Home > Legends West Bank > Performance and Condition Ratios
Legends West Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 4,254 |
| Cost of funding earning assets | 0.4067% | 4,283 |
| Net interest margin | 3.3173% | 2,585 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 3.0673% | 1,018 |
| Loan and lease loss provision to assets | 0.8900% | 81 |
| Net operating income to assets | -0.7668% | 4,526 |
| Return on assets (ROA) | -0.7668% | 4,514 |
| Pretax return on assets | -0.8661% | 4,514 |
| Return on Equity (ROE) | -2.6800% | 4,434 |
| Retained earnings to average equity (ytd only) | -2.6801% | 4,309 |
| Net charge-offs to loans | 0.2102% | 514 |
| Credit loss provision to net charge-offs | 838.7097% | 473 |
| Earnings coverage of net charge-offs (x) | 0.2258% | 2,817 |
| Efficiency ratio | 96.0133% | 261 |
| Assets per employee ($millions) | 4.6568% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 3,837 |
| Loan loss allowance to noncurrent loans | 61.5591% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9986% | 497 |
| Noncurrent loans to loans | 1.3874% | 502 |
| Net loans and leases to total assets | 71.3600% | 1,657 |
| Net loans and leases to deposits | 116.8990% | 108 |
| Net loans and leases to core deposits | 129.7857% | 403 |
| Total domestic deposits to total assets | 61.0400% | 4,429 |
| Equity capital to assets | 38.4576% | 141 |
| Core capital (leverage) ratio | 39.4907% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $29,211,000 | 4,470 |
| Average earning assets | $26,798,800 | 4,440 |
| Average equity | $8,357,800 | 3,893 |
| Average total loans | $14,747,200 | 4,355 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7582% | 4,596 |
| Cost of funding earning assets | 0.1275% | 4,496 |
| Net interest margin | 1.6308% | 4,509 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 1.7548% | 4,049 |
| Loan and lease loss provision to assets | 0.7400% | 97 |
| Net operating income to assets | -1.0049% | 4,568 |
| Return on assets (ROA) | -1.0049% | 4,563 |
| Pretax return on assets | -0.9657% | 4,552 |
| Return on Equity (ROE) | -3.9800% | 4,487 |
| Retained earnings to average equity (ytd only) | -3.9812% | 4,399 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 111.5756% | 99 |
| Assets per employee ($millions) | 5.4687% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 3,344 |
| Loan loss allowance to noncurrent loans | 30.3030% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5086% | 246 |
| Noncurrent loans to loans | 3.3104% | 117 |
| Net loans and leases to total assets | 45.1100% | 3,865 |
| Net loans and leases to deposits | 81.1168% | 1,963 |
| Net loans and leases to core deposits | 83.4348% | 2,362 |
| Total domestic deposits to total assets | 55.6200% | 4,483 |
| Equity capital to assets | 43.5450% | 140 |
| Core capital (leverage) ratio | 42.2303% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $27,200,250 | 4,508 |
| Average earning assets | $25,100,250 | 4,474 |
| Average equity | $6,865,500 | 4,061 |
| Average total loans | $11,730,750 | 4,419 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5782% | 2,460 |
| Cost of funding earning assets | 0.3489% | 4,240 |
| Net interest margin | 4.2293% | 893 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.8713% | 3,876 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 2.0608% | 426 |
| Return on assets (ROA) | 2.0608% | 423 |
| Pretax return on assets | 2.2503% | 501 |
| Return on Equity (ROE) | 11.8900% | 2,181 |
| Retained earnings to average equity (ytd only) | 11.8871% | 1,002 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.3820% | 4,238 |
| Assets per employee ($millions) | 11.5755% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 3,503 |
| Loan loss allowance to noncurrent loans | 23.2323% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 2.1381% | 126 |
| Noncurrent loans to loans | 4.2149% | 77 |
| Net loans and leases to total assets | 50.2300% | 3,544 |
| Net loans and leases to deposits | 63.1359% | 3,247 |
| Net loans and leases to core deposits | 64.9230% | 3,396 |
| Total domestic deposits to total assets | 79.5600% | 3,642 |
| Equity capital to assets | 19.5801% | 293 |
| Core capital (leverage) ratio | 18.7443% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.6231% | 167 |
| Memoranda: | ||
| Average total assets | $25,329,667 | 4,550 |
| Average earning assets | $23,502,667 | 4,513 |
| Average equity | $4,391,333 | 4,351 |
| Average total loans | $10,656,667 | 4,461 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 2,751 |
| Cost of funding earning assets | 0.2618% | 4,274 |
| Net interest margin | 4.0578% | 1,166 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.7412% | 4,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1348% | 411 |
| Return on assets (ROA) | 2.1348% | 403 |
| Pretax return on assets | 2.2862% | 499 |
| Return on Equity (ROE) | 13.0500% | 1,974 |
| Retained earnings to average equity (ytd only) | 13.0540% | 1,086 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.2331% | 4,336 |
| Assets per employee ($millions) | 9.0263% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,396 |
| 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 | 36.6100% | 4,169 |
| Net loans and leases to deposits | 44.1466% | 4,095 |
| Net loans and leases to core deposits | 45.1642% | 4,138 |
| Total domestic deposits to total assets | 82.9300% | 3,310 |
| Equity capital to assets | 16.3041% | 378 |
| Core capital (leverage) ratio | 16.8788% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $26,419,000 | 4,598 |
| Average earning assets | $24,447,000 | 4,570 |
| Average equity | $4,320,500 | 4,418 |
| Average total loans | $10,113,000 | 4,531 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0221% | 4,104 |
| Cost of funding earning assets | 0.1420% | 4,166 |
| Net interest margin | 2.8801% | 3,726 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.9481% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7641% | 3,444 |
| Return on assets (ROA) | 0.7641% | 3,384 |
| Pretax return on assets | 0.9797% | 3,133 |
| Return on Equity (ROE) | 4.7800% | 4,050 |
| Retained earnings to average equity (ytd only) | 4.7793% | 3,146 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.5375% | 2,142 |
| Assets per employee ($millions) | 8.5863% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 3,316 |
| 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 | 39.2300% | 4,093 |
| Net loans and leases to deposits | 47.4037% | 3,994 |
| Net loans and leases to core deposits | 48.5562% | 4,035 |
| Total domestic deposits to total assets | 82.7600% | 3,470 |
| Equity capital to assets | 16.4059% | 362 |
| Core capital (leverage) ratio | 17.4065% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $26,436,400 | 4,635 |
| Average earning assets | $24,652,000 | 4,603 |
| Average equity | $4,226,600 | 4,507 |
