Home > G. W. Jones Exchange Bank > Performance and Condition Ratios
G. W. Jones Exchange 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 | 3.8052% | 4,175 |
| Cost of funding earning assets | 0.6116% | 4,052 |
| Net interest margin | 3.1937% | 2,892 |
| Noninterest income to average assets | 1.2400% | 479 |
| Noninterest expense to average assets | 3.1295% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0102% | 2,186 |
| Return on assets (ROA) | 1.0102% | 2,169 |
| Pretax return on assets | 1.1655% | 2,224 |
| Return on Equity (ROE) | 15.6000% | 1,173 |
| Retained earnings to average equity (ytd only) | 14.3333% | 375 |
| Net charge-offs to loans | 0.0081% | 2,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 713.0000% | 201 |
| Efficiency ratio | 72.8639% | 1,569 |
| Assets per employee ($millions) | 6.3459% | 2,519 |
| Cash dividends to net income (ytd only)* | 8.0906% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 3,066 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 2,084 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 19.6000% | 4,407 |
| Net loans and leases to deposits | 21.1129% | 4,422 |
| Net loans and leases to core deposits | 21.2816% | 4,449 |
| Total domestic deposits to total assets | 92.8200% | 192 |
| Equity capital to assets | 6.6350% | 4,072 |
| Core capital (leverage) ratio | 5.8001% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0366% | 372 |
| Memoranda: | ||
| Average total assets | $122,352,600 | 3,630 |
| Average earning assets | $117,075,200 | 3,574 |
| Average equity | $7,925,600 | 3,938 |
| Average total loans | $24,599,600 | 4,224 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4776% | 4,395 |
| Cost of funding earning assets | 0.5553% | 4,051 |
| Net interest margin | 2.9223% | 3,495 |
| Noninterest income to average assets | 1.2500% | 474 |
| Noninterest expense to average assets | 2.6949% | 1,675 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2386% | 1,681 |
| Return on assets (ROA) | 1.2386% | 1,675 |
| Pretax return on assets | 1.3596% | 1,870 |
| Return on Equity (ROE) | 19.2400% | 797 |
| Retained earnings to average equity (ytd only) | 19.2431% | 288 |
| Net charge-offs to loans | 0.0109% | 1,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 618.0000% | 253 |
| Efficiency ratio | 66.4677% | 2,225 |
| Assets per employee ($millions) | 6.2067% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 3,006 |
| Loan loss allowance to noncurrent loans | 880.0000% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 2,029 |
| Noncurrent loans to loans | 0.1220% | 2,949 |
| Net loans and leases to total assets | 19.6000% | 4,435 |
| Net loans and leases to deposits | 21.0652% | 4,448 |
| Net loans and leases to core deposits | 21.5118% | 4,437 |
| Total domestic deposits to total assets | 93.0500% | 288 |
| Equity capital to assets | 6.4238% | 3,856 |
| Core capital (leverage) ratio | 7.9105% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5906% | 186 |
| Memoranda: | ||
| Average total assets | $121,211,500 | 3,651 |
| Average earning assets | $116,207,750 | 3,597 |
| Average equity | $7,801,750 | 3,953 |
| Average total loans | $24,465,500 | 4,240 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3971% | 4,422 |
| Cost of funding earning assets | 0.5272% | 3,930 |
| Net interest margin | 2.8699% | 3,701 |
| Noninterest income to average assets | 1.4300% | 344 |
| Noninterest expense to average assets | 2.7146% | 1,606 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4022% | 1,323 |
| Return on assets (ROA) | 1.4022% | 1,304 |
| Pretax return on assets | 1.4688% | 1,655 |
| Return on Equity (ROE) | 21.7700% | 558 |
| Retained earnings to average equity (ytd only) | 21.7708% | 192 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.8907% | 2,387 |
| Assets per employee ($millions) | 6.0173% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,111 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 2,026 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 20.5200% | 4,452 |
| Net loans and leases to deposits | 22.1613% | 4,464 |
| Net loans and leases to core deposits | 22.6057% | 4,461 |
| Total domestic deposits to total assets | 92.6000% | 310 |
| Equity capital to assets | 6.6583% | 3,923 |
| Core capital (leverage) ratio | 6.6714% | 4,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6401% | 282 |
| Memoranda: | ||
| Average total assets | $120,237,667 | 3,675 |
| Average earning assets | $115,334,000 | 3,615 |
| Average equity | $7,744,333 | 3,980 |
| Average total loans | $24,422,000 | 4,252 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2508% | 4,469 |
| Cost of funding earning assets | 0.4921% | 3,715 |
| Net interest margin | 2.7587% | 4,003 |
| Noninterest income to average assets | 1.4100% | 351 |
| Noninterest expense to average assets | 2.5994% | 1,951 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4311% | 1,325 |
| Return on assets (ROA) | 1.4311% | 1,297 |
| Pretax return on assets | 1.4644% | 1,741 |
| Return on Equity (ROE) | 22.6000% | 541 |
| Retained earnings to average equity (ytd only) | 22.6018% | 266 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.9640% | 2,467 |
| Assets per employee ($millions) | 6.1455% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 3,091 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 1,963 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 19.5700% | 4,521 |
| Net loans and leases to deposits | 20.9724% | 4,534 |
| Net loans and leases to core deposits | 21.3788% | 4,530 |
| Total domestic deposits to total assets | 93.3100% | 255 |
| Equity capital to assets | 6.2599% | 4,119 |
| Core capital (leverage) ratio | 6.4043% | 4,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0997% | 308 |
| Memoranda: | ||
| Average total assets | $120,183,500 | 3,720 |
| Average earning assets | $115,416,000 | 3,665 |
| Average equity | $7,610,000 | 4,046 |
| Average total loans | $24,151,500 | 4,323 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5195% | 4,500 |
| Cost of funding earning assets | 0.1790% | 3,919 |
| Net interest margin | 2.3405% | 4,401 |
| Noninterest income to average assets | 1.8300% | 279 |
| Noninterest expense to average assets | 3.0592% | 888 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8301% | 3,222 |
| Return on assets (ROA) | 0.8301% | 3,146 |
| Pretax return on assets | 0.9934% | 3,091 |
| Return on Equity (ROE) | 11.9500% | 2,154 |
| Retained earnings to average equity (ytd only) | 9.6671% | 1,250 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.4869% | 1,071 |
| Assets per employee ($millions) | 5.8729% | 2,883 |
| Cash dividends to net income (ytd only)* | 19.1257% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 2,856 |
| Loan loss allowance to noncurrent loans | 143.0108% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 1,270 |
| Noncurrent loans to loans | 0.7755% | 959 |
| Net loans and leases to total assets | 20.1900% | 4,553 |
| Net loans and leases to deposits | 21.6705% | 4,559 |
| Net loans and leases to core deposits | 22.1084% | 4,551 |
| Total domestic deposits to total assets | 93.1900% | 365 |
| Equity capital to assets | 6.4075% | 3,937 |
| Core capital (leverage) ratio | 6.8912% | 4,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4540% | 293 |
| Memoranda: | ||
| Average total assets | $110,224,800 | 3,831 |
| Average earning assets | $104,465,200 | 3,793 |
| Average equity | $7,654,800 | 4,133 |
| Average total loans | $22,912,000 | 4,361 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2462% | 4,554 |
| Cost of funding earning assets | 0.1353% | 3,985 |
| Net interest margin | 2.1109% | 4,507 |
| Noninterest income to average assets | 1.9500% | 276 |
| Noninterest expense to average assets | 2.5494% | 1,865 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2372% | 1,563 |
| Return on assets (ROA) | 1.2372% | 1,539 |
| Pretax return on assets | 1.3970% | 1,730 |
| Return on Equity (ROE) | 17.4500% | 717 |
| Retained earnings to average equity (ytd only) | 17.4489% | 188 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.5996% | 2,469 |
| Assets per employee ($millions) | 5.5943% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 2,745 |
| Loan loss allowance to noncurrent loans | 30.6805% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.0377% | 426 |
| Noncurrent loans to loans | 3.7798% | 107 |
| Net loans and leases to total assets | 20.2600% | 4,590 |
| Net loans and leases to deposits | 21.8711% | 4,600 |
| Net loans and leases to core deposits | 22.8408% | 4,590 |
| Total domestic deposits to total assets | 92.6500% | 671 |
| Equity capital to assets | 6.7479% | 3,639 |
| Core capital (leverage) ratio | 7.0254% | 4,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4122% | 264 |
| Memoranda: | ||
| Average total assets | $108,416,750 | 3,871 |
| Average earning assets | $102,451,000 | 3,837 |
| Average equity | $7,687,000 | 4,172 |
| Average total loans | $22,643,750 | 4,398 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9889% | 4,626 |
| Cost of funding earning assets | 0.1367% | 3,750 |
| Net interest margin | 1.8522% | 4,614 |
| Noninterest income to average assets | 2.0324% | 230 |
| Noninterest expense to average assets | 2.4818% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1449% | 1,616 |
| Return on assets (ROA) | 1.1449% | 1,597 |
| Pretax return on assets | 1.2940% | 1,771 |
| Return on Equity (ROE) | 15.8807% | 722 |
| Retained earnings to average equity (ytd only) | 15.8807% | 201 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7284% | 2,550 |
| Assets per employee ($millions) | 5.2738% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 1,893 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 20.4778% | 4,646 |
| Net loans and leases to deposits | 22.1927% | 4,661 |
| Net loans and leases to core deposits | 22.2638% | 4,663 |
| Total domestic deposits to total assets | 92.2731% | 736 |
| Equity capital to assets | 7.3344% | 3,577 |
| Core capital (leverage) ratio | 6.5881% | 4,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9105% | 295 |
| Memoranda: | ||
| Average total assets | $107,260,333 | 3,923 |
| Average earning assets | $100,961,333 | 3,905 |
| Average equity | $7,732,667 | 4,232 |
| Average total loans | $22,545,667 | 4,453 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5778% | 4,710 |
| Cost of funding earning assets | 0.0820% | 4,333 |
| Net interest margin | 1.4958% | 4,697 |
| Noninterest income to average assets | 2.0083% | 238 |
| Noninterest expense to average assets | 2.4114% | 2,122 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8654% | 2,434 |
| Return on assets (ROA) | 0.8654% | 2,425 |
| Pretax return on assets | 1.0134% | 2,393 |
| Return on Equity (ROE) | 12.1071% | 1,273 |
| Retained earnings to average equity (ytd only) | 12.1071% | 585 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4104% | 2,169 |
| Assets per employee ($millions) | 5.3826% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,862 |
| Loan loss allowance to noncurrent loans | 81.8462% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 969 |
| Noncurrent loans to loans | 1.4661% | 569 |
| Net loans and leases to total assets | 20.3454% | 4,665 |
| Net loans and leases to deposits | 22.0189% | 4,679 |
| Net loans and leases to core deposits | 22.0878% | 4,683 |
| Total domestic deposits to total assets | 92.3995% | 434 |
| Equity capital to assets | 7.0459% | 4,195 |
| Core capital (leverage) ratio | 7.3443% | 4,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7302% | 195 |
| Memoranda: | ||
| Average total assets | $108,153,000 | 3,934 |
| Average earning assets | $102,420,000 | 3,907 |
| Average equity | $7,731,000 | 4,293 |
| Average total loans | $22,886,000 | 4,468 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1147% | 4,648 |
| Cost of funding earning assets | 0.1160% | 4,266 |
| Net interest margin | 1.9987% | 4,602 |
| Noninterest income to average assets | 1.7123% | 391 |
| Noninterest expense to average assets | 2.8044% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7140% | 3,595 |
| Return on assets (ROA) | 0.7140% | 3,648 |
| Pretax return on assets | 0.7922% | 3,744 |
| Return on Equity (ROE) | 9.4099% | 2,752 |
| Retained earnings to average equity (ytd only) | 7.1572% | 1,858 |
| Net charge-offs to loans | -0.0041% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9739% | 949 |
| Assets per employee ($millions) | 5.4328% | 3,323 |
