Home > Dominion Bank > Performance and Condition Ratios
Dominion 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 | 7.1432% | 200 |
| Cost of funding earning assets | 3.1156% | 124 |
| Net interest margin | 4.0276% | 1,165 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 2.3371% | 2,752 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2311% | 1,580 |
| Return on assets (ROA) | 1.2311% | 1,554 |
| Pretax return on assets | 1.5726% | 1,287 |
| Return on Equity (ROE) | 11.7200% | 2,033 |
| Retained earnings to average equity (ytd only) | 11.7250% | 671 |
| Net charge-offs to loans | -0.0011% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.5528% | 3,237 |
| Assets per employee ($millions) | 11.3577% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 3,784 |
| Loan loss allowance to noncurrent loans | 18,585.7143% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 3,800 |
| Noncurrent loans to loans | 0.0047% | 3,753 |
| Net loans and leases to total assets | 82.5200% | 386 |
| Net loans and leases to deposits | 93.4916% | 976 |
| Net loans and leases to core deposits | 97.9262% | 1,547 |
| Total domestic deposits to total assets | 88.2700% | 1,263 |
| Equity capital to assets | 10.8321% | 1,569 |
| Core capital (leverage) ratio | 10.6728% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9834% | 2,250 |
| Memoranda: | ||
| Average total assets | $520,609,200 | 1,687 |
| Average earning assets | $505,808,200 | 1,617 |
| Average equity | $54,661,000 | 1,498 |
| Average total loans | $436,970,000 | 1,376 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0551% | 188 |
| Cost of funding earning assets | 2.9545% | 126 |
| Net interest margin | 4.1006% | 1,067 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 2.3882% | 2,547 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2593% | 1,636 |
| Return on assets (ROA) | 1.2593% | 1,628 |
| Pretax return on assets | 1.6073% | 1,342 |
| Return on Equity (ROE) | 12.0900% | 2,097 |
| Retained earnings to average equity (ytd only) | 12.0929% | 958 |
| Net charge-offs to loans | -0.0012% | 3,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.7704% | 3,114 |
| Assets per employee ($millions) | 10.8040% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 3,863 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 84.0500% | 277 |
| Net loans and leases to deposits | 96.0559% | 752 |
| Net loans and leases to core deposits | 100.7763% | 1,279 |
| Total domestic deposits to total assets | 87.5000% | 1,736 |
| Equity capital to assets | 10.8440% | 1,411 |
| Core capital (leverage) ratio | 10.1763% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7273% | 2,375 |
| Memoranda: | ||
| Average total assets | $517,308,250 | 1,696 |
| Average earning assets | $502,414,750 | 1,629 |
| Average equity | $53,870,500 | 1,505 |
| Average total loans | $435,105,000 | 1,376 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7877% | 203 |
| Cost of funding earning assets | 2.7087% | 127 |
| Net interest margin | 4.0790% | 1,114 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 2.3286% | 2,720 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.2715% | 1,641 |
| Return on assets (ROA) | 1.2715% | 1,632 |
| Pretax return on assets | 1.6193% | 1,373 |
| Return on Equity (ROE) | 12.3800% | 2,044 |
| Retained earnings to average equity (ytd only) | 12.3808% | 914 |
| Net charge-offs to loans | -0.0014% | 3,480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.5551% | 3,252 |
| Assets per employee ($millions) | 11.5932% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8369% | 3,933 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 81.5700% | 467 |
| Net loans and leases to deposits | 92.4034% | 997 |
| Net loans and leases to core deposits | 95.5051% | 1,490 |
| Total domestic deposits to total assets | 88.2700% | 1,505 |
| Equity capital to assets | 10.0353% | 1,836 |
| Core capital (leverage) ratio | 10.2121% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5921% | 2,438 |
| Memoranda: | ||
| Average total assets | $516,880,333 | 1,690 |
| Average earning assets | $501,933,667 | 1,630 |
| Average equity | $53,082,000 | 1,523 |
| Average total loans | $433,590,667 | 1,364 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5353% | 175 |
| Cost of funding earning assets | 2.4662% | 105 |
| Net interest margin | 4.0691% | 1,144 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.2972% | 2,820 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.3164% | 1,631 |
| Return on assets (ROA) | 1.3164% | 1,602 |
| Pretax return on assets | 1.6656% | 1,347 |
| Return on Equity (ROE) | 12.6600% | 2,063 |
| Retained earnings to average equity (ytd only) | 12.6619% | 1,152 |
| Net charge-offs to loans | -0.0019% | 3,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.9143% | 3,310 |
| Assets per employee ($millions) | 10.8965% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 3,928 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 85.2400% | 173 |
| Net loans and leases to deposits | 97.0910% | 589 |
| Net loans and leases to core deposits | 100.4483% | 1,071 |
| Total domestic deposits to total assets | 87.7900% | 1,990 |
| Equity capital to assets | 10.5939% | 1,513 |
| Core capital (leverage) ratio | 10.4006% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7052% | 2,494 |
| Memoranda: | ||
| Average total assets | $502,881,000 | 1,735 |
| Average earning assets | $488,360,000 | 1,682 |
| Average equity | $52,283,000 | 1,554 |
| Average total loans | $426,284,500 | 1,397 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 546 |
| Cost of funding earning assets | 1.0367% | 139 |
| Net interest margin | 3.6266% | 1,571 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 1.9873% | 3,613 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 1.0493% | 2,376 |
| Return on assets (ROA) | 1.0493% | 2,322 |
| Pretax return on assets | 1.3240% | 2,011 |
| Return on Equity (ROE) | 10.0400% | 2,792 |
| Retained earnings to average equity (ytd only) | 10.0395% | 1,137 |
| Net charge-offs to loans | 0.0003% | 2,606 |
| Credit loss provision to net charge-offs | 132,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 7,470.0000% | 17 |
| Efficiency ratio | 55.0985% | 3,672 |
| Assets per employee ($millions) | 11.2116% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8891% | 3,817 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 82.8200% | 340 |
| Net loans and leases to deposits | 93.7245% | 803 |
| Net loans and leases to core deposits | 96.3099% | 1,188 |
| Total domestic deposits to total assets | 88.3600% | 1,944 |
| Equity capital to assets | 10.2007% | 1,611 |
| Core capital (leverage) ratio | 9.8367% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8235% | 2,781 |
| Memoranda: | ||
| Average total assets | $464,500,200 | 1,821 |
| Average earning assets | $450,860,000 | 1,756 |
| Average equity | $48,548,200 | 1,661 |
| Average total loans | $378,346,800 | 1,462 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0833% | 1,093 |
| Cost of funding earning assets | 0.6759% | 301 |
| Net interest margin | 3.4074% | 1,949 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.9705% | 3,558 |
| Loan and lease loss provision to assets | 0.3500% | 176 |
| Net operating income to assets | 0.8320% | 3,125 |
| Return on assets (ROA) | 0.8320% | 3,095 |
| Pretax return on assets | 1.0532% | 2,865 |
| Return on Equity (ROE) | 7.9100% | 3,360 |
| Retained earnings to average equity (ytd only) | 7.9074% | 2,037 |
| Net charge-offs to loans | 0.0011% | 2,283 |
| Credit loss provision to net charge-offs | 40,200.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 1,598.6667% | 82 |
| Efficiency ratio | 58.1517% | 3,366 |
| Assets per employee ($millions) | 11.9258% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 3,919 |
| 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 | 81.8500% | 390 |
| Net loans and leases to deposits | 92.5316% | 736 |
| Net loans and leases to core deposits | 93.7326% | 1,113 |
| Total domestic deposits to total assets | 88.4600% | 2,287 |
| Equity capital to assets | 9.8578% | 1,688 |
| Core capital (leverage) ratio | 9.9338% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5370% | 2,644 |
| Memoranda: | ||
| Average total assets | $454,494,500 | 1,855 |
| Average earning assets | $441,067,500 | 1,794 |
| Average equity | $47,819,000 | 1,696 |
| Average total loans | $367,540,750 | 1,488 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 1,747 |
| Cost of funding earning assets | 0.4184% | 818 |
| Net interest margin | 3.2116% | 2,149 |
| Noninterest income to average assets | 0.0611% | 4,607 |
| Noninterest expense to average assets | 2.0273% | 3,361 |
| Loan and lease loss provision to assets | 0.3930% | 146 |
| Net operating income to assets | 0.6170% | 3,582 |
| Return on assets (ROA) | 0.6170% | 3,527 |
| Pretax return on assets | 0.7809% | 3,372 |
| Return on Equity (ROE) | 5.6829% | 3,662 |
| Retained earnings to average equity (ytd only) | 5.6829% | 2,445 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1149% | 2,899 |
| Assets per employee ($millions) | 10.6009% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 4,135 |
| Loan loss allowance to noncurrent loans | 15,642.8571% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,009 |
| Noncurrent loans to loans | 0.0053% | 3,957 |
| Net loans and leases to total assets | 81.1440% | 335 |
| Net loans and leases to deposits | 91.0749% | 659 |
| Net loans and leases to core deposits | 92.6608% | 986 |
| Total domestic deposits to total assets | 89.0959% | 2,140 |
| Equity capital to assets | 9.8431% | 1,802 |
| Core capital (leverage) ratio | 11.0039% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8616% | 2,845 |
| Memoranda: | ||
| Average total assets | $435,651,000 | 1,916 |
| Average earning assets | $425,950,333 | 1,856 |
| Average equity | $47,300,000 | 1,752 |
| Average total loans | $352,185,333 | 1,526 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3766% | 2,159 |
| Cost of funding earning assets | 0.3171% | 1,490 |
| Net interest margin | 3.0595% | 2,291 |
| Noninterest income to average assets | 0.0615% | 4,631 |
| Noninterest expense to average assets | 2.2683% | 2,615 |
| Loan and lease loss provision to assets | 0.3183% | 187 |
| Net operating income to assets | 0.3652% | 4,030 |
| Return on assets (ROA) | 0.3652% | 3,994 |
| Pretax return on assets | 0.4619% | 3,929 |
| Return on Equity (ROE) | 3.1863% | 4,049 |
| Retained earnings to average equity (ytd only) | 3.1863% | 3,198 |
| Net charge-offs to loans | 0.0170% | 1,192 |
| Credit loss provision to net charge-offs | 2,328.5714% | 188 |
| Earnings coverage of net charge-offs (x) | 57.0714% | 871 |
| Efficiency ratio | 74.1832% | 1,721 |
| Assets per employee ($millions) | 9.9351% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7927% | 4,256 |
| Loan loss allowance to noncurrent loans | 12,459.0909% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,034 |
| Noncurrent loans to loans | 0.0064% | 3,983 |
| Net loans and leases to total assets | 80.2952% | 229 |
| Net loans and leases to deposits | 94.1790% | 354 |
| Net loans and leases to core deposits | 96.0739% | 653 |
| Total domestic deposits to total assets | 85.2581% | 3,483 |
| Equity capital to assets | 11.0266% | 1,320 |
| Core capital (leverage) ratio | 12.6095% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5320% | 1,976 |
| Memoranda: | ||
| Average total assets | $409,655,000 | 2,023 |
| Average earning assets | $399,934,000 | 1,956 |
| Average equity | $46,950,500 | 1,818 |
| Average total loans | $328,789,000 | 1,591 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5193% | 2,603 |
| Cost of funding earning assets | 0.3598% | 1,857 |
| Net interest margin | 3.1595% | 2,712 |
| Noninterest income to average assets | 0.0617% | 4,703 |
| Noninterest expense to average assets | 2.2695% | 2,884 |
| Loan and lease loss provision to assets | 0.2721% | 320 |
| Net operating income to assets | 0.4675% | 4,146 |
| Return on assets (ROA) | 0.4675% | 4,193 |
| Pretax return on assets | 0.5917% | 4,123 |
| Return on Equity (ROE) | 3.7577% | 4,253 |
| Retained earnings to average equity (ytd only) | 3.7577% | 3,309 |
| Net charge-offs to loans | 0.0129% | 2,081 |
| Credit loss provision to net charge-offs | 2,566.6667% | 260 |
| Earnings coverage of net charge-offs (x) | 81.4872% | 986 |
| Efficiency ratio | 72.1808% | 1,495 |
| Assets per employee ($millions) | 9.1186% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7790% | 4,301 |
| Loan loss allowance to noncurrent loans | 15,181.2500% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,136 |
| Noncurrent loans to loans | 0.0051% | 4,074 |
| Net loans and leases to total assets | 78.9030% | 325 |
| Net loans and leases to deposits | 96.2164% | 304 |
