Home > Home Savings Bank of Wapakoneta > Performance and Condition Ratios
Home Savings Bank of Wapakoneta, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2588% | 3,508 |
| Cost of funding earning assets | 0.7166% | 3,906 |
| Net interest margin | 3.5422% | 2,089 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 2.9489% | 1,196 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4405% | 3,787 |
| Return on assets (ROA) | 0.3621% | 3,931 |
| Pretax return on assets | 0.4381% | 3,910 |
| Return on Equity (ROE) | 3.0500% | 4,017 |
| Retained earnings to average equity (ytd only) | 3.0509% | 3,260 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.0688% | 659 |
| Assets per employee ($millions) | 5.3084% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 3,856 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.4600% | 705 |
| Net loans and leases to deposits | 92.7183% | 1,042 |
| Net loans and leases to core deposits | 94.8874% | 1,718 |
| Total domestic deposits to total assets | 85.7000% | 2,109 |
| Equity capital to assets | 12.5838% | 969 |
| Core capital (leverage) ratio | 13.7746% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $38,115,400 | 4,410 |
| Average earning assets | $36,982,400 | 4,365 |
| Average equity | $4,523,200 | 4,304 |
| Average total loans | $28,972,000 | 4,154 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 3,460 |
| Cost of funding earning assets | 0.6418% | 3,897 |
| Net interest margin | 3.5603% | 2,087 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 2.7115% | 1,626 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.6395% | 3,456 |
| Return on assets (ROA) | 0.5353% | 3,677 |
| Pretax return on assets | 0.6570% | 3,629 |
| Return on Equity (ROE) | 4.5800% | 3,882 |
| Retained earnings to average equity (ytd only) | 4.5781% | 3,073 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.9990% | 1,090 |
| Assets per employee ($millions) | 5.3764% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 3,876 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 77.7100% | 918 |
| Net loans and leases to deposits | 88.6968% | 1,325 |
| Net loans and leases to core deposits | 92.6004% | 1,760 |
| Total domestic deposits to total assets | 87.6100% | 1,703 |
| Equity capital to assets | 11.9543% | 1,047 |
| Core capital (leverage) ratio | 13.5619% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $38,354,500 | 4,424 |
| Average earning assets | $37,187,000 | 4,383 |
| Average equity | $4,485,000 | 4,315 |
| Average total loans | $28,769,750 | 4,176 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0683% | 3,555 |
| Cost of funding earning assets | 0.5399% | 3,906 |
| Net interest margin | 3.5283% | 2,204 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 2.6481% | 1,800 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6556% | 3,446 |
| Return on assets (ROA) | 0.5027% | 3,812 |
| Pretax return on assets | 0.6167% | 3,768 |
| Return on Equity (ROE) | 4.3300% | 3,978 |
| Retained earnings to average equity (ytd only) | 4.3300% | 3,120 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.1550% | 1,164 |
| Assets per employee ($millions) | 5.4690% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 3,886 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 75.0400% | 1,158 |
| Net loans and leases to deposits | 85.4470% | 1,545 |
| Net loans and leases to core deposits | 89.1015% | 1,861 |
| Total domestic deposits to total assets | 87.8200% | 1,669 |
| Equity capital to assets | 11.8303% | 1,096 |
| Core capital (leverage) ratio | 13.3695% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $38,594,333 | 4,446 |
| Average earning assets | $37,411,333 | 4,406 |
| Average equity | $4,480,333 | 4,341 |
| Average total loans | $28,527,667 | 4,192 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9316% | 3,611 |
| Cost of funding earning assets | 0.4368% | 3,871 |
| Net interest margin | 3.4948% | 2,380 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.7252% | 1,606 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.5834% | 3,723 |
| Return on assets (ROA) | 0.2787% | 4,240 |
| Pretax return on assets | 0.3406% | 4,217 |
| Return on Equity (ROE) | 2.4200% | 4,250 |
| Retained earnings to average equity (ytd only) | 2.4237% | 3,623 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.8060% | 925 |
| Assets per employee ($millions) | 6.3558% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 3,924 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 73.2200% | 1,296 |
| Net loans and leases to deposits | 83.1829% | 1,558 |
| Net loans and leases to core deposits | 85.9588% | 1,866 |
| Total domestic deposits to total assets | 88.0200% | 1,918 |
| Equity capital to assets | 11.7399% | 1,076 |
| Core capital (leverage) ratio | 13.1132% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $38,750,000 | 4,512 |
| Average earning assets | $37,541,500 | 4,471 |
| Average equity | $4,456,000 | 4,405 |
| Average total loans | $28,303,000 | 4,253 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5717% | 2,879 |
| Cost of funding earning assets | 0.2542% | 3,287 |
| Net interest margin | 3.3175% | 2,524 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 2.8932% | 1,133 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.4137% | 4,229 |
| Return on assets (ROA) | 0.4137% | 4,194 |
| Pretax return on assets | 0.3817% | 4,295 |
| Return on Equity (ROE) | 3.7000% | 4,202 |
| Retained earnings to average equity (ytd only) | 3.7022% | 3,495 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.7521% | 365 |
| Assets per employee ($millions) | 6.5600% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8545% | 3,909 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 71.6300% | 1,459 |
| Net loans and leases to deposits | 83.2521% | 1,526 |
| Net loans and leases to core deposits | 84.3202% | 1,860 |
| Total domestic deposits to total assets | 86.0400% | 2,713 |
| Equity capital to assets | 11.2551% | 1,162 |
| Core capital (leverage) ratio | 12.6218% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $40,612,400 | 4,523 |
| Average earning assets | $39,337,000 | 4,485 |
| Average equity | $4,537,800 | 4,482 |
| Average total loans | $29,005,600 | 4,258 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4813% | 2,679 |
| Cost of funding earning assets | 0.2523% | 2,675 |
| Net interest margin | 3.2290% | 2,536 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 2.8050% | 1,244 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.4105% | 4,221 |
| Return on assets (ROA) | 0.4105% | 4,165 |
| Pretax return on assets | 0.3486% | 4,332 |
| Return on Equity (ROE) | 3.6800% | 4,205 |
| Retained earnings to average equity (ytd only) | 3.6803% | 3,559 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.3077% | 376 |
| Assets per employee ($millions) | 6.6367% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7519% | 4,180 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 71.9300% | 1,308 |
| Net loans and leases to deposits | 80.9005% | 1,530 |
| Net loans and leases to core deposits | 81.8858% | 1,770 |
| Total domestic deposits to total assets | 88.9100% | 2,125 |
| Equity capital to assets | 10.8790% | 1,221 |
| Core capital (leverage) ratio | 12.3239% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3164% | 538 |
| Memoranda: | ||
| Average total assets | $40,925,500 | 4,552 |
| Average earning assets | $39,639,750 | 4,515 |
| Average equity | $4,564,750 | 4,517 |
| Average total loans | $29,147,500 | 4,283 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3903% | 2,467 |
| Cost of funding earning assets | 0.2550% | 2,194 |
| Net interest margin | 3.1353% | 2,421 |
| Noninterest income to average assets | 0.0533% | 4,623 |
| Noninterest expense to average assets | 2.8140% | 1,150 |
| Loan and lease loss provision to assets | 0.0242% | 2,160 |
| Net operating income to assets | 0.3778% | 4,151 |
| Return on assets (ROA) | 0.3778% | 4,104 |
| Pretax return on assets | 0.2519% | 4,348 |
| Return on Equity (ROE) | 3.3604% | 4,161 |
| Retained earnings to average equity (ytd only) | 3.3604% | 3,324 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0658% | 365 |
| Assets per employee ($millions) | 6.8342% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7328% | 4,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 70.6963% | 1,235 |
| Net loans and leases to deposits | 79.3719% | 1,431 |
| Net loans and leases to core deposits | 80.3019% | 1,696 |
| Total domestic deposits to total assets | 89.0696% | 2,152 |
| Equity capital to assets | 10.7280% | 1,351 |
| Core capital (leverage) ratio | 11.7097% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,294,000 | 4,596 |
| Average earning assets | $39,996,000 | 4,566 |
| Average equity | $4,642,333 | 4,557 |
| Average total loans | $29,243,667 | 4,332 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2760% | 2,455 |
| Cost of funding earning assets | 0.2589% | 2,056 |
| Net interest margin | 3.0171% | 2,448 |
| Noninterest income to average assets | 0.0676% | 4,613 |
| Noninterest expense to average assets | 2.8862% | 985 |
| Loan and lease loss provision to assets | 0.0193% | 2,009 |
| Net operating income to assets | 0.1062% | 4,462 |
| Return on assets (ROA) | 0.1062% | 4,434 |
| Pretax return on assets | 0.0869% | 4,457 |
| Return on Equity (ROE) | 0.9236% | 4,437 |
| Retained earnings to average equity (ytd only) | 0.9236% | 3,840 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4516% | 320 |
| Assets per employee ($millions) | 6.0360% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 4,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 67.8950% | 1,220 |
| Net loans and leases to deposits | 76.3866% | 1,412 |
| Net loans and leases to core deposits | 77.2506% | 1,676 |
| Total domestic deposits to total assets | 88.8834% | 2,125 |
| Equity capital to assets | 10.9675% | 1,339 |
| Core capital (leverage) ratio | 11.7111% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8371% | 577 |
| Memoranda: | ||
| Average total assets | $41,438,500 | 4,623 |
| Average earning assets | $40,171,500 | 4,590 |
| Average equity | $4,764,000 | 4,583 |
| Average total loans | $29,264,000 | 4,347 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5252% | 2,592 |
| Cost of funding earning assets | 0.2968% | 2,436 |
| Net interest margin | 3.2284% | 2,524 |
| Noninterest income to average assets | 0.0555% | 4,711 |
| Noninterest expense to average assets | 2.7176% | 1,585 |
| Loan and lease loss provision to assets | 0.0252% | 2,559 |
| Net operating income to assets | 0.3810% | 4,306 |
| Return on assets (ROA) | 0.3810% | 4,335 |
| Pretax return on assets | 0.4416% | 4,343 |
| Return on Equity (ROE) | 3.1015% | 4,344 |
| Retained earnings to average equity (ytd only) | 3.1015% | 3,588 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3407% | 497 |
