506 |
| Tier 1 risk-based capital ratio | 13.7100% | 3,436 |
| Total risk-based capital ratio | 14.4985% | 3,581 |
| Memoranda: | ||
| Average total assets | $62,593,000 | 4,708 |
| Average earning assets | $57,115,200 | 4,728 |
| Average equity | $5,719,000 | 4,941 |
| Average total loans | $33,972,800 | 4,718 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 1,526 |
| Cost of funding earning assets | 0.6046% | 2,442 |
| Net interest margin | 4.1529% | 1,489 |
| Noninterest income to average assets | 0.5936% | 2,343 |
| Noninterest expense to average assets | 2.5632% | 3,403 |
| Loan and lease loss provision to assets | 0.0321% | 3,378 |
| Net operating income to assets | 1.4488% | 1,329 |
| Return on assets (ROA) | 1.4488% | 1,332 |
| Pretax return on assets | 1.8110% | 992 |
| Return on Equity (ROE) | 15.6552% | 756 |
| Retained earnings to average equity (ytd only) | 15.6552% | 154 |
| Net charge-offs to loans | -0.0581% | 4,988 |
| Credit loss provision to net charge-offs | -100.0000% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1712% | 4,091 |
| Assets per employee ($millions) | 4.4176% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 4,210 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 4,842 |
| Noncurrent loans to loans | 0.0481% | 4,680 |
| Net loans and leases to total assets | 59.9237% | 3,850 |
| Net loans and leases to deposits | 68.5110% | 4,020 |
| Net loans and leases to core deposits | 83.5008% | 3,197 |
| Total domestic deposits to total assets | 87.4658% | 1,505 |
| Equity capital to assets | 9.4524% | 4,124 |
| Core capital (leverage) ratio | 10.5772% | 2,999 |
| Tier 1 risk-based capital ratio | 13.6450% | 3,551 |
| Total risk-based capital ratio | 14.3541% | 3,754 |
| Memoranda: | ||
| Average total assets | $62,211,750 | 4,769 |
| Average earning assets | $57,115,250 | 4,777 |
| Average equity | $5,757,250 | 4,990 |
| Average total loans | $34,419,250 | 4,754 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 1,662 |
| Cost of funding earning assets | 0.5337% | 2,739 |
| Net interest margin | 4.1088% | 1,529 |
| Noninterest income to average assets | 0.5968% | 2,336 |
| Noninterest expense to average assets | 2.4257% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5626% | 1,003 |
| Return on assets (ROA) | 1.5626% | 1,012 |
| Pretax return on assets | 1.9508% | 685 |
| Return on Equity (ROE) | 17.0052% | 524 |
| Retained earnings to average equity (ytd only) | 17.0052% | 125 |
| Net charge-offs to loans | -0.0838% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4252% | 4,544 |
| Assets per employee ($millions) | 4.1307% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 4,463 |
| Loan loss allowance to noncurrent loans | 1,917.6471% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 4,889 |
| Noncurrent loans to loans | 0.0454% | 4,715 |
| Net loans and leases to total assets | 59.8612% | 3,826 |
| Net loans and leases to deposits | 69.5624% | 3,896 |
| Net loans and leases to core deposits | 86.0377% | 2,922 |
| Total domestic deposits to total assets | 86.0539% | 2,252 |
| Equity capital to assets | 9.3464% | 4,247 |
| Core capital (leverage) ratio | 10.6847% | 2,827 |
| Tier 1 risk-based capital ratio | 13.4263% | 3,658 |
| Total risk-based capital ratio | 14.1111% | 3,889 |
| Memoranda: | ||
| Average total assets | $62,333,330 | 4,821 |
| Average earning assets | $57,340,670 | 4,829 |
| Average equity | $5,727,670 | 5,044 |
| Average total loans | $33,424,670 | 4,826 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 1,866 |
| Cost of funding earning assets | 0.5215% | 2,614 |
| Net interest margin | 3.9777% | 1,794 |
| Noninterest income to average assets | 0.6078% | 2,221 |
| Noninterest expense to average assets | 2.4568% | 3,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4459% | 1,206 |
| Return on assets (ROA) | 1.4459% | 1,213 |
| Pretax return on assets | 1.8106% | 890 |
| Return on Equity (ROE) | 15.8708% | 646 |
| Retained earnings to average equity (ytd only) | 15.8708% | 256 |
| Net charge-offs to loans | -0.0127% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5712% | 4,404 |
| Assets per employee ($millions) | 3.8119% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 4,037 |
| Loan loss allowance to noncurrent loans | 130.4167% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.7263% | 2,138 |
| Noncurrent loans to loans | 0.7565% | 2,309 |
| Net loans and leases to total assets | 51.5052% | 4,468 |
| Net loans and leases to deposits | 56.9995% | 4,645 |
| Net loans and leases to core deposits | 69.3275% | 4,121 |
| Total domestic deposits to total assets | 90.3607% | 514 |
| Equity capital to assets | 9.2638% | 4,305 |
| Core capital (leverage) ratio | 9.8749% | 3,684 |
| Tier 1 risk-based capital ratio | 13.2064% | 3,845 |
| Total risk-based capital ratio | 13.8805% | 4,061 |
| Memoranda: | ||
| Average total assets | $62,520,000 | 4,881 |
| Average earning assets | $57,521,000 | 4,885 |
| Average equity | $5,696,000 | 5,101 |
| Average total loans | $31,429,000 | 4,938 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 1,850 |
| Cost of funding earning assets | 0.4791% | 2,514 |
| Net interest margin | 3.9797% | 1,812 |
| Noninterest income to average assets | 0.5055% | 2,966 |
| Noninterest expense to average assets | 2.7383% | 3,003 |
| Loan and lease loss provision to assets | 0.0402% | 3,462 |
| Net operating income to assets | 0.9017% | 2,701 |
| Return on assets (ROA) | 0.9321% | 2,572 |
| Pretax return on assets | 1.4376% | 1,862 |
| Return on Equity (ROE) | 10.0843% | 1,850 |
| Retained earnings to average equity (ytd only) | 3.2221% | 3,372 |
| Net charge-offs to loans | 0.1696% | 1,454 |
| Credit loss provision to net charge-offs | 43.8596% | 3,405 |
| Earnings coverage of net charge-offs (x) | 15.5965% | 2,234 |
| Efficiency ratio | 65.6757% | 3,319 |
| Assets per employee ($millions) | 4.2700% | 3,540 |
| Cash dividends to net income (ytd only)* | 68.0484% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3169% | 3,607 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 48.1187% | 4,758 |
| Net loans and leases to deposits | 53.0154% | 4,932 |
| Net loans and leases to core deposits | 64.0842% | 4,528 |
| Total domestic deposits to total assets | 90.7635% | 313 |
| Equity capital to assets | 8.9649% | 4,756 |
| Core capital (leverage) ratio | 9.3290% | 4,249 |
| Tier 1 risk-based capital ratio | 13.3516% | 3,716 |
| Total risk-based capital ratio | 14.0570% | 3,927 |
| Memoranda: | ||
| Average total assets | $62,118,400 | 4,923 |
| Average earning assets | $57,190,400 | 4,929 |
| Average equity | $5,741,600 | 5,141 |
| Average total loans | $33,612,400 | 4,906 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 1,577 |
| Cost of funding earning assets | 0.4577% | 2,637 |
| Net interest margin | 4.0654% | 1,497 |
| Noninterest income to average assets | 0.4975% | 3,036 |
| Noninterest expense to average assets | 2.6672% | 3,177 |
| Loan and lease loss provision to assets | 0.0541% | 3,012 |
| Net operating income to assets | 1.0362% | 2,389 |
| Return on assets (ROA) | 1.0362% | 2,424 |
| Pretax return on assets | 1.5229% | 1,696 |
| Return on Equity (ROE) | 11.1234% | 1,650 |
| Retained earnings to average equity (ytd only) | 11.1234% | 401 |
| Net charge-offs to loans | 0.2220% | 978 |
| Credit loss provision to net charge-offs | 43.8596% | 2,975 |
| Earnings coverage of net charge-offs (x) | 12.7892% | 2,401 |
| Efficiency ratio | 62.8440% | 3,744 |
| Assets per employee ($millions) | 4.5534% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8465% | 4,771 |
| Loan loss allowance to noncurrent loans | 153.6946% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 3,786 |
| Noncurrent loans to loans | 0.5508% | 3,046 |
| Net loans and leases to total assets | 57.3282% | 4,124 |
| Net loans and leases to deposits | 67.2401% | 4,166 |
| Net loans and leases to core deposits | 82.4571% | 3,248 |
