Home > Elysian Bank > Performance and Condition Ratios
Elysian Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3175% | 1,466 |
| Cost of funding earning assets | 0.8029% | 3,722 |
| Net interest margin | 4.5146% | 602 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 3.0550% | 1,032 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.5588% | 920 |
| Return on assets (ROA) | 1.5588% | 889 |
| Pretax return on assets | 1.5588% | 1,311 |
| Return on Equity (ROE) | 14.3600% | 1,411 |
| Retained earnings to average equity (ytd only) | 7.3368% | 1,780 |
| Net charge-offs to loans | 0.1092% | 854 |
| Credit loss provision to net charge-offs | 120.0000% | 1,672 |
| Earnings coverage of net charge-offs (x) | 21.6000% | 1,834 |
| Efficiency ratio | 64.9237% | 2,494 |
| Assets per employee ($millions) | 6.4095% | 2,475 |
| Cash dividends to net income (ytd only)* | 48.9216% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 995 |
| Loan loss allowance to noncurrent loans | 97.8202% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.1452% | 394 |
| Noncurrent loans to loans | 1.5525% | 433 |
| Net loans and leases to total assets | 72.6400% | 1,510 |
| Net loans and leases to deposits | 82.4319% | 1,911 |
| Net loans and leases to core deposits | 85.9072% | 2,311 |
| Total domestic deposits to total assets | 88.1200% | 1,305 |
| Equity capital to assets | 11.6062% | 1,251 |
| Core capital (leverage) ratio | 12.1095% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8886% | 1,295 |
| Memoranda: | ||
| Average total assets | $65,433,400 | 4,157 |
| Average earning assets | $60,160,200 | 4,136 |
| Average equity | $7,101,200 | 4,036 |
| Average total loans | $45,779,400 | 3,903 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0818% | 1,664 |
| Cost of funding earning assets | 0.7244% | 3,711 |
| Net interest margin | 4.3574% | 742 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 3.0105% | 1,059 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.5164% | 1,087 |
| Return on assets (ROA) | 1.5164% | 1,078 |
| Pretax return on assets | 1.5164% | 1,523 |
| Return on Equity (ROE) | 14.2100% | 1,603 |
| Retained earnings to average equity (ytd only) | 9.7479% | 1,473 |
| Net charge-offs to loans | 0.1057% | 750 |
| Credit loss provision to net charge-offs | 125.0000% | 1,450 |
| Earnings coverage of net charge-offs (x) | 22.0278% | 1,766 |
| Efficiency ratio | 65.1888% | 2,368 |
| Assets per employee ($millions) | 6.4511% | 2,357 |
| Cash dividends to net income (ytd only)* | 31.4171% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,052 |
| Loan loss allowance to noncurrent loans | 84.7518% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.3114% | 315 |
| Noncurrent loans to loans | 1.7960% | 359 |
| Net loans and leases to total assets | 71.9100% | 1,584 |
| Net loans and leases to deposits | 81.3525% | 1,950 |
| Net loans and leases to core deposits | 82.8032% | 2,414 |
| Total domestic deposits to total assets | 88.3900% | 1,450 |
| Equity capital to assets | 11.3454% | 1,227 |
| Core capital (leverage) ratio | 11.9314% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $65,768,000 | 4,171 |
| Average earning assets | $60,555,000 | 4,151 |
| Average equity | $7,016,750 | 4,045 |
| Average total loans | $45,404,750 | 3,917 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8055% | 1,980 |
| Cost of funding earning assets | 0.6396% | 3,659 |
| Net interest margin | 4.1658% | 977 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.9764% | 1,079 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.2752% | 1,632 |
| Return on assets (ROA) | 1.2752% | 1,621 |
| Pretax return on assets | 1.2752% | 2,147 |
| Return on Equity (ROE) | 12.2000% | 2,091 |
| Retained earnings to average equity (ytd only) | 7.5477% | 2,114 |
| Net charge-offs to loans | 0.0669% | 886 |
| Credit loss provision to net charge-offs | 200.0000% | 1,046 |
| Earnings coverage of net charge-offs (x) | 30.1333% | 1,547 |
| Efficiency ratio | 68.5456% | 1,917 |
| Assets per employee ($millions) | 6.3768% | 2,406 |
| Cash dividends to net income (ytd only)* | 38.1517% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 966 |
| Loan loss allowance to noncurrent loans | 114.5800% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.9895% | 478 |
| Noncurrent loans to loans | 1.3805% | 507 |
| Net loans and leases to total assets | 70.5500% | 1,684 |
| Net loans and leases to deposits | 79.5185% | 2,012 |
| Net loans and leases to core deposits | 80.3709% | 2,440 |
| Total domestic deposits to total assets | 88.7200% | 1,342 |
| Equity capital to assets | 11.1090% | 1,344 |
| Core capital (leverage) ratio | 11.9003% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9476% | 1,329 |
| Memoranda: | ||
| Average total assets | $66,187,000 | 4,187 |
| Average earning assets | $60,972,333 | 4,166 |
| Average equity | $6,916,000 | 4,084 |
| Average total loans | $44,838,000 | 3,938 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 2,013 |
| Cost of funding earning assets | 0.5328% | 3,585 |
| Net interest margin | 4.0958% | 1,102 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.8726% | 1,289 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.1277% | 2,135 |
| Return on assets (ROA) | 1.1277% | 2,103 |
| Pretax return on assets | 1.1277% | 2,637 |
| Return on Equity (ROE) | 11.1200% | 2,461 |
| Retained earnings to average equity (ytd only) | 5.2693% | 2,960 |
| Net charge-offs to loans | 0.1261% | 519 |
| Credit loss provision to net charge-offs | 107.1429% | 1,076 |
| Earnings coverage of net charge-offs (x) | 14.6429% | 1,566 |
| Efficiency ratio | 70.2467% | 1,724 |
| Assets per employee ($millions) | 6.8985% | 2,046 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 1,030 |
| Loan loss allowance to noncurrent loans | 241.9795% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 1,214 |
| Noncurrent loans to loans | 0.6567% | 1,146 |
| Net loans and leases to total assets | 63.6500% | 2,279 |
| Net loans and leases to deposits | 70.9053% | 2,546 |
| Net loans and leases to core deposits | 70.9053% | 2,887 |
| Total domestic deposits to total assets | 89.7600% | 1,246 |
| Equity capital to assets | 10.0297% | 1,809 |
| Core capital (leverage) ratio | 11.3691% | 1,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3795% | 1,293 |
| Memoranda: | ||
| Average total assets | $67,396,500 | 4,229 |
| Average earning assets | $62,307,000 | 4,215 |
| Average equity | $6,832,000 | 4,142 |
| Average total loans | $44,402,500 | 3,991 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2252% | 1,199 |
| Cost of funding earning assets | 0.1239% | 4,264 |
| Net interest margin | 4.1013% | 655 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.7246% | 1,500 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.5687% | 745 |
| Return on assets (ROA) | 1.5672% | 710 |
| Pretax return on assets | 1.5672% | 1,248 |
| Return on Equity (ROE) | 15.7900% | 1,088 |
| Retained earnings to average equity (ytd only) | 8.6746% | 1,576 |
| Net charge-offs to loans | -0.1113% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.1339% | 2,742 |
| Assets per employee ($millions) | 6.5808% | 2,270 |
| Cash dividends to net income (ytd only)* | 45.0732% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 976 |
| Loan loss allowance to noncurrent loans | 416.4706% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 1,866 |
| Noncurrent loans to loans | 0.3847% | 1,765 |
| Net loans and leases to total assets | 66.0700% | 2,036 |
| Net loans and leases to deposits | 75.6801% | 2,123 |
| Net loans and leases to core deposits | 75.6801% | 2,447 |
| Total domestic deposits to total assets | 87.3100% | 2,290 |
| Equity capital to assets | 10.2495% | 1,586 |
| Core capital (leverage) ratio | 10.9523% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1224% | 1,339 |
| Memoranda: | ||
| Average total assets | $65,403,200 | 4,277 |
| Average earning assets | $60,542,000 | 4,253 |
| Average equity | $6,490,200 | 4,272 |
| Average total loans | $39,521,800 | 4,073 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0288% | 1,208 |
| Cost of funding earning assets | 0.0860% | 4,379 |
| Net interest margin | 3.9428% | 714 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.7339% | 1,388 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.4537% | 943 |
| Return on assets (ROA) | 1.4517% | 925 |
| Pretax return on assets | 1.4517% | 1,548 |
| Return on Equity (ROE) | 14.7500% | 1,231 |
| Retained earnings to average equity (ytd only) | 6.8050% | 2,448 |
| Net charge-offs to loans | 0.1286% | 497 |
| Credit loss provision to net charge-offs | 121.6216% | 1,214 |
| Earnings coverage of net charge-offs (x) | 20.4595% | 1,704 |
| Efficiency ratio | 63.8836% | 2,568 |
| Assets per employee ($millions) | 6.0093% | 2,754 |
| Cash dividends to net income (ytd only)* | 53.8678% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 1,400 |
| Loan loss allowance to noncurrent loans | 97.2973% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.9516% | 478 |
| Noncurrent loans to loans | 1.5072% | 468 |
| Net loans and leases to total assets | 62.2100% | 2,262 |
| Net loans and leases to deposits | 71.0416% | 2,285 |
| Net loans and leases to core deposits | 71.0416% | 2,565 |
| Total domestic deposits to total assets | 87.5700% | 2,569 |
| Equity capital to assets | 9.7108% | 1,766 |
| Core capital (leverage) ratio | 10.5793% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7248% | 1,230 |
| Memoranda: | ||
| Average total assets | $65,302,000 | 4,309 |
| Average earning assets | $60,462,750 | 4,288 |
| Average equity | $6,426,500 | 4,323 |
| Average total loans | $38,354,750 | 4,119 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8073% | 1,298 |
| Cost of funding earning assets | 0.0828% | 4,350 |
| Net interest margin | 3.7245% | 873 |
| Noninterest income to average assets | 0.4582% | 2,402 |
| Noninterest expense to average assets | 2.7216% | 1,335 |
| Loan and lease loss provision to assets | 0.0923% | 1,076 |
| Net operating income to assets | 1.1009% | 1,767 |
| Return on assets (ROA) | 1.0979% | 1,753 |
| Pretax return on assets | 1.0979% | 2,418 |
| Return on Equity (ROE) | 11.1059% | 1,945 |
| Retained earnings to average equity (ytd only) | 0.7466% | 4,048 |
| Net charge-offs to loans | -0.0269% | 4,005 |
| Credit loss provision to net charge-offs | -600.0000% | 3,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5208% | 2,026 |
| Assets per employee ($millions) | 5.9104% | 2,826 |
| Cash dividends to net income (ytd only)* | 93.2773% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6116% | 1,122 |
| Loan loss allowance to noncurrent loans | 114.9281% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 606 |
| Noncurrent loans to loans | 1.4023% | 538 |
| Net loans and leases to total assets | 60.0025% | 2,327 |
| Net loans and leases to deposits | 66.6473% | 2,495 |
| Net loans and leases to core deposits | 66.6473% | 2,766 |
| Total domestic deposits to total assets | 90.0298% | 1,697 |
| Equity capital to assets | 9.6179% | 1,924 |
| Core capital (leverage) ratio | 10.3424% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,035,333 | 4,352 |
| Average earning assets | $60,357,333 | 4,351 |
| Average equity | $6,429,000 | 4,373 |
| Average total loans | $37,228,667 | 4,191 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5998% | 1,506 |
| Cost of funding earning assets | 0.0928% | 4,231 |
| Net interest margin | 3.5069% | 1,081 |
| Noninterest income to average assets | 0.5535% | 1,884 |
| Noninterest expense to average assets | 2.4967% | 1,890 |
| Loan and lease loss provision to assets | 0.0922% | 896 |
| Net operating income to assets | 1.2176% | 1,208 |
| Return on assets (ROA) | 1.2176% | 1,191 |
| Pretax return on assets | 1.2176% | 1,746 |
| Return on Equity (ROE) | 12.1528% | 1,264 |
| Retained earnings to average equity (ytd only) | 6.0150% | 2,247 |
| Net charge-offs to loans | -0.0333% | 4,125 |
| Credit loss provision to net charge-offs | -500.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5897% | 2,817 |
| Assets per employee ($millions) | 6.5490% | 2,344 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7363% | 991 |
| Loan loss allowance to noncurrent loans | 106.6895% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9666% | 532 |
| Noncurrent loans to loans | 1.6274% | 491 |
| Net loans and leases to total assets | 53.7502% | 2,791 |
| Net loans and leases to deposits | 59.7660% | 2,923 |
| Net loans and leases to core deposits | 59.7660% | 3,169 |
| Total domestic deposits to total assets | 89.9343% | 1,604 |
| Equity capital to assets | 9.8290% | 2,031 |
| Core capital (leverage) ratio | 10.4440% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5509% | 960 |
| Memoranda: | ||
| Average total assets | $65,046,000 | 4,374 |
| Average earning assets | $60,337,500 | 4,372 |
| Average equity | $6,517,000 | 4,411 |
| Average total loans | $36,018,500 | 4,233 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9339% | 1,532 |