| Net loans and leases to core deposits | 98.5673% | 592 |
| Total domestic deposits to total assets | 82.0058% | 3,964 |
| Equity capital to assets | 11.9342% | 1,278 |
| Core capital (leverage) ratio | 12.9162% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2090% | 1,773 |
| Memoranda: | ||
| Average total assets | $367,926,800 | 2,114 |
| Average earning assets | $357,681,600 | 2,050 |
| Average equity | $45,772,200 | 1,901 |
| Average total loans | $301,184,400 | 1,702 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4215% | 3,042 |
| Cost of funding earning assets | 0.3698% | 1,938 |
| Net interest margin | 3.0517% | 3,176 |
| Noninterest income to average assets | 0.0586% | 4,787 |
| Noninterest expense to average assets | 2.2316% | 2,969 |
| Loan and lease loss provision to assets | 0.3186% | 239 |
| Net operating income to assets | 0.3740% | 4,416 |
| Return on assets (ROA) | 0.3740% | 4,445 |
| Pretax return on assets | 0.4727% | 4,400 |
| Return on Equity (ROE) | 2.9732% | 4,468 |
| Retained earnings to average equity (ytd only) | 2.9732% | 3,919 |
| Net charge-offs to loans | 0.0152% | 1,781 |
| Credit loss provision to net charge-offs | 2,544.1176% | 272 |
| Earnings coverage of net charge-offs (x) | 63.1765% | 1,114 |
| Efficiency ratio | 73.5527% | 1,254 |
| Assets per employee ($millions) | 8.2790% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7287% | 4,453 |
| Loan loss allowance to noncurrent loans | 15,320.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,232 |
| Noncurrent loans to loans | 0.0048% | 4,179 |
| Net loans and leases to total assets | 84.0337% | 115 |
| Net loans and leases to deposits | 108.9674% | 102 |
| Net loans and leases to core deposits | 113.9526% | 254 |
| Total domestic deposits to total assets | 77.1182% | 4,488 |
| Equity capital to assets | 12.3762% | 1,230 |
| Core capital (leverage) ratio | 14.0473% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6470% | 1,740 |
| Memoranda: | ||
| Average total assets | $361,883,750 | 2,161 |
| Average earning assets | $351,538,000 | 2,094 |
| Average equity | $45,516,750 | 1,928 |
| Average total loans | $298,528,750 | 1,744 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2014% | 3,679 |
| Cost of funding earning assets | 0.3737% | 2,101 |
| Net interest margin | 2.8277% | 3,729 |
| Noninterest income to average assets | 0.0564% | 4,826 |
| Noninterest expense to average assets | 2.1907% | 3,123 |
| Loan and lease loss provision to assets | 0.3198% | 252 |
| Net operating income to assets | 0.2305% | 4,604 |
| Return on assets (ROA) | 0.2305% | 4,617 |
| Pretax return on assets | 0.2914% | 4,593 |
| Return on Equity (ROE) | 1.8226% | 4,613 |
| Retained earnings to average equity (ytd only) | 1.8226% | 4,154 |
| Net charge-offs to loans | 0.0239% | 1,470 |
| Credit loss provision to net charge-offs | 1,637.1429% | 338 |
| Earnings coverage of net charge-offs (x) | 31.2857% | 1,289 |
| Efficiency ratio | 77.8884% | 917 |
| Assets per employee ($millions) | 8.5350% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6243% | 4,633 |
| Loan loss allowance to noncurrent loans | 4,177.0833% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 4,212 |
| Noncurrent loans to loans | 0.0149% | 4,159 |
| Net loans and leases to total assets | 83.0920% | 168 |
| Net loans and leases to deposits | 122.7424% | 49 |
| Net loans and leases to core deposits | 129.3460% | 132 |
| Total domestic deposits to total assets | 67.6962% | 4,798 |
| Equity capital to assets | 11.8488% | 1,437 |
| Core capital (leverage) ratio | 15.4084% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3794% | 1,253 |
| Memoranda: | ||
| Average total assets | $358,327,000 | 2,171 |
| Average earning assets | $347,914,000 | 2,101 |
| Average equity | $45,319,667 | 1,920 |
| Average total loans | $292,915,333 | 1,773 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3359% | 3,373 |
| Cost of funding earning assets | 0.4037% | 2,064 |
| Net interest margin | 2.9322% | 3,434 |
| Noninterest income to average assets | 0.0567% | 4,835 |
| Noninterest expense to average assets | 2.4536% | 2,319 |
| Loan and lease loss provision to assets | 0.1459% | 906 |
| Net operating income to assets | 0.2374% | 4,607 |
| Return on assets (ROA) | 0.2374% | 4,627 |
| Pretax return on assets | 0.2999% | 4,599 |
| Return on Equity (ROE) | 1.8131% | 4,626 |
| Retained earnings to average equity (ytd only) | 1.8131% | 4,049 |
| Net charge-offs to loans | -0.0029% | 3,213 |
| Credit loss provision to net charge-offs | -6,300.0000% | 3,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3450% | 579 |
| Assets per employee ($millions) | 7.9845% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5375% | 4,746 |
| Loan loss allowance to noncurrent loans | 664.5833% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 3,887 |
| Noncurrent loans to loans | 0.0809% | 3,894 |
| Net loans and leases to total assets | 84.0198% | 145 |
| Net loans and leases to deposits | 125.5528% | 49 |
| Net loans and leases to core deposits | 134.5280% | 115 |
| Total domestic deposits to total assets | 66.9199% | 4,821 |
| Equity capital to assets | 12.9006% | 943 |
| Core capital (leverage) ratio | 16.0523% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4492% | 558 |
| Memoranda: | ||
| Average total assets | $345,454,000 | 2,210 |
| Average earning assets | $334,900,000 | 2,151 |
| Average equity | $45,225,500 | 1,911 |
| Average total loans | $278,803,500 | 1,842 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5822% | 3,848 |
| Cost of funding earning assets | 0.6075% | 2,259 |
| Net interest margin | 2.9747% | 3,952 |
| Noninterest income to average assets | 0.0522% | 4,858 |
| Noninterest expense to average assets | 3.2127% | 1,038 |
| Loan and lease loss provision to assets | 0.2478% | 1,555 |
| Net operating income to assets | -0.4289% | 4,868 |
| Return on assets (ROA) | -0.4270% | 4,879 |
| Pretax return on assets | -0.5404% | 4,884 |
| Return on Equity (ROE) | -2.4131% | 4,856 |
| Retained earnings to average equity (ytd only) | -2.4131% | 4,736 |
| Net charge-offs to loans | -0.0025% | 4,014 |
| Credit loss provision to net charge-offs | -12,720.0000% | 4,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4672% | 124 |
| Assets per employee ($millions) | 7.8975% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5628% | 4,747 |
| Loan loss allowance to noncurrent loans | 1,983.7838% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 4,286 |
| Noncurrent loans to loans | 0.0284% | 4,203 |
| Net loans and leases to total assets | 76.3766% | 745 |
| Net loans and leases to deposits | 122.2056% | 66 |
| Net loans and leases to core deposits | 130.7503% | 194 |
| Total domestic deposits to total assets | 62.4984% | 4,894 |
| Equity capital to assets | 13.2892% | 1,003 |
| Core capital (leverage) ratio | 16.8809% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0593% | 386 |
| Memoranda: | ||
| Average total assets | $256,666,200 | 2,532 |
| Average earning assets | $247,248,600 | 2,479 |
| Average equity | $45,419,400 | 1,835 |
| Average total loans | $197,048,000 | 2,262 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 3,934 |
| Cost of funding earning assets | 0.6525% | 2,315 |
| Net interest margin | 2.9852% | 4,011 |
| Noninterest income to average assets | 0.0486% | 4,893 |
| Noninterest expense to average assets | 3.4042% | 796 |
| Loan and lease loss provision to assets | 0.3255% | 1,199 |
| Net operating income to assets | -0.6413% | 4,912 |
| Return on assets (ROA) | -0.6386% | 4,916 |
| Pretax return on assets | -0.8081% | 4,925 |
| Return on Equity (ROE) | -3.3119% | 4,891 |
| Retained earnings to average equity (ytd only) | -3.3119% | 4,787 |
| Net charge-offs to loans | -0.0007% | 3,800 |
| Credit loss provision to net charge-offs | -57,600.0000% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8598% | 90 |
| Assets per employee ($millions) | 7.7718% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5248% | 4,793 |
| Loan loss allowance to noncurrent loans | 1,950.0000% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 4,370 |
| Noncurrent loans to loans | 0.0269% | 4,300 |
| Net loans and leases to total assets | 77.8186% | 853 |
| Net loans and leases to deposits | 131.6840% | 52 |
| Net loans and leases to core deposits | 140.4118% | 162 |
| Total domestic deposits to total assets | 59.0950% | 4,936 |
| Equity capital to assets | 13.1899% | 1,110 |
| Core capital (leverage) ratio | 20.8192% | 174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4459% | 352 |
| Memoranda: | ||
| Average total assets | $235,935,000 | 2,663 |
| Average earning assets | $226,800,500 | 2,603 |
| Average equity | $45,492,000 | 1,827 |
| Average total loans | $181,101,000 | 2,405 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9200% | 3,561 |
| Cost of funding earning assets | 0.7588% | 2,061 |
| Net interest margin | 3.1612% | 3,761 |
| Noninterest income to average assets | 0.0558% | 4,899 |
| Noninterest expense to average assets | 3.9562% | 427 |
| Loan and lease loss provision to assets | 0.2154% | 1,934 |
| Net operating income to assets | -0.8612% | 4,955 |
| Return on assets (ROA) | -0.8565% | 4,949 |
| Pretax return on assets | -1.0858% | 4,956 |
| Return on Equity (ROE) | -3.7658% | 4,911 |
| Retained earnings to average equity (ytd only) | -3.7658% | 4,711 |
| Net charge-offs to loans | -0.0013% | 3,775 |
| Credit loss provision to net charge-offs | -21,600.0000% | 4,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.4558% | 68 |
| Assets per employee ($millions) | 6.1722% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4486% | 4,877 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 4,415 |
| Noncurrent loans to loans | 0.0309% | 4,359 |
| Net loans and leases to total assets | 87.2968% | 85 |
| Net loans and leases to deposits | 158.3422% | 18 |
| Net loans and leases to core deposits | 173.0471% | 62 |
| Total domestic deposits to total assets | 55.1318% | 4,989 |
| Equity capital to assets | 17.0987% | 368 |
| Core capital (leverage) ratio | 22.1758% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9843% | 214 |
| Memoranda: | ||
| Average total assets | $200,594,000 | 2,896 |
| Average earning assets | $191,888,667 | 2,860 |
| Average equity | $45,621,333 | 1,805 |
| Average total loans | $152,297,667 | 2,639 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9407% | 3,956 |
| Cost of funding earning assets | 0.8829% | 1,957 |
| Net interest margin | 3.0578% | 4,182 |
| Noninterest income to average assets | 0.0666% | 4,930 |
| Noninterest expense to average assets | 5.1300% | 211 |
| Loan and lease loss provision to assets | 0.3710% | 834 |
| Net operating income to assets | -1.9859% | 5,052 |
| Return on assets (ROA) | -1.9859% | 5,039 |
| Pretax return on assets | -2.5186% | 5,046 |
| Return on Equity (ROE) | -7.3019% | 4,967 |
| Retained earnings to average equity (ytd only) | -7.3019% | 4,662 |
| Net charge-offs to loans | 0.0071% | 2,316 |
| Credit loss provision to net charge-offs | 7,800.0000% | 93 |
| Earnings coverage of net charge-offs (x) | -451.5000% | 2,579 |
| Efficiency ratio | 172.0096% | 38 |
| Assets per employee ($millions) | 4.3480% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 4,363 |
| Loan loss allowance to noncurrent loans | 1,343.8356% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 4,424 |
| Noncurrent loans to loans | 0.0609% | 4,300 |
| Net loans and leases to total assets | 62.1531% | 3,284 |
| Net loans and leases to deposits | 81.7579% | 2,484 |
| Net loans and leases to core deposits | 89.6349% | 2,381 |
| Total domestic deposits to total assets | 76.0210% | 4,484 |
| Equity capital to assets | 23.6905% | 132 |
| Core capital (leverage) ratio | 27.8767% | 83 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3850% | 180 |
| Memoranda: | ||
| Average total assets | $168,188,000 | 3,152 |
| Average earning assets | $160,377,000 | 3,103 |
| Average equity | $45,741,500 | 1,797 |
| Average total loans | $112,079,000 | 3,054 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5903% | 4,789 |
| Cost of funding earning assets | 0.6498% | 3,411 |
| Net interest margin | 2.9405% | 4,603 |
| Noninterest income to average assets | 0.1407% | 4,773 |
| Noninterest expense to average assets | 5.9710% | 142 |
| Loan and lease loss provision to assets | 1.0454% | 89 |
| Net operating income to assets | -3.2487% | 5,150 |
| Return on assets (ROA) | -3.2187% | 5,152 |
| Pretax return on assets | -4.0740% | 5,155 |
| Return on Equity (ROE) | -9.2252% | 5,117 |
| Retained earnings to average equity (ytd only) | -9.2252% | 5,054 |
| Net charge-offs to loans | 0.0061% | 3,460 |
| Credit loss provision to net charge-offs | 27,500.0000% | 7 |