| Total domestic deposits to total assets | 85.2589% | 2,615 |
| Equity capital to assets | 9.5236% | 4,423 |
| Core capital (leverage) ratio | 9.8059% | 3,812 |
| Tier 1 risk-based capital ratio | 13.1619% | 3,900 |
| Total risk-based capital ratio | 13.8272% | 4,177 |
| Memoranda: | ||
| Average total assets | $61,635,500 | 4,984 |
| Average earning assets | $56,803,250 | 4,989 |
| Average equity | $5,741,500 | 5,198 |
| Average total loans | $34,232,500 | 4,943 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 1,625 |
| Cost of funding earning assets | 0.4335% | 2,769 |
| Net interest margin | 4.0263% | 1,528 |
| Noninterest income to average assets | 0.5088% | 2,966 |
| Noninterest expense to average assets | 2.6948% | 3,106 |
| Loan and lease loss provision to assets | 0.0492% | 3,004 |
| Net operating income to assets | 1.0110% | 2,376 |
| Return on assets (ROA) | 1.0110% | 2,414 |
| Pretax return on assets | 1.4836% | 1,705 |
| Return on Equity (ROE) | 10.9381% | 1,667 |
| Retained earnings to average equity (ytd only) | 10.9381% | 448 |
| Net charge-offs to loans | 0.3537% | 568 |
| Credit loss provision to net charge-offs | 25.4237% | 2,751 |
| Earnings coverage of net charge-offs (x) | 7.9153% | 2,561 |
| Efficiency ratio | 63.7422% | 3,715 |
| Assets per employee ($millions) | 4.1138% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 4,862 |
| 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 | 57.8265% | 4,058 |
| Net loans and leases to deposits | 65.3260% | 4,273 |
| Net loans and leases to core deposits | 81.0314% | 3,344 |
| Total domestic deposits to total assets | 88.5199% | 1,193 |
| Equity capital to assets | 9.5111% | 4,391 |
| Core capital (leverage) ratio | 9.3687% | 4,270 |
| Tier 1 risk-based capital ratio | 11.0098% | 5,245 |
| Total risk-based capital ratio | 11.5856% | 5,455 |
| Memoranda: | ||
| Average total assets | $60,931,670 | 5,040 |
| Average earning assets | $56,279,670 | 5,041 |
| Average equity | $5,631,670 | 5,247 |
| Average total loans | $33,357,670 | 4,997 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4561% | 1,482 |
| Cost of funding earning assets | 0.4220% | 2,796 |
| Net interest margin | 4.0341% | 1,385 |
| Noninterest income to average assets | 0.5219% | 2,826 |
| Noninterest expense to average assets | 2.7220% | 3,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0373% | 2,134 |
| Return on assets (ROA) | 1.0373% | 2,184 |
| Pretax return on assets | 1.5262% | 1,455 |
| Return on Equity (ROE) | 11.3913% | 1,438 |
| Retained earnings to average equity (ytd only) | 11.3913% | 547 |
| Net charge-offs to loans | 0.1373% | 1,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,465 |
| Efficiency ratio | 64.0747% | 3,821 |
| Assets per employee ($millions) | 3.9583% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 4,101 |
| Loan loss allowance to noncurrent loans | 812.1951% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 4,996 |
| Noncurrent loans to loans | 0.1268% | 4,677 |
| Net loans and leases to total assets | 53.9159% | 4,340 |
| Net loans and leases to deposits | 59.7875% | 4,576 |
| Net loans and leases to core deposits | 70.7964% | 4,087 |
| Total domestic deposits to total assets | 90.1792% | 583 |
| Equity capital to assets | 9.4469% | 4,344 |
| Core capital (leverage) ratio | 8.8397% | 4,918 |
| Tier 1 risk-based capital ratio | 12.2033% | 4,577 |
| Total risk-based capital ratio | 12.9604% | 4,803 |
| Memoranda: | ||
| Average total assets | $60,544,000 | 5,105 |
| Average earning assets | $55,923,000 | 5,104 |
| Average equity | $5,513,000 | 5,321 |
| Average total loans | $32,045,000 | 5,091 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3676% | 1,919 |
| Cost of funding earning assets | 0.4080% | 2,928 |
| Net interest margin | 3.9595% | 1,755 |
| Noninterest income to average assets | 0.5260% | 3,049 |
| Noninterest expense to average assets | 2.8179% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9397% | 2,637 |
| Return on assets (ROA) | 0.9793% | 2,548 |
| Pretax return on assets | 1.4259% | 1,833 |
| Return on Equity (ROE) | 10.0650% | 1,930 |
| Retained earnings to average equity (ytd only) | 3.5462% | 3,405 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3131% | 3,382 |
| Assets per employee ($millions) | 3.8571% | 4,215 |
| Cash dividends to net income (ytd only)* | 64.7668% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 3,805 |
| Loan loss allowance to noncurrent loans | 603.5088% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 4,959 |
| Noncurrent loans to loans | 0.1796% | 4,516 |
| Net loans and leases to total assets | 50.8815% | 4,699 |
| Net loans and leases to deposits | 55.9593% | 4,914 |
| Net loans and leases to core deposits | 64.2686% | 4,618 |
| Total domestic deposits to total assets | 90.9259% | 305 |
| Equity capital to assets | 8.7776% | 5,041 |
| Core capital (leverage) ratio | 9.3380% | 4,304 |
| Tier 1 risk-based capital ratio | 12.2996% | 4,505 |
| Total risk-based capital ratio | 13.0428% | 4,763 |
| Memoranda: | ||
| Average total assets | $59,121,000 | 5,161 |
| Average earning assets | $54,652,800 | 5,157 |
| Average equity | $5,752,600 | 5,325 |
| Average total loans | $31,819,800 | 5,139 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3863% | 1,901 |
| Cost of funding earning assets | 0.4024% | 2,998 |
| Net interest margin | 3.9840% | 1,701 |
| Noninterest income to average assets | 0.5404% | 2,976 |
| Noninterest expense to average assets | 2.7408% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0053% | 2,409 |
| Return on assets (ROA) | 1.0580% | 2,285 |
| Pretax return on assets | 1.5574% | 1,512 |
| Return on Equity (ROE) | 10.5997% | 1,826 |
| Retained earnings to average equity (ytd only) | 10.5997% | 474 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9379% | 3,774 |
| Assets per employee ($millions) | 3.7853% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 4,435 |
| Loan loss allowance to noncurrent loans | 563.9344% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 5,029 |
| Noncurrent loans to loans | 0.1767% | 4,643 |
| Net loans and leases to total assets | 56.4279% | 4,264 |
| Net loans and leases to deposits | 67.1256% | 4,231 |
| Net loans and leases to core deposits | 78.2663% | 3,640 |
| Total domestic deposits to total assets | 84.0631% | 3,199 |
| Equity capital to assets | 10.2338% | 3,877 |
| Core capital (leverage) ratio | 10.3309% | 3,187 |
| Tier 1 risk-based capital ratio | 12.7052% | 4,339 |
| Total risk-based capital ratio | 13.4393% | 4,575 |
| Memoranda: | ||
| Average total assets | $58,472,750 | 5,220 |
| Average earning assets | $54,014,750 | 5,215 |
| Average equity | $5,836,500 | 5,363 |
| Average total loans | $31,838,500 | 5,189 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 2,024 |
| Cost of funding earning assets | 0.4002% | 3,045 |
| Net interest margin | 3.9380% | 1,847 |
| Noninterest income to average assets | 0.5400% | 2,953 |
| Noninterest expense to average assets | 2.7451% | 3,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9787% | 2,475 |
| Return on assets (ROA) | 1.0281% | 2,397 |
| Pretax return on assets | 1.5127% | 1,632 |
| Return on Equity (ROE) | 10.3919% | 1,891 |
| Retained earnings to average equity (ytd only) | 10.3919% | 527 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5914% | 3,748 |
| Assets per employee ($millions) | 3.5605% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 4,138 |
| Loan loss allowance to noncurrent loans | 2,023.5294% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 5,466 |
| Noncurrent loans to loans | 0.0526% | 5,249 |
| Net loans and leases to total assets | 56.0894% | 4,299 |
| Net loans and leases to deposits | 63.0846% | 4,562 |
| Net loans and leases to core deposits | 73.1826% | 4,060 |
| Total domestic deposits to total assets | 88.9113% | 956 |
| Equity capital to assets | 10.5708% | 3,559 |
| Core capital (leverage) ratio | 10.0177% | 3,547 |