| Cost of funding earning assets | 0.0984% | 4,394 |
| Net interest margin | 3.8355% | 943 |
| Noninterest income to average assets | 1.1677% | 773 |
| Noninterest expense to average assets | 2.9747% | 1,024 |
| Loan and lease loss provision to assets | 0.0964% | 1,288 |
| Net operating income to assets | 1.6030% | 800 |
| Return on assets (ROA) | 1.6030% | 833 |
| Pretax return on assets | 1.6030% | 1,413 |
| Return on Equity (ROE) | 15.4623% | 845 |
| Retained earnings to average equity (ytd only) | 4.4621% | 3,025 |
| Net charge-offs to loans | 0.1352% | 686 |
| Credit loss provision to net charge-offs | 122.4490% | 1,634 |
| Earnings coverage of net charge-offs (x) | 21.5918% | 1,819 |
| Efficiency ratio | 63.6426% | 2,620 |
| Assets per employee ($millions) | 6.4602% | 2,363 |
| Cash dividends to net income (ytd only)* | 71.1423% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6679% | 1,120 |
| Loan loss allowance to noncurrent loans | 105.9649% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 593 |
| Noncurrent loans to loans | 1.5740% | 565 |
| Net loans and leases to total assets | 55.1221% | 2,720 |
| Net loans and leases to deposits | 61.6303% | 2,920 |
| Net loans and leases to core deposits | 61.6303% | 3,199 |
| Total domestic deposits to total assets | 89.4400% | 1,273 |
| Equity capital to assets | 10.2118% | 2,457 |
| Core capital (leverage) ratio | 9.9861% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9570% | 1,047 |
| Memoranda: | ||
| Average total assets | $62,259,200 | 4,423 |
| Average earning assets | $56,915,000 | 4,428 |
| Average equity | $6,454,400 | 4,484 |
| Average total loans | $36,229,400 | 4,264 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 1,604 |
| Cost of funding earning assets | 0.0975% | 4,522 |
| Net interest margin | 3.8757% | 981 |
| Noninterest income to average assets | 1.1934% | 799 |
| Noninterest expense to average assets | 2.7564% | 1,446 |
| Loan and lease loss provision to assets | 0.0973% | 1,230 |
| Net operating income to assets | 1.8635% | 593 |
| Return on assets (ROA) | 1.8635% | 614 |
| Pretax return on assets | 1.8635% | 1,011 |
| Return on Equity (ROE) | 17.9054% | 639 |
| Retained earnings to average equity (ytd only) | 6.0654% | 2,790 |
| Net charge-offs to loans | -0.0037% | 3,349 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4326% | 3,203 |
| Assets per employee ($millions) | 6.4835% | 2,263 |
| Cash dividends to net income (ytd only)* | 66.1253% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8281% | 882 |
| Loan loss allowance to noncurrent loans | 85.4278% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.2308% | 473 |
| Noncurrent loans to loans | 2.1400% | 392 |
| Net loans and leases to total assets | 52.9267% | 3,092 |
| Net loans and leases to deposits | 59.3449% | 3,288 |
| Net loans and leases to core deposits | 59.3449% | 3,525 |
| Total domestic deposits to total assets | 89.1849% | 1,176 |
| Equity capital to assets | 10.2260% | 2,684 |
| Core capital (leverage) ratio | 10.5077% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,673,500 | 4,491 |
| Average earning assets | $56,075,000 | 4,494 |
| Average equity | $6,418,750 | 4,550 |
| Average total loans | $36,233,250 | 4,322 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0371% | 1,480 |
| Cost of funding earning assets | 0.1010% | 4,577 |
| Net interest margin | 3.9361% | 916 |
| Noninterest income to average assets | 0.9733% | 1,114 |
| Noninterest expense to average assets | 2.7780% | 1,404 |
| Loan and lease loss provision to assets | 0.0990% | 1,279 |
| Net operating income to assets | 1.6958% | 878 |
| Return on assets (ROA) | 1.6958% | 926 |
| Pretax return on assets | 1.6958% | 1,485 |
| Return on Equity (ROE) | 16.1932% | 917 |
| Retained earnings to average equity (ytd only) | 1.2287% | 4,294 |
| Net charge-offs to loans | -0.0164% | 3,901 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7504% | 2,902 |
| Assets per employee ($millions) | 6.2203% | 2,410 |
| Cash dividends to net income (ytd only)* | 92.4125% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 1,007 |
| Loan loss allowance to noncurrent loans | 60.0768% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.7555% | 273 |
| Noncurrent loans to loans | 2.8760% | 258 |
| Net loans and leases to total assets | 57.2400% | 2,760 |
| Net loans and leases to deposits | 64.3224% | 2,964 |
| Net loans and leases to core deposits | 64.3224% | 3,264 |
| Total domestic deposits to total assets | 88.9893% | 1,289 |
| Equity capital to assets | 10.2953% | 2,582 |
| Core capital (leverage) ratio | 10.2653% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3130% | 1,064 |
| Memoranda: | ||
| Average total assets | $60,619,667 | 4,534 |
| Average earning assets | $55,435,333 | 4,531 |
| Average equity | $6,348,333 | 4,587 |
| Average total loans | $36,659,667 | 4,343 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1037% | 1,374 |
| Cost of funding earning assets | 0.1097% | 4,591 |
| Net interest margin | 3.9940% | 849 |
| Noninterest income to average assets | 1.0831% | 1,006 |
| Noninterest expense to average assets | 2.7412% | 1,514 |
| Loan and lease loss provision to assets | 0.1003% | 1,345 |
| Net operating income to assets | 1.8921% | 672 |
| Return on assets (ROA) | 1.8921% | 721 |
| Pretax return on assets | 1.8921% | 1,130 |
| Return on Equity (ROE) | 17.9100% | 739 |
| Retained earnings to average equity (ytd only) | -4.8730% | 4,697 |
| Net charge-offs to loans | -0.0542% | 4,428 |
| Credit loss provision to net charge-offs | -300.0000% | 3,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9096% | 3,313 |
| Assets per employee ($millions) | 6.2091% | 2,397 |
| Cash dividends to net income (ytd only)* | 127.2085% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 1,127 |
| Loan loss allowance to noncurrent loans | 58.6603% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.7635% | 320 |
| Noncurrent loans to loans | 2.8406% | 289 |
| Net loans and leases to total assets | 58.2613% | 2,775 |
| Net loans and leases to deposits | 65.1955% | 3,005 |
| Net loans and leases to core deposits | 65.1955% | 3,301 |
| Total domestic deposits to total assets | 89.3640% | 1,144 |
| Equity capital to assets | 10.1142% | 2,599 |
| Core capital (leverage) ratio | 10.3860% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3007% | 1,219 |
| Memoranda: | ||
| Average total assets | $59,828,000 | 4,559 |
| Average earning assets | $54,682,000 | 4,555 |
| Average equity | $6,320,500 | 4,606 |
| Average total loans | $36,874,000 | 4,359 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7663% | 776 |
| Cost of funding earning assets | 0.1789% | 4,648 |
| Net interest margin | 4.5874% | 271 |
| Noninterest income to average assets | 1.2517% | 719 |
| Noninterest expense to average assets | 2.9275% | 1,608 |
| Loan and lease loss provision to assets | 0.1126% | 2,940 |
| Net operating income to assets | 2.3983% | 149 |
| Return on assets (ROA) | 2.3983% | 160 |
| Pretax return on assets | 2.3983% | 218 |
| Return on Equity (ROE) | 21.3235% | 177 |
| Retained earnings to average equity (ytd only) | 11.3124% | 396 |
| Net charge-offs to loans | -0.1489% | 4,864 |
| Credit loss provision to net charge-offs | -120.0000% | 3,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8302% | 4,232 |
| Assets per employee ($millions) | 5.7565% | 2,573 |
| Cash dividends to net income (ytd only)* | 46.9484% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 1,278 |
| Loan loss allowance to noncurrent loans | 98.3444% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.1361% | 795 |
| Noncurrent loans to loans | 1.6342% | 805 |
| Net loans and leases to total assets | 63.1738% | 2,468 |
| Net loans and leases to deposits | 71.3675% | 2,753 |
| Net loans and leases to core deposits | 71.3675% | 3,143 |
| Total domestic deposits to total assets | 88.5191% | 1,215 |
| Equity capital to assets | 11.0501% | 2,211 |
| Core capital (leverage) ratio | 11.2838% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5601% | 1,135 |
| Memoranda: | ||
| Average total assets | $53,288,200 | 4,609 |
| Average earning assets | $48,633,200 | 4,608 |
| Average equity | $5,993,400 | 4,647 |
| Average total loans | $33,582,400 | 4,441 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8328% | 836 |
| Cost of funding earning assets | 0.2014% | 4,673 |
| Net interest margin | 4.6315% | 292 |
| Noninterest income to average assets | 1.2230% | 726 |
| Noninterest expense to average assets | 2.9082% | 1,683 |
| Loan and lease loss provision to assets | 0.1149% | 2,886 |
| Net operating income to assets | 2.4282% | 157 |
| Return on assets (ROA) | 2.4282% | 165 |
| Pretax return on assets | 2.4282% | 238 |
| Return on Equity (ROE) | 21.4855% | 193 |
| Retained earnings to average equity (ytd only) | 11.4318% | 501 |
| Net charge-offs to loans | -0.1873% | 4,918 |
| Credit loss provision to net charge-offs | -97.8261% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3489% | 4,217 |
| Assets per employee ($millions) | 4.9069% | 3,368 |
| Cash dividends to net income (ytd only)* | 46.7928% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 908 |
| Loan loss allowance to noncurrent loans | 151.0526% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.8930% | 1,290 |
| Noncurrent loans to loans | 1.1203% | 1,350 |
| Net loans and leases to total assets | 61.7756% | 3,036 |
| Net loans and leases to deposits | 70.2896% | 3,289 |
| Net loans and leases to core deposits | 70.2896% | 3,608 |
| Total domestic deposits to total assets | 87.8872% | 1,269 |
| Equity capital to assets | 11.4810% | 2,021 |
| Core capital (leverage) ratio | 11.3734% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1999% | 1,208 |
| Memoranda: | ||
| Average total assets | $52,219,000 | 4,644 |
| Average earning assets | $47,672,750 | 4,643 |
| Average equity | $5,901,500 | 4,678 |
| Average total loans | $32,738,000 | 4,493 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 964 |
| Cost of funding earning assets | 0.2288% | 4,688 |
| Net interest margin | 4.6770% | 356 |
| Noninterest income to average assets | 1.0381% | 920 |
| Noninterest expense to average assets | 2.8819% | 1,874 |
| Loan and lease loss provision to assets | 0.1162% | 2,859 |
| Net operating income to assets | 2.3163% | 184 |
| Return on assets (ROA) | 2.3163% | 202 |
| Pretax return on assets | 2.3163% | 297 |
| Return on Equity (ROE) | 20.6100% | 218 |
| Retained earnings to average equity (ytd only) | 10.2705% | 740 |
| Net charge-offs to loans | -0.2597% | 4,967 |
| Credit loss provision to net charge-offs | -71.4286% | 3,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2274% | 4,157 |
| Assets per employee ($millions) | 4.8601% | 3,349 |
| Cash dividends to net income (ytd only)* | 50.1672% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 906 |
| Loan loss allowance to noncurrent loans | 135.6968% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.8586% | 1,446 |
| Noncurrent loans to loans | 1.2153% | 1,293 |
| Net loans and leases to total assets | 61.9106% | 3,138 |
| Net loans and leases to deposits | 70.1481% | 3,402 |
| Net loans and leases to core deposits | 70.1481% | 3,694 |
| Total domestic deposits to total assets | 88.2569% | 1,058 |
| Equity capital to assets | 11.2175% | 2,168 |
| Core capital (leverage) ratio | 11.2436% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9305% | 1,846 |
| Memoranda: | ||
| Average total assets | $51,633,333 | 4,665 |
| Average earning assets | $47,210,000 | 4,671 |
| Average equity | $5,803,000 | 4,710 |
| Average total loans | $32,344,667 | 4,518 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9828% | 1,005 |
| Cost of funding earning assets | 0.2911% | 4,683 |
| Net interest margin | 4.6917% | 336 |
| Noninterest income to average assets | 0.4022% | 3,081 |
| Noninterest expense to average assets | 2.6972% | 2,709 |
| Loan and lease loss provision to assets | 0.1183% | 2,213 |
| Net operating income to assets | 1.9085% | 332 |
| Return on assets (ROA) | 1.9085% | 361 |
| Pretax return on assets | 1.9085% | 562 |
| Return on Equity (ROE) | 16.9646% | 343 |
| Retained earnings to average equity (ytd only) | 2.9443% | 3,105 |
| Net charge-offs to loans | -0.4796% | 5,020 |
| Credit loss provision to net charge-offs | -39.4737% | 3,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0952% | 4,104 |
| Assets per employee ($millions) | 4.6202% | 3,097 |
| Cash dividends to net income (ytd only)* | 82.6446% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 900 |
| Loan loss allowance to noncurrent loans | 150.1401% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.8008% | 1,694 |
| Noncurrent loans to loans | 1.1216% | 1,476 |
| Net loans and leases to total assets | 61.5737% | 3,340 |
| Net loans and leases to deposits | 69.6654% | 3,618 |
| Net loans and leases to core deposits | 69.6654% | 3,898 |