| Earnings coverage of net charge-offs (x) | -806.6667% | 3,724 |
| Efficiency ratio | 205.5846% | 20 |
| Assets per employee ($millions) | 3.6266% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7931% | 4,325 |
| Loan loss allowance to noncurrent loans | 1,102.6667% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 4,376 |
| Noncurrent loans to loans | 0.0719% | 4,243 |
| Net loans and leases to total assets | 71.3090% | 2,207 |
| Net loans and leases to deposits | 104.9139% | 342 |
| Net loans and leases to core deposits | 118.9643% | 505 |
| Total domestic deposits to total assets | 67.9691% | 4,990 |
| Equity capital to assets | 31.8207% | 61 |
| Core capital (leverage) ratio | 37.1653% | 56 |
| Tier 1 risk-based capital ratio | 35.9998% | 309 |
| Total risk-based capital ratio | 36.6650% | 316 |
| Memoranda: | ||
| Average total assets | $78,915,000 | 4,307 |
| Average earning assets | $74,171,600 | 4,283 |
| Average equity | $27,533,400 | 2,529 |
| Average total loans | $49,556,600 | 4,195 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0863% | 5,132 |
| Cost of funding earning assets | 0.5720% | 3,811 |
| Net interest margin | 2.5143% | 5,056 |
| Noninterest income to average assets | 0.1560% | 4,768 |
| Noninterest expense to average assets | 6.0319% | 138 |
| Loan and lease loss provision to assets | 0.9533% | 98 |
| Net operating income to assets | -3.5411% | 5,232 |
| Return on assets (ROA) | -3.4905% | 5,231 |
| Pretax return on assets | -4.4160% | 5,240 |
| Return on Equity (ROE) | -9.5174% | 5,198 |
| Retained earnings to average equity (ytd only) | -9.5174% | 5,140 |
| Net charge-offs to loans | 0.0186% | 2,754 |
| Credit loss provision to net charge-offs | 8,920.0000% | 45 |
| Earnings coverage of net charge-offs (x) | -329.8276% | 3,452 |
| Efficiency ratio | 240.7850% | 15 |
| Assets per employee ($millions) | 3.0062% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6586% | 4,713 |
| Loan loss allowance to noncurrent loans | 1,351.5152% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 4,568 |
| Noncurrent loans to loans | 0.0487% | 4,428 |
| Net loans and leases to total assets | 65.8152% | 3,071 |
| Net loans and leases to deposits | 120.6503% | 90 |
| Net loans and leases to core deposits | 148.9285% | 129 |
| Total domestic deposits to total assets | 54.5503% | 5,190 |
| Equity capital to assets | 45.0710% | 45 |
| Core capital (leverage) ratio | 51.3001% | 37 |
| Tier 1 risk-based capital ratio | 97.6990% | 45 |
| Total risk-based capital ratio | 98.6745% | 45 |
| Memoranda: | ||
| Average total assets | $62,378,000 | 4,617 |
| Average earning assets | $58,277,500 | 4,605 |
| Average equity | $22,876,750 | 2,900 |
| Average total loans | $35,878,250 | 4,565 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6374% | 2,553 |
| Cost of funding earning assets | 0.7839% | 2,719 |
| Net interest margin | 3.8536% | 2,397 |
| Noninterest income to average assets | 0.3421% | 3,647 |
| Noninterest expense to average assets | 6.9438% | 114 |
| Loan and lease loss provision to assets | 0.0815% | 2,211 |
| Net operating income to assets | -2.4464% | 5,264 |
| Return on assets (ROA) | -2.3499% | 5,264 |
| Pretax return on assets | -2.9771% | 5,274 |
| Return on Equity (ROE) | -7.6148% | 5,222 |
| Retained earnings to average equity (ytd only) | -9.8056% | 5,175 |
| Net charge-offs to loans | 0.0317% | 2,224 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | -185.2500% | 3,167 |
| Efficiency ratio | 176.8672% | 30 |
| Assets per employee ($millions) | 2.5672% | 5,097 |
| Cash dividends to net income (ytd only)* | -28.7695% | 5,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0616% | 5,243 |
| Loan loss allowance to noncurrent loans | 48.4848% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 4,562 |
| Noncurrent loans to loans | 0.1270% | 4,106 |
| Net loans and leases to total assets | 32.6251% | 5,056 |
| Net loans and leases to deposits | 61.6810% | 4,344 |
| Net loans and leases to core deposits | 81.8666% | 3,275 |
| Total domestic deposits to total assets | 52.8932% | 5,242 |
| Equity capital to assets | 46.8065% | 39 |
| Core capital (leverage) ratio | 62.6081% | 34 |
| Tier 1 risk-based capital ratio | 100.6290% | 43 |
| Total risk-based capital ratio | 100.6739% | 43 |
| Memoranda: | ||
| Average total assets | $49,108,330 | 4,868 |
| Average earning assets | $45,672,000 | 4,856 |
| Average equity | $15,154,670 | 3,667 |
| Average total loans | $25,265,330 | 4,848 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5878% | 439 |
| Cost of funding earning assets | 1.0020% | 1,558 |
| Net interest margin | 4.5859% | 626 |
| Noninterest income to average assets | 0.5432% | 2,325 |
| Noninterest expense to average assets | 4.4758% | 295 |
| Loan and lease loss provision to assets | 0.0590% | 2,470 |
| Net operating income to assets | 0.2716% | 4,933 |
| Return on assets (ROA) | 0.2716% | 4,942 |
| Pretax return on assets | 0.2244% | 5,015 |
| Return on Equity (ROE) | 2.2401% | 4,935 |
| Retained earnings to average equity (ytd only) | -9.1551% | 5,075 |
| Net charge-offs to loans | 0.0964% | 1,169 |
| Credit loss provision to net charge-offs | 83.3333% | 1,758 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,355 |
| Efficiency ratio | 94.0447% | 274 |
| Assets per employee ($millions) | 3.0455% | 4,950 |
| Cash dividends to net income (ytd only)* | 508.6957% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8196% | 4,462 |
| Loan loss allowance to noncurrent loans | 545.9459% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 4,255 |
| Noncurrent loans to loans | 0.1501% | 4,064 |
| Net loans and leases to total assets | 72.9701% | 1,992 |
| Net loans and leases to deposits | 84.1944% | 2,367 |
| Net loans and leases to core deposits | 96.4072% | 1,901 |
| Total domestic deposits to total assets | 86.6687% | 1,977 |
| Equity capital to assets | 12.2328% | 1,891 |
| Core capital (leverage) ratio | 12.4316% | 1,546 |
| Tier 1 risk-based capital ratio | 17.8193% | 1,847 |
| Total risk-based capital ratio | 18.6763% | 1,910 |
| Memoranda: | ||
| Average total assets | $33,871,000 | 5,148 |
| Average earning assets | $31,139,000 | 5,136 |
| Average equity | $4,107,000 | 5,136 |
| Average total loans | $24,908,000 | 4,906 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5128% | 389 |
| Cost of funding earning assets | 0.8476% | 1,318 |
| Net interest margin | 4.6652% | 525 |
| Noninterest income to average assets | 0.5253% | 2,685 |
| Noninterest expense to average assets | 4.1041% | 467 |
| Loan and lease loss provision to assets | -0.0087% | 5,106 |
| Net operating income to assets | 0.6966% | 4,148 |
| Return on assets (ROA) | 0.6966% | 4,151 |
| Pretax return on assets | 0.7111% | 4,385 |
| Return on Equity (ROE) | 6.0484% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.9476% | 2,223 |
| Net charge-offs to loans | -0.0163% | 4,635 |
| Credit loss provision to net charge-offs | 75.0000% | 2,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3865% | 561 |
| Assets per employee ($millions) | 3.4242% | 4,635 |
| Cash dividends to net income (ytd only)* | 1.6667% | 3,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 4,514 |
| Loan loss allowance to noncurrent loans | 507.5000% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 4,244 |
| Noncurrent loans to loans | 0.1589% | 4,026 |
| Net loans and leases to total assets | 72.9105% | 2,115 |
| Net loans and leases to deposits | 84.1144% | 2,499 |
| Net loans and leases to core deposits | 98.8048% | 1,807 |
| Total domestic deposits to total assets | 86.6801% | 1,930 |
| Equity capital to assets | 12.0203% | 1,883 |
| Core capital (leverage) ratio | 12.5241% | 1,442 |
| Tier 1 risk-based capital ratio | 17.8108% | 1,811 |
| Total risk-based capital ratio | 18.6528% | 1,881 |
| Memoranda: | ||
| Average total assets | $34,453,600 | 5,183 |
| Average earning assets | $31,617,200 | 5,172 |
| Average equity | $3,968,000 | 5,186 |
| Average total loans | $24,486,000 | 4,956 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4947% | 365 |
| Cost of funding earning assets | 0.8337% | 1,179 |
| Net interest margin | 4.6610% | 514 |
| Noninterest income to average assets | 0.5293% | 2,677 |
| Noninterest expense to average assets | 4.2001% | 397 |
| Loan and lease loss provision to assets | 0.1352% | 1,483 |
| Net operating income to assets | 0.5100% | 4,739 |
| Return on assets (ROA) | 0.5100% | 4,739 |
| Pretax return on assets | 0.4714% | 4,940 |
| Return on Equity (ROE) | 4.4772% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.3414% | 3,586 |
| Net charge-offs to loans | -0.0165% | 4,564 |
| Credit loss provision to net charge-offs | -1,166.6667% | 4,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3794% | 440 |
| Assets per employee ($millions) | 3.3901% | 4,694 |
| Cash dividends to net income (ytd only)* | 3.0284% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 3,901 |
| Loan loss allowance to noncurrent loans | 533.3333% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 4,291 |
| Noncurrent loans to loans | 0.1835% | 4,063 |
| Net loans and leases to total assets | 71.6439% | 2,382 |
| Net loans and leases to deposits | 81.4733% | 2,877 |
| Net loans and leases to core deposits | 95.6032% | 2,154 |
| Total domestic deposits to total assets | 87.9355% | 1,263 |
| Equity capital to assets | 11.7401% | 2,077 |
| Core capital (leverage) ratio | 11.7999% | 1,915 |
| Tier 1 risk-based capital ratio | 17.4271% | 1,959 |
| Total risk-based capital ratio | 18.4263% | 1,981 |
| Memoranda: | ||
| Average total assets | $34,506,500 | 5,251 |
| Average earning assets | $31,666,250 | 5,241 |
| Average equity | $3,931,000 | 5,252 |
| Average total loans | $24,315,250 | 5,018 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4346% | 363 |
| Cost of funding earning assets | 0.7531% | 1,357 |
| Net interest margin | 4.6816% | 462 |
| Noninterest income to average assets | 0.5301% | 2,687 |
| Noninterest expense to average assets | 4.3102% | 358 |
| Loan and lease loss provision to assets | 0.2017% | 849 |
| Net operating income to assets | 0.3515% | 5,046 |
| Return on assets (ROA) | 0.3515% | 5,044 |
| Pretax return on assets | 0.3169% | 5,146 |
| Return on Equity (ROE) | 3.1165% | 5,001 |
| Retained earnings to average equity (ytd only) | 2.9121% | 4,087 |
| Net charge-offs to loans | -0.0082% | 4,255 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2601% | 401 |
| Assets per employee ($millions) | 3.6455% | 4,406 |
| Cash dividends to net income (ytd only)* | 6.5574% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 4,090 |
| Loan loss allowance to noncurrent loans | 506.3830% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 4,356 |
| Noncurrent loans to loans | 0.1885% | 4,062 |
| Net loans and leases to total assets | 67.7383% | 2,906 |
| Net loans and leases to deposits | 79.8952% | 2,966 |
| Net loans and leases to core deposits | 93.1568% | 2,298 |
| Total domestic deposits to total assets | 84.7840% | 2,756 |
| Equity capital to assets | 10.7475% | 2,894 |
| Core capital (leverage) ratio | 11.8295% | 1,819 |
| Tier 1 risk-based capital ratio | 16.3716% | 2,304 |
| Total risk-based capital ratio | 17.3185% | 2,353 |
| Memoranda: | ||
| Average total assets | $34,708,330 | 5,313 |
| Average earning assets | $31,869,670 | 5,301 |
| Average equity | $3,914,670 | 5,315 |
| Average total loans | $24,244,330 | 5,080 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3862% | 342 |
| Cost of funding earning assets | 0.7345% | 1,265 |
| Net interest margin | 4.6517% | 445 |
| Noninterest income to average assets | 0.5556% | 2,494 |
| Noninterest expense to average assets | 4.4451% | 308 |
| Loan and lease loss provision to assets | 0.2364% | 652 |
| Net operating income to assets | 0.2128% | 5,226 |
| Return on assets (ROA) | 0.2128% | 5,225 |
| Pretax return on assets | 0.1419% | 5,309 |
| Return on Equity (ROE) | 1.8400% | 5,202 |
| Retained earnings to average equity (ytd only) | 1.3289% | 4,536 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1569% | 359 |
| Assets per employee ($millions) | 3.3686% | 4,826 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,350 |
| Loan loss allowance to noncurrent loans | 281.0127% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 3,938 |
| Noncurrent loans to loans | 0.3276% | 3,593 |
| Net loans and leases to total assets | 70.9315% | 2,338 |
| Net loans and leases to deposits | 80.4674% | 2,756 |
| Net loans and leases to core deposits | 94.8250% | 2,071 |
| Total domestic deposits to total assets | 88.1494% | 1,539 |
| Equity capital to assets | 11.5270% | 2,109 |
| Core capital (leverage) ratio | 12.0881% | 1,600 |
| Tier 1 risk-based capital ratio | 16.5084% | 2,272 |
| Total risk-based capital ratio | 17.4093% | 2,358 |
| Memoranda: | ||