| Average total loans | $10,345,600 | 4,555 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7591% | 4,235 |
| Cost of funding earning assets | 0.1174% | 4,141 |
| Net interest margin | 2.6417% | 4,043 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.7790% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8018% | 3,259 |
| Return on assets (ROA) | 0.8018% | 3,215 |
| Pretax return on assets | 0.9471% | 3,191 |
| Return on Equity (ROE) | 5.0500% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.0471% | 3,082 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.2574% | 2,377 |
| Assets per employee ($millions) | 8.8377% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 3,766 |
| 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 | 40.9500% | 4,035 |
| Net loans and leases to deposits | 49.0956% | 3,909 |
| Net loans and leases to core deposits | 53.7236% | 3,766 |
| Total domestic deposits to total assets | 83.4100% | 3,623 |
| Equity capital to assets | 15.7923% | 384 |
| Core capital (leverage) ratio | 16.3542% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $26,605,750 | 4,669 |
| Average earning assets | $24,983,250 | 4,637 |
| Average equity | $4,226,750 | 4,554 |
| Average total loans | $10,379,750 | 4,587 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4922% | 4,382 |
| Cost of funding earning assets | 0.1038% | 4,153 |
| Net interest margin | 2.3884% | 4,244 |
| Noninterest income to average assets | 0.2328% | 3,785 |
| Noninterest expense to average assets | 1.8471% | 3,842 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4880% | 3,926 |
| Return on assets (ROA) | 0.4880% | 3,872 |
| Pretax return on assets | 0.6307% | 3,746 |
| Return on Equity (ROE) | 3.0660% | 4,202 |
| Retained earnings to average equity (ytd only) | 3.0660% | 3,421 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5455% | 1,448 |
| Assets per employee ($millions) | 9.1547% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 3,644 |
| 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 | 37.5073% | 4,193 |
| Net loans and leases to deposits | 44.7519% | 4,080 |
| Net loans and leases to core deposits | 48.7898% | 3,991 |
| Total domestic deposits to total assets | 83.8115% | 3,720 |
| Equity capital to assets | 15.4457% | 372 |
| Core capital (leverage) ratio | 15.7606% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,636,667 | 4,702 |
| Average earning assets | $25,038,000 | 4,684 |
| Average equity | $4,240,000 | 4,596 |
| Average total loans | $10,186,667 | 4,656 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3358% | 4,431 |
| Cost of funding earning assets | 0.1135% | 3,967 |
| Net interest margin | 2.2223% | 4,320 |
| Noninterest income to average assets | 0.2441% | 3,680 |
| Noninterest expense to average assets | 1.7999% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3813% | 3,997 |
| Return on assets (ROA) | 0.3813% | 3,961 |
| Pretax return on assets | 0.5339% | 3,803 |
| Return on Equity (ROE) | 2.3590% | 4,201 |
| Retained earnings to average equity (ytd only) | 2.3590% | 3,444 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1242% | 1,395 |
| Assets per employee ($millions) | 7.0990% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 3,338 |
| 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 | 32.6842% | 4,348 |
| Net loans and leases to deposits | 38.7257% | 4,294 |
| Net loans and leases to core deposits | 39.5576% | 4,324 |
| Total domestic deposits to total assets | 84.3992% | 3,674 |
| Equity capital to assets | 14.8648% | 410 |
| Core capital (leverage) ratio | 15.8209% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,223,000 | 4,735 |
| Average earning assets | $24,659,500 | 4,709 |
| Average equity | $4,239,000 | 4,638 |
| Average total loans | $10,078,000 | 4,680 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4822% | 2,710 |
| Cost of funding earning assets | 0.1671% | 3,805 |
| Net interest margin | 3.3151% | 2,271 |
| Noninterest income to average assets | 0.2753% | 3,747 |
| Noninterest expense to average assets | 2.4199% | 2,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7683% | 3,429 |
| Return on assets (ROA) | 0.7683% | 3,492 |
| Pretax return on assets | 0.9532% | 3,371 |
| Return on Equity (ROE) | 3.8978% | 4,237 |
| Retained earnings to average equity (ytd only) | -0.4794% | 4,545 |
| Net charge-offs to loans | -0.0562% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7418% | 1,535 |
| Assets per employee ($millions) | 6.0125% | 2,760 |
| Cash dividends to net income (ytd only)* | 112.2995% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 3,911 |
| 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 | 44.3617% | 3,815 |
| Net loans and leases to deposits | 54.4781% | 3,561 |
| Net loans and leases to core deposits | 55.9172% | 3,625 |
| Total domestic deposits to total assets | 81.4304% | 4,053 |
| Equity capital to assets | 17.7006% | 267 |
| Core capital (leverage) ratio | 18.1675% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,339,400 | 4,781 |
| Average earning assets | $22,744,400 | 4,765 |
| Average equity | $4,797,600 | 4,649 |
| Average total loans | $10,683,400 | 4,719 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6145% | 2,514 |
| Cost of funding earning assets | 0.1755% | 3,866 |
| Net interest margin | 3.4390% | 2,046 |
| Noninterest income to average assets | 0.2785% | 3,763 |
| Noninterest expense to average assets | 2.2338% | 2,955 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0978% | 2,564 |
| Return on assets (ROA) | 1.0978% | 2,621 |
| Pretax return on assets | 1.2562% | 2,750 |
| Return on Equity (ROE) | 5.4329% | 4,030 |
| Retained earnings to average equity (ytd only) | 5.1626% | 3,157 |
| Net charge-offs to loans | -0.0875% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0063% | 2,382 |
| Assets per employee ($millions) | 7.5133% | 1,561 |
| Cash dividends to net income (ytd only)* | 4.9751% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 4,263 |
| 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 | 53.0302% | 3,080 |
| Net loans and leases to deposits | 67.0312% | 2,537 |
| Net loans and leases to core deposits | 68.9808% | 2,689 |
| Total domestic deposits to total assets | 79.1127% | 4,334 |
| Equity capital to assets | 19.9290% | 193 |
| Core capital (leverage) ratio | 19.7987% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,411,750 | 4,852 |
| Average earning assets | $22,796,750 | 4,837 |
| Average equity | $4,932,750 | 4,707 |
| Average total loans | $10,661,250 | 4,793 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 2,005 |
| Cost of funding earning assets | 0.1883% | 3,865 |
| Net interest margin | 3.6371% | 1,502 |
| Noninterest income to average assets | 0.2796% | 3,743 |
| Noninterest expense to average assets | 2.1729% | 3,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3501% | 1,707 |
| Return on assets (ROA) | 1.3501% | 1,789 |