| Total domestic deposits to total assets | 88.3850% | 936 |
| Equity capital to assets | 11.2746% | 2,614 |
| Core capital (leverage) ratio | 11.2874% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4626% | 928 |
| Memoranda: | ||
| Average total assets | $50,719,500 | 4,702 |
| Average earning assets | $46,720,500 | 4,696 |
| Average equity | $5,706,000 | 4,757 |
| Average total loans | $31,690,500 | 4,565 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0820% | 1,255 |
| Cost of funding earning assets | 0.3002% | 4,729 |
| Net interest margin | 4.7818% | 407 |
| Noninterest income to average assets | 0.5315% | 2,571 |
| Noninterest expense to average assets | 2.7955% | 2,613 |
| Loan and lease loss provision to assets | 0.1217% | 1,740 |
| Net operating income to assets | 2.0733% | 291 |
| Return on assets (ROA) | 2.0733% | 300 |
| Pretax return on assets | 2.0733% | 508 |
| Return on Equity (ROE) | 18.5138% | 302 |
| Retained earnings to average equity (ytd only) | 7.1374% | 1,333 |
| Net charge-offs to loans | 0.1309% | 1,460 |
| Credit loss provision to net charge-offs | 153.8462% | 1,657 |
| Earnings coverage of net charge-offs (x) | 27.7436% | 1,650 |
| Efficiency ratio | 56.0163% | 4,198 |
| Assets per employee ($millions) | 4.6015% | 3,083 |
| Cash dividends to net income (ytd only)* | 61.4481% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 1,142 |
| Loan loss allowance to noncurrent loans | 197.9508% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 2,482 |
| Noncurrent loans to loans | 0.7733% | 1,968 |
| Net loans and leases to total assets | 61.3806% | 3,464 |
| Net loans and leases to deposits | 69.4466% | 3,713 |
| Net loans and leases to core deposits | 69.4466% | 3,995 |
| Total domestic deposits to total assets | 88.3853% | 946 |
| Equity capital to assets | 11.2255% | 2,789 |
| Core capital (leverage) ratio | 11.2536% | 2,292 |
| Tier 1 risk-based capital ratio | 16.2297% | 2,323 |
| Total risk-based capital ratio | 17.4805% | 2,266 |
| Memoranda: | ||
| Average total assets | $49,293,600 | 4,764 |
| Average earning assets | $45,966,200 | 4,751 |
| Average equity | $5,520,200 | 4,825 |
| Average total loans | $29,792,400 | 4,647 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 1,346 |
| Cost of funding earning assets | 0.2976% | 4,802 |
| Net interest margin | 4.7763% | 432 |
| Noninterest income to average assets | 0.5119% | 2,657 |
| Noninterest expense to average assets | 2.6305% | 3,076 |
| Loan and lease loss provision to assets | 0.1225% | 1,594 |
| Net operating income to assets | 2.2166% | 267 |
| Return on assets (ROA) | 2.2166% | 276 |
| Pretax return on assets | 2.2166% | 443 |
| Return on Equity (ROE) | 19.8058% | 264 |
| Retained earnings to average equity (ytd only) | 11.0465% | 518 |
| Net charge-offs to loans | -0.0136% | 4,470 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9315% | 4,512 |
| Assets per employee ($millions) | 4.5470% | 3,125 |
| Cash dividends to net income (ytd only)* | 44.2261% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 890 |
| Loan loss allowance to noncurrent loans | 257.5758% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 2,924 |
| Noncurrent loans to loans | 0.6426% | 2,352 |
| Net loans and leases to total assets | 60.5834% | 3,627 |
| Net loans and leases to deposits | 68.8181% | 3,855 |
| Net loans and leases to core deposits | 68.8181% | 4,119 |
| Total domestic deposits to total assets | 88.0341% | 1,022 |
| Equity capital to assets | 11.4721% | 2,676 |
| Core capital (leverage) ratio | 11.7726% | 2,028 |
| Tier 1 risk-based capital ratio | 17.4422% | 1,961 |
| Total risk-based capital ratio | 18.6931% | 1,927 |
| Memoranda: | ||
| Average total assets | $48,962,750 | 4,836 |
| Average earning assets | $45,696,500 | 4,821 |
| Average equity | $5,479,750 | 4,895 |
| Average total loans | $29,352,500 | 4,719 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 1,620 |
| Cost of funding earning assets | 0.2853% | 4,859 |
| Net interest margin | 4.6618% | 536 |
| Noninterest income to average assets | 0.3950% | 3,299 |
| Noninterest expense to average assets | 2.5591% | 3,307 |
| Loan and lease loss provision to assets | 0.1234% | 1,512 |
| Net operating income to assets | 2.0818% | 341 |
| Return on assets (ROA) | 2.0818% | 353 |
| Pretax return on assets | 2.0818% | 577 |
| Return on Equity (ROE) | 18.7627% | 333 |
| Retained earnings to average equity (ytd only) | 9.3072% | 958 |
| Net charge-offs to loans | -0.1109% | 5,018 |
| Credit loss provision to net charge-offs | -187.5000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7133% | 4,504 |
| Assets per employee ($millions) | 4.3467% | 3,374 |
| Cash dividends to net income (ytd only)* | 50.3953% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 835 |
| Loan loss allowance to noncurrent loans | 98.0695% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 1,261 |
| Noncurrent loans to loans | 1.7245% | 884 |
| Net loans and leases to total assets | 61.7602% | 3,573 |
| Net loans and leases to deposits | 71.0163% | 3,765 |
| Net loans and leases to core deposits | 71.0163% | 4,059 |
| Total domestic deposits to total assets | 86.9662% | 1,609 |
| Equity capital to assets | 11.5782% | 2,545 |
| Core capital (leverage) ratio | 11.4093% | 2,237 |
| Tier 1 risk-based capital ratio | 16.8794% | 2,123 |
| Total risk-based capital ratio | 18.1316% | 2,065 |
| Memoranda: | ||
| Average total assets | $48,611,330 | 4,877 |
| Average earning assets | $45,561,330 | 4,860 |
| Average equity | $5,393,670 | 4,937 |
| Average total loans | $28,866,000 | 4,768 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6763% | 2,302 |
| Cost of funding earning assets | 0.2781% | 4,906 |
| Net interest margin | 4.3982% | 910 |
| Noninterest income to average assets | 0.5223% | 2,422 |
| Noninterest expense to average assets | 2.4648% | 3,596 |
| Loan and lease loss provision to assets | 0.1224% | 1,432 |
| Net operating income to assets | 2.0649% | 348 |
| Return on assets (ROA) | 2.0649% | 363 |
| Pretax return on assets | 2.0649% | 567 |
| Return on Equity (ROE) | 19.0136% | 329 |
| Retained earnings to average equity (ytd only) | 7.7407% | 1,758 |
| Net charge-offs to loans | -0.1980% | 5,169 |
| Credit loss provision to net charge-offs | -107.1429% | 3,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9825% | 4,619 |
| Assets per employee ($millions) | 4.4895% | 3,206 |
| Cash dividends to net income (ytd only)* | 59.2885% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7904% | 717 |
| Loan loss allowance to noncurrent loans | 96.0861% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.0347% | 1,348 |
| Noncurrent loans to loans | 1.8633% | 818 |
| Net loans and leases to total assets | 54.5379% | 4,168 |
| Net loans and leases to deposits | 61.3900% | 4,339 |
| Net loans and leases to core deposits | 61.3900% | 4,513 |
| Total domestic deposits to total assets | 88.8385% | 940 |
| Equity capital to assets | 10.8922% | 2,961 |
| Core capital (leverage) ratio | 11.1001% | 2,476 |
| Tier 1 risk-based capital ratio | 17.9270% | 1,812 |
| Total risk-based capital ratio | 19.1801% | 1,774 |
| Memoranda: | ||
| Average total assets | $49,010,000 | 4,921 |
| Average earning assets | $46,019,000 | 4,902 |
| Average equity | $5,322,500 | 4,988 |
| Average total loans | $28,280,000 | 4,830 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8491% | 1,429 |
| Cost of funding earning assets | 0.2509% | 4,801 |
| Net interest margin | 4.5981% | 606 |
| Noninterest income to average assets | 0.4804% | 2,943 |
| Noninterest expense to average assets | 2.8335% | 2,570 |
| Loan and lease loss provision to assets | 0.1281% | 1,716 |
| Net operating income to assets | 1.7445% | 624 |
| Return on assets (ROA) | 1.7445% | 618 |
| Pretax return on assets | 1.7445% | 1,057 |
| Return on Equity (ROE) | 16.0202% | 630 |
| Retained earnings to average equity (ytd only) | 6.2159% | 2,083 |
| Net charge-offs to loans | 0.1956% | 982 |
| Credit loss provision to net charge-offs | 105.2632% | 2,419 |
| Earnings coverage of net charge-offs (x) | 15.3860% | 2,328 |
| Efficiency ratio | 60.2087% | 3,821 |
| Assets per employee ($millions) | 4.4215% | 3,281 |
| Cash dividends to net income (ytd only)* | 61.1995% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 1,057 |
| Loan loss allowance to noncurrent loans | 148.5531% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 1,415 |
| Noncurrent loans to loans | 1.0674% | 1,527 |
| Net loans and leases to total assets | 58.9563% | 3,878 |
| Net loans and leases to deposits | 66.3596% | 4,091 |
| Net loans and leases to core deposits | 66.3596% | 4,333 |
| Total domestic deposits to total assets | 88.8437% | 925 |
| Equity capital to assets | 10.8274% | 2,869 |
| Core capital (leverage) ratio | 11.0610% | 2,469 |
| Tier 1 risk-based capital ratio | 16.7296% | 2,158 |
| Total risk-based capital ratio | 17.9821% | 2,103 |
| Memoranda: | ||
| Average total assets | $46,832,400 | 5,000 |
| Average earning assets | $43,039,200 | 4,991 |
| Average equity | $5,099,800 | 5,039 |
| Average total loans | $29,143,000 | 4,838 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 1,315 |
| Cost of funding earning assets | 0.2453% | 4,813 |
| Net interest margin | 4.5978% | 598 |
| Noninterest income to average assets | 0.5117% | 2,793 |
| Noninterest expense to average assets | 2.8258% | 2,548 |
| Loan and lease loss provision to assets | 0.1294% | 1,558 |
| Net operating income to assets | 1.7593% | 650 |
| Return on assets (ROA) | 1.7593% | 652 |
| Pretax return on assets | 1.7593% | 1,111 |
| Return on Equity (ROE) | 16.1317% | 676 |
| Retained earnings to average equity (ytd only) | 8.2240% | 1,548 |
| Net charge-offs to loans | -0.0732% | 5,070 |
| Credit loss provision to net charge-offs | -281.2500% | 4,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9390% | 3,821 |
| Assets per employee ($millions) | 4.2649% | 3,484 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7694% | 768 |
| Loan loss allowance to noncurrent loans | 129.0323% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 1,168 |
| Noncurrent loans to loans | 1.3713% | 1,215 |
| Net loans and leases to total assets | 61.5360% | 3,693 |
| Net loans and leases to deposits | 69.6511% | 3,947 |
| Net loans and leases to core deposits | 69.6511% | 4,216 |
| Total domestic deposits to total assets | 88.3489% | 1,099 |
| Equity capital to assets | 11.1971% | 2,476 |
| Core capital (leverage) ratio | 11.2903% | 2,338 |
| Tier 1 risk-based capital ratio | 16.5385% | 2,262 |
| Total risk-based capital ratio | 17.7905% | 2,203 |
| Memoranda: | ||
| Average total assets | $46,381,500 | 5,060 |
| Average earning assets | $42,396,250 | 5,065 |
| Average equity | $5,058,250 | 5,101 |
| Average total loans | $29,144,750 | 4,893 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6484% | 1,647 |
| Cost of funding earning assets | 0.2322% | 4,835 |
| Net interest margin | 4.4162% | 823 |
| Noninterest income to average assets | 0.4458% | 3,181 |
| Noninterest expense to average assets | 2.8482% | 2,509 |
| Loan and lease loss provision to assets | 0.1299% | 1,525 |
| Net operating income to assets | 1.5020% | 1,160 |
| Return on assets (ROA) | 1.5020% | 1,158 |
| Pretax return on assets | 1.5020% | 1,810 |
| Return on Equity (ROE) | 13.8985% | 1,101 |
| Retained earnings to average equity (ytd only) | 4.8865% | 3,129 |
| Net charge-offs to loans | -0.0551% | 4,952 |
| Credit loss provision to net charge-offs | -375.0000% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5749% | 3,375 |
| Assets per employee ($millions) | 4.2502% | 3,496 |
| Cash dividends to net income (ytd only)* | 64.8415% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 842 |
| Loan loss allowance to noncurrent loans | 56.3986% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.2288% | 432 |
| Noncurrent loans to loans | 3.0793% | 357 |
| Net loans and leases to total assets | 60.2691% | 3,779 |
| Net loans and leases to deposits | 67.8506% | 4,029 |
| Net loans and leases to core deposits | 68.2632% | 4,240 |
| Total domestic deposits to total assets | 88.8261% | 1,005 |
| Equity capital to assets | 10.8295% | 2,806 |
| Core capital (leverage) ratio | 11.1235% | 2,418 |
| Tier 1 risk-based capital ratio | 16.6525% | 2,207 |
| Total risk-based capital ratio | 17.9044% | 2,156 |
| Memoranda: | ||
| Average total assets | $46,204,000 | 5,120 |
| Average earning assets | $42,208,000 | 5,123 |
| Average equity | $4,993,330 | 5,163 |
| Average total loans | $29,063,330 | 4,945 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5678% | 1,669 |
| Cost of funding earning assets | 0.2094% | 4,958 |
| Net interest margin | 4.3584% | 839 |
| Noninterest income to average assets | 0.4703% | 2,994 |
| Noninterest expense to average assets | 2.7172% | 2,986 |
| Loan and lease loss provision to assets | 0.1306% | 1,449 |
| Net operating income to assets | 1.6111% | 833 |
| Return on assets (ROA) | 1.6111% | 836 |