| Tier 1 risk-based capital ratio | 13.4335% | 3,945 |
| Total risk-based capital ratio | 14.2323% | 4,122 |
| Memoranda: | ||
| Average total assets | $57,775,670 | 5,296 |
| Average earning assets | $53,479,000 | 5,279 |
| Average equity | $5,716,000 | 5,441 |
| Average total loans | $30,945,000 | 5,269 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 2,117 |
| Cost of funding earning assets | 0.3947% | 3,143 |
| Net interest margin | 3.9102% | 1,905 |
| Noninterest income to average assets | 0.5706% | 2,672 |
| Noninterest expense to average assets | 2.7226% | 3,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9931% | 2,315 |
| Return on assets (ROA) | 1.0725% | 2,120 |
| Pretax return on assets | 1.5744% | 1,362 |
| Return on Equity (ROE) | 11.2170% | 1,527 |
| Retained earnings to average equity (ytd only) | 11.2170% | 614 |
| Net charge-offs to loans | -0.1057% | 5,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1316% | 3,953 |
| Assets per employee ($millions) | 3.6402% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 3,472 |
| Loan loss allowance to noncurrent loans | 733.3333% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 5,255 |
| Noncurrent loans to loans | 0.1638% | 4,840 |
| Net loans and leases to total assets | 49.7176% | 4,834 |
| Net loans and leases to deposits | 55.4966% | 5,014 |
| Net loans and leases to core deposits | 63.0240% | 4,750 |
| Total domestic deposits to total assets | 89.5867% | 791 |
| Equity capital to assets | 9.9102% | 4,197 |
| Core capital (leverage) ratio | 9.8031% | 3,772 |
| Tier 1 risk-based capital ratio | 12.9389% | 4,303 |
| Total risk-based capital ratio | 13.7458% | 4,488 |
| Memoranda: | ||
| Average total assets | $58,179,500 | 5,334 |
| Average earning assets | $53,705,500 | 5,324 |
| Average equity | $5,563,000 | 5,498 |
| Average total loans | $30,269,000 | 5,330 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3450% | 2,076 |
| Cost of funding earning assets | 0.3999% | 3,163 |
| Net interest margin | 3.9450% | 1,892 |
| Noninterest income to average assets | 0.5744% | 2,865 |
| Noninterest expense to average assets | 2.8868% | 2,898 |
| Loan and lease loss provision to assets | 0.0221% | 3,943 |
| Net operating income to assets | 0.8929% | 2,912 |
| Return on assets (ROA) | 0.9058% | 2,922 |
| Pretax return on assets | 1.2980% | 2,293 |
| Return on Equity (ROE) | 9.0441% | 2,434 |
| Retained earnings to average equity (ytd only) | 3.4007% | 3,632 |
| Net charge-offs to loans | 0.0501% | 3,203 |
| Credit loss provision to net charge-offs | 85.7143% | 2,838 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 995 |
| Efficiency ratio | 68.9231% | 3,417 |
| Assets per employee ($millions) | 4.1511% | 3,660 |
| Cash dividends to net income (ytd only)* | 62.3984% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 4,042 |
| Loan loss allowance to noncurrent loans | 747.8261% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 5,312 |
| Noncurrent loans to loans | 0.1473% | 4,905 |
| Net loans and leases to total assets | 53.1437% | 4,582 |
| Net loans and leases to deposits | 58.7704% | 4,861 |
| Net loans and leases to core deposits | 66.5052% | 4,548 |
| Total domestic deposits to total assets | 90.4260% | 461 |
| Equity capital to assets | 9.2126% | 4,886 |
| Core capital (leverage) ratio | 9.8792% | 3,671 |
| Tier 1 risk-based capital ratio | 12.7116% | 4,500 |
| Total risk-based capital ratio | 13.5083% | 4,686 |
| Memoranda: | ||
| Average total assets | $54,316,000 | 5,450 |
| Average earning assets | $49,758,600 | 5,442 |
| Average equity | $5,440,000 | 5,553 |
| Average total loans | $27,916,800 | 5,444 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3221% | 2,163 |
| Cost of funding earning assets | 0.4038% | 3,188 |
| Net interest margin | 3.9182% | 1,971 |
| Noninterest income to average assets | 0.5871% | 2,815 |
| Noninterest expense to average assets | 2.9106% | 2,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9064% | 2,935 |
| Return on assets (ROA) | 0.9244% | 2,923 |
| Pretax return on assets | 1.2892% | 2,432 |
| Return on Equity (ROE) | 9.0327% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.3735% | 1,099 |
| Net charge-offs to loans | 0.0886% | 2,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 28.1104% | 1,554 |
| Efficiency ratio | 69.7187% | 3,254 |
| Assets per employee ($millions) | 3.9091% | 4,064 |
| Cash dividends to net income (ytd only)* | 7.2975% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 4,133 |
| Loan loss allowance to noncurrent loans | 504.6154% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 5,274 |
| Noncurrent loans to loans | 0.2212% | 4,773 |
| Net loans and leases to total assets | 53.0825% | 4,656 |
| Net loans and leases to deposits | 60.3306% | 4,832 |
| Net loans and leases to core deposits | 68.6899% | 4,481 |
| Total domestic deposits to total assets | 87.9860% | 1,565 |
| Equity capital to assets | 10.3530% | 3,754 |
| Core capital (leverage) ratio | 10.5731% | 2,957 |
| Tier 1 risk-based capital ratio | 14.7211% | 3,429 |
| Total risk-based capital ratio | 15.5748% | 3,582 |
| Memoranda: | ||
| Average total assets | $53,366,000 | 5,548 |
| Average earning assets | $48,864,500 | 5,533 |
| Average equity | $5,461,500 | 5,621 |
| Average total loans | $27,088,750 | 5,540 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2724% | 2,274 |
| Cost of funding earning assets | 0.3985% | 3,292 |
| Net interest margin | 3.8739% | 2,063 |
| Noninterest income to average assets | 0.5897% | 2,798 |
| Noninterest expense to average assets | 2.9294% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8837% | 2,971 |
| Return on assets (ROA) | 0.9109% | 2,943 |
| Pretax return on assets | 1.2625% | 2,498 |
| Return on Equity (ROE) | 8.9370% | 2,585 |
| Retained earnings to average equity (ytd only) | 7.9357% | 1,294 |
| Net charge-offs to loans | 0.0988% | 2,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 24.9231% | 1,543 |
| Efficiency ratio | 70.5187% | 3,259 |
| Assets per employee ($millions) | 3.4430% | 4,907 |
| Cash dividends to net income (ytd only)* | 11.2033% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 3,617 |
| Loan loss allowance to noncurrent loans | 475.7143% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 5,316 |
| Noncurrent loans to loans | 0.2588% | 4,752 |
| Net loans and leases to total assets | 51.7301% | 4,779 |
| Net loans and leases to deposits | 57.9560% | 4,996 |
| Net loans and leases to core deposits | 67.6594% | 4,515 |
| Total domestic deposits to total assets | 89.2574% | 1,020 |
| Equity capital to assets | 10.4676% | 3,477 |
| Core capital (leverage) ratio | 10.6129% | 2,839 |
| Tier 1 risk-based capital ratio | 13.9440% | 3,967 |
| Total risk-based capital ratio | 14.7842% | 4,132 |
| Memoranda: | ||
| Average total assets | $52,912,000 | 5,615 |
| Average earning assets | $48,684,330 | 5,591 |
| Average equity | $5,393,330 | 5,684 |
| Average total loans | $26,325,330 | 5,623 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 2,334 |
| Cost of funding earning assets | 0.3893% | 3,422 |
| Net interest margin | 3.8446% | 2,090 |
| Noninterest income to average assets | 0.5677% | 2,851 |
| Noninterest expense to average assets | 2.9358% | 2,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8426% | 3,047 |
| Return on assets (ROA) | 0.8964% | 2,887 |
| Pretax return on assets | 1.2475% | 2,483 |
| Return on Equity (ROE) | 8.9103% | 2,489 |
| Retained earnings to average equity (ytd only) | 8.9103% | 1,229 |
| Net charge-offs to loans | 0.0770% | 1,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 31.4000% | 1,124 |
| Efficiency ratio | 71.4545% | 3,259 |
| Assets per employee ($millions) | 3.7747% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 3,441 |
| Loan loss allowance to noncurrent loans | 643.3962% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 5,551 |
