Home > First Heritage Bank > Performance and Condition Ratios
First Heritage Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 3,304 |
| Cost of funding earning assets | 1.4130% | 2,196 |
| Net interest margin | 2.9739% | 3,345 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.3156% | 2,807 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.6432% | 3,329 |
| Return on assets (ROA) | 0.6432% | 3,312 |
| Pretax return on assets | 0.6497% | 3,535 |
| Return on Equity (ROE) | 9.1500% | 2,720 |
| Retained earnings to average equity (ytd only) | 6.8149% | 1,951 |
| Net charge-offs to loans | 0.0025% | 2,706 |
| Credit loss provision to net charge-offs | 1,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 419.0000% | 336 |
| Efficiency ratio | 77.4610% | 1,119 |
| Assets per employee ($millions) | 7.0239% | 2,055 |
| Cash dividends to net income (ytd only)* | 25.5000% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 2,982 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.3800% | 1,882 |
| Net loans and leases to deposits | 81.6005% | 1,981 |
| Net loans and leases to core deposits | 85.0832% | 2,374 |
| Total domestic deposits to total assets | 85.0200% | 2,306 |
| Equity capital to assets | 7.6706% | 3,615 |
| Core capital (leverage) ratio | 9.0302% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8019% | 1,934 |
| Memoranda: | ||
| Average total assets | $62,185,600 | 4,186 |
| Average earning assets | $59,518,200 | 4,145 |
| Average equity | $4,372,800 | 4,317 |
| Average total loans | $40,442,800 | 3,989 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 3,438 |
| Cost of funding earning assets | 1.2458% | 2,290 |
| Net interest margin | 2.9706% | 3,399 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.2886% | 2,827 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6588% | 3,409 |
| Return on assets (ROA) | 0.6588% | 3,397 |
| Pretax return on assets | 0.6610% | 3,621 |
| Return on Equity (ROE) | 9.5900% | 2,771 |
| Retained earnings to average equity (ytd only) | 7.9927% | 1,970 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.7509% | 1,111 |
| Assets per employee ($millions) | 8.0158% | 1,339 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 2,961 |
| Loan loss allowance to noncurrent loans | 22,900.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 3,845 |
| Noncurrent loans to loans | 0.0047% | 3,779 |
| Net loans and leases to total assets | 65.3900% | 2,301 |
| Net loans and leases to deposits | 79.2527% | 2,119 |
| Net loans and leases to core deposits | 82.0437% | 2,463 |
| Total domestic deposits to total assets | 82.5100% | 3,115 |
| Equity capital to assets | 6.7820% | 3,712 |
| Core capital (leverage) ratio | 9.1005% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $61,928,250 | 4,207 |
| Average earning assets | $59,290,250 | 4,164 |
| Average equity | $4,253,750 | 4,342 |
| Average total loans | $39,470,750 | 4,018 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0385% | 3,608 |
| Cost of funding earning assets | 1.0548% | 2,435 |
| Net interest margin | 2.9836% | 3,472 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.3400% | 2,680 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.5981% | 3,574 |
| Return on assets (ROA) | 0.5981% | 3,580 |
| Pretax return on assets | 0.6046% | 3,793 |
| Return on Equity (ROE) | 8.6700% | 3,070 |
| Retained earnings to average equity (ytd only) | 6.2530% | 2,524 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.1659% | 990 |
| Assets per employee ($millions) | 6.9559% | 1,959 |
| Cash dividends to net income (ytd only)* | 27.8689% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 1,895 |
| Loan loss allowance to noncurrent loans | 26,600.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 3,855 |
| Noncurrent loans to loans | 0.0049% | 3,775 |
| Net loans and leases to total assets | 64.1100% | 2,370 |
| Net loans and leases to deposits | 76.8993% | 2,225 |
| Net loans and leases to core deposits | 78.0965% | 2,604 |
| Total domestic deposits to total assets | 83.3700% | 2,968 |
| Equity capital to assets | 6.8751% | 3,859 |
| Core capital (leverage) ratio | 9.0496% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $61,195,667 | 4,234 |
| Average earning assets | $58,586,667 | 4,192 |
| Average equity | $4,222,000 | 4,371 |
| Average total loans | $38,830,000 | 4,039 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 3,753 |
| Cost of funding earning assets | 0.8084% | 2,701 |
| Net interest margin | 3.0539% | 3,453 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.3937% | 2,551 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.5687% | 3,750 |
| Return on assets (ROA) | 0.5687% | 3,719 |
| Pretax return on assets | 0.5819% | 3,871 |
| Return on Equity (ROE) | 8.2300% | 3,237 |
| Retained earnings to average equity (ytd only) | 8.2277% | 2,159 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.8495% | 1,018 |
| Assets per employee ($millions) | 6.8178% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 1,702 |
| Loan loss allowance to noncurrent loans | 26,600.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 3,880 |
| Noncurrent loans to loans | 0.0052% | 3,809 |
| Net loans and leases to total assets | 61.9600% | 2,466 |
| Net loans and leases to deposits | 69.6698% | 2,640 |
| Net loans and leases to core deposits | 70.3141% | 2,934 |
| Total domestic deposits to total assets | 88.9300% | 1,571 |
| Equity capital to assets | 7.1072% | 3,778 |
| Core capital (leverage) ratio | 9.2903% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $60,492,000 | 4,303 |
| Average earning assets | $57,893,000 | 4,265 |
| Average equity | $4,181,000 | 4,436 |
| Average total loans | $37,912,500 | 4,107 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5393% | 2,976 |
| Cost of funding earning assets | 0.2973% | 2,899 |
| Net interest margin | 3.2420% | 2,730 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.2576% | 2,868 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9178% | 2,885 |
| Return on assets (ROA) | 0.9146% | 2,843 |
| Pretax return on assets | 0.9603% | 3,195 |
| Return on Equity (ROE) | 12.7100% | 1,903 |
| Retained earnings to average equity (ytd only) | 8.7823% | 1,540 |
| Net charge-offs to loans | 0.0028% | 2,393 |
| Credit loss provision to net charge-offs | 1,800.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 587.0000% | 295 |
| Efficiency ratio | 69.4271% | 1,763 |
| Assets per employee ($millions) | 6.6249% | 2,244 |
| Cash dividends to net income (ytd only)* | 30.9259% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 1,542 |
| Loan loss allowance to noncurrent loans | 17,233.3333% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 3,867 |
| Noncurrent loans to loans | 0.0080% | 3,798 |
| Net loans and leases to total assets | 61.6500% | 2,479 |
| Net loans and leases to deposits | 67.7104% | 2,746 |
| Net loans and leases to core deposits | 68.3398% | 2,989 |
| Total domestic deposits to total assets | 91.0500% | 940 |
| Equity capital to assets | 6.7104% | 3,808 |
| Core capital (leverage) ratio | 9.2237% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $59,044,400 | 4,342 |
| Average earning assets | $56,508,400 | 4,303 |
| Average equity | $4,247,200 | 4,503 |
| Average total loans | $35,164,000 | 4,154 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4508% | 2,774 |
| Cost of funding earning assets | 0.2271% | 2,961 |
| Net interest margin | 3.2237% | 2,558 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.1482% | 3,080 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0115% | 2,439 |
| Return on assets (ROA) | 1.0051% | 2,431 |
| Pretax return on assets | 1.0526% | 2,869 |
| Return on Equity (ROE) | 13.7400% | 1,499 |
| Retained earnings to average equity (ytd only) | 10.5829% | 1,172 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.5498% | 2,209 |
| Assets per employee ($millions) | 6.6582% | 2,193 |
| Cash dividends to net income (ytd only)* | 22.9730% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 1,761 |
| Loan loss allowance to noncurrent loans | 12,725.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 3,936 |
| Noncurrent loans to loans | 0.0107% | 3,864 |
| Net loans and leases to total assets | 61.5700% | 2,343 |
| Net loans and leases to deposits | 69.4395% | 2,415 |
| Net loans and leases to core deposits | 70.1032% | 2,634 |
| Total domestic deposits to total assets | 88.6700% | 2,227 |
| Equity capital to assets | 6.2913% | 3,851 |
| Core capital (leverage) ratio | 9.1841% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $58,899,500 | 4,381 |
| Average earning assets | $56,372,250 | 4,340 |
| Average equity | $4,308,750 | 4,542 |
| Average total loans | $34,635,750 | 4,184 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3566% | 2,554 |
| Cost of funding earning assets | 0.2176% | 2,667 |
| Net interest margin | 3.1390% | 2,404 |
| Noninterest income to average assets | 0.1400% | 4,319 |
| Noninterest expense to average assets | 2.1141% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9836% | 2,214 |
| Return on assets (ROA) | 0.9836% | 2,190 |
| Pretax return on assets | 1.0315% | 2,631 |
| Return on Equity (ROE) | 12.8333% | 1,428 |
| Retained earnings to average equity (ytd only) | 11.1846% | 756 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2096% | 2,352 |
| Assets per employee ($millions) | 6.5358% | 2,285 |
| Cash dividends to net income (ytd only)* | 12.8472% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 1,685 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 3,944 |
| Noncurrent loans to loans | 0.0142% | 3,863 |
| Net loans and leases to total assets | 59.1581% | 2,422 |
| Net loans and leases to deposits | 63.6161% | 2,756 |
| Net loans and leases to core deposits | 64.2065% | 2,947 |
| Total domestic deposits to total assets | 92.9924% | 516 |
| Equity capital to assets | 6.9821% | 3,781 |
| Core capital (leverage) ratio | 9.0651% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,558,000 | 4,431 |
| Average earning assets | $56,069,000 | 4,400 |
| Average equity | $4,488,333 | 4,570 |
| Average total loans | $33,712,667 | 4,250 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2534% | 2,523 |
| Cost of funding earning assets | 0.2217% | 2,507 |
| Net interest margin | 3.0317% | 2,395 |
| Noninterest income to average assets | 0.1506% | 4,246 |
| Noninterest expense to average assets | 2.0470% | 3,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9790% | 1,972 |
| Return on assets (ROA) | 0.9790% | 1,967 |
| Pretax return on assets | 1.0064% | 2,416 |
| Return on Equity (ROE) | 12.2248% | 1,246 |
| Retained earnings to average equity (ytd only) | 12.2248% | 569 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0404% | 2,627 |
| Assets per employee ($millions) | 8.3406% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,451 |
| Loan loss allowance to noncurrent loans | 8,333.3333% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 3,964 |
| Noncurrent loans to loans | 0.0184% | 3,863 |
| Net loans and leases to total assets | 55.0219% | 2,633 |
| Net loans and leases to deposits | 59.5374% | 2,949 |
| Net loans and leases to core deposits | 60.0977% | 3,137 |
| Total domestic deposits to total assets | 92.4157% | 427 |
| Equity capital to assets | 7.5363% | 3,908 |
| Core capital (leverage) ratio | 8.9149% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,426,000 | 4,460 |
| Average earning assets | $55,942,000 | 4,426 |
| Average equity | $4,679,000 | 4,595 |
| Average total loans | $32,920,000 | 4,278 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 1,154 |
| Cost of funding earning assets | 0.2476% | 2,958 |
| Net interest margin | 3.8562% | 911 |
| Noninterest income to average assets | 0.1502% | 4,396 |
| Noninterest expense to average assets | 2.4727% | 2,263 |
| Loan and lease loss provision to assets | 0.0275% | 2,506 |
| Net operating income to assets | 1.2528% | 1,733 |
| Return on assets (ROA) | 1.2528% | 1,790 |
| Pretax return on assets | 1.3297% | 2,267 |
| Return on Equity (ROE) | 13.5231% | 1,301 |
| Retained earnings to average equity (ytd only) | 5.0613% | 2,758 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5624% | 2,469 |
| Assets per employee ($millions) | 8.3526% | 1,143 |
| Cash dividends to net income (ytd only)* | 62.5731% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 1,533 |
| Loan loss allowance to noncurrent loans | 8,333.3333% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 4,050 |