| Assets per employee ($millions) | 5.0781% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7088% | 4,403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 72.4160% | 815 |
| Net loans and leases to deposits | 82.4662% | 1,020 |
| Net loans and leases to core deposits | 83.4440% | 1,362 |
| Total domestic deposits to total assets | 87.8129% | 2,145 |
| Equity capital to assets | 12.0468% | 1,230 |
| Core capital (leverage) ratio | 11.8168% | 1,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,630,400 | 4,668 |
| Average earning assets | $38,409,200 | 4,634 |
| Average equity | $4,868,600 | 4,641 |
| Average total loans | $29,450,600 | 4,386 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5718% | 2,633 |
| Cost of funding earning assets | 0.3041% | 2,555 |
| Net interest margin | 3.2677% | 2,518 |
| Noninterest income to average assets | 0.0542% | 4,795 |
| Noninterest expense to average assets | 2.6408% | 1,724 |
| Loan and lease loss provision to assets | 0.0229% | 2,536 |
| Net operating income to assets | 0.4706% | 4,255 |
| Return on assets (ROA) | 0.4706% | 4,297 |
| Pretax return on assets | 0.5552% | 4,292 |
| Return on Equity (ROE) | 3.8116% | 4,333 |
| Retained earnings to average equity (ytd only) | 3.8116% | 3,633 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0189% | 631 |
| Assets per employee ($millions) | 6.7685% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6877% | 4,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 73.6057% | 722 |
| Net loans and leases to deposits | 83.9309% | 968 |
| Net loans and leases to core deposits | 84.9205% | 1,357 |
| Total domestic deposits to total assets | 87.6979% | 2,010 |
| Equity capital to assets | 12.1199% | 1,347 |
| Core capital (leverage) ratio | 11.8836% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5246% | 641 |
| Memoranda: | ||
| Average total assets | $39,381,750 | 4,738 |
| Average earning assets | $38,149,750 | 4,702 |
| Average equity | $4,862,250 | 4,714 |
| Average total loans | $29,406,000 | 4,446 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6196% | 2,560 |
| Cost of funding earning assets | 0.3180% | 2,612 |
| Net interest margin | 3.3016% | 2,431 |
| Noninterest income to average assets | 0.0513% | 4,839 |
| Noninterest expense to average assets | 2.7404% | 1,479 |
| Loan and lease loss provision to assets | 0.0257% | 2,458 |
| Net operating income to assets | 0.4106% | 4,366 |
| Return on assets (ROA) | 0.4106% | 4,405 |
| Pretax return on assets | 0.4824% | 4,412 |
| Return on Equity (ROE) | 3.3042% | 4,428 |
| Retained earnings to average equity (ytd only) | 3.3042% | 3,740 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3602% | 532 |
| Assets per employee ($millions) | 6.6917% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6954% | 4,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 72.9141% | 861 |
| Net loans and leases to deposits | 83.1534% | 1,118 |
| Net loans and leases to core deposits | 84.1381% | 1,552 |
| Total domestic deposits to total assets | 87.6862% | 1,993 |
| Equity capital to assets | 12.1295% | 1,306 |
| Core capital (leverage) ratio | 12.0089% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,972,000 | 4,773 |
| Average earning assets | $37,739,000 | 4,736 |
| Average equity | $4,842,333 | 4,741 |
| Average total loans | $29,175,000 | 4,482 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7267% | 2,296 |
| Cost of funding earning assets | 0.3339% | 2,673 |
| Net interest margin | 3.3928% | 2,133 |
| Noninterest income to average assets | 0.0625% | 4,815 |
| Noninterest expense to average assets | 2.8450% | 1,271 |
| Loan and lease loss provision to assets | 0.0208% | 2,507 |
| Net operating income to assets | 0.4064% | 4,349 |
| Return on assets (ROA) | 0.4064% | 4,376 |
| Pretax return on assets | 0.4794% | 4,381 |
| Return on Equity (ROE) | 3.2308% | 4,434 |
| Retained earnings to average equity (ytd only) | 3.2308% | 3,711 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0467% | 549 |
| Assets per employee ($millions) | 6.3968% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6828% | 4,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 76.5483% | 583 |
| Net loans and leases to deposits | 87.7224% | 851 |
| Net loans and leases to core deposits | 88.8096% | 1,303 |
| Total domestic deposits to total assets | 87.2619% | 2,198 |
| Equity capital to assets | 12.6104% | 1,034 |
| Core capital (leverage) ratio | 12.4356% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5197% | 623 |
| Memoranda: | ||
| Average total assets | $38,383,000 | 4,801 |
| Average earning assets | $37,137,500 | 4,766 |
| Average equity | $4,828,500 | 4,760 |
| Average total loans | $29,022,500 | 4,510 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 2,873 |
| Cost of funding earning assets | 0.7510% | 1,442 |
| Net interest margin | 3.2020% | 3,360 |
| Noninterest income to average assets | 0.0585% | 4,846 |
| Noninterest expense to average assets | 4.5086% | 254 |
| Loan and lease loss provision to assets | 0.0239% | 4,100 |
| Net operating income to assets | -1.0507% | 4,935 |
| Return on assets (ROA) | -1.0507% | 4,936 |
| Pretax return on assets | -1.3778% | 4,941 |
| Return on Equity (ROE) | -7.9631% | 4,927 |
| Retained earnings to average equity (ytd only) | -7.9631% | 4,886 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.9174% | 41 |
| Assets per employee ($millions) | 6.3975% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7027% | 4,583 |
| Loan loss allowance to noncurrent loans | 312.5000% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 3,437 |
| Noncurrent loans to loans | 0.2249% | 3,397 |
| Net loans and leases to total assets | 73.6303% | 1,072 |
| Net loans and leases to deposits | 84.3193% | 1,422 |
| Net loans and leases to core deposits | 85.3558% | 1,924 |
| Total domestic deposits to total assets | 87.3232% | 1,783 |
| Equity capital to assets | 12.5492% | 1,293 |
| Core capital (leverage) ratio | 11.8998% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,595,200 | 4,797 |
| Average earning assets | $36,352,200 | 4,763 |
| Average equity | $4,960,400 | 4,759 |
| Average total loans | $29,127,000 | 4,536 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 2,922 |
| Cost of funding earning assets | 0.5496% | 2,929 |
| Net interest margin | 3.4671% | 2,698 |
| Noninterest income to average assets | 0.0535% | 4,882 |
| Noninterest expense to average assets | 4.9699% | 191 |
| Loan and lease loss provision to assets | 0.0241% | 4,033 |
| Net operating income to assets | -1.2157% | 4,961 |
| Return on assets (ROA) | -1.2157% | 4,960 |
| Pretax return on assets | -1.5901% | 4,972 |
| Return on Equity (ROE) | -9.0999% | 4,957 |
| Retained earnings to average equity (ytd only) | -9.0999% | 4,917 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.9686% | 43 |
| Assets per employee ($millions) | 6.3688% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6731% | 4,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 76.4583% | 1,040 |
| Net loans and leases to deposits | 93.0448% | 1,001 |
| Net loans and leases to core deposits | 94.2575% | 1,621 |
| Total domestic deposits to total assets | 82.1736% | 3,375 |
| Equity capital to assets | 12.7574% | 1,304 |
| Core capital (leverage) ratio | 12.4407% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0628% | 668 |
| Memoranda: | ||
| Average total assets | $37,397,750 | 4,824 |
| Average earning assets | $36,148,250 | 4,792 |
| Average equity | $4,996,250 | 4,777 |
| Average total loans | $29,293,000 | 4,555 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 2,882 |
| Cost of funding earning assets | 0.5688% | 3,135 |
| Net interest margin | 3.5912% | 2,513 |
| Noninterest income to average assets | 0.0431% | 4,928 |
| Noninterest expense to average assets | 6.0658% | 134 |
| Loan and lease loss provision to assets | 0.0215% | 3,977 |
| Net operating income to assets | -1.9932% | 5,016 |
| Return on assets (ROA) | -1.9932% | 5,015 |
| Pretax return on assets | -2.5750% | 5,022 |
| Return on Equity (ROE) | -14.6923% | 5,014 |
| Retained earnings to average equity (ytd only) | -14.6923% | 4,978 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.6994% | 29 |
| Assets per employee ($millions) | 6.2338% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6658% | 4,644 |
| Loan loss allowance to noncurrent loans | 975.0000% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 4,264 |
| Noncurrent loans to loans | 0.0683% | 4,190 |
| Net loans and leases to total assets | 77.7772% | 879 |
| Net loans and leases to deposits | 95.0624% | 868 |
| Net loans and leases to core deposits | 96.3278% | 1,553 |
| Total domestic deposits to total assets | 81.8170% | 3,420 |
| Equity capital to assets | 12.9535% | 1,187 |
| Core capital (leverage) ratio | 12.5361% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6985% | 809 |
| Memoranda: | ||
| Average total assets | $37,126,000 | 4,850 |
| Average earning assets | $35,865,000 | 4,822 |
| Average equity | $5,036,667 | 4,795 |
| Average total loans | $29,252,333 | 4,577 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2154% | 3,168 |
| Cost of funding earning assets | 0.5942% | 3,468 |
| Net interest margin | 3.6212% | 2,599 |
| Noninterest income to average assets | 0.0541% | 4,966 |
| Noninterest expense to average assets | 3.1038% | 1,629 |
| Loan and lease loss provision to assets | 0.0216% | 3,534 |
| Net operating income to assets | 0.3677% | 4,202 |
| Return on assets (ROA) | 0.3677% | 4,239 |
| Pretax return on assets | 0.4218% | 4,256 |
| Return on Equity (ROE) | 2.6498% | 4,301 |
| Retained earnings to average equity (ytd only) | 2.6498% | 3,209 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5000% | 611 |
| Assets per employee ($millions) | 6.2028% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6596% | 4,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 78.1068% | 966 |
| Net loans and leases to deposits | 98.2991% | 680 |
| Net loans and leases to core deposits | 99.6435% | 1,502 |
| Total domestic deposits to total assets | 79.4583% | 3,963 |
| Equity capital to assets | 13.7357% | 1,146 |
| Core capital (leverage) ratio | 13.8448% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3878% | 709 |
| Memoranda: | ||
| Average total assets | $36,987,500 | 4,892 |
| Average earning assets | $35,678,500 | 4,857 |
| Average equity | $5,132,500 | 4,821 |
| Average total loans | $29,235,500 | 4,611 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 3,640 |
| Cost of funding earning assets | 0.6080% | 3,605 |
| Net interest margin | 3.6536% | 2,953 |
| Noninterest income to average assets | 0.0672% | 4,995 |
| Noninterest expense to average assets | 3.2246% | 1,464 |
| Loan and lease loss provision to assets | 0.0269% | 3,471 |