| Pretax return on assets | 1.5019% | 2,008 |
| Return on Equity (ROE) | 6.6540% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.6540% | 2,561 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1304% | 3,134 |
| Assets per employee ($millions) | 7.5493% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 4,161 |
| 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 | 47.3243% | 3,796 |
| Net loans and leases to deposits | 59.6372% | 3,422 |
| Net loans and leases to core deposits | 61.3544% | 3,520 |
| Total domestic deposits to total assets | 79.3536% | 4,308 |
| Equity capital to assets | 19.7368% | 204 |
| Core capital (leverage) ratio | 18.5544% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $25,035,667 | 4,886 |
| Average earning assets | $23,370,000 | 4,866 |
| Average equity | $5,079,667 | 4,719 |
| Average total loans | $10,196,333 | 4,834 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7018% | 4,476 |
| Cost of funding earning assets | 0.1965% | 3,942 |
| Net interest margin | 2.5053% | 4,292 |
| Noninterest income to average assets | 0.2745% | 3,752 |
| Noninterest expense to average assets | 2.0893% | 3,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3660% | 4,421 |
| Return on assets (ROA) | 0.3660% | 4,452 |
| Pretax return on assets | 0.5185% | 4,311 |
| Return on Equity (ROE) | 1.7829% | 4,628 |
| Retained earnings to average equity (ytd only) | 1.7829% | 4,057 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1170% | 815 |
| Assets per employee ($millions) | 9.1090% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,374 |
| 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 | 31.2365% | 4,659 |
| Net loans and leases to deposits | 37.4517% | 4,644 |
| Net loans and leases to core deposits | 38.2952% | 4,663 |
| Total domestic deposits to total assets | 83.4047% | 3,588 |
| Equity capital to assets | 15.8451% | 403 |
| Core capital (leverage) ratio | 16.3184% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $26,229,500 | 4,898 |
| Average earning assets | $24,428,000 | 4,881 |
| Average equity | $5,384,500 | 4,703 |
| Average total loans | $9,887,000 | 4,864 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5841% | 3,841 |
| Cost of funding earning assets | 0.3001% | 4,144 |
| Net interest margin | 3.2840% | 3,111 |
| Noninterest income to average assets | 0.2719% | 3,848 |
| Noninterest expense to average assets | 2.4756% | 2,923 |
| Loan and lease loss provision to assets | 0.0122% | 4,218 |
| Net operating income to assets | 0.7062% | 3,414 |
| Return on assets (ROA) | 0.7062% | 3,548 |
| Pretax return on assets | 0.8482% | 3,508 |
| Return on Equity (ROE) | 2.7358% | 4,438 |
| Retained earnings to average equity (ytd only) | 2.7358% | 3,494 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2092% | 1,416 |
| Assets per employee ($millions) | 8.3773% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 4,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 43.9480% | 4,249 |
| Net loans and leases to deposits | 59.7997% | 3,778 |
| Net loans and leases to core deposits | 61.4670% | 3,859 |
| Total domestic deposits to total assets | 73.4920% | 4,658 |
| Equity capital to assets | 25.6207% | 91 |
| Core capital (leverage) ratio | 25.0176% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,640,000 | 4,918 |
| Average earning assets | $22,990,600 | 4,899 |
| Average equity | $6,360,000 | 4,597 |
| Average total loans | $10,916,400 | 4,880 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6242% | 3,964 |
| Cost of funding earning assets | 0.3200% | 4,215 |
| Net interest margin | 3.3042% | 3,171 |
| Noninterest income to average assets | 0.2665% | 3,870 |
| Noninterest expense to average assets | 2.2949% | 3,435 |
| Loan and lease loss provision to assets | 0.0163% | 4,124 |
| Net operating income to assets | 0.8864% | 2,750 |
| Return on assets (ROA) | 0.8864% | 2,873 |
| Pretax return on assets | 1.0441% | 2,923 |
| Return on Equity (ROE) | 3.4277% | 4,316 |
| Retained earnings to average equity (ytd only) | 3.4277% | 3,345 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3955% | 2,126 |
| Assets per employee ($millions) | 8.3463% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8451% | 4,238 |
| 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 | 44.9818% | 4,370 |
| Net loans and leases to deposits | 61.2219% | 3,978 |
| Net loans and leases to core deposits | 64.3931% | 3,993 |
| Total domestic deposits to total assets | 73.4734% | 4,605 |
| Equity capital to assets | 25.6959% | 92 |
| Core capital (leverage) ratio | 25.2916% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,517,000 | 4,949 |
| Average earning assets | $22,919,500 | 4,931 |
| Average equity | $6,340,250 | 4,627 |
| Average total loans | $10,860,000 | 4,914 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6573% | 4,159 |
| Cost of funding earning assets | 0.3517% | 4,262 |
| Net interest margin | 3.3056% | 3,370 |
| Noninterest income to average assets | 0.2793% | 3,801 |
| Noninterest expense to average assets | 2.2676% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9448% | 2,519 |
| Return on assets (ROA) | 0.9448% | 2,648 |
| Pretax return on assets | 1.1009% | 2,706 |
| Return on Equity (ROE) | 3.6456% | 4,209 |
| Retained earnings to average equity (ytd only) | 3.6456% | 3,097 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3171% | 2,331 |
| Assets per employee ($millions) | 8.2873% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 4,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 43.7415% | 4,463 |
| Net loans and leases to deposits | 59.5760% | 4,137 |
| Net loans and leases to core deposits | 60.9278% | 4,213 |
| Total domestic deposits to total assets | 73.4213% | 4,628 |
| Equity capital to assets | 25.6858% | 93 |
| Core capital (leverage) ratio | 25.9473% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,343,000 | 4,976 |
| Average earning assets | $22,749,333 | 4,962 |
| Average equity | $6,309,000 | 4,651 |
| Average total loans | $10,693,667 | 4,949 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7596% | 4,282 |
| Cost of funding earning assets | 0.4098% | 4,331 |
| Net interest margin | 3.3498% | 3,448 |
| Noninterest income to average assets | 0.2824% | 3,837 |
| Noninterest expense to average assets | 2.2920% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9467% | 2,358 |
| Return on assets (ROA) | 0.9467% | 2,461 |
| Pretax return on assets | 1.1128% | 2,468 |
| Return on Equity (ROE) | 3.6361% | 4,057 |
| Retained earnings to average equity (ytd only) | 3.6361% | 2,829 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3171% | 2,766 |
| Assets per employee ($millions) | 6.2100% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 3,957 |
| 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 | 39.3196% | 4,690 |
| Net loans and leases to deposits | 53.2726% | 4,476 |