| Noncurrent loans to loans | 0.0181% | 3,948 |
| Net loans and leases to total assets | 55.9554% | 2,620 |
| Net loans and leases to deposits | 61.2189% | 2,967 |
| Net loans and leases to core deposits | 61.2224% | 3,226 |
| Total domestic deposits to total assets | 91.4021% | 342 |
| Equity capital to assets | 8.4799% | 4,059 |
| Core capital (leverage) ratio | 9.2858% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,596,800 | 4,512 |
| Average earning assets | $52,098,200 | 4,485 |
| Average equity | $5,058,000 | 4,628 |
| Average total loans | $32,280,400 | 4,328 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 876 |
| Cost of funding earning assets | 0.2504% | 3,122 |
| Net interest margin | 4.1027% | 651 |
| Noninterest income to average assets | 0.1417% | 4,490 |
| Noninterest expense to average assets | 2.4165% | 2,389 |
| Loan and lease loss provision to assets | 0.0373% | 2,247 |
| Net operating income to assets | 1.5240% | 1,214 |
| Return on assets (ROA) | 1.5240% | 1,256 |
| Pretax return on assets | 1.5986% | 1,705 |
| Return on Equity (ROE) | 16.0793% | 934 |
| Retained earnings to average equity (ytd only) | 10.8070% | 1,103 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6319% | 3,039 |
| Assets per employee ($millions) | 6.4889% | 2,258 |
| Cash dividends to net income (ytd only)* | 32.7896% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 1,319 |
| Loan loss allowance to noncurrent loans | 7,142.8571% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 4,130 |
| Noncurrent loans to loans | 0.0225% | 4,035 |
| Net loans and leases to total assets | 58.8815% | 2,384 |
| Net loans and leases to deposits | 65.6078% | 2,666 |
| Net loans and leases to core deposits | 65.6120% | 2,989 |
| Total domestic deposits to total assets | 89.7478% | 896 |
| Equity capital to assets | 10.1000% | 2,805 |
| Core capital (leverage) ratio | 9.8200% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,629,000 | 4,588 |
| Average earning assets | $51,120,000 | 4,558 |
| Average equity | $5,083,000 | 4,690 |
| Average total loans | $32,046,500 | 4,398 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7271% | 512 |
| Cost of funding earning assets | 0.2553% | 3,239 |
| Net interest margin | 4.4718% | 373 |
| Noninterest income to average assets | 0.1328% | 4,539 |
| Noninterest expense to average assets | 2.3800% | 2,533 |
| Loan and lease loss provision to assets | 0.0553% | 1,924 |
| Net operating income to assets | 1.8708% | 621 |
| Return on assets (ROA) | 1.8708% | 649 |
| Pretax return on assets | 1.9630% | 896 |
| Return on Equity (ROE) | 20.1604% | 444 |
| Retained earnings to average equity (ytd only) | 14.8320% | 459 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1107% | 3,785 |
| Assets per employee ($millions) | 6.0957% | 2,525 |
| Cash dividends to net income (ytd only)* | 26.4300% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,259 |
| Loan loss allowance to noncurrent loans | 6,250.0000% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 4,196 |
| Noncurrent loans to loans | 0.0257% | 4,091 |
| Net loans and leases to total assets | 55.8666% | 2,915 |
| Net loans and leases to deposits | 61.8247% | 3,221 |
| Net loans and leases to core deposits | 61.8285% | 3,477 |
| Total domestic deposits to total assets | 90.3629% | 619 |
| Equity capital to assets | 9.4785% | 3,352 |
| Core capital (leverage) ratio | 9.3277% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,201,667 | 4,609 |
| Average earning assets | $51,702,000 | 4,576 |
| Average equity | $5,029,667 | 4,728 |
| Average total loans | $32,373,333 | 4,422 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 931 |
| Cost of funding earning assets | 0.2570% | 3,406 |
| Net interest margin | 4.1279% | 696 |
| Noninterest income to average assets | 0.1262% | 4,567 |
| Noninterest expense to average assets | 2.3537% | 2,639 |
| Loan and lease loss provision to assets | 0.1114% | 1,245 |
| Net operating income to assets | 1.5221% | 1,279 |
| Return on assets (ROA) | 1.5221% | 1,343 |
| Pretax return on assets | 1.5964% | 1,739 |
| Return on Equity (ROE) | 16.5841% | 914 |
| Retained earnings to average equity (ytd only) | 11.1639% | 1,362 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9525% | 3,306 |
| Assets per employee ($millions) | 6.1494% | 2,457 |
| Cash dividends to net income (ytd only)* | 32.6829% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 1,220 |
| Loan loss allowance to noncurrent loans | 5,555.5556% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 4,260 |
| Noncurrent loans to loans | 0.0293% | 4,140 |
| Net loans and leases to total assets | 54.5704% | 3,180 |
| Net loans and leases to deposits | 60.0151% | 3,484 |
| Net loans and leases to core deposits | 60.0187% | 3,696 |
| Total domestic deposits to total assets | 90.9278% | 428 |
| Equity capital to assets | 8.9692% | 3,720 |
| Core capital (leverage) ratio | 9.2472% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,872,000 | 4,630 |
| Average earning assets | $51,357,500 | 4,600 |
| Average equity | $4,944,500 | 4,754 |
| Average total loans | $32,985,500 | 4,434 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 654 |
| Cost of funding earning assets | 0.4876% | 3,028 |
| Net interest margin | 4.3727% | 432 |
| Noninterest income to average assets | 0.1982% | 4,287 |
| Noninterest expense to average assets | 2.7320% | 2,136 |
| Loan and lease loss provision to assets | 0.1120% | 2,948 |
| Net operating income to assets | 1.4083% | 1,002 |
| Return on assets (ROA) | 1.4349% | 1,030 |
| Pretax return on assets | 1.5168% | 1,281 |
| Return on Equity (ROE) | 13.7848% | 866 |
| Retained earnings to average equity (ytd only) | 6.5198% | 1,584 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0532% | 2,967 |
| Assets per employee ($millions) | 5.8221% | 2,525 |
| Cash dividends to net income (ytd only)* | 52.7027% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 2,078 |
| Loan loss allowance to noncurrent loans | 5,388.8889% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,313 |
| Noncurrent loans to loans | 0.0255% | 4,220 |
| Net loans and leases to total assets | 66.3829% | 2,036 |
| Net loans and leases to deposits | 73.3391% | 2,553 |
| Net loans and leases to core deposits | 74.1236% | 2,902 |
| Total domestic deposits to total assets | 90.5151% | 371 |
| Equity capital to assets | 9.3990% | 3,701 |
| Core capital (leverage) ratio | 9.5435% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,413,200 | 4,694 |
| Average earning assets | $43,886,200 | 4,673 |
| Average equity | $4,831,400 | 4,770 |
| Average total loans | $33,773,400 | 4,438 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1785% | 431 |
| Cost of funding earning assets | 0.4939% | 3,262 |
| Net interest margin | 4.6845% | 263 |
| Noninterest income to average assets | 0.1870% | 4,353 |
| Noninterest expense to average assets | 2.6775% | 2,320 |
| Loan and lease loss provision to assets | 0.1135% | 2,901 |
| Net operating income to assets | 1.7325% | 538 |
| Return on assets (ROA) | 1.7692% | 547 |
| Pretax return on assets | 1.8552% | 706 |
| Return on Equity (ROE) | 16.5276% | 489 |
| Retained earnings to average equity (ytd only) | 12.8117% | 347 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1186% | 3,648 |
| Assets per employee ($millions) | 5.4866% | 2,723 |
| Cash dividends to net income (ytd only)* | 22.4832% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,410 |
| Loan loss allowance to noncurrent loans | 4,700.0000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 4,375 |
| Noncurrent loans to loans | 0.0265% | 4,301 |
| Net loans and leases to total assets | 75.4167% | 1,176 |
| Net loans and leases to deposits | 86.1738% | 1,677 |
| Net loans and leases to core deposits | 87.1866% | 2,216 |
| Total domestic deposits to total assets | 87.5170% | 1,442 |
| Equity capital to assets | 10.3080% | 2,955 |
| Core capital (leverage) ratio | 10.2949% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,916,750 | 4,732 |
| Average earning assets | $42,379,500 | 4,715 |
| Average equity | $4,808,000 | 4,802 |
| Average total loans | $33,399,500 | 4,475 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6809% | 238 |
| Cost of funding earning assets | 0.5524% | 3,225 |
| Net interest margin | 5.1284% | 157 |
| Noninterest income to average assets | 0.1980% | 4,284 |
| Noninterest expense to average assets | 2.7355% | 2,272 |
| Loan and lease loss provision to assets | 0.1059% | 2,950 |
| Net operating income to assets | 2.0753% | 282 |
| Return on assets (ROA) | 2.1322% | 273 |
| Pretax return on assets | 2.2473% | 337 |
| Return on Equity (ROE) | 19.6436% | 261 |
| Retained earnings to average equity (ytd only) | 16.0373% | 170 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3956% | 4,132 |
| Assets per employee ($millions) | 5.2770% | 2,859 |
| Cash dividends to net income (ytd only)* | 18.3585% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,236 |
| Loan loss allowance to noncurrent loans | 4,136.3636% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,439 |
| Noncurrent loans to loans | 0.0303% | 4,361 |
| Net loans and leases to total assets | 75.4195% | 1,212 |
| Net loans and leases to deposits | 86.5570% | 1,710 |
| Net loans and leases to core deposits | 87.6199% | 2,285 |
| Total domestic deposits to total assets | 87.1328% | 1,564 |
| Equity capital to assets | 10.5679% | 2,691 |
| Core capital (leverage) ratio | 10.1661% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,429,333 | 4,768 |
| Average earning assets | $40,909,333 | 4,750 |
| Average equity | $4,714,000 | 4,835 |
| Average total loans | $31,962,667 | 4,528 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 1,576 |
| Cost of funding earning assets | 0.5864% | 3,501 |
| Net interest margin | 4.1565% | 1,013 |
| Noninterest income to average assets | 0.2416% | 4,113 |
| Noninterest expense to average assets | 2.8118% | 2,399 |
| Loan and lease loss provision to assets | 0.0773% | 2,757 |
| Net operating income to assets | 1.1948% | 1,531 |
| Return on assets (ROA) | 1.3141% | 1,304 |
| Pretax return on assets | 1.3817% | 1,621 |
| Return on Equity (ROE) | 11.9259% | 1,123 |
| Retained earnings to average equity (ytd only) | 6.6645% | 1,659 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8322% | 2,700 |
| Assets per employee ($millions) | 4.7607% | 2,919 |
| Cash dividends to net income (ytd only)* | 44.1176% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 1,510 |
| Loan loss allowance to noncurrent loans | 1,571.4286% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 4,273 |
| Noncurrent loans to loans | 0.0927% | 4,138 |
| Net loans and leases to total assets | 69.4977% | 2,323 |
| Net loans and leases to deposits | 79.9790% | 2,682 |
| Net loans and leases to core deposits | 81.0722% | 3,101 |
| Total domestic deposits to total assets | 86.8949% | 1,601 |
| Equity capital to assets | 10.6474% | 3,193 |
| Core capital (leverage) ratio | 11.2062% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,397,500 | 4,825 |
| Average earning assets | $38,879,000 | 4,803 |
| Average equity | $4,561,500 | 4,887 |
| Average total loans | $29,807,000 | 4,597 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 2,069 |
| Cost of funding earning assets | 0.5664% | 3,795 |
| Net interest margin | 4.2247% | 1,268 |
| Noninterest income to average assets | 0.3045% | 3,868 |
| Noninterest expense to average assets | 3.2443% | 1,420 |
| Loan and lease loss provision to assets | 0.0819% | 2,367 |
| Net operating income to assets | 0.8878% | 3,260 |
| Return on assets (ROA) | 0.8878% | 3,343 |
| Pretax return on assets | 0.9288% | 3,652 |
| Return on Equity (ROE) | 7.7341% | 3,276 |
| Retained earnings to average equity (ytd only) | 3.1650% | 3,437 |
| Net charge-offs to loans | 0.0909% | 1,822 |
| Credit loss provision to net charge-offs | 128.0000% | 1,994 |
| Earnings coverage of net charge-offs (x) | 15.8000% | 2,209 |
| Efficiency ratio | 76.2477% | 1,333 |
| Assets per employee ($millions) | 4.4388% | 3,319 |
| Cash dividends to net income (ytd only)* | 59.0778% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 1,309 |
| Loan loss allowance to noncurrent loans | 21,600.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,659 |
| Noncurrent loans to loans | 0.0068% | 4,569 |
| Net loans and leases to total assets | 72.5049% | 2,008 |