| Average total assets | $33,835,000 | 5,380 |
| Average earning assets | $31,042,500 | 5,373 |
| Average equity | $3,913,000 | 5,371 |
| Average total loans | $23,900,500 | 5,148 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4158% | 302 |
| Cost of funding earning assets | 0.5936% | 1,640 |
| Net interest margin | 4.8222% | 336 |
| Noninterest income to average assets | 0.5169% | 2,893 |
| Noninterest expense to average assets | 3.8877% | 624 |
| Loan and lease loss provision to assets | 0.3084% | 551 |
| Net operating income to assets | 0.6516% | 3,814 |
| Return on assets (ROA) | 0.6772% | 3,745 |
| Pretax return on assets | 0.7195% | 4,464 |
| Return on Equity (ROE) | 5.6666% | 3,885 |
| Retained earnings to average equity (ytd only) | 2.9598% | 3,529 |
| Net charge-offs to loans | 0.9844% | 186 |
| Credit loss provision to net charge-offs | 46.7890% | 3,368 |
| Earnings coverage of net charge-offs (x) | 1.5183% | 3,876 |
| Efficiency ratio | 79.5300% | 1,156 |
| Assets per employee ($millions) | 3.7760% | 4,318 |
| Cash dividends to net income (ytd only)* | 47.7679% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 4,657 |
| Loan loss allowance to noncurrent loans | 232.1839% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 3,855 |
| Noncurrent loans to loans | 0.3673% | 3,444 |
| Net loans and leases to total assets | 69.1002% | 2,664 |
| Net loans and leases to deposits | 81.3969% | 2,771 |
| Net loans and leases to core deposits | 95.1422% | 2,103 |
| Total domestic deposits to total assets | 84.8929% | 2,882 |
| Equity capital to assets | 11.6025% | 2,112 |
| Core capital (leverage) ratio | 12.1364% | 1,538 |
| Tier 1 risk-based capital ratio | 16.5570% | 2,247 |
| Total risk-based capital ratio | 17.3826% | 2,328 |
| Memoranda: | ||
| Average total assets | $33,079,000 | 5,452 |
| Average earning assets | $29,986,200 | 5,442 |
| Average equity | $3,953,000 | 5,427 |
| Average total loans | $22,146,200 | 5,251 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3705% | 311 |
| Cost of funding earning assets | 0.5798% | 1,671 |
| Net interest margin | 4.7908% | 343 |
| Noninterest income to average assets | 0.5276% | 2,850 |
| Noninterest expense to average assets | 3.9204% | 577 |
| Loan and lease loss provision to assets | 0.2963% | 528 |
| Net operating income to assets | 0.6065% | 4,366 |
| Return on assets (ROA) | 0.6412% | 4,278 |
| Pretax return on assets | 0.6737% | 4,670 |
| Return on Equity (ROE) | 5.3257% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.3257% | 2,664 |
| Net charge-offs to loans | 0.9435% | 190 |
| Credit loss provision to net charge-offs | 47.4026% | 2,940 |
| Earnings coverage of net charge-offs (x) | 1.4935% | 3,568 |
| Efficiency ratio | 80.7692% | 1,016 |
| Assets per employee ($millions) | 2.9949% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 3,789 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 3,131 |
| Noncurrent loans to loans | 0.7002% | 2,607 |
| Net loans and leases to total assets | 67.7726% | 2,877 |
| Net loans and leases to deposits | 77.6186% | 3,209 |
| Net loans and leases to core deposits | 90.7565% | 2,547 |
| Total domestic deposits to total assets | 87.3148% | 1,720 |
| Equity capital to assets | 12.3179% | 1,771 |
| Core capital (leverage) ratio | 12.4289% | 1,447 |
| Tier 1 risk-based capital ratio | 17.3828% | 2,043 |
| Total risk-based capital ratio | 18.3910% | 2,075 |
| Memoranda: | ||
| Average total assets | $32,852,750 | 5,514 |
| Average earning assets | $29,667,250 | 5,504 |
| Average equity | $3,955,500 | 5,485 |
| Average total loans | $21,761,500 | 5,314 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3188% | 321 |
| Cost of funding earning assets | 0.5670% | 1,666 |
| Net interest margin | 4.7518% | 354 |
| Noninterest income to average assets | 0.5362% | 2,787 |
| Noninterest expense to average assets | 4.0704% | 487 |
| Loan and lease loss provision to assets | -0.0061% | 5,534 |
| Net operating income to assets | 0.7081% | 3,808 |
| Return on assets (ROA) | 0.7251% | 3,807 |
| Pretax return on assets | 0.7800% | 4,342 |
| Return on Equity (ROE) | 6.0694% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.0694% | 2,074 |
| Net charge-offs to loans | -0.0279% | 4,926 |
| Credit loss provision to net charge-offs | 33.3333% | 2,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3434% | 815 |
| Assets per employee ($millions) | 3.2677% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 1,753 |
| Loan loss allowance to noncurrent loans | 98.7692% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.9946% | 1,761 |
| Noncurrent loans to loans | 1.4697% | 1,287 |
| Net loans and leases to total assets | 66.6891% | 3,006 |
| Net loans and leases to deposits | 76.8081% | 3,243 |
| Net loans and leases to core deposits | 89.0888% | 2,604 |
| Total domestic deposits to total assets | 86.8256% | 2,029 |
| Equity capital to assets | 12.3543% | 1,701 |
| Core capital (leverage) ratio | 12.4927% | 1,374 |
| Tier 1 risk-based capital ratio | 17.3092% | 2,062 |
| Total risk-based capital ratio | 18.5599% | 2,014 |
| Memoranda: | ||
| Average total assets | $32,822,330 | 5,561 |
| Average earning assets | $29,630,670 | 5,550 |
| Average equity | $3,921,330 | 5,532 |
| Average total loans | $21,494,000 | 5,366 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2971% | 323 |
| Cost of funding earning assets | 0.5555% | 1,681 |
| Net interest margin | 4.7417% | 350 |
| Noninterest income to average assets | 0.5472% | 2,676 |
| Noninterest expense to average assets | 4.2195% | 420 |
| Loan and lease loss provision to assets | -0.1946% | 5,790 |
| Net operating income to assets | 0.7296% | 3,561 |
| Return on assets (ROA) | 0.7296% | 3,611 |
| Pretax return on assets | 0.7782% | 4,192 |
| Return on Equity (ROE) | 6.2120% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.2120% | 2,229 |
| Net charge-offs to loans | -0.0378% | 5,043 |
| Credit loss provision to net charge-offs | 800.0000% | 390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8481% | 669 |
| Assets per employee ($millions) | 2.9657% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 1,994 |
| Loan loss allowance to noncurrent loans | 295.1456% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 3,930 |
| Noncurrent loans to loans | 0.4812% | 3,362 |
| Net loans and leases to total assets | 64.6844% | 3,168 |
| Net loans and leases to deposits | 73.7188% | 3,431 |
| Net loans and leases to core deposits | 81.6420% | 3,123 |
| Total domestic deposits to total assets | 87.7448% | 1,867 |
| Equity capital to assets | 11.9364% | 1,886 |
| Core capital (leverage) ratio | 12.1515% | 1,535 |
| Tier 1 risk-based capital ratio | 17.5294% | 2,025 |
| Total risk-based capital ratio | 18.7806% | 1,977 |
| Memoranda: | ||
| Average total assets | $32,895,000 | 5,622 |
| Average earning assets | $29,525,500 | 5,616 |
| Average equity | $3,863,500 | 5,599 |
| Average total loans | $21,184,500 | 5,430 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 453 |
| Cost of funding earning assets | 0.6032% | 1,306 |
| Net interest margin | 4.5473% | 558 |
| Noninterest income to average assets | 0.6011% | 2,656 |
| Noninterest expense to average assets | 3.9267% | 664 |
| Loan and lease loss provision to assets | 0.3295% | 541 |
| Net operating income to assets | 0.5156% | 4,571 |
| Return on assets (ROA) | 0.5614% | 4,483 |
| Pretax return on assets | 0.5309% | 4,965 |
| Return on Equity (ROE) | 4.6774% | 4,573 |
| Retained earnings to average equity (ytd only) | 2.2116% | 4,275 |
| Net charge-offs to loans | 0.1507% | 1,753 |
| Credit loss provision to net charge-offs | 348.3871% | 878 |
| Earnings coverage of net charge-offs (x) | 8.6129% | 2,853 |
| Efficiency ratio | 82.8185% | 1,111 |
| Assets per employee ($millions) | 3.3167% | 5,022 |
| Cash dividends to net income (ytd only)* | 52.7174% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 1,594 |
| Loan loss allowance to noncurrent loans | 58.7477% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.6372% | 963 |
| Noncurrent loans to loans | 2.5903% | 594 |
| Net loans and leases to total assets | 62.2426% | 3,578 |
| Net loans and leases to deposits | 70.8126% | 3,824 |
| Net loans and leases to core deposits | 78.3335% | 3,548 |
| Total domestic deposits to total assets | 87.8976% | 1,684 |
| Equity capital to assets | 11.5567% | 2,117 |
| Core capital (leverage) ratio | 11.9145% | 1,655 |
| Tier 1 risk-based capital ratio | 17.3130% | 2,057 |
| Total risk-based capital ratio | 18.5628% | 2,016 |
| Memoranda: | ||
| Average total assets | $32,775,200 | 5,680 |
| Average earning assets | $29,842,000 | 5,663 |
| Average equity | $3,933,800 | 5,651 |
| Average total loans | $20,577,200 | 5,503 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1228% | 476 |
| Cost of funding earning assets | 0.6087% | 1,266 |
| Net interest margin | 4.5141% | 609 |
| Noninterest income to average assets | 0.6079% | 2,621 |
| Noninterest expense to average assets | 3.9823% | 605 |
| Loan and lease loss provision to assets | 0.3305% | 495 |
| Net operating income to assets | 0.4407% | 4,901 |
| Return on assets (ROA) | 0.5019% | 4,789 |
| Pretax return on assets | 0.5019% | 5,116 |
| Return on Equity (ROE) | 4.1425% | 4,853 |
| Retained earnings to average equity (ytd only) | 4.1425% | 3,364 |
| Net charge-offs to loans | 0.2083% | 1,120 |
| Credit loss provision to net charge-offs | 253.1250% | 1,188 |
| Earnings coverage of net charge-offs (x) | 5.9056% | 3,065 |
| Efficiency ratio | 83.7768% | 1,011 |
| Assets per employee ($millions) | 3.2957% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 2,114 |
| Loan loss allowance to noncurrent loans | 230.1587% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3823% | 3,891 |
| Noncurrent loans to loans | 0.6166% | 3,167 |
| Net loans and leases to total assets | 61.1190% | 3,729 |
| Net loans and leases to deposits | 70.0967% | 3,976 |
| Net loans and leases to core deposits | 79.4752% | 3,501 |
| Total domestic deposits to total assets | 87.1924% | 1,807 |
| Equity capital to assets | 12.2887% | 1,903 |
| Core capital (leverage) ratio | 12.0447% | 1,645 |
| Tier 1 risk-based capital ratio | 17.8694% | 1,955 |
| Total risk-based capital ratio | 19.1219% | 1,921 |
| Memoranda: | ||
| Average total assets | $32,677,250 | 5,741 |
| Average earning assets | $30,008,750 | 5,719 |
| Average equity | $3,959,000 | 5,708 |
| Average total loans | $20,480,750 | 5,562 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0717% | 511 |
| Cost of funding earning assets | 0.6156% | 1,218 |
| Net interest margin | 4.4561% | 678 |
| Noninterest income to average assets | 0.6936% | 2,173 |
| Noninterest expense to average assets | 4.0449% | 560 |
| Loan and lease loss provision to assets | 0.3315% | 499 |
| Net operating income to assets | 0.4174% | 4,984 |
| Return on assets (ROA) | 0.4419% | 4,982 |
| Pretax return on assets | 0.4297% | 5,283 |
| Return on Equity (ROE) | 3.6654% | 5,030 |
| Retained earnings to average equity (ytd only) | 3.6654% | 3,559 |
| Net charge-offs to loans | 0.2342% | 1,006 |
| Credit loss provision to net charge-offs | 225.0000% | 1,197 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,901 |
| Efficiency ratio | 84.5956% | 998 |
| Assets per employee ($millions) | 3.2722% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 2,855 |
| Loan loss allowance to noncurrent loans | 55.9917% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 1.4791% | 1,304 |
| Noncurrent loans to loans | 2.3014% | 792 |
| Net loans and leases to total assets | 63.4436% | 3,442 |
| Net loans and leases to deposits | 72.7171% | 3,726 |
| Net loans and leases to core deposits | 84.7209% | 3,012 |
| Total domestic deposits to total assets | 87.2471% | 1,780 |
| Equity capital to assets | 12.2517% | 1,941 |
| Core capital (leverage) ratio | 11.8863% | 1,707 |
| Tier 1 risk-based capital ratio | 16.7930% | 2,311 |
| Total risk-based capital ratio | 17.9605% | 2,301 |
| Memoranda: | ||
| Average total assets | $32,584,000 | 5,810 |
| Average earning assets | $29,891,330 | 5,791 |
| Average equity | $3,928,670 | 5,777 |
| Average total loans | $20,496,670 | 5,618 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0731% | 513 |
| Cost of funding earning assets | 0.6039% | 1,308 |
| Net interest margin | 4.4691% | 648 |
| Noninterest income to average assets | 0.9596% | 1,163 |
| Noninterest expense to average assets | 4.3303% | 443 |
| Loan and lease loss provision to assets | 0.3322% | 455 |
| Net operating income to assets | 0.4183% | 4,935 |
| Return on assets (ROA) | 0.4183% | 5,012 |
| Pretax return on assets | 0.3937% | 5,322 |
| Return on Equity (ROE) | 3.4975% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.4975% | 3,747 |
| Net charge-offs to loans | -0.0395% | 5,203 |