| Net loans and leases to core deposits | 54.4699% | 4,550 |
| Total domestic deposits to total assets | 73.8084% | 4,676 |
| Equity capital to assets | 25.3382% | 107 |
| Core capital (leverage) ratio | 25.7376% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $24,083,500 | 5,026 |
| Average earning assets | $22,449,000 | 5,009 |
| Average equity | $6,270,500 | 4,688 |
| Average total loans | $10,556,500 | 4,990 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 3,961 |
| Cost of funding earning assets | 0.4146% | 4,397 |
| Net interest margin | 3.7222% | 2,749 |
| Noninterest income to average assets | 0.3525% | 3,591 |
| Noninterest expense to average assets | 2.9315% | 2,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6749% | 3,939 |
| Return on assets (ROA) | 0.6749% | 4,007 |
| Pretax return on assets | 0.8554% | 3,861 |
| Return on Equity (ROE) | 2.5269% | 4,738 |
| Retained earnings to average equity (ytd only) | 0.5150% | 4,541 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4120% | 1,222 |
| Assets per employee ($millions) | 5.8318% | 1,767 |
| Cash dividends to net income (ytd only)* | 79.6178% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 4,229 |
| 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 | 47.8416% | 4,436 |
| Net loans and leases to deposits | 66.2236% | 3,944 |
| Net loans and leases to core deposits | 70.2771% | 3,948 |
| Total domestic deposits to total assets | 72.2425% | 4,859 |
| Equity capital to assets | 26.7801% | 101 |
| Core capital (leverage) ratio | 27.0342% | 102 |
| Tier 1 risk-based capital ratio | 55.0959% | 111 |
| Total risk-based capital ratio | 55.9180% | 111 |
| Memoranda: | ||
| Average total assets | $23,264,200 | 5,090 |
| Average earning assets | $21,465,600 | 5,074 |
| Average equity | $6,213,200 | 4,733 |
| Average total loans | $10,793,800 | 5,046 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 4,104 |
| Cost of funding earning assets | 0.4055% | 4,484 |
| Net interest margin | 3.7179% | 2,857 |
| Noninterest income to average assets | 0.3555% | 3,597 |
| Noninterest expense to average assets | 2.7528% | 2,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8545% | 3,503 |
| Return on assets (ROA) | 0.8545% | 3,581 |
| Pretax return on assets | 1.0208% | 3,523 |
| Return on Equity (ROE) | 3.2017% | 4,733 |
| Retained earnings to average equity (ytd only) | 0.5157% | 4,659 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9483% | 1,704 |
| Assets per employee ($millions) | 5.6500% | 1,891 |
| Cash dividends to net income (ytd only)* | 83.8921% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8061% | 4,392 |
| 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 | 50.6372% | 4,389 |
| Net loans and leases to deposits | 70.6943% | 3,714 |
| Net loans and leases to core deposits | 75.1905% | 3,747 |
| Total domestic deposits to total assets | 71.6283% | 4,936 |
| Equity capital to assets | 27.6106% | 90 |
| Core capital (leverage) ratio | 27.1680% | 98 |
| Tier 1 risk-based capital ratio | 48.4511% | 147 |
| Total risk-based capital ratio | 49.1750% | 150 |
| Memoranda: | ||
| Average total assets | $23,248,500 | 5,167 |
| Average earning assets | $21,373,750 | 5,154 |
| Average equity | $6,204,750 | 4,798 |
| Average total loans | $10,679,000 | 5,128 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0027% | 4,369 |
| Cost of funding earning assets | 0.3723% | 4,610 |
| Net interest margin | 3.6304% | 3,161 |
| Noninterest income to average assets | 0.3239% | 3,773 |
| Noninterest expense to average assets | 2.8127% | 2,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6734% | 4,092 |
| Return on assets (ROA) | 0.6734% | 4,141 |
| Pretax return on assets | 0.8353% | 4,008 |
| Return on Equity (ROE) | 2.5513% | 4,867 |
| Retained earnings to average equity (ytd only) | -1.4855% | 4,876 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1028% | 1,259 |
| Assets per employee ($millions) | 5.7598% | 1,733 |
| Cash dividends to net income (ytd only)* | 158.2278% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8552% | 4,249 |
| 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 | 46.7989% | 4,613 |
| Net loans and leases to deposits | 64.5590% | 4,193 |
| Net loans and leases to core deposits | 68.5180% | 4,184 |
| Total domestic deposits to total assets | 72.4901% | 4,944 |
| Equity capital to assets | 26.7763% | 102 |
| Core capital (leverage) ratio | 26.1226% | 105 |
| Tier 1 risk-based capital ratio | 53.1933% | 118 |
| Total risk-based capital ratio | 53.9971% | 118 |
| Memoranda: | ||
| Average total assets | $23,464,670 | 5,212 |
| Average earning assets | $21,485,330 | 5,200 |
| Average equity | $6,193,000 | 4,829 |
| Average total loans | $10,393,000 | 5,178 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8642% | 4,612 |
| Cost of funding earning assets | 0.3143% | 4,803 |
| Net interest margin | 3.5499% | 3,431 |
| Noninterest income to average assets | 0.3041% | 3,848 |
| Noninterest expense to average assets | 2.5847% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7940% | 3,642 |
| Return on assets (ROA) | 0.7940% | 3,692 |
| Pretax return on assets | 0.9629% | 3,575 |
| Return on Equity (ROE) | 3.0298% | 4,780 |
| Retained earnings to average equity (ytd only) | 3.0298% | 3,724 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8571% | 1,900 |
| Assets per employee ($millions) | 6.0803% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 3,896 |
| 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 | 39.2007% | 4,913 |
| Net loans and leases to deposits | 53.2061% | 4,705 |
| Net loans and leases to core deposits | 56.2246% | 4,706 |
| Total domestic deposits to total assets | 73.6771% | 4,956 |
| Equity capital to assets | 25.6610% | 109 |
| Core capital (leverage) ratio | 26.0377% | 100 |
| Tier 1 risk-based capital ratio | 57.3790% | 98 |
| Total risk-based capital ratio | 58.2331% | 98 |
| Memoranda: | ||
| Average total assets | $23,677,500 | 5,265 |
| Average earning assets | $21,634,500 | 5,253 |
| Average equity | $6,205,000 | 4,863 |
| Average total loans | $10,152,000 | 5,240 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7746% | 4,545 |
| Cost of funding earning assets | 0.2028% | 4,987 |
| Net interest margin | 3.5718% | 3,478 |
| Noninterest income to average assets | 0.3979% | 3,454 |
| Noninterest expense to average assets | 2.6653% | 3,139 |
| Loan and lease loss provision to assets | 0.2777% | 601 |
| Net operating income to assets | 0.5389% | 4,573 |
| Return on assets (ROA) | 0.5389% | 4,569 |
| Pretax return on assets | 0.6674% | 4,493 |
| Return on Equity (ROE) | 2.1227% | 5,031 |
| Retained earnings to average equity (ytd only) | 2.1227% | 4,306 |
| Net charge-offs to loans | 1.8160% | 58 |
| Credit loss provision to net charge-offs | 35.8289% | 3,312 |
| Earnings coverage of net charge-offs (x) | 1.2193% | 3,646 |
| Efficiency ratio | 73.8232% | 1,645 |