| Net loans and leases to deposits | 85.0911% | 2,196 |
| Net loans and leases to core deposits | 85.0961% | 2,865 |
| Total domestic deposits to total assets | 85.2086% | 2,416 |
| Equity capital to assets | 11.4171% | 2,605 |
| Core capital (leverage) ratio | 11.3501% | 2,216 |
| Tier 1 risk-based capital ratio | 15.4112% | 2,615 |
| Total risk-based capital ratio | 16.6627% | 2,544 |
| Memoranda: | ||
| Average total assets | $39,084,200 | 4,907 |
| Average earning assets | $36,547,000 | 4,885 |
| Average equity | $4,486,600 | 4,945 |
| Average total loans | $27,508,000 | 4,698 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 2,318 |
| Cost of funding earning assets | 0.5433% | 3,970 |
| Net interest margin | 4.1885% | 1,397 |
| Noninterest income to average assets | 0.3087% | 3,898 |
| Noninterest expense to average assets | 3.3103% | 1,246 |
| Loan and lease loss provision to assets | 0.0858% | 2,202 |
| Net operating income to assets | 0.7958% | 3,688 |
| Return on assets (ROA) | 0.7958% | 3,762 |
| Pretax return on assets | 0.8267% | 4,058 |
| Return on Equity (ROE) | 6.9232% | 3,710 |
| Retained earnings to average equity (ytd only) | 4.9834% | 2,897 |
| Net charge-offs to loans | 0.1085% | 1,382 |
| Credit loss provision to net charge-offs | 113.6364% | 2,042 |
| Earnings coverage of net charge-offs (x) | 12.0921% | 2,387 |
| Efficiency ratio | 78.3916% | 1,065 |
| Assets per employee ($millions) | 4.3078% | 3,474 |
| Cash dividends to net income (ytd only)* | 28.0154% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 1,231 |
| Loan loss allowance to noncurrent loans | 21,400.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,750 |
| Noncurrent loans to loans | 0.0070% | 4,654 |
| Net loans and leases to total assets | 72.1511% | 2,155 |
| Net loans and leases to deposits | 84.9830% | 2,324 |
| Net loans and leases to core deposits | 84.9882% | 2,996 |
| Total domestic deposits to total assets | 84.9007% | 2,456 |
| Equity capital to assets | 11.8597% | 2,368 |
| Core capital (leverage) ratio | 11.5303% | 2,191 |
| Tier 1 risk-based capital ratio | 16.1528% | 2,370 |
| Total risk-based capital ratio | 17.4074% | 2,307 |
| Memoranda: | ||
| Average total assets | $38,868,000 | 4,987 |
| Average earning assets | $36,320,750 | 4,962 |
| Average equity | $4,468,000 | 5,013 |
| Average total loans | $27,035,750 | 4,772 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 2,846 |
| Cost of funding earning assets | 0.4897% | 4,163 |
| Net interest margin | 4.0607% | 1,724 |
| Noninterest income to average assets | 0.3290% | 3,741 |
| Noninterest expense to average assets | 3.3984% | 1,108 |
| Loan and lease loss provision to assets | 0.0874% | 2,096 |
| Net operating income to assets | 0.6221% | 4,244 |
| Return on assets (ROA) | 0.6221% | 4,287 |
| Pretax return on assets | 0.6375% | 4,475 |
| Return on Equity (ROE) | 5.4693% | 4,214 |
| Retained earnings to average equity (ytd only) | 4.2941% | 3,104 |
| Net charge-offs to loans | 0.1655% | 967 |
| Credit loss provision to net charge-offs | 77.2727% | 2,254 |
| Earnings coverage of net charge-offs (x) | 6.4091% | 2,574 |
| Efficiency ratio | 82.4190% | 774 |
| Assets per employee ($millions) | 4.2981% | 3,434 |
| Cash dividends to net income (ytd only)* | 21.4876% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 1,100 |
| Loan loss allowance to noncurrent loans | 21,000.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 2,766 |
| Noncurrent loans to loans | 0.0075% | 4,693 |
| Net loans and leases to total assets | 68.1074% | 2,795 |
| Net loans and leases to deposits | 77.3585% | 3,210 |
| Net loans and leases to core deposits | 77.3608% | 3,622 |
| Total domestic deposits to total assets | 88.0413% | 1,089 |
| Equity capital to assets | 11.6847% | 2,459 |
| Core capital (leverage) ratio | 11.7506% | 1,984 |
| Tier 1 risk-based capital ratio | 16.5424% | 2,221 |
| Total risk-based capital ratio | 17.7963% | 2,173 |
| Memoranda: | ||
| Average total assets | $38,900,670 | 5,024 |
| Average earning assets | $36,348,000 | 5,002 |
| Average equity | $4,424,670 | 5,051 |
| Average total loans | $26,580,670 | 4,818 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 2,728 |
| Cost of funding earning assets | 0.4498% | 4,286 |
| Net interest margin | 4.0921% | 1,567 |
| Noninterest income to average assets | 0.2256% | 4,392 |
| Noninterest expense to average assets | 3.3223% | 1,245 |
| Loan and lease loss provision to assets | 0.1025% | 1,719 |
| Net operating income to assets | 0.6255% | 4,160 |
| Return on assets (ROA) | 0.6255% | 4,203 |
| Pretax return on assets | 0.6255% | 4,469 |
| Return on Equity (ROE) | 5.5746% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.5746% | 2,657 |
| Net charge-offs to loans | 0.3322% | 460 |
| Credit loss provision to net charge-offs | 45.4545% | 2,001 |
| Earnings coverage of net charge-offs (x) | 3.2273% | 2,422 |
| Efficiency ratio | 82.0253% | 870 |
| Assets per employee ($millions) | 3.8362% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 1,042 |
| Loan loss allowance to noncurrent loans | 13,766.6667% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,842 |
| Noncurrent loans to loans | 0.0117% | 4,736 |
| Net loans and leases to total assets | 65.8542% | 3,078 |
| Net loans and leases to deposits | 74.5661% | 3,401 |
| Net loans and leases to core deposits | 74.5705% | 3,765 |
| Total domestic deposits to total assets | 88.3166% | 1,174 |
| Equity capital to assets | 11.5661% | 2,337 |
| Core capital (leverage) ratio | 11.6166% | 2,037 |
| Tier 1 risk-based capital ratio | 16.9320% | 2,125 |
| Total risk-based capital ratio | 18.1870% | 2,075 |
| Memoranda: | ||
| Average total assets | $39,009,500 | 5,077 |
| Average earning assets | $36,460,500 | 5,047 |
| Average equity | $4,377,000 | 5,105 |
| Average total loans | $26,488,000 | 4,872 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 1,825 |
| Cost of funding earning assets | 0.4824% | 3,461 |
| Net interest margin | 4.2161% | 1,356 |
| Noninterest income to average assets | 0.2815% | 4,215 |
| Noninterest expense to average assets | 2.9306% | 2,241 |
| Loan and lease loss provision to assets | 0.1444% | 1,487 |
| Net operating income to assets | 1.1212% | 2,510 |
| Return on assets (ROA) | 1.1212% | 2,506 |
| Pretax return on assets | 1.1597% | 3,062 |
| Return on Equity (ROE) | 10.5774% | 2,257 |
| Retained earnings to average equity (ytd only) | -0.6129% | 5,053 |
| Net charge-offs to loans | 0.1796% | 1,068 |
| Credit loss provision to net charge-offs | 113.2075% | 2,287 |
| Earnings coverage of net charge-offs (x) | 10.2264% | 2,745 |
| Efficiency ratio | 69.2045% | 2,344 |
| Assets per employee ($millions) | 3.9657% | 3,940 |
| Cash dividends to net income (ytd only)* | 105.7940% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 1,122 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 4,518 |
| Noncurrent loans to loans | 0.0916% | 4,339 |
| Net loans and leases to total assets | 67.7686% | 2,909 |
| Net loans and leases to deposits | 76.5321% | 3,313 |
| Net loans and leases to core deposits | 76.5321% | 3,678 |
| Total domestic deposits to total assets | 88.5493% | 1,048 |
| Equity capital to assets | 10.8858% | 2,804 |
| Core capital (leverage) ratio | 11.0695% | 2,459 |
| Tier 1 risk-based capital ratio | 15.8018% | 2,496 |
| Total risk-based capital ratio | 17.0566% | 2,414 |
| Memoranda: | ||
| Average total assets | $41,560,800 | 5,074 |
| Average earning assets | $38,970,000 | 5,055 |
| Average equity | $4,405,600 | 5,118 |
| Average total loans | $29,515,400 | 4,828 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 1,846 |
| Cost of funding earning assets | 0.4633% | 3,436 |
| Net interest margin | 4.1835% | 1,406 |
| Noninterest income to average assets | 0.2632% | 4,394 |
| Noninterest expense to average assets | 2.9117% | 2,271 |
| Loan and lease loss provision to assets | 0.1427% | 1,394 |
| Net operating income to assets | 1.0816% | 2,744 |
| Return on assets (ROA) | 1.0816% | 2,754 |
| Pretax return on assets | 1.1323% | 3,271 |
| Return on Equity (ROE) | 10.2684% | 2,493 |
| Retained earnings to average equity (ytd only) | 5.1491% | 3,159 |
| Net charge-offs to loans | 0.2350% | 725 |
| Credit loss provision to net charge-offs | 84.9057% | 2,473 |
| Earnings coverage of net charge-offs (x) | 7.5855% | 2,793 |
| Efficiency ratio | 69.5455% | 2,264 |
| Assets per employee ($millions) | 4.3721% | 3,324 |
| Cash dividends to net income (ytd only)* | 49.8526% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4469% | 1,536 |
| Loan loss allowance to noncurrent loans | 1,640.0000% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 4,666 |
| Noncurrent loans to loans | 0.0882% | 4,490 |
| Net loans and leases to total assets | 70.9700% | 2,497 |
| Net loans and leases to deposits | 81.2960% | 2,893 |
| Net loans and leases to core deposits | 81.2960% | 3,381 |
| Total domestic deposits to total assets | 87.2983% | 1,596 |
| Equity capital to assets | 11.3345% | 2,369 |
| Core capital (leverage) ratio | 11.3976% | 2,247 |
| Tier 1 risk-based capital ratio | 16.0910% | 2,411 |
| Total risk-based capital ratio | 17.3445% | 2,353 |
| Memoranda: | ||
| Average total assets | $42,036,750 | 5,137 |
| Average earning assets | $39,423,750 | 5,117 |
| Average equity | $4,427,750 | 5,184 |
| Average total loans | $30,069,250 | 4,873 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 1,904 |
| Cost of funding earning assets | 0.4565% | 3,311 |
| Net interest margin | 4.1034% | 1,545 |
| Noninterest income to average assets | 0.2609% | 4,441 |
| Noninterest expense to average assets | 2.9209% | 2,288 |
| Loan and lease loss provision to assets | 0.1398% | 1,396 |
| Net operating income to assets | 1.0155% | 2,952 |
| Return on assets (ROA) | 1.0155% | 2,960 |
| Pretax return on assets | 1.0528% | 3,504 |
| Return on Equity (ROE) | 9.8710% | 2,623 |
| Retained earnings to average equity (ytd only) | 4.2110% | 3,498 |
| Net charge-offs to loans | 0.3459% | 463 |
| Credit loss provision to net charge-offs | 56.6038% | 2,453 |
| Earnings coverage of net charge-offs (x) | 4.8302% | 2,765 |
| Efficiency ratio | 71.0079% | 2,161 |
| Assets per employee ($millions) | 4.5666% | 3,019 |
| Cash dividends to net income (ytd only)* | 57.3394% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 2,007 |
| Loan loss allowance to noncurrent loans | 1,362.0690% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 4,661 |
| Noncurrent loans to loans | 0.0980% | 4,473 |
| Net loans and leases to total assets | 71.0042% | 2,435 |
| Net loans and leases to deposits | 82.8963% | 2,669 |
| Net loans and leases to core deposits | 82.8987% | 3,168 |
| Total domestic deposits to total assets | 85.6542% | 2,429 |
| Equity capital to assets | 10.7764% | 2,858 |
| Core capital (leverage) ratio | 10.7160% | 2,790 |
| Tier 1 risk-based capital ratio | 15.1826% | 2,787 |
| Total risk-based capital ratio | 16.4329% | 2,712 |
| Memoranda: | ||
| Average total assets | $42,932,670 | 5,183 |
| Average earning assets | $40,308,330 | 5,162 |
| Average equity | $4,417,000 | 5,243 |
| Average total loans | $30,647,000 | 4,909 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4647% | 1,977 |
| Cost of funding earning assets | 0.4853% | 2,906 |
| Net interest margin | 3.9794% | 1,789 |
| Noninterest income to average assets | 0.2645% | 4,412 |
| Noninterest expense to average assets | 2.8370% | 2,583 |
| Loan and lease loss provision to assets | 0.1368% | 1,377 |
| Net operating income to assets | 0.9761% | 2,957 |
| Return on assets (ROA) | 0.9761% | 2,985 |
| Pretax return on assets | 1.0308% | 3,425 |
| Return on Equity (ROE) | 9.7030% | 2,583 |
| Retained earnings to average equity (ytd only) | 2.4484% | 4,191 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8428% | 2,367 |
| Assets per employee ($millions) | 4.3134% | 3,460 |
| Cash dividends to net income (ytd only)* | 74.7664% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 1,791 |
| Loan loss allowance to noncurrent loans | 397.2477% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 3,857 |
| Noncurrent loans to loans | 0.3555% | 3,497 |
| Net loans and leases to total assets | 70.0747% | 2,475 |
| Net loans and leases to deposits | 79.1277% | 2,904 |
| Net loans and leases to core deposits | 80.1772% | 3,309 |
| Total domestic deposits to total assets | 88.5589% | 1,326 |
| Equity capital to assets | 10.1729% | 3,425 |