| Cash dividends to net income (ytd only)* | 23.9398% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 3,242 |
| Loan loss allowance to noncurrent loans | 328.3951% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4013% | 1,626 |
| Noncurrent loans to loans | 0.3432% | 2,350 |
| Net loans and leases to total assets | 21.4790% | 4,706 |
| Net loans and leases to deposits | 23.3170% | 4,716 |
| Net loans and leases to core deposits | 23.3895% | 4,717 |
| Total domestic deposits to total assets | 92.1173% | 149 |
| Equity capital to assets | 7.2496% | 4,666 |
| Core capital (leverage) ratio | 7.7509% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1000% | 394 |
| Memoranda: | ||
| Average total assets | $102,374,600 | 3,967 |
| Average earning assets | $96,513,200 | 3,946 |
| Average equity | $7,768,400 | 4,352 |
| Average total loans | $24,412,200 | 4,488 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1926% | 4,717 |
| Cost of funding earning assets | 0.1269% | 4,290 |
| Net interest margin | 2.0657% | 4,645 |
| Noninterest income to average assets | 1.4311% | 591 |
| Noninterest expense to average assets | 2.4363% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8796% | 3,306 |
| Return on assets (ROA) | 0.8796% | 3,379 |
| Pretax return on assets | 0.9325% | 3,625 |
| Return on Equity (ROE) | 11.4535% | 2,225 |
| Retained earnings to average equity (ytd only) | 11.4535% | 959 |
| Net charge-offs to loans | -0.0054% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3204% | 1,372 |
| Assets per employee ($millions) | 3.4428% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 3,330 |
| Loan loss allowance to noncurrent loans | 354.6667% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 1,748 |
| Noncurrent loans to loans | 0.3167% | 2,645 |
| Net loans and leases to total assets | 22.6678% | 4,764 |
| Net loans and leases to deposits | 24.6715% | 4,781 |
| Net loans and leases to core deposits | 24.6715% | 4,786 |
| Total domestic deposits to total assets | 91.8786% | 151 |
| Equity capital to assets | 7.7157% | 4,646 |
| Core capital (leverage) ratio | 8.0069% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8515% | 216 |
| Memoranda: | ||
| Average total assets | $100,804,500 | 4,031 |
| Average earning assets | $94,559,000 | 4,016 |
| Average equity | $7,741,250 | 4,419 |
| Average total loans | $24,614,250 | 4,542 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2161% | 4,755 |
| Cost of funding earning assets | 0.1432% | 4,262 |
| Net interest margin | 2.0729% | 4,667 |
| Noninterest income to average assets | 1.4583% | 572 |
| Noninterest expense to average assets | 2.4105% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9882% | 2,930 |
| Return on assets (ROA) | 0.9882% | 3,021 |
| Pretax return on assets | 0.9882% | 3,470 |
| Return on Equity (ROE) | 12.8892% | 1,758 |
| Retained earnings to average equity (ytd only) | 12.8892% | 742 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9241% | 1,536 |
| Assets per employee ($millions) | 3.4845% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,501 |
| Loan loss allowance to noncurrent loans | 150.5682% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 1,568 |
| Noncurrent loans to loans | 0.7172% | 1,648 |
| Net loans and leases to total assets | 23.2231% | 4,793 |
| Net loans and leases to deposits | 25.2189% | 4,817 |
| Net loans and leases to core deposits | 25.2189% | 4,826 |
| Total domestic deposits to total assets | 92.0858% | 113 |
| Equity capital to assets | 7.5248% | 4,731 |
| Core capital (leverage) ratio | 7.8462% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5956% | 236 |
| Memoranda: | ||
| Average total assets | $99,978,333 | 4,066 |
| Average earning assets | $93,588,667 | 4,052 |
| Average equity | $7,665,333 | 4,453 |
| Average total loans | $24,926,333 | 4,570 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1817% | 4,799 |
| Cost of funding earning assets | 0.1100% | 4,586 |
| Net interest margin | 2.0717% | 4,694 |
| Noninterest income to average assets | 1.3511% | 716 |
| Noninterest expense to average assets | 2.5220% | 2,114 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7574% | 3,552 |
| Return on assets (ROA) | 0.7574% | 3,623 |
| Pretax return on assets | 0.7574% | 3,896 |
| Return on Equity (ROE) | 9.7819% | 2,761 |
| Retained earnings to average equity (ytd only) | 9.7819% | 1,718 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9039% | 1,046 |
| Assets per employee ($millions) | 3.5318% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 3,434 |
| Loan loss allowance to noncurrent loans | 128.0193% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 1,686 |
| Noncurrent loans to loans | 0.8586% | 1,563 |
| Net loans and leases to total assets | 22.5053% | 4,833 |
| Net loans and leases to deposits | 24.2935% | 4,851 |
| Net loans and leases to core deposits | 24.3689% | 4,860 |
| Total domestic deposits to total assets | 92.6392% | 62 |
| Equity capital to assets | 7.1522% | 4,807 |
| Core capital (leverage) ratio | 7.8558% | 4,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6228% | 262 |
| Memoranda: | ||
| Average total assets | $97,700,500 | 4,099 |
| Average earning assets | $90,938,500 | 4,084 |
| Average equity | $7,565,000 | 4,478 |
| Average total loans | $25,119,000 | 4,592 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2075% | 4,443 |
| Cost of funding earning assets | 0.2304% | 4,463 |
| Net interest margin | 2.9771% | 3,943 |
| Noninterest income to average assets | 1.0817% | 912 |
| Noninterest expense to average assets | 3.1574% | 1,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7121% | 3,393 |
| Return on assets (ROA) | 0.7121% | 3,528 |
| Pretax return on assets | 0.7121% | 3,856 |
| Return on Equity (ROE) | 7.1537% | 3,144 |
| Retained earnings to average equity (ytd only) | 4.7827% | 2,378 |
| Net charge-offs to loans | 0.1639% | 1,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 12.5714% | 2,327 |
| Efficiency ratio | 81.5964% | 772 |
| Assets per employee ($millions) | 2.9816% | 4,812 |
| Cash dividends to net income (ytd only)* | 33.1439% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,812 |
| Loan loss allowance to noncurrent loans | 133.1658% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 1,547 |
| Noncurrent loans to loans | 0.7616% | 1,803 |
| Net loans and leases to total assets | 28.9140% | 4,779 |
| Net loans and leases to deposits | 31.7380% | 4,813 |
| Net loans and leases to core deposits | 31.8569% | 4,832 |
| Total domestic deposits to total assets | 91.1021% | 203 |
| Equity capital to assets | 8.4429% | 4,488 |
| Core capital (leverage) ratio | 9.9800% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9245% | 354 |
| Memoranda: | ||
| Average total assets | $74,142,800 | 4,321 |
| Average earning assets | $69,431,000 | 4,300 |
| Average equity | $7,380,800 | 4,489 |
| Average total loans | $25,623,400 | 4,607 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 4,237 |
| Cost of funding earning assets | 0.2719% | 4,426 |
| Net interest margin | 3.2081% | 3,464 |
| Noninterest income to average assets | 0.9879% | 1,039 |
| Noninterest expense to average assets | 3.1135% | 1,213 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8722% | 2,806 |
| Return on assets (ROA) | 0.8722% | 2,939 |
| Pretax return on assets | 0.8722% | 3,456 |
| Return on Equity (ROE) | 8.3581% | 2,666 |
| Retained earnings to average equity (ytd only) | 8.3581% | 1,189 |
| Net charge-offs to loans | 0.2196% | 697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 10.9524% | 2,326 |
| Efficiency ratio | 78.1161% | 1,023 |
| Assets per employee ($millions) | 2.8716% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,542 |
| Loan loss allowance to noncurrent loans | 102.7132% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7162% | 1,631 |
| Noncurrent loans to loans | 1.0068% | 1,484 |
| Net loans and leases to total assets | 29.4385% | 4,838 |
| Net loans and leases to deposits | 32.4513% | 4,874 |
| Net loans and leases to core deposits | 32.5776% | 4,886 |
| Total domestic deposits to total assets | 90.7161% | 232 |
| Equity capital to assets | 8.9357% | 4,159 |
| Core capital (leverage) ratio | 10.7930% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9429% | 307 |
| Memoranda: | ||
| Average total assets | $70,316,500 | 4,387 |
| Average earning assets | $65,707,000 | 4,369 |
| Average equity | $7,338,000 | 4,516 |
| Average total loans | $25,497,250 | 4,633 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 4,257 |
| Cost of funding earning assets | 0.3326% | 4,354 |
| Net interest margin | 3.2731% | 3,452 |
| Noninterest income to average assets | 1.2054% | 687 |
| Noninterest expense to average assets | 3.2135% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0486% | 2,155 |
| Return on assets (ROA) | 1.0486% | 2,290 |
| Pretax return on assets | 1.0486% | 2,879 |
| Return on Equity (ROE) | 9.4486% | 2,178 |
| Retained earnings to average equity (ytd only) | 9.4486% | 894 |
| Net charge-offs to loans | 0.3143% | 512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.5250% | 2,281 |
| Efficiency ratio | 75.3968% | 1,318 |
| Assets per employee ($millions) | 2.3219% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 3,415 |
| Loan loss allowance to noncurrent loans | 230.1724% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 1,737 |
| Noncurrent loans to loans | 0.4472% | 2,817 |
| Net loans and leases to total assets | 36.8587% | 4,701 |
| Net loans and leases to deposits | 41.7378% | 4,753 |
| Net loans and leases to core deposits | 41.9430% | 4,798 |
| Total domestic deposits to total assets | 88.3100% | 1,037 |
| Equity capital to assets | 10.8415% | 2,469 |
| Core capital (leverage) ratio | 11.2364% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7078% | 376 |
| Memoranda: | ||
| Average total assets | $65,039,000 | 4,469 |
| Average earning assets | $60,738,333 | 4,457 |
| Average equity | $7,218,000 | 4,547 |
| Average total loans | $25,454,333 | 4,656 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5397% | 4,597 |
| Cost of funding earning assets | 0.3910% | 4,387 |
| Net interest margin | 3.1487% | 3,986 |
| Noninterest income to average assets | 0.9374% | 988 |
| Noninterest expense to average assets | 3.3541% | 1,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5101% | 3,865 |
| Return on assets (ROA) | 0.5101% | 3,924 |
| Pretax return on assets | 0.5101% | 4,106 |
| Return on Equity (ROE) | 4.5384% | 3,808 |
| Retained earnings to average equity (ytd only) | 4.5384% | 2,485 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7987% | 647 |
| Assets per employee ($millions) | 2.1328% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,496 |
| Loan loss allowance to noncurrent loans | 152.7363% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 1.3644% | 839 |
| Noncurrent loans to loans | 0.8072% | 1,991 |
| Net loans and leases to total assets | 38.4399% | 4,716 |
| Net loans and leases to deposits | 43.4656% | 4,772 |
| Net loans and leases to core deposits | 43.4656% | 4,818 |
| Total domestic deposits to total assets | 88.4376% | 916 |
| Equity capital to assets | 11.2827% | 2,603 |
| Core capital (leverage) ratio | 11.1131% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4254% | 473 |
| Memoranda: | ||
| Average total assets | $62,729,500 | 4,517 |
| Average earning assets | $58,310,500 | 4,511 |
| Average equity | $7,051,000 | 4,593 |
| Average total loans | $25,210,500 | 4,692 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0177% | 4,214 |
| Cost of funding earning assets | 0.3888% | 4,479 |
| Net interest margin | 3.6289% | 3,042 |
| Noninterest income to average assets | 0.6288% | 2,099 |
| Noninterest expense to average assets | 3.4373% | 1,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5900% | 4,191 |
| Return on assets (ROA) | 0.5900% | 4,247 |
| Pretax return on assets | 0.5900% | 4,427 |
| Return on Equity (ROE) | 5.1401% | 4,170 |
| Retained earnings to average equity (ytd only) | 2.5701% | 3,751 |
| Net charge-offs to loans | -0.0082% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3495% | 580 |
| Assets per employee ($millions) | 2.0492% | 5,077 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,422 |
| Loan loss allowance to noncurrent loans | 125.3061% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.5063% | 669 |
| Noncurrent loans to loans | 0.9601% | 1,592 |
| Net loans and leases to total assets | 41.0111% | 4,701 |