| Pretax return on assets | 1.6111% | 1,360 |
| Return on Equity (ROE) | 14.9239% | 814 |
| Retained earnings to average equity (ytd only) | 2.8234% | 4,061 |
| Net charge-offs to loans | -0.0684% | 5,101 |
| Credit loss provision to net charge-offs | -300.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9375% | 3,952 |
| Assets per employee ($millions) | 4.2082% | 3,635 |
| Cash dividends to net income (ytd only)* | 81.0811% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 1,063 |
| Loan loss allowance to noncurrent loans | 61.5385% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 2.0285% | 553 |
| Noncurrent loans to loans | 2.6740% | 481 |
| Net loans and leases to total assets | 61.9788% | 3,551 |
| Net loans and leases to deposits | 69.6427% | 3,817 |
| Net loans and leases to core deposits | 70.0696% | 4,078 |
| Total domestic deposits to total assets | 88.9955% | 1,089 |
| Equity capital to assets | 10.7475% | 2,824 |
| Core capital (leverage) ratio | 11.0558% | 2,380 |
| Tier 1 risk-based capital ratio | 16.4217% | 2,305 |
| Total risk-based capital ratio | 17.6745% | 2,247 |
| Memoranda: | ||
| Average total assets | $45,930,000 | 5,188 |
| Average earning assets | $42,033,500 | 5,186 |
| Average equity | $4,958,500 | 5,227 |
| Average total loans | $29,257,500 | 4,986 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6203% | 1,369 |
| Cost of funding earning assets | 0.1118% | 5,446 |
| Net interest margin | 4.5086% | 597 |
| Noninterest income to average assets | 0.4060% | 3,598 |
| Noninterest expense to average assets | 2.7192% | 3,064 |
| Loan and lease loss provision to assets | 0.1361% | 1,683 |
| Net operating income to assets | 1.6669% | 564 |
| Return on assets (ROA) | 1.6669% | 581 |
| Pretax return on assets | 1.6669% | 1,106 |
| Return on Equity (ROE) | 15.2832% | 571 |
| Retained earnings to average equity (ytd only) | 6.3004% | 1,381 |
| Net charge-offs to loans | 0.2870% | 915 |
| Credit loss provision to net charge-offs | 77.9221% | 2,976 |
| Earnings coverage of net charge-offs (x) | 10.3247% | 2,689 |
| Efficiency ratio | 60.1304% | 4,244 |
| Assets per employee ($millions) | 4.5570% | 3,100 |
| Cash dividends to net income (ytd only)* | 58.7755% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 1,233 |
| Loan loss allowance to noncurrent loans | 126.7956% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 1,483 |
| Noncurrent loans to loans | 1.2336% | 1,432 |
| Net loans and leases to total assets | 63.3882% | 3,441 |
| Net loans and leases to deposits | 71.3834% | 3,751 |
| Net loans and leases to core deposits | 71.8271% | 4,058 |
| Total domestic deposits to total assets | 88.7996% | 1,085 |
| Equity capital to assets | 10.8449% | 2,785 |
| Core capital (leverage) ratio | 10.9766% | 2,361 |
| Tier 1 risk-based capital ratio | 16.7122% | 2,192 |
| Total risk-based capital ratio | 17.9658% | 2,138 |
| Memoranda: | ||
| Average total assets | $44,093,200 | 5,271 |
| Average earning assets | $40,256,800 | 5,270 |
| Average equity | $4,809,200 | 5,303 |
| Average total loans | $26,826,200 | 5,101 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 1,465 |
| Cost of funding earning assets | 0.1135% | 5,505 |
| Net interest margin | 4.4500% | 666 |
| Noninterest income to average assets | 0.4269% | 3,506 |
| Noninterest expense to average assets | 2.7505% | 2,897 |
| Loan and lease loss provision to assets | 0.1372% | 1,562 |
| Net operating income to assets | 1.6040% | 711 |
| Return on assets (ROA) | 1.6040% | 729 |
| Pretax return on assets | 1.6040% | 1,407 |
| Return on Equity (ROE) | 14.6843% | 705 |
| Retained earnings to average equity (ytd only) | 7.9841% | 1,231 |
| Net charge-offs to loans | -0.6108% | 5,670 |
| Credit loss provision to net charge-offs | -37.5000% | 4,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2356% | 4,006 |
| Assets per employee ($millions) | 4.4515% | 3,238 |
| Cash dividends to net income (ytd only)* | 45.6268% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2819% | 352 |
| Loan loss allowance to noncurrent loans | 90.4090% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.5927% | 931 |
| Noncurrent loans to loans | 2.5239% | 601 |
| Net loans and leases to total assets | 61.6646% | 3,689 |
| Net loans and leases to deposits | 69.7462% | 3,983 |
| Net loans and leases to core deposits | 70.1920% | 4,230 |
| Total domestic deposits to total assets | 88.4129% | 1,165 |
| Equity capital to assets | 11.0951% | 2,768 |
| Core capital (leverage) ratio | 11.1286% | 2,346 |
| Tier 1 risk-based capital ratio | 17.2611% | 2,074 |
| Total risk-based capital ratio | 18.5223% | 2,026 |
| Memoranda: | ||
| Average total assets | $43,724,000 | 5,336 |
| Average earning assets | $39,939,500 | 5,333 |
| Average equity | $4,776,000 | 5,369 |
| Average total loans | $26,196,500 | 5,175 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5186% | 1,471 |
| Cost of funding earning assets | 0.1111% | 5,556 |
| Net interest margin | 4.4075% | 691 |
| Noninterest income to average assets | 0.3774% | 3,853 |
| Noninterest expense to average assets | 2.7381% | 2,964 |
| Loan and lease loss provision to assets | 0.1381% | 1,495 |
| Net operating income to assets | 1.5186% | 833 |
| Return on assets (ROA) | 1.5186% | 855 |
| Pretax return on assets | 1.5186% | 1,570 |
| Return on Equity (ROE) | 13.9781% | 815 |
| Retained earnings to average equity (ytd only) | 6.9891% | 1,596 |
| Net charge-offs to loans | -0.8997% | 5,727 |
| Credit loss provision to net charge-offs | -26.0870% | 4,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3037% | 3,942 |
| Assets per employee ($millions) | 4.3877% | 3,290 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3858% | 329 |
| Loan loss allowance to noncurrent loans | 100.1613% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.5840% | 942 |
| Noncurrent loans to loans | 2.3820% | 657 |
| Net loans and leases to total assets | 57.9073% | 4,045 |
| Net loans and leases to deposits | 65.3481% | 4,270 |
| Net loans and leases to core deposits | 65.3481% | 4,517 |
| Total domestic deposits to total assets | 88.6136% | 1,154 |
| Equity capital to assets | 10.9807% | 2,829 |
| Core capital (leverage) ratio | 11.1695% | 2,254 |
| Tier 1 risk-based capital ratio | 16.4276% | 2,352 |
| Total risk-based capital ratio | 17.6849% | 2,295 |
| Memoranda: | ||
| Average total assets | $43,460,330 | 5,382 |
| Average earning assets | $39,614,330 | 5,379 |
| Average equity | $4,721,670 | 5,416 |
| Average total loans | $25,565,000 | 5,228 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5377% | 1,282 |
| Cost of funding earning assets | 0.1114% | 5,609 |
| Net interest margin | 4.4263% | 613 |
| Noninterest income to average assets | 0.2867% | 4,499 |
| Noninterest expense to average assets | 2.7652% | 2,907 |
| Loan and lease loss provision to assets | 0.1387% | 1,369 |
| Net operating income to assets | 1.4242% | 949 |
| Return on assets (ROA) | 1.4242% | 975 |
| Pretax return on assets | 1.4242% | 1,793 |
| Return on Equity (ROE) | 13.1807% | 961 |
| Retained earnings to average equity (ytd only) | 4.6218% | 3,105 |
| Net charge-offs to loans | -1.7369% | 5,805 |
| Credit loss provision to net charge-offs | -13.6364% | 3,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8889% | 3,856 |
| Assets per employee ($millions) | 4.3354% | 3,447 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3431% | 387 |
| Loan loss allowance to noncurrent loans | 123.6626% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 1.2940% | 1,313 |
| Noncurrent loans to loans | 1.8947% | 960 |
| Net loans and leases to total assets | 57.7778% | 3,996 |
| Net loans and leases to deposits | 65.0539% | 4,248 |
| Net loans and leases to core deposits | 65.0539% | 4,485 |
| Total domestic deposits to total assets | 88.8153% | 1,247 |
| Equity capital to assets | 10.8502% | 2,796 |
| Core capital (leverage) ratio | 11.0569% | 2,303 |
| Tier 1 risk-based capital ratio | 16.1495% | 2,484 |
| Total risk-based capital ratio | 17.4079% | 2,436 |
| Memoranda: | ||
| Average total assets | $43,252,000 | 5,440 |
| Average earning assets | $39,491,500 | 5,441 |
| Average equity | $4,673,500 | 5,479 |
| Average total loans | $25,333,000 | 5,289 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 1,433 |
| Cost of funding earning assets | 0.1139% | 5,638 |
| Net interest margin | 4.4215% | 740 |
| Noninterest income to average assets | 0.4521% | 3,530 |
| Noninterest expense to average assets | 2.9807% | 2,405 |
| Loan and lease loss provision to assets | 0.2901% | 658 |
| Net operating income to assets | 1.2160% | 1,449 |
| Return on assets (ROA) | 1.2160% | 1,538 |
| Pretax return on assets | 1.2160% | 2,605 |
| Return on Equity (ROE) | 10.9572% | 1,592 |
| Retained earnings to average equity (ytd only) | 3.0715% | 3,713 |
| Net charge-offs to loans | 0.2892% | 955 |
| Credit loss provision to net charge-offs | 169.0141% | 1,636 |
| Earnings coverage of net charge-offs (x) | 8.7746% | 2,835 |
| Efficiency ratio | 66.4332% | 3,523 |
| Assets per employee ($millions) | 4.3150% | 3,416 |
| Cash dividends to net income (ytd only)* | 71.9682% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9028% | 800 |
| Loan loss allowance to noncurrent loans | 99.3737% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.2839% | 1,382 |
| Noncurrent loans to loans | 1.9148% | 961 |
| Net loans and leases to total assets | 56.8714% | 4,182 |
| Net loans and leases to deposits | 64.0347% | 4,412 |
| Net loans and leases to core deposits | 64.0347% | 4,632 |
| Total domestic deposits to total assets | 88.8134% | 1,200 |
| Equity capital to assets | 10.7601% | 2,855 |
| Core capital (leverage) ratio | 10.6603% | 2,709 |
| Tier 1 risk-based capital ratio | 17.6558% | 1,963 |
| Total risk-based capital ratio | 18.9109% | 1,924 |
| Memoranda: | ||
| Average total assets | $41,365,800 | 5,517 |
| Average earning assets | $37,747,400 | 5,515 |
| Average equity | $4,590,600 | 5,539 |
| Average total loans | $24,552,000 | 5,370 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 1,408 |
| Cost of funding earning assets | 0.1177% | 5,684 |
| Net interest margin | 4.4312% | 733 |
| Noninterest income to average assets | 0.4953% | 3,285 |
| Noninterest expense to average assets | 3.0302% | 2,230 |
| Loan and lease loss provision to assets | 0.2933% | 582 |
| Net operating income to assets | 1.2186% | 1,579 |
| Return on assets (ROA) | 1.2186% | 1,673 |
| Pretax return on assets | 1.2186% | 2,760 |
| Return on Equity (ROE) | 10.8935% | 1,708 |
| Retained earnings to average equity (ytd only) | 5.8255% | 2,285 |
| Net charge-offs to loans | -0.0327% | 5,196 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7145% | 3,468 |
| Assets per employee ($millions) | 4.1548% | 3,683 |
| Cash dividends to net income (ytd only)* | 46.5236% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1024% | 604 |
| Loan loss allowance to noncurrent loans | 92.0775% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.5476% | 1,139 |
| Noncurrent loans to loans | 2.2833% | 808 |
| Net loans and leases to total assets | 58.6141% | 4,034 |
| Net loans and leases to deposits | 66.5746% | 4,296 |
| Net loans and leases to core deposits | 66.5746% | 4,568 |
| Total domestic deposits to total assets | 88.0427% | 1,383 |
| Equity capital to assets | 11.3676% | 2,635 |
| Core capital (leverage) ratio | 11.1775% | 2,289 |
| Tier 1 risk-based capital ratio | 18.2479% | 1,850 |
| Total risk-based capital ratio | 19.5055% | 1,819 |
| Memoranda: | ||
| Average total assets | $40,919,750 | 5,580 |
| Average earning assets | $37,370,500 | 5,577 |
| Average equity | $4,577,500 | 5,600 |
| Average total loans | $24,436,000 | 5,424 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5081% | 1,484 |
| Cost of funding earning assets | 0.1184% | 5,762 |
| Net interest margin | 4.3898% | 781 |
| Noninterest income to average assets | 0.3095% | 4,563 |
| Noninterest expense to average assets | 3.1589% | 1,907 |
| Loan and lease loss provision to assets | 0.2948% | 619 |
| Net operating income to assets | 0.8646% | 3,028 |
| Return on assets (ROA) | 0.8646% | 3,144 |
| Pretax return on assets | 0.8646% | 4,069 |
| Return on Equity (ROE) | 7.7721% | 3,107 |
| Retained earnings to average equity (ytd only) | 1.8547% | 4,630 |
| Net charge-offs to loans | -0.0412% | 5,286 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1513% | 2,491 |
| Assets per employee ($millions) | 4.1734% | 3,611 |
| Cash dividends to net income (ytd only)* | 76.1364% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9570% | 806 |
| Loan loss allowance to noncurrent loans | 153.2710% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2412% | 1,652 |
| Noncurrent loans to loans | 1.2768% | 1,779 |
| Net loans and leases to total assets | 59.0598% | 4,005 |
| Net loans and leases to deposits | 66.6198% | 4,296 |
| Net loans and leases to core deposits | 66.6198% | 4,563 |
| Total domestic deposits to total assets | 88.6519% | 1,085 |