| Credit loss provision to net charge-offs | -1,350.0000% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6448% | 1,007 |
| Assets per employee ($millions) | 3.2426% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 2,676 |
| Loan loss allowance to noncurrent loans | 191.4894% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 3,845 |
| Noncurrent loans to loans | 0.7031% | 3,088 |
| Net loans and leases to total assets | 61.0159% | 3,648 |
| Net loans and leases to deposits | 69.8031% | 3,874 |
| Net loans and leases to core deposits | 81.3595% | 3,193 |
| Total domestic deposits to total assets | 87.4113% | 1,984 |
| Equity capital to assets | 12.1538% | 1,914 |
| Core capital (leverage) ratio | 12.0155% | 1,591 |
| Tier 1 risk-based capital ratio | 17.4448% | 2,139 |
| Total risk-based capital ratio | 18.6663% | 2,115 |
| Memoranda: | ||
| Average total assets | $32,515,000 | 5,871 |
| Average earning assets | $29,804,500 | 5,853 |
| Average equity | $3,888,500 | 5,829 |
| Average total loans | $20,229,500 | 5,676 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2456% | 399 |
| Cost of funding earning assets | 0.6620% | 1,007 |
| Net interest margin | 4.5836% | 566 |
| Noninterest income to average assets | 0.4873% | 3,415 |
| Noninterest expense to average assets | 3.8709% | 787 |
| Loan and lease loss provision to assets | 0.1226% | 1,955 |
| Net operating income to assets | 0.6283% | 4,148 |
| Return on assets (ROA) | 0.6283% | 4,237 |
| Pretax return on assets | 0.6957% | 4,542 |
| Return on Equity (ROE) | 5.4708% | 4,302 |
| Retained earnings to average equity (ytd only) | 2.9889% | 3,936 |
| Net charge-offs to loans | 0.2657% | 1,137 |
| Credit loss provision to net charge-offs | 72.7273% | 3,079 |
| Earnings coverage of net charge-offs (x) | 4.8545% | 3,476 |
| Efficiency ratio | 82.5490% | 1,334 |
| Assets per employee ($millions) | 2.9640% | 5,556 |
| Cash dividends to net income (ytd only)* | 45.3659% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 3,585 |
| Loan loss allowance to noncurrent loans | 128.8770% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 3,377 |
| Noncurrent loans to loans | 0.9165% | 2,509 |
| Net loans and leases to total assets | 61.8421% | 3,584 |
| Net loans and leases to deposits | 70.6012% | 3,853 |
| Net loans and leases to core deposits | 80.4846% | 3,296 |
| Total domestic deposits to total assets | 87.5935% | 1,848 |
| Equity capital to assets | 11.7654% | 2,141 |
| Core capital (leverage) ratio | 11.6843% | 1,826 |
| Tier 1 risk-based capital ratio | 16.9334% | 2,304 |
| Total risk-based capital ratio | 18.0020% | 2,326 |
| Memoranda: | ||
| Average total assets | $32,628,400 | 5,919 |
| Average earning assets | $29,910,800 | 5,901 |
| Average equity | $3,747,200 | 5,896 |
| Average total loans | $20,703,200 | 5,693 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2757% | 387 |
| Cost of funding earning assets | 0.6734% | 966 |
| Net interest margin | 4.6024% | 538 |
| Noninterest income to average assets | 0.5066% | 3,320 |
| Noninterest expense to average assets | 3.8935% | 752 |
| Loan and lease loss provision to assets | 0.4045% | 293 |
| Net operating income to assets | 0.4494% | 4,972 |
| Return on assets (ROA) | 0.4494% | 5,059 |
| Pretax return on assets | 0.4249% | 5,410 |
| Return on Equity (ROE) | 3.9372% | 5,048 |
| Retained earnings to average equity (ytd only) | 3.9372% | 3,663 |
| Net charge-offs to loans | 0.1925% | 1,330 |
| Credit loss provision to net charge-offs | 330.0000% | 888 |
| Earnings coverage of net charge-offs (x) | 6.7665% | 3,007 |
| Efficiency ratio | 82.4394% | 1,335 |
| Assets per employee ($millions) | 2.9758% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 1,885 |
| Loan loss allowance to noncurrent loans | 146.3964% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.6782% | 3,216 |
| Noncurrent loans to loans | 1.0728% | 2,335 |
| Net loans and leases to total assets | 62.2258% | 3,573 |
| Net loans and leases to deposits | 70.6644% | 3,912 |
| Net loans and leases to core deposits | 78.8457% | 3,524 |
| Total domestic deposits to total assets | 88.0583% | 1,523 |
| Equity capital to assets | 11.6973% | 2,353 |
| Core capital (leverage) ratio | 11.6038% | 1,954 |
| Tier 1 risk-based capital ratio | 16.7428% | 2,461 |
| Total risk-based capital ratio | 17.9942% | 2,417 |
| Memoranda: | ||
| Average total assets | $32,634,500 | 5,999 |
| Average earning assets | $29,897,000 | 5,979 |
| Average equity | $3,725,000 | 5,981 |
| Average total loans | $20,778,000 | 5,755 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2651% | 384 |
| Cost of funding earning assets | 0.6640% | 1,030 |
| Net interest margin | 4.6011% | 531 |
| Noninterest income to average assets | 0.5092% | 3,315 |
| Noninterest expense to average assets | 3.9937% | 676 |
| Loan and lease loss provision to assets | 0.4049% | 284 |
| Net operating income to assets | 0.3804% | 5,203 |
| Return on assets (ROA) | 0.3804% | 5,318 |
| Pretax return on assets | 0.3190% | 5,625 |
| Return on Equity (ROE) | 3.3601% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.3601% | 3,905 |
| Net charge-offs to loans | 0.1923% | 1,307 |
| Credit loss provision to net charge-offs | 330.0000% | 870 |
| Earnings coverage of net charge-offs (x) | 5.9000% | 2,864 |
| Efficiency ratio | 84.6554% | 1,197 |
| Assets per employee ($millions) | 2.9657% | 5,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 2,447 |
| Loan loss allowance to noncurrent loans | 133.0396% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.6958% | 3,310 |
| Noncurrent loans to loans | 1.0992% | 2,456 |
| Net loans and leases to total assets | 62.3793% | 3,496 |
| Net loans and leases to deposits | 73.1357% | 3,602 |
| Net loans and leases to core deposits | 81.8913% | 3,189 |
| Total domestic deposits to total assets | 85.2926% | 3,011 |
| Equity capital to assets | 11.3999% | 2,496 |
| Core capital (leverage) ratio | 11.3698% | 2,101 |
| Tier 1 risk-based capital ratio | 16.3643% | 2,676 |
| Total risk-based capital ratio | 17.6130% | 2,638 |
| Memoranda: | ||
| Average total assets | $32,601,330 | 6,068 |
| Average earning assets | $29,819,000 | 6,045 |
| Average equity | $3,690,330 | 6,046 |
| Average total loans | $20,806,000 | 5,816 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3274% | 338 |
| Cost of funding earning assets | 0.6693% | 1,003 |
| Net interest margin | 4.6581% | 447 |
| Noninterest income to average assets | 0.4787% | 3,439 |
| Noninterest expense to average assets | 3.9643% | 724 |
| Loan and lease loss provision to assets | 0.4050% | 279 |
| Net operating income to assets | 0.4173% | 5,011 |
| Return on assets (ROA) | 0.4173% | 5,128 |
| Pretax return on assets | 0.3805% | 5,465 |
| Return on Equity (ROE) | 3.6997% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.6997% | 3,791 |
| Net charge-offs to loans | 0.1341% | 1,447 |
| Credit loss provision to net charge-offs | 471.4286% | 578 |
| Earnings coverage of net charge-offs (x) | 9.1429% | 2,027 |
| Efficiency ratio | 83.4625% | 1,435 |
| Assets per employee ($millions) | 2.9705% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 3,157 |
| Loan loss allowance to noncurrent loans | 116.0494% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.7437% | 3,255 |
| Noncurrent loans to loans | 1.1605% | 2,446 |
| Net loans and leases to total assets | 63.2226% | 3,203 |
| Net loans and leases to deposits | 74.1626% | 3,288 |
| Net loans and leases to core deposits | 83.8699% | 2,786 |
| Total domestic deposits to total assets | 85.2487% | 3,284 |
| Equity capital to assets | 11.3910% | 2,565 |
| Core capital (leverage) ratio | 11.4667% | 2,026 |
| Tier 1 risk-based capital ratio | 16.1623% | 2,838 |
| Total risk-based capital ratio | 17.3797% | 2,797 |
| Memoranda: | ||
| Average total assets | $32,590,500 | 6,131 |
| Average earning assets | $29,883,500 | 6,109 |
| Average equity | $3,676,000 | 6,107 |
| Average total loans | $20,883,000 | 5,857 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1687% | 552 |
| Cost of funding earning assets | 0.7533% | 834 |
| Net interest margin | 4.4154% | 865 |
| Noninterest income to average assets | 0.5025% | 3,485 |
| Noninterest expense to average assets | 3.9789% | 770 |
| Loan and lease loss provision to assets | 0.2054% | 1,220 |
| Net operating income to assets | 0.3476% | 5,382 |
| Return on assets (ROA) | 0.3476% | 5,451 |
| Pretax return on assets | 0.3192% | 5,664 |
| Return on Equity (ROE) | 3.1066% | 5,436 |
| Retained earnings to average equity (ytd only) | 0.6213% | 5,486 |
| Net charge-offs to loans | 0.4435% | 947 |
| Credit loss provision to net charge-offs | 78.3133% | 2,899 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,276 |
| Efficiency ratio | 88.3509% | 962 |
| Assets per employee ($millions) | 2.9551% | 5,757 |
| Cash dividends to net income (ytd only)* | 80.0000% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 3,833 |
| Loan loss allowance to noncurrent loans | 101.5873% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7752% | 3,275 |
| Noncurrent loans to loans | 1.2100% | 2,426 |
| Net loans and leases to total assets | 63.2806% | 3,320 |
| Net loans and leases to deposits | 74.1769% | 3,413 |
| Net loans and leases to core deposits | 82.1584% | 3,089 |
| Total domestic deposits to total assets | 85.3104% | 3,160 |
| Equity capital to assets | 11.1672% | 2,732 |
| Core capital (leverage) ratio | 11.4456% | 2,021 |
| Tier 1 risk-based capital ratio | 16.0966% | 2,917 |
| Total risk-based capital ratio | 17.2106% | 2,930 |
| Memoranda: | ||
| Average total assets | $31,641,800 | 6,222 |
| Average earning assets | $28,672,400 | 6,209 |
| Average equity | $3,540,800 | 6,172 |
| Average total loans | $18,715,200 | 6,009 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1132% | 625 |
| Cost of funding earning assets | 0.7693% | 800 |
| Net interest margin | 4.3439% | 967 |
| Noninterest income to average assets | 0.5219% | 3,395 |
| Noninterest expense to average assets | 4.0560% | 715 |
| Loan and lease loss provision to assets | 0.2970% | 665 |
| Net operating income to assets | 0.1909% | 5,867 |
| Return on assets (ROA) | 0.1909% | 5,914 |
| Pretax return on assets | 0.0976% | 6,060 |
| Return on Equity (ROE) | 1.7053% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.7053% | 5,194 |
| Net charge-offs to loans | 0.2419% | 1,593 |
| Credit loss provision to net charge-offs | 212.1212% | 1,214 |
| Earnings coverage of net charge-offs (x) | 2.8182% | 3,816 |
| Efficiency ratio | 91.1344% | 764 |
| Assets per employee ($millions) | 2.6143% | 6,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6518% | 2,131 |
| Loan loss allowance to noncurrent loans | 116.9173% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 3,295 |
| Noncurrent loans to loans | 1.4128% | 2,302 |
| Net loans and leases to total assets | 59.0240% | 3,928 |
| Net loans and leases to deposits | 69.2664% | 3,996 |
| Net loans and leases to core deposits | 76.9778% | 3,640 |
| Total domestic deposits to total assets | 85.2129% | 3,257 |
| Equity capital to assets | 11.5166% | 2,466 |
| Core capital (leverage) ratio | 11.9305% | 1,737 |
| Tier 1 risk-based capital ratio | 17.1025% | 2,574 |
| Total risk-based capital ratio | 18.3573% | 2,527 |
| Memoranda: | ||
| Average total assets | $31,425,750 | 6,300 |
| Average earning assets | $28,422,250 | 6,288 |
| Average equity | $3,518,500 | 6,246 |
| Average total loans | $18,187,500 | 6,102 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0472% | 688 |
| Cost of funding earning assets | 0.7754% | 804 |
| Net interest margin | 4.2718% | 1,089 |
| Noninterest income to average assets | 0.5534% | 3,095 |
| Noninterest expense to average assets | 4.0899% | 686 |
| Loan and lease loss provision to assets | 0.1590% | 1,566 |
| Net operating income to assets | 0.1399% | 5,970 |
| Return on assets (ROA) | 0.1399% | 6,007 |
| Pretax return on assets | 0.1590% | 6,009 |
| Return on Equity (ROE) | 1.2618% | 6,003 |
| Retained earnings to average equity (ytd only) | 1.2618% | 5,248 |
| Net charge-offs to loans | 0.4006% | 1,013 |
| Credit loss provision to net charge-offs | 69.4444% | 2,481 |
| Earnings coverage of net charge-offs (x) | 1.3889% | 3,814 |
| Efficiency ratio | 92.7850% | 717 |
| Assets per employee ($millions) | 2.6107% | 6,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 3,081 |
| Loan loss allowance to noncurrent loans | 116.3717% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.7214% | 3,817 |
| Noncurrent loans to loans | 1.2533% | 2,718 |
| Net loans and leases to total assets | 56.7192% | 4,154 |
| Net loans and leases to deposits | 66.5880% | 4,207 |
| Net loans and leases to core deposits | 73.4226% | 3,894 |
| Total domestic deposits to total assets | 85.1794% | 3,415 |