| Net operating income to assets | 0.2495% | 4,800 |
| Return on assets (ROA) | 0.2474% | 4,824 |
| Pretax return on assets | 0.3362% | 4,782 |
| Return on Equity (ROE) | 1.8203% | 4,814 |
| Retained earnings to average equity (ytd only) | 1.8203% | 4,072 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8127% | 360 |
| Assets per employee ($millions) | 6.1263% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6539% | 4,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 78.9434% | 944 |
| Net loans and leases to deposits | 98.2628% | 737 |
| Net loans and leases to core deposits | 99.6018% | 1,594 |
| Total domestic deposits to total assets | 80.3390% | 3,907 |
| Equity capital to assets | 14.0187% | 1,087 |
| Core capital (leverage) ratio | 13.1215% | 1,190 |
| Tier 1 risk-based capital ratio | 20.4798% | 1,253 |
| Total risk-based capital ratio | 21.2526% | 1,299 |
| Memoranda: | ||
| Average total assets | $37,183,200 | 4,936 |
| Average earning assets | $35,854,800 | 4,896 |
| Average equity | $5,054,200 | 4,874 |
| Average total loans | $28,575,400 | 4,671 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2542% | 3,798 |
| Cost of funding earning assets | 0.5934% | 3,730 |
| Net interest margin | 3.6607% | 3,059 |
| Noninterest income to average assets | 0.0572% | 5,098 |
| Noninterest expense to average assets | 3.1214% | 1,667 |
| Loan and lease loss provision to assets | 0.0250% | 3,395 |
| Net operating income to assets | 0.3096% | 4,826 |
| Return on assets (ROA) | 0.3039% | 4,858 |
| Pretax return on assets | 0.4326% | 4,769 |
| Return on Equity (ROE) | 2.2533% | 4,873 |
| Retained earnings to average equity (ytd only) | 2.2533% | 4,184 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0389% | 449 |
| Assets per employee ($millions) | 6.2120% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6479% | 4,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 77.3476% | 1,255 |
| Net loans and leases to deposits | 91.6399% | 1,483 |
| Net loans and leases to core deposits | 93.7254% | 2,204 |
| Total domestic deposits to total assets | 84.4038% | 2,670 |
| Equity capital to assets | 13.8093% | 1,225 |
| Core capital (leverage) ratio | 13.5005% | 1,131 |
| Tier 1 risk-based capital ratio | 22.9096% | 950 |
| Total risk-based capital ratio | 23.7616% | 975 |
| Memoranda: | ||
| Average total assets | $37,289,500 | 5,010 |
| Average earning assets | $35,948,250 | 4,969 |
| Average equity | $5,029,500 | 4,944 |
| Average total loans | $28,417,000 | 4,740 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 3,833 |
| Cost of funding earning assets | 0.6064% | 3,617 |
| Net interest margin | 3.6275% | 3,171 |
| Noninterest income to average assets | 0.0536% | 5,154 |
| Noninterest expense to average assets | 3.1586% | 1,594 |
| Loan and lease loss provision to assets | 0.0268% | 3,286 |
| Net operating income to assets | 0.2123% | 4,980 |
| Return on assets (ROA) | 0.2038% | 4,999 |
| Pretax return on assets | 0.3539% | 4,883 |
| Return on Equity (ROE) | 1.5229% | 5,000 |
| Retained earnings to average equity (ytd only) | 1.5229% | 4,280 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9728% | 391 |
| Assets per employee ($millions) | 6.2378% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6675% | 4,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 73.9520% | 1,902 |
| Net loans and leases to deposits | 87.1913% | 2,105 |
| Net loans and leases to core deposits | 89.1458% | 2,672 |
| Total domestic deposits to total assets | 84.8158% | 2,557 |
| Equity capital to assets | 13.5303% | 1,305 |
| Core capital (leverage) ratio | 13.5125% | 1,108 |
| Tier 1 risk-based capital ratio | 23.1873% | 931 |
| Total risk-based capital ratio | 24.0485% | 939 |
| Memoranda: | ||
| Average total assets | $37,295,330 | 5,048 |
| Average earning assets | $35,948,000 | 5,007 |
| Average equity | $4,990,330 | 4,984 |
| Average total loans | $28,217,000 | 4,780 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 3,608 |
| Cost of funding earning assets | 0.5912% | 3,623 |
| Net interest margin | 3.6919% | 2,924 |
| Noninterest income to average assets | 0.0537% | 5,203 |
| Noninterest expense to average assets | 3.2018% | 1,487 |
| Loan and lease loss provision to assets | 0.0215% | 3,161 |
| Net operating income to assets | 0.3071% | 4,890 |
| Return on assets (ROA) | 0.2901% | 4,917 |
| Pretax return on assets | 0.3653% | 4,881 |
| Return on Equity (ROE) | 2.1803% | 4,940 |
| Retained earnings to average equity (ytd only) | 2.1803% | 4,018 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6905% | 451 |
| Assets per employee ($millions) | 6.1228% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6427% | 4,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 77.0123% | 1,314 |
| Net loans and leases to deposits | 90.7144% | 1,540 |
| Net loans and leases to core deposits | 92.7789% | 2,233 |
| Total domestic deposits to total assets | 84.8953% | 2,720 |
| Equity capital to assets | 13.5966% | 1,178 |
| Core capital (leverage) ratio | 13.3806% | 1,125 |
| Tier 1 risk-based capital ratio | 22.9168% | 944 |
| Total risk-based capital ratio | 23.7560% | 965 |
| Memoranda: | ||
| Average total assets | $37,229,500 | 5,102 |
| Average earning assets | $35,862,000 | 5,063 |
| Average equity | $4,953,500 | 5,033 |
| Average total loans | $28,393,500 | 4,828 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 3,681 |
| Cost of funding earning assets | 0.3972% | 3,998 |
| Net interest margin | 3.7224% | 2,955 |
| Noninterest income to average assets | 0.0518% | 5,269 |
| Noninterest expense to average assets | 3.0773% | 1,858 |
| Loan and lease loss provision to assets | 0.0233% | 3,707 |
| Net operating income to assets | 0.5435% | 4,557 |
| Return on assets (ROA) | 0.5332% | 4,584 |
| Pretax return on assets | 0.5306% | 4,756 |
| Return on Equity (ROE) | 4.2684% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.2684% | 3,201 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5060% | 617 |
| Assets per employee ($millions) | 6.2870% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6393% | 4,907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 74.5745% | 1,827 |
| Net loans and leases to deposits | 87.2793% | 2,136 |
| Net loans and leases to core deposits | 89.1887% | 2,631 |
| Total domestic deposits to total assets | 85.4435% | 2,455 |
| Equity capital to assets | 13.0216% | 1,335 |
| Core capital (leverage) ratio | 13.0347% | 1,236 |
| Tier 1 risk-based capital ratio | 20.4401% | 1,238 |
| Total risk-based capital ratio | 21.1845% | 1,291 |
| Memoranda: | ||
| Average total assets | $38,637,600 | 5,120 |
| Average earning assets | $37,260,600 | 5,086 |
| Average equity | $4,826,200 | 5,073 |
| Average total loans | $28,608,600 | 4,855 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 3,657 |
| Cost of funding earning assets | 0.3912% | 3,924 |
| Net interest margin | 3.7020% | 3,014 |
| Noninterest income to average assets | 0.0480% | 5,345 |
| Noninterest expense to average assets | 2.9125% | 2,270 |
| Loan and lease loss provision to assets | 0.0240% | 3,539 |
| Net operating income to assets | 0.6930% | 4,246 |
| Return on assets (ROA) | 0.6792% | 4,307 |
| Pretax return on assets | 0.6689% | 4,609 |
| Return on Equity (ROE) | 5.4944% | 4,420 |
| Retained earnings to average equity (ytd only) | 5.4944% | 2,956 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4739% | 905 |
| Assets per employee ($millions) | 6.3687% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6308% | 4,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 73.7883% | 2,019 |
| Net loans and leases to deposits | 86.3636% | 2,334 |
| Net loans and leases to core deposits | 88.2173% | 2,835 |
| Total domestic deposits to total assets | 85.4391% | 2,434 |
| Equity capital to assets | 12.7368% | 1,443 |
| Core capital (leverage) ratio | 12.9000% | 1,325 |
| Tier 1 risk-based capital ratio | 22.8689% | 951 |
| Total risk-based capital ratio | 23.6937% | 974 |
| Memoranda: | ||
| Average total assets | $38,866,500 | 5,178 |
| Average earning assets | $37,492,250 | 5,147 |
| Average equity | $4,804,750 | 5,139 |
| Average total loans | $28,682,750 | 4,904 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 3,637 |
| Cost of funding earning assets | 0.3768% | 3,900 |
| Net interest margin | 3.6667% | 3,059 |
| Noninterest income to average assets | 0.0461% | 5,411 |
| Noninterest expense to average assets | 2.9270% | 2,265 |
| Loan and lease loss provision to assets | 0.0205% | 3,495 |
| Net operating income to assets | 0.7113% | 4,165 |
| Return on assets (ROA) | 0.7113% | 4,169 |
| Pretax return on assets | 0.6345% | 4,677 |
| Return on Equity (ROE) | 5.8110% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.8110% | 2,659 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7143% | 856 |
| Assets per employee ($millions) | 5.4963% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6165% | 5,071 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 73.7433% | 1,991 |
| Net loans and leases to deposits | 86.1664% | 2,291 |
| Net loans and leases to core deposits | 87.9888% | 2,720 |
| Total domestic deposits to total assets | 85.5825% | 2,464 |
| Equity capital to assets | 12.5487% | 1,512 |
| Core capital (leverage) ratio | 12.6585% | 1,362 |
| Tier 1 risk-based capital ratio | 21.0431% | 1,167 |
| Total risk-based capital ratio | 21.7987% | 1,211 |
| Memoranda: | ||
| Average total assets | $39,084,670 | 5,231 |
| Average earning assets | $37,690,670 | 5,204 |
| Average equity | $4,784,000 | 5,193 |
| Average total loans | $28,785,330 | 4,954 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 3,282 |
| Cost of funding earning assets | 0.3686% | 3,843 |
| Net interest margin | 3.7177% | 2,734 |
| Noninterest income to average assets | 0.0508% | 5,473 |
| Noninterest expense to average assets | 3.0363% | 1,981 |
| Loan and lease loss provision to assets | 0.0203% | 3,266 |
| Net operating income to assets | 0.4976% | 4,701 |
| Return on assets (ROA) | 0.4976% | 4,707 |
| Pretax return on assets | 0.5788% | 4,736 |
| Return on Equity (ROE) | 4.1159% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.1159% | 3,552 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5196% | 832 |
| Assets per employee ($millions) | 6.4910% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6031% | 5,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 73.6276% | 1,921 |
| Net loans and leases to deposits | 85.7019% | 2,201 |
| Net loans and leases to core deposits | 87.7932% | 2,646 |
| Total domestic deposits to total assets | 85.9113% | 2,586 |
| Equity capital to assets | 12.1887% | 1,667 |
| Core capital (leverage) ratio | 12.2699% | 1,491 |
| Tier 1 risk-based capital ratio | 21.7066% | 1,100 |