| Equity capital to assets | 10.9479% | 3,114 |
| Core capital (leverage) ratio | 11.3378% | 2,111 |
| Tier 1 risk-based capital ratio | 17.7180% | 2,008 |
| Total risk-based capital ratio | 18.9741% | 1,965 |
| Memoranda: | ||
| Average total assets | $40,710,330 | 5,647 |
| Average earning assets | $37,177,330 | 5,644 |
| Average equity | $4,529,000 | 5,669 |
| Average total loans | $24,289,330 | 5,490 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 1,457 |
| Cost of funding earning assets | 0.1089% | 5,875 |
| Net interest margin | 4.4100% | 723 |
| Noninterest income to average assets | 0.3184% | 4,449 |
| Noninterest expense to average assets | 3.2638% | 1,681 |
| Loan and lease loss provision to assets | 0.2985% | 529 |
| Net operating income to assets | 0.7861% | 3,312 |
| Return on assets (ROA) | 0.7861% | 3,422 |
| Pretax return on assets | 0.7861% | 4,246 |
| Return on Equity (ROE) | 7.0082% | 3,451 |
| Retained earnings to average equity (ytd only) | -1.8629% | 5,373 |
| Net charge-offs to loans | -0.0503% | 5,332 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0572% | 2,323 |
| Assets per employee ($millions) | 4.0225% | 3,908 |
| Cash dividends to net income (ytd only)* | 126.5823% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9422% | 904 |
| Loan loss allowance to noncurrent loans | 129.9435% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.3947% | 1,489 |
| Noncurrent loans to loans | 1.4947% | 1,572 |
| Net loans and leases to total assets | 57.7352% | 4,072 |
| Net loans and leases to deposits | 65.2121% | 4,318 |
| Net loans and leases to core deposits | 65.2121% | 4,603 |
| Total domestic deposits to total assets | 88.5345% | 1,340 |
| Equity capital to assets | 11.1846% | 2,740 |
| Core capital (leverage) ratio | 11.1287% | 2,286 |
| Tier 1 risk-based capital ratio | 18.2895% | 1,912 |
| Total risk-based capital ratio | 19.5433% | 1,870 |
| Memoranda: | ||
| Average total assets | $40,198,500 | 5,716 |
| Average earning assets | $36,735,000 | 5,708 |
| Average equity | $4,509,000 | 5,718 |
| Average total loans | $23,864,000 | 5,555 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 1,978 |
| Cost of funding earning assets | 0.1176% | 5,890 |
| Net interest margin | 4.2594% | 1,045 |
| Noninterest income to average assets | 0.5367% | 3,094 |
| Noninterest expense to average assets | 3.1061% | 2,218 |
| Loan and lease loss provision to assets | 0.2982% | 580 |
| Net operating income to assets | 1.0039% | 2,343 |
| Return on assets (ROA) | 1.0039% | 2,435 |
| Pretax return on assets | 1.0039% | 3,462 |
| Return on Equity (ROE) | 9.0542% | 2,428 |
| Retained earnings to average equity (ytd only) | 4.1685% | 3,024 |
| Net charge-offs to loans | 0.5863% | 413 |
| Credit loss provision to net charge-offs | 88.2353% | 2,789 |
| Earnings coverage of net charge-offs (x) | 3.8529% | 3,649 |
| Efficiency ratio | 70.4622% | 3,150 |
| Assets per employee ($millions) | 4.0172% | 3,909 |
| Cash dividends to net income (ytd only)* | 53.9604% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 1,179 |
| Loan loss allowance to noncurrent loans | 98.1609% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.1501% | 1,898 |
| Noncurrent loans to loans | 1.8092% | 1,211 |
| Net loans and leases to total assets | 58.7897% | 3,992 |
| Net loans and leases to deposits | 66.6018% | 4,260 |
| Net loans and leases to core deposits | 66.6018% | 4,541 |
| Total domestic deposits to total assets | 88.2704% | 1,497 |
| Equity capital to assets | 11.2491% | 2,591 |
| Core capital (leverage) ratio | 11.4289% | 2,014 |
| Tier 1 risk-based capital ratio | 17.5962% | 2,094 |
| Total risk-based capital ratio | 18.8511% | 2,041 |
| Memoranda: | ||
| Average total assets | $40,243,000 | 5,760 |
| Average earning assets | $36,577,600 | 5,754 |
| Average equity | $4,462,000 | 5,764 |
| Average total loans | $23,195,800 | 5,618 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3668% | 2,025 |
| Cost of funding earning assets | 0.1205% | 5,976 |
| Net interest margin | 4.2463% | 1,062 |
| Noninterest income to average assets | 0.5563% | 3,013 |
| Noninterest expense to average assets | 3.0765% | 2,278 |
| Loan and lease loss provision to assets | 0.2981% | 497 |
| Net operating income to assets | 1.0332% | 2,311 |
| Return on assets (ROA) | 1.0332% | 2,401 |
| Pretax return on assets | 1.0332% | 3,489 |
| Return on Equity (ROE) | 9.3528% | 2,383 |
| Retained earnings to average equity (ytd only) | 5.6058% | 2,521 |
| Net charge-offs to loans | 0.1914% | 1,335 |
| Credit loss provision to net charge-offs | 272.7273% | 1,060 |
| Earnings coverage of net charge-offs (x) | 12.1816% | 2,428 |
| Efficiency ratio | 69.7971% | 3,241 |
| Assets per employee ($millions) | 3.9644% | 3,944 |
| Cash dividends to net income (ytd only)* | 40.0635% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0863% | 794 |
| Loan loss allowance to noncurrent loans | 73.3138% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.8086% | 1,182 |
| Noncurrent loans to loans | 2.8457% | 646 |
| Net loans and leases to total assets | 59.1918% | 3,982 |
| Net loans and leases to deposits | 67.2822% | 4,257 |
| Net loans and leases to core deposits | 67.2822% | 4,606 |
| Total domestic deposits to total assets | 87.9755% | 1,574 |
| Equity capital to assets | 11.4166% | 2,567 |
| Core capital (leverage) ratio | 11.3163% | 2,177 |
| Tier 1 risk-based capital ratio | 16.5573% | 2,543 |
| Total risk-based capital ratio | 17.8112% | 2,500 |
| Memoranda: | ||
| Average total assets | $40,260,750 | 5,834 |
| Average earning assets | $36,517,250 | 5,835 |
| Average equity | $4,447,750 | 5,848 |
| Average total loans | $22,983,750 | 5,694 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2899% | 2,201 |
| Cost of funding earning assets | 0.1196% | 6,046 |
| Net interest margin | 4.1703% | 1,169 |
| Noninterest income to average assets | 0.5535% | 3,019 |
| Noninterest expense to average assets | 2.9308% | 2,782 |
| Loan and lease loss provision to assets | 0.2965% | 525 |
| Net operating income to assets | 1.1170% | 1,886 |
| Return on assets (ROA) | 1.1170% | 1,972 |
| Pretax return on assets | 1.1170% | 3,102 |
| Return on Equity (ROE) | 10.2224% | 1,967 |
| Retained earnings to average equity (ytd only) | 4.5684% | 3,127 |
| Net charge-offs to loans | -0.0883% | 5,739 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4630% | 3,752 |
| Assets per employee ($millions) | 4.0743% | 3,736 |
| Cash dividends to net income (ytd only)* | 55.3097% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2244% | 713 |
| Loan loss allowance to noncurrent loans | 78.2012% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.7819% | 1,300 |
| Noncurrent loans to loans | 2.8445% | 723 |
| Net loans and leases to total assets | 55.3445% | 4,402 |
| Net loans and leases to deposits | 62.4540% | 4,666 |
| Net loans and leases to core deposits | 62.4540% | 4,909 |
| Total domestic deposits to total assets | 88.6164% | 1,352 |
| Equity capital to assets | 10.8902% | 3,002 |
| Core capital (leverage) ratio | 10.8339% | 2,575 |
| Tier 1 risk-based capital ratio | 17.9174% | 2,088 |
| Total risk-based capital ratio | 19.1755% | 2,040 |
| Memoranda: | ||
| Average total assets | $40,466,330 | 5,894 |
| Average earning assets | $36,783,670 | 5,890 |
| Average equity | $4,421,670 | 5,915 |
| Average total loans | $22,656,330 | 5,756 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2128% | 2,403 |
| Cost of funding earning assets | 0.1201% | 6,115 |
| Net interest margin | 4.0928% | 1,294 |
| Noninterest income to average assets | 0.7737% | 1,815 |
| Noninterest expense to average assets | 2.6880% | 3,631 |
| Loan and lease loss provision to assets | 0.2976% | 495 |
| Net operating income to assets | 1.5076% | 834 |
| Return on assets (ROA) | 1.5076% | 887 |
| Pretax return on assets | 1.5076% | 1,545 |
| Return on Equity (ROE) | 13.7744% | 921 |
| Retained earnings to average equity (ytd only) | 13.7744% | 374 |
| Net charge-offs to loans | -0.0534% | 5,550 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8234% | 5,113 |
| Assets per employee ($millions) | 4.0828% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1068% | 916 |
| Loan loss allowance to noncurrent loans | 54.2759% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.2827% | 990 |
| Noncurrent loans to loans | 3.8817% | 458 |
| Net loans and leases to total assets | 54.1712% | 4,423 |
| Net loans and leases to deposits | 61.1254% | 4,647 |
| Net loans and leases to core deposits | 61.1254% | 4,905 |
| Total domestic deposits to total assets | 88.6230% | 1,485 |
| Equity capital to assets | 10.9998% | 2,967 |
| Core capital (leverage) ratio | 11.2132% | 2,223 |
| Tier 1 risk-based capital ratio | 19.7183% | 1,687 |
| Total risk-based capital ratio | 20.9771% | 1,646 |
| Memoranda: | ||
| Average total assets | $40,328,000 | 5,953 |
| Average earning assets | $36,650,000 | 5,948 |
| Average equity | $4,414,000 | 5,969 |
| Average total loans | $22,453,500 | 5,807 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 2,046 |
| Cost of funding earning assets | 0.1335% | 6,183 |
| Net interest margin | 4.3215% | 1,019 |
| Noninterest income to average assets | 0.3687% | 4,442 |
| Noninterest expense to average assets | 3.0218% | 2,780 |
| Loan and lease loss provision to assets | 0.4733% | 341 |
| Net operating income to assets | 0.7449% | 3,651 |
| Return on assets (ROA) | 0.7449% | 3,752 |
| Pretax return on assets | 0.7449% | 4,464 |
| Return on Equity (ROE) | 7.0020% | 3,635 |
| Retained earnings to average equity (ytd only) | 5.8311% | 2,037 |
| Net charge-offs to loans | 1.0212% | 289 |
| Credit loss provision to net charge-offs | 84.4444% | 2,775 |
| Earnings coverage of net charge-offs (x) | 2.1733% | 4,230 |
| Efficiency ratio | 71.2691% | 3,331 |
| Assets per employee ($millions) | 3.9828% | 3,998 |
| Cash dividends to net income (ytd only)* | 16.7224% | 3,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9853% | 1,135 |
| Loan loss allowance to noncurrent loans | 50.3409% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 2.9828% | 679 |
| Noncurrent loans to loans | 3.9437% | 479 |
| Net loans and leases to total assets | 54.9136% | 4,461 |
| Net loans and leases to deposits | 61.9329% | 4,732 |
| Net loans and leases to core deposits | 61.9329% | 5,001 |
| Total domestic deposits to total assets | 88.6663% | 1,435 |
| Equity capital to assets | 10.8893% | 3,027 |
| Core capital (leverage) ratio | 10.5309% | 2,911 |
| Tier 1 risk-based capital ratio | 17.8276% | 2,192 |
| Total risk-based capital ratio | 19.0839% | 2,160 |
| Memoranda: | ||
| Average total assets | $40,141,200 | 6,033 |
| Average earning assets | $35,959,400 | 6,035 |
| Average equity | $4,270,200 | 6,036 |
| Average total loans | $22,032,800 | 5,883 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 1,856 |
| Cost of funding earning assets | 0.1335% | 6,274 |
| Net interest margin | 4.3712% | 925 |
| Noninterest income to average assets | 0.3845% | 4,360 |
| Noninterest expense to average assets | 3.0101% | 2,774 |
| Loan and lease loss provision to assets | 0.1989% | 1,198 |
| Net operating income to assets | 1.0840% | 2,095 |
| Return on assets (ROA) | 1.0840% | 2,164 |
| Pretax return on assets | 1.0840% | 3,250 |
| Return on Equity (ROE) | 10.2501% | 2,090 |
| Retained earnings to average equity (ytd only) | 10.2501% | 647 |
| Net charge-offs to loans | 0.2975% | 1,330 |
| Credit loss provision to net charge-offs | 122.4490% | 1,884 |
| Earnings coverage of net charge-offs (x) | 7.8982% | 2,877 |
| Efficiency ratio | 70.1158% | 3,487 |
| Assets per employee ($millions) | 4.0071% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1832% | 969 |
| Loan loss allowance to noncurrent loans | 54.2730% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 3.4838% | 620 |
| Noncurrent loans to loans | 4.0227% | 523 |
| Net loans and leases to total assets | 54.6755% | 4,494 |
| Net loans and leases to deposits | 61.8008% | 4,757 |
| Net loans and leases to core deposits | 61.8008% | 5,047 |
| Total domestic deposits to total assets | 88.4705% | 1,515 |
| Equity capital to assets | 11.0279% | 2,927 |
| Core capital (leverage) ratio | 11.0385% | 2,453 |
| Tier 1 risk-based capital ratio | 17.8460% | 2,259 |
| Total risk-based capital ratio | 18.6642% | 2,387 |
| Memoranda: | ||
| Average total assets | $40,219,500 | 6,105 |
| Average earning assets | $35,962,000 | 6,111 |
| Average equity | $4,253,500 | 6,103 |
| Average total loans | $21,962,500 | 5,950 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 1,816 |
| Cost of funding earning assets | 0.1334% | 6,343 |
| Net interest margin | 4.3699% | 901 |
| Noninterest income to average assets | 0.2384% | 5,489 |
| Noninterest expense to average assets | 3.0942% | 2,524 |
| Loan and lease loss provision to assets | 0.1490% | 1,658 |
| Net operating income to assets | 0.8990% | 2,816 |
| Return on assets (ROA) | 0.8990% | 2,910 |