| Equity capital to assets | 11.4275% | 2,490 |
| Core capital (leverage) ratio | 11.6456% | 1,886 |
| Tier 1 risk-based capital ratio | 17.4514% | 2,435 |
| Total risk-based capital ratio | 18.6922% | 2,412 |
| Memoranda: | ||
| Average total assets | $31,443,670 | 6,360 |
| Average earning assets | $28,372,330 | 6,346 |
| Average equity | $3,487,000 | 6,294 |
| Average total loans | $17,974,000 | 6,160 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1275% | 565 |
| Cost of funding earning assets | 0.8007% | 744 |
| Net interest margin | 4.3268% | 949 |
| Noninterest income to average assets | 0.5587% | 2,993 |
| Noninterest expense to average assets | 4.1776% | 617 |
| Loan and lease loss provision to assets | 0.1270% | 1,917 |
| Net operating income to assets | 0.1270% | 5,975 |
| Return on assets (ROA) | 0.1270% | 6,008 |
| Pretax return on assets | 0.1651% | 5,984 |
| Return on Equity (ROE) | 1.1626% | 5,998 |
| Retained earnings to average equity (ytd only) | 1.1626% | 5,137 |
| Net charge-offs to loans | 0.1337% | 1,907 |
| Credit loss provision to net charge-offs | 166.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | 3.8333% | 2,620 |
| Efficiency ratio | 93.4659% | 784 |
| Assets per employee ($millions) | 2.4576% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5243% | 3,044 |
| Loan loss allowance to noncurrent loans | 102.9630% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.8451% | 3,615 |
| Noncurrent loans to loans | 1.4804% | 2,570 |
| Net loans and leases to total assets | 56.2146% | 4,125 |
| Net loans and leases to deposits | 65.5403% | 4,142 |
| Net loans and leases to core deposits | 73.1598% | 3,746 |
| Total domestic deposits to total assets | 85.7711% | 3,487 |
| Equity capital to assets | 10.9424% | 2,773 |
| Core capital (leverage) ratio | 11.8538% | 1,733 |
| Tier 1 risk-based capital ratio | 17.0065% | 2,688 |
| Total risk-based capital ratio | 18.1042% | 2,714 |
| Memoranda: | ||
| Average total assets | $31,501,500 | 6,425 |
| Average earning assets | $28,474,000 | 6,408 |
| Average equity | $3,440,500 | 6,352 |
| Average total loans | $17,945,000 | 6,221 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 1,139 |
| Cost of funding earning assets | 0.8962% | 751 |
| Net interest margin | 3.9808% | 2,003 |
| Noninterest income to average assets | 0.5513% | 3,395 |
| Noninterest expense to average assets | 3.8593% | 1,044 |
| Loan and lease loss provision to assets | 0.1077% | 2,998 |
| Net operating income to assets | 0.2820% | 5,586 |
| Return on assets (ROA) | 0.2820% | 5,677 |
| Pretax return on assets | 0.2155% | 5,910 |
| Return on Equity (ROE) | 2.5330% | 5,665 |
| Retained earnings to average equity (ytd only) | 0.0285% | 5,841 |
| Net charge-offs to loans | 0.3673% | 1,846 |
| Credit loss provision to net charge-offs | 53.1250% | 3,749 |
| Earnings coverage of net charge-offs (x) | 1.5938% | 4,526 |
| Efficiency ratio | 92.2727% | 859 |
| Assets per employee ($millions) | 3.1054% | 5,663 |
| Cash dividends to net income (ytd only)* | 98.8764% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 2,954 |
| Loan loss allowance to noncurrent loans | 95.8042% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9210% | 3,599 |
| Noncurrent loans to loans | 1.6202% | 2,474 |
| Net loans and leases to total assets | 55.9606% | 4,322 |
| Net loans and leases to deposits | 63.1812% | 4,592 |
| Net loans and leases to core deposits | 70.5133% | 4,243 |
| Total domestic deposits to total assets | 88.5715% | 1,874 |
| Equity capital to assets | 10.9004% | 2,704 |
| Core capital (leverage) ratio | 11.8974% | 1,679 |
| Tier 1 risk-based capital ratio | 17.6296% | 2,370 |
| Total risk-based capital ratio | 18.8810% | 2,346 |
| Memoranda: | ||
| Average total assets | $31,560,000 | 6,492 |
| Average earning assets | $28,788,200 | 6,471 |
| Average equity | $3,513,600 | 6,429 |
| Average total loans | $17,426,000 | 6,301 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8707% | 1,187 |
| Cost of funding earning assets | 0.9161% | 753 |
| Net interest margin | 3.9545% | 2,099 |
| Noninterest income to average assets | 0.5470% | 3,483 |
| Noninterest expense to average assets | 3.7702% | 1,122 |
| Loan and lease loss provision to assets | 0.1220% | 2,766 |
| Net operating income to assets | 0.3198% | 5,545 |
| Return on assets (ROA) | 0.3198% | 5,658 |
| Pretax return on assets | 0.2693% | 5,937 |
| Return on Equity (ROE) | 2.8578% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.8578% | 4,615 |
| Net charge-offs to loans | 0.4836% | 1,325 |
| Credit loss provision to net charge-offs | 46.0317% | 3,595 |
| Earnings coverage of net charge-offs (x) | 1.4762% | 4,345 |
| Efficiency ratio | 90.5966% | 948 |
| Assets per employee ($millions) | 3.1213% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 3,245 |
| Loan loss allowance to noncurrent loans | 118.9427% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 4,287 |
| Noncurrent loans to loans | 1.3002% | 3,233 |
| Net loans and leases to total assets | 55.0700% | 4,447 |
| Net loans and leases to deposits | 61.9714% | 4,769 |
| Net loans and leases to core deposits | 69.0932% | 4,423 |
| Total domestic deposits to total assets | 88.8636% | 1,637 |
| Equity capital to assets | 10.9602% | 2,794 |
| Core capital (leverage) ratio | 12.0079% | 1,666 |
| Tier 1 risk-based capital ratio | 18.0845% | 2,292 |
| Total risk-based capital ratio | 19.3811% | 2,238 |
| Memoranda: | ||
| Average total assets | $31,686,500 | 6,565 |
| Average earning assets | $28,961,750 | 6,541 |
| Average equity | $3,545,750 | 6,502 |
| Average total loans | $17,369,500 | 6,371 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7832% | 1,367 |
| Cost of funding earning assets | 0.9293% | 777 |
| Net interest margin | 3.8539% | 2,363 |
| Noninterest income to average assets | 0.5150% | 3,738 |
| Noninterest expense to average assets | 3.6364% | 1,357 |
| Loan and lease loss provision to assets | 0.1130% | 2,926 |
| Net operating income to assets | 0.2952% | 5,617 |
| Return on assets (ROA) | 0.2952% | 5,764 |
| Pretax return on assets | 0.3077% | 5,859 |
| Return on Equity (ROE) | 2.6203% | 5,748 |
| Retained earnings to average equity (ytd only) | 2.6203% | 4,643 |
| Net charge-offs to loans | 0.2192% | 2,432 |
| Credit loss provision to net charge-offs | 94.7368% | 2,339 |
| Earnings coverage of net charge-offs (x) | 3.5263% | 3,370 |
| Efficiency ratio | 89.6285% | 1,074 |
| Assets per employee ($millions) | 3.1589% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7484% | 2,601 |
| Loan loss allowance to noncurrent loans | 87.3199% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.0985% | 3,530 |
| Noncurrent loans to loans | 2.0023% | 2,402 |
| Net loans and leases to total assets | 53.9017% | 4,602 |
| Net loans and leases to deposits | 60.6526% | 4,900 |
| Net loans and leases to core deposits | 67.5246% | 4,548 |
| Total domestic deposits to total assets | 88.8695% | 1,700 |
| Equity capital to assets | 10.8930% | 2,857 |
| Core capital (leverage) ratio | 11.6668% | 1,821 |
| Tier 1 risk-based capital ratio | 18.1424% | 2,272 |
| Total risk-based capital ratio | 19.4386% | 2,213 |
| Memoranda: | ||
| Average total assets | $31,844,330 | 6,608 |
| Average earning assets | $29,269,330 | 6,579 |
| Average equity | $3,587,330 | 6,544 |
| Average total loans | $17,339,670 | 6,410 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 1,372 |
| Cost of funding earning assets | 0.9257% | 873 |
| Net interest margin | 3.8371% | 2,327 |
| Noninterest income to average assets | 0.4754% | 3,954 |
| Noninterest expense to average assets | 3.5656% | 1,482 |
| Loan and lease loss provision to assets | 0.1501% | 2,366 |
| Net operating income to assets | 0.3253% | 5,469 |
| Return on assets (ROA) | 0.3253% | 5,599 |
| Pretax return on assets | 0.3378% | 5,754 |
| Return on Equity (ROE) | 2.8411% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.8411% | 4,576 |
| Net charge-offs to loans | 0.3690% | 1,536 |
| Credit loss provision to net charge-offs | 75.0000% | 2,223 |
| Earnings coverage of net charge-offs (x) | 2.4375% | 3,032 |
| Efficiency ratio | 87.9630% | 1,334 |
| Assets per employee ($millions) | 3.1822% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 2,967 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.1313% | 3,678 |
| Noncurrent loans to loans | 2.0513% | 2,564 |
| Net loans and leases to total assets | 54.2078% | 4,375 |
| Net loans and leases to deposits | 61.3442% | 4,639 |
| Net loans and leases to core deposits | 68.2709% | 4,267 |
| Total domestic deposits to total assets | 88.3665% | 2,090 |
| Equity capital to assets | 11.4952% | 2,416 |
| Core capital (leverage) ratio | 11.5814% | 1,825 |
| Tier 1 risk-based capital ratio | 18.6086% | 2,154 |
| Total risk-based capital ratio | 19.9055% | 2,109 |
| Memoranda: | ||
| Average total assets | $31,972,000 | 6,667 |
| Average earning assets | $29,814,000 | 6,625 |
| Average equity | $3,660,500 | 6,597 |
| Average total loans | $17,344,500 | 6,472 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8835% | 1,893 |
| Cost of funding earning assets | 1.0256% | 1,225 |
| Net interest margin | 3.8579% | 2,994 |
| Noninterest income to average assets | 0.5611% | 3,505 |
| Noninterest expense to average assets | 3.5276% | 1,762 |
| Loan and lease loss provision to assets | 0.4774% | 1,288 |
| Net operating income to assets | 0.0828% | 6,039 |
| Return on assets (ROA) | 0.3286% | 5,581 |
| Pretax return on assets | 0.5022% | 5,272 |
| Return on Equity (ROE) | 2.8481% | 5,613 |
| Retained earnings to average equity (ytd only) | 0.4836% | 5,609 |
| Net charge-offs to loans | 0.5878% | 1,968 |
| Credit loss provision to net charge-offs | 152.4752% | 1,782 |
| Earnings coverage of net charge-offs (x) | 1.9208% | 4,460 |
| Efficiency ratio | 85.4354% | 1,477 |
| Assets per employee ($millions) | 3.2122% | 5,595 |
| Cash dividends to net income (ytd only)* | 83.0189% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7737% | 2,672 |
| Loan loss allowance to noncurrent loans | 64.9573% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.4569% | 3,195 |
| Noncurrent loans to loans | 2.7306% | 1,939 |
| Net loans and leases to total assets | 52.4096% | 4,864 |
| Net loans and leases to deposits | 59.4330% | 5,085 |
| Net loans and leases to core deposits | 65.5288% | 4,788 |
| Total domestic deposits to total assets | 88.1826% | 2,105 |
| Equity capital to assets | 11.4034% | 2,534 |
| Core capital (leverage) ratio | 11.3076% | 2,011 |
| Tier 1 risk-based capital ratio | 18.7963% | 2,012 |
| Total risk-based capital ratio | 20.1002% | 1,969 |
| Memoranda: | ||
| Average total assets | $32,259,600 | 6,700 |
| Average earning assets | $29,835,200 | 6,667 |
| Average equity | $3,721,800 | 6,629 |
| Average total loans | $17,183,400 | 6,544 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9348% | 1,883 |
| Cost of funding earning assets | 1.0424% | 1,322 |
| Net interest margin | 3.8924% | 2,938 |
| Noninterest income to average assets | 0.5698% | 3,471 |
| Noninterest expense to average assets | 3.4061% | 1,986 |
| Loan and lease loss provision to assets | 0.1734% | 3,399 |
| Net operating income to assets | 0.4042% | 5,230 |
| Return on assets (ROA) | 0.7308% | 4,017 |
| Pretax return on assets | 1.0486% | 3,538 |
| Return on Equity (ROE) | 6.3158% | 4,164 |
| Retained earnings to average equity (ytd only) | 6.3158% | 2,474 |
| Net charge-offs to loans | 0.2636% | 3,140 |
| Credit loss provision to net charge-offs | 123.5294% | 2,340 |
| Earnings coverage of net charge-offs (x) | 5.3825% | 3,041 |
| Efficiency ratio | 81.8452% | 1,826 |
| Assets per employee ($millions) | 4.0830% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 4,215 |
| Loan loss allowance to noncurrent loans | 66.7526% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.1879% | 3,912 |
| Noncurrent loans to loans | 2.1505% | 2,674 |
| Net loans and leases to total assets | 54.4422% | 4,680 |
| Net loans and leases to deposits | 61.8905% | 4,980 |
| Net loans and leases to core deposits | 66.8358% | 4,862 |
| Total domestic deposits to total assets | 87.9653% | 2,061 |
| Equity capital to assets | 11.7591% | 2,474 |
| Core capital (leverage) ratio | 11.7761% | 1,786 |
| Tier 1 risk-based capital ratio | 19.1129% | 1,976 |
| Total risk-based capital ratio | 20.4037% | 1,934 |
| Memoranda: | ||
| Average total assets | $32,294,000 | 6,786 |
| Average earning assets | $29,801,250 | 6,755 |
| Average equity | $3,736,500 | 6,709 |
| Average total loans | $17,194,500 | 6,631 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9727% | 1,865 |
| Cost of funding earning assets | 1.0579% | 1,421 |
| Net interest margin | 3.9148% | 2,845 |
| Noninterest income to average assets | 0.5906% | 3,314 |