| Net loans and leases to deposits | 46.3558% | 4,776 |
| Net loans and leases to core deposits | 46.3558% | 4,830 |
| Total domestic deposits to total assets | 88.4703% | 900 |
| Equity capital to assets | 11.1962% | 2,821 |
| Core capital (leverage) ratio | 11.6428% | 2,005 |
| Tier 1 risk-based capital ratio | 25.3657% | 725 |
| Total risk-based capital ratio | 26.5055% | 717 |
| Memoranda: | ||
| Average total assets | $59,319,800 | 4,605 |
| Average earning assets | $55,554,600 | 4,593 |
| Average equity | $6,809,200 | 4,659 |
| Average total loans | $24,477,200 | 4,768 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9407% | 4,473 |
| Cost of funding earning assets | 0.3999% | 4,504 |
| Net interest margin | 3.5408% | 3,434 |
| Noninterest income to average assets | 0.6578% | 1,956 |
| Noninterest expense to average assets | 3.3684% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6034% | 4,287 |
| Return on assets (ROA) | 0.6034% | 4,341 |
| Pretax return on assets | 0.6034% | 4,538 |
| Return on Equity (ROE) | 5.2227% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.2227% | 2,781 |
| Net charge-offs to loans | -0.0110% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8087% | 566 |
| Assets per employee ($millions) | 1.9665% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 2,453 |
| Loan loss allowance to noncurrent loans | 409.3333% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 1.5289% | 712 |
| Noncurrent loans to loans | 0.2958% | 3,478 |
| Net loans and leases to total assets | 42.4639% | 4,743 |
| Net loans and leases to deposits | 48.5654% | 4,809 |
| Net loans and leases to core deposits | 50.0730% | 4,833 |
| Total domestic deposits to total assets | 87.4364% | 1,289 |
| Equity capital to assets | 11.8228% | 2,398 |
| Core capital (leverage) ratio | 11.7189% | 2,068 |
| Tier 1 risk-based capital ratio | 26.3124% | 686 |
| Total risk-based capital ratio | 27.4819% | 678 |
| Memoranda: | ||
| Average total assets | $58,780,750 | 4,678 |
| Average earning assets | $55,014,250 | 4,664 |
| Average equity | $6,790,750 | 4,721 |
| Average total loans | $24,216,750 | 4,845 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 4,465 |
| Cost of funding earning assets | 0.4071% | 4,481 |
| Net interest margin | 3.5515% | 3,427 |
| Noninterest income to average assets | 0.6541% | 1,899 |
| Noninterest expense to average assets | 3.3283% | 1,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6541% | 4,152 |
| Return on assets (ROA) | 0.6541% | 4,201 |
| Pretax return on assets | 0.6541% | 4,439 |
| Return on Equity (ROE) | 5.7064% | 4,145 |
| Retained earnings to average equity (ytd only) | 5.7064% | 2,415 |
| Net charge-offs to loans | 0.0168% | 2,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 719 |
| Efficiency ratio | 83.5757% | 684 |
| Assets per employee ($millions) | 1.8904% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,159 |
| Loan loss allowance to noncurrent loans | 125.7261% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.6557% | 643 |
| Noncurrent loans to loans | 1.0068% | 1,628 |
| Net loans and leases to total assets | 41.6737% | 4,790 |
| Net loans and leases to deposits | 47.6329% | 4,857 |
| Net loans and leases to core deposits | 50.2050% | 4,864 |
| Total domestic deposits to total assets | 87.4894% | 1,344 |
| Equity capital to assets | 12.0451% | 2,152 |
| Core capital (leverage) ratio | 11.4807% | 2,188 |
| Tier 1 risk-based capital ratio | 30.8969% | 457 |
| Total risk-based capital ratio | 32.1543% | 450 |
| Memoranda: | ||
| Average total assets | $58,709,000 | 4,714 |
| Average earning assets | $55,019,330 | 4,701 |
| Average equity | $6,729,330 | 4,755 |
| Average total loans | $23,836,000 | 4,892 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 4,822 |
| Cost of funding earning assets | 0.3638% | 4,628 |
| Net interest margin | 3.3524% | 4,030 |
| Noninterest income to average assets | 0.5493% | 2,291 |
| Noninterest expense to average assets | 3.1956% | 1,501 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5024% | 4,516 |
| Return on assets (ROA) | 0.5024% | 4,536 |
| Pretax return on assets | 0.5024% | 4,676 |
| Return on Equity (ROE) | 4.4920% | 4,471 |
| Retained earnings to average equity (ytd only) | 4.4920% | 3,127 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4130% | 557 |
| Assets per employee ($millions) | 1.9841% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 2,184 |
| Loan loss allowance to noncurrent loans | 242.0635% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 1.3995% | 897 |
| Noncurrent loans to loans | 0.5284% | 2,732 |
| Net loans and leases to total assets | 39.5494% | 4,905 |
| Net loans and leases to deposits | 44.8033% | 4,965 |
| Net loans and leases to core deposits | 47.0707% | 4,958 |
| Total domestic deposits to total assets | 88.2734% | 1,207 |
| Equity capital to assets | 11.2830% | 2,575 |
| Core capital (leverage) ratio | 11.0381% | 2,540 |
| Tier 1 risk-based capital ratio | 30.9037% | 445 |
| Total risk-based capital ratio | 32.1599% | 438 |
| Memoranda: | ||
| Average total assets | $59,707,500 | 4,751 |
| Average earning assets | $56,080,000 | 4,735 |
| Average equity | $6,678,500 | 4,800 |
| Average total loans | $23,785,500 | 4,948 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 4,620 |
| Cost of funding earning assets | 0.2829% | 4,648 |
| Net interest margin | 3.4483% | 3,861 |
| Noninterest income to average assets | 0.7091% | 1,818 |
| Noninterest expense to average assets | 3.3364% | 1,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5984% | 4,425 |
| Return on assets (ROA) | 0.5984% | 4,430 |
| Pretax return on assets | 0.5984% | 4,633 |
| Return on Equity (ROE) | 5.2616% | 4,397 |
| Retained earnings to average equity (ytd only) | 2.9805% | 3,911 |
| Net charge-offs to loans | -0.0117% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7912% | 595 |
| Assets per employee ($millions) | 1.9964% | 5,313 |
| Cash dividends to net income (ytd only)* | 43.3526% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,117 |
| Loan loss allowance to noncurrent loans | 516.9492% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 1.2907% | 991 |
| Noncurrent loans to loans | 0.2487% | 3,693 |
| Net loans and leases to total assets | 39.1037% | 4,977 |
| Net loans and leases to deposits | 44.1728% | 5,023 |
| Net loans and leases to core deposits | 46.3762% | 5,023 |
| Total domestic deposits to total assets | 88.5243% | 1,060 |
| Equity capital to assets | 11.0883% | 2,604 |
| Core capital (leverage) ratio | 11.5433% | 2,070 |
| Tier 1 risk-based capital ratio | 31.7614% | 397 |
| Total risk-based capital ratio | 33.0145% | 396 |
| Memoranda: | ||
| Average total assets | $57,816,400 | 4,804 |
| Average earning assets | $54,084,400 | 4,787 |
| Average equity | $6,576,000 | 4,817 |
| Average total loans | $25,597,200 | 4,921 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6465% | 4,730 |
| Cost of funding earning assets | 0.2690% | 4,680 |
| Net interest margin | 3.3775% | 4,074 |
| Noninterest income to average assets | 0.7260% | 1,768 |
| Noninterest expense to average assets | 3.2694% | 1,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6120% | 4,470 |
| Return on assets (ROA) | 0.6120% | 4,477 |
| Pretax return on assets | 0.6120% | 4,710 |
| Return on Equity (ROE) | 5.3456% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.3456% | 3,037 |
| Net charge-offs to loans | -0.0153% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2326% | 630 |
| Assets per employee ($millions) | 1.8868% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 2,754 |
| Loan loss allowance to noncurrent loans | 301.9802% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 1.5635% | 812 |
| Noncurrent loans to loans | 0.3900% | 3,259 |
| Net loans and leases to total assets | 45.2167% | 4,831 |
| Net loans and leases to deposits | 51.4390% | 4,903 |
| Net loans and leases to core deposits | 54.1695% | 4,906 |
| Total domestic deposits to total assets | 87.9035% | 1,280 |
| Equity capital to assets | 11.7803% | 2,046 |
| Core capital (leverage) ratio | 11.6579% | 2,042 |
| Tier 1 risk-based capital ratio | 30.3906% | 459 |
| Total risk-based capital ratio | 31.6472% | 451 |
| Memoranda: | ||
| Average total assets | $57,297,500 | 4,860 |
| Average earning assets | $53,528,750 | 4,847 |
| Average equity | $6,559,750 | 4,870 |
| Average total loans | $26,065,250 | 4,963 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5758% | 4,804 |
| Cost of funding earning assets | 0.2456% | 4,772 |
| Net interest margin | 3.3302% | 4,161 |
| Noninterest income to average assets | 0.7370% | 1,697 |
| Noninterest expense to average assets | 3.2471% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6014% | 4,490 |
| Return on assets (ROA) | 0.6014% | 4,496 |
| Pretax return on assets | 0.6014% | 4,737 |
| Return on Equity (ROE) | 5.3038% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.3038% | 2,932 |
| Net charge-offs to loans | -0.0153% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3722% | 670 |
| Assets per employee ($millions) | 1.8336% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 2,975 |
| Loan loss allowance to noncurrent loans | 868.5714% | 674 |
| Noncurrent assets plus other real estate owned to assets | 1.5034% | 885 |
| Noncurrent loans to loans | 0.1325% | 4,310 |
| Net loans and leases to total assets | 47.4695% | 4,748 |
| Net loans and leases to deposits | 54.1181% | 4,839 |
| Net loans and leases to core deposits | 54.1181% | 4,932 |
| Total domestic deposits to total assets | 87.7145% | 1,527 |
| Equity capital to assets | 11.9764% | 1,868 |
| Core capital (leverage) ratio | 11.4153% | 2,146 |
| Tier 1 risk-based capital ratio | 29.6619% | 484 |
| Total risk-based capital ratio | 30.9185% | 480 |
| Memoranda: | ||
| Average total assets | $57,529,000 | 4,911 |
| Average earning assets | $53,750,330 | 4,902 |
| Average equity | $6,523,670 | 4,927 |
| Average total loans | $26,120,670 | 5,020 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4512% | 4,950 |
| Cost of funding earning assets | 0.2403% | 4,762 |
| Net interest margin | 3.2109% | 4,426 |
| Noninterest income to average assets | 0.7893% | 1,491 |
| Noninterest expense to average assets | 3.1774% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6124% | 4,388 |
| Return on assets (ROA) | 0.6124% | 4,394 |
| Pretax return on assets | 0.6124% | 4,658 |
| Return on Equity (ROE) | 5.5457% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.5457% | 2,930 |
| Net charge-offs to loans | -0.0308% | 4,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8420% | 808 |
| Assets per employee ($millions) | 1.9678% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 3,030 |
| Loan loss allowance to noncurrent loans | 30,400.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 1.3552% | 1,085 |
| Noncurrent loans to loans | 0.0038% | 5,007 |
| Net loans and leases to total assets | 43.8145% | 4,907 |
| Net loans and leases to deposits | 49.4588% | 4,984 |
| Net loans and leases to core deposits | 49.4588% | 5,057 |
| Total domestic deposits to total assets | 88.5877% | 1,313 |
| Equity capital to assets | 11.0684% | 2,512 |
| Core capital (leverage) ratio | 11.0360% | 2,406 |
| Tier 1 risk-based capital ratio | 24.3851% | 806 |
| Total risk-based capital ratio | 25.5197% | 794 |
| Memoranda: | ||
| Average total assets | $58,789,500 | 4,950 |
| Average earning assets | $54,938,000 | 4,937 |
| Average equity | $6,491,500 | 4,983 |
| Average total loans | $25,973,000 | 5,078 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2019% | 5,187 |
| Cost of funding earning assets | 0.2160% | 4,819 |
| Net interest margin | 2.9859% | 4,917 |
| Noninterest income to average assets | 0.9062% | 1,249 |
| Noninterest expense to average assets | 3.3563% | 1,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3510% | 4,826 |
| Return on assets (ROA) | 0.3510% | 4,851 |
| Pretax return on assets | 0.3510% | 5,154 |
| Return on Equity (ROE) | 3.3301% | 4,734 |
| Retained earnings to average equity (ytd only) | 1.6103% | 4,341 |
| Net charge-offs to loans | -0.0122% | 4,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5333% | 406 |
| Assets per employee ($millions) | 1.9515% | 5,572 |
| Cash dividends to net income (ytd only)* | 51.6432% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 2,941 |
| Loan loss allowance to noncurrent loans | 89.6142% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 2.0309% | 551 |