| Pretax return on assets | 0.8990% | 3,894 |
| Return on Equity (ROE) | 8.6225% | 2,770 |
| Retained earnings to average equity (ytd only) | 8.6225% | 1,105 |
| Net charge-offs to loans | 0.3575% | 1,145 |
| Credit loss provision to net charge-offs | 76.9231% | 2,367 |
| Earnings coverage of net charge-offs (x) | 5.4103% | 2,932 |
| Efficiency ratio | 74.7002% | 2,856 |
| Assets per employee ($millions) | 3.9345% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0823% | 1,219 |
| Loan loss allowance to noncurrent loans | 54.4084% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 3.3956% | 698 |
| Noncurrent loans to loans | 3.8272% | 642 |
| Net loans and leases to total assets | 56.0529% | 4,276 |
| Net loans and leases to deposits | 63.1974% | 4,574 |
| Net loans and leases to core deposits | 63.1974% | 4,888 |
| Total domestic deposits to total assets | 88.6949% | 1,540 |
| Equity capital to assets | 10.8730% | 3,008 |
| Core capital (leverage) ratio | 10.8815% | 2,548 |
| Tier 1 risk-based capital ratio | 17.2581% | 2,513 |
| Total risk-based capital ratio | 18.5181% | 2,467 |
| Memoranda: | ||
| Average total assets | $40,269,000 | 6,166 |
| Average earning assets | $35,973,670 | 6,170 |
| Average equity | $4,198,330 | 6,158 |
| Average total loans | $21,817,330 | 5,999 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 2,395 |
| Cost of funding earning assets | 0.1423% | 6,393 |
| Net interest margin | 4.1915% | 1,243 |
| Noninterest income to average assets | 0.1964% | 5,789 |
| Noninterest expense to average assets | 2.7203% | 3,870 |
| Loan and lease loss provision to assets | 0.1473% | 1,653 |
| Net operating income to assets | 1.0901% | 1,851 |
| Return on assets (ROA) | 1.0901% | 1,915 |
| Pretax return on assets | 1.0901% | 2,958 |
| Return on Equity (ROE) | 10.6769% | 1,794 |
| Retained earnings to average equity (ytd only) | 10.6769% | 801 |
| Net charge-offs to loans | 0.7268% | 477 |
| Credit loss provision to net charge-offs | 38.4615% | 2,310 |
| Earnings coverage of net charge-offs (x) | 3.2308% | 2,717 |
| Efficiency ratio | 68.7345% | 4,058 |
| Assets per employee ($millions) | 4.4879% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0548% | 1,405 |
| Loan loss allowance to noncurrent loans | 60.4527% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 3.0329% | 937 |
| Noncurrent loans to loans | 3.3990% | 877 |
| Net loans and leases to total assets | 53.5788% | 4,476 |
| Net loans and leases to deposits | 59.9839% | 4,761 |
| Net loans and leases to core deposits | 59.9839% | 5,036 |
| Total domestic deposits to total assets | 89.3219% | 1,461 |
| Equity capital to assets | 10.4182% | 3,333 |
| Core capital (leverage) ratio | 10.3610% | 3,102 |
| Tier 1 risk-based capital ratio | 17.1665% | 2,611 |
| Total risk-based capital ratio | 18.4243% | 2,565 |
| Memoranda: | ||
| Average total assets | $40,731,000 | 6,214 |
| Average earning assets | $36,550,000 | 6,220 |
| Average equity | $4,158,500 | 6,209 |
| Average total loans | $21,464,500 | 6,071 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1408% | 3,577 |
| Cost of funding earning assets | 0.1568% | 6,512 |
| Net interest margin | 3.9840% | 1,996 |
| Noninterest income to average assets | 0.2762% | 5,378 |
| Noninterest expense to average assets | 2.9316% | 3,274 |
| Loan and lease loss provision to assets | 0.1429% | 2,518 |
| Net operating income to assets | 0.7716% | 3,438 |
| Return on assets (ROA) | 0.7716% | 3,531 |
| Pretax return on assets | 0.7716% | 4,260 |
| Return on Equity (ROE) | 8.1711% | 2,943 |
| Retained earnings to average equity (ytd only) | 8.1711% | 998 |
| Net charge-offs to loans | 0.4734% | 1,406 |
| Credit loss provision to net charge-offs | 65.9341% | 3,406 |
| Earnings coverage of net charge-offs (x) | 4.2198% | 3,631 |
| Efficiency ratio | 76.2229% | 2,737 |
| Assets per employee ($millions) | 4.1071% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2943% | 1,042 |
| Loan loss allowance to noncurrent loans | 56.7696% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 3.1701% | 971 |
| Noncurrent loans to loans | 4.0415% | 715 |
| Net loans and leases to total assets | 49.5630% | 5,133 |
| Net loans and leases to deposits | 55.3092% | 5,367 |
| Net loans and leases to core deposits | 55.3092% | 5,594 |
| Total domestic deposits to total assets | 89.6107% | 1,268 |
| Equity capital to assets | 10.0046% | 3,765 |
| Core capital (leverage) ratio | 9.7462% | 3,917 |
| Tier 1 risk-based capital ratio | 16.9253% | 2,643 |
| Total risk-based capital ratio | 18.1826% | 2,600 |
| Memoranda: | ||
| Average total assets | $41,991,400 | 6,227 |
| Average earning assets | $37,625,600 | 6,231 |
| Average equity | $3,965,200 | 6,336 |
| Average total loans | $19,223,200 | 6,241 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 3,786 |
| Cost of funding earning assets | 0.1621% | 6,586 |
| Net interest margin | 3.9318% | 2,169 |
| Noninterest income to average assets | 0.2905% | 5,370 |
| Noninterest expense to average assets | 2.8831% | 3,363 |
| Loan and lease loss provision to assets | 0.1421% | 2,509 |
| Net operating income to assets | 0.7895% | 3,401 |
| Return on assets (ROA) | 0.7895% | 3,533 |
| Pretax return on assets | 0.7895% | 4,333 |
| Return on Equity (ROE) | 8.4833% | 2,886 |
| Retained earnings to average equity (ytd only) | 8.4833% | 1,228 |
| Net charge-offs to loans | 0.0921% | 3,642 |
| Credit loss provision to net charge-offs | 346.1538% | 747 |
| Earnings coverage of net charge-offs (x) | 22.6959% | 1,484 |
| Efficiency ratio | 75.5795% | 2,792 |
| Assets per employee ($millions) | 4.1470% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7749% | 689 |
| Loan loss allowance to noncurrent loans | 60.5145% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 3.8944% | 816 |
| Noncurrent loans to loans | 4.5856% | 700 |
| Net loans and leases to total assets | 45.7077% | 5,575 |
| Net loans and leases to deposits | 50.8572% | 5,783 |
| Net loans and leases to core deposits | 50.8572% | 5,963 |
| Total domestic deposits to total assets | 89.8746% | 1,073 |
| Equity capital to assets | 9.7468% | 4,245 |
| Core capital (leverage) ratio | 9.4472% | 4,480 |
| Tier 1 risk-based capital ratio | 16.5778% | 2,906 |
| Total risk-based capital ratio | 17.8390% | 2,864 |
| Memoranda: | ||
| Average total assets | $42,221,500 | 6,292 |
| Average earning assets | $37,844,000 | 6,306 |
| Average equity | $3,929,250 | 6,419 |
| Average total loans | $18,820,500 | 6,325 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0438% | 3,947 |
| Cost of funding earning assets | 0.1630% | 6,660 |
| Net interest margin | 3.8808% | 2,270 |
| Noninterest income to average assets | 0.2354% | 5,759 |
| Noninterest expense to average assets | 2.9290% | 3,242 |
| Loan and lease loss provision to assets | 0.1413% | 2,564 |
| Net operating income to assets | 0.6404% | 4,106 |
| Return on assets (ROA) | 0.6404% | 4,250 |
| Pretax return on assets | 0.6404% | 4,876 |
| Return on Equity (ROE) | 6.9893% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.9893% | 1,901 |
| Net charge-offs to loans | 0.0753% | 3,638 |
| Credit loss provision to net charge-offs | 428.5714% | 625 |
| Earnings coverage of net charge-offs (x) | 23.7143% | 1,321 |
| Efficiency ratio | 78.9340% | 2,312 |
| Assets per employee ($millions) | 4.1754% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7897% | 715 |
| Loan loss allowance to noncurrent loans | 31.1475% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 6.0665% | 446 |
| Noncurrent loans to loans | 8.9565% | 201 |
| Net loans and leases to total assets | 44.3981% | 5,705 |
| Net loans and leases to deposits | 49.1529% | 5,912 |
| Net loans and leases to core deposits | 49.1529% | 6,071 |
| Total domestic deposits to total assets | 90.3267% | 844 |
| Equity capital to assets | 9.4003% | 4,720 |
| Core capital (leverage) ratio | 9.2767% | 4,584 |
| Tier 1 risk-based capital ratio | 16.1150% | 3,132 |
| Total risk-based capital ratio | 17.3785% | 3,068 |
| Memoranda: | ||
| Average total assets | $42,472,000 | 6,333 |
| Average earning assets | $38,033,330 | 6,343 |
| Average equity | $3,891,670 | 6,477 |
| Average total loans | $18,595,330 | 6,371 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9650% | 4,249 |
| Cost of funding earning assets | 0.1769% | 6,690 |
| Net interest margin | 3.7881% | 2,495 |
| Noninterest income to average assets | 0.2988% | 5,311 |
| Noninterest expense to average assets | 2.5309% | 4,651 |
| Loan and lease loss provision to assets | 0.1401% | 2,490 |
| Net operating income to assets | 1.0273% | 2,114 |
| Return on assets (ROA) | 1.0273% | 2,227 |
| Pretax return on assets | 1.0273% | 3,231 |
| Return on Equity (ROE) | 11.3548% | 1,600 |
| Retained earnings to average equity (ytd only) | 11.3548% | 806 |
| Net charge-offs to loans | 0.0436% | 3,421 |
| Credit loss provision to net charge-offs | 750.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 572 |
| Efficiency ratio | 68.4343% | 4,232 |
| Assets per employee ($millions) | 4.6842% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8490% | 776 |
| Loan loss allowance to noncurrent loans | 68.8158% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 4.3005% | 879 |
| Noncurrent loans to loans | 4.1401% | 1,068 |
| Net loans and leases to total assets | 42.3028% | 5,824 |
| Net loans and leases to deposits | 46.7446% | 6,008 |
| Net loans and leases to core deposits | 46.7446% | 6,163 |
| Total domestic deposits to total assets | 90.4977% | 769 |
| Equity capital to assets | 9.3031% | 5,126 |
| Core capital (leverage) ratio | 9.1940% | 4,578 |
| Tier 1 risk-based capital ratio | 16.1879% | 3,164 |
| Total risk-based capital ratio | 17.4483% | 3,106 |
| Memoranda: | ||
| Average total assets | $42,831,000 | 6,375 |
| Average earning assets | $38,436,500 | 6,387 |
| Average equity | $3,875,000 | 6,543 |
| Average total loans | $18,358,000 | 6,438 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1102% | 4,910 |
| Cost of funding earning assets | 0.3181% | 6,369 |
| Net interest margin | 3.7920% | 3,259 |
| Noninterest income to average assets | 0.4427% | 4,298 |
| Noninterest expense to average assets | 2.4339% | 5,306 |
| Loan and lease loss provision to assets | 0.4172% | 1,531 |
| Net operating income to assets | 1.0176% | 2,266 |
| Return on assets (ROA) | 1.0176% | 2,478 |
| Pretax return on assets | 1.0176% | 3,482 |
| Return on Equity (ROE) | 12.2598% | 1,427 |
| Retained earnings to average equity (ytd only) | 12.2598% | 302 |
| Net charge-offs to loans | 1.1767% | 864 |
| Credit loss provision to net charge-offs | 82.1918% | 3,756 |
| Earnings coverage of net charge-offs (x) | 2.8265% | 4,016 |
| Efficiency ratio | 62.9119% | 5,098 |
| Assets per employee ($millions) | 4.8338% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7779% | 842 |
| Loan loss allowance to noncurrent loans | 61.8182% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 4.2525% | 993 |
| Noncurrent loans to loans | 4.4937% | 950 |
| Net loans and leases to total assets | 41.0284% | 6,096 |
| Net loans and leases to deposits | 45.0573% | 6,302 |
| Net loans and leases to core deposits | 45.0573% | 6,417 |
| Total domestic deposits to total assets | 91.0583% | 474 |
| Equity capital to assets | 8.7992% | 5,748 |
| Core capital (leverage) ratio | 8.3508% | 5,824 |
| Tier 1 risk-based capital ratio | 18.8466% | 1,999 |
| Total risk-based capital ratio | 20.1114% | 1,966 |
| Memoranda: | ||
| Average total assets | $43,141,400 | 6,394 |
| Average earning assets | $38,976,400 | 6,394 |
| Average equity | $3,580,800 | 6,670 |
| Average total loans | $18,611,000 | 6,485 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 5,085 |
| Cost of funding earning assets | 0.3490% | 6,379 |
| Net interest margin | 3.7804% | 3,420 |
| Noninterest income to average assets | 0.3221% | 5,205 |
| Noninterest expense to average assets | 2.4745% | 5,166 |
| Loan and lease loss provision to assets | 0.5575% | 1,030 |
| Net operating income to assets | 0.7123% | 3,863 |
| Return on assets (ROA) | 0.7123% | 4,100 |
| Pretax return on assets | 0.7123% | 4,819 |
| Return on Equity (ROE) | 8.7144% | 2,940 |
| Retained earnings to average equity (ytd only) | 8.7144% | 1,341 |
| Net charge-offs to loans | 1.1924% | 821 |
| Credit loss provision to net charge-offs | 107.7844% | 2,728 |
| Earnings coverage of net charge-offs (x) | 2.4551% | 4,057 |
| Efficiency ratio | 66.0877% | 4,440 |
| Assets per employee ($millions) | 4.8589% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9877% | 722 |
| Loan loss allowance to noncurrent loans | 33.0583% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 4.5415% | 1,012 |
| Noncurrent loans to loans | 9.0377% | 305 |
| Net loans and leases to total assets | 41.6556% | 6,152 |
| Net loans and leases to deposits | 45.6324% | 6,413 |
| Net loans and leases to core deposits | 45.6324% | 6,530 |
| Total domestic deposits to total assets | 91.2852% | 336 |