| Core capital (leverage) ratio | 10.2639% | 3,226 |
| Tier 1 risk-based capital ratio | 13.8217% | 3,486 |
| Total risk-based capital ratio | 15.0740% | 3,391 |
| Memoranda: | ||
| Average total assets | $43,849,500 | 5,224 |
| Average earning assets | $41,212,000 | 5,207 |
| Average equity | $4,411,000 | 5,299 |
| Average total loans | $31,182,000 | 4,943 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 1,648 |
| Cost of funding earning assets | 0.4155% | 3,089 |
| Net interest margin | 4.1059% | 1,414 |
| Noninterest income to average assets | 0.3018% | 4,299 |
| Noninterest expense to average assets | 2.8367% | 2,658 |
| Loan and lease loss provision to assets | 0.1393% | 1,644 |
| Net operating income to assets | 1.1305% | 1,754 |
| Return on assets (ROA) | 1.1305% | 1,784 |
| Pretax return on assets | 1.1793% | 2,852 |
| Return on Equity (ROE) | 11.0306% | 1,468 |
| Retained earnings to average equity (ytd only) | 3.8958% | 2,867 |
| Net charge-offs to loans | 0.0882% | 2,215 |
| Credit loss provision to net charge-offs | 222.2222% | 1,238 |
| Earnings coverage of net charge-offs (x) | 21.0370% | 1,931 |
| Efficiency ratio | 68.2682% | 2,843 |
| Assets per employee ($millions) | 4.4565% | 3,258 |
| Cash dividends to net income (ytd only)* | 64.6817% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 2,122 |
| Loan loss allowance to noncurrent loans | 387.0370% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 3,927 |
| Noncurrent loans to loans | 0.3406% | 3,541 |
| Net loans and leases to total assets | 70.2053% | 2,495 |
| Net loans and leases to deposits | 81.1090% | 2,804 |
| Net loans and leases to core deposits | 83.2677% | 3,128 |
| Total domestic deposits to total assets | 86.5567% | 2,205 |
| Equity capital to assets | 9.9495% | 3,761 |
| Core capital (leverage) ratio | 10.1136% | 3,297 |
| Tier 1 risk-based capital ratio | 13.2237% | 3,773 |
| Total risk-based capital ratio | 14.4742% | 3,705 |
| Memoranda: | ||
| Average total assets | $43,078,200 | 5,289 |
| Average earning assets | $40,429,600 | 5,269 |
| Average equity | $4,415,000 | 5,356 |
| Average total loans | $30,628,000 | 5,008 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 1,631 |
| Cost of funding earning assets | 0.3861% | 3,321 |
| Net interest margin | 4.1169% | 1,346 |
| Noninterest income to average assets | 0.2872% | 4,472 |
| Noninterest expense to average assets | 2.8254% | 2,643 |
| Loan and lease loss provision to assets | 0.1405% | 1,509 |
| Net operating income to assets | 1.1364% | 1,927 |
| Return on assets (ROA) | 1.1364% | 1,986 |
| Pretax return on assets | 1.1832% | 2,974 |
| Return on Equity (ROE) | 11.0044% | 1,698 |
| Retained earnings to average equity (ytd only) | 6.6511% | 1,876 |
| Net charge-offs to loans | -0.0132% | 4,721 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0963% | 2,856 |
| Assets per employee ($millions) | 4.3173% | 3,441 |
| Cash dividends to net income (ytd only)* | 39.5615% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 1,957 |
| Loan loss allowance to noncurrent loans | 346.4000% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 3,904 |
| Noncurrent loans to loans | 0.3994% | 3,519 |
| Net loans and leases to total assets | 71.4845% | 2,333 |
| Net loans and leases to deposits | 85.3957% | 2,378 |
| Net loans and leases to core deposits | 87.8258% | 2,790 |
| Total domestic deposits to total assets | 83.7097% | 3,226 |
| Equity capital to assets | 10.5344% | 3,340 |
| Core capital (leverage) ratio | 10.4807% | 3,009 |
| Tier 1 risk-based capital ratio | 13.6569% | 3,610 |
| Total risk-based capital ratio | 14.9071% | 3,538 |
| Memoranda: | ||
| Average total assets | $42,706,500 | 5,351 |
| Average earning assets | $40,061,750 | 5,330 |
| Average equity | $4,410,250 | 5,414 |
| Average total loans | $30,358,750 | 5,068 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 1,558 |
| Cost of funding earning assets | 0.3607% | 3,474 |
| Net interest margin | 4.1233% | 1,262 |
| Noninterest income to average assets | 0.2820% | 4,540 |
| Noninterest expense to average assets | 2.8906% | 2,453 |
| Loan and lease loss provision to assets | 0.1410% | 1,455 |
| Net operating income to assets | 1.0764% | 2,098 |
| Return on assets (ROA) | 1.0764% | 2,146 |
| Pretax return on assets | 1.1187% | 3,096 |
| Return on Equity (ROE) | 10.4942% | 1,832 |
| Retained earnings to average equity (ytd only) | 5.3616% | 2,489 |
| Net charge-offs to loans | -0.0200% | 4,778 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6489% | 2,738 |
| Assets per employee ($millions) | 4.2660% | 3,495 |
| Cash dividends to net income (ytd only)* | 48.9083% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 2,062 |
| Loan loss allowance to noncurrent loans | 2,786.6667% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 5,123 |
| Noncurrent loans to loans | 0.0494% | 4,944 |
| Net loans and leases to total assets | 70.2274% | 2,494 |
| Net loans and leases to deposits | 82.8787% | 2,612 |
| Net loans and leases to core deposits | 84.0412% | 3,064 |
| Total domestic deposits to total assets | 84.7351% | 2,917 |
| Equity capital to assets | 10.5040% | 3,338 |
| Core capital (leverage) ratio | 10.3141% | 3,125 |
| Tier 1 risk-based capital ratio | 13.6767% | 3,603 |
| Total risk-based capital ratio | 14.9266% | 3,523 |
| Memoranda: | ||
| Average total assets | $42,551,000 | 5,398 |
| Average earning assets | $39,919,000 | 5,374 |
| Average equity | $4,364,330 | 5,459 |
| Average total loans | $30,046,670 | 5,110 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4487% | 1,502 |
| Cost of funding earning assets | 0.3515% | 3,512 |
| Net interest margin | 4.0972% | 1,220 |
| Noninterest income to average assets | 0.2730% | 4,592 |
| Noninterest expense to average assets | 2.8802% | 2,517 |
| Loan and lease loss provision to assets | 0.1412% | 1,336 |
| Net operating income to assets | 1.0542% | 2,057 |
| Return on assets (ROA) | 1.0542% | 2,103 |
| Pretax return on assets | 1.0919% | 3,021 |
| Return on Equity (ROE) | 10.4041% | 1,780 |
| Retained earnings to average equity (ytd only) | 2.9726% | 3,923 |
| Net charge-offs to loans | -0.0402% | 5,080 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0229% | 2,887 |
| Assets per employee ($millions) | 4.2839% | 3,528 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 2,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 5,071 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 69.4321% | 2,472 |
| Net loans and leases to deposits | 80.6748% | 2,659 |
| Net loans and leases to core deposits | 80.6748% | 3,233 |
| Total domestic deposits to total assets | 86.0641% | 2,637 |
| Equity capital to assets | 10.1426% | 3,583 |
| Core capital (leverage) ratio | 10.1737% | 3,278 |
| Tier 1 risk-based capital ratio | 13.5189% | 3,771 |
| Total risk-based capital ratio | 14.7696% | 3,679 |
| Memoranda: | ||
| Average total assets | $42,496,500 | 5,456 |
| Average earning assets | $39,832,000 | 5,437 |
| Average equity | $4,306,000 | 5,526 |
| Average total loans | $29,881,500 | 5,168 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 1,480 |
| Cost of funding earning assets | 0.3232% | 3,813 |
| Net interest margin | 4.1966% | 1,123 |
| Noninterest income to average assets | 1.0579% | 1,004 |
| Noninterest expense to average assets | 3.0181% | 2,293 |
| Loan and lease loss provision to assets | 0.1459% | 1,706 |
| Net operating income to assets | 1.7165% | 522 |
| Return on assets (ROA) | 1.7535% | 510 |
| Pretax return on assets | 1.8483% | 693 |
| Return on Equity (ROE) | 16.0765% | 501 |
| Retained earnings to average equity (ytd only) | 4.5933% | 2,647 |
| Net charge-offs to loans | 0.0865% | 2,462 |
| Credit loss provision to net charge-offs | 250.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 1,336 |
| Efficiency ratio | 60.6846% | 4,472 |
| Assets per employee ($millions) | 4.6838% | 2,814 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 4,876 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 69.3434% | 2,572 |
| Net loans and leases to deposits | 81.9254% | 2,679 |
| Net loans and leases to core deposits | 81.9254% | 3,215 |
| Total domestic deposits to total assets | 84.6420% | 3,193 |
| Equity capital to assets | 10.1224% | 3,580 |
| Core capital (leverage) ratio | 10.0691% | 3,404 |
| Tier 1 risk-based capital ratio | 13.4588% | 3,794 |
| Total risk-based capital ratio | 14.6853% | 3,711 |
| Memoranda: | ||
| Average total assets | $41,118,000 | 5,522 |
| Average earning assets | $38,364,800 | 5,502 |
| Average equity | $4,484,800 | 5,557 |
| Average total loans | $27,758,200 | 5,277 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4944% | 1,559 |
| Cost of funding earning assets | 0.3045% | 4,050 |
| Net interest margin | 4.1899% | 1,144 |
| Noninterest income to average assets | 1.2694% | 721 |
| Noninterest expense to average assets | 3.0445% | 2,189 |
| Loan and lease loss provision to assets | 0.1468% | 1,601 |
| Net operating income to assets | 1.8983% | 403 |
| Return on assets (ROA) | 1.9546% | 384 |
| Pretax return on assets | 2.0428% | 518 |
| Return on Equity (ROE) | 17.5943% | 387 |
| Retained earnings to average equity (ytd only) | 12.1897% | 282 |
| Net charge-offs to loans | 0.1172% | 1,779 |
| Credit loss provision to net charge-offs | 187.5000% | 1,500 |
| Earnings coverage of net charge-offs (x) | 27.2075% | 1,573 |
| Efficiency ratio | 58.8272% | 4,708 |
| Assets per employee ($millions) | 4.6027% | 2,923 |
| Cash dividends to net income (ytd only)* | 30.7181% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 4,978 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 69.1483% | 2,616 |
| Net loans and leases to deposits | 81.6534% | 2,774 |
| Net loans and leases to core deposits | 81.6534% | 3,312 |
| Total domestic deposits to total assets | 84.6852% | 2,949 |
| Equity capital to assets | 11.3750% | 2,627 |
| Core capital (leverage) ratio | 10.8645% | 2,610 |
| Tier 1 risk-based capital ratio | 14.3769% | 3,341 |
| Total risk-based capital ratio | 15.5764% | 3,314 |
| Memoranda: | ||
| Average total assets | $40,859,000 | 5,581 |
| Average earning assets | $38,091,000 | 5,560 |
| Average equity | $4,539,250 | 5,605 |
| Average total loans | $27,293,750 | 5,343 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4319% | 1,736 |
| Cost of funding earning assets | 0.2849% | 4,295 |
| Net interest margin | 4.1470% | 1,243 |
| Noninterest income to average assets | 1.7408% | 422 |
| Noninterest expense to average assets | 3.1128% | 2,019 |
| Loan and lease loss provision to assets | 0.1475% | 1,555 |
| Net operating income to assets | 2.2485% | 212 |
| Return on assets (ROA) | 2.2768% | 213 |
| Pretax return on assets | 2.3752% | 269 |
| Return on Equity (ROE) | 20.6619% | 211 |
| Retained earnings to average equity (ytd only) | 14.0126% | 187 |
| Net charge-offs to loans | 0.1796% | 1,265 |
| Credit loss provision to net charge-offs | 125.0000% | 1,802 |
| Earnings coverage of net charge-offs (x) | 21.1250% | 1,695 |
| Efficiency ratio | 55.5263% | 5,195 |
| Assets per employee ($millions) | 4.1161% | 3,709 |
| Cash dividends to net income (ytd only)* | 32.1814% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 3,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 5,063 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 67.6004% | 2,842 |
| Net loans and leases to deposits | 79.0775% | 3,049 |
| Net loans and leases to core deposits | 79.0775% | 3,546 |
| Total domestic deposits to total assets | 85.4863% | 2,649 |
| Equity capital to assets | 11.3335% | 2,710 |
| Core capital (leverage) ratio | 10.5568% | 2,907 |
| Tier 1 risk-based capital ratio | 14.5470% | 3,292 |
| Total risk-based capital ratio | 15.7386% | 3,256 |
| Memoranda: | ||
| Average total assets | $40,670,670 | 5,649 |
| Average earning assets | $37,907,000 | 5,632 |
| Average equity | $4,481,670 | 5,679 |
| Average total loans | $26,720,330 | 5,415 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 1,894 |
| Cost of funding earning assets | 0.2978% | 4,188 |
| Net interest margin | 4.0728% | 1,417 |
| Noninterest income to average assets | 2.6716% | 235 |
| Noninterest expense to average assets | 3.2356% | 1,752 |
| Loan and lease loss provision to assets | 0.1484% | 1,424 |
| Net operating income to assets | 2.9486% | 104 |
| Return on assets (ROA) | 2.9486% | 103 |
| Pretax return on assets | 3.0773% | 124 |
| Return on Equity (ROE) | 27.1526% | 72 |