| Noncurrent loans to loans | 0.2009% | 5,056 |
| Net loans and leases to total assets | 49.2809% | 4,915 |
| Net loans and leases to deposits | 55.2965% | 5,100 |
| Net loans and leases to core deposits | 63.1453% | 4,770 |
| Total domestic deposits to total assets | 89.1212% | 1,187 |
| Equity capital to assets | 10.4549% | 3,579 |
| Core capital (leverage) ratio | 10.0496% | 3,534 |
| Tier 1 risk-based capital ratio | 13.8852% | 4,096 |
| Total risk-based capital ratio | 14.7567% | 4,234 |
| Memoranda: | ||
| Average total assets | $53,545,500 | 5,650 |
| Average earning assets | $49,316,000 | 5,628 |
| Average equity | $5,387,000 | 5,738 |
| Average total loans | $25,963,500 | 5,678 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 3,108 |
| Cost of funding earning assets | 0.4243% | 3,440 |
| Net interest margin | 3.7299% | 2,879 |
| Noninterest income to average assets | 0.6184% | 2,749 |
| Noninterest expense to average assets | 3.0748% | 2,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6455% | 4,167 |
| Return on assets (ROA) | 0.6506% | 4,244 |
| Pretax return on assets | 0.9693% | 3,614 |
| Return on Equity (ROE) | 6.9237% | 3,679 |
| Retained earnings to average equity (ytd only) | 1.6754% | 4,974 |
| Net charge-offs to loans | 0.0648% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 31.6875% | 1,281 |
| Efficiency ratio | 76.1748% | 2,481 |
| Assets per employee ($millions) | 4.1727% | 3,589 |
| Cash dividends to net income (ytd only)* | 75.8017% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 3,153 |
| Loan loss allowance to noncurrent loans | 380.2198% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 5,351 |
| Noncurrent loans to loans | 0.3563% | 4,585 |
| Net loans and leases to total assets | 46.4504% | 5,291 |
| Net loans and leases to deposits | 51.6830% | 5,503 |
| Net loans and leases to core deposits | 59.4227% | 5,180 |
| Total domestic deposits to total assets | 89.8756% | 786 |
| Equity capital to assets | 9.6765% | 4,498 |
| Core capital (leverage) ratio | 9.7565% | 3,893 |
| Tier 1 risk-based capital ratio | 14.2667% | 3,922 |
| Total risk-based capital ratio | 15.2064% | 4,052 |
| Memoranda: | ||
| Average total assets | $52,718,400 | 5,727 |
| Average earning assets | $48,311,800 | 5,714 |
| Average equity | $4,954,000 | 5,863 |
| Average total loans | $24,684,000 | 5,792 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 3,106 |
| Cost of funding earning assets | 0.4332% | 3,433 |
| Net interest margin | 3.7320% | 2,890 |
| Noninterest income to average assets | 0.6343% | 2,654 |
| Noninterest expense to average assets | 3.0545% | 2,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6624% | 4,147 |
| Return on assets (ROA) | 0.6624% | 4,248 |
| Pretax return on assets | 1.0037% | 3,576 |
| Return on Equity (ROE) | 7.1033% | 3,658 |
| Retained earnings to average equity (ytd only) | 7.1033% | 1,766 |
| Net charge-offs to loans | 0.0708% | 3,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 30.3128% | 1,362 |
| Efficiency ratio | 75.2668% | 2,624 |
| Assets per employee ($millions) | 4.4958% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 3,703 |
| Loan loss allowance to noncurrent loans | 671.1538% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 5,774 |
| Noncurrent loans to loans | 0.1920% | 5,331 |
| Net loans and leases to total assets | 49.5598% | 5,050 |
| Net loans and leases to deposits | 56.0078% | 5,237 |
| Net loans and leases to core deposits | 64.5899% | 4,834 |
| Total domestic deposits to total assets | 88.4873% | 1,509 |
| Equity capital to assets | 9.7703% | 4,457 |
| Core capital (leverage) ratio | 10.0867% | 3,546 |
| Tier 1 risk-based capital ratio | 15.1911% | 3,480 |
| Total risk-based capital ratio | 16.1821% | 3,559 |
| Memoranda: | ||
| Average total assets | $52,336,750 | 5,797 |
| Average earning assets | $48,015,500 | 5,788 |
| Average equity | $4,880,250 | 5,946 |
| Average total loans | $24,469,250 | 5,863 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 3,343 |
| Cost of funding earning assets | 0.4387% | 3,452 |
| Net interest margin | 3.6611% | 3,105 |
| Noninterest income to average assets | 0.6873% | 2,345 |
| Noninterest expense to average assets | 3.1197% | 2,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6062% | 4,329 |
| Return on assets (ROA) | 0.6062% | 4,427 |
| Pretax return on assets | 0.9189% | 3,814 |
| Return on Equity (ROE) | 6.6105% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.6105% | 1,978 |
| Net charge-offs to loans | 0.0932% | 2,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 21.6364% | 1,533 |
| Efficiency ratio | 77.2467% | 2,417 |
| Assets per employee ($millions) | 3.9751% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 3,495 |
| Loan loss allowance to noncurrent loans | 763.0435% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 5,893 |
| Noncurrent loans to loans | 0.1793% | 5,471 |
| Net loans and leases to total assets | 48.9686% | 5,083 |
| Net loans and leases to deposits | 56.7377% | 5,139 |
| Net loans and leases to core deposits | 63.7984% | 4,834 |
| Total domestic deposits to total assets | 86.3070% | 2,875 |
| Equity capital to assets | 10.0453% | 4,044 |
| Core capital (leverage) ratio | 10.3149% | 3,193 |
| Tier 1 risk-based capital ratio | 14.0645% | 4,223 |
| Total risk-based capital ratio | 15.0033% | 4,364 |
| Memoranda: | ||
| Average total assets | $51,799,330 | 5,861 |
| Average earning assets | $47,418,000 | 5,852 |
| Average equity | $4,750,000 | 6,026 |
| Average total loans | $23,597,000 | 5,946 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 3,539 |
| Cost of funding earning assets | 0.4418% | 3,519 |
| Net interest margin | 3.5937% | 3,270 |
| Noninterest income to average assets | 0.5013% | 3,399 |
| Noninterest expense to average assets | 3.1932% | 2,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3698% | 5,234 |
| Return on assets (ROA) | 0.3548% | 5,354 |
| Pretax return on assets | 0.5476% | 5,017 |
| Return on Equity (ROE) | 4.0623% | 5,000 |
| Retained earnings to average equity (ytd only) | 4.0623% | 3,677 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8361% | 1,573 |
| Assets per employee ($millions) | 3.9352% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6070% | 2,669 |
| Loan loss allowance to noncurrent loans | 509.8592% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 4,768 |
| Noncurrent loans to loans | 0.3152% | 5,160 |
| Net loans and leases to total assets | 43.3266% | 5,567 |
| Net loans and leases to deposits | 47.9005% | 5,734 |
| Net loans and leases to core deposits | 52.6560% | 5,580 |
| Total domestic deposits to total assets | 90.4512% | 829 |
| Equity capital to assets | 9.3006% | 4,759 |
| Core capital (leverage) ratio | 9.6847% | 4,019 |
| Tier 1 risk-based capital ratio | 14.0723% | 4,281 |
| Total risk-based capital ratio | 15.0948% | 4,388 |
| Memoranda: | ||
| Average total assets | $51,861,000 | 5,916 |
| Average earning assets | $47,083,000 | 5,919 |
| Average equity | $4,529,500 | 6,127 |
| Average total loans | $22,567,500 | 6,029 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8525% | 4,627 |
| Cost of funding earning assets | 0.4557% | 4,061 |
| Net interest margin | 3.3969% | 4,282 |
| Noninterest income to average assets | 0.5576% | 3,353 |
| Noninterest expense to average assets | 3.4147% | 1,851 |
| Loan and lease loss provision to assets | 0.0059% | 5,008 |
| Net operating income to assets | 0.1620% | 5,914 |
| Return on assets (ROA) | 0.2768% | 5,687 |
| Pretax return on assets | 0.4211% | 5,436 |
| Return on Equity (ROE) | 2.8352% | 5,567 |
| Retained earnings to average equity (ytd only) | -0.4050% | 5,952 |
| Net charge-offs to loans | 0.0812% | 4,078 |
| Credit loss provision to net charge-offs | 17.6471% | 4,487 |
| Earnings coverage of net charge-offs (x) | 7.5294% | 2,828 |
| Efficiency ratio | 93.0997% | 799 |
| Assets per employee ($millions) | 3.7546% | 4,361 |