| Total risk-based capital ratio | 22.4913% | 1,139 |
| Memoranda: | ||
| Average total assets | $39,390,000 | 5,284 |
| Average earning assets | $37,980,000 | 5,257 |
| Average equity | $4,762,000 | 5,255 |
| Average total loans | $28,904,000 | 4,996 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 3,575 |
| Cost of funding earning assets | 0.3987% | 3,267 |
| Net interest margin | 3.5499% | 3,341 |
| Noninterest income to average assets | 0.0607% | 5,507 |
| Noninterest expense to average assets | 3.1106% | 1,830 |
| Loan and lease loss provision to assets | 0.0264% | 3,766 |
| Net operating income to assets | 0.4066% | 4,670 |
| Return on assets (ROA) | 0.4674% | 4,499 |
| Pretax return on assets | 0.4172% | 5,065 |
| Return on Equity (ROE) | 3.7648% | 4,577 |
| Retained earnings to average equity (ytd only) | 3.7648% | 2,966 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0401% | 472 |
| Assets per employee ($millions) | 6.6390% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5939% | 5,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 72.2674% | 2,186 |
| Net loans and leases to deposits | 84.0914% | 2,480 |
| Net loans and leases to core deposits | 86.0881% | 2,903 |
| Total domestic deposits to total assets | 85.9391% | 2,467 |
| Equity capital to assets | 11.9923% | 1,843 |
| Core capital (leverage) ratio | 12.4344% | 1,386 |
| Tier 1 risk-based capital ratio | 21.4045% | 1,078 |
| Total risk-based capital ratio | 22.1773% | 1,137 |
| Memoranda: | ||
| Average total assets | $37,870,800 | 5,364 |
| Average earning assets | $36,620,600 | 5,325 |
| Average equity | $4,701,400 | 5,318 |
| Average total loans | $28,709,400 | 5,054 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0008% | 3,355 |
| Cost of funding earning assets | 0.4056% | 3,131 |
| Net interest margin | 3.5952% | 3,172 |
| Noninterest income to average assets | 0.0535% | 5,601 |
| Noninterest expense to average assets | 3.0960% | 1,810 |
| Loan and lease loss provision to assets | 0.0250% | 3,638 |
| Net operating income to assets | 0.3385% | 5,139 |
| Return on assets (ROA) | 0.4066% | 5,019 |
| Pretax return on assets | 0.4922% | 5,045 |
| Return on Equity (ROE) | 3.2461% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.2461% | 3,992 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6768% | 526 |
| Assets per employee ($millions) | 5.4759% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5853% | 5,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 74.8872% | 1,776 |
| Net loans and leases to deposits | 88.1468% | 2,038 |
| Net loans and leases to core deposits | 90.3412% | 2,576 |
| Total domestic deposits to total assets | 84.9573% | 2,729 |
| Equity capital to assets | 12.3712% | 1,734 |
| Core capital (leverage) ratio | 12.4675% | 1,427 |
| Tier 1 risk-based capital ratio | 23.6991% | 878 |
| Total risk-based capital ratio | 24.5512% | 905 |
| Memoranda: | ||
| Average total assets | $37,380,000 | 5,433 |
| Average earning assets | $36,158,750 | 5,386 |
| Average equity | $4,682,500 | 5,380 |
| Average total loans | $28,647,000 | 5,108 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,291 |
| Cost of funding earning assets | 0.4129% | 2,953 |
| Net interest margin | 3.5657% | 3,160 |
| Noninterest income to average assets | 0.0594% | 5,624 |
| Noninterest expense to average assets | 2.9140% | 2,378 |
| Loan and lease loss provision to assets | 0.0216% | 3,556 |
| Net operating income to assets | 0.4698% | 4,792 |
| Return on assets (ROA) | 0.5450% | 4,584 |
| Pretax return on assets | 0.6637% | 4,651 |
| Return on Equity (ROE) | 4.3323% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.3323% | 3,127 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0769% | 913 |
| Assets per employee ($millions) | 5.3721% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5804% | 5,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 75.6096% | 1,594 |
| Net loans and leases to deposits | 89.4654% | 1,806 |
| Net loans and leases to core deposits | 91.7371% | 2,361 |
| Total domestic deposits to total assets | 84.5127% | 3,003 |
| Equity capital to assets | 12.6074% | 1,568 |
| Core capital (leverage) ratio | 12.4990% | 1,367 |
| Tier 1 risk-based capital ratio | 24.4154% | 814 |
| Total risk-based capital ratio | 25.2799% | 825 |
| Memoranda: | ||
| Average total assets | $37,063,000 | 5,480 |
| Average earning assets | $35,841,670 | 5,435 |
| Average equity | $4,662,670 | 5,422 |
| Average total loans | $28,571,330 | 5,153 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9794% | 3,117 |
| Cost of funding earning assets | 0.4047% | 2,950 |
| Net interest margin | 3.5747% | 2,984 |
| Noninterest income to average assets | 0.0544% | 5,720 |
| Noninterest expense to average assets | 2.9680% | 2,251 |
| Loan and lease loss provision to assets | 0.0217% | 3,296 |
| Net operating income to assets | 0.4247% | 4,874 |
| Return on assets (ROA) | 0.5762% | 4,298 |
| Pretax return on assets | 0.7067% | 4,433 |
| Return on Equity (ROE) | 4.5853% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.5853% | 3,132 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5201% | 927 |
| Assets per employee ($millions) | 5.3363% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5729% | 5,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 76.2007% | 1,386 |
| Net loans and leases to deposits | 89.9592% | 1,536 |
| Net loans and leases to core deposits | 92.2419% | 2,139 |
| Total domestic deposits to total assets | 84.7058% | 3,214 |
| Equity capital to assets | 12.4297% | 1,581 |
| Core capital (leverage) ratio | 12.5970% | 1,289 |
| Tier 1 risk-based capital ratio | 23.8784% | 884 |
| Total risk-based capital ratio | 24.7222% | 910 |
| Memoranda: | ||
| Average total assets | $36,792,000 | 5,550 |
| Average earning assets | $35,583,500 | 5,501 |
| Average equity | $4,623,500 | 5,485 |
| Average total loans | $28,557,500 | 5,203 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 2,712 |
| Cost of funding earning assets | 0.4147% | 2,863 |
| Net interest margin | 3.7205% | 2,608 |
| Noninterest income to average assets | 0.0747% | 5,712 |
| Noninterest expense to average assets | 3.0389% | 2,223 |
| Loan and lease loss provision to assets | 0.0277% | 3,803 |
| Net operating income to assets | 0.5042% | 4,615 |
| Return on assets (ROA) | 0.5065% | 4,681 |
| Pretax return on assets | 0.6117% | 4,752 |
| Return on Equity (ROE) | 3.9958% | 4,835 |
| Retained earnings to average equity (ytd only) | 3.9958% | 3,076 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6807% | 1,124 |
| Assets per employee ($millions) | 5.1757% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5687% | 5,578 |
| Loan loss allowance to noncurrent loans | 205.0633% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 4,436 |
| Noncurrent loans to loans | 0.2773% | 4,166 |
| Net loans and leases to total assets | 78.1811% | 1,177 |
| Net loans and leases to deposits | 92.8597% | 1,318 |
| Net loans and leases to core deposits | 95.2966% | 1,980 |
| Total domestic deposits to total assets | 84.1927% | 3,350 |
| Equity capital to assets | 12.7077% | 1,395 |
| Core capital (leverage) ratio | 12.6419% | 1,279 |
| Tier 1 risk-based capital ratio | 23.3566% | 932 |
| Total risk-based capital ratio | 24.1815% | 957 |
| Memoranda: | ||
| Average total assets | $36,131,200 | 5,616 |
| Average earning assets | $34,968,200 | 5,569 |
| Average equity | $4,579,800 | 5,544 |
| Average total loans | $28,091,400 | 5,265 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 2,754 |
| Cost of funding earning assets | 0.4158% | 2,878 |
| Net interest margin | 3.7159% | 2,657 |
| Noninterest income to average assets | 0.0665% | 5,795 |
| Noninterest expense to average assets | 3.0908% | 2,051 |
| Loan and lease loss provision to assets | 0.0258% | 3,725 |
| Net operating income to assets | 0.4548% | 4,857 |
| Return on assets (ROA) | 0.4579% | 4,925 |
| Pretax return on assets | 0.5502% | 5,002 |
| Return on Equity (ROE) | 3.6148% | 5,048 |
| Retained earnings to average equity (ytd only) | 3.6148% | 3,721 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3750% | 959 |
| Assets per employee ($millions) | 5.1203% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5684% | 5,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.6017% | 1,266 |
| Net loans and leases to deposits | 91.7439% | 1,528 |
| Net loans and leases to core deposits | 94.1539% | 2,187 |
| Total domestic deposits to total assets | 84.5851% | 2,994 |
| Equity capital to assets | 12.9373% | 1,519 |
| Core capital (leverage) ratio | 12.7049% | 1,307 |
| Tier 1 risk-based capital ratio | 22.8348% | 1,025 |
| Total risk-based capital ratio | 23.6368% | 1,061 |
| Memoranda: | ||
| Average total assets | $36,106,500 | 5,672 |
| Average earning assets | $34,947,750 | 5,625 |
| Average equity | $4,573,750 | 5,601 |
| Average total loans | $27,992,500 | 5,319 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1204% | 2,782 |
| Cost of funding earning assets | 0.4166% | 2,870 |
| Net interest margin | 3.7038% | 2,685 |
| Noninterest income to average assets | 0.0553% | 5,906 |
| Noninterest expense to average assets | 2.7849% | 3,072 |
| Loan and lease loss provision to assets | 0.0276% | 3,572 |
| Net operating income to assets | 0.6797% | 3,897 |
| Return on assets (ROA) | 0.6797% | 4,040 |
| Pretax return on assets | 0.8289% | 4,194 |
| Return on Equity (ROE) | 5.4034% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.4034% | 2,485 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4795% | 2,013 |
| Assets per employee ($millions) | 5.1024% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5669% | 5,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 77.0977% | 1,318 |
| Net loans and leases to deposits | 89.8375% | 1,773 |
| Net loans and leases to core deposits | 92.1617% | 2,334 |
| Total domestic deposits to total assets | 85.8191% | 2,510 |
| Equity capital to assets | 12.9798% | 1,513 |
| Core capital (leverage) ratio | 12.4676% | 1,370 |
| Tier 1 risk-based capital ratio | 22.0851% | 1,126 |
| Total risk-based capital ratio | 22.8510% | 1,169 |
| Memoranda: | ||
| Average total assets | $36,194,670 | 5,736 |
| Average earning assets | $35,045,000 | 5,692 |
| Average equity | $4,552,670 | 5,663 |
| Average total loans | $27,999,000 | 5,371 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 2,760 |
| Cost of funding earning assets | 0.4191% | 2,866 |
| Net interest margin | 3.7042% | 2,653 |
| Noninterest income to average assets | 0.0769% | 5,885 |
| Noninterest expense to average assets | 2.9423% | 2,563 |
| Loan and lease loss provision to assets | 0.0220% | 3,398 |
| Net operating income to assets | 0.5709% | 4,313 |
| Return on assets (ROA) | 0.5709% | 4,427 |
| Pretax return on assets | 0.7027% | 4,519 |