| Noninterest expense to average assets | 3.5001% | 1,787 |
| Loan and lease loss provision to assets | 0.1679% | 3,427 |
| Net operating income to assets | 0.4117% | 5,174 |
| Return on assets (ROA) | 0.9014% | 3,170 |
| Pretax return on assets | 1.1625% | 3,071 |
| Return on Equity (ROE) | 7.8343% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.8343% | 1,706 |
| Net charge-offs to loans | 0.2838% | 2,901 |
| Credit loss provision to net charge-offs | 112.5000% | 2,422 |
| Earnings coverage of net charge-offs (x) | 4.7083% | 3,008 |
| Efficiency ratio | 83.2840% | 1,711 |
| Assets per employee ($millions) | 3.6371% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 4,221 |
| Loan loss allowance to noncurrent loans | 59.4848% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 1.3045% | 3,816 |
| Noncurrent loans to loans | 2.4490% | 2,452 |
| Net loans and leases to total assets | 52.4898% | 5,036 |
| Net loans and leases to deposits | 59.3363% | 5,304 |
| Net loans and leases to core deposits | 64.0069% | 5,207 |
| Total domestic deposits to total assets | 88.4615% | 1,847 |
| Equity capital to assets | 11.4163% | 2,675 |
| Core capital (leverage) ratio | 11.8183% | 1,709 |
| Tier 1 risk-based capital ratio | 19.5618% | 1,830 |
| Total risk-based capital ratio | 20.8631% | 1,781 |
| Memoranda: | ||
| Average total assets | $32,170,670 | 6,840 |
| Average earning assets | $29,682,000 | 6,804 |
| Average equity | $3,701,670 | 6,758 |
| Average total loans | $16,912,000 | 6,695 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 2,036 |
| Cost of funding earning assets | 1.0900% | 1,455 |
| Net interest margin | 3.8695% | 3,055 |
| Noninterest income to average assets | 0.7526% | 2,383 |
| Noninterest expense to average assets | 3.4871% | 1,788 |
| Loan and lease loss provision to assets | 0.2007% | 2,933 |
| Net operating income to assets | 0.5977% | 4,349 |
| Return on assets (ROA) | 1.4676% | 1,218 |
| Pretax return on assets | 1.5429% | 1,763 |
| Return on Equity (ROE) | 12.7036% | 1,490 |
| Retained earnings to average equity (ytd only) | 12.7036% | 728 |
| Net charge-offs to loans | 0.2883% | 2,519 |
| Credit loss provision to net charge-offs | 133.3333% | 1,827 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,357 |
| Efficiency ratio | 80.8140% | 2,106 |
| Assets per employee ($millions) | 3.5996% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5367% | 4,001 |
| Loan loss allowance to noncurrent loans | 90.1060% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 4,776 |
| Noncurrent loans to loans | 1.7054% | 3,555 |
| Net loans and leases to total assets | 50.4352% | 5,248 |
| Net loans and leases to deposits | 58.5816% | 5,313 |
| Net loans and leases to core deposits | 63.3589% | 5,188 |
| Total domestic deposits to total assets | 86.0940% | 3,472 |
| Equity capital to assets | 11.3965% | 2,530 |
| Core capital (leverage) ratio | 11.8707% | 1,662 |
| Tier 1 risk-based capital ratio | 20.5007% | 1,589 |
| Total risk-based capital ratio | 21.7498% | 1,564 |
| Memoranda: | ||
| Average total assets | $31,889,000 | 6,903 |
| Average earning assets | $29,357,500 | 6,870 |
| Average equity | $3,684,000 | 6,804 |
| Average total loans | $16,650,000 | 6,763 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3727% | 1,489 |
| Cost of funding earning assets | 1.2047% | 1,998 |
| Net interest margin | 4.1680% | 2,167 |
| Noninterest income to average assets | 0.6443% | 2,921 |
| Noninterest expense to average assets | 3.6819% | 1,569 |
| Loan and lease loss provision to assets | 0.2868% | 3,367 |
| Net operating income to assets | 0.3908% | 4,910 |
| Return on assets (ROA) | 0.7080% | 3,633 |
| Pretax return on assets | 0.8815% | 3,670 |
| Return on Equity (ROE) | 7.7369% | 3,037 |
| Retained earnings to average equity (ytd only) | 6.2669% | 1,869 |
| Net charge-offs to loans | 0.1701% | 4,798 |
| Credit loss provision to net charge-offs | 289.2857% | 819 |
| Earnings coverage of net charge-offs (x) | 7.7857% | 2,265 |
| Efficiency ratio | 82.6709% | 1,928 |
| Assets per employee ($millions) | 3.4869% | 5,045 |
| Cash dividends to net income (ytd only)* | 19.0000% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 4,013 |
| Loan loss allowance to noncurrent loans | 93.3086% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8572% | 4,910 |
| Noncurrent loans to loans | 1.6102% | 3,743 |
| Net loans and leases to total assets | 52.4345% | 5,245 |
| Net loans and leases to deposits | 59.5980% | 5,535 |
| Net loans and leases to core deposits | 64.4763% | 5,420 |
| Total domestic deposits to total assets | 87.9804% | 2,175 |
| Equity capital to assets | 11.7137% | 2,329 |
| Core capital (leverage) ratio | 11.8455% | 1,690 |
| Tier 1 risk-based capital ratio | 20.0835% | 1,623 |
| Total risk-based capital ratio | 21.3352% | 1,589 |
| Memoranda: | ||
| Average total assets | $28,246,600 | 7,019 |
| Average earning assets | $25,815,600 | 6,993 |
| Average equity | $2,585,000 | 7,101 |
| Average total loans | $16,463,600 | 6,824 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5106% | 1,225 |
| Cost of funding earning assets | 1.2352% | 2,088 |
| Net interest margin | 4.2754% | 1,805 |
| Noninterest income to average assets | 0.6748% | 2,742 |
| Noninterest expense to average assets | 3.6703% | 1,566 |
| Loan and lease loss provision to assets | 0.1991% | 4,035 |
| Net operating income to assets | 0.5802% | 4,177 |
| Return on assets (ROA) | 0.8788% | 2,972 |
| Pretax return on assets | 1.0681% | 3,138 |
| Return on Equity (ROE) | 10.4370% | 2,058 |
| Retained earnings to average equity (ytd only) | 10.4370% | 740 |
| Net charge-offs to loans | 0.0813% | 5,161 |
| Credit loss provision to net charge-offs | 410.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 18.6039% | 1,297 |
| Efficiency ratio | 80.2548% | 2,222 |
| Assets per employee ($millions) | 3.4073% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 4,937 |
| Loan loss allowance to noncurrent loans | 87.7395% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.8511% | 5,051 |
| Noncurrent loans to loans | 1.4991% | 4,042 |
| Net loans and leases to total assets | 56.0295% | 4,836 |
| Net loans and leases to deposits | 64.5164% | 5,104 |
| Net loans and leases to core deposits | 67.8032% | 5,197 |
| Total domestic deposits to total assets | 86.8454% | 2,748 |
| Equity capital to assets | 12.1731% | 2,125 |
| Core capital (leverage) ratio | 12.5666% | 1,405 |
| Tier 1 risk-based capital ratio | 19.5565% | 1,799 |
| Total risk-based capital ratio | 20.7742% | 1,779 |
| Memoranda: | ||
| Average total assets | $27,462,750 | 7,109 |
| Average earning assets | $25,042,000 | 7,082 |
| Average equity | $2,312,250 | 7,236 |
| Average total loans | $16,403,000 | 6,896 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5372% | 1,213 |
| Cost of funding earning assets | 1.2611% | 2,178 |
| Net interest margin | 4.2761% | 1,746 |
| Noninterest income to average assets | 0.6971% | 2,571 |
| Noninterest expense to average assets | 3.7280% | 1,478 |
| Loan and lease loss provision to assets | 0.1515% | 4,415 |
| Net operating income to assets | 0.5159% | 4,433 |
| Return on assets (ROA) | 0.5607% | 4,385 |
| Pretax return on assets | 0.7577% | 4,182 |
| Return on Equity (ROE) | 8.0493% | 2,929 |
| Retained earnings to average equity (ytd only) | 8.0493% | 1,447 |
| Net charge-offs to loans | 0.0498% | 5,156 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 975 |
| Efficiency ratio | 81.4570% | 2,178 |
| Assets per employee ($millions) | 3.0488% | 5,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 5,044 |
| Loan loss allowance to noncurrent loans | 69.0323% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.1298% | 4,632 |
| Noncurrent loans to loans | 1.8896% | 3,620 |
| Net loans and leases to total assets | 59.0109% | 4,468 |
| Net loans and leases to deposits | 63.6128% | 5,326 |
| Net loans and leases to core deposits | 64.3306% | 5,690 |
| Total domestic deposits to total assets | 92.7658% | 141 |
| Equity capital to assets | 7.0338% | 7,091 |
| Core capital (leverage) ratio | 7.1591% | 6,937 |
| Tier 1 risk-based capital ratio | 11.1659% | 6,403 |
| Total risk-based capital ratio | 12.4079% | 6,406 |
| Memoranda: | ||
| Average total assets | $26,395,000 | 7,200 |
| Average earning assets | $23,947,000 | 7,178 |
| Average equity | $1,838,670 | 7,377 |
| Average total loans | $16,067,000 | 6,977 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5300% | 1,219 |
| Cost of funding earning assets | 1.2971% | 2,192 |
| Net interest margin | 4.2328% | 1,799 |
| Noninterest income to average assets | 0.6802% | 2,678 |
| Noninterest expense to average assets | 3.7104% | 1,512 |
| Loan and lease loss provision to assets | 0.1237% | 4,452 |
| Net operating income to assets | 0.4793% | 4,578 |
| Return on assets (ROA) | 0.4793% | 4,659 |
| Pretax return on assets | 0.6802% | 4,383 |
| Return on Equity (ROE) | 6.9158% | 3,427 |
| Retained earnings to average equity (ytd only) | 6.9158% | 2,184 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1918% | 2,195 |
| Assets per employee ($millions) | 2.9240% | 6,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 5,180 |
| Loan loss allowance to noncurrent loans | 45.2747% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 1.7290% | 3,662 |
| Noncurrent loans to loans | 2.8511% | 2,645 |
| Net loans and leases to total assets | 59.8609% | 4,292 |
| Net loans and leases to deposits | 65.0574% | 5,122 |
| Net loans and leases to core deposits | 65.8240% | 5,529 |
| Total domestic deposits to total assets | 92.0125% | 282 |
| Equity capital to assets | 7.0071% | 7,080 |
| Core capital (leverage) ratio | 7.3023% | 6,856 |
| Tier 1 risk-based capital ratio | 11.3375% | 6,222 |
| Total risk-based capital ratio | 12.5791% | 6,213 |
| Memoranda: | ||
| Average total assets | $25,873,000 | 7,268 |
| Average earning assets | $23,436,000 | 7,250 |
| Average equity | $1,793,000 | 7,435 |
| Average total loans | $15,897,500 | 7,039 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5463% | 2,097 |
| Cost of funding earning assets | 1.4683% | 2,831 |
| Net interest margin | 4.0780% | 2,669 |
| Noninterest income to average assets | 0.6996% | 2,845 |
| Noninterest expense to average assets | 3.8029% | 1,480 |
| Loan and lease loss provision to assets | 0.3244% | 4,218 |
| Net operating income to assets | 0.2254% | 5,196 |
| Return on assets (ROA) | 0.4573% | 4,448 |
| Pretax return on assets | 0.6644% | 4,113 |
| Return on Equity (ROE) | 6.5174% | 3,336 |
| Retained earnings to average equity (ytd only) | 5.4033% | 2,172 |
| Net charge-offs to loans | 0.2751% | 4,646 |
| Credit loss provision to net charge-offs | 193.0233% | 1,649 |
| Earnings coverage of net charge-offs (x) | 3.8837% | 3,148 |
| Efficiency ratio | 85.3509% | 1,766 |
| Assets per employee ($millions) | 2.8256% | 6,482 |
| Cash dividends to net income (ytd only)* | 17.0940% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 5,260 |
| Loan loss allowance to noncurrent loans | 64.9180% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.1994% | 4,624 |
| Noncurrent loans to loans | 1.9260% | 3,659 |
| Net loans and leases to total assets | 61.4943% | 4,395 |
| Net loans and leases to deposits | 66.5815% | 5,324 |
| Net loans and leases to core deposits | 67.3848% | 5,732 |
| Total domestic deposits to total assets | 92.3594% | 210 |
| Equity capital to assets | 6.8502% | 7,159 |
| Core capital (leverage) ratio | 7.2049% | 6,906 |
| Tier 1 risk-based capital ratio | 11.3574% | 6,030 |
| Total risk-based capital ratio | 12.5729% | 6,062 |
| Memoranda: | ||
| Average total assets | $25,586,000 | 7,330 |
| Average earning assets | $23,565,200 | 7,305 |
| Average equity | $1,795,200 | 7,540 |
| Average total loans | $15,628,000 | 7,135 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5879% | 2,108 |
| Cost of funding earning assets | 1.5234% | 2,816 |
| Net interest margin | 4.0645% | 2,792 |
| Noninterest income to average assets | 0.6972% | 2,830 |
| Noninterest expense to average assets | 3.6110% | 1,767 |
| Loan and lease loss provision to assets | 0.2133% | 4,927 |
| Net operating income to assets | 0.4620% | 4,480 |
| Return on assets (ROA) | 0.7545% | 3,355 |
| Pretax return on assets | 1.0354% | 3,049 |
| Return on Equity (ROE) | 10.6901% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.6901% | 647 |
| Net charge-offs to loans | 0.0342% | 6,217 |
| Credit loss provision to net charge-offs | 1,025.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 40.7749% | 673 |
| Efficiency ratio | 80.9802% | 2,210 |
| Assets per employee ($millions) | 2.8653% | 6,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 5,361 |
| Loan loss allowance to noncurrent loans | 61.3208% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.2331% | 4,687 |