| Assets per employee ($millions) | 7.6780% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 4,294 |
| 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 | 45.9495% | 4,739 |
| Net loans and leases to deposits | 63.4076% | 4,283 |
| Net loans and leases to core deposits | 67.2812% | 4,281 |
| Total domestic deposits to total assets | 72.4668% | 5,049 |
| Equity capital to assets | 26.7821% | 92 |
| Core capital (leverage) ratio | 26.5590% | 91 |
| Tier 1 risk-based capital ratio | 53.1590% | 120 |
| Total risk-based capital ratio | 53.9563% | 120 |
| Memoranda: | ||
| Average total assets | $24,124,800 | 5,306 |
| Average earning assets | $21,697,600 | 5,297 |
| Average equity | $6,124,400 | 4,876 |
| Average total loans | $10,297,400 | 5,281 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6362% | 4,741 |
| Cost of funding earning assets | 0.1888% | 5,056 |
| Net interest margin | 3.4474% | 3,868 |
| Noninterest income to average assets | 0.3989% | 3,489 |
| Noninterest expense to average assets | 2.4155% | 3,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8689% | 3,667 |
| Return on assets (ROA) | 0.8689% | 3,672 |
| Pretax return on assets | 1.0766% | 3,483 |
| Return on Equity (ROE) | 3.4677% | 4,932 |
| Retained earnings to average equity (ytd only) | 3.4677% | 4,035 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1706% | 2,330 |
| Assets per employee ($millions) | 7.8157% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9138% | 573 |
| Loan loss allowance to noncurrent loans | 86.6397% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.0534% | 1,371 |
| Noncurrent loans to loans | 2.2089% | 636 |
| Net loans and leases to total assets | 46.7778% | 4,764 |
| Net loans and leases to deposits | 65.9214% | 4,204 |
| Net loans and leases to core deposits | 69.9534% | 4,193 |
| Total domestic deposits to total assets | 70.9600% | 5,182 |
| Equity capital to assets | 26.3488% | 96 |
| Core capital (leverage) ratio | 26.6453% | 92 |
| Tier 1 risk-based capital ratio | 49.3388% | 137 |
| Total risk-based capital ratio | 50.5899% | 137 |
| Memoranda: | ||
| Average total assets | $24,397,500 | 5,373 |
| Average earning assets | $21,890,250 | 5,365 |
| Average equity | $6,113,250 | 4,932 |
| Average total loans | $10,202,500 | 5,350 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4909% | 4,938 |
| Cost of funding earning assets | 0.1904% | 5,072 |
| Net interest margin | 3.3005% | 4,248 |
| Noninterest income to average assets | 0.4208% | 3,347 |
| Noninterest expense to average assets | 2.3792% | 3,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7850% | 3,904 |
| Return on assets (ROA) | 0.7850% | 3,906 |
| Pretax return on assets | 0.9873% | 3,702 |
| Return on Equity (ROE) | 3.1847% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.1847% | 3,976 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6731% | 2,218 |
| Assets per employee ($millions) | 5.8645% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0874% | 449 |
| Loan loss allowance to noncurrent loans | 86.2903% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 1,407 |
| Noncurrent loans to loans | 2.4190% | 545 |
| Net loans and leases to total assets | 42.7914% | 4,956 |
| Net loans and leases to deposits | 58.4216% | 4,619 |
| Net loans and leases to core deposits | 61.8713% | 4,604 |
| Total domestic deposits to total assets | 73.2458% | 5,102 |
| Equity capital to assets | 26.1318% | 100 |
| Core capital (leverage) ratio | 25.3848% | 103 |
| Tier 1 risk-based capital ratio | 56.2517% | 99 |
| Total risk-based capital ratio | 57.5103% | 98 |
| Memoranda: | ||
| Average total assets | $24,714,330 | 5,431 |
| Average earning assets | $22,057,330 | 5,428 |
| Average equity | $6,091,670 | 4,989 |
| Average total loans | $9,876,000 | 5,418 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3862% | 5,041 |
| Cost of funding earning assets | 0.1950% | 5,041 |
| Net interest margin | 3.1912% | 4,494 |
| Noninterest income to average assets | 0.3315% | 3,937 |
| Noninterest expense to average assets | 2.1466% | 4,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8208% | 3,626 |
| Return on assets (ROA) | 0.8208% | 3,637 |
| Pretax return on assets | 1.0259% | 3,446 |
| Return on Equity (ROE) | 3.4253% | 4,914 |
| Retained earnings to average equity (ytd only) | 3.4253% | 3,838 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6617% | 2,887 |
| Assets per employee ($millions) | 6.2480% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3678% | 296 |
| Loan loss allowance to noncurrent loans | 85.9438% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.9963% | 1,577 |
| Noncurrent loans to loans | 2.7550% | 458 |
| Net loans and leases to total assets | 35.3073% | 5,233 |
| Net loans and leases to deposits | 47.0714% | 5,072 |
| Net loans and leases to core deposits | 49.6037% | 5,050 |
| Total domestic deposits to total assets | 75.0080% | 5,063 |
| Equity capital to assets | 24.3678% | 111 |
| Core capital (leverage) ratio | 24.1797% | 119 |
| Tier 1 risk-based capital ratio | 54.0942% | 107 |
| Total risk-based capital ratio | 55.3485% | 107 |
| Memoranda: | ||
| Average total assets | $25,342,500 | 5,488 |
| Average earning assets | $22,562,000 | 5,480 |
| Average equity | $6,072,500 | 5,044 |
| Average total loans | $9,688,000 | 5,482 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5533% | 4,688 |
| Cost of funding earning assets | 0.1923% | 5,005 |
| Net interest margin | 3.3610% | 3,970 |
| Noninterest income to average assets | 0.4144% | 3,536 |
| Noninterest expense to average assets | 2.5664% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7332% | 3,459 |
| Return on assets (ROA) | 0.7332% | 3,502 |
| Pretax return on assets | 0.9126% | 3,871 |
| Return on Equity (ROE) | 2.9925% | 4,829 |
| Retained earnings to average equity (ytd only) | 0.0651% | 4,975 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7686% | 1,929 |
| Assets per employee ($millions) | 6.4233% | 1,251 |
| Cash dividends to net income (ytd only)* | 97.8261% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0700% | 469 |
| Loan loss allowance to noncurrent loans | 85.9438% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 1,595 |
| Noncurrent loans to loans | 2.4086% | 577 |
| Net loans and leases to total assets | 39.4037% | 5,156 |
| Net loans and leases to deposits | 51.9713% | 4,988 |
| Net loans and leases to core deposits | 54.6534% | 4,978 |
| Total domestic deposits to total assets | 75.8183% | 4,995 |
| Equity capital to assets | 23.5667% | 123 |
| Core capital (leverage) ratio | 23.7959% | 114 |
| Tier 1 risk-based capital ratio | 52.8644% | 108 |
| Total risk-based capital ratio | 54.1181% | 105 |
| Memoranda: | ||
| Average total assets | $25,093,800 | 5,545 |
| Average earning assets | $22,880,000 | 5,534 |
| Average equity | $6,148,800 | 5,081 |