| Return on Equity (ROE) | 4.6110% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.6110% | 3,168 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2395% | 1,576 |
| Assets per employee ($millions) | 5.1463% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5480% | 5,820 |
| Loan loss allowance to noncurrent loans | 210.9589% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 4,747 |
| Noncurrent loans to loans | 0.2598% | 4,505 |
| Net loans and leases to total assets | 77.5844% | 1,154 |
| Net loans and leases to deposits | 94.5245% | 1,091 |
| Net loans and leases to core deposits | 97.0519% | 1,704 |
| Total domestic deposits to total assets | 82.0786% | 4,202 |
| Equity capital to assets | 12.6221% | 1,608 |
| Core capital (leverage) ratio | 12.3152% | 1,424 |
| Tier 1 risk-based capital ratio | 21.9421% | 1,169 |
| Total risk-based capital ratio | 22.7004% | 1,219 |
| Memoranda: | ||
| Average total assets | $36,433,500 | 5,790 |
| Average earning assets | $35,311,500 | 5,737 |
| Average equity | $4,511,000 | 5,716 |
| Average total loans | $28,151,500 | 5,409 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 3,235 |
| Cost of funding earning assets | 0.4792% | 2,358 |
| Net interest margin | 3.5407% | 3,371 |
| Noninterest income to average assets | 0.0655% | 5,964 |
| Noninterest expense to average assets | 3.0067% | 2,521 |
| Loan and lease loss provision to assets | 0.0273% | 3,833 |
| Net operating income to assets | 0.3715% | 5,135 |
| Return on assets (ROA) | 0.4069% | 5,114 |
| Pretax return on assets | 0.5052% | 5,101 |
| Return on Equity (ROE) | 3.3779% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.3779% | 3,649 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0156% | 989 |
| Assets per employee ($millions) | 5.2633% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5390% | 5,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 76.1284% | 1,401 |
| Net loans and leases to deposits | 92.1722% | 1,383 |
| Net loans and leases to core deposits | 96.2262% | 1,824 |
| Total domestic deposits to total assets | 82.5937% | 3,978 |
| Equity capital to assets | 12.1461% | 1,849 |
| Core capital (leverage) ratio | 12.0893% | 1,569 |
| Tier 1 risk-based capital ratio | 23.1351% | 1,001 |
| Total risk-based capital ratio | 23.9336% | 1,044 |
| Memoranda: | ||
| Average total assets | $36,618,800 | 5,836 |
| Average earning assets | $35,472,800 | 5,776 |
| Average equity | $4,411,000 | 5,780 |
| Average total loans | $26,930,600 | 5,486 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0107% | 3,297 |
| Cost of funding earning assets | 0.4896% | 2,321 |
| Net interest margin | 3.5212% | 3,460 |
| Noninterest income to average assets | 0.0620% | 6,065 |
| Noninterest expense to average assets | 3.1361% | 2,125 |
| Loan and lease loss provision to assets | 0.0255% | 3,756 |
| Net operating income to assets | 0.2494% | 5,578 |
| Return on assets (ROA) | 0.2990% | 5,536 |
| Pretax return on assets | 0.3720% | 5,521 |
| Return on Equity (ROE) | 2.4876% | 5,559 |
| Retained earnings to average equity (ytd only) | 2.4876% | 4,633 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3361% | 680 |
| Assets per employee ($millions) | 4.5234% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5469% | 5,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 74.8777% | 1,570 |
| Net loans and leases to deposits | 86.4527% | 2,095 |
| Net loans and leases to core deposits | 90.1307% | 2,452 |
| Total domestic deposits to total assets | 86.6112% | 2,234 |
| Equity capital to assets | 12.1397% | 2,007 |
| Core capital (leverage) ratio | 11.9278% | 1,716 |
| Tier 1 risk-based capital ratio | 23.8294% | 963 |
| Total risk-based capital ratio | 24.6483% | 999 |
| Memoranda: | ||
| Average total assets | $36,562,750 | 5,915 |
| Average earning assets | $35,404,000 | 5,853 |
| Average equity | $4,395,000 | 5,861 |
| Average total loans | $26,613,250 | 5,561 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 3,344 |
| Cost of funding earning assets | 0.5069% | 2,190 |
| Net interest margin | 3.4804% | 3,578 |
| Noninterest income to average assets | 0.0654% | 6,128 |
| Noninterest expense to average assets | 2.5676% | 4,014 |
| Loan and lease loss provision to assets | 0.0273% | 3,590 |
| Net operating income to assets | 0.6760% | 3,997 |
| Return on assets (ROA) | 0.6760% | 4,111 |
| Pretax return on assets | 0.8395% | 4,166 |
| Return on Equity (ROE) | 5.6419% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.6419% | 2,439 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7619% | 2,568 |
| Assets per employee ($millions) | 5.2184% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5573% | 6,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 71.8060% | 2,019 |
| Net loans and leases to deposits | 83.0799% | 2,429 |
| Net loans and leases to core deposits | 86.5762% | 2,700 |
| Total domestic deposits to total assets | 86.4300% | 2,473 |
| Equity capital to assets | 12.1684% | 1,902 |
| Core capital (leverage) ratio | 11.9061% | 1,710 |
| Tier 1 risk-based capital ratio | 26.7489% | 726 |
| Total risk-based capital ratio | 27.6471% | 734 |
| Memoranda: | ||
| Average total assets | $36,688,000 | 5,981 |
| Average earning assets | $35,513,000 | 5,916 |
| Average equity | $4,395,670 | 5,920 |
| Average total loans | $26,402,670 | 5,616 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9055% | 3,582 |
| Cost of funding earning assets | 0.4952% | 2,336 |
| Net interest margin | 3.4102% | 3,805 |
| Noninterest income to average assets | 0.0870% | 6,133 |
| Noninterest expense to average assets | 2.7198% | 3,520 |
| Loan and lease loss provision to assets | 0.0326% | 3,236 |
| Net operating income to assets | 0.4896% | 4,737 |
| Return on assets (ROA) | 0.4896% | 4,855 |
| Pretax return on assets | 0.6310% | 4,832 |
| Return on Equity (ROE) | 4.1181% | 4,938 |
| Retained earnings to average equity (ytd only) | 4.1181% | 3,536 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3859% | 1,849 |
| Assets per employee ($millions) | 6.1003% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5478% | 6,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 71.9168% | 1,816 |
| Net loans and leases to deposits | 83.0929% | 2,198 |
| Net loans and leases to core deposits | 86.5689% | 2,488 |
| Total domestic deposits to total assets | 86.5499% | 2,635 |
| Equity capital to assets | 12.0212% | 2,013 |
| Core capital (leverage) ratio | 11.7112% | 1,845 |
| Tier 1 risk-based capital ratio | 18.7111% | 1,939 |
| Total risk-based capital ratio | 19.3421% | 2,060 |
| Memoranda: | ||
| Average total assets | $36,767,500 | 6,034 |
| Average earning assets | $35,540,000 | 5,975 |
| Average equity | $4,371,000 | 5,980 |
| Average total loans | $26,415,500 | 5,659 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 3,849 |
| Cost of funding earning assets | 0.5434% | 2,261 |
| Net interest margin | 3.4235% | 4,093 |
| Noninterest income to average assets | 0.0707% | 6,237 |
| Noninterest expense to average assets | 2.8723% | 3,229 |
| Loan and lease loss provision to assets | 0.0245% | 4,117 |
| Net operating income to assets | 0.3998% | 5,227 |
| Return on assets (ROA) | 0.3998% | 5,290 |
| Pretax return on assets | 0.4814% | 5,294 |
| Return on Equity (ROE) | 3.4955% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.4955% | 3,726 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0242% | 1,278 |
| Assets per employee ($millions) | 6.1555% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5386% | 6,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 70.9961% | 2,077 |
| Net loans and leases to deposits | 81.8843% | 2,487 |
| Net loans and leases to core deposits | 85.9564% | 2,692 |
| Total domestic deposits to total assets | 86.7029% | 2,449 |
| Equity capital to assets | 11.7564% | 2,205 |
| Core capital (leverage) ratio | 11.5209% | 1,963 |
| Tier 1 risk-based capital ratio | 23.5486% | 1,000 |
| Total risk-based capital ratio | 24.3345% | 1,051 |
| Memoranda: | ||
| Average total assets | $36,764,600 | 6,109 |
| Average earning assets | $35,519,400 | 6,047 |
| Average equity | $4,205,400 | 6,050 |
| Average total loans | $25,675,600 | 5,749 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9801% | 3,833 |
| Cost of funding earning assets | 0.5525% | 2,270 |
| Net interest margin | 3.4276% | 4,115 |
| Noninterest income to average assets | 0.0617% | 6,354 |
| Noninterest expense to average assets | 3.0535% | 2,622 |
| Loan and lease loss provision to assets | 0.0254% | 3,900 |
| Net operating income to assets | 0.2396% | 5,754 |
| Return on assets (ROA) | 0.2396% | 5,813 |
| Pretax return on assets | 0.2941% | 5,788 |
| Return on Equity (ROE) | 2.1097% | 5,813 |
| Retained earnings to average equity (ytd only) | 2.1097% | 4,999 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5274% | 806 |
| Assets per employee ($millions) | 6.1050% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5408% | 6,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 70.2894% | 2,149 |
| Net loans and leases to deposits | 80.8815% | 2,567 |
| Net loans and leases to core deposits | 84.9203% | 2,786 |
| Total domestic deposits to total assets | 86.9042% | 2,372 |
| Equity capital to assets | 11.5452% | 2,435 |
| Core capital (leverage) ratio | 11.3950% | 2,138 |
| Tier 1 risk-based capital ratio | 23.2405% | 1,088 |
| Total risk-based capital ratio | 24.0200% | 1,124 |
| Memoranda: | ||
| Average total assets | $36,722,500 | 6,183 |
| Average earning assets | $35,475,500 | 6,125 |
| Average equity | $4,171,250 | 6,121 |
| Average total loans | $25,503,750 | 5,817 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9532% | 3,920 |
| Cost of funding earning assets | 0.5631% | 2,231 |
| Net interest margin | 3.3901% | 4,219 |
| Noninterest income to average assets | 0.0599% | 6,414 |
| Noninterest expense to average assets | 2.5358% | 4,471 |
| Loan and lease loss provision to assets | 0.0272% | 3,727 |
| Net operating income to assets | 0.6584% | 4,053 |
| Return on assets (ROA) | 0.6584% | 4,150 |
| Pretax return on assets | 0.7727% | 4,375 |
| Return on Equity (ROE) | 5.8285% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.8285% | 2,431 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0196% | 2,626 |
| Assets per employee ($millions) | 6.1370% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5406% | 6,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 68.9506% | 2,247 |
| Net loans and leases to deposits | 79.5420% | 2,580 |
| Net loans and leases to core deposits | 82.8109% | 2,880 |
| Total domestic deposits to total assets | 86.6846% | 2,643 |
| Equity capital to assets | 11.6289% | 2,297 |
| Core capital (leverage) ratio | 11.4850% | 2,014 |
| Tier 1 risk-based capital ratio | 23.8052% | 1,011 |
| Total risk-based capital ratio | 24.5820% | 1,053 |