| Noncurrent loans to loans | 1.3074% | 1,328 |
| Net loans and leases to total assets | 43.5128% | 5,000 |
| Net loans and leases to deposits | 49.0952% | 5,093 |
| Net loans and leases to core deposits | 49.0952% | 5,162 |
| Total domestic deposits to total assets | 88.6295% | 1,175 |
| Equity capital to assets | 11.0153% | 2,609 |
| Core capital (leverage) ratio | 10.6386% | 2,708 |
| Tier 1 risk-based capital ratio | 24.7676% | 743 |
| Total risk-based capital ratio | 25.9275% | 736 |
| Memoranda: | ||
| Average total assets | $60,691,800 | 4,948 |
| Average earning assets | $56,934,800 | 4,932 |
| Average equity | $6,396,200 | 5,041 |
| Average total loans | $24,671,000 | 5,170 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1679% | 5,270 |
| Cost of funding earning assets | 0.2273% | 4,760 |
| Net interest margin | 2.9406% | 5,032 |
| Noninterest income to average assets | 0.7600% | 1,733 |
| Noninterest expense to average assets | 3.3186% | 1,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2025% | 5,353 |
| Return on assets (ROA) | 0.2025% | 5,365 |
| Pretax return on assets | 0.2025% | 5,385 |
| Return on Equity (ROE) | 1.9427% | 5,319 |
| Retained earnings to average equity (ytd only) | 1.9427% | 4,660 |
| Net charge-offs to loans | -0.0164% | 4,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2486% | 280 |
| Assets per employee ($millions) | 1.9594% | 5,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 3,062 |
| Loan loss allowance to noncurrent loans | 196.1039% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 1.7250% | 831 |
| Noncurrent loans to loans | 0.5988% | 2,915 |
| Net loans and leases to total assets | 43.2394% | 5,064 |
| Net loans and leases to deposits | 48.6972% | 5,170 |
| Net loans and leases to core deposits | 48.6972% | 5,243 |
| Total domestic deposits to total assets | 88.7925% | 979 |
| Equity capital to assets | 10.9727% | 2,889 |
| Core capital (leverage) ratio | 10.4912% | 2,998 |
| Tier 1 risk-based capital ratio | 24.3249% | 815 |
| Total risk-based capital ratio | 25.4639% | 806 |
| Memoranda: | ||
| Average total assets | $61,228,250 | 4,993 |
| Average earning assets | $57,492,000 | 4,973 |
| Average equity | $6,383,000 | 5,101 |
| Average total loans | $24,394,500 | 5,231 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0496% | 5,398 |
| Cost of funding earning assets | 0.2467% | 4,568 |
| Net interest margin | 2.8029% | 5,239 |
| Noninterest income to average assets | 0.7994% | 1,571 |
| Noninterest expense to average assets | 3.3460% | 1,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0903% | 5,502 |
| Return on assets (ROA) | 0.0903% | 5,505 |
| Pretax return on assets | 0.0903% | 5,516 |
| Return on Equity (ROE) | 0.8804% | 5,486 |
| Retained earnings to average equity (ytd only) | 0.8804% | 4,871 |
| Net charge-offs to loans | -0.0167% | 4,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3734% | 224 |
| Assets per employee ($millions) | 2.0713% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 2,790 |
| Loan loss allowance to noncurrent loans | 195.4545% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.2408% | 1,359 |
| Noncurrent loans to loans | 0.6320% | 2,834 |
| Net loans and leases to total assets | 38.7277% | 5,275 |
| Net loans and leases to deposits | 44.3431% | 5,326 |
| Net loans and leases to core deposits | 46.2166% | 5,336 |
| Total domestic deposits to total assets | 87.3365% | 1,786 |
| Equity capital to assets | 10.2754% | 3,599 |
| Core capital (leverage) ratio | 10.3362% | 3,094 |
| Tier 1 risk-based capital ratio | 25.3343% | 721 |
| Total risk-based capital ratio | 26.5286% | 710 |
| Memoranda: | ||
| Average total assets | $62,043,670 | 5,015 |
| Average earning assets | $58,367,670 | 4,988 |
| Average equity | $6,360,670 | 5,133 |
| Average total loans | $23,953,000 | 5,286 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0099% | 5,449 |
| Cost of funding earning assets | 0.2886% | 4,159 |
| Net interest margin | 2.7213% | 5,366 |
| Noninterest income to average assets | 0.8710% | 1,334 |
| Noninterest expense to average assets | 3.5357% | 993 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1097% | 5,653 |
| Return on assets (ROA) | -0.1097% | 5,656 |
| Pretax return on assets | -0.1097% | 5,646 |
| Return on Equity (ROE) | -1.0711% | 5,658 |
| Retained earnings to average equity (ytd only) | -1.0711% | 5,078 |
| Net charge-offs to loans | -0.0168% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2015% | 187 |
| Assets per employee ($millions) | 2.0562% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,655 |
| Loan loss allowance to noncurrent loans | 535.7143% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 1.1040% | 1,612 |
| Noncurrent loans to loans | 0.2381% | 4,256 |
| Net loans and leases to total assets | 37.6364% | 5,342 |
| Net loans and leases to deposits | 42.2562% | 5,409 |
| Net loans and leases to core deposits | 42.7748% | 5,446 |
| Total domestic deposits to total assets | 89.0670% | 1,113 |
| Equity capital to assets | 10.2780% | 3,429 |
| Core capital (leverage) ratio | 10.1743% | 3,276 |
| Tier 1 risk-based capital ratio | 25.4210% | 740 |
| Total risk-based capital ratio | 26.6239% | 722 |
| Memoranda: | ||
| Average total assets | $61,996,000 | 5,074 |
| Average earning assets | $58,207,000 | 5,046 |
| Average equity | $6,348,500 | 5,187 |
| Average total loans | $23,746,500 | 5,344 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2873% | 5,175 |
| Cost of funding earning assets | 0.2985% | 4,082 |
| Net interest margin | 2.9888% | 4,979 |
| Noninterest income to average assets | 0.7834% | 1,812 |
| Noninterest expense to average assets | 3.3504% | 1,466 |
| Loan and lease loss provision to assets | 0.0067% | 4,230 |
| Net operating income to assets | 0.2134% | 5,399 |
| Return on assets (ROA) | 0.2134% | 5,456 |
| Pretax return on assets | 0.2134% | 5,488 |
| Return on Equity (ROE) | 2.0056% | 5,407 |
| Retained earnings to average equity (ytd only) | 0.8304% | 4,993 |
| Net charge-offs to loans | 0.3627% | 752 |
| Credit loss provision to net charge-offs | 4.4444% | 3,768 |
| Earnings coverage of net charge-offs (x) | 1.4667% | 3,982 |
| Efficiency ratio | 93.8375% | 385 |
| Assets per employee ($millions) | 2.0769% | 5,783 |
| Cash dividends to net income (ytd only)* | 58.5938% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,839 |
| Loan loss allowance to noncurrent loans | 786.8421% | 729 |
| Noncurrent assets plus other real estate owned to assets | 1.2374% | 1,448 |
| Noncurrent loans to loans | 0.1585% | 4,604 |
| Net loans and leases to total assets | 38.0022% | 5,404 |
| Net loans and leases to deposits | 42.5038% | 5,478 |
| Net loans and leases to core deposits | 43.0173% | 5,518 |
| Total domestic deposits to total assets | 89.4089% | 895 |
| Equity capital to assets | 10.2027% | 3,489 |
| Core capital (leverage) ratio | 10.6322% | 2,740 |
| Tier 1 risk-based capital ratio | 26.1143% | 698 |
| Total risk-based capital ratio | 27.3426% | 672 |
| Memoranda: | ||
| Average total assets | $59,992,600 | 5,142 |
| Average earning assets | $55,942,400 | 5,127 |
| Average equity | $6,382,200 | 5,214 |
| Average total loans | $24,816,400 | 5,359 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3355% | 5,155 |
| Cost of funding earning assets | 0.3133% | 3,937 |
| Net interest margin | 3.0222% | 4,969 |
| Noninterest income to average assets | 0.8124% | 1,709 |
| Noninterest expense to average assets | 3.2943% | 1,577 |
| Loan and lease loss provision to assets | 0.0067% | 4,092 |
| Net operating income to assets | 0.3254% | 5,226 |
| Return on assets (ROA) | 0.3254% | 5,307 |
| Pretax return on assets | 0.3254% | 5,423 |
| Return on Equity (ROE) | 3.0262% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.0262% | 4,100 |
| Net charge-offs to loans | 0.4795% | 440 |
| Credit loss provision to net charge-offs | 3.3333% | 3,398 |
| Earnings coverage of net charge-offs (x) | 1.6444% | 3,670 |
| Efficiency ratio | 90.8416% | 522 |
| Assets per employee ($millions) | 2.0137% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 3,203 |
| Loan loss allowance to noncurrent loans | 164.6409% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.5262% | 1,167 |
| Noncurrent loans to loans | 0.7320% | 2,841 |
| Net loans and leases to total assets | 40.4403% | 5,358 |
| Net loans and leases to deposits | 45.4191% | 5,474 |
| Net loans and leases to core deposits | 45.9859% | 5,511 |
| Total domestic deposits to total assets | 89.0382% | 888 |
| Equity capital to assets | 10.6754% | 3,378 |
| Core capital (leverage) ratio | 10.7706% | 2,710 |
| Tier 1 risk-based capital ratio | 25.7898% | 731 |
| Total risk-based capital ratio | 26.9815% | 720 |
| Memoranda: | ||
| Average total assets | $59,414,000 | 5,199 |
| Average earning assets | $55,322,750 | 5,186 |
| Average equity | $6,388,500 | 5,266 |
| Average total loans | $25,026,250 | 5,405 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4255% | 5,030 |
| Cost of funding earning assets | 0.3633% | 3,421 |
| Net interest margin | 3.0622% | 4,940 |
| Noninterest income to average assets | 0.8767% | 1,450 |
| Noninterest expense to average assets | 3.2260% | 1,749 |
| Loan and lease loss provision to assets | 0.0102% | 3,891 |
| Net operating income to assets | 0.4942% | 4,705 |
| Return on assets (ROA) | 0.4942% | 4,801 |
| Pretax return on assets | 0.4942% | 5,141 |
| Return on Equity (ROE) | 4.5852% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.5852% | 2,988 |
| Net charge-offs to loans | 0.7323% | 281 |
| Credit loss provision to net charge-offs | 3.2609% | 3,033 |
| Earnings coverage of net charge-offs (x) | 1.6196% | 3,380 |
| Efficiency ratio | 86.4791% | 839 |
| Assets per employee ($millions) | 1.9455% | 5,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 3,423 |
| Loan loss allowance to noncurrent loans | 144.1748% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 1.6345% | 1,118 |
| Noncurrent loans to loans | 0.8251% | 2,680 |
| Net loans and leases to total assets | 42.2660% | 5,326 |
| Net loans and leases to deposits | 47.7027% | 5,430 |
| Net loans and leases to core deposits | 48.3213% | 5,486 |
| Total domestic deposits to total assets | 88.6030% | 1,115 |
| Equity capital to assets | 11.0510% | 3,006 |
| Core capital (leverage) ratio | 10.7638% | 2,684 |
| Tier 1 risk-based capital ratio | 25.5304% | 766 |
| Total risk-based capital ratio | 26.7060% | 753 |
| Memoranda: | ||
| Average total assets | $59,082,000 | 5,258 |
| Average earning assets | $55,057,670 | 5,249 |
| Average equity | $6,368,330 | 5,319 |
| Average total loans | $25,125,670 | 5,458 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2618% | 5,391 |
| Cost of funding earning assets | 0.2592% | 4,620 |
| Net interest margin | 3.0026% | 5,114 |
| Noninterest income to average assets | 0.7739% | 1,714 |
| Noninterest expense to average assets | 3.2638% | 1,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3163% | 5,255 |
| Return on assets (ROA) | 0.3163% | 5,340 |
| Pretax return on assets | 0.3163% | 5,484 |
| Return on Equity (ROE) | 2.9712% | 5,251 |
| Retained earnings to average equity (ytd only) | 2.9712% | 4,027 |
| Net charge-offs to loans | 1.0791% | 169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.6912% | 2,902 |
| Efficiency ratio | 91.1654% | 599 |
| Assets per employee ($millions) | 1.9456% | 6,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 3,100 |
| Loan loss allowance to noncurrent loans | 250.3937% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 1.3535% | 1,566 |
| Noncurrent loans to loans | 0.5042% | 3,667 |
| Net loans and leases to total assets | 42.6131% | 5,319 |
| Net loans and leases to deposits | 47.9802% | 5,417 |
| Net loans and leases to core deposits | 48.6000% | 5,492 |
| Total domestic deposits to total assets | 88.8139% | 1,196 |
| Equity capital to assets | 10.8811% | 3,068 |
| Core capital (leverage) ratio | 10.4755% | 3,000 |
| Tier 1 risk-based capital ratio | 24.6125% | 854 |
| Total risk-based capital ratio | 25.8448% | 838 |
| Memoranda: | ||
| Average total assets | $59,440,000 | 5,302 |
| Average earning assets | $55,551,500 | 5,283 |
| Average equity | $6,327,500 | 5,353 |
| Average total loans | $25,205,500 | 5,503 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2136% | 5,503 |
| Cost of funding earning assets | 0.2408% | 4,883 |
| Net interest margin | 2.9728% | 5,201 |
| Noninterest income to average assets | 0.6869% | 2,266 |