| Average total loans | $10,750,200 | 5,523 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 4,668 |
| Cost of funding earning assets | 0.1920% | 5,039 |
| Net interest margin | 3.3637% | 3,972 |
| Noninterest income to average assets | 0.4383% | 3,414 |
| Noninterest expense to average assets | 2.1007% | 4,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1866% | 1,750 |
| Return on assets (ROA) | 1.1866% | 1,789 |
| Pretax return on assets | 1.4272% | 2,028 |
| Return on Equity (ROE) | 4.7955% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.6876% | 3,088 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5455% | 4,287 |
| Assets per employee ($millions) | 8.3187% | 561 |
| Cash dividends to net income (ytd only)* | 2.2535% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 684 |
| Loan loss allowance to noncurrent loans | 85.6000% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 1,697 |
| Noncurrent loans to loans | 2.2311% | 729 |
| Net loans and leases to total assets | 44.0415% | 5,023 |
| Net loans and leases to deposits | 59.2954% | 4,671 |
| Net loans and leases to core deposits | 62.5164% | 4,678 |
| Total domestic deposits to total assets | 74.2747% | 5,209 |
| Equity capital to assets | 25.2244% | 98 |
| Core capital (leverage) ratio | 25.2684% | 96 |
| Tier 1 risk-based capital ratio | 52.1494% | 117 |
| Total risk-based capital ratio | 53.4025% | 116 |
| Memoranda: | ||
| Average total assets | $24,944,000 | 5,606 |
| Average earning assets | $22,911,000 | 5,595 |
| Average equity | $6,172,250 | 5,130 |
| Average total loans | $10,853,250 | 5,581 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3557% | 5,025 |
| Cost of funding earning assets | 0.2010% | 4,971 |
| Net interest margin | 3.1547% | 4,532 |
| Noninterest income to average assets | 0.4491% | 3,357 |
| Noninterest expense to average assets | 2.1411% | 4,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0024% | 2,412 |
| Return on assets (ROA) | 1.0024% | 2,454 |
| Pretax return on assets | 1.2029% | 2,764 |
| Return on Equity (ROE) | 4.0774% | 4,807 |
| Retained earnings to average equity (ytd only) | 3.9143% | 3,368 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0288% | 3,663 |
| Assets per employee ($millions) | 8.3513% | 535 |
| Cash dividends to net income (ytd only)* | 4.0000% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1583% | 458 |
| Loan loss allowance to noncurrent loans | 85.2590% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 1,747 |
| Noncurrent loans to loans | 2.5315% | 586 |
| Net loans and leases to total assets | 38.7204% | 5,276 |
| Net loans and leases to deposits | 51.7469% | 5,071 |
| Net loans and leases to core deposits | 54.5214% | 5,066 |
| Total domestic deposits to total assets | 74.8264% | 5,217 |
| Equity capital to assets | 24.7266% | 105 |
| Core capital (leverage) ratio | 24.7431% | 102 |
| Tier 1 risk-based capital ratio | 49.2597% | 126 |
| Total risk-based capital ratio | 50.5095% | 124 |
| Memoranda: | ||
| Average total assets | $24,940,000 | 5,654 |
| Average earning assets | $22,886,670 | 5,643 |
| Average equity | $6,131,330 | 5,169 |
| Average total loans | $10,736,000 | 5,630 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3460% | 5,038 |
| Cost of funding earning assets | 0.1927% | 5,039 |
| Net interest margin | 3.1533% | 4,491 |
| Noninterest income to average assets | 0.4019% | 3,649 |
| Noninterest expense to average assets | 1.6718% | 5,499 |
| Loan and lease loss provision to assets | 0.0804% | 2,204 |
| Net operating income to assets | 1.3342% | 1,157 |
| Return on assets (ROA) | 1.3342% | 1,190 |
| Pretax return on assets | 1.5432% | 1,402 |
| Return on Equity (ROE) | 5.4431% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.4431% | 2,632 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7317% | 5,336 |
| Assets per employee ($millions) | 6.3958% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1176% | 535 |
| Loan loss allowance to noncurrent loans | 86.9048% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 0.9850% | 1,861 |
| Noncurrent loans to loans | 2.4367% | 652 |
| Net loans and leases to total assets | 39.5692% | 5,263 |
| Net loans and leases to deposits | 52.5025% | 5,013 |
| Net loans and leases to core deposits | 55.2324% | 5,012 |
| Total domestic deposits to total assets | 75.3665% | 5,302 |
| Equity capital to assets | 24.0238% | 117 |
| Core capital (leverage) ratio | 24.5177% | 104 |
| Tier 1 risk-based capital ratio | 70.6281% | 63 |
| Total risk-based capital ratio | 71.8911% | 63 |
| Memoranda: | ||
| Average total assets | $24,883,000 | 5,726 |
| Average earning assets | $22,833,000 | 5,708 |
| Average equity | $6,099,500 | 5,222 |
| Average total loans | $11,146,500 | 5,690 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5801% | 4,567 |
| Cost of funding earning assets | 0.1959% | 5,053 |
| Net interest margin | 3.3842% | 3,873 |
| Noninterest income to average assets | 0.4237% | 3,719 |
| Noninterest expense to average assets | 2.7008% | 3,336 |
| Loan and lease loss provision to assets | 0.1222% | 2,017 |
| Net operating income to assets | 0.5866% | 4,266 |
| Return on assets (ROA) | 0.5866% | 4,373 |
| Pretax return on assets | 0.6966% | 4,497 |
| Return on Equity (ROE) | 2.3579% | 5,319 |
| Retained earnings to average equity (ytd only) | 1.1298% | 4,847 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7361% | 1,890 |
| Assets per employee ($millions) | 6.0458% | 1,445 |
| Cash dividends to net income (ytd only)* | 52.0833% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 962 |
| Loan loss allowance to noncurrent loans | 84.9206% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.0421% | 1,814 |
| Noncurrent loans to loans | 2.1086% | 830 |
| Net loans and leases to total assets | 48.5341% | 4,857 |
| Net loans and leases to deposits | 65.2999% | 4,309 |
| Net loans and leases to core deposits | 68.9519% | 4,325 |
| Total domestic deposits to total assets | 74.3249% | 5,414 |
| Equity capital to assets | 25.0300% | 103 |
| Core capital (leverage) ratio | 25.2981% | 95 |
| Tier 1 risk-based capital ratio | 59.3756% | 85 |
| Total risk-based capital ratio | 60.6283% | 83 |
| Memoranda: | ||
| Average total assets | $24,548,400 | 5,782 |
| Average earning assets | $22,457,200 | 5,766 |
| Average equity | $6,107,200 | 5,263 |
| Average total loans | $11,526,800 | 5,738 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5857% | 4,592 |
| Cost of funding earning assets | 0.1949% | 5,125 |
| Net interest margin | 3.3908% | 3,881 |
| Noninterest income to average assets | 0.4112% | 3,837 |
| Noninterest expense to average assets | 2.1645% | 4,856 |
| Loan and lease loss provision to assets | 0.1623% | 1,425 |
| Net operating income to assets | 0.9686% | 2,575 |
| Return on assets (ROA) | 0.9686% | 2,711 |
| Pretax return on assets | 1.1905% | 2,870 |
| Return on Equity (ROE) | 3.8992% | 4,940 |