| Retained earnings to average equity (ytd only) | 27.1526% | 36 |
| Net charge-offs to loans | 0.5694% | 387 |
| Credit loss provision to net charge-offs | 40.5405% | 2,141 |
| Earnings coverage of net charge-offs (x) | 8.8108% | 2,027 |
| Efficiency ratio | 50.0766% | 5,624 |
| Assets per employee ($millions) | 4.0264% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 3,088 |
| Loan loss allowance to noncurrent loans | 166.8367% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.7600% | 2,799 |
| Noncurrent loans to loans | 0.7577% | 2,938 |
| Net loans and leases to total assets | 63.4314% | 3,328 |
| Net loans and leases to deposits | 72.7511% | 3,577 |
| Net loans and leases to core deposits | 72.7511% | 4,002 |
| Total domestic deposits to total assets | 87.1895% | 2,108 |
| Equity capital to assets | 11.3600% | 2,569 |
| Core capital (leverage) ratio | 10.9828% | 2,420 |
| Tier 1 risk-based capital ratio | 15.2037% | 3,063 |
| Total risk-based capital ratio | 16.3551% | 3,043 |
| Memoranda: | ||
| Average total assets | $40,425,500 | 5,714 |
| Average earning assets | $37,615,000 | 5,693 |
| Average equity | $4,390,000 | 5,742 |
| Average total loans | $25,990,500 | 5,486 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 1,608 |
| Cost of funding earning assets | 0.3097% | 4,149 |
| Net interest margin | 4.1876% | 1,192 |
| Noninterest income to average assets | 0.4307% | 3,815 |
| Noninterest expense to average assets | 2.9807% | 2,614 |
| Loan and lease loss provision to assets | 0.1452% | 1,629 |
| Net operating income to assets | 1.1328% | 1,800 |
| Return on assets (ROA) | 1.1420% | 1,828 |
| Pretax return on assets | 1.2073% | 2,634 |
| Return on Equity (ROE) | 11.1226% | 1,574 |
| Retained earnings to average equity (ytd only) | 4.5009% | 2,782 |
| Net charge-offs to loans | 0.0040% | 4,311 |
| Credit loss provision to net charge-offs | 6,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 555.0000% | 120 |
| Efficiency ratio | 68.9424% | 3,412 |
| Assets per employee ($millions) | 4.0587% | 3,833 |
| Cash dividends to net income (ytd only)* | 59.5339% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,723 |
| Loan loss allowance to noncurrent loans | 175.3769% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 1.0693% | 2,048 |
| Noncurrent loans to loans | 0.7620% | 2,894 |
| Net loans and leases to total assets | 63.4809% | 3,349 |
| Net loans and leases to deposits | 74.8047% | 3,397 |
| Net loans and leases to core deposits | 74.8047% | 3,865 |
| Total domestic deposits to total assets | 84.8621% | 3,148 |
| Equity capital to assets | 10.3629% | 3,552 |
| Core capital (leverage) ratio | 10.0694% | 3,410 |
| Tier 1 risk-based capital ratio | 13.9449% | 3,738 |
| Total risk-based capital ratio | 15.1552% | 3,695 |
| Memoranda: | ||
| Average total assets | $41,332,400 | 5,736 |
| Average earning assets | $38,422,600 | 5,718 |
| Average equity | $4,243,600 | 5,811 |
| Average total loans | $24,950,000 | 5,554 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4930% | 1,613 |
| Cost of funding earning assets | 0.3074% | 4,250 |
| Net interest margin | 4.1856% | 1,196 |
| Noninterest income to average assets | 0.4239% | 3,910 |
| Noninterest expense to average assets | 2.9737% | 2,600 |
| Loan and lease loss provision to assets | 0.1445% | 1,519 |
| Net operating income to assets | 1.1565% | 1,812 |
| Return on assets (ROA) | 1.1689% | 1,831 |
| Pretax return on assets | 1.2107% | 2,781 |
| Return on Equity (ROE) | 11.4112% | 1,570 |
| Retained earnings to average equity (ytd only) | 8.9974% | 908 |
| Net charge-offs to loans | 0.0054% | 3,983 |
| Credit loss provision to net charge-offs | 4,500.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 419.0376% | 179 |
| Efficiency ratio | 68.8988% | 3,393 |
| Assets per employee ($millions) | 4.1270% | 3,663 |
| Cash dividends to net income (ytd only)* | 21.1531% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 2,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 3,477 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 59.9782% | 3,886 |
| Net loans and leases to deposits | 68.1113% | 4,183 |
| Net loans and leases to core deposits | 68.5869% | 4,490 |
| Total domestic deposits to total assets | 88.0591% | 1,522 |
| Equity capital to assets | 10.5525% | 3,550 |
| Core capital (leverage) ratio | 10.0665% | 3,541 |
| Tier 1 risk-based capital ratio | 14.1985% | 3,726 |
| Total risk-based capital ratio | 15.3507% | 3,731 |
| Memoranda: | ||
| Average total assets | $41,518,750 | 5,805 |
| Average earning assets | $38,607,250 | 5,787 |
| Average equity | $4,253,000 | 5,888 |
| Average total loans | $24,659,000 | 5,636 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 1,561 |
| Cost of funding earning assets | 0.3154% | 4,216 |
| Net interest margin | 4.1782% | 1,154 |
| Noninterest income to average assets | 0.4038% | 4,059 |
| Noninterest expense to average assets | 2.9710% | 2,648 |
| Loan and lease loss provision to assets | 0.1442% | 1,495 |
| Net operating income to assets | 1.1542% | 1,764 |
| Return on assets (ROA) | 1.1730% | 1,757 |
| Pretax return on assets | 1.1923% | 2,808 |
| Return on Equity (ROE) | 11.5667% | 1,507 |
| Retained earnings to average equity (ytd only) | 10.3816% | 608 |
| Net charge-offs to loans | 0.0082% | 3,614 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 274.0000% | 252 |
| Efficiency ratio | 69.2825% | 3,447 |
| Assets per employee ($millions) | 4.1108% | 3,659 |
| Cash dividends to net income (ytd only)* | 10.2459% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 3,437 |
| Loan loss allowance to noncurrent loans | 2,658.3333% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.6009% | 3,614 |
| Noncurrent loans to loans | 0.0475% | 5,559 |
| Net loans and leases to total assets | 60.6403% | 3,732 |
| Net loans and leases to deposits | 68.9323% | 4,040 |
| Net loans and leases to core deposits | 69.4161% | 4,377 |
| Total domestic deposits to total assets | 87.9707% | 1,665 |
| Equity capital to assets | 10.3484% | 3,621 |
| Core capital (leverage) ratio | 9.5795% | 4,164 |
| Tier 1 risk-based capital ratio | 15.3758% | 3,172 |
| Total risk-based capital ratio | 16.5837% | 3,123 |
| Memoranda: | ||
| Average total assets | $41,601,670 | 5,869 |
| Average earning assets | $38,676,670 | 5,846 |
| Average equity | $4,219,000 | 5,957 |
| Average total loans | $24,516,330 | 5,683 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 1,781 |
| Cost of funding earning assets | 0.3082% | 4,351 |
| Net interest margin | 4.0884% | 1,309 |
| Noninterest income to average assets | 0.3441% | 4,445 |
| Noninterest expense to average assets | 2.9153% | 2,856 |
| Loan and lease loss provision to assets | 0.1434% | 1,423 |
| Net operating income to assets | 1.0514% | 2,028 |
| Return on assets (ROA) | 1.0514% | 2,171 |
| Pretax return on assets | 1.0896% | 3,127 |
| Return on Equity (ROE) | 10.4725% | 1,804 |
| Retained earnings to average equity (ytd only) | 10.4725% | 817 |
| Net charge-offs to loans | 0.0166% | 2,836 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 405 |
| Efficiency ratio | 70.2765% | 3,432 |
| Assets per employee ($millions) | 4.1643% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 3,594 |
| Loan loss allowance to noncurrent loans | 2,533.3333% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.9293% | 2,773 |
| Noncurrent loans to loans | 0.0500% | 5,580 |
| Net loans and leases to total assets | 56.8811% | 4,103 |
| Net loans and leases to deposits | 65.0152% | 4,268 |
| Net loans and leases to core deposits | 65.9217% | 4,524 |
| Total domestic deposits to total assets | 87.4889% | 2,112 |
| Equity capital to assets | 10.3643% | 3,696 |
| Core capital (leverage) ratio | 9.4191% | 4,398 |
| Tier 1 risk-based capital ratio | 16.0816% | 2,884 |
| Total risk-based capital ratio | 17.3224% | 2,821 |
| Memoranda: | ||
| Average total assets | $41,848,500 | 5,920 |
| Average earning assets | $38,939,000 | 5,898 |
| Average equity | $4,201,500 | 6,014 |
| Average total loans | $24,151,000 | 5,742 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 2,422 |
| Cost of funding earning assets | 0.3400% | 4,368 |
| Net interest margin | 4.0074% | 1,879 |
| Noninterest income to average assets | 0.4188% | 4,045 |
| Noninterest expense to average assets | 2.8738% | 3,225 |
| Loan and lease loss provision to assets | 0.0963% | 2,546 |
| Net operating income to assets | 1.1408% | 1,811 |
| Return on assets (ROA) | 1.2564% | 1,473 |
| Pretax return on assets | 1.3141% | 2,196 |
| Return on Equity (ROE) | 13.0539% | 1,125 |
| Retained earnings to average equity (ytd only) | 4.0762% | 3,306 |
| Net charge-offs to loans | 0.0919% | 3,181 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 26.8000% | 1,454 |
| Efficiency ratio | 69.0173% | 3,709 |
| Assets per employee ($millions) | 4.2054% | 3,531 |
| Cash dividends to net income (ytd only)* | 68.7739% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 4,043 |
| Loan loss allowance to noncurrent loans | 2,416.6667% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.9202% | 2,915 |
| Noncurrent loans to loans | 0.0494% | 5,683 |
| Net loans and leases to total assets | 57.1194% | 4,177 |
| Net loans and leases to deposits | 67.9461% | 4,131 |
| Net loans and leases to core deposits | 68.4320% | 4,458 |
| Total domestic deposits to total assets | 84.0657% | 3,688 |
| Equity capital to assets | 9.7185% | 4,443 |
| Core capital (leverage) ratio | 9.1334% | 4,774 |
| Tier 1 risk-based capital ratio | 14.3113% | 3,892 |
| Total risk-based capital ratio | 15.3953% | 3,929 |
| Memoranda: | ||
| Average total assets | $41,548,000 | 5,998 |
| Average earning assets | $38,828,600 | 5,955 |
| Average equity | $3,998,800 | 6,090 |
| Average total loans | $21,772,400 | 5,889 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3073% | 2,601 |
| Cost of funding earning assets | 0.3374% | 4,502 |
| Net interest margin | 3.9699% | 1,964 |
| Noninterest income to average assets | 0.3991% | 4,250 |
| Noninterest expense to average assets | 2.7521% | 3,636 |
| Loan and lease loss provision to assets | 0.0805% | 2,740 |
| Net operating income to assets | 1.2093% | 1,654 |
| Return on assets (ROA) | 1.3745% | 1,231 |
| Pretax return on assets | 1.4517% | 1,798 |
| Return on Equity (ROE) | 14.3162% | 930 |
| Retained earnings to average equity (ytd only) | 10.0917% | 683 |
| Net charge-offs to loans | 0.0126% | 4,304 |
| Credit loss provision to net charge-offs | 1,250.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 210.7303% | 310 |
| Efficiency ratio | 66.9538% | 4,057 |
| Assets per employee ($millions) | 4.1399% | 3,581 |
| Cash dividends to net income (ytd only)* | 29.5089% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 3,960 |
| Loan loss allowance to noncurrent loans | 175.4491% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.9710% | 3,025 |
| Noncurrent loans to loans | 0.7120% | 3,829 |
| Net loans and leases to total assets | 55.9506% | 4,337 |
| Net loans and leases to deposits | 66.2823% | 4,299 |
| Net loans and leases to core deposits | 66.7618% | 4,634 |
| Total domestic deposits to total assets | 84.4127% | 3,584 |
| Equity capital to assets | 10.1162% | 4,033 |
| Core capital (leverage) ratio | 9.6123% | 4,219 |
| Tier 1 risk-based capital ratio | 15.3261% | 3,408 |
| Total risk-based capital ratio | 16.4580% | 3,413 |
| Memoranda: | ||
| Average total assets | $41,421,500 | 6,073 |
| Average earning assets | $38,724,000 | 6,031 |
| Average equity | $3,976,750 | 6,163 |
| Average total loans | $21,137,750 | 5,976 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3190% | 2,523 |
| Cost of funding earning assets | 0.3314% | 4,629 |
| Net interest margin | 3.9875% | 1,847 |
| Noninterest income to average assets | 0.3669% | 4,502 |
| Noninterest expense to average assets | 2.7662% | 3,635 |
| Loan and lease loss provision to assets | 0.0434% | 3,448 |
| Net operating income to assets | 1.2503% | 1,446 |
| Return on assets (ROA) | 1.2503% | 1,508 |
| Pretax return on assets | 1.2745% | 2,353 |
| Return on Equity (ROE) | 13.2605% | 1,110 |
| Retained earnings to average equity (ytd only) | 8.0894% | 1,294 |
| Net charge-offs to loans | 0.0196% | 3,820 |
| Credit loss provision to net charge-offs | 450.0000% | 632 |
| Earnings coverage of net charge-offs (x) | 136.5000% | 442 |
| Efficiency ratio | 67.7305% | 4,053 |
| Assets per employee ($millions) | 4.2025% | 3,456 |