| Cash dividends to net income (ytd only)* | 114.2857% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 2,754 |
| Loan loss allowance to noncurrent loans | 294.3089% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 4,606 |
| Noncurrent loans to loans | 0.5441% | 4,632 |
| Net loans and leases to total assets | 42.3217% | 5,806 |
| Net loans and leases to deposits | 46.2533% | 5,990 |
| Net loans and leases to core deposits | 51.0042% | 5,873 |
| Total domestic deposits to total assets | 91.4999% | 401 |
| Equity capital to assets | 8.1824% | 5,887 |
| Core capital (leverage) ratio | 9.3086% | 4,534 |
| Tier 1 risk-based capital ratio | 13.0627% | 4,934 |
| Total risk-based capital ratio | 14.0637% | 5,052 |
| Memoranda: | ||
| Average total assets | $50,576,000 | 6,005 |
| Average earning assets | $46,307,400 | 5,978 |
| Average equity | $4,938,000 | 6,077 |
| Average total loans | $20,945,600 | 6,152 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4072% | 2,572 |
| Cost of funding earning assets | 0.4511% | 4,262 |
| Net interest margin | 3.9561% | 2,092 |
| Noninterest income to average assets | 0.7412% | 2,413 |
| Noninterest expense to average assets | 3.8528% | 1,022 |
| Loan and lease loss provision to assets | 0.0200% | 4,600 |
| Net operating income to assets | 0.2953% | 5,634 |
| Return on assets (ROA) | 0.4340% | 5,243 |
| Pretax return on assets | 0.6477% | 4,860 |
| Return on Equity (ROE) | 3.7756% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.7756% | 3,995 |
| Net charge-offs to loans | 0.1001% | 3,547 |
| Credit loss provision to net charge-offs | 37.5000% | 3,757 |
| Earnings coverage of net charge-offs (x) | 8.6223% | 2,596 |
| Efficiency ratio | 89.3189% | 1,049 |
| Assets per employee ($millions) | 2.8429% | 6,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 4,684 |
| Loan loss allowance to noncurrent loans | 1,971.4286% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 6,370 |
| Noncurrent loans to loans | 0.0630% | 6,151 |
| Net loans and leases to total assets | 55.1055% | 4,443 |
| Net loans and leases to deposits | 62.2290% | 4,727 |
| Net loans and leases to core deposits | 71.6779% | 4,130 |
| Total domestic deposits to total assets | 88.5528% | 1,814 |
| Equity capital to assets | 11.0503% | 2,716 |
| Core capital (leverage) ratio | 11.6212% | 1,931 |
| Tier 1 risk-based capital ratio | 15.0898% | 3,690 |
| Total risk-based capital ratio | 16.0080% | 3,872 |
| Memoranda: | ||
| Average total assets | $19,967,500 | 6,774 |
| Average earning assets | $18,030,750 | 6,756 |
| Average equity | $2,295,250 | 6,729 |
| Average total loans | $10,661,500 | 6,634 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 3,005 |
| Cost of funding earning assets | 0.4518% | 4,411 |
| Net interest margin | 3.8351% | 2,424 |
| Noninterest income to average assets | 0.7404% | 2,459 |
| Noninterest expense to average assets | 3.7819% | 1,122 |
| Loan and lease loss provision to assets | 0.0300% | 4,331 |
| Net operating income to assets | 0.2773% | 5,679 |
| Return on assets (ROA) | 0.4202% | 5,294 |
| Pretax return on assets | 0.6203% | 4,948 |
| Return on Equity (ROE) | 3.6093% | 5,379 |
| Retained earnings to average equity (ytd only) | 3.6093% | 4,019 |
| Net charge-offs to loans | 0.1712% | 2,752 |
| Credit loss provision to net charge-offs | 33.3333% | 3,530 |
| Earnings coverage of net charge-offs (x) | 4.8889% | 3,010 |
| Efficiency ratio | 89.5735% | 1,079 |
| Assets per employee ($millions) | 2.7496% | 6,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 4,769 |
| Loan loss allowance to noncurrent loans | 1,957.1429% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 6,408 |
| Noncurrent loans to loans | 0.0635% | 6,198 |
| Net loans and leases to total assets | 56.5595% | 4,196 |
| Net loans and leases to deposits | 64.1674% | 4,478 |
| Net loans and leases to core deposits | 74.3376% | 3,758 |
| Total domestic deposits to total assets | 88.1436% | 2,143 |
| Equity capital to assets | 11.5135% | 2,281 |
| Core capital (leverage) ratio | 11.4737% | 1,952 |
| Tier 1 risk-based capital ratio | 16.3968% | 2,984 |
| Total risk-based capital ratio | 17.3872% | 3,065 |
| Memoranda: | ||
| Average total assets | $19,990,000 | 6,824 |
| Average earning assets | $18,148,000 | 6,802 |
| Average equity | $2,327,330 | 6,776 |
| Average total loans | $10,514,000 | 6,683 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0982% | 3,737 |
| Cost of funding earning assets | 0.4291% | 4,814 |
| Net interest margin | 3.6690% | 2,994 |
| Noninterest income to average assets | 0.7072% | 2,553 |
| Noninterest expense to average assets | 3.5361% | 1,548 |
| Loan and lease loss provision to assets | 0.0196% | 4,225 |
| Net operating income to assets | 0.3595% | 5,310 |
| Return on assets (ROA) | 0.3733% | 5,380 |
| Pretax return on assets | 0.5304% | 5,177 |
| Return on Equity (ROE) | 3.1893% | 5,495 |
| Retained earnings to average equity (ytd only) | 3.1893% | 4,342 |
| Net charge-offs to loans | 0.1170% | 2,727 |
| Credit loss provision to net charge-offs | 33.3333% | 2,834 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,895 |
| Efficiency ratio | 86.9565% | 1,417 |
| Assets per employee ($millions) | 2.7871% | 6,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 4,277 |
| Loan loss allowance to noncurrent loans | 1,175.0000% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 6,418 |
| Noncurrent loans to loans | 0.1185% | 6,118 |
| Net loans and leases to total assets | 51.1840% | 4,811 |
| Net loans and leases to deposits | 58.6102% | 4,958 |
| Net loans and leases to core deposits | 65.6197% | 4,578 |
| Total domestic deposits to total assets | 87.3296% | 2,735 |
| Equity capital to assets | 12.2860% | 1,846 |
| Core capital (leverage) ratio | 11.8834% | 1,631 |
| Tier 1 risk-based capital ratio | 17.2294% | 2,666 |
| Total risk-based capital ratio | 18.2734% | 2,714 |
| Memoranda: | ||
| Average total assets | $20,361,500 | 6,893 |
| Average earning assets | $18,642,500 | 6,871 |
| Average equity | $2,383,000 | 6,835 |
| Average total loans | $10,259,500 | 6,759 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 3,826 |
| Cost of funding earning assets | 0.4443% | 5,632 |
| Net interest margin | 3.9508% | 2,605 |
| Noninterest income to average assets | 0.7547% | 2,473 |
| Noninterest expense to average assets | 3.7896% | 1,270 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3563% | 5,269 |
| Return on assets (ROA) | 0.5103% | 4,909 |
| Pretax return on assets | 0.7710% | 4,405 |
| Return on Equity (ROE) | 3.9088% | 5,180 |
| Retained earnings to average equity (ytd only) | 0.8733% | 5,431 |
| Net charge-offs to loans | -0.0229% | 6,575 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5784% | 1,277 |
| Assets per employee ($millions) | 3.0304% | 5,968 |
| Cash dividends to net income (ytd only)* | 77.6596% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 4,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 48.3147% | 5,378 |
| Net loans and leases to deposits | 54.6847% | 5,589 |
| Net loans and leases to core deposits | 60.5590% | 5,311 |
| Total domestic deposits to total assets | 88.3515% | 1,995 |
| Equity capital to assets | 11.1677% | 2,770 |
| Core capital (leverage) ratio | 12.0841% | 1,521 |
| Tier 1 risk-based capital ratio | 15.8382% | 3,250 |
| Total risk-based capital ratio | 16.7021% | 3,420 |
| Memoranda: | ||
| Average total assets | $18,418,800 | 6,981 |
| Average earning assets | $16,655,000 | 6,964 |
| Average equity | $2,404,800 | 6,902 |
| Average total loans | $8,724,000 | 6,896 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 3,020 |
| Cost of funding earning assets | 0.4431% | 5,847 |
| Net interest margin | 4.2056% | 1,721 |
| Noninterest income to average assets | 0.7825% | 2,319 |
| Noninterest expense to average assets | 3.8449% | 1,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4840% | 4,905 |