| Memoranda: | ||
| Average total assets | $36,753,330 | 6,243 |
| Average earning assets | $35,515,330 | 6,185 |
| Average equity | $4,152,000 | 6,162 |
| Average total loans | $25,376,000 | 5,862 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 3,980 |
| Cost of funding earning assets | 0.5868% | 2,102 |
| Net interest margin | 3.3404% | 4,371 |
| Noninterest income to average assets | 0.0763% | 6,408 |
| Noninterest expense to average assets | 2.7016% | 3,928 |
| Loan and lease loss provision to assets | 0.0218% | 3,546 |
| Net operating income to assets | 0.4902% | 4,739 |
| Return on assets (ROA) | 0.4902% | 4,818 |
| Pretax return on assets | 0.5774% | 4,907 |
| Return on Equity (ROE) | 4.4042% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.4042% | 3,483 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8482% | 1,947 |
| Assets per employee ($millions) | 6.1615% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5345% | 6,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 67.9596% | 2,229 |
| Net loans and leases to deposits | 77.9063% | 2,569 |
| Net loans and leases to core deposits | 80.2658% | 2,938 |
| Total domestic deposits to total assets | 87.2325% | 2,676 |
| Equity capital to assets | 11.1823% | 2,542 |
| Core capital (leverage) ratio | 11.2337% | 2,189 |
| Tier 1 risk-based capital ratio | 23.5698% | 1,064 |
| Total risk-based capital ratio | 24.3360% | 1,121 |
| Memoranda: | ||
| Average total assets | $36,719,000 | 6,307 |
| Average earning assets | $35,445,000 | 6,241 |
| Average equity | $4,087,000 | 6,227 |
| Average total loans | $25,300,500 | 5,923 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 4,822 |
| Cost of funding earning assets | 0.7342% | 1,602 |
| Net interest margin | 3.0648% | 5,419 |
| Noninterest income to average assets | 0.0725% | 6,479 |
| Noninterest expense to average assets | 2.5406% | 4,641 |
| Loan and lease loss provision to assets | 0.0242% | 4,642 |
| Net operating income to assets | 0.5586% | 4,459 |
| Return on assets (ROA) | 0.5586% | 4,583 |
| Pretax return on assets | 0.4673% | 5,305 |
| Return on Equity (ROE) | 5.2478% | 4,519 |
| Retained earnings to average equity (ytd only) | 5.2478% | 2,450 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7910% | 1,650 |
| Assets per employee ($millions) | 6.0782% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5248% | 6,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 69.1245% | 2,155 |
| Net loans and leases to deposits | 79.5036% | 2,521 |
| Net loans and leases to core deposits | 81.9538% | 2,901 |
| Total domestic deposits to total assets | 86.9451% | 2,753 |
| Equity capital to assets | 11.0779% | 2,544 |
| Core capital (leverage) ratio | 11.2644% | 2,146 |
| Tier 1 risk-based capital ratio | 23.2498% | 1,061 |
| Total risk-based capital ratio | 24.0025% | 1,114 |
| Memoranda: | ||
| Average total assets | $37,235,600 | 6,357 |
| Average earning assets | $35,956,600 | 6,288 |
| Average equity | $3,963,600 | 6,338 |
| Average total loans | $24,532,800 | 6,008 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7539% | 5,020 |
| Cost of funding earning assets | 0.7560% | 1,562 |
| Net interest margin | 2.9980% | 5,603 |
| Noninterest income to average assets | 0.0784% | 6,546 |
| Noninterest expense to average assets | 2.6290% | 4,282 |
| Loan and lease loss provision to assets | 0.0214% | 4,575 |
| Net operating income to assets | 0.2458% | 5,790 |
| Return on assets (ROA) | 0.2458% | 5,879 |
| Pretax return on assets | 0.3242% | 5,813 |
| Return on Equity (ROE) | 2.3324% | 5,843 |
| Retained earnings to average equity (ytd only) | 2.3324% | 4,933 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3832% | 1,128 |
| Assets per employee ($millions) | 6.1707% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5197% | 6,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 67.2132% | 2,427 |
| Net loans and leases to deposits | 77.0362% | 2,813 |
| Net loans and leases to core deposits | 79.3628% | 3,194 |
| Total domestic deposits to total assets | 87.2488% | 2,538 |
| Equity capital to assets | 10.5391% | 3,230 |
| Core capital (leverage) ratio | 10.7228% | 2,762 |
| Tier 1 risk-based capital ratio | 22.2721% | 1,268 |
| Total risk-based capital ratio | 23.0014% | 1,335 |
| Memoranda: | ||
| Average total assets | $37,427,250 | 6,421 |
| Average earning assets | $36,157,000 | 6,350 |
| Average equity | $3,944,500 | 6,416 |
| Average total loans | $24,330,500 | 6,073 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6833% | 5,199 |
| Cost of funding earning assets | 0.7818% | 1,514 |
| Net interest margin | 2.9015% | 5,800 |
| Noninterest income to average assets | 0.0799% | 6,590 |
| Noninterest expense to average assets | 2.5931% | 4,414 |
| Loan and lease loss provision to assets | 0.0213% | 4,473 |
| Net operating income to assets | 0.1970% | 5,900 |
| Return on assets (ROA) | 0.1970% | 6,025 |
| Pretax return on assets | 0.2716% | 5,949 |
| Return on Equity (ROE) | 1.8693% | 5,997 |
| Retained earnings to average equity (ytd only) | 1.8693% | 5,081 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8524% | 1,059 |
| Assets per employee ($millions) | 6.1968% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5232% | 6,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 65.4501% | 2,687 |
| Net loans and leases to deposits | 74.9346% | 3,024 |
| Net loans and leases to core deposits | 77.1707% | 3,401 |
| Total domestic deposits to total assets | 87.3430% | 2,625 |
| Equity capital to assets | 10.4785% | 3,329 |
| Core capital (leverage) ratio | 10.5914% | 2,780 |
| Tier 1 risk-based capital ratio | 22.3255% | 1,233 |
| Total risk-based capital ratio | 23.0512% | 1,299 |
| Memoranda: | ||
| Average total assets | $37,561,670 | 6,467 |
| Average earning assets | $36,325,670 | 6,389 |
| Average equity | $3,958,670 | 6,460 |
| Average total loans | $24,102,330 | 6,119 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6976% | 5,174 |
| Cost of funding earning assets | 0.8314% | 1,356 |
| Net interest margin | 2.8662% | 5,875 |
| Noninterest income to average assets | 0.0954% | 6,585 |
| Noninterest expense to average assets | 2.8608% | 3,503 |
| Loan and lease loss provision to assets | 0.0212% | 4,201 |
| Net operating income to assets | -0.0318% | 6,381 |
| Return on assets (ROA) | -0.0318% | 6,440 |
| Pretax return on assets | -0.0106% | 6,420 |
| Return on Equity (ROE) | -0.3008% | 6,446 |
| Retained earnings to average equity (ytd only) | -0.3008% | 5,834 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6310% | 557 |
| Assets per employee ($millions) | 6.2295% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5336% | 6,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 62.8408% | 2,914 |
| Net loans and leases to deposits | 71.9740% | 3,181 |
| Net loans and leases to core deposits | 74.1016% | 3,563 |
| Total domestic deposits to total assets | 87.3104% | 2,750 |
| Equity capital to assets | 10.6616% | 3,364 |
| Core capital (leverage) ratio | 10.4289% | 2,867 |
| Tier 1 risk-based capital ratio | 22.4902% | 1,242 |
| Total risk-based capital ratio | 23.2172% | 1,312 |
| Memoranda: | ||
| Average total assets | $37,752,000 | 6,528 |
| Average earning assets | $36,564,500 | 6,444 |
| Average equity | $3,990,000 | 6,521 |
| Average total loans | $23,922,000 | 6,180 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 5,129 |
| Cost of funding earning assets | 1.0235% | 1,234 |
| Net interest margin | 3.0305% | 5,977 |
| Noninterest income to average assets | 0.1018% | 6,499 |
| Noninterest expense to average assets | 2.6590% | 4,546 |
| Loan and lease loss provision to assets | 0.0275% | 5,553 |
| Net operating income to assets | 0.2835% | 5,526 |
| Return on assets (ROA) | 0.2835% | 5,739 |
| Pretax return on assets | 0.3413% | 5,739 |
| Return on Equity (ROE) | 2.6181% | 5,702 |
| Retained earnings to average equity (ytd only) | 2.6181% | 4,391 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8182% | 1,257 |
| Assets per employee ($millions) | 6.3545% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5118% | 6,832 |
| Loan loss allowance to noncurrent loans | 158.9744% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 6,048 |
| Noncurrent loans to loans | 0.3219% | 5,682 |
| Net loans and leases to total assets | 63.2255% | 3,015 |
| Net loans and leases to deposits | 72.4491% | 3,337 |
| Net loans and leases to core deposits | 74.5393% | 3,714 |
| Total domestic deposits to total assets | 87.2689% | 2,662 |
| Equity capital to assets | 10.4781% | 3,550 |
| Core capital (leverage) ratio | 10.2342% | 3,092 |
| Tier 1 risk-based capital ratio | 22.3790% | 1,199 |
| Total risk-based capital ratio | 23.0902% | 1,263 |
| Memoranda: | ||
| Average total assets | $36,329,000 | 6,602 |
| Average earning assets | $35,076,200 | 6,529 |
| Average equity | $3,934,200 | 6,580 |
| Average total loans | $24,845,600 | 6,202 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 5,252 |
| Cost of funding earning assets | 1.0363% | 1,362 |
| Net interest margin | 3.0472% | 6,070 |
| Noninterest income to average assets | 0.1375% | 6,455 |
| Noninterest expense to average assets | 2.7313% | 4,249 |
| Loan and lease loss provision to assets | 0.0260% | 5,458 |
| Net operating income to assets | 0.2750% | 5,699 |
| Return on assets (ROA) | 0.2750% | 5,891 |
| Pretax return on assets | 0.3196% | 5,920 |
| Return on Equity (ROE) | 2.5175% | 5,876 |
| Retained earnings to average equity (ytd only) | 2.5175% | 5,062 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7681% | 1,129 |
| Assets per employee ($millions) | 6.1685% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4771% | 6,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 68.1986% | 2,264 |
| Net loans and leases to deposits | 78.6594% | 2,571 |
| Net loans and leases to core deposits | 81.0045% | 3,086 |
| Total domestic deposits to total assets | 86.7013% | 2,852 |
| Equity capital to assets | 10.7563% | 3,549 |
| Core capital (leverage) ratio | 10.4618% | 2,964 |
| Tier 1 risk-based capital ratio | 22.7551% | 1,206 |
| Total risk-based capital ratio | 23.4661% | 1,276 |
| Memoranda: | ||
| Average total assets | $35,879,500 | 6,694 |
| Average earning assets | $34,609,750 | 6,622 |
| Average equity | $3,919,000 | 6,663 |
| Average total loans | $24,999,500 | 6,277 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1466% | 5,140 |
| Cost of funding earning assets | 1.0644% | 1,389 |
| Net interest margin | 3.0821% | 6,054 |
| Noninterest income to average assets | 0.1183% | 6,594 |
| Noninterest expense to average assets | 2.7097% | 4,368 |
| Loan and lease loss provision to assets | 0.0225% | 5,384 |
| Net operating income to assets | 0.3042% | 5,603 |
| Return on assets (ROA) | 0.3042% | 5,807 |