| Noninterest expense to average assets | 3.1419% | 2,109 |
| Loan and lease loss provision to assets | 0.0627% | 3,045 |
| Net operating income to assets | 0.2429% | 5,499 |
| Return on assets (ROA) | 0.2429% | 5,565 |
| Pretax return on assets | 0.2429% | 5,623 |
| Return on Equity (ROE) | 2.3915% | 5,477 |
| Retained earnings to average equity (ytd only) | 0.8077% | 5,199 |
| Net charge-offs to loans | 0.0076% | 4,175 |
| Credit loss provision to net charge-offs | 1,950.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 606 |
| Efficiency ratio | 91.1339% | 622 |
| Assets per employee ($millions) | 2.0171% | 6,048 |
| Cash dividends to net income (ytd only)* | 66.2252% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,875 |
| Loan loss allowance to noncurrent loans | 157.7869% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 1.4939% | 1,356 |
| Noncurrent loans to loans | 0.9674% | 2,397 |
| Net loans and leases to total assets | 41.0424% | 5,462 |
| Net loans and leases to deposits | 45.9237% | 5,569 |
| Net loans and leases to core deposits | 46.4920% | 5,629 |
| Total domestic deposits to total assets | 89.3709% | 927 |
| Equity capital to assets | 10.4176% | 3,463 |
| Core capital (leverage) ratio | 10.0606% | 3,426 |
| Tier 1 risk-based capital ratio | 24.6896% | 842 |
| Total risk-based capital ratio | 25.9429% | 827 |
| Memoranda: | ||
| Average total assets | $62,160,800 | 5,273 |
| Average earning assets | $57,724,200 | 5,246 |
| Average equity | $6,314,000 | 5,373 |
| Average total loans | $26,288,600 | 5,511 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1931% | 5,594 |
| Cost of funding earning assets | 0.2530% | 4,845 |
| Net interest margin | 2.9400% | 5,335 |
| Noninterest income to average assets | 0.6712% | 2,381 |
| Noninterest expense to average assets | 3.1067% | 2,205 |
| Loan and lease loss provision to assets | 0.0213% | 3,847 |
| Net operating income to assets | 0.2663% | 5,545 |
| Return on assets (ROA) | 0.2663% | 5,621 |
| Pretax return on assets | 0.2663% | 5,693 |
| Return on Equity (ROE) | 2.6385% | 5,505 |
| Retained earnings to average equity (ytd only) | 2.1108% | 4,827 |
| Net charge-offs to loans | 0.0151% | 3,652 |
| Credit loss provision to net charge-offs | 333.3333% | 877 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,131 |
| Efficiency ratio | 91.5254% | 596 |
| Assets per employee ($millions) | 1.9292% | 6,147 |
| Cash dividends to net income (ytd only)* | 19.9988% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 2,740 |
| Loan loss allowance to noncurrent loans | 284.0000% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 1.3719% | 1,682 |
| Noncurrent loans to loans | 0.4823% | 3,914 |
| Net loans and leases to total assets | 44.1641% | 5,350 |
| Net loans and leases to deposits | 49.8926% | 5,473 |
| Net loans and leases to core deposits | 51.3346% | 5,530 |
| Total domestic deposits to total assets | 88.5184% | 1,293 |
| Equity capital to assets | 10.9771% | 3,053 |
| Core capital (leverage) ratio | 9.8592% | 3,821 |
| Tier 1 risk-based capital ratio | 24.3905% | 908 |
| Total risk-based capital ratio | 25.6421% | 897 |
| Memoranda: | ||
| Average total assets | $62,572,750 | 5,327 |
| Average earning assets | $57,957,500 | 5,310 |
| Average equity | $6,316,500 | 5,438 |
| Average total loans | $26,555,500 | 5,566 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0446% | 5,807 |
| Cost of funding earning assets | 0.2223% | 5,234 |
| Net interest margin | 2.8223% | 5,567 |
| Noninterest income to average assets | 0.6673% | 2,374 |
| Noninterest expense to average assets | 2.8781% | 2,964 |
| Loan and lease loss provision to assets | 0.0312% | 3,500 |
| Net operating income to assets | 0.3711% | 5,234 |
| Return on assets (ROA) | 0.3711% | 5,347 |
| Pretax return on assets | 0.3711% | 5,533 |
| Return on Equity (ROE) | 3.7752% | 5,107 |
| Retained earnings to average equity (ytd only) | 2.9821% | 4,139 |
| Net charge-offs to loans | 0.0374% | 2,935 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 25.8000% | 1,509 |
| Efficiency ratio | 87.7376% | 924 |
| Assets per employee ($millions) | 2.0782% | 6,199 |
| Cash dividends to net income (ytd only)* | 21.0084% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 3,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0859% | 2,340 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 42.0261% | 5,506 |
| Net loans and leases to deposits | 47.0210% | 5,629 |
| Net loans and leases to core deposits | 49.1364% | 5,647 |
| Total domestic deposits to total assets | 89.3772% | 963 |
| Equity capital to assets | 10.1801% | 3,826 |
| Core capital (leverage) ratio | 9.6944% | 4,011 |
| Tier 1 risk-based capital ratio | 23.9754% | 955 |
| Total risk-based capital ratio | 25.2257% | 946 |
| Memoranda: | ||
| Average total assets | $64,138,670 | 5,343 |
| Average earning assets | $59,384,330 | 5,323 |
| Average equity | $6,304,330 | 5,488 |
| Average total loans | $26,769,000 | 5,601 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0632% | 5,829 |
| Cost of funding earning assets | 0.2259% | 5,259 |
| Net interest margin | 2.8373% | 5,574 |
| Noninterest income to average assets | 0.6274% | 2,512 |
| Noninterest expense to average assets | 2.8293% | 3,144 |
| Loan and lease loss provision to assets | 0.0554% | 2,827 |
| Net operating income to assets | 0.3690% | 5,190 |
| Return on assets (ROA) | 0.3690% | 5,312 |
| Pretax return on assets | 0.3690% | 5,501 |
| Return on Equity (ROE) | 3.8198% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.8198% | 3,715 |
| Net charge-offs to loans | 0.1042% | 1,692 |
| Credit loss provision to net charge-offs | 128.5714% | 1,380 |
| Earnings coverage of net charge-offs (x) | 9.8571% | 1,978 |
| Efficiency ratio | 86.9565% | 1,100 |
| Assets per employee ($millions) | 2.2068% | 6,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 3,414 |
| Loan loss allowance to noncurrent loans | 141.7004% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.9138% | 1,268 |
| Noncurrent loans to loans | 0.9158% | 2,950 |
| Net loans and leases to total assets | 40.2106% | 5,588 |
| Net loans and leases to deposits | 44.5868% | 5,732 |
| Net loans and leases to core deposits | 46.4525% | 5,733 |
| Total domestic deposits to total assets | 90.1849% | 658 |
| Equity capital to assets | 9.5357% | 4,705 |
| Core capital (leverage) ratio | 9.3853% | 4,455 |
| Tier 1 risk-based capital ratio | 25.1244% | 876 |
| Total risk-based capital ratio | 26.3541% | 855 |
| Memoranda: | ||
| Average total assets | $65,034,500 | 5,375 |
| Average earning assets | $60,198,000 | 5,351 |
| Average equity | $6,283,000 | 5,536 |
| Average total loans | $26,876,000 | 5,643 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3546% | 5,616 |
| Cost of funding earning assets | 0.2893% | 4,908 |
| Net interest margin | 3.0652% | 5,286 |
| Noninterest income to average assets | 0.7994% | 1,879 |
| Noninterest expense to average assets | 3.2603% | 2,040 |
| Loan and lease loss provision to assets | 0.0518% | 3,519 |
| Net operating income to assets | 0.3157% | 5,481 |
| Return on assets (ROA) | 0.3157% | 5,551 |
| Pretax return on assets | 0.3157% | 5,672 |
| Return on Equity (ROE) | 3.2167% | 5,409 |
| Retained earnings to average equity (ytd only) | 1.6164% | 5,010 |
| Net charge-offs to loans | 0.1122% | 2,910 |
| Credit loss provision to net charge-offs | 106.4516% | 2,245 |
| Earnings coverage of net charge-offs (x) | 7.5484% | 3,018 |
| Efficiency ratio | 89.8701% | 849 |
| Assets per employee ($millions) | 2.1288% | 6,336 |
| Cash dividends to net income (ytd only)* | 49.7512% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 3,426 |
| Loan loss allowance to noncurrent loans | 232.0000% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 1.8461% | 1,406 |
| Noncurrent loans to loans | 0.5601% | 3,987 |
| Net loans and leases to total assets | 41.3889% | 5,664 |
| Net loans and leases to deposits | 46.0257% | 5,795 |
| Net loans and leases to core deposits | 48.0294% | 5,811 |
| Total domestic deposits to total assets | 89.9256% | 769 |
| Equity capital to assets | 9.7910% | 4,366 |
| Core capital (leverage) ratio | 9.8157% | 3,817 |
| Tier 1 risk-based capital ratio | 25.1205% | 828 |
| Total risk-based capital ratio | 26.3699% | 817 |
| Memoranda: | ||
| Average total assets | $63,675,800 | 5,457 |
| Average earning assets | $58,755,600 | 5,436 |
| Average equity | $6,248,600 | 5,571 |
| Average total loans | $27,619,600 | 5,666 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3364% | 5,694 |
| Cost of funding earning assets | 0.3091% | 4,792 |
| Net interest margin | 3.0273% | 5,445 |
| Noninterest income to average assets | 0.8382% | 1,748 |
| Noninterest expense to average assets | 3.1641% | 2,280 |
| Loan and lease loss provision to assets | 0.0566% | 3,241 |
| Net operating income to assets | 0.3814% | 5,315 |
| Return on assets (ROA) | 0.3814% | 5,394 |
| Pretax return on assets | 0.4086% | 5,560 |
| Return on Equity (ROE) | 3.8841% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.8841% | 3,887 |
| Net charge-offs to loans | 0.1629% | 2,168 |
| Credit loss provision to net charge-offs | 79.4118% | 2,606 |
| Earnings coverage of net charge-offs (x) | 6.5297% | 3,069 |
| Efficiency ratio | 87.1824% | 1,083 |
| Assets per employee ($millions) | 2.1225% | 6,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 3,961 |
| Loan loss allowance to noncurrent loans | 394.1860% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 1.7683% | 1,690 |
| Noncurrent loans to loans | 0.3169% | 4,956 |
| Net loans and leases to total assets | 42.0881% | 5,663 |
| Net loans and leases to deposits | 46.8859% | 5,828 |
| Net loans and leases to core deposits | 48.9364% | 5,841 |
| Total domestic deposits to total assets | 89.7669% | 838 |
| Equity capital to assets | 9.9472% | 4,231 |
| Core capital (leverage) ratio | 9.9411% | 3,754 |
| Tier 1 risk-based capital ratio | 25.2110% | 863 |
| Total risk-based capital ratio | 26.4608% | 850 |
| Memoranda: | ||
| Average total assets | $63,628,500 | 5,518 |
| Average earning assets | $58,664,750 | 5,496 |
| Average equity | $6,247,500 | 5,632 |
| Average total loans | $27,829,250 | 5,711 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3937% | 5,631 |
| Cost of funding earning assets | 0.3308% | 4,636 |
| Net interest margin | 3.0628% | 5,364 |
| Noninterest income to average assets | 0.8017% | 1,832 |
| Noninterest expense to average assets | 3.0811% | 2,564 |
| Loan and lease loss provision to assets | 0.0566% | 3,163 |
| Net operating income to assets | 0.4465% | 5,034 |
| Return on assets (ROA) | 0.4465% | 5,107 |
| Pretax return on assets | 0.4873% | 5,312 |
| Return on Equity (ROE) | 4.5669% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.5669% | 3,260 |
| Net charge-offs to loans | -0.0143% | 5,431 |
| Credit loss provision to net charge-offs | -900.0000% | 5,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9957% | 1,385 |
| Assets per employee ($millions) | 2.0765% | 6,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 3,629 |
| Loan loss allowance to noncurrent loans | 254.1667% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 1.9007% | 1,705 |
| Noncurrent loans to loans | 0.5280% | 4,427 |
| Net loans and leases to total assets | 43.1920% | 5,588 |
| Net loans and leases to deposits | 48.4740% | 5,747 |
| Net loans and leases to core deposits | 50.6590% | 5,755 |
| Total domestic deposits to total assets | 89.1033% | 1,300 |
| Equity capital to assets | 10.1037% | 3,966 |
| Core capital (leverage) ratio | 9.8167% | 3,862 |
| Tier 1 risk-based capital ratio | 25.0627% | 866 |
| Total risk-based capital ratio | 26.2135% | 862 |
| Memoranda: | ||
| Average total assets | $63,612,670 | 5,570 |
| Average earning assets | $58,638,670 | 5,542 |
| Average equity | $6,218,670 | 5,674 |
| Average total loans | $28,059,330 | 5,745 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3600% | 5,730 |
| Cost of funding earning assets | 0.4040% | 3,924 |
| Net interest margin | 2.9560% | 5,636 |
| Noninterest income to average assets | 0.9024% | 1,386 |
| Noninterest expense to average assets | 3.1367% | 2,417 |
| Loan and lease loss provision to assets | 0.0560% | 2,995 |
| Net operating income to assets | 0.3610% | 5,268 |
| Return on assets (ROA) | 0.3610% | 5,334 |
| Pretax return on assets | 0.4419% | 5,334 |
| Return on Equity (ROE) | 3.7534% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.7534% | 3,875 |