| Equity capital to assets | 8.2987% | 6,418 |
| Core capital (leverage) ratio | 7.8044% | 6,466 |
| Tier 1 risk-based capital ratio | 16.9407% | 2,764 |
| Total risk-based capital ratio | 18.2075% | 2,715 |
| Memoranda: | ||
| Average total assets | $43,050,750 | 6,466 |
| Average earning assets | $38,972,500 | 6,468 |
| Average equity | $3,519,000 | 6,766 |
| Average total loans | $18,674,000 | 6,569 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1438% | 5,150 |
| Cost of funding earning assets | 0.3890% | 6,334 |
| Net interest margin | 3.7549% | 3,565 |
| Noninterest income to average assets | 0.1915% | 6,187 |
| Noninterest expense to average assets | 2.4052% | 5,441 |
| Loan and lease loss provision to assets | 0.5604% | 1,092 |
| Net operating income to assets | 0.6071% | 4,339 |
| Return on assets (ROA) | 0.6071% | 4,592 |
| Pretax return on assets | 0.6071% | 5,111 |
| Return on Equity (ROE) | 7.4663% | 3,540 |
| Retained earnings to average equity (ytd only) | 7.4663% | 1,892 |
| Net charge-offs to loans | 0.7940% | 1,387 |
| Credit loss provision to net charge-offs | 162.1622% | 1,718 |
| Earnings coverage of net charge-offs (x) | 3.3784% | 3,395 |
| Efficiency ratio | 67.3203% | 4,271 |
| Assets per employee ($millions) | 4.9661% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1766% | 660 |
| Loan loss allowance to noncurrent loans | 35.4627% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 4.6157% | 1,054 |
| Noncurrent loans to loans | 8.9577% | 344 |
| Net loans and leases to total assets | 40.5079% | 6,308 |
| Net loans and leases to deposits | 44.1510% | 6,550 |
| Net loans and leases to core deposits | 44.1510% | 6,658 |
| Total domestic deposits to total assets | 91.7485% | 271 |
| Equity capital to assets | 7.9181% | 6,625 |
| Core capital (leverage) ratio | 7.7561% | 6,479 |
| Tier 1 risk-based capital ratio | 13.9726% | 4,467 |
| Total risk-based capital ratio | 15.2388% | 4,423 |
| Memoranda: | ||
| Average total assets | $42,824,330 | 6,514 |
| Average earning assets | $38,563,330 | 6,528 |
| Average equity | $3,482,330 | 6,812 |
| Average total loans | $18,639,670 | 6,616 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 4,298 |
| Cost of funding earning assets | 0.4814% | 5,932 |
| Net interest margin | 3.9263% | 2,817 |
| Noninterest income to average assets | 0.1432% | 6,520 |
| Noninterest expense to average assets | 2.3682% | 5,575 |
| Loan and lease loss provision to assets | 0.5729% | 1,007 |
| Net operating income to assets | 0.7066% | 3,854 |
| Return on assets (ROA) | 0.7066% | 4,073 |
| Pretax return on assets | 0.7066% | 4,768 |
| Return on Equity (ROE) | 8.5698% | 3,018 |
| Retained earnings to average equity (ytd only) | 8.5698% | 1,749 |
| Net charge-offs to loans | 0.5588% | 1,689 |
| Credit loss provision to net charge-offs | 230.7692% | 1,213 |
| Earnings coverage of net charge-offs (x) | 5.1538% | 2,425 |
| Efficiency ratio | 64.9215% | 4,758 |
| Assets per employee ($millions) | 5.3794% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1344% | 726 |
| Loan loss allowance to noncurrent loans | 30.1448% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 5.9370% | 799 |
| Noncurrent loans to loans | 10.3978% | 278 |
| Net loans and leases to total assets | 41.8659% | 6,205 |
| Net loans and leases to deposits | 45.6936% | 6,452 |
| Net loans and leases to core deposits | 46.3472% | 6,546 |
| Total domestic deposits to total assets | 91.6231% | 341 |
| Equity capital to assets | 8.1097% | 6,445 |
| Core capital (leverage) ratio | 8.0264% | 6,233 |
| Tier 1 risk-based capital ratio | 13.7412% | 4,649 |
| Total risk-based capital ratio | 15.0063% | 4,626 |
| Memoranda: | ||
| Average total assets | $41,889,000 | 6,608 |
| Average earning assets | $37,389,000 | 6,627 |
| Average equity | $3,454,000 | 6,860 |
| Average total loans | $18,610,000 | 6,680 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 4,057 |
| Cost of funding earning assets | 0.7558% | 5,167 |
| Net interest margin | 3.9885% | 2,942 |
| Noninterest income to average assets | 0.2026% | 6,053 |
| Noninterest expense to average assets | 2.6883% | 4,787 |
| Loan and lease loss provision to assets | 1.4875% | 501 |
| Net operating income to assets | -0.4003% | 6,418 |
| Return on assets (ROA) | -0.4003% | 6,467 |
| Pretax return on assets | -0.4003% | 6,421 |
| Return on Equity (ROE) | -4.2551% | 6,486 |
| Retained earnings to average equity (ytd only) | -9.6396% | 6,688 |
| Net charge-offs to loans | 3.4132% | 233 |
| Credit loss provision to net charge-offs | 91.7683% | 3,933 |
| Earnings coverage of net charge-offs (x) | 0.6707% | 5,315 |
| Efficiency ratio | 71.2042% | 3,747 |
| Assets per employee ($millions) | 5.0929% | 2,082 |
| Cash dividends to net income (ytd only)* | -126.5432% | 7,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9431% | 857 |
| Loan loss allowance to noncurrent loans | 30.8732% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 5.9299% | 829 |
| Noncurrent loans to loans | 9.5328% | 349 |
| Net loans and leases to total assets | 44.3561% | 6,176 |
| Net loans and leases to deposits | 48.6120% | 6,454 |
| Net loans and leases to core deposits | 49.3460% | 6,564 |
| Total domestic deposits to total assets | 91.2451% | 411 |
| Equity capital to assets | 8.3892% | 6,259 |
| Core capital (leverage) ratio | 8.1600% | 6,057 |
| Tier 1 risk-based capital ratio | 13.7649% | 4,506 |
| Total risk-based capital ratio | 15.0272% | 4,461 |
| Memoranda: | ||
| Average total assets | $40,471,200 | 6,658 |
| Average earning assets | $36,253,800 | 6,668 |
| Average equity | $3,807,200 | 6,803 |
| Average total loans | $19,219,600 | 6,699 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 3,662 |
| Cost of funding earning assets | 0.8130% | 5,068 |
| Net interest margin | 4.0613% | 2,639 |
| Noninterest income to average assets | 0.2145% | 6,074 |
| Noninterest expense to average assets | 2.0856% | 6,522 |
| Loan and lease loss provision to assets | 0.0990% | 5,219 |
| Net operating income to assets | 1.6896% | 649 |
| Return on assets (ROA) | 1.6962% | 697 |
| Pretax return on assets | 1.6962% | 1,156 |
| Return on Equity (ROE) | 17.5521% | 505 |
| Retained earnings to average equity (ytd only) | 10.5517% | 714 |
| Net charge-offs to loans | 0.2685% | 3,763 |
| Credit loss provision to net charge-offs | 76.9231% | 4,241 |
| Earnings coverage of net charge-offs (x) | 13.8971% | 1,575 |
| Efficiency ratio | 53.8330% | 6,505 |
| Assets per employee ($millions) | 5.0341% | 2,147 |
| Cash dividends to net income (ytd only)* | 39.8836% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1041% | 794 |
| Loan loss allowance to noncurrent loans | 36.3358% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 5.8352% | 930 |
| Noncurrent loans to loans | 8.5427% | 494 |
| Net loans and leases to total assets | 45.9638% | 6,154 |
| Net loans and leases to deposits | 51.3040% | 6,427 |
| Net loans and leases to core deposits | 52.1011% | 6,558 |
| Total domestic deposits to total assets | 89.5910% | 1,097 |
| Equity capital to assets | 10.1830% | 4,113 |
| Core capital (leverage) ratio | 9.5886% | 4,013 |
| Tier 1 risk-based capital ratio | 16.5505% | 2,838 |
| Total risk-based capital ratio | 17.8157% | 2,793 |
| Memoranda: | ||
| Average total assets | $40,403,250 | 6,716 |
| Average earning assets | $36,407,500 | 6,725 |
| Average equity | $3,904,500 | 6,833 |
| Average total loans | $19,369,500 | 6,757 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7798% | 4,171 |
| Cost of funding earning assets | 0.8945% | 4,713 |
| Net interest margin | 3.8853% | 3,381 |
| Noninterest income to average assets | 0.1483% | 6,586 |
| Noninterest expense to average assets | 2.0966% | 6,600 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5527% | 800 |
| Return on assets (ROA) | 1.5527% | 853 |
| Pretax return on assets | 1.5527% | 1,373 |
| Return on Equity (ROE) | 16.3584% | 625 |
| Retained earnings to average equity (ytd only) | 5.6786% | 2,606 |
| Net charge-offs to loans | 0.2261% | 3,769 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 14.2727% | 1,490 |
| Efficiency ratio | 57.4526% | 6,236 |
| Assets per employee ($millions) | 5.1288% | 1,957 |
| Cash dividends to net income (ytd only)* | 65.2866% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0348% | 864 |
| Loan loss allowance to noncurrent loans | 42.9525% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 5.0353% | 1,215 |
| Noncurrent loans to loans | 7.0654% | 725 |
| Net loans and leases to total assets | 45.0890% | 6,345 |
| Net loans and leases to deposits | 49.9568% | 6,599 |
| Net loans and leases to core deposits | 50.7419% | 6,729 |
| Total domestic deposits to total assets | 90.2559% | 834 |
| Equity capital to assets | 9.5077% | 4,805 |
| Core capital (leverage) ratio | 9.1084% | 4,553 |
| Tier 1 risk-based capital ratio | 15.9130% | 3,026 |
| Total risk-based capital ratio | 17.1768% | 2,988 |
| Memoranda: | ||
| Average total assets | $40,446,670 | 6,773 |
| Average earning assets | $36,445,000 | 6,782 |
| Average equity | $3,839,000 | 6,890 |
| Average total loans | $19,458,000 | 6,816 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 3,661 |
| Cost of funding earning assets | 0.9638% | 4,470 |
| Net interest margin | 3.9215% | 3,036 |
| Noninterest income to average assets | 0.1395% | 6,714 |
| Noninterest expense to average assets | 1.9624% | 6,889 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7034% | 574 |
| Return on assets (ROA) | 1.7034% | 609 |
| Pretax return on assets | 1.7034% | 976 |
| Return on Equity (ROE) | 17.9622% | 487 |
| Retained earnings to average equity (ytd only) | 7.9832% | 1,741 |
| Net charge-offs to loans | -0.0407% | 6,823 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5326% | 6,737 |
| Assets per employee ($millions) | 5.0069% | 2,152 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1173% | 827 |
| Loan loss allowance to noncurrent loans | 36.2328% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 5.5149% | 1,096 |
| Noncurrent loans to loans | 8.6034% | 537 |
| Net loans and leases to total assets | 46.8656% | 6,205 |
| Net loans and leases to deposits | 52.0029% | 6,479 |
| Net loans and leases to core deposits | 56.0158% | 6,410 |
| Total domestic deposits to total assets | 90.1211% | 1,085 |
| Equity capital to assets | 9.6143% | 4,296 |
| Core capital (leverage) ratio | 9.2368% | 4,231 |
| Tier 1 risk-based capital ratio | 15.7753% | 3,012 |
| Total risk-based capital ratio | 17.0431% | 2,962 |
| Memoranda: | ||
| Average total assets | $40,155,000 | 6,827 |
| Average earning assets | $36,108,500 | 6,841 |
| Average equity | $3,808,000 | 6,932 |
| Average total loans | $19,647,500 | 6,859 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6744% | 1,667 |
| Cost of funding earning assets | 1.2318% | 4,345 |
| Net interest margin | 4.4426% | 1,370 |
| Noninterest income to average assets | 0.2208% | 6,228 |
| Noninterest expense to average assets | 2.8104% | 4,563 |
| Loan and lease loss provision to assets | 0.6756% | 2,438 |
| Net operating income to assets | 0.7361% | 3,067 |
| Return on assets (ROA) | 0.7361% | 3,193 |
| Pretax return on assets | 0.7361% | 3,843 |
| Return on Equity (ROE) | 7.2829% | 2,992 |
| Retained earnings to average equity (ytd only) | 4.2917% | 2,836 |
| Net charge-offs to loans | 1.2574% | 1,784 |
| Credit loss provision to net charge-offs | 100.7843% | 4,514 |
| Earnings coverage of net charge-offs (x) | 2.1059% | 4,143 |
| Efficiency ratio | 66.5629% | 4,853 |
| Assets per employee ($millions) | 5.0319% | 2,113 |
| Cash dividends to net income (ytd only)* | 41.0714% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0222% | 853 |
| Loan loss allowance to noncurrent loans | 42.1569% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 4.3945% | 1,519 |
| Noncurrent loans to loans | 7.1690% | 775 |
| Net loans and leases to total assets | 47.9866% | 6,393 |
| Net loans and leases to deposits | 53.1988% | 6,662 |
| Net loans and leases to core deposits | 54.0441% | 6,811 |
| Total domestic deposits to total assets | 90.2025% | 988 |
| Equity capital to assets | 9.3529% | 4,613 |
| Core capital (leverage) ratio | 9.1193% | 4,316 |
| Tier 1 risk-based capital ratio | 15.1373% | 3,178 |
| Total risk-based capital ratio | 16.4036% | 3,111 |
| Memoranda: | ||
| Average total assets | $38,037,800 | 6,933 |
| Average earning assets | $34,259,400 | 6,940 |
| Average equity | $3,844,600 | 7,045 |
| Average total loans | $20,280,600 | 6,907 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8277% | 1,317 |
| Cost of funding earning assets | 1.2719% | 4,423 |
| Net interest margin | 4.5559% | 1,141 |
| Noninterest income to average assets | 0.1992% | 6,470 |
| Noninterest expense to average assets | 2.1520% | 6,734 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.1627% | 257 |
| Return on assets (ROA) | 2.1627% | 274 |
| Pretax return on assets | 2.1627% | 441 |
| Return on Equity (ROE) | 20.9768% | 257 |