| Cash dividends to net income (ytd only)* | 38.9961% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 3,763 |
| Loan loss allowance to noncurrent loans | 2,518.1818% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 4,233 |
| Noncurrent loans to loans | 0.0523% | 5,885 |
| Net loans and leases to total assets | 49.3730% | 5,029 |
| Net loans and leases to deposits | 57.0404% | 5,119 |
| Net loans and leases to core deposits | 57.4653% | 5,309 |
| Total domestic deposits to total assets | 86.5580% | 2,727 |
| Equity capital to assets | 9.7751% | 4,396 |
| Core capital (leverage) ratio | 9.2809% | 4,622 |
| Tier 1 risk-based capital ratio | 14.8667% | 3,707 |
| Total risk-based capital ratio | 15.9436% | 3,764 |
| Memoranda: | ||
| Average total assets | $41,429,000 | 6,127 |
| Average earning assets | $38,620,330 | 6,087 |
| Average equity | $3,906,330 | 6,220 |
| Average total loans | $20,365,000 | 6,062 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4475% | 1,968 |
| Cost of funding earning assets | 0.3575% | 4,468 |
| Net interest margin | 4.0900% | 1,490 |
| Noninterest income to average assets | 0.3890% | 4,281 |
| Noninterest expense to average assets | 2.7327% | 3,824 |
| Loan and lease loss provision to assets | 0.0389% | 3,295 |
| Net operating income to assets | 1.3518% | 1,097 |
| Return on assets (ROA) | 1.3518% | 1,140 |
| Pretax return on assets | 1.4004% | 1,745 |
| Return on Equity (ROE) | 14.6104% | 840 |
| Retained earnings to average equity (ytd only) | 14.6104% | 352 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5012% | 4,609 |
| Assets per employee ($millions) | 4.1062% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 3,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6454% | 4,202 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 47.9007% | 5,144 |
| Net loans and leases to deposits | 55.3744% | 5,167 |
| Net loans and leases to core deposits | 55.7954% | 5,372 |
| Total domestic deposits to total assets | 86.5033% | 3,102 |
| Equity capital to assets | 9.6513% | 4,291 |
| Core capital (leverage) ratio | 9.3927% | 4,430 |
| Tier 1 risk-based capital ratio | 16.0820% | 3,135 |
| Total risk-based capital ratio | 17.2443% | 3,125 |
| Memoranda: | ||
| Average total assets | $41,131,000 | 6,195 |
| Average earning assets | $38,044,000 | 6,172 |
| Average equity | $3,805,500 | 6,288 |
| Average total loans | $20,034,500 | 6,136 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 3,389 |
| Cost of funding earning assets | 0.4503% | 4,111 |
| Net interest margin | 3.7369% | 2,909 |
| Noninterest income to average assets | 0.5217% | 3,615 |
| Noninterest expense to average assets | 2.9265% | 3,288 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9919% | 2,362 |
| Return on assets (ROA) | 1.3341% | 1,213 |
| Pretax return on assets | 1.3987% | 1,783 |
| Return on Equity (ROE) | 13.1514% | 1,139 |
| Retained earnings to average equity (ytd only) | 5.8043% | 2,097 |
| Net charge-offs to loans | 0.0111% | 5,231 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 215 |
| Efficiency ratio | 73.8095% | 3,159 |
| Assets per employee ($millions) | 4.1200% | 3,599 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 3,928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6432% | 4,306 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 48.1917% | 5,278 |
| Net loans and leases to deposits | 56.5976% | 5,247 |
| Net loans and leases to core deposits | 57.5340% | 5,422 |
| Total domestic deposits to total assets | 85.1481% | 3,666 |
| Equity capital to assets | 8.8544% | 5,195 |
| Core capital (leverage) ratio | 8.9642% | 5,056 |
| Tier 1 risk-based capital ratio | 15.5224% | 3,363 |
| Total risk-based capital ratio | 16.6660% | 3,371 |
| Memoranda: | ||
| Average total assets | $40,252,400 | 6,280 |
| Average earning assets | $37,089,600 | 6,252 |
| Average equity | $4,083,200 | 6,308 |
| Average total loans | $17,992,000 | 6,283 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 3,252 |
| Cost of funding earning assets | 0.4492% | 4,283 |
| Net interest margin | 3.7855% | 2,699 |
| Noninterest income to average assets | 0.5264% | 3,617 |
| Noninterest expense to average assets | 2.8888% | 3,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0822% | 2,077 |
| Return on assets (ROA) | 1.5460% | 874 |
| Pretax return on assets | 1.6027% | 1,331 |
| Return on Equity (ROE) | 14.7579% | 844 |
| Retained earnings to average equity (ytd only) | 13.1677% | 322 |
| Net charge-offs to loans | 0.0229% | 4,673 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 111.9975% | 456 |
| Efficiency ratio | 72.0698% | 3,389 |
| Assets per employee ($millions) | 4.0820% | 3,672 |
| Cash dividends to net income (ytd only)* | 10.7767% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 3,935 |
| Loan loss allowance to noncurrent loans | 2,690.0000% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.6737% | 4,428 |
| Noncurrent loans to loans | 0.0517% | 6,190 |
| Net loans and leases to total assets | 46.7246% | 5,469 |
| Net loans and leases to deposits | 57.3279% | 5,249 |
| Net loans and leases to core deposits | 58.3290% | 5,424 |
| Total domestic deposits to total assets | 81.5042% | 5,085 |
| Equity capital to assets | 9.8187% | 4,153 |
| Core capital (leverage) ratio | 9.6239% | 4,213 |
| Tier 1 risk-based capital ratio | 16.3476% | 3,015 |
| Total risk-based capital ratio | 17.4919% | 3,028 |
| Memoranda: | ||
| Average total assets | $40,015,500 | 6,359 |
| Average earning assets | $36,805,750 | 6,335 |
| Average equity | $4,192,000 | 6,356 |
| Average total loans | $17,458,750 | 6,367 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 3,300 |
| Cost of funding earning assets | 0.4600% | 4,312 |
| Net interest margin | 3.7563% | 2,738 |
| Noninterest income to average assets | 0.5032% | 3,810 |
| Noninterest expense to average assets | 2.9587% | 3,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9532% | 2,552 |
| Return on assets (ROA) | 1.4894% | 989 |
| Pretax return on assets | 1.5548% | 1,468 |
| Return on Equity (ROE) | 13.9185% | 1,025 |
| Retained earnings to average equity (ytd only) | 11.5674% | 555 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8092% | 2,973 |
| Assets per employee ($millions) | 4.0174% | 3,762 |
| Cash dividends to net income (ytd only)* | 16.8919% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 3,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6596% | 4,578 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 43.3066% | 5,799 |
| Net loans and leases to deposits | 50.6433% | 5,790 |
| Net loans and leases to core deposits | 51.5267% | 5,921 |
| Total domestic deposits to total assets | 85.5130% | 3,635 |
| Equity capital to assets | 9.6207% | 4,422 |
| Core capital (leverage) ratio | 9.1919% | 4,706 |
| Tier 1 risk-based capital ratio | 16.6485% | 2,865 |
| Total risk-based capital ratio | 17.8808% | 2,841 |
| Memoranda: | ||
| Average total assets | $39,747,330 | 6,412 |
| Average earning assets | $36,525,000 | 6,381 |
| Average equity | $4,253,330 | 6,394 |
| Average total loans | $16,831,000 | 6,433 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1563% | 3,487 |
| Cost of funding earning assets | 0.4741% | 4,335 |
| Net interest margin | 3.6822% | 2,937 |
| Noninterest income to average assets | 0.5059% | 3,736 |
| Noninterest expense to average assets | 3.1062% | 2,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7487% | 3,441 |
| Return on assets (ROA) | 0.7487% | 3,575 |
| Pretax return on assets | 0.7791% | 4,256 |
| Return on Equity (ROE) | 6.6554% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.6554% | 2,341 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9479% | 2,339 |
| Assets per employee ($millions) | 4.0118% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 2,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 4,723 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 39.1271% | 6,073 |
| Net loans and leases to deposits | 44.7539% | 6,139 |
| Net loans and leases to core deposits | 45.5170% | 6,238 |
| Total domestic deposits to total assets | 87.4271% | 2,673 |
| Equity capital to assets | 11.0873% | 2,863 |
| Core capital (leverage) ratio | 8.8031% | 5,185 |
| Tier 1 risk-based capital ratio | 15.9859% | 3,280 |
| Total risk-based capital ratio | 17.2272% | 3,240 |
| Memoranda: | ||
| Average total assets | $39,534,000 | 6,479 |
| Average earning assets | $36,282,500 | 6,459 |
| Average equity | $4,447,500 | 6,406 |
| Average total loans | $16,411,500 | 6,512 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2185% | 4,514 |
| Cost of funding earning assets | 0.6046% | 4,302 |
| Net interest margin | 3.6139% | 4,028 |
| Noninterest income to average assets | 0.5167% | 3,794 |
| Noninterest expense to average assets | 3.0036% | 3,259 |
| Loan and lease loss provision to assets | -0.2393% | 6,995 |
| Net operating income to assets | 1.0334% | 2,198 |
| Return on assets (ROA) | 1.0334% | 2,398 |
| Pretax return on assets | 1.0844% | 3,217 |
| Return on Equity (ROE) | 9.4648% | 2,420 |
| Retained earnings to average equity (ytd only) | 5.1520% | 2,604 |
| Net charge-offs to loans | -0.0123% | 6,494 |
| Credit loss provision to net charge-offs | 4,700.0000% | 54 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0423% | 2,442 |
| Assets per employee ($millions) | 4.3278% | 3,295 |
| Cash dividends to net income (ytd only)* | 45.5665% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 3,246 |
| Loan loss allowance to noncurrent loans | 98.5507% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.3890% | 3,316 |
| Noncurrent loans to loans | 1.6376% | 3,164 |
| Net loans and leases to total assets | 42.5725% | 5,944 |
| Net loans and leases to deposits | 51.5625% | 5,836 |
| Net loans and leases to core deposits | 52.5229% | 5,978 |
| Total domestic deposits to total assets | 82.5648% | 4,906 |
| Equity capital to assets | 11.4172% | 2,520 |
| Core capital (leverage) ratio | 8.7358% | 5,271 |
| Tier 1 risk-based capital ratio | 15.7370% | 3,298 |
| Total risk-based capital ratio | 16.9857% | 3,257 |
| Memoranda: | ||
| Average total assets | $39,286,000 | 6,524 |
| Average earning assets | $36,221,600 | 6,495 |
| Average equity | $4,289,600 | 6,499 |
| Average total loans | $16,248,400 | 6,588 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 4,691 |
| Cost of funding earning assets | 0.6290% | 4,374 |
| Net interest margin | 3.6048% | 4,218 |
| Noninterest income to average assets | 0.4944% | 3,964 |
| Noninterest expense to average assets | 2.9870% | 3,278 |
| Loan and lease loss provision to assets | -0.3183% | 7,124 |
| Net operating income to assets | 1.1447% | 1,927 |
| Return on assets (ROA) | 1.1447% | 2,121 |
| Pretax return on assets | 1.1447% | 3,182 |
| Return on Equity (ROE) | 10.6031% | 2,098 |
| Retained earnings to average equity (ytd only) | 10.6031% | 762 |
| Net charge-offs to loans | -0.0166% | 6,461 |
| Credit loss provision to net charge-offs | 4,700.0000% | 59 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3304% | 2,350 |
| Assets per employee ($millions) | 3.8964% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 2,966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 4,862 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 39.1695% | 6,338 |
| Net loans and leases to deposits | 45.4591% | 6,423 |
| Net loans and leases to core deposits | 46.2920% | 6,501 |
| Total domestic deposits to total assets | 86.1642% | 3,164 |
| Equity capital to assets | 11.8520% | 2,390 |
| Core capital (leverage) ratio | 9.0030% | 5,065 |
| Tier 1 risk-based capital ratio | 17.4379% | 2,563 |
| Total risk-based capital ratio | 18.6870% | 2,532 |
| Memoranda: | ||
| Average total assets | $39,370,000 | 6,603 |
| Average earning assets | $36,246,500 | 6,575 |
| Average equity | $4,250,250 | 6,586 |
| Average total loans | $16,097,000 | 6,679 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2012% | 4,949 |
| Cost of funding earning assets | 0.6838% | 4,154 |
| Net interest margin | 3.5174% | 4,598 |
| Noninterest income to average assets | 0.4759% | 4,088 |
| Noninterest expense to average assets | 2.8756% | 3,726 |
| Loan and lease loss provision to assets | -0.4759% | 7,201 |
| Net operating income to assets | 1.3315% | 1,357 |
| Return on assets (ROA) | 1.3315% | 1,511 |
| Pretax return on assets | 1.3315% | 2,448 |
| Return on Equity (ROE) | 12.7433% | 1,427 |