| Return on assets (ROA) | 0.5041% | 5,091 |
| Pretax return on assets | 0.7524% | 4,669 |
| Return on Equity (ROE) | 3.7009% | 5,409 |
| Retained earnings to average equity (ytd only) | 3.7009% | 4,284 |
| Net charge-offs to loans | -0.0160% | 6,451 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1845% | 1,574 |
| Assets per employee ($millions) | 2.5901% | 6,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 3,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 48.2433% | 5,522 |
| Net loans and leases to deposits | 56.3269% | 5,606 |
| Net loans and leases to core deposits | 63.7862% | 5,175 |
| Total domestic deposits to total assets | 85.6489% | 3,440 |
| Equity capital to assets | 13.6672% | 1,281 |
| Core capital (leverage) ratio | 13.6669% | 955 |
| Tier 1 risk-based capital ratio | 18.8214% | 2,063 |
| Total risk-based capital ratio | 19.9074% | 2,084 |
| Memoranda: | ||
| Average total assets | $17,720,250 | 7,088 |
| Average earning assets | $15,946,750 | 7,072 |
| Average equity | $2,413,750 | 6,989 |
| Average total loans | $8,307,000 | 7,001 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 2,965 |
| Cost of funding earning assets | 0.4308% | 6,094 |
| Net interest margin | 4.2572% | 1,585 |
| Noninterest income to average assets | 0.7962% | 2,201 |
| Noninterest expense to average assets | 3.8787% | 1,105 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5118% | 4,763 |
| Return on assets (ROA) | 0.5118% | 5,029 |
| Pretax return on assets | 0.7393% | 4,708 |
| Return on Equity (ROE) | 3.7620% | 5,376 |
| Retained earnings to average equity (ytd only) | 3.7620% | 4,106 |
| Net charge-offs to loans | -0.0986% | 6,854 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9901% | 1,635 |
| Assets per employee ($millions) | 2.4180% | 6,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 3,676 |
| 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 | 53.3853% | 4,899 |
| Net loans and leases to deposits | 64.4784% | 4,699 |
| Net loans and leases to core deposits | 74.0716% | 4,023 |
| Total domestic deposits to total assets | 82.7957% | 4,826 |
| Equity capital to assets | 14.3330% | 963 |
| Core capital (leverage) ratio | 13.9385% | 822 |
| Tier 1 risk-based capital ratio | 20.3576% | 1,624 |
| Total risk-based capital ratio | 21.6049% | 1,592 |
| Memoranda: | ||
| Average total assets | $17,583,330 | 7,150 |
| Average earning assets | $15,785,000 | 7,136 |
| Average equity | $2,392,330 | 7,041 |
| Average total loans | $8,113,000 | 7,068 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 3,901 |
| Cost of funding earning assets | 0.4229% | 6,297 |
| Net interest margin | 4.0800% | 2,173 |
| Noninterest income to average assets | 0.8039% | 2,148 |
| Noninterest expense to average assets | 3.7963% | 1,216 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4466% | 5,052 |
| Return on assets (ROA) | 0.4466% | 5,244 |
| Pretax return on assets | 0.6699% | 4,886 |
| Return on Equity (ROE) | 3.3677% | 5,564 |
| Retained earnings to average equity (ytd only) | 3.3677% | 4,550 |
| Net charge-offs to loans | -0.1056% | 6,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0000% | 1,582 |
| Assets per employee ($millions) | 2.4091% | 6,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 2,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 44.6098% | 5,946 |
| Net loans and leases to deposits | 52.1815% | 5,954 |
| Net loans and leases to core deposits | 59.6874% | 5,561 |
| Total domestic deposits to total assets | 85.4898% | 3,799 |
| Equity capital to assets | 14.1129% | 981 |
| Core capital (leverage) ratio | 13.4810% | 961 |
| Tier 1 risk-based capital ratio | 22.9456% | 1,140 |
| Total risk-based capital ratio | 24.1862% | 1,125 |
| Memoranda: | ||
| Average total assets | $17,912,000 | 7,207 |
| Average earning assets | $16,078,500 | 7,190 |
| Average equity | $2,375,500 | 7,095 |
| Average total loans | $7,579,000 | 7,144 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 5,874 |
| Cost of funding earning assets | 0.5232% | 6,444 |
| Net interest margin | 3.7403% | 4,115 |
| Noninterest income to average assets | 0.8258% | 1,944 |
| Noninterest expense to average assets | 4.0201% | 1,013 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1198% | 5,819 |
| Return on assets (ROA) | 0.1304% | 5,919 |
| Pretax return on assets | 0.2010% | 5,787 |
| Return on Equity (ROE) | 1.0344% | 5,959 |
| Retained earnings to average equity (ytd only) | 0.1724% | 5,760 |
| Net charge-offs to loans | -0.1497% | 7,185 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6072% | 842 |
| Assets per employee ($millions) | 2.7086% | 6,600 |
| Cash dividends to net income (ytd only)* | 83.3333% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8820% | 2,625 |
| 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 | 38.7711% | 6,613 |
| Net loans and leases to deposits | 44.4572% | 6,701 |
| Net loans and leases to core deposits | 49.9253% | 6,534 |
| Total domestic deposits to total assets | 87.2099% | 2,639 |
| Equity capital to assets | 12.5053% | 1,797 |
| Core capital (leverage) ratio | 13.4176% | 1,001 |
| Tier 1 risk-based capital ratio | 20.0595% | 1,627 |
| Total risk-based capital ratio | 21.2935% | 1,604 |
| Memoranda: | ||
| Average total assets | $18,407,400 | 7,235 |
| Average earning assets | $16,629,600 | 7,221 |
| Average equity | $2,320,200 | 7,163 |
| Average total loans | $6,681,400 | 7,220 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 5,908 |
| Cost of funding earning assets | 0.5562% | 6,493 |
| Net interest margin | 3.7562% | 4,084 |
| Noninterest income to average assets | 0.8466% | 1,853 |
| Noninterest expense to average assets | 4.0796% | 918 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1343% | 5,877 |
| Return on assets (ROA) | 0.1460% | 5,968 |
| Pretax return on assets | 0.1825% | 5,927 |
| Return on Equity (ROE) | 1.1558% | 6,036 |
| Retained earnings to average equity (ytd only) | 1.1558% | 5,552 |
| Net charge-offs to loans | -0.1440% | 7,221 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0481% | 819 |
| Assets per employee ($millions) | 1.9212% | 7,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9731% | 2,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 39.6507% | 6,663 |
| Net loans and leases to deposits | 46.1652% | 6,734 |
| Net loans and leases to core deposits | 52.5686% | 6,538 |
| Total domestic deposits to total assets | 85.8886% | 3,274 |
| Equity capital to assets | 13.7702% | 1,258 |
| Core capital (leverage) ratio | 13.6318% | 1,002 |
| Tier 1 risk-based capital ratio | 21.6629% | 1,344 |
| Total risk-based capital ratio | 22.9096% | 1,315 |
| Memoranda: | ||
| Average total assets | $18,269,250 | 7,313 |
| Average earning assets | $16,541,000 | 7,295 |
| Average equity | $2,307,500 | 7,237 |
| Average total loans | $6,478,750 | 7,299 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2044% | 6,270 |
| Cost of funding earning assets | 0.5701% | 6,587 |
| Net interest margin | 3.6343% | 4,584 |
| Noninterest income to average assets | 0.8174% | 1,937 |
| Noninterest expense to average assets | 4.0548% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0358% | 6,157 |
| Return on assets (ROA) | 0.0430% | 6,216 |
| Pretax return on assets | 0.0645% | 6,161 |
| Return on Equity (ROE) | 0.3504% | 6,233 |
| Retained earnings to average equity (ytd only) | 0.3504% | 5,707 |
| Net charge-offs to loans | -0.1586% | 7,264 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6911% | 768 |
| Assets per employee ($millions) | 1.7344% | 7,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8645% | 2,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 41.2708% | 6,646 |
| Net loans and leases to deposits | 49.5021% | 6,635 |
| Net loans and leases to core deposits | 57.0449% | 6,346 |
| Total domestic deposits to total assets | 83.3718% | 4,598 |
| Equity capital to assets | 13.4110% | 1,334 |
| Core capital (leverage) ratio | 13.1872% | 1,091 |