| Net charge-offs to loans | -0.0141% | 5,180 |
| Credit loss provision to net charge-offs | -900.0000% | 5,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3014% | 1,417 |
| Assets per employee ($millions) | 2.1412% | 6,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 4,284 |
| Loan loss allowance to noncurrent loans | 186.3874% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 1.9164% | 1,793 |
| Noncurrent loans to loans | 0.6811% | 4,163 |
| Net loans and leases to total assets | 43.0996% | 5,586 |
| Net loans and leases to deposits | 47.8714% | 5,739 |
| Net loans and leases to core deposits | 50.2113% | 5,745 |
| Total domestic deposits to total assets | 90.0319% | 1,060 |
| Equity capital to assets | 9.6676% | 4,273 |
| Core capital (leverage) ratio | 9.5933% | 4,142 |
| Tier 1 risk-based capital ratio | 25.7676% | 809 |
| Total risk-based capital ratio | 27.0207% | 786 |
| Memoranda: | ||
| Average total assets | $64,272,000 | 5,619 |
| Average earning assets | $59,405,500 | 5,575 |
| Average equity | $6,181,000 | 5,712 |
| Average total loans | $28,453,000 | 5,776 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4400% | 5,757 |
| Cost of funding earning assets | 0.3411% | 5,229 |
| Net interest margin | 3.0989% | 5,319 |
| Noninterest income to average assets | 0.8423% | 1,897 |
| Noninterest expense to average assets | 3.3112% | 2,113 |
| Loan and lease loss provision to assets | 0.0565% | 4,017 |
| Net operating income to assets | 0.3529% | 5,323 |
| Return on assets (ROA) | 0.3529% | 5,437 |
| Pretax return on assets | 0.3529% | 5,599 |
| Return on Equity (ROE) | 3.6851% | 5,244 |
| Retained earnings to average equity (ytd only) | 2.7024% | 4,317 |
| Net charge-offs to loans | 0.1314% | 3,497 |
| Credit loss provision to net charge-offs | 90.0000% | 2,756 |
| Earnings coverage of net charge-offs (x) | 6.5250% | 3,045 |
| Efficiency ratio | 88.9966% | 1,108 |
| Assets per employee ($millions) | 1.6077% | 6,706 |
| Cash dividends to net income (ytd only)* | 26.6667% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 4,668 |
| Loan loss allowance to noncurrent loans | 617.8571% | 792 |
| Noncurrent assets plus other real estate owned to assets | 1.7043% | 2,161 |
| Noncurrent loans to loans | 0.1940% | 5,612 |
| Net loans and leases to total assets | 44.3468% | 5,647 |
| Net loans and leases to deposits | 49.2284% | 5,819 |
| Net loans and leases to core deposits | 51.6284% | 5,820 |
| Total domestic deposits to total assets | 90.0838% | 1,032 |
| Equity capital to assets | 9.5663% | 4,326 |
| Core capital (leverage) ratio | 9.6961% | 3,989 |
| Tier 1 risk-based capital ratio | 23.8200% | 972 |
| Total risk-based capital ratio | 25.0707% | 959 |
| Memoranda: | ||
| Average total assets | $63,753,800 | 5,658 |
| Average earning assets | $59,215,000 | 5,617 |
| Average equity | $6,105,600 | 5,793 |
| Average total loans | $30,452,600 | 5,738 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4638% | 5,762 |
| Cost of funding earning assets | 0.3204% | 5,549 |
| Net interest margin | 3.1434% | 5,170 |
| Noninterest income to average assets | 0.7860% | 2,222 |
| Noninterest expense to average assets | 3.1522% | 2,497 |
| Loan and lease loss provision to assets | 0.0566% | 3,922 |
| Net operating income to assets | 0.4464% | 5,041 |
| Return on assets (ROA) | 0.4464% | 5,180 |
| Pretax return on assets | 0.4967% | 5,365 |
| Return on Equity (ROE) | 4.6602% | 4,900 |
| Retained earnings to average equity (ytd only) | 4.6602% | 3,353 |
| Net charge-offs to loans | -0.0043% | 5,765 |
| Credit loss provision to net charge-offs | -2,700.0000% | 6,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0679% | 1,462 |
| Assets per employee ($millions) | 1.6112% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 4,505 |
| Loan loss allowance to noncurrent loans | 221.0526% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 2.0482% | 1,971 |
| Noncurrent loans to loans | 0.5786% | 4,756 |
| Net loans and leases to total assets | 45.2737% | 5,605 |
| Net loans and leases to deposits | 50.6448% | 5,792 |
| Net loans and leases to core deposits | 53.1272% | 5,821 |
| Total domestic deposits to total assets | 89.3946% | 1,362 |
| Equity capital to assets | 9.6202% | 4,392 |
| Core capital (leverage) ratio | 9.7409% | 4,044 |
| Tier 1 risk-based capital ratio | 24.3548% | 947 |
| Total risk-based capital ratio | 25.6079% | 927 |
| Memoranda: | ||
| Average total assets | $63,615,000 | 5,721 |
| Average earning assets | $59,086,250 | 5,682 |
| Average equity | $6,094,000 | 5,869 |
| Average total loans | $30,849,500 | 5,774 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4802% | 5,734 |
| Cost of funding earning assets | 0.3173% | 5,693 |
| Net interest margin | 3.1629% | 5,075 |
| Noninterest income to average assets | 0.7926% | 2,219 |
| Noninterest expense to average assets | 3.0819% | 2,719 |
| Loan and lease loss provision to assets | 0.0568% | 3,864 |
| Net operating income to assets | 0.5526% | 4,539 |
| Return on assets (ROA) | 0.5526% | 4,709 |
| Pretax return on assets | 0.5810% | 5,093 |
| Return on Equity (ROE) | 5.7768% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.7768% | 2,569 |
| Net charge-offs to loans | -0.0064% | 5,683 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8523% | 1,780 |
| Assets per employee ($millions) | 1.5930% | 6,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 4,911 |
| Loan loss allowance to noncurrent loans | 166.2162% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 2.2100% | 1,953 |
| Noncurrent loans to loans | 0.7305% | 4,463 |
| Net loans and leases to total assets | 48.3220% | 5,298 |
| Net loans and leases to deposits | 54.1094% | 5,512 |
| Net loans and leases to core deposits | 56.8676% | 5,536 |
| Total domestic deposits to total assets | 89.3042% | 1,445 |
| Equity capital to assets | 9.9184% | 4,018 |
| Core capital (leverage) ratio | 9.6146% | 4,057 |
| Tier 1 risk-based capital ratio | 23.9953% | 999 |
| Total risk-based capital ratio | 25.2492% | 977 |
| Memoranda: | ||
| Average total assets | $63,337,330 | 5,767 |
| Average earning assets | $58,616,670 | 5,739 |
| Average equity | $6,058,670 | 5,916 |
| Average total loans | $31,280,670 | 5,788 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4537% | 5,825 |
| Cost of funding earning assets | 0.3312% | 5,709 |
| Net interest margin | 3.1225% | 5,184 |
| Noninterest income to average assets | 0.7319% | 2,421 |
| Noninterest expense to average assets | 3.3155% | 2,047 |
| Loan and lease loss provision to assets | 0.0563% | 3,698 |
| Net operating income to assets | 0.2502% | 5,726 |
| Return on assets (ROA) | 0.2502% | 5,847 |
| Pretax return on assets | 0.2502% | 5,956 |
| Return on Equity (ROE) | 2.6636% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.6636% | 4,688 |
| Net charge-offs to loans | -0.0126% | 5,524 |
| Credit loss provision to net charge-offs | -900.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5371% | 1,025 |
| Assets per employee ($millions) | 1.6507% | 6,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 5,362 |
| Loan loss allowance to noncurrent loans | 61.1205% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 2.7726% | 1,637 |
| Noncurrent loans to loans | 1.8994% | 2,738 |
| Net loans and leases to total assets | 47.6087% | 5,268 |
| Net loans and leases to deposits | 52.8075% | 5,542 |
| Net loans and leases to core deposits | 55.3729% | 5,572 |
| Total domestic deposits to total assets | 90.1552% | 956 |
| Equity capital to assets | 9.3617% | 5,041 |
| Core capital (leverage) ratio | 9.3466% | 4,332 |
| Tier 1 risk-based capital ratio | 23.1799% | 1,128 |
| Total risk-based capital ratio | 24.4298% | 1,112 |
| Memoranda: | ||
| Average total assets | $63,942,500 | 5,807 |
| Average earning assets | $59,183,500 | 5,772 |
| Average equity | $6,007,000 | 5,981 |
| Average total loans | $31,726,000 | 5,807 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7529% | 5,940 |
| Cost of funding earning assets | 0.4446% | 5,628 |
| Net interest margin | 3.3083% | 5,217 |
| Noninterest income to average assets | 0.8569% | 2,006 |
| Noninterest expense to average assets | 3.5127% | 1,784 |
| Loan and lease loss provision to assets | 0.0192% | 5,664 |
| Net operating income to assets | 0.3107% | 5,428 |
| Return on assets (ROA) | 0.3107% | 5,636 |
| Pretax return on assets | 0.3524% | 5,707 |
| Return on Equity (ROE) | 3.2825% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.4703% | 4,495 |
| Net charge-offs to loans | 0.1629% | 4,074 |
| Credit loss provision to net charge-offs | 23.0769% | 5,241 |
| Earnings coverage of net charge-offs (x) | 4.4615% | 3,359 |
| Efficiency ratio | 90.4330% | 1,029 |
| Assets per employee ($millions) | 1.6284% | 6,972 |
| Cash dividends to net income (ytd only)* | 24.7423% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 5,634 |
| Loan loss allowance to noncurrent loans | 57.8512% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 2.9698% | 1,597 |
| Noncurrent loans to loans | 1.8649% | 2,841 |
| Net loans and leases to total assets | 50.5338% | 5,100 |
| Net loans and leases to deposits | 56.1118% | 5,436 |
| Net loans and leases to core deposits | 58.8779% | 5,466 |
| Total domestic deposits to total assets | 90.0592% | 918 |
| Equity capital to assets | 9.4275% | 4,966 |
| Core capital (leverage) ratio | 9.6669% | 3,866 |
| Tier 1 risk-based capital ratio | 22.0703% | 1,253 |
| Total risk-based capital ratio | 23.3199% | 1,219 |
| Memoranda: | ||
| Average total assets | $62,431,200 | 5,865 |
| Average earning assets | $57,128,800 | 5,835 |
| Average equity | $5,910,200 | 6,042 |
| Average total loans | $31,912,000 | 5,859 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 6,134 |
| Cost of funding earning assets | 0.4767% | 5,587 |
| Net interest margin | 3.2711% | 5,483 |
| Noninterest income to average assets | 0.8558% | 1,999 |
| Noninterest expense to average assets | 3.6270% | 1,508 |
| Loan and lease loss provision to assets | 0.0257% | 5,461 |
| Net operating income to assets | 0.1651% | 6,000 |
| Return on assets (ROA) | 0.1651% | 6,146 |
| Pretax return on assets | 0.1909% | 6,141 |
| Return on Equity (ROE) | 1.7427% | 6,093 |
| Retained earnings to average equity (ytd only) | 1.7427% | 5,457 |
| Net charge-offs to loans | 0.0545% | 4,888 |
| Credit loss provision to net charge-offs | 92.3077% | 3,225 |
| Earnings coverage of net charge-offs (x) | 7.7703% | 2,552 |
| Efficiency ratio | 94.3638% | 753 |
| Assets per employee ($millions) | 1.5703% | 7,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 5,224 |
| Loan loss allowance to noncurrent loans | 57.1219% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 3.5874% | 1,392 |
| Noncurrent loans to loans | 2.1254% | 2,699 |
| Net loans and leases to total assets | 51.6835% | 5,084 |
| Net loans and leases to deposits | 57.6718% | 5,463 |
| Net loans and leases to core deposits | 60.6523% | 5,489 |
| Total domestic deposits to total assets | 89.6166% | 1,064 |
| Equity capital to assets | 9.6633% | 4,971 |
| Core capital (leverage) ratio | 9.5165% | 4,239 |
| Tier 1 risk-based capital ratio | 21.8610% | 1,353 |
| Total risk-based capital ratio | 23.1133% | 1,329 |
| Memoranda: | ||
| Average total assets | $62,162,500 | 5,938 |
| Average earning assets | $56,778,000 | 5,913 |
| Average equity | $5,891,000 | 6,121 |
| Average total loans | $31,779,500 | 5,936 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 6,269 |
| Cost of funding earning assets | 0.5020% | 5,602 |
| Net interest margin | 3.2400% | 5,622 |
| Noninterest income to average assets | 0.8676% | 1,897 |
| Noninterest expense to average assets | 3.4545% | 1,896 |
| Loan and lease loss provision to assets | 0.0384% | 5,193 |
| Net operating income to assets | 0.2913% | 5,651 |
| Return on assets (ROA) | 0.2913% | 5,854 |
| Pretax return on assets | 0.3298% | 5,897 |
| Return on Equity (ROE) | 3.0942% | 5,657 |
| Retained earnings to average equity (ytd only) | 3.0942% | 4,580 |
| Net charge-offs to loans | 0.1325% | 3,868 |
| Credit loss provision to net charge-offs | 57.1429% | 3,873 |
| Earnings coverage of net charge-offs (x) | 5.4762% | 2,826 |
| Efficiency ratio | 90.3685% | 1,048 |
| Assets per employee ($millions) | 1.5377% | 7,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 5,255 |
| Loan loss allowance to noncurrent loans | 349.5413% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 2.8821% | 1,916 |
| Noncurrent loans to loans | 0.3495% | 5,848 |