| Retained earnings to average equity (ytd only) | 3.8992% | 3,530 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5385% | 4,309 |
| Assets per employee ($millions) | 5.8848% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8604% | 912 |
| Loan loss allowance to noncurrent loans | 84.9206% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.0706% | 1,918 |
| Noncurrent loans to loans | 2.1907% | 856 |
| Net loans and leases to total assets | 47.9587% | 4,961 |
| Net loans and leases to deposits | 65.6795% | 4,372 |
| Net loans and leases to core deposits | 69.5264% | 4,362 |
| Total domestic deposits to total assets | 73.0192% | 5,521 |
| Equity capital to assets | 26.3648% | 87 |
| Core capital (leverage) ratio | 25.1640% | 96 |
| Tier 1 risk-based capital ratio | 49.4992% | 136 |
| Total risk-based capital ratio | 50.7493% | 134 |
| Memoranda: | ||
| Average total assets | $24,639,750 | 5,841 |
| Average earning assets | $22,570,500 | 5,828 |
| Average equity | $6,120,750 | 5,315 |
| Average total loans | $11,420,750 | 5,800 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5293% | 4,788 |
| Cost of funding earning assets | 0.1917% | 5,225 |
| Net interest margin | 3.3376% | 4,096 |
| Noninterest income to average assets | 0.3999% | 3,868 |
| Noninterest expense to average assets | 2.0874% | 5,087 |
| Loan and lease loss provision to assets | 0.1600% | 1,423 |
| Net operating income to assets | 0.9677% | 2,536 |
| Return on assets (ROA) | 0.9677% | 2,681 |
| Pretax return on assets | 1.2157% | 2,723 |
| Return on Equity (ROE) | 3.9737% | 4,922 |
| Retained earnings to average equity (ytd only) | 3.9737% | 3,372 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2771% | 4,610 |
| Assets per employee ($millions) | 6.3753% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 971 |
| Loan loss allowance to noncurrent loans | 80.9524% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.9882% | 2,165 |
| Noncurrent loans to loans | 2.2928% | 797 |
| Net loans and leases to total assets | 42.3003% | 5,324 |
| Net loans and leases to deposits | 56.1706% | 5,000 |
| Net loans and leases to core deposits | 59.0939% | 5,018 |
| Total domestic deposits to total assets | 75.3069% | 5,376 |
| Equity capital to assets | 24.1363% | 112 |
| Core capital (leverage) ratio | 24.4204% | 102 |
| Tier 1 risk-based capital ratio | 66.4639% | 74 |
| Total risk-based capital ratio | 67.7237% | 74 |
| Memoranda: | ||
| Average total assets | $25,006,670 | 5,910 |
| Average earning assets | $22,950,670 | 5,897 |
| Average equity | $6,090,000 | 5,369 |
| Average total loans | $11,393,330 | 5,877 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6176% | 4,573 |
| Cost of funding earning assets | 0.1941% | 5,255 |
| Net interest margin | 3.4235% | 3,789 |
| Noninterest income to average assets | 0.3877% | 3,920 |
| Noninterest expense to average assets | 1.9063% | 5,516 |
| Loan and lease loss provision to assets | 0.1616% | 1,283 |
| Net operating income to assets | 1.2117% | 1,517 |
| Return on assets (ROA) | 1.2117% | 1,618 |
| Pretax return on assets | 1.4540% | 1,737 |
| Return on Equity (ROE) | 4.9525% | 4,505 |
| Retained earnings to average equity (ytd only) | 4.9525% | 2,974 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1284% | 5,371 |
| Assets per employee ($millions) | 8.5167% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7490% | 1,252 |
| Loan loss allowance to noncurrent loans | 76.9841% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 0.9863% | 2,238 |
| Noncurrent loans to loans | 2.2719% | 888 |
| Net loans and leases to total assets | 42.6536% | 5,318 |
| Net loans and leases to deposits | 56.3845% | 4,959 |
| Net loans and leases to core deposits | 59.2959% | 4,982 |
| Total domestic deposits to total assets | 75.6477% | 5,458 |
| Equity capital to assets | 23.8708% | 112 |
| Core capital (leverage) ratio | 24.0811% | 106 |
| Tier 1 risk-based capital ratio | 52.4348% | 117 |
| Total risk-based capital ratio | 53.6868% | 117 |
| Memoranda: | ||
| Average total assets | $24,759,500 | 5,974 |
| Average earning assets | $22,667,000 | 5,958 |
| Average equity | $6,057,500 | 5,409 |
| Average total loans | $11,594,500 | 5,928 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3583% | 5,249 |
| Cost of funding earning assets | 0.2043% | 5,250 |
| Net interest margin | 3.1539% | 4,768 |
| Noninterest income to average assets | 0.4096% | 3,960 |
| Noninterest expense to average assets | 2.7093% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5394% | 4,543 |
| Return on assets (ROA) | 0.5394% | 4,632 |
| Pretax return on assets | 0.5800% | 4,901 |
| Return on Equity (ROE) | 2.1979% | 5,521 |
| Retained earnings to average equity (ytd only) | 0.9585% | 5,139 |
| Net charge-offs to loans | -0.0092% | 5,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3674% | 1,358 |
| Assets per employee ($millions) | 5.9923% | 1,395 |
| Cash dividends to net income (ytd only)* | 56.3910% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,895 |
| Loan loss allowance to noncurrent loans | 67.1533% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.1431% | 1,912 |
| Noncurrent loans to loans | 2.2650% | 857 |
| Net loans and leases to total assets | 49.7017% | 4,899 |
| Net loans and leases to deposits | 66.7844% | 4,242 |
| Net loans and leases to core deposits | 70.5329% | 4,264 |
| Total domestic deposits to total assets | 74.4211% | 5,606 |
| Equity capital to assets | 25.0991% | 91 |
| Core capital (leverage) ratio | 24.3514% | 98 |
| Tier 1 risk-based capital ratio | 42.7909% | 194 |
| Total risk-based capital ratio | 44.0394% | 192 |
| Memoranda: | ||
| Average total assets | $24,655,400 | 6,031 |
| Average earning assets | $22,511,600 | 6,017 |
| Average equity | $6,051,200 | 5,425 |
| Average total loans | $10,851,400 | 5,998 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5250% | 4,925 |
| Cost of funding earning assets | 0.2053% | 5,329 |
| Net interest margin | 3.3197% | 4,261 |
| Noninterest income to average assets | 0.3920% | 4,138 |
| Noninterest expense to average assets | 2.1911% | 5,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0418% | 2,264 |
| Return on assets (ROA) | 1.0418% | 2,355 |
| Pretax return on assets | 1.2405% | 2,649 |
| Return on Equity (ROE) | 4.2683% | 4,928 |
| Retained earnings to average equity (ytd only) | 4.2683% | 3,428 |
| Net charge-offs to loans | -0.0126% | 5,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8498% | 4,275 |
| Assets per employee ($millions) | 6.1148% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7086% | 1,451 |
| Loan loss allowance to noncurrent loans | 67.1533% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 1.1202% | 2,121 |
| Noncurrent loans to loans | 2.5443% | 798 |
| Net loans and leases to total assets | 43.2765% | 5,400 |
| Net loans and leases to deposits | 58.2201% | 4,985 |