| Noncurrent loans to loans | 1.9997% | 3,676 |
| Net loans and leases to total assets | 60.9082% | 4,733 |
| Net loans and leases to deposits | 65.8519% | 5,677 |
| Net loans and leases to core deposits | 67.9398% | 5,949 |
| Total domestic deposits to total assets | 92.4926% | 131 |
| Equity capital to assets | 7.3251% | 7,216 |
| Core capital (leverage) ratio | 7.2214% | 7,045 |
| Tier 1 risk-based capital ratio | 11.6453% | 5,792 |
| Total risk-based capital ratio | 12.8411% | 5,831 |
| Memoranda: | ||
| Average total assets | $25,625,000 | 7,422 |
| Average earning assets | $23,717,250 | 7,387 |
| Average equity | $1,808,500 | 7,638 |
| Average total loans | $15,576,000 | 7,230 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5436% | 2,355 |
| Cost of funding earning assets | 1.5623% | 2,890 |
| Net interest margin | 3.9813% | 3,109 |
| Noninterest income to average assets | 0.6961% | 2,728 |
| Noninterest expense to average assets | 3.5666% | 1,865 |
| Loan and lease loss provision to assets | 0.1877% | 4,994 |
| Net operating income to assets | 0.4928% | 4,361 |
| Return on assets (ROA) | 0.6414% | 3,819 |
| Pretax return on assets | 0.8447% | 3,727 |
| Return on Equity (ROE) | 9.2048% | 2,385 |
| Retained earnings to average equity (ytd only) | 9.2048% | 1,046 |
| Net charge-offs to loans | -0.0388% | 7,405 |
| Credit loss provision to net charge-offs | -800.0000% | 6,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9947% | 2,299 |
| Assets per employee ($millions) | 3.2243% | 5,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 5,510 |
| Loan loss allowance to noncurrent loans | 70.6107% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.0157% | 5,112 |
| Noncurrent loans to loans | 1.6845% | 4,166 |
| Net loans and leases to total assets | 59.5836% | 5,142 |
| Net loans and leases to deposits | 64.2141% | 6,015 |
| Net loans and leases to core deposits | 66.2286% | 6,225 |
| Total domestic deposits to total assets | 92.7890% | 125 |
| Equity capital to assets | 7.0171% | 7,342 |
| Core capital (leverage) ratio | 7.1727% | 7,085 |
| Tier 1 risk-based capital ratio | 11.0449% | 6,195 |
| Total risk-based capital ratio | 12.1579% | 6,325 |
| Memoranda: | ||
| Average total assets | $25,570,670 | 7,482 |
| Average earning assets | $23,811,330 | 7,445 |
| Average equity | $1,781,670 | 7,705 |
| Average total loans | $15,467,330 | 7,289 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6030% | 2,137 |
| Cost of funding earning assets | 1.6104% | 2,894 |
| Net interest margin | 3.9925% | 2,896 |
| Noninterest income to average assets | 0.7227% | 2,446 |
| Noninterest expense to average assets | 3.4880% | 2,015 |
| Loan and lease loss provision to assets | 0.3142% | 3,538 |
| Net operating income to assets | 0.5518% | 4,132 |
| Return on assets (ROA) | 0.6442% | 3,812 |
| Pretax return on assets | 0.7699% | 3,992 |
| Return on Equity (ROE) | 9.2786% | 2,387 |
| Retained earnings to average equity (ytd only) | 9.2786% | 1,325 |
| Net charge-offs to loans | -0.0778% | 7,468 |
| Credit loss provision to net charge-offs | -666.6667% | 6,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1690% | 2,865 |
| Assets per employee ($millions) | 3.1479% | 5,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 5,625 |
| Loan loss allowance to noncurrent loans | 532.3529% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 7,145 |
| Noncurrent loans to loans | 0.2210% | 6,891 |
| Net loans and leases to total assets | 60.3661% | 5,058 |
| Net loans and leases to deposits | 65.8095% | 5,846 |
| Net loans and leases to core deposits | 67.9389% | 6,108 |
| Total domestic deposits to total assets | 91.7285% | 311 |
| Equity capital to assets | 7.0603% | 7,342 |
| Core capital (leverage) ratio | 7.0216% | 7,239 |
| Tier 1 risk-based capital ratio | 11.4251% | 5,736 |
| Total risk-based capital ratio | 12.5772% | 5,801 |
| Memoranda: | ||
| Average total assets | $25,459,000 | 7,579 |
| Average earning assets | $23,844,500 | 7,537 |
| Average equity | $1,767,500 | 7,795 |
| Average total loans | $15,424,000 | 7,382 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9931% | 1,900 |
| Cost of funding earning assets | 1.6204% | 4,932 |
| Net interest margin | 4.3727% | 1,506 |
| Noninterest income to average assets | 0.7664% | 2,578 |
| Noninterest expense to average assets | 3.8492% | 1,603 |
| Loan and lease loss provision to assets | 0.5566% | 3,590 |
| Net operating income to assets | 0.4285% | 4,012 |
| Return on assets (ROA) | 0.8306% | 2,497 |
| Pretax return on assets | 0.8949% | 2,942 |
| Return on Equity (ROE) | 11.3397% | 1,339 |
| Retained earnings to average equity (ytd only) | 10.1707% | 352 |
| Net charge-offs to loans | 0.7177% | 3,034 |
| Credit loss provision to net charge-offs | 118.1818% | 4,574 |
| Earnings coverage of net charge-offs (x) | 2.1636% | 4,100 |
| Efficiency ratio | 79.0677% | 3,031 |
| Assets per employee ($millions) | 3.2169% | 5,686 |
| Cash dividends to net income (ytd only)* | 10.3093% | 3,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 6,260 |
| Loan loss allowance to noncurrent loans | 478.7879% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 7,159 |
| Noncurrent loans to loans | 0.2134% | 6,892 |
| Net loans and leases to total assets | 59.4793% | 5,422 |
| Net loans and leases to deposits | 64.0460% | 6,258 |
| Net loans and leases to core deposits | 89.9090% | 5,138 |
| Total domestic deposits to total assets | 92.8696% | 144 |
| Equity capital to assets | 6.8273% | 7,454 |
| Core capital (leverage) ratio | 6.9432% | 7,284 |
| Tier 1 risk-based capital ratio | 11.2587% | 5,652 |
| Total risk-based capital ratio | 12.2729% | 5,862 |
| Memoranda: | ||
| Average total assets | $23,355,600 | 7,687 |
| Average earning assets | $21,908,600 | 7,654 |
| Average equity | $1,710,800 | 7,889 |
| Average total loans | $15,327,400 | 7,433 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1145% | 1,597 |
| Cost of funding earning assets | 1.6255% | 5,283 |
| Net interest margin | 4.4890% | 1,222 |
| Noninterest income to average assets | 0.7967% | 2,444 |
| Noninterest expense to average assets | 3.8135% | 1,569 |
| Loan and lease loss provision to assets | 0.5213% | 3,301 |
| Net operating income to assets | 0.6248% | 3,518 |
| Return on assets (ROA) | 1.1423% | 1,673 |
| Pretax return on assets | 1.2243% | 2,185 |
| Return on Equity (ROE) | 15.3003% | 735 |
| Retained earnings to average equity (ytd only) | 15.3003% | 151 |
| Net charge-offs to loans | 0.4795% | 3,312 |
| Credit loss provision to net charge-offs | 161.8182% | 2,917 |
| Earnings coverage of net charge-offs (x) | 3.6910% | 3,419 |
| Efficiency ratio | 76.2295% | 3,467 |
| Assets per employee ($millions) | 3.0578% | 6,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 5,767 |
| Loan loss allowance to noncurrent loans | 147.0085% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.4783% | 6,269 |
| Noncurrent loans to loans | 0.7439% | 5,823 |
| Net loans and leases to total assets | 63.5884% | 4,953 |
| Net loans and leases to deposits | 68.8427% | 6,047 |
| Net loans and leases to core deposits | 90.3310% | 5,400 |
| Total domestic deposits to total assets | 92.3678% | 132 |
| Equity capital to assets | 7.3297% | 7,411 |
| Core capital (leverage) ratio | 7.7463% | 6,671 |
| Tier 1 risk-based capital ratio | 11.4910% | 5,435 |
| Total risk-based capital ratio | 12.5964% | 5,530 |
| Memoranda: | ||
| Average total assets | $22,760,750 | 7,777 |
| Average earning assets | $21,325,750 | 7,739 |
| Average equity | $1,699,250 | 7,979 |
| Average total loans | $15,293,000 | 7,503 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1780% | 1,533 |
| Cost of funding earning assets | 1.6615% | 5,465 |
| Net interest margin | 4.5165% | 1,133 |
| Noninterest income to average assets | 0.8201% | 2,317 |
| Noninterest expense to average assets | 3.9831% | 1,338 |
| Loan and lease loss provision to assets | 0.6128% | 2,603 |
| Net operating income to assets | 0.4866% | 4,135 |
| Return on assets (ROA) | 1.1625% | 1,660 |
| Pretax return on assets | 1.1625% | 2,418 |
| Return on Equity (ROE) | 15.4676% | 761 |
| Retained earnings to average equity (ytd only) | 15.4676% | 184 |
| Net charge-offs to loans | 0.6601% | 2,383 |
| Credit loss provision to net charge-offs | 136.0000% | 3,431 |
| Earnings coverage of net charge-offs (x) | 2.4400% | 3,847 |
| Efficiency ratio | 78.3688% | 3,292 |
| Assets per employee ($millions) | 2.8181% | 6,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 6,393 |
| Loan loss allowance to noncurrent loans | 371.4286% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 7,061 |
| Noncurrent loans to loans | 0.2634% | 6,868 |
| Net loans and leases to total assets | 70.0377% | 3,701 |
| Net loans and leases to deposits | 75.9829% | 5,180 |
| Net loans and leases to core deposits | 97.0975% | 4,773 |
| Total domestic deposits to total assets | 92.1756% | 186 |
| Equity capital to assets | 7.5538% | 7,219 |
| Core capital (leverage) ratio | 7.6482% | 6,829 |
| Tier 1 risk-based capital ratio | 11.0789% | 5,799 |
| Total risk-based capital ratio | 12.0826% | 5,981 |
| Memoranda: | ||
| Average total assets | $22,193,670 | 7,875 |
| Average earning assets | $20,945,330 | 7,830 |
| Average equity | $1,668,000 | 8,063 |
| Average total loans | $15,148,330 | 7,583 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2722% | 1,382 |
| Cost of funding earning assets | 1.7071% | 5,568 |
| Net interest margin | 4.5651% | 1,009 |
| Noninterest income to average assets | 0.7812% | 2,426 |
| Noninterest expense to average assets | 3.7969% | 1,478 |
| Loan and lease loss provision to assets | 0.1998% | 4,441 |
| Net operating income to assets | 1.1082% | 1,935 |
| Return on assets (ROA) | 2.3435% | 205 |
| Pretax return on assets | 2.3435% | 337 |
| Return on Equity (ROE) | 31.2633% | 90 |
| Retained earnings to average equity (ytd only) | 31.2633% | 48 |
| Net charge-offs to loans | -0.0271% | 7,529 |
| Credit loss provision to net charge-offs | -1,100.0000% | 6,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3772% | 3,758 |
| Assets per employee ($millions) | 2.7454% | 6,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 6,265 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 5,836 |
| Noncurrent loans to loans | 0.7910% | 5,460 |
| Net loans and leases to total assets | 68.3923% | 4,045 |
| Net loans and leases to deposits | 74.7128% | 5,399 |
| Net loans and leases to core deposits | 93.9929% | 5,150 |
| Total domestic deposits to total assets | 91.5403% | 266 |
| Equity capital to assets | 7.7039% | 7,174 |
| Core capital (leverage) ratio | 7.8095% | 6,738 |
| Tier 1 risk-based capital ratio | 11.6588% | 5,248 |
| Total risk-based capital ratio | 12.6743% | 5,381 |
| Memoranda: | ||
| Average total assets | $22,018,000 | 7,926 |
| Average earning assets | $20,854,000 | 7,880 |
| Average equity | $1,650,500 | 8,120 |
| Average total loans | $14,749,500 | 7,649 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5241% | 2,846 |
| Cost of funding earning assets | 2.2326% | 5,448 |
| Net interest margin | 4.2915% | 2,008 |
| Noninterest income to average assets | 0.8120% | 2,443 |
| Noninterest expense to average assets | 3.9130% | 1,540 |
| Loan and lease loss provision to assets | 0.2469% | 4,445 |
| Net operating income to assets | 0.6411% | 4,139 |
| Return on assets (ROA) | 0.6743% | 3,844 |
| Pretax return on assets | 0.6743% | 4,468 |
| Return on Equity (ROE) | 9.4806% | 2,444 |
| Retained earnings to average equity (ytd only) | 8.2120% | 779 |
| Net charge-offs to loans | 0.1604% | 4,591 |
| Credit loss provision to net charge-offs | 273.6842% | 1,676 |
| Earnings coverage of net charge-offs (x) | 9.8421% | 2,622 |
| Efficiency ratio | 81.5035% | 2,372 |
| Assets per employee ($millions) | 2.7591% | 6,659 |
| Cash dividends to net income (ytd only)* | 13.3803% | 4,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 6,316 |
| Loan loss allowance to noncurrent loans | 117.9487% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 5,588 |
| Noncurrent loans to loans | 0.8166% | 5,004 |
| Net loans and leases to total assets | 64.2867% | 5,213 |
| Net loans and leases to deposits | 69.6271% | 6,314 |
| Net loans and leases to core deposits | 89.6286% | 5,834 |
| Total domestic deposits to total assets | 92.3300% | 96 |
| Equity capital to assets | 7.2894% | 7,568 |
| Core capital (leverage) ratio | 7.2271% | 7,496 |
| Tier 1 risk-based capital ratio | 11.3786% | 5,352 |
| Total risk-based capital ratio | 12.3643% | 5,511 |
| Memoranda: | ||
| Average total assets | $21,058,200 | 7,985 |
| Average earning assets | $19,573,600 | 7,953 |
| Average equity | $1,497,800 | 8,215 |
| Average total loans | $11,846,800 | 7,840 |