| Net loans and leases to total assets | 48.8595% | 5,510 |
| Net loans and leases to deposits | 54.4993% | 5,817 |
| Net loans and leases to core deposits | 57.2281% | 5,842 |
| Total domestic deposits to total assets | 89.6517% | 1,128 |
| Equity capital to assets | 9.4093% | 5,182 |
| Core capital (leverage) ratio | 9.5125% | 4,123 |
| Tier 1 risk-based capital ratio | 22.3436% | 1,225 |
| Total risk-based capital ratio | 23.5941% | 1,210 |
| Memoranda: | ||
| Average total assets | $62,469,330 | 5,963 |
| Average earning assets | $56,974,670 | 5,944 |
| Average equity | $5,882,000 | 6,151 |
| Average total loans | $31,692,330 | 5,981 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7405% | 6,369 |
| Cost of funding earning assets | 0.5554% | 5,463 |
| Net interest margin | 3.1850% | 5,820 |
| Noninterest income to average assets | 0.8491% | 1,950 |
| Noninterest expense to average assets | 3.4801% | 1,802 |
| Loan and lease loss provision to assets | 0.0772% | 4,431 |
| Net operating income to assets | 0.2058% | 5,966 |
| Return on assets (ROA) | 0.2058% | 6,113 |
| Pretax return on assets | 0.2058% | 6,189 |
| Return on Equity (ROE) | 2.1854% | 6,011 |
| Retained earnings to average equity (ytd only) | 2.1854% | 5,171 |
| Net charge-offs to loans | 0.0376% | 4,172 |
| Credit loss provision to net charge-offs | 400.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,455 |
| Efficiency ratio | 92.4786% | 910 |
| Assets per employee ($millions) | 1.5066% | 7,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 5,227 |
| Loan loss allowance to noncurrent loans | 249.3750% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 2.9043% | 1,995 |
| Noncurrent loans to loans | 0.5027% | 5,669 |
| Net loans and leases to total assets | 50.8839% | 5,182 |
| Net loans and leases to deposits | 56.6825% | 5,525 |
| Net loans and leases to core deposits | 58.9048% | 5,635 |
| Total domestic deposits to total assets | 89.7701% | 1,209 |
| Equity capital to assets | 9.5079% | 4,795 |
| Core capital (leverage) ratio | 9.2855% | 4,387 |
| Tier 1 risk-based capital ratio | 21.9724% | 1,289 |
| Total risk-based capital ratio | 23.2257% | 1,265 |
| Memoranda: | ||
| Average total assets | $62,182,000 | 6,003 |
| Average earning assets | $56,891,500 | 5,980 |
| Average equity | $5,857,000 | 6,190 |
| Average total loans | $31,946,500 | 6,010 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9691% | 6,511 |
| Cost of funding earning assets | 0.5655% | 6,262 |
| Net interest margin | 3.4036% | 5,470 |
| Noninterest income to average assets | 0.9599% | 1,473 |
| Noninterest expense to average assets | 3.5430% | 1,879 |
| Loan and lease loss provision to assets | 0.1033% | 5,293 |
| Net operating income to assets | 0.3233% | 5,175 |
| Return on assets (ROA) | 0.4183% | 4,968 |
| Pretax return on assets | 0.5600% | 4,807 |
| Return on Equity (ROE) | 4.3523% | 4,697 |
| Retained earnings to average equity (ytd only) | 3.0518% | 4,058 |
| Net charge-offs to loans | 0.2328% | 4,324 |
| Credit loss provision to net charge-offs | 80.5195% | 4,425 |
| Earnings coverage of net charge-offs (x) | 4.1818% | 3,231 |
| Efficiency ratio | 86.8464% | 1,458 |
| Assets per employee ($millions) | 1.5267% | 7,256 |
| Cash dividends to net income (ytd only)* | 29.8805% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 5,314 |
| Loan loss allowance to noncurrent loans | 188.4058% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 2.8485% | 2,124 |
| Noncurrent loans to loans | 0.6456% | 5,415 |
| Net loans and leases to total assets | 50.6007% | 5,512 |
| Net loans and leases to deposits | 56.1230% | 5,885 |
| Net loans and leases to core deposits | 58.2814% | 5,984 |
| Total domestic deposits to total assets | 90.1604% | 904 |
| Equity capital to assets | 9.3316% | 5,109 |
| Core capital (leverage) ratio | 9.8561% | 3,510 |
| Tier 1 risk-based capital ratio | 21.8396% | 1,256 |
| Total risk-based capital ratio | 23.0660% | 1,230 |
| Memoranda: | ||
| Average total assets | $60,005,200 | 6,036 |
| Average earning assets | $55,000,200 | 6,016 |
| Average equity | $5,767,000 | 6,214 |
| Average total loans | $33,068,600 | 6,009 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0318% | 6,539 |
| Cost of funding earning assets | 0.5959% | 6,295 |
| Net interest margin | 3.4358% | 5,442 |
| Noninterest income to average assets | 1.1029% | 1,094 |
| Noninterest expense to average assets | 3.6770% | 1,543 |
| Loan and lease loss provision to assets | 0.0629% | 5,667 |
| Net operating income to assets | 0.4470% | 4,792 |
| Return on assets (ROA) | 0.4470% | 4,984 |
| Pretax return on assets | 0.5099% | 5,135 |
| Return on Equity (ROE) | 4.6156% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.6156% | 3,433 |
| Net charge-offs to loans | 0.1601% | 4,499 |
| Credit loss provision to net charge-offs | 70.0000% | 4,485 |
| Earnings coverage of net charge-offs (x) | 6.3752% | 2,563 |
| Efficiency ratio | 86.5222% | 1,482 |
| Assets per employee ($millions) | 1.4451% | 7,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 5,442 |
| Loan loss allowance to noncurrent loans | 64.7446% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 3.7418% | 1,663 |
| Noncurrent loans to loans | 1.8602% | 3,553 |
| Net loans and leases to total assets | 54.4110% | 5,106 |
| Net loans and leases to deposits | 60.9621% | 5,522 |
| Net loans and leases to core deposits | 63.4669% | 5,678 |
| Total domestic deposits to total assets | 89.2538% | 1,282 |
| Equity capital to assets | 9.8972% | 4,483 |
| Core capital (leverage) ratio | 9.9096% | 3,557 |
| Tier 1 risk-based capital ratio | 21.7032% | 1,337 |
| Total risk-based capital ratio | 22.9542% | 1,306 |
| Memoranda: | ||
| Average total assets | $59,358,000 | 6,116 |
| Average earning assets | $54,367,000 | 6,086 |
| Average equity | $5,748,500 | 6,260 |
| Average total loans | $33,320,000 | 6,049 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 6,637 |
| Cost of funding earning assets | 0.5972% | 6,477 |
| Net interest margin | 3.4181% | 5,487 |
| Noninterest income to average assets | 0.9226% | 1,571 |
| Noninterest expense to average assets | 3.6232% | 1,693 |
| Loan and lease loss provision to assets | 0.0337% | 5,895 |
| Net operating income to assets | 0.3536% | 5,159 |
| Return on assets (ROA) | 0.3536% | 5,296 |
| Pretax return on assets | 0.4074% | 5,372 |
| Return on Equity (ROE) | 3.6778% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.6778% | 3,884 |
| Net charge-offs to loans | 0.1192% | 4,517 |
| Credit loss provision to net charge-offs | 50.0000% | 4,583 |
| Earnings coverage of net charge-offs (x) | 6.5500% | 2,379 |
| Efficiency ratio | 89.1466% | 1,307 |
| Assets per employee ($millions) | 1.4671% | 7,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 5,649 |
| Loan loss allowance to noncurrent loans | 36.5065% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 3.1487% | 2,133 |
| Noncurrent loans to loans | 3.2187% | 2,223 |
| Net loans and leases to total assets | 55.2284% | 5,117 |
| Net loans and leases to deposits | 61.4419% | 5,565 |
| Net loans and leases to core deposits | 64.5933% | 5,662 |
| Total domestic deposits to total assets | 89.8873% | 1,026 |
| Equity capital to assets | 9.5924% | 4,670 |
| Core capital (leverage) ratio | 9.7386% | 3,619 |
| Tier 1 risk-based capital ratio | 21.9042% | 1,271 |
| Total risk-based capital ratio | 23.1569% | 1,244 |
| Memoranda: | ||
| Average total assets | $59,394,330 | 6,162 |
| Average earning assets | $54,591,670 | 6,126 |
| Average equity | $5,710,000 | 6,315 |
| Average total loans | $33,549,670 | 6,101 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 6,598 |
| Cost of funding earning assets | 0.6567% | 6,358 |
| Net interest margin | 3.3944% | 5,449 |
| Noninterest income to average assets | 0.8743% | 1,749 |
| Noninterest expense to average assets | 3.6533% | 1,647 |
| Loan and lease loss provision to assets | 0.0678% | 5,145 |
| Net operating income to assets | 0.2033% | 5,774 |
| Return on assets (ROA) | 0.2033% | 5,836 |
| Pretax return on assets | 0.2711% | 5,746 |
| Return on Equity (ROE) | 2.1127% | 5,747 |
| Retained earnings to average equity (ytd only) | 2.1127% | 4,874 |
| Net charge-offs to loans | 0.1432% | 3,638 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | 4.1667% | 2,547 |
| Efficiency ratio | 91.5110% | 1,199 |
| Assets per employee ($millions) | 1.4398% | 7,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 5,535 |
| Loan loss allowance to noncurrent loans | 62.1914% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.4868% | 2,744 |
| Noncurrent loans to loans | 1.9604% | 3,625 |
| Net loans and leases to total assets | 55.3133% | 5,107 |
| Net loans and leases to deposits | 61.5994% | 5,558 |
| Net loans and leases to core deposits | 63.1921% | 5,814 |
| Total domestic deposits to total assets | 89.7952% | 1,291 |
| Equity capital to assets | 9.6475% | 4,253 |
| Core capital (leverage) ratio | 9.4822% | 3,839 |
| Tier 1 risk-based capital ratio | 22.4469% | 1,152 |
| Total risk-based capital ratio | 23.7003% | 1,133 |
| Memoranda: | ||
| Average total assets | $59,015,500 | 6,219 |
| Average earning assets | $54,207,000 | 6,193 |
| Average equity | $5,680,000 | 6,344 |
| Average total loans | $33,516,500 | 6,154 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4321% | 6,556 |
| Cost of funding earning assets | 0.8273% | 6,455 |
| Net interest margin | 3.6049% | 4,795 |
| Noninterest income to average assets | 0.8487% | 2,062 |
| Noninterest expense to average assets | 3.7785% | 1,527 |
| Loan and lease loss provision to assets | 0.1852% | 5,379 |
| Net operating income to assets | 0.1785% | 5,345 |
| Return on assets (ROA) | 0.1785% | 5,514 |
| Pretax return on assets | 0.2088% | 5,471 |
| Return on Equity (ROE) | 1.8848% | 5,429 |
| Retained earnings to average equity (ytd only) | 1.7070% | 4,666 |
| Net charge-offs to loans | 0.2723% | 4,661 |
| Credit loss provision to net charge-offs | 115.7895% | 3,723 |
| Earnings coverage of net charge-offs (x) | 2.4632% | 3,890 |
| Efficiency ratio | 90.5569% | 1,283 |
| Assets per employee ($millions) | 1.4390% | 7,556 |
| Cash dividends to net income (ytd only)* | 9.4340% | 3,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 5,559 |
| Loan loss allowance to noncurrent loans | 49.8155% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 2.7746% | 2,521 |
| Noncurrent loans to loans | 2.3927% | 3,127 |
| Net loans and leases to total assets | 56.9034% | 5,202 |
| Net loans and leases to deposits | 63.5443% | 5,674 |
| Net loans and leases to core deposits | 65.1916% | 5,953 |
| Total domestic deposits to total assets | 89.5492% | 1,358 |
| Equity capital to assets | 9.6017% | 4,269 |
| Core capital (leverage) ratio | 9.5261% | 3,673 |
| Tier 1 risk-based capital ratio | 21.4819% | 1,248 |
| Total risk-based capital ratio | 22.7371% | 1,224 |
| Memoranda: | ||
| Average total assets | $59,388,000 | 6,226 |
| Average earning assets | $54,759,000 | 6,184 |
| Average equity | $5,624,000 | 6,480 |
| Average total loans | $34,884,800 | 6,159 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5143% | 6,571 |
| Cost of funding earning assets | 0.8325% | 6,645 |
| Net interest margin | 3.6818% | 4,500 |
| Noninterest income to average assets | 0.8114% | 2,177 |
| Noninterest expense to average assets | 3.7947% | 1,378 |
| Loan and lease loss provision to assets | 0.1614% | 5,417 |
| Net operating income to assets | 0.2017% | 5,506 |
| Return on assets (ROA) | 0.2017% | 5,664 |
| Pretax return on assets | 0.2555% | 5,600 |
| Return on Equity (ROE) | 2.1376% | 5,561 |
| Retained earnings to average equity (ytd only) | 2.1376% | 4,897 |
| Net charge-offs to loans | 0.3646% | 3,846 |
| Credit loss provision to net charge-offs | 75.0000% | 5,278 |
| Earnings coverage of net charge-offs (x) | 1.9374% | 4,252 |
| Efficiency ratio | 90.1011% | 1,281 |
| Assets per employee ($millions) | 1.4634% | 7,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 6,138 |
| Loan loss allowance to noncurrent loans | 250.6849% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 1.5967% | 4,055 |
| Noncurrent loans to loans | 0.4208% | 6,357 |
| Net loans and leases to total assets | 57.2200% | 5,375 |
| Net loans and leases to deposits | 63.5801% | 5,963 |
| Net loans and leases to core deposits | 65.1882% | 6,194 |
| Total domestic deposits to total assets | 89.9967% | 883 |
| Equity capital to assets | 9.4317% | 4,937 |
| Core capital (leverage) ratio | 9.4783% | 3,935 |