| Tier 1 risk-based capital ratio | 23.9500% | 1,011 |
| Total risk-based capital ratio | 25.2006% | 995 |
| Memoranda: | ||
| Average total assets | $18,595,330 | 7,379 |
| Average earning assets | $16,839,670 | 7,358 |
| Average equity | $2,283,000 | 7,299 |
| Average total loans | $6,307,000 | 7,376 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1261% | 6,450 |
| Cost of funding earning assets | 0.5731% | 6,716 |
| Net interest margin | 3.5530% | 4,798 |
| Noninterest income to average assets | 0.7700% | 2,156 |
| Noninterest expense to average assets | 3.9956% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0416% | 6,403 |
| Return on assets (ROA) | -0.0416% | 6,421 |
| Pretax return on assets | 0.0000% | 6,352 |
| Return on Equity (ROE) | -0.3537% | 6,416 |
| Retained earnings to average equity (ytd only) | -0.3537% | 5,854 |
| Net charge-offs to loans | -0.2064% | 7,262 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 743 |
| Assets per employee ($millions) | 1.7629% | 7,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4333% | 1,559 |
| Loan loss allowance to noncurrent loans | 13,400.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 7,188 |
| Noncurrent loans to loans | 0.0182% | 7,021 |
| Net loans and leases to total assets | 30.4782% | 7,217 |
| Net loans and leases to deposits | 34.9896% | 7,247 |
| Net loans and leases to core deposits | 40.8593% | 7,140 |
| Total domestic deposits to total assets | 87.1065% | 2,888 |
| Equity capital to assets | 12.7460% | 1,502 |
| Core capital (leverage) ratio | 12.4959% | 1,325 |
| Tier 1 risk-based capital ratio | 27.6186% | 659 |
| Total risk-based capital ratio | 28.8707% | 639 |
| Memoranda: | ||
| Average total assets | $19,221,000 | 7,421 |
| Average earning assets | $17,450,000 | 7,398 |
| Average equity | $2,261,500 | 7,355 |
| Average total loans | $5,813,500 | 7,452 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 5,944 |
| Cost of funding earning assets | 0.7229% | 6,814 |
| Net interest margin | 3.9301% | 3,346 |
| Noninterest income to average assets | 0.9330% | 1,734 |
| Noninterest expense to average assets | 4.1749% | 924 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.2317% | 5,176 |
| Return on assets (ROA) | 0.2502% | 5,260 |
| Pretax return on assets | 0.3544% | 5,069 |
| Return on Equity (ROE) | 2.0497% | 5,364 |
| Retained earnings to average equity (ytd only) | 0.6832% | 5,223 |
| Net charge-offs to loans | -0.0324% | 7,407 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7083% | 1,133 |
| Assets per employee ($millions) | 2.3126% | 7,211 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1405% | 1,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 28.7753% | 7,384 |
| Net loans and leases to deposits | 32.3520% | 7,422 |
| Net loans and leases to core deposits | 36.7221% | 7,378 |
| Total domestic deposits to total assets | 88.9444% | 1,691 |
| Equity capital to assets | 10.9355% | 2,742 |
| Core capital (leverage) ratio | 12.1618% | 1,453 |
| Tier 1 risk-based capital ratio | 24.3146% | 905 |
| Total risk-based capital ratio | 25.5637% | 890 |
| Memoranda: | ||
| Average total assets | $19,186,000 | 7,482 |
| Average earning assets | $17,429,600 | 7,464 |
| Average equity | $2,341,800 | 7,441 |
| Average total loans | $6,172,800 | 7,526 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9530% | 5,023 |
| Cost of funding earning assets | 0.7602% | 6,886 |
| Net interest margin | 4.1929% | 2,242 |
| Noninterest income to average assets | 0.9727% | 1,544 |
| Noninterest expense to average assets | 4.2954% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3170% | 5,099 |
| Return on assets (ROA) | 0.3408% | 5,180 |
| Pretax return on assets | 0.5112% | 4,888 |
| Return on Equity (ROE) | 2.7139% | 5,341 |
| Retained earnings to average equity (ytd only) | 2.7139% | 4,527 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0298% | 1,288 |
| Assets per employee ($millions) | 1.6563% | 7,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1902% | 1,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 31.6208% | 7,422 |
| Net loans and leases to deposits | 36.6592% | 7,456 |
| Net loans and leases to core deposits | 42.6299% | 7,360 |
| Total domestic deposits to total assets | 86.2561% | 2,945 |
| Equity capital to assets | 13.2609% | 1,468 |
| Core capital (leverage) ratio | 13.1841% | 1,162 |
| Tier 1 risk-based capital ratio | 26.7656% | 719 |
| Total risk-based capital ratio | 28.0193% | 691 |
| Memoranda: | ||
| Average total assets | $18,779,250 | 7,589 |
| Average earning assets | $17,012,750 | 7,569 |
| Average equity | $2,358,250 | 7,533 |
| Average total loans | $6,186,000 | 7,625 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 4,517 |
| Cost of funding earning assets | 0.7818% | 6,969 |
| Net interest margin | 4.3057% | 1,752 |
| Noninterest income to average assets | 0.9491% | 1,518 |
| Noninterest expense to average assets | 4.2497% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3870% | 4,807 |
| Return on assets (ROA) | 0.4218% | 4,808 |
| Pretax return on assets | 0.6433% | 4,424 |
| Return on Equity (ROE) | 3.4203% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.4203% | 3,937 |
| Net charge-offs to loans | -0.0955% | 7,549 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7996% | 1,526 |
| Assets per employee ($millions) | 1.6188% | 7,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0165% | 2,135 |
| Loan loss allowance to noncurrent loans | 880.0000% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 7,182 |
| Noncurrent loans to loans | 0.2291% | 6,785 |
| Net loans and leases to total assets | 36.0195% | 7,348 |
| Net loans and leases to deposits | 41.7959% | 7,399 |
| Net loans and leases to core deposits | 47.1965% | 7,313 |
| Total domestic deposits to total assets | 86.1796% | 2,994 |
| Equity capital to assets | 13.4161% | 1,381 |
| Core capital (leverage) ratio | 12.9111% | 1,240 |
| Tier 1 risk-based capital ratio | 25.4414% | 814 |
| Total risk-based capital ratio | 26.7135% | 795 |
| Memoranda: | ||
| Average total assets | $18,966,000 | 7,652 |
| Average earning assets | $17,140,000 | 7,636 |
| Average equity | $2,339,000 | 7,592 |
| Average total loans | $6,284,670 | 7,685 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0181% | 4,936 |
| Cost of funding earning assets | 0.7685% | 7,180 |
| Net interest margin | 4.2495% | 1,854 |
| Noninterest income to average assets | 0.9414% | 1,481 |
| Noninterest expense to average assets | 4.0521% | 956 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4912% | 4,435 |
| Return on assets (ROA) | 0.4912% | 4,570 |
| Pretax return on assets | 0.7367% | 4,104 |
| Return on Equity (ROE) | 4.1487% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.1487% | 3,658 |
| Net charge-offs to loans | -0.1300% | 7,573 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 1,962 |
| Assets per employee ($millions) | 1.7041% | 7,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0695% | 2,019 |
| Loan loss allowance to noncurrent loans | 873.3333% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 7,292 |
| Noncurrent loans to loans | 0.2370% | 6,866 |
| Net loans and leases to total assets | 33.0702% | 7,530 |
| Net loans and leases to deposits | 37.9492% | 7,582 |
| Net loans and leases to core deposits | 43.1085% | 7,502 |
| Total domestic deposits to total assets | 87.1432% | 2,553 |
| Equity capital to assets | 12.5100% | 1,755 |
| Core capital (leverage) ratio | 12.2660% | 1,510 |
| Tier 1 risk-based capital ratio | 24.5921% | 908 |
| Total risk-based capital ratio | 25.8398% | 886 |
| Memoranda: | ||
| Average total assets | $19,545,500 | 7,729 |
| Average earning assets | $17,696,000 | 7,713 |
| Average equity | $2,314,000 | 7,685 |
| Average total loans | $6,154,000 | 7,789 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0712% | 6,188 |
| Cost of funding earning assets | 1.1157% | 6,925 |