| Retained earnings to average equity (ytd only) | 12.7433% | 468 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0692% | 2,580 |
| Assets per employee ($millions) | 4.0170% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 3,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8190% | 4,764 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 39.9602% | 6,346 |
| Net loans and leases to deposits | 45.9377% | 6,443 |
| Net loans and leases to core deposits | 46.7430% | 6,530 |
| Total domestic deposits to total assets | 86.9878% | 2,767 |
| Equity capital to assets | 11.0082% | 3,106 |
| Core capital (leverage) ratio | 8.6337% | 5,471 |
| Tier 1 risk-based capital ratio | 16.1262% | 3,109 |
| Total risk-based capital ratio | 17.3760% | 3,071 |
| Memoranda: | ||
| Average total assets | $39,505,330 | 6,646 |
| Average earning assets | $36,560,670 | 6,604 |
| Average equity | $4,127,670 | 6,649 |
| Average total loans | $16,284,670 | 6,718 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 5,145 |
| Cost of funding earning assets | 0.7628% | 3,766 |
| Net interest margin | 3.4269% | 5,004 |
| Noninterest income to average assets | 0.5003% | 3,909 |
| Noninterest expense to average assets | 2.8693% | 3,748 |
| Loan and lease loss provision to assets | 0.0613% | 4,650 |
| Net operating income to assets | 0.7352% | 3,709 |
| Return on assets (ROA) | 0.7352% | 3,943 |
| Pretax return on assets | 0.7352% | 4,671 |
| Return on Equity (ROE) | 7.2353% | 3,639 |
| Retained earnings to average equity (ytd only) | 7.2353% | 2,309 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2730% | 2,458 |
| Assets per employee ($millions) | 3.9355% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4281% | 1,463 |
| Loan loss allowance to noncurrent loans | 174.5283% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 1.3747% | 3,821 |
| Noncurrent loans to loans | 1.3913% | 4,023 |
| Net loans and leases to total assets | 37.7792% | 6,505 |
| Net loans and leases to deposits | 43.1494% | 6,604 |
| Net loans and leases to core deposits | 43.9167% | 6,657 |
| Total domestic deposits to total assets | 87.5543% | 2,617 |
| Equity capital to assets | 10.2554% | 3,786 |
| Core capital (leverage) ratio | 8.4021% | 5,737 |
| Tier 1 risk-based capital ratio | 15.8355% | 3,257 |
| Total risk-based capital ratio | 17.0907% | 3,226 |
| Memoranda: | ||
| Average total assets | $39,173,000 | 6,709 |
| Average earning assets | $36,184,000 | 6,667 |
| Average equity | $3,980,500 | 6,720 |
| Average total loans | $16,266,000 | 6,782 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 3,917 |
| Cost of funding earning assets | 0.9583% | 3,660 |
| Net interest margin | 3.8181% | 3,732 |
| Noninterest income to average assets | 0.5899% | 3,223 |
| Noninterest expense to average assets | 3.0880% | 3,243 |
| Loan and lease loss provision to assets | 0.0997% | 5,343 |
| Net operating income to assets | 0.8281% | 2,917 |
| Return on assets (ROA) | 0.8281% | 3,084 |
| Pretax return on assets | 0.8890% | 3,640 |
| Return on Equity (ROE) | 9.0398% | 2,425 |
| Retained earnings to average equity (ytd only) | 6.6211% | 1,682 |
| Net charge-offs to loans | -0.0249% | 6,979 |
| Credit loss provision to net charge-offs | -900.0000% | 6,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7473% | 2,922 |
| Assets per employee ($millions) | 3.8991% | 4,077 |
| Cash dividends to net income (ytd only)* | 26.7559% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1048% | 1,992 |
| Loan loss allowance to noncurrent loans | 159.6491% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 1.4285% | 3,848 |
| Noncurrent loans to loans | 1.3184% | 4,170 |
| Net loans and leases to total assets | 43.4203% | 6,258 |
| Net loans and leases to deposits | 51.5655% | 6,250 |
| Net loans and leases to core deposits | 52.7299% | 6,386 |
| Total domestic deposits to total assets | 84.2040% | 4,235 |
| Equity capital to assets | 10.0664% | 4,079 |
| Core capital (leverage) ratio | 8.2685% | 5,895 |
| Tier 1 risk-based capital ratio | 13.9454% | 4,363 |
| Total risk-based capital ratio | 15.1974% | 4,319 |
| Memoranda: | ||
| Average total assets | $36,107,200 | 6,793 |
| Average earning assets | $32,974,600 | 6,783 |
| Average equity | $3,307,600 | 6,930 |
| Average total loans | $16,038,600 | 6,845 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8666% | 3,699 |
| Cost of funding earning assets | 1.0098% | 3,613 |
| Net interest margin | 3.8569% | 3,581 |
| Noninterest income to average assets | 0.5916% | 3,221 |
| Noninterest expense to average assets | 3.0783% | 3,241 |
| Loan and lease loss provision to assets | 0.1017% | 5,172 |
| Net operating income to assets | 0.8742% | 2,843 |
| Return on assets (ROA) | 0.8742% | 2,992 |
| Pretax return on assets | 0.9231% | 3,677 |
| Return on Equity (ROE) | 9.8099% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.8099% | 897 |
| Net charge-offs to loans | -0.0593% | 7,080 |
| Credit loss provision to net charge-offs | -385.7143% | 6,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0230% | 2,995 |
| Assets per employee ($millions) | 3.6574% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2499% | 1,780 |
| Loan loss allowance to noncurrent loans | 153.6481% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 1.5366% | 3,789 |
| Noncurrent loans to loans | 1.4643% | 4,103 |
| Net loans and leases to total assets | 42.5275% | 6,463 |
| Net loans and leases to deposits | 48.8966% | 6,569 |
| Net loans and leases to core deposits | 50.0676% | 6,665 |
| Total domestic deposits to total assets | 86.9744% | 2,675 |
| Equity capital to assets | 10.8356% | 3,313 |
| Core capital (leverage) ratio | 8.9071% | 5,085 |
| Tier 1 risk-based capital ratio | 16.3030% | 2,970 |
| Total risk-based capital ratio | 17.5586% | 2,931 |
| Memoranda: | ||
| Average total assets | $35,386,250 | 6,881 |
| Average earning assets | $32,218,750 | 6,860 |
| Average equity | $3,153,250 | 7,036 |
| Average total loans | $15,724,750 | 6,933 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9099% | 3,571 |
| Cost of funding earning assets | 1.0799% | 3,392 |
| Net interest margin | 3.8299% | 3,648 |
| Noninterest income to average assets | 0.5716% | 3,323 |
| Noninterest expense to average assets | 3.1666% | 3,021 |
| Loan and lease loss provision to assets | 0.1029% | 5,026 |
| Net operating income to assets | 0.7145% | 3,471 |
| Return on assets (ROA) | 0.7145% | 3,585 |
| Pretax return on assets | 0.7888% | 4,076 |
| Return on Equity (ROE) | 8.6705% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.6705% | 1,213 |
| Net charge-offs to loans | -0.0894% | 7,138 |
| Credit loss provision to net charge-offs | -257.1429% | 6,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0282% | 2,706 |
| Assets per employee ($millions) | 3.5694% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3001% | 1,743 |
| Loan loss allowance to noncurrent loans | 147.2574% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 1.5857% | 3,818 |
| Noncurrent loans to loans | 1.5620% | 4,067 |
| Net loans and leases to total assets | 41.5308% | 6,623 |
| Net loans and leases to deposits | 46.9396% | 6,784 |
| Net loans and leases to core deposits | 48.0721% | 6,854 |
| Total domestic deposits to total assets | 88.4771% | 1,869 |
| Equity capital to assets | 9.2817% | 5,165 |
| Core capital (leverage) ratio | 8.7636% | 5,104 |
| Tier 1 risk-based capital ratio | 16.2805% | 2,845 |
| Total risk-based capital ratio | 17.5357% | 2,811 |
| Memoranda: | ||
| Average total assets | $34,990,330 | 6,957 |
| Average earning assets | $31,854,330 | 6,938 |
| Average equity | $2,883,330 | 7,158 |
| Average total loans | $15,662,330 | 6,998 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 3,358 |
| Cost of funding earning assets | 1.1337% | 3,277 |
| Net interest margin | 3.8087% | 3,576 |
| Noninterest income to average assets | 0.5658% | 3,400 |
| Noninterest expense to average assets | 3.1526% | 3,062 |
| Loan and lease loss provision to assets | 0.1039% | 4,711 |
| Net operating income to assets | 0.6120% | 3,975 |
| Return on assets (ROA) | 0.6120% | 4,041 |
| Pretax return on assets | 0.7622% | 4,046 |
| Return on Equity (ROE) | 7.9445% | 2,936 |
| Retained earnings to average equity (ytd only) | 7.9445% | 1,752 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4483% | 2,777 |
| Assets per employee ($millions) | 3.4743% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2679% | 1,824 |
| Loan loss allowance to noncurrent loans | 137.7593% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 1.6406% | 3,789 |
| Noncurrent loans to loans | 1.6463% | 4,011 |
| Net loans and leases to total assets | 41.1795% | 6,694 |
| Net loans and leases to deposits | 45.8587% | 6,860 |
| Net loans and leases to core deposits | 46.9683% | 6,928 |
| Total domestic deposits to total assets | 89.7965% | 1,289 |
| Equity capital to assets | 7.9700% | 6,527 |
| Core capital (leverage) ratio | 8.7531% | 4,993 |
| Tier 1 risk-based capital ratio | 16.0196% | 2,892 |
| Total risk-based capital ratio | 17.2733% | 2,865 |
| Memoranda: | ||
| Average total assets | $34,638,500 | 7,023 |
| Average earning assets | $31,402,000 | 7,004 |
| Average equity | $2,668,500 | 7,248 |
| Average total loans | $15,907,000 | 7,038 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1938% | 3,640 |
| Cost of funding earning assets | 1.3266% | 3,708 |
| Net interest margin | 3.8672% | 3,655 |
| Noninterest income to average assets | 0.6355% | 3,240 |
| Noninterest expense to average assets | 3.2992% | 2,740 |
| Loan and lease loss provision to assets | 0.4527% | 3,407 |
| Net operating income to assets | 0.3801% | 4,637 |
| Return on assets (ROA) | 0.6587% | 3,538 |
| Pretax return on assets | 0.6471% | 4,178 |
| Return on Equity (ROE) | 7.9326% | 2,720 |
| Retained earnings to average equity (ytd only) | 7.9326% | 998 |
| Net charge-offs to loans | 1.2821% | 1,746 |
| Credit loss provision to net charge-offs | 69.6429% | 5,872 |
| Earnings coverage of net charge-offs (x) | 1.2634% | 4,843 |
| Efficiency ratio | 80.0704% | 2,404 |
| Assets per employee ($millions) | 3.8371% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8806% | 2,614 |
| Loan loss allowance to noncurrent loans | 54.5608% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 2.6669% | 2,612 |
| Noncurrent loans to loans | 3.4469% | 2,200 |
| Net loans and leases to total assets | 48.7983% | 6,295 |
| Net loans and leases to deposits | 54.0128% | 6,609 |
| Net loans and leases to core deposits | 55.3178% | 6,736 |
| Total domestic deposits to total assets | 90.3457% | 910 |
| Equity capital to assets | 7.4361% | 6,912 |
| Core capital (leverage) ratio | 8.5776% | 5,227 |
| Tier 1 risk-based capital ratio | 14.2618% | 3,708 |
| Total risk-based capital ratio | 15.5172% | 3,654 |
| Memoranda: | ||
| Average total assets | $34,463,200 | 7,057 |
| Average earning assets | $31,056,400 | 7,048 |
| Average equity | $2,861,600 | 7,313 |
| Average total loans | $17,471,200 | 7,062 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2062% | 3,795 |
| Cost of funding earning assets | 1.3628% | 3,818 |
| Net interest margin | 3.8434% | 3,780 |
| Noninterest income to average assets | 0.6193% | 3,319 |
| Noninterest expense to average assets | 3.3985% | 2,300 |
| Loan and lease loss provision to assets | 0.2980% | 4,192 |
| Net operating income to assets | 0.4025% | 4,739 |
| Return on assets (ROA) | 0.4025% | 4,914 |
| Pretax return on assets | 0.3832% | 5,270 |
| Return on Equity (ROE) | 4.7244% | 4,441 |
| Retained earnings to average equity (ytd only) | 4.7244% | 3,177 |
| Net charge-offs to loans | 1.7022% | 1,150 |
| Credit loss provision to net charge-offs | 34.3750% | 6,101 |
| Earnings coverage of net charge-offs (x) | 0.7857% | 5,263 |
| Efficiency ratio | 83.3017% | 1,916 |
| Assets per employee ($millions) | 3.8493% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 4,513 |
| Loan loss allowance to noncurrent loans | 34.6045% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 2.9933% | 2,429 |
| Noncurrent loans to loans | 4.0207% | 1,867 |
| Net loans and leases to total assets | 50.1212% | 6,313 |
| Net loans and leases to deposits | 57.2899% | 6,522 |
| Net loans and leases to core deposits | 58.7495% | 6,690 |
| Total domestic deposits to total assets | 87.4870% | 2,269 |
| Equity capital to assets | 9.2195% | 5,283 |
| Core capital (leverage) ratio | 8.1844% | 6,066 |
| Tier 1 risk-based capital ratio | 13.9813% | 3,853 |