| Tier 1 risk-based capital ratio | 20.4444% | 1,457 |
| Total risk-based capital ratio | 21.6944% | 1,440 |
| Memoranda: | ||
| Average total assets | $59,485,000 | 6,287 |
| Average earning assets | $54,935,000 | 6,241 |
| Average equity | $5,613,750 | 6,563 |
| Average total loans | $35,111,500 | 6,233 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6202% | 6,401 |
| Cost of funding earning assets | 0.8665% | 6,704 |
| Net interest margin | 3.7537% | 4,114 |
| Noninterest income to average assets | 0.7857% | 2,200 |
| Noninterest expense to average assets | 3.7833% | 1,391 |
| Loan and lease loss provision to assets | 0.1619% | 5,271 |
| Net operating income to assets | 0.2563% | 5,351 |
| Return on assets (ROA) | 0.2563% | 5,492 |
| Pretax return on assets | 0.3170% | 5,455 |
| Return on Equity (ROE) | 2.7149% | 5,360 |
| Retained earnings to average equity (ytd only) | 2.7149% | 4,406 |
| Net charge-offs to loans | 0.5447% | 2,896 |
| Credit loss provision to net charge-offs | 50.0000% | 5,413 |
| Earnings coverage of net charge-offs (x) | 1.4792% | 4,377 |
| Efficiency ratio | 88.7658% | 1,438 |
| Assets per employee ($millions) | 1.4258% | 7,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 6,557 |
| Loan loss allowance to noncurrent loans | 25.8113% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 3.2724% | 2,152 |
| Noncurrent loans to loans | 3.7304% | 2,088 |
| Net loans and leases to total assets | 60.1748% | 5,023 |
| Net loans and leases to deposits | 67.1073% | 5,671 |
| Net loans and leases to core deposits | 68.6769% | 6,003 |
| Total domestic deposits to total assets | 89.6695% | 1,088 |
| Equity capital to assets | 9.6565% | 4,459 |
| Core capital (leverage) ratio | 9.4718% | 3,861 |
| Tier 1 risk-based capital ratio | 20.1384% | 1,492 |
| Total risk-based capital ratio | 21.3585% | 1,466 |
| Memoranda: | ||
| Average total assets | $59,313,330 | 6,337 |
| Average earning assets | $54,933,000 | 6,285 |
| Average equity | $5,598,670 | 6,586 |
| Average total loans | $35,249,330 | 6,275 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 6,550 |
| Cost of funding earning assets | 0.9253% | 6,674 |
| Net interest margin | 3.6797% | 4,352 |
| Noninterest income to average assets | 0.7700% | 2,175 |
| Noninterest expense to average assets | 3.8366% | 1,268 |
| Loan and lease loss provision to assets | 0.1607% | 4,922 |
| Net operating income to assets | 0.0870% | 6,059 |
| Return on assets (ROA) | 0.0870% | 6,159 |
| Pretax return on assets | 0.1808% | 5,944 |
| Return on Equity (ROE) | 0.9327% | 6,131 |
| Retained earnings to average equity (ytd only) | 0.9327% | 5,441 |
| Net charge-offs to loans | 0.7063% | 2,089 |
| Credit loss provision to net charge-offs | 38.7097% | 4,664 |
| Earnings coverage of net charge-offs (x) | 0.8226% | 4,310 |
| Efficiency ratio | 91.8269% | 1,290 |
| Assets per employee ($millions) | 1.4213% | 7,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 6,423 |
| Loan loss allowance to noncurrent loans | 36.9748% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 2.8229% | 2,571 |
| Noncurrent loans to loans | 2.7255% | 2,930 |
| Net loans and leases to total assets | 59.3369% | 5,236 |
| Net loans and leases to deposits | 66.0200% | 5,818 |
| Net loans and leases to core deposits | 68.0830% | 6,092 |
| Total domestic deposits to total assets | 89.8771% | 1,051 |
| Equity capital to assets | 9.5789% | 4,408 |
| Core capital (leverage) ratio | 9.2329% | 4,169 |
| Tier 1 risk-based capital ratio | 19.9236% | 1,541 |
| Total risk-based capital ratio | 21.1800% | 1,507 |
| Memoranda: | ||
| Average total assets | $59,741,000 | 6,394 |
| Average earning assets | $55,330,500 | 6,348 |
| Average equity | $5,575,500 | 6,653 |
| Average total loans | $35,114,500 | 6,362 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1635% | 5,816 |
| Cost of funding earning assets | 1.2217% | 6,585 |
| Net interest margin | 3.9419% | 3,111 |
| Noninterest income to average assets | 1.0066% | 1,548 |
| Noninterest expense to average assets | 3.8497% | 1,602 |
| Loan and lease loss provision to assets | 0.5016% | 3,867 |
| Net operating income to assets | 0.2364% | 4,777 |
| Return on assets (ROA) | 0.2364% | 4,853 |
| Pretax return on assets | 0.2381% | 4,920 |
| Return on Equity (ROE) | 2.4795% | 4,719 |
| Retained earnings to average equity (ytd only) | 1.1416% | 4,250 |
| Net charge-offs to loans | 0.1840% | 5,504 |
| Credit loss provision to net charge-offs | 453.8462% | 685 |
| Earnings coverage of net charge-offs (x) | 6.6923% | 2,313 |
| Efficiency ratio | 83.8829% | 2,365 |
| Assets per employee ($millions) | 1.4929% | 7,902 |
| Cash dividends to net income (ytd only)* | 53.9568% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 5,873 |
| Loan loss allowance to noncurrent loans | 30.6122% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 2.7856% | 2,510 |
| Noncurrent loans to loans | 3.6092% | 2,090 |
| Net loans and leases to total assets | 57.0334% | 5,812 |
| Net loans and leases to deposits | 63.1528% | 6,349 |
| Net loans and leases to core deposits | 70.3924% | 6,742 |
| Total domestic deposits to total assets | 90.3101% | 829 |
| Equity capital to assets | 9.0985% | 4,989 |
| Core capital (leverage) ratio | 9.4974% | 3,727 |
| Tier 1 risk-based capital ratio | 18.8818% | 1,678 |
| Total risk-based capital ratio | 20.1329% | 1,642 |
| Memoranda: | ||
| Average total assets | $58,809,400 | 6,392 |
| Average earning assets | $53,451,800 | 6,397 |
| Average equity | $5,606,000 | 6,739 |
| Average total loans | $35,324,600 | 6,339 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3532% | 5,156 |
| Cost of funding earning assets | 1.3054% | 6,543 |
| Net interest margin | 4.0479% | 2,605 |
| Noninterest income to average assets | 1.0651% | 1,399 |
| Noninterest expense to average assets | 3.9259% | 1,389 |
| Loan and lease loss provision to assets | 0.1901% | 5,475 |
| Net operating income to assets | 0.4787% | 4,075 |
| Return on assets (ROA) | 0.4787% | 4,175 |
| Pretax return on assets | 0.6070% | 4,162 |
| Return on Equity (ROE) | 4.9626% | 3,979 |
| Retained earnings to average equity (ytd only) | 4.9626% | 2,509 |
| Net charge-offs to loans | 0.0038% | 6,932 |
| Credit loss provision to net charge-offs | 8,300.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 348.8647% | 108 |
| Efficiency ratio | 83.1232% | 2,417 |
| Assets per employee ($millions) | 1.4537% | 7,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6713% | 7,440 |
| Loan loss allowance to noncurrent loans | 17.6513% | 7,211 |
| Noncurrent assets plus other real estate owned to assets | 2.4026% | 2,866 |
| Noncurrent loans to loans | 3.8029% | 1,953 |
| Net loans and leases to total assets | 60.0792% | 5,572 |
| Net loans and leases to deposits | 67.1410% | 6,197 |
| Net loans and leases to core deposits | 75.4525% | 6,644 |
| Total domestic deposits to total assets | 89.4821% | 978 |
| Equity capital to assets | 9.5868% | 4,636 |
| Core capital (leverage) ratio | 9.7637% | 3,554 |
| Tier 1 risk-based capital ratio | 18.9992% | 1,747 |
| Total risk-based capital ratio | 19.8038% | 1,804 |
| Memoranda: | ||
| Average total assets | $58,209,750 | 6,457 |
| Average earning assets | $52,602,500 | 6,472 |
| Average equity | $5,615,250 | 6,811 |
| Average total loans | $35,331,000 | 6,389 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3982% | 5,167 |
| Cost of funding earning assets | 1.4186% | 6,420 |
| Net interest margin | 3.9796% | 2,789 |
| Noninterest income to average assets | 1.1395% | 1,211 |
| Noninterest expense to average assets | 3.9934% | 1,325 |
| Loan and lease loss provision to assets | 0.1732% | 5,328 |
| Net operating income to assets | 0.4780% | 4,184 |
| Return on assets (ROA) | 0.4780% | 4,295 |
| Pretax return on assets | 0.6165% | 4,280 |
| Return on Equity (ROE) | 4.9442% | 4,103 |
| Retained earnings to average equity (ytd only) | 4.9442% | 2,542 |
| Net charge-offs to loans | -0.0057% | 7,539 |
| Credit loss provision to net charge-offs | -5,000.0000% | 7,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4902% | 2,543 |
| Assets per employee ($millions) | 1.3625% | 8,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5923% | 7,646 |
| Loan loss allowance to noncurrent loans | 22.4101% | 6,993 |
| Noncurrent assets plus other real estate owned to assets | 1.8384% | 3,416 |
| Noncurrent loans to loans | 2.6429% | 2,740 |
| Net loans and leases to total assets | 63.6940% | 5,045 |
| Net loans and leases to deposits | 71.7307% | 5,772 |
| Net loans and leases to core deposits | 84.5419% | 6,045 |
| Total domestic deposits to total assets | 88.7960% | 1,374 |
| Equity capital to assets | 10.1121% | 3,803 |
| Core capital (leverage) ratio | 9.6090% | 3,752 |
| Tier 1 risk-based capital ratio | 19.0192% | 1,776 |
| Total risk-based capital ratio | 19.7337% | 1,833 |
| Memoranda: | ||
| Average total assets | $57,745,330 | 6,527 |
| Average earning assets | $52,869,330 | 6,513 |
| Average equity | $5,582,330 | 6,867 |
| Average total loans | $35,091,000 | 6,452 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3823% | 5,519 |
| Cost of funding earning assets | 1.6429% | 5,848 |
| Net interest margin | 3.7394% | 3,715 |
| Noninterest income to average assets | 1.2814% | 873 |
| Noninterest expense to average assets | 4.1918% | 949 |
| Loan and lease loss provision to assets | 0.0545% | 6,284 |
| Net operating income to assets | 0.2999% | 5,300 |
| Return on assets (ROA) | 0.2999% | 5,473 |
| Pretax return on assets | 0.4635% | 5,198 |
| Return on Equity (ROE) | 3.1717% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.1717% | 4,110 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0014% | 1,808 |
| Assets per employee ($millions) | 1.4629% | 8,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4778% | 7,850 |
| Loan loss allowance to noncurrent loans | 11.0892% | 7,495 |
| Noncurrent assets plus other real estate owned to assets | 2.6760% | 2,138 |
| Noncurrent loans to loans | 4.3091% | 1,361 |
| Net loans and leases to total assets | 58.6849% | 5,849 |
| Net loans and leases to deposits | 65.3000% | 6,438 |
| Net loans and leases to core deposits | 79.6605% | 6,410 |
| Total domestic deposits to total assets | 89.8696% | 856 |
| Equity capital to assets | 9.2817% | 4,965 |
| Core capital (leverage) ratio | 9.3056% | 4,237 |
| Tier 1 risk-based capital ratio | 18.5084% | 1,933 |
| Total risk-based capital ratio | 19.0721% | 2,046 |
| Memoranda: | ||
| Average total assets | $58,686,000 | 6,518 |
| Average earning assets | $53,806,000 | 6,509 |
| Average equity | $5,549,000 | 6,930 |
| Average total loans | $34,739,500 | 6,509 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0084% | 5,510 |
| Cost of funding earning assets | 1.8425% | 6,889 |
| Net interest margin | 4.1660% | 2,448 |
| Noninterest income to average assets | 0.9439% | 1,798 |
| Noninterest expense to average assets | 4.1608% | 1,190 |
| Loan and lease loss provision to assets | 0.1051% | 6,030 |
| Net operating income to assets | 0.3607% | 5,310 |
| Return on assets (ROA) | 0.3607% | 5,111 |
| Pretax return on assets | 0.5306% | 4,904 |
| Return on Equity (ROE) | 3.7431% | 4,921 |
| Retained earnings to average equity (ytd only) | 2.8346% | 3,408 |
| Net charge-offs to loans | 0.1476% | 4,733 |
| Credit loss provision to net charge-offs | 120.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | 7.2600% | 3,152 |
| Efficiency ratio | 86.7470% | 1,783 |
| Assets per employee ($millions) | 1.3999% | 8,184 |
| Cash dividends to net income (ytd only)* | 24.2718% | 4,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4720% | 7,884 |
| Loan loss allowance to noncurrent loans | 16.3286% | 7,354 |
| Noncurrent assets plus other real estate owned to assets | 1.8678% | 2,635 |
| Noncurrent loans to loans | 2.8905% | 1,861 |
| Net loans and leases to total assets | 59.1543% | 6,035 |
| Net loans and leases to deposits | 67.0730% | 6,550 |
| Net loans and leases to core deposits | 77.7640% | 6,758 |
| Total domestic deposits to total assets | 88.1939% | 1,388 |
| Equity capital to assets | 9.6369% | 4,501 |
| Core capital (leverage) ratio | 9.7370% | 3,725 |
| Tier 1 risk-based capital ratio | 18.8450% | 1,848 |
| Total risk-based capital ratio | 19.3961% | 1,956 |
| Memoranda: | ||
| Average total assets | $57,103,800 | 6,484 |
| Average earning assets | $52,809,000 | 6,470 |
| Average equity | $5,503,400 | 6,976 |
| Average total loans | $33,867,200 | 6,493 |