| Retained earnings to average equity (ytd only) | 17.0092% | 135 |
| Net charge-offs to loans | -0.1440% | 7,593 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8763% | 7,165 |
| Assets per employee ($millions) | 4.8240% | 2,416 |
| Cash dividends to net income (ytd only)* | 18.9145% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0637% | 779 |
| Loan loss allowance to noncurrent loans | 28.5452% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 6.5584% | 861 |
| Noncurrent loans to loans | 10.7329% | 365 |
| Net loans and leases to total assets | 50.9950% | 6,221 |
| Net loans and leases to deposits | 57.3460% | 6,520 |
| Net loans and leases to core deposits | 58.3509% | 6,709 |
| Total domestic deposits to total assets | 88.9252% | 1,432 |
| Equity capital to assets | 10.7768% | 3,196 |
| Core capital (leverage) ratio | 10.2006% | 3,043 |
| Tier 1 risk-based capital ratio | 17.4039% | 2,203 |
| Total risk-based capital ratio | 18.6703% | 2,160 |
| Memoranda: | ||
| Average total assets | $37,483,500 | 7,036 |
| Average earning assets | $33,860,250 | 7,033 |
| Average equity | $3,864,500 | 7,127 |
| Average total loans | $20,371,000 | 6,993 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9293% | 1,109 |
| Cost of funding earning assets | 1.2898% | 4,597 |
| Net interest margin | 4.6395% | 915 |
| Noninterest income to average assets | 0.1293% | 6,945 |
| Noninterest expense to average assets | 2.1447% | 6,779 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.1717% | 249 |
| Return on assets (ROA) | 2.1717% | 271 |
| Pretax return on assets | 2.1717% | 428 |
| Return on Equity (ROE) | 21.4001% | 237 |
| Retained earnings to average equity (ytd only) | 16.3554% | 180 |
| Net charge-offs to loans | -0.0785% | 7,523 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6879% | 7,247 |
| Assets per employee ($millions) | 4.7550% | 2,497 |
| Cash dividends to net income (ytd only)* | 23.5732% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0022% | 818 |
| Loan loss allowance to noncurrent loans | 44.3796% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 4.6583% | 1,403 |
| Noncurrent loans to loans | 6.7648% | 860 |
| Net loans and leases to total assets | 51.6404% | 6,249 |
| Net loans and leases to deposits | 57.7969% | 6,590 |
| Net loans and leases to core deposits | 58.8108% | 6,779 |
| Total domestic deposits to total assets | 89.3481% | 1,257 |
| Equity capital to assets | 10.3312% | 3,611 |
| Core capital (leverage) ratio | 9.8552% | 3,335 |
| Tier 1 risk-based capital ratio | 16.9503% | 2,300 |
| Total risk-based capital ratio | 18.2177% | 2,244 |
| Memoranda: | ||
| Average total assets | $37,114,000 | 7,108 |
| Average earning assets | $33,494,670 | 7,094 |
| Average equity | $3,766,330 | 7,190 |
| Average total loans | $20,394,000 | 7,047 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8585% | 1,301 |
| Cost of funding earning assets | 1.2925% | 4,859 |
| Net interest margin | 4.5660% | 1,011 |
| Noninterest income to average assets | 0.1310% | 7,033 |
| Noninterest expense to average assets | 2.0627% | 7,031 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.1937% | 255 |
| Return on assets (ROA) | 2.1937% | 279 |
| Pretax return on assets | 2.1937% | 424 |
| Return on Equity (ROE) | 21.8211% | 284 |
| Retained earnings to average equity (ytd only) | 13.6789% | 542 |
| Net charge-offs to loans | -0.0977% | 7,518 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4615% | 7,408 |
| Assets per employee ($millions) | 4.5911% | 2,817 |
| Cash dividends to net income (ytd only)* | 37.3134% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9355% | 867 |
| Loan loss allowance to noncurrent loans | 40.1194% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 4.3453% | 1,565 |
| Noncurrent loans to loans | 7.3168% | 794 |
| Net loans and leases to total assets | 54.4665% | 5,968 |
| Net loans and leases to deposits | 60.8406% | 6,378 |
| Net loans and leases to core deposits | 65.4357% | 6,332 |
| Total domestic deposits to total assets | 89.5233% | 1,233 |
| Equity capital to assets | 10.1609% | 3,659 |
| Core capital (leverage) ratio | 9.9995% | 3,161 |
| Tier 1 risk-based capital ratio | 15.2679% | 2,977 |
| Total risk-based capital ratio | 16.5333% | 2,927 |
| Memoranda: | ||
| Average total assets | $36,651,000 | 7,211 |
| Average earning assets | $33,114,500 | 7,200 |
| Average equity | $3,684,500 | 7,294 |
| Average total loans | $20,465,000 | 7,132 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2266% | 1,172 |
| Cost of funding earning assets | 1.6226% | 4,920 |
| Net interest margin | 4.6040% | 976 |
| Noninterest income to average assets | 0.2021% | 6,658 |
| Noninterest expense to average assets | 2.6269% | 5,684 |
| Loan and lease loss provision to assets | 0.8996% | 2,503 |
| Net operating income to assets | 0.8304% | 2,413 |
| Return on assets (ROA) | 0.8304% | 2,498 |
| Pretax return on assets | 0.8304% | 3,149 |
| Return on Equity (ROE) | 8.2017% | 2,289 |
| Retained earnings to average equity (ytd only) | 5.7412% | 1,452 |
| Net charge-offs to loans | 1.0869% | 2,245 |
| Credit loss provision to net charge-offs | 144.4444% | 3,305 |
| Earnings coverage of net charge-offs (x) | 2.7778% | 3,701 |
| Efficiency ratio | 60.2922% | 6,442 |
| Assets per employee ($millions) | 4.5716% | 2,808 |
| Cash dividends to net income (ytd only)* | 30.0000% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9478% | 810 |
| Loan loss allowance to noncurrent loans | 42.7857% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 4.2901% | 1,526 |
| Noncurrent loans to loans | 6.8898% | 827 |
| Net loans and leases to total assets | 53.9223% | 6,209 |
| Net loans and leases to deposits | 60.2297% | 6,615 |
| Net loans and leases to core deposits | 64.8205% | 7,041 |
| Total domestic deposits to total assets | 89.5278% | 1,198 |
| Equity capital to assets | 9.9445% | 3,843 |
| Core capital (leverage) ratio | 9.5064% | 3,708 |
| Tier 1 risk-based capital ratio | 14.8927% | 3,010 |
| Total risk-based capital ratio | 16.1581% | 2,939 |
| Memoranda: | ||
| Average total assets | $36,126,000 | 7,242 |
| Average earning assets | $32,602,200 | 7,241 |
| Average equity | $3,657,800 | 7,401 |
| Average total loans | $20,700,200 | 7,154 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3094% | 1,115 |
| Cost of funding earning assets | 1.6787% | 5,013 |
| Net interest margin | 4.6307% | 938 |
| Noninterest income to average assets | 0.2073% | 6,741 |
| Noninterest expense to average assets | 2.1176% | 7,159 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.2768% | 156 |
| Return on assets (ROA) | 2.2768% | 172 |
| Pretax return on assets | 2.2768% | 298 |
| Return on Equity (ROE) | 22.3855% | 192 |
| Retained earnings to average equity (ytd only) | 19.1095% | 77 |
| Net charge-offs to loans | -0.2693% | 7,990 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1887% | 7,656 |
| Assets per employee ($millions) | 4.5133% | 2,840 |
| Cash dividends to net income (ytd only)* | 14.6345% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5838% | 982 |
| Loan loss allowance to noncurrent loans | 66.7488% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.7170% | 2,557 |
| Noncurrent loans to loans | 3.8709% | 1,914 |
| Net loans and leases to total assets | 56.5972% | 6,079 |
| Net loans and leases to deposits | 63.7996% | 6,508 |
| Net loans and leases to core deposits | 66.9934% | 7,117 |
| Total domestic deposits to total assets | 88.7110% | 1,334 |
| Equity capital to assets | 10.9345% | 3,076 |
| Core capital (leverage) ratio | 10.4239% | 2,854 |
| Tier 1 risk-based capital ratio | 16.4218% | 2,465 |
| Total risk-based capital ratio | 17.6854% | 2,398 |
| Memoranda: | ||
| Average total assets | $36,014,250 | 7,309 |
| Average earning assets | $32,564,500 | 7,305 |
| Average equity | $3,663,000 | 7,459 |
| Average total loans | $20,795,250 | 7,213 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3641% | 1,069 |
| Cost of funding earning assets | 1.7205% | 5,173 |
| Net interest margin | 4.6436% | 886 |
| Noninterest income to average assets | 0.1223% | 7,369 |
| Noninterest expense to average assets | 2.1788% | 7,106 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.1287% | 223 |
| Return on assets (ROA) | 2.1287% | 243 |
| Pretax return on assets | 2.1287% | 407 |
| Return on Equity (ROE) | 21.4686% | 262 |
| Retained earnings to average equity (ytd only) | 19.2265% | 82 |
| Net charge-offs to loans | -0.3569% | 8,085 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5806% | 7,624 |
| Assets per employee ($millions) | 4.5351% | 2,715 |
| Cash dividends to net income (ytd only)* | 10.4439% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5614% | 848 |
| Loan loss allowance to noncurrent loans | 64.2005% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 2.3097% | 2,817 |
| Noncurrent loans to loans | 3.9897% | 1,706 |
| Net loans and leases to total assets | 56.4097% | 6,163 |
| Net loans and leases to deposits | 63.1160% | 6,644 |
| Net loans and leases to core deposits | 66.5410% | 7,187 |
| Total domestic deposits to total assets | 89.3746% | 1,095 |
| Equity capital to assets | 10.2037% | 3,716 |
| Core capital (leverage) ratio | 9.9493% | 3,348 |
| Tier 1 risk-based capital ratio | 15.5494% | 2,798 |
| Total risk-based capital ratio | 16.8143% | 2,719 |
| Memoranda: | ||
| Average total assets | $35,983,670 | 7,377 |
| Average earning assets | $32,432,000 | 7,382 |
| Average equity | $3,568,000 | 7,549 |
| Average total loans | $20,734,670 | 7,283 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5371% | 806 |
| Cost of funding earning assets | 1.8089% | 5,074 |
| Net interest margin | 4.7282% | 727 |
| Noninterest income to average assets | 0.1228% | 7,410 |
| Noninterest expense to average assets | 1.8753% | 7,596 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.4780% | 142 |
| Return on assets (ROA) | 2.4780% | 171 |
| Pretax return on assets | 2.4780% | 269 |
| Return on Equity (ROE) | 25.3642% | 175 |
| Retained earnings to average equity (ytd only) | 25.3642% | 75 |
| Net charge-offs to loans | 0.0388% | 4,963 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 111.0000% | 396 |
| Efficiency ratio | 43.0769% | 7,964 |
| Assets per employee ($millions) | 4.4481% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4469% | 808 |
| Loan loss allowance to noncurrent loans | 62.6884% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 2.2369% | 2,561 |
| Noncurrent loans to loans | 3.9033% | 1,564 |
| Net loans and leases to total assets | 55.9056% | 6,252 |
| Net loans and leases to deposits | 62.4929% | 6,692 |
| Net loans and leases to core deposits | 66.2537% | 7,228 |
| Total domestic deposits to total assets | 89.4590% | 1,026 |
| Equity capital to assets | 10.1391% | 3,839 |
| Core capital (leverage) ratio | 9.8253% | 3,608 |
| Tier 1 risk-based capital ratio | 15.5147% | 2,846 |
| Total risk-based capital ratio | 16.7758% | 2,779 |
| Memoranda: | ||
| Average total assets | $35,835,000 | 7,421 |
| Average earning assets | $32,063,000 | 7,439 |
| Average equity | $3,501,000 | 7,626 |
| Average total loans | $20,600,000 | 7,328 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3997% | 491 |
| Cost of funding earning assets | 2.5243% | 4,075 |
| Net interest margin | 4.8753% | 662 |
| Noninterest income to average assets | 0.2445% | 6,695 |
| Noninterest expense to average assets | 2.4676% | 6,139 |
| Loan and lease loss provision to assets | 1.0785% | 1,347 |
| Net operating income to assets | 1.1475% | 1,957 |
| Return on assets (ROA) | 1.1533% | 1,857 |
| Pretax return on assets | 1.1533% | 2,825 |
| Return on Equity (ROE) | 11.6057% | 1,711 |
| Retained earnings to average equity (ytd only) | -0.2315% | 5,355 |
| Net charge-offs to loans | 1.4071% | 836 |
| Credit loss provision to net charge-offs | 125.4181% | 4,259 |
| Earnings coverage of net charge-offs (x) | 2.5886% | 4,791 |
| Efficiency ratio | 52.5735% | 7,424 |
| Assets per employee ($millions) | 4.5106% | 2,600 |
| Cash dividends to net income (ytd only)* | 101.9950% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4030% | 761 |
| Loan loss allowance to noncurrent loans | 52.7983% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 3.0761% | 1,493 |
| Noncurrent loans to loans | 4.5514% | 1,043 |
| Net loans and leases to total assets | 56.2755% | 6,401 |
| Net loans and leases to deposits | 62.5794% | 6,905 |
| Net loans and leases to core deposits | 67.1040% | 7,324 |
| Total domestic deposits to total assets | 89.9266% | 675 |
| Equity capital to assets | 9.4056% | 4,813 |
| Core capital (leverage) ratio | 9.2307% | 4,389 |
| Tier 1 risk-based capital ratio | 15.0098% | 3,044 |
| Total risk-based capital ratio | 16.2712% | 2,948 |
| Memoranda: | ||
| Average total assets | $34,771,200 | 7,433 |
| Average earning assets | $31,731,200 | 7,421 |
| Average equity | $3,455,200 | 7,701 |
| Average total loans | $21,248,800 | 7,245 |