| Total risk-based capital ratio | 15.1760% | 3,850 |
| Memoranda: | ||
| Average total assets | $34,445,500 | 7,147 |
| Average earning assets | $31,013,750 | 7,136 |
| Average equity | $2,935,000 | 7,390 |
| Average total loans | $17,545,250 | 7,146 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 3,614 |
| Cost of funding earning assets | 1.4012% | 3,866 |
| Net interest margin | 3.8663% | 3,604 |
| Noninterest income to average assets | 0.6050% | 3,301 |
| Noninterest expense to average assets | 3.3741% | 2,333 |
| Loan and lease loss provision to assets | 0.3956% | 3,342 |
| Net operating income to assets | 0.3258% | 5,087 |
| Return on assets (ROA) | 0.3258% | 5,250 |
| Pretax return on assets | 0.3025% | 5,492 |
| Return on Equity (ROE) | 3.9317% | 4,811 |
| Retained earnings to average equity (ytd only) | 3.9317% | 3,582 |
| Net charge-offs to loans | 2.2369% | 796 |
| Credit loss provision to net charge-offs | 34.6939% | 5,673 |
| Earnings coverage of net charge-offs (x) | 0.6122% | 5,132 |
| Efficiency ratio | 82.8571% | 2,061 |
| Assets per employee ($millions) | 3.4476% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 3,777 |
| Loan loss allowance to noncurrent loans | 31.6168% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 3.3763% | 2,082 |
| Noncurrent loans to loans | 4.8361% | 1,457 |
| Net loans and leases to total assets | 49.3155% | 6,513 |
| Net loans and leases to deposits | 55.9479% | 6,733 |
| Net loans and leases to core deposits | 56.7225% | 6,900 |
| Total domestic deposits to total assets | 88.1454% | 1,932 |
| Equity capital to assets | 8.7162% | 5,860 |
| Core capital (leverage) ratio | 8.1655% | 6,011 |
| Tier 1 risk-based capital ratio | 13.0768% | 4,377 |
| Total risk-based capital ratio | 14.3023% | 4,351 |
| Memoranda: | ||
| Average total assets | $34,379,330 | 7,199 |
| Average earning assets | $30,830,670 | 7,195 |
| Average equity | $2,848,670 | 7,461 |
| Average total loans | $17,524,000 | 7,197 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 3,491 |
| Cost of funding earning assets | 1.4458% | 3,904 |
| Net interest margin | 3.8644% | 3,488 |
| Noninterest income to average assets | 0.5360% | 3,770 |
| Noninterest expense to average assets | 3.3672% | 2,318 |
| Loan and lease loss provision to assets | 0.1049% | 5,575 |
| Net operating income to assets | 0.4894% | 4,444 |
| Return on assets (ROA) | 0.4894% | 4,580 |
| Pretax return on assets | 0.4894% | 5,001 |
| Return on Equity (ROE) | 6.0639% | 3,850 |
| Retained earnings to average equity (ytd only) | 6.0639% | 2,595 |
| Net charge-offs to loans | 0.3172% | 3,145 |
| Credit loss provision to net charge-offs | 64.2857% | 4,221 |
| Earnings coverage of net charge-offs (x) | 3.6429% | 2,838 |
| Efficiency ratio | 85.0000% | 1,909 |
| Assets per employee ($millions) | 3.4340% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2770% | 1,615 |
| Loan loss allowance to noncurrent loans | 31.4379% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 4.5515% | 1,480 |
| Noncurrent loans to loans | 7.2429% | 809 |
| Net loans and leases to total assets | 48.3663% | 6,634 |
| Net loans and leases to deposits | 54.5864% | 6,879 |
| Net loans and leases to core deposits | 55.9565% | 7,001 |
| Total domestic deposits to total assets | 88.6051% | 1,730 |
| Equity capital to assets | 8.2935% | 6,310 |
| Core capital (leverage) ratio | 8.2838% | 5,769 |
| Tier 1 risk-based capital ratio | 13.9005% | 3,725 |
| Total risk-based capital ratio | 15.1646% | 3,673 |
| Memoranda: | ||
| Average total assets | $34,331,000 | 7,290 |
| Average earning assets | $30,432,000 | 7,302 |
| Average equity | $2,770,500 | 7,562 |
| Average total loans | $17,653,000 | 7,277 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5502% | 3,871 |
| Cost of funding earning assets | 1.8900% | 3,519 |
| Net interest margin | 3.6602% | 4,310 |
| Noninterest income to average assets | 0.7020% | 2,958 |
| Noninterest expense to average assets | 3.4446% | 2,543 |
| Loan and lease loss provision to assets | 0.4224% | 4,293 |
| Net operating income to assets | 0.1460% | 5,058 |
| Return on assets (ROA) | 0.1460% | 5,128 |
| Pretax return on assets | 0.1553% | 5,102 |
| Return on Equity (ROE) | 1.8676% | 4,955 |
| Retained earnings to average equity (ytd only) | 1.8676% | 3,786 |
| Net charge-offs to loans | 0.5398% | 3,631 |
| Credit loss provision to net charge-offs | 141.6667% | 3,415 |
| Earnings coverage of net charge-offs (x) | 1.9375% | 4,270 |
| Efficiency ratio | 85.6371% | 2,156 |
| Assets per employee ($millions) | 3.4322% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1354% | 1,761 |
| Loan loss allowance to noncurrent loans | 25.8598% | 6,746 |
| Noncurrent assets plus other real estate owned to assets | 5.3843% | 1,091 |
| Noncurrent loans to loans | 8.2578% | 587 |
| Net loans and leases to total assets | 52.2085% | 6,400 |
| Net loans and leases to deposits | 58.6431% | 6,732 |
| Net loans and leases to core deposits | 67.3596% | 6,911 |
| Total domestic deposits to total assets | 89.0274% | 1,471 |
| Equity capital to assets | 7.8463% | 6,724 |
| Core capital (leverage) ratio | 8.3218% | 5,573 |
| Tier 1 risk-based capital ratio | 13.0616% | 4,101 |
| Total risk-based capital ratio | 14.3384% | 4,035 |
| Memoranda: | ||
| Average total assets | $32,195,000 | 7,394 |
| Average earning assets | $29,206,200 | 7,388 |
| Average equity | $2,516,600 | 7,727 |
| Average total loans | $17,784,400 | 7,324 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6798% | 3,436 |
| Cost of funding earning assets | 1.9704% | 3,513 |
| Net interest margin | 3.7094% | 4,027 |
| Noninterest income to average assets | 0.7116% | 2,940 |
| Noninterest expense to average assets | 3.3308% | 2,804 |
| Loan and lease loss provision to assets | 0.4295% | 3,754 |
| Net operating income to assets | 0.3158% | 4,736 |
| Return on assets (ROA) | 0.3158% | 4,845 |
| Pretax return on assets | 0.3285% | 4,985 |
| Return on Equity (ROE) | 4.0445% | 4,359 |
| Retained earnings to average equity (ytd only) | 4.0445% | 3,017 |
| Net charge-offs to loans | 0.5287% | 3,100 |
| Credit loss provision to net charge-offs | 145.7143% | 3,339 |
| Earnings coverage of net charge-offs (x) | 2.5714% | 3,940 |
| Efficiency ratio | 81.4624% | 2,653 |
| Assets per employee ($millions) | 3.1525% | 5,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2157% | 1,395 |
| Loan loss allowance to noncurrent loans | 35.0365% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 4.9770% | 1,180 |
| Noncurrent loans to loans | 6.3239% | 922 |
| Net loans and leases to total assets | 53.7573% | 6,413 |
| Net loans and leases to deposits | 61.1275% | 6,742 |
| Net loans and leases to core deposits | 72.7901% | 6,792 |
| Total domestic deposits to total assets | 87.9429% | 1,683 |
| Equity capital to assets | 8.5932% | 6,122 |
| Core capital (leverage) ratio | 8.3510% | 5,749 |
| Tier 1 risk-based capital ratio | 12.9507% | 4,225 |
| Total risk-based capital ratio | 14.1722% | 4,179 |
| Memoranda: | ||
| Average total assets | $31,663,250 | 7,475 |
| Average earning assets | $28,826,750 | 7,465 |
| Average equity | $2,472,500 | 7,814 |
| Average total loans | $17,653,000 | 7,393 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6904% | 3,598 |
| Cost of funding earning assets | 2.0308% | 3,620 |
| Net interest margin | 3.6596% | 4,123 |
| Noninterest income to average assets | 0.6938% | 3,027 |
| Noninterest expense to average assets | 3.1789% | 3,398 |
| Loan and lease loss provision to assets | 0.4604% | 3,223 |
| Net operating income to assets | 0.3658% | 4,633 |
| Return on assets (ROA) | 0.3658% | 4,734 |
| Pretax return on assets | 0.3847% | 4,974 |
| Return on Equity (ROE) | 4.8461% | 4,146 |
| Retained earnings to average equity (ytd only) | 4.8461% | 2,597 |
| Net charge-offs to loans | 0.7320% | 2,219 |
| Credit loss provision to net charge-offs | 112.3077% | 4,120 |
| Earnings coverage of net charge-offs (x) | 2.0615% | 4,053 |
| Efficiency ratio | 78.9969% | 3,195 |
| Assets per employee ($millions) | 3.4656% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0856% | 1,422 |
| Loan loss allowance to noncurrent loans | 43.9951% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 4.1712% | 1,387 |
| Noncurrent loans to loans | 4.7406% | 1,329 |
| Net loans and leases to total assets | 54.0366% | 6,447 |
| Net loans and leases to deposits | 61.1805% | 6,803 |
| Net loans and leases to core deposits | 72.7689% | 6,854 |
| Total domestic deposits to total assets | 88.3232% | 1,614 |
| Equity capital to assets | 7.2459% | 7,451 |
| Core capital (leverage) ratio | 8.1660% | 6,044 |
| Tier 1 risk-based capital ratio | 13.0517% | 4,106 |
| Total risk-based capital ratio | 14.2907% | 4,040 |
| Memoranda: | ||
| Average total assets | $31,709,330 | 7,541 |
| Average earning assets | $28,855,670 | 7,536 |
| Average equity | $2,393,670 | 7,908 |
| Average total loans | $17,760,330 | 7,450 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8201% | 3,198 |
| Cost of funding earning assets | 2.0816% | 3,732 |
| Net interest margin | 3.7386% | 3,721 |
| Noninterest income to average assets | 0.6506% | 3,197 |
| Noninterest expense to average assets | 3.0530% | 3,550 |
| Loan and lease loss provision to assets | 0.4880% | 2,525 |
| Net operating income to assets | 0.5255% | 4,312 |
| Return on assets (ROA) | 0.5255% | 4,499 |
| Pretax return on assets | 0.5255% | 5,000 |
| Return on Equity (ROE) | 6.8279% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.8279% | 2,275 |
| Net charge-offs to loans | 1.1756% | 1,173 |
| Credit loss provision to net charge-offs | 73.5849% | 4,288 |
| Earnings coverage of net charge-offs (x) | 1.5283% | 3,963 |
| Efficiency ratio | 75.0769% | 3,648 |
| Assets per employee ($millions) | 3.2294% | 5,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9333% | 1,552 |
| Loan loss allowance to noncurrent loans | 48.7032% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 3.6508% | 1,451 |
| Noncurrent loans to loans | 3.9696% | 1,522 |
| Net loans and leases to total assets | 53.0904% | 6,571 |
| Net loans and leases to deposits | 60.4698% | 6,858 |
| Net loans and leases to core deposits | 69.9197% | 7,024 |
| Total domestic deposits to total assets | 87.7965% | 1,844 |
| Equity capital to assets | 7.8467% | 7,008 |
| Core capital (leverage) ratio | 8.2531% | 5,994 |
| Tier 1 risk-based capital ratio | 13.4614% | 3,889 |
| Total risk-based capital ratio | 14.7167% | 3,807 |
| Memoranda: | ||
| Average total assets | $31,969,000 | 7,568 |
| Average earning assets | $29,209,000 | 7,557 |
| Average equity | $2,460,500 | 7,941 |
| Average total loans | $18,034,000 | 7,486 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4481% | 3,195 |
| Cost of funding earning assets | 2.6767% | 3,284 |
| Net interest margin | 3.7714% | 4,132 |
| Noninterest income to average assets | 0.7429% | 2,824 |
| Noninterest expense to average assets | 3.2591% | 3,121 |
| Loan and lease loss provision to assets | 0.7978% | 1,860 |
| Net operating income to assets | 0.1218% | 6,050 |
| Return on assets (ROA) | 0.1421% | 5,825 |
| Pretax return on assets | 0.1583% | 5,822 |
| Return on Equity (ROE) | 1.8321% | 5,660 |
| Retained earnings to average equity (ytd only) | 1.8321% | 4,093 |
| Net charge-offs to loans | 0.2961% | 3,419 |
| Credit loss provision to net charge-offs | 466.0377% | 946 |
| Earnings coverage of net charge-offs (x) | 5.4528% | 3,642 |
| Efficiency ratio | 77.7350% | 2,963 |
| Assets per employee ($millions) | 3.1644% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8940% | 1,428 |
| Loan loss allowance to noncurrent loans | 39.5062% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 2.8157% | 1,668 |
| Noncurrent loans to loans | 4.7942% | 952 |
| Net loans and leases to total assets | 57.6191% | 6,257 |
| Net loans and leases to deposits | 65.5156% | 6,676 |
| Net loans and leases to core deposits | 79.2463% | 6,673 |
| Total domestic deposits to total assets | 87.9472% | 1,490 |
| Equity capital to assets | 7.5433% | 7,350 |
| Core capital (leverage) ratio | 8.0537% | 6,402 |
| Tier 1 risk-based capital ratio | 12.5106% | 4,427 |
| Total risk-based capital ratio | 13.7691% | 4,326 |
| Memoranda: | ||
| Average total assets | $30,959,400 | 7,603 |
| Average earning assets | $28,318,600 | 7,601 |
| Average equity | $2,401,600 | 8,018 |
| Average total loans | $17,899,800 | 7,464 |