| Pretax return on assets | 0.3549% | 5,816 |
| Return on Equity (ROE) | 2.7704% | 5,777 |
| Retained earnings to average equity (ytd only) | 2.7704% | 4,774 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7737% | 1,250 |
| Assets per employee ($millions) | 5.9845% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4686% | 7,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 69.7970% | 1,953 |
| Net loans and leases to deposits | 81.0098% | 2,226 |
| Net loans and leases to core deposits | 83.4955% | 2,755 |
| Total domestic deposits to total assets | 86.1587% | 3,278 |
| Equity capital to assets | 10.9728% | 3,148 |
| Core capital (leverage) ratio | 10.7305% | 2,562 |
| Tier 1 risk-based capital ratio | 23.0002% | 1,132 |
| Total risk-based capital ratio | 23.7046% | 1,189 |
| Memoranda: | ||
| Average total assets | $35,502,330 | 6,756 |
| Average earning assets | $34,197,000 | 6,682 |
| Average equity | $3,898,330 | 6,714 |
| Average total loans | $24,878,670 | 6,326 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1519% | 5,272 |
| Cost of funding earning assets | 1.1056% | 1,382 |
| Net interest margin | 3.0463% | 6,195 |
| Noninterest income to average assets | 0.1700% | 6,359 |
| Noninterest expense to average assets | 2.9008% | 3,618 |
| Loan and lease loss provision to assets | 0.0227% | 5,054 |
| Net operating income to assets | 0.1586% | 6,099 |
| Return on assets (ROA) | 0.1586% | 6,229 |
| Pretax return on assets | 0.1813% | 6,232 |
| Return on Equity (ROE) | 1.4442% | 6,237 |
| Retained earnings to average equity (ytd only) | 1.4442% | 5,512 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4307% | 853 |
| Assets per employee ($millions) | 5.9465% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4762% | 7,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 67.9447% | 2,129 |
| Net loans and leases to deposits | 78.8383% | 2,362 |
| Net loans and leases to core deposits | 81.9402% | 2,847 |
| Total domestic deposits to total assets | 86.1823% | 3,422 |
| Equity capital to assets | 10.8803% | 3,049 |
| Core capital (leverage) ratio | 10.6870% | 2,561 |
| Tier 1 risk-based capital ratio | 22.7723% | 1,163 |
| Total risk-based capital ratio | 23.4651% | 1,225 |
| Memoranda: | ||
| Average total assets | $35,300,000 | 6,816 |
| Average earning assets | $34,008,500 | 6,736 |
| Average equity | $3,877,500 | 6,756 |
| Average total loans | $24,728,000 | 6,386 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 5,612 |
| Cost of funding earning assets | 1.1339% | 2,443 |
| Net interest margin | 3.2119% | 6,055 |
| Noninterest income to average assets | 0.1719% | 6,254 |
| Noninterest expense to average assets | 2.7758% | 4,443 |
| Loan and lease loss provision to assets | 0.0258% | 6,252 |
| Net operating income to assets | 0.3205% | 5,189 |
| Return on assets (ROA) | 0.3380% | 5,271 |
| Pretax return on assets | 0.4956% | 5,005 |
| Return on Equity (ROE) | 3.1262% | 5,234 |
| Retained earnings to average equity (ytd only) | 3.1262% | 4,000 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8511% | 1,678 |
| Assets per employee ($millions) | 5.8202% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4542% | 7,132 |
| Loan loss allowance to noncurrent loans | 144.3038% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 6,393 |
| Noncurrent loans to loans | 0.3148% | 6,100 |
| Net loans and leases to total assets | 71.5443% | 1,724 |
| Net loans and leases to deposits | 83.3912% | 2,012 |
| Net loans and leases to core deposits | 84.8296% | 2,769 |
| Total domestic deposits to total assets | 85.7936% | 3,430 |
| Equity capital to assets | 11.0907% | 2,901 |
| Core capital (leverage) ratio | 10.9019% | 2,348 |
| Tier 1 risk-based capital ratio | 22.1258% | 1,223 |
| Total risk-based capital ratio | 23.2207% | 1,211 |
| Memoranda: | ||
| Average total assets | $34,909,200 | 6,834 |
| Average earning assets | $33,687,600 | 6,761 |
| Average equity | $3,774,600 | 6,810 |
| Average total loans | $25,295,600 | 6,403 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 5,625 |
| Cost of funding earning assets | 1.1440% | 2,668 |
| Net interest margin | 3.2499% | 6,014 |
| Noninterest income to average assets | 0.1642% | 6,423 |
| Noninterest expense to average assets | 2.8609% | 4,102 |
| Loan and lease loss provision to assets | 0.0229% | 6,161 |
| Net operating income to assets | 0.2683% | 5,517 |
| Return on assets (ROA) | 0.2903% | 5,602 |
| Pretax return on assets | 0.4507% | 5,314 |
| Return on Equity (ROE) | 2.7021% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.7021% | 4,740 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6898% | 1,463 |
| Assets per employee ($millions) | 5.7813% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4366% | 7,204 |
| Loan loss allowance to noncurrent loans | 138.7500% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 6,481 |
| Noncurrent loans to loans | 0.3147% | 6,219 |
| Net loans and leases to total assets | 72.9676% | 1,516 |
| Net loans and leases to deposits | 85.1907% | 1,806 |
| Net loans and leases to core deposits | 87.4119% | 2,572 |
| Total domestic deposits to total assets | 85.6521% | 3,417 |
| Equity capital to assets | 11.0298% | 3,114 |
| Core capital (leverage) ratio | 10.8498% | 2,521 |
| Tier 1 risk-based capital ratio | 21.8792% | 1,313 |
| Total risk-based capital ratio | 22.9335% | 1,309 |
| Memoranda: | ||
| Average total assets | $34,906,250 | 6,898 |
| Average earning assets | $33,681,750 | 6,826 |
| Average equity | $3,750,000 | 6,869 |
| Average total loans | $25,345,000 | 6,464 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 5,685 |
| Cost of funding earning assets | 1.1496% | 2,905 |
| Net interest margin | 3.2533% | 5,995 |
| Noninterest income to average assets | 0.1658% | 6,471 |
| Noninterest expense to average assets | 2.8246% | 4,332 |
| Loan and lease loss provision to assets | 0.0229% | 6,007 |
| Net operating income to assets | 0.3088% | 5,338 |
| Return on assets (ROA) | 0.3088% | 5,474 |
| Pretax return on assets | 0.4574% | 5,198 |
| Return on Equity (ROE) | 2.8996% | 5,433 |
| Retained earnings to average equity (ytd only) | 2.8996% | 4,439 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4671% | 1,654 |
| Assets per employee ($millions) | 5.7737% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4275% | 7,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 73.2839% | 1,541 |
| Net loans and leases to deposits | 85.4580% | 1,868 |
| Net loans and leases to core deposits | 88.1371% | 2,628 |
| Total domestic deposits to total assets | 85.7543% | 3,466 |
| Equity capital to assets | 10.9030% | 3,060 |
| Core capital (leverage) ratio | 10.7948% | 2,426 |
| Tier 1 risk-based capital ratio | 21.8459% | 1,280 |
| Total risk-based capital ratio | 22.7291% | 1,309 |
| Memoranda: | ||
| Average total assets | $34,979,000 | 6,959 |
| Average earning assets | $33,750,670 | 6,881 |
| Average equity | $3,724,670 | 6,918 |
| Average total loans | $25,319,330 | 6,523 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 6,196 |
| Cost of funding earning assets | 1.1673% | 3,043 |
| Net interest margin | 3.0657% | 6,428 |
| Noninterest income to average assets | 0.1479% | 6,668 |
| Noninterest expense to average assets | 2.7996% | 4,447 |
| Loan and lease loss provision to assets | 0.0114% | 5,768 |
| Net operating income to assets | 0.2049% | 5,769 |
| Return on assets (ROA) | 0.2049% | 5,831 |
| Pretax return on assets | 0.2959% | 5,667 |
| Return on Equity (ROE) | 1.9467% | 5,807 |
| Retained earnings to average equity (ytd only) | 1.9467% | 4,959 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1099% | 1,323 |
| Assets per employee ($millions) | 5.8102% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4182% | 7,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 72.4018% | 1,634 |
| Net loans and leases to deposits | 84.2035% | 1,996 |
| Net loans and leases to core deposits | 85.6464% | 2,934 |
| Total domestic deposits to total assets | 85.9843% | 3,535 |
| Equity capital to assets | 10.6566% | 3,034 |
| Core capital (leverage) ratio | 10.6130% | 2,494 |
| Tier 1 risk-based capital ratio | 21.9362% | 1,241 |
| Total risk-based capital ratio | 22.6658% | 1,301 |
| Memoranda: | ||
| Average total assets | $35,147,500 | 7,003 |
| Average earning assets | $33,924,000 | 6,924 |
| Average equity | $3,698,500 | 6,958 |
| Average total loans | $25,231,000 | 6,578 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 7,007 |
| Cost of funding earning assets | 1.3939% | 3,307 |
| Net interest margin | 2.7378% | 7,092 |
| Noninterest income to average assets | 0.2295% | 6,159 |
| Noninterest expense to average assets | 2.5619% | 5,572 |
| Loan and lease loss provision to assets | 0.0142% | 6,958 |
| Net operating income to assets | 0.1899% | 5,298 |
| Return on assets (ROA) | 0.1899% | 5,471 |
| Pretax return on assets | 0.2919% | 5,250 |
| Return on Equity (ROE) | 1.8347% | 5,451 |
| Retained earnings to average equity (ytd only) | 1.8347% | 4,579 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3281% | 1,376 |
| Assets per employee ($millions) | 5.9057% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4181% | 7,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 70.5847% | 2,393 |
| Net loans and leases to deposits | 82.1029% | 2,783 |
| Net loans and leases to core deposits | 85.2977% | 3,428 |
| Total domestic deposits to total assets | 85.9711% | 3,369 |
| Equity capital to assets | 10.3911% | 3,280 |
| Core capital (leverage) ratio | 10.3861% | 2,686 |
| Tier 1 risk-based capital ratio | 21.4753% | 1,252 |
| Total risk-based capital ratio | 22.0997% | 1,321 |
| Memoranda: | ||
| Average total assets | $35,286,800 | 7,033 |
| Average earning assets | $34,004,800 | 6,947 |
| Average equity | $3,651,800 | 7,092 |
| Average total loans | $25,355,000 | 6,650 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 7,132 |
| Cost of funding earning assets | 1.4256% | 3,425 |
| Net interest margin | 2.7412% | 7,189 |
| Noninterest income to average assets | 0.2156% | 6,366 |
| Noninterest expense to average assets | 2.5342% | 5,588 |
| Loan and lease loss provision to assets | 0.0151% | 6,890 |
| Net operating income to assets | 0.2043% | 5,498 |
| Return on assets (ROA) | 0.2043% | 5,657 |
| Pretax return on assets | 0.3064% | 5,489 |
| Return on Equity (ROE) | 1.9757% | 5,616 |
| Retained earnings to average equity (ytd only) | 1.9757% | 4,964 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7417% | 1,387 |
| Assets per employee ($millions) | 5.9497% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4134% | 7,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 70.1888% | 2,691 |
| Net loans and leases to deposits | 81.6901% | 3,158 |
| Net loans and leases to core deposits | 85.6001% | 3,717 |