| Net interest margin | 3.9555% | 3,053 |
| Noninterest income to average assets | 1.0118% | 1,532 |
| Noninterest expense to average assets | 4.2115% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2331% | 4,791 |
| Return on assets (ROA) | 0.3126% | 4,573 |
| Pretax return on assets | 0.4185% | 4,443 |
| Return on Equity (ROE) | 2.5834% | 4,668 |
| Retained earnings to average equity (ytd only) | 0.5692% | 4,583 |
| Net charge-offs to loans | 0.0159% | 6,997 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 452 |
| Efficiency ratio | 93.0913% | 1,477 |
| Assets per employee ($millions) | 1.6955% | 7,855 |
| Cash dividends to net income (ytd only)* | 77.9661% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1579% | 1,720 |
| Loan loss allowance to noncurrent loans | 280.4348% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 6,900 |
| Noncurrent loans to loans | 0.7695% | 5,728 |
| Net loans and leases to total assets | 28.7477% | 7,738 |
| Net loans and leases to deposits | 32.4602% | 7,779 |
| Net loans and leases to core deposits | 41.1988% | 7,742 |
| Total domestic deposits to total assets | 88.5629% | 1,695 |
| Equity capital to assets | 11.2209% | 2,516 |
| Core capital (leverage) ratio | 12.2933% | 1,529 |
| Tier 1 risk-based capital ratio | 24.4125% | 913 |
| Total risk-based capital ratio | 25.6680% | 888 |
| Memoranda: | ||
| Average total assets | $18,876,800 | 7,808 |
| Average earning assets | $16,761,400 | 7,796 |
| Average equity | $2,283,800 | 7,778 |
| Average total loans | $6,283,400 | 7,851 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2430% | 5,713 |
| Cost of funding earning assets | 1.2049% | 6,870 |
| Net interest margin | 4.0381% | 2,645 |
| Noninterest income to average assets | 1.0517% | 1,440 |
| Noninterest expense to average assets | 4.2572% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2535% | 4,975 |
| Return on assets (ROA) | 0.3530% | 4,679 |
| Pretax return on assets | 0.5114% | 4,486 |
| Return on Equity (ROE) | 2.8603% | 4,852 |
| Retained earnings to average equity (ytd only) | 2.8603% | 3,731 |
| Net charge-offs to loans | -0.1049% | 7,925 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0561% | 1,538 |
| Assets per employee ($millions) | 1.6702% | 7,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2478% | 1,352 |
| Loan loss allowance to noncurrent loans | 236.8421% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 6,711 |
| Noncurrent loans to loans | 0.9491% | 5,399 |
| Net loans and leases to total assets | 31.9562% | 7,755 |
| Net loans and leases to deposits | 37.6033% | 7,790 |
| Net loans and leases to core deposits | 49.7627% | 7,692 |
| Total domestic deposits to total assets | 84.9826% | 3,244 |
| Equity capital to assets | 12.7912% | 1,789 |
| Core capital (leverage) ratio | 12.8178% | 1,440 |
| Tier 1 risk-based capital ratio | 26.2034% | 808 |
| Total risk-based capital ratio | 27.4576% | 788 |
| Memoranda: | ||
| Average total assets | $18,509,500 | 7,896 |
| Average earning assets | $16,377,000 | 7,887 |
| Average equity | $2,284,000 | 7,852 |
| Average total loans | $6,359,750 | 7,926 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2365% | 5,931 |
| Cost of funding earning assets | 1.2757% | 6,881 |
| Net interest margin | 3.9608% | 2,861 |
| Noninterest income to average assets | 1.0347% | 1,486 |
| Noninterest expense to average assets | 4.2683% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1897% | 5,304 |
| Return on assets (ROA) | 0.3341% | 4,857 |
| Pretax return on assets | 0.4958% | 4,627 |
| Return on Equity (ROE) | 2.7409% | 5,000 |
| Retained earnings to average equity (ytd only) | 2.7409% | 3,804 |
| Net charge-offs to loans | -0.1235% | 7,982 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8389% | 1,506 |
| Assets per employee ($millions) | 1.5469% | 8,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2163% | 1,213 |
| Loan loss allowance to noncurrent loans | 262.7451% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 6,720 |
| Noncurrent loans to loans | 0.8435% | 5,534 |
| Net loans and leases to total assets | 34.7438% | 7,746 |
| Net loans and leases to deposits | 40.2232% | 7,808 |
| Net loans and leases to core deposits | 51.4624% | 7,727 |
| Total domestic deposits to total assets | 86.3775% | 2,585 |
| Equity capital to assets | 13.2816% | 1,569 |
| Core capital (leverage) ratio | 13.1634% | 1,381 |
| Tier 1 risk-based capital ratio | 26.1721% | 845 |
| Total risk-based capital ratio | 27.4277% | 820 |
| Memoranda: | ||
| Average total assets | $18,555,330 | 7,975 |
| Average earning assets | $16,461,330 | 7,965 |
| Average equity | $2,262,000 | 7,940 |
| Average total loans | $6,477,670 | 8,012 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2714% | 6,021 |
| Cost of funding earning assets | 1.3238% | 6,950 |
| Net interest margin | 3.9476% | 2,859 |
| Noninterest income to average assets | 0.9314% | 1,730 |
| Noninterest expense to average assets | 4.1604% | 989 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1548% | 5,805 |
| Return on assets (ROA) | 0.3519% | 5,244 |
| Pretax return on assets | 0.5175% | 5,026 |
| Return on Equity (ROE) | 3.0049% | 5,370 |
| Retained earnings to average equity (ytd only) | 3.0049% | 4,204 |
| Net charge-offs to loans | -0.1195% | 7,924 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8113% | 1,389 |
| Assets per employee ($millions) | 1.6525% | 8,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0171% | 1,375 |
| Loan loss allowance to noncurrent loans | 440.0000% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 7,061 |
| Noncurrent loans to loans | 0.4584% | 6,268 |
| Net loans and leases to total assets | 35.2753% | 7,757 |
| Net loans and leases to deposits | 40.4645% | 7,827 |
| Net loans and leases to core deposits | 50.7158% | 7,765 |
| Total domestic deposits to total assets | 87.1761% | 2,136 |
| Equity capital to assets | 12.4553% | 2,001 |
| Core capital (leverage) ratio | 12.2068% | 1,811 |
| Tier 1 risk-based capital ratio | 24.2674% | 1,051 |
| Total risk-based capital ratio | 25.5187% | 1,028 |
| Memoranda: | ||
| Average total assets | $19,325,000 | 8,001 |
| Average earning assets | $16,921,500 | 8,003 |
| Average equity | $2,263,000 | 7,987 |
| Average total loans | $6,693,500 | 8,050 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3478% | 3,702 |
| Cost of funding earning assets | 2.1058% | 6,025 |
| Net interest margin | 4.2420% | 2,149 |
| Noninterest income to average assets | 1.2740% | 909 |
| Noninterest expense to average assets | 4.2160% | 1,133 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5568% | 4,496 |
| Return on assets (ROA) | 0.6316% | 4,029 |
| Pretax return on assets | 0.9555% | 3,539 |
| Return on Equity (ROE) | 5.2448% | 4,264 |
| Retained earnings to average equity (ytd only) | 0.6724% | 4,830 |
| Net charge-offs to loans | -0.1798% | 8,155 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3511% | 2,131 |
| Assets per employee ($millions) | 2.0473% | 7,870 |
| Cash dividends to net income (ytd only)* | 87.1795% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8998% | 1,415 |
| Loan loss allowance to noncurrent loans | 433.3333% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 6,988 |
| Noncurrent loans to loans | 0.4384% | 6,040 |
| Net loans and leases to total assets | 32.7895% | 7,922 |
| Net loans and leases to deposits | 37.0066% | 7,997 |
| Net loans and leases to core deposits | 45.1233% | 7,980 |
| Total domestic deposits to total assets | 88.6045% | 1,199 |
| Equity capital to assets | 11.0487% | 3,006 |
| Core capital (leverage) ratio | 13.1771% | 1,486 |
| Tier 1 risk-based capital ratio | 22.8838% | 1,210 |
| Total risk-based capital ratio | 24.1292% | 1,182 |
| Memoranda: | ||
| Average total assets | $18,524,600 | 8,062 |
| Average earning assets | $16,525,400 | 8,052 |
| Average equity | $2,230,800 | 8,065 |
| Average total loans | $7,231,000 | 8,073 |