| Total domestic deposits to total assets | 85.9208% | 3,119 |
| Equity capital to assets | 10.2975% | 3,769 |
| Core capital (leverage) ratio | 10.2774% | 2,944 |
| Tier 1 risk-based capital ratio | 21.3343% | 1,309 |
| Total risk-based capital ratio | 21.9857% | 1,385 |
| Memoranda: | ||
| Average total assets | $35,250,000 | 7,119 |
| Average earning assets | $33,949,500 | 7,028 |
| Average equity | $3,644,250 | 7,187 |
| Average total loans | $25,414,750 | 6,731 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 7,175 |
| Cost of funding earning assets | 1.4619% | 3,482 |
| Net interest margin | 2.7344% | 7,216 |
| Noninterest income to average assets | 0.1823% | 6,606 |
| Noninterest expense to average assets | 2.4957% | 5,731 |
| Loan and lease loss provision to assets | 0.0171% | 6,749 |
| Net operating income to assets | 0.2051% | 5,542 |
| Return on assets (ROA) | 0.2051% | 5,673 |
| Pretax return on assets | 0.3020% | 5,495 |
| Return on Equity (ROE) | 1.9815% | 5,639 |
| Retained earnings to average equity (ytd only) | 1.9815% | 4,871 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6640% | 1,450 |
| Assets per employee ($millions) | 5.9062% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4102% | 7,593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 70.5731% | 2,778 |
| Net loans and leases to deposits | 82.2124% | 3,236 |
| Net loans and leases to core deposits | 86.1607% | 3,807 |
| Total domestic deposits to total assets | 85.8425% | 3,181 |
| Equity capital to assets | 10.3056% | 3,645 |
| Core capital (leverage) ratio | 10.2980% | 2,823 |
| Tier 1 risk-based capital ratio | 21.0754% | 1,326 |
| Total risk-based capital ratio | 21.6703% | 1,414 |
| Memoranda: | ||
| Average total assets | $35,100,670 | 7,175 |
| Average earning assets | $33,791,670 | 7,086 |
| Average equity | $3,633,670 | 7,230 |
| Average total loans | $25,499,670 | 6,773 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2584% | 7,196 |
| Cost of funding earning assets | 1.4988% | 3,569 |
| Net interest margin | 2.7596% | 7,238 |
| Noninterest income to average assets | 0.1718% | 6,745 |
| Noninterest expense to average assets | 2.4733% | 5,830 |
| Loan and lease loss provision to assets | 0.0229% | 6,426 |
| Net operating income to assets | 0.2290% | 5,578 |
| Return on assets (ROA) | 0.2290% | 5,699 |
| Pretax return on assets | 0.3321% | 5,518 |
| Return on Equity (ROE) | 2.2072% | 5,671 |
| Retained earnings to average equity (ytd only) | 2.2072% | 4,801 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4494% | 1,643 |
| Assets per employee ($millions) | 5.7587% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4002% | 7,688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 73.4632% | 2,091 |
| Net loans and leases to deposits | 86.0237% | 2,582 |
| Net loans and leases to core deposits | 89.4776% | 3,434 |
| Total domestic deposits to total assets | 85.3988% | 3,467 |
| Equity capital to assets | 10.5233% | 3,228 |
| Core capital (leverage) ratio | 10.5155% | 2,608 |
| Tier 1 risk-based capital ratio | 20.9867% | 1,341 |
| Total risk-based capital ratio | 21.5759% | 1,427 |
| Memoranda: | ||
| Average total assets | $34,932,500 | 7,273 |
| Average earning assets | $33,627,500 | 7,176 |
| Average equity | $3,624,500 | 7,307 |
| Average total loans | $25,693,500 | 6,839 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6290% | 7,242 |
| Cost of funding earning assets | 1.9973% | 2,974 |
| Net interest margin | 2.6317% | 7,303 |
| Noninterest income to average assets | 0.1419% | 7,028 |
| Noninterest expense to average assets | 2.5178% | 6,067 |
| Loan and lease loss provision to assets | 0.0121% | 7,369 |
| Net operating income to assets | 0.0875% | 5,246 |
| Return on assets (ROA) | 0.0875% | 5,289 |
| Pretax return on assets | 0.1419% | 5,133 |
| Return on Equity (ROE) | 0.8071% | 5,289 |
| Retained earnings to average equity (ytd only) | 0.8071% | 4,450 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2373% | 1,401 |
| Assets per employee ($millions) | 5.8855% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3861% | 7,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 73.0666% | 2,492 |
| Net loans and leases to deposits | 85.5816% | 2,983 |
| Net loans and leases to core deposits | 96.5861% | 4,390 |
| Total domestic deposits to total assets | 85.3765% | 3,373 |
| Equity capital to assets | 10.2314% | 3,479 |
| Core capital (leverage) ratio | 10.2288% | 2,851 |
| Tier 1 risk-based capital ratio | 20.7348% | 1,336 |
| Total risk-based capital ratio | 21.3088% | 1,414 |
| Memoranda: | ||
| Average total assets | $33,124,600 | 7,358 |
| Average earning assets | $31,842,600 | 7,272 |
| Average equity | $3,593,200 | 7,415 |
| Average total loans | $25,065,400 | 6,912 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 7,256 |
| Cost of funding earning assets | 2.1128% | 2,837 |
| Net interest margin | 2.6026% | 7,354 |
| Noninterest income to average assets | 0.1269% | 7,252 |
| Noninterest expense to average assets | 2.5252% | 5,994 |
| Loan and lease loss provision to assets | 0.0123% | 7,212 |
| Net operating income to assets | 0.0532% | 5,600 |
| Return on assets (ROA) | 0.0532% | 5,633 |
| Pretax return on assets | 0.0900% | 5,545 |
| Return on Equity (ROE) | 0.4830% | 5,643 |
| Retained earnings to average equity (ytd only) | 0.4830% | 5,002 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1059% | 1,268 |
| Assets per employee ($millions) | 5.7352% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3895% | 7,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 6,746 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 73.5782% | 2,652 |
| Net loans and leases to deposits | 86.5873% | 3,210 |
| Net loans and leases to core deposits | 98.5290% | 4,549 |
| Total domestic deposits to total assets | 84.9757% | 3,248 |
| Equity capital to assets | 10.4531% | 3,566 |
| Core capital (leverage) ratio | 10.4505% | 2,833 |
| Tier 1 risk-based capital ratio | 21.0909% | 1,358 |
| Total risk-based capital ratio | 21.6716% | 1,431 |
| Memoranda: | ||
| Average total assets | $32,577,500 | 7,438 |
| Average earning assets | $31,301,250 | 7,358 |
| Average equity | $3,588,250 | 7,480 |
| Average total loans | $24,856,250 | 6,987 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8210% | 7,191 |
| Cost of funding earning assets | 2.2246% | 2,688 |
| Net interest margin | 2.5964% | 7,363 |
| Noninterest income to average assets | 0.2065% | 6,812 |
| Noninterest expense to average assets | 2.6528% | 5,549 |
| Loan and lease loss provision to assets | 0.0125% | 7,089 |
| Net operating income to assets | -0.0063% | 5,854 |
| Return on assets (ROA) | -0.0063% | 5,932 |
| Pretax return on assets | 0.0313% | 5,812 |
| Return on Equity (ROE) | -0.0558% | 5,937 |
| Retained earnings to average equity (ytd only) | -0.0558% | 5,229 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3759% | 1,254 |
| Assets per employee ($millions) | 5.8193% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3915% | 7,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3465% | 6,584 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 71.4114% | 3,375 |
| Net loans and leases to deposits | 85.4284% | 3,661 |
| Net loans and leases to core deposits | 97.3642% | 4,748 |
| Total domestic deposits to total assets | 83.5920% | 3,970 |
| Equity capital to assets | 10.2618% | 3,654 |
| Core capital (leverage) ratio | 10.2592% | 3,034 |
| Tier 1 risk-based capital ratio | 20.8997% | 1,416 |
| Total risk-based capital ratio | 21.4715% | 1,489 |
| Memoranda: | ||
| Average total assets | $31,966,330 | 7,531 |
| Average earning assets | $30,657,330 | 7,450 |
| Average equity | $3,585,330 | 7,544 |
| Average total loans | $24,669,000 | 7,048 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0435% | 6,819 |
| Cost of funding earning assets | 2.2675% | 2,847 |
| Net interest margin | 2.7760% | 7,042 |
| Noninterest income to average assets | 0.2099% | 6,790 |
| Noninterest expense to average assets | 2.7024% | 4,994 |
| Loan and lease loss provision to assets | 0.0131% | 6,679 |
| Net operating income to assets | 0.1049% | 5,966 |
| Return on assets (ROA) | 0.1049% | 6,133 |
| Pretax return on assets | 0.1443% | 6,065 |
| Return on Equity (ROE) | 0.8922% | 6,157 |
| Retained earnings to average equity (ytd only) | 0.8922% | 5,298 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4954% | 1,404 |
| Assets per employee ($millions) | 5.3580% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3913% | 7,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 6,376 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 76.7979% | 2,085 |
| Net loans and leases to deposits | 93.6608% | 2,331 |
| Net loans and leases to core deposits | 106.5421% | 3,848 |
| Total domestic deposits to total assets | 81.9958% | 4,546 |
| Equity capital to assets | 11.1764% | 2,831 |
| Core capital (leverage) ratio | 11.1737% | 2,365 |
| Tier 1 risk-based capital ratio | 21.7000% | 1,335 |
| Total risk-based capital ratio | 22.2860% | 1,416 |
| Memoranda: | ||
| Average total assets | $30,491,500 | 7,630 |
| Average earning assets | $29,106,500 | 7,565 |
| Average equity | $3,586,500 | 7,594 |
| Average total loans | $24,487,500 | 7,102 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7419% | 6,631 |
| Cost of funding earning assets | 2.6895% | 3,209 |
| Net interest margin | 3.0524% | 6,782 |
| Noninterest income to average assets | 0.2353% | 6,757 |
| Noninterest expense to average assets | 2.6640% | 5,402 |
| Loan and lease loss provision to assets | 0.0173% | 7,169 |
| Net operating income to assets | 0.3218% | 5,472 |
| Return on assets (ROA) | 0.3218% | 5,289 |
| Pretax return on assets | 0.4636% | 5,089 |
| Return on Equity (ROE) | 2.6313% | 5,372 |
| Retained earnings to average equity (ytd only) | 2.6313% | 3,550 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7085% | 1,990 |
| Assets per employee ($millions) | 4.8058% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3969% | 7,981 |
| Loan loss allowance to noncurrent loans | 111.6279% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 6,403 |
| Noncurrent loans to loans | 0.3555% | 6,307 |
| Net loans and leases to total assets | 83.5547% | 957 |
| Net loans and leases to deposits | 98.1585% | 2,101 |
| Net loans and leases to core deposits | 111.0788% | 3,672 |
| Total domestic deposits to total assets | 85.1222% | 2,787 |
| Equity capital to assets | 12.4155% | 2,056 |
| Core capital (leverage) ratio | 12.4246% | 1,783 |
| Tier 1 risk-based capital ratio | 22.9871% | 1,196 |
| Total risk-based capital ratio | 23.6030% | 1,243 |
| Memoranda: | ||
| Average total assets | $28,903,400 | 7,686 |
| Average earning assets | $27,551,800 | 7,639 |
| Average equity | $3,534,400 | 7,666 |
| Average total loans | $24,415,200 | 7,061 |