| Net loans and leases to core deposits | 61.4193% | 4,973 |
| Total domestic deposits to total assets | 74.3326% | 5,685 |
| Equity capital to assets | 25.1850% | 93 |
| Core capital (leverage) ratio | 24.5950% | 94 |
| Tier 1 risk-based capital ratio | 47.8770% | 155 |
| Total risk-based capital ratio | 49.1258% | 155 |
| Memoranda: | ||
| Average total assets | $24,827,000 | 6,114 |
| Average earning assets | $22,732,250 | 6,097 |
| Average equity | $6,060,000 | 5,488 |
| Average total loans | $10,540,000 | 6,084 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4431% | 5,130 |
| Cost of funding earning assets | 0.2097% | 5,356 |
| Net interest margin | 3.2333% | 4,553 |
| Noninterest income to average assets | 0.3848% | 4,197 |
| Noninterest expense to average assets | 2.1323% | 5,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9940% | 2,417 |
| Return on assets (ROA) | 0.9940% | 2,529 |
| Pretax return on assets | 1.2185% | 2,702 |
| Return on Equity (ROE) | 4.1150% | 4,973 |
| Retained earnings to average equity (ytd only) | 4.1150% | 3,406 |
| Net charge-offs to loans | -0.0191% | 5,162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6364% | 4,406 |
| Assets per employee ($millions) | 8.3663% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8507% | 1,264 |
| Loan loss allowance to noncurrent loans | 67.1533% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.0917% | 2,328 |
| Noncurrent loans to loans | 2.7560% | 767 |
| Net loans and leases to total assets | 38.8780% | 5,691 |
| Net loans and leases to deposits | 51.5805% | 5,410 |
| Net loans and leases to core deposits | 54.2925% | 5,403 |
| Total domestic deposits to total assets | 75.3735% | 5,665 |
| Equity capital to assets | 24.2161% | 103 |
| Core capital (leverage) ratio | 23.8671% | 105 |
| Tier 1 risk-based capital ratio | 42.8269% | 221 |
| Total risk-based capital ratio | 44.0741% | 219 |
| Memoranda: | ||
| Average total assets | $24,949,670 | 6,188 |
| Average earning assets | $22,886,670 | 6,164 |
| Average equity | $6,026,670 | 5,544 |
| Average total loans | $10,463,670 | 6,155 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5070% | 4,940 |
| Cost of funding earning assets | 0.2104% | 5,413 |
| Net interest margin | 3.2966% | 4,234 |
| Noninterest income to average assets | 0.3698% | 4,249 |
| Noninterest expense to average assets | 2.0905% | 5,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1578% | 1,675 |
| Return on assets (ROA) | 1.1578% | 1,781 |
| Pretax return on assets | 1.3025% | 2,272 |
| Return on Equity (ROE) | 4.7992% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.7992% | 3,174 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6114% | 4,865 |
| Assets per employee ($millions) | 6.6158% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8765% | 1,326 |
| Loan loss allowance to noncurrent loans | 66.7883% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.0354% | 2,549 |
| Noncurrent loans to loans | 2.8097% | 818 |
| Net loans and leases to total assets | 36.1599% | 5,820 |
| Net loans and leases to deposits | 47.1194% | 5,614 |
| Net loans and leases to core deposits | 49.4164% | 5,616 |
| Total domestic deposits to total assets | 76.7411% | 5,656 |
| Equity capital to assets | 22.8546% | 132 |
| Core capital (leverage) ratio | 23.3306% | 110 |
| Tier 1 risk-based capital ratio | 46.1970% | 178 |
| Total risk-based capital ratio | 47.4493% | 176 |
| Memoranda: | ||
| Average total assets | $24,875,000 | 6,256 |
| Average earning assets | $22,811,500 | 6,229 |
| Average equity | $6,001,000 | 5,599 |
| Average total loans | $10,724,500 | 6,212 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 3,895 |
| Cost of funding earning assets | 0.2271% | 5,545 |
| Net interest margin | 3.7289% | 2,886 |
| Noninterest income to average assets | 0.3974% | 4,199 |
| Noninterest expense to average assets | 2.9180% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8195% | 3,284 |
| Return on assets (ROA) | 0.8195% | 3,370 |
| Pretax return on assets | 0.8775% | 3,972 |
| Return on Equity (ROE) | 3.2871% | 5,381 |
| Retained earnings to average equity (ytd only) | 0.3818% | 5,607 |
| Net charge-offs to loans | -0.0178% | 5,681 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8811% | 2,376 |
| Assets per employee ($millions) | 5.8218% | 1,509 |
| Cash dividends to net income (ytd only)* | 88.3838% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 2,213 |
| 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 | 49.4439% | 5,022 |
| Net loans and leases to deposits | 66.8602% | 4,229 |
| Net loans and leases to core deposits | 70.7379% | 4,246 |
| Total domestic deposits to total assets | 73.9511% | 5,952 |
| Equity capital to assets | 25.5679% | 91 |
| Core capital (leverage) ratio | 24.9454% | 92 |
| Tier 1 risk-based capital ratio | 46.4722% | 159 |
| Total risk-based capital ratio | 47.7237% | 157 |
| Memoranda: | ||
| Average total assets | $24,160,000 | 6,351 |
| Average earning assets | $22,017,400 | 6,329 |
| Average equity | $6,023,600 | 5,614 |
| Average total loans | $11,219,600 | 6,277 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9021% | 4,165 |
| Cost of funding earning assets | 0.2278% | 5,612 |
| Net interest margin | 3.6743% | 3,130 |
| Noninterest income to average assets | 0.3992% | 4,247 |
| Noninterest expense to average assets | 2.3354% | 5,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2361% | 1,562 |
| Return on assets (ROA) | 1.2361% | 1,621 |
| Pretax return on assets | 1.4165% | 1,940 |
| Return on Equity (ROE) | 4.9881% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.9881% | 3,086 |
| Net charge-offs to loans | -0.0120% | 5,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2449% | 4,853 |
| Assets per employee ($millions) | 5.9340% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 2,479 |
| 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 | 48.5086% | 5,153 |
| Net loans and leases to deposits | 65.8733% | 4,342 |
| Net loans and leases to core deposits | 69.6257% | 4,360 |
| Total domestic deposits to total assets | 73.6392% | 6,045 |
| Equity capital to assets | 25.9648% | 86 |
| Core capital (leverage) ratio | 25.3601% | 85 |
| Tier 1 risk-based capital ratio | 47.1998% | 152 |
| Total risk-based capital ratio | 48.4520% | 153 |
| Memoranda: | ||
| Average total assets | $24,378,250 | 6,425 |
| Average earning assets | $22,243,750 | 6,404 |
| Average equity | $6,041,000 | 5,670 |
| Average total loans | $11,100,250 | 6,353 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 3,969 |
| Cost of funding earning assets | 0.2229% | 5,721 |
| Net interest margin | 3.7187% | 2,887 |
| Noninterest income to average assets | 0.4473% | 3,894 |
| Noninterest expense to average assets | 2.4154% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2768% | 1,371 |
| Return on assets (ROA) | 1.2768% | 1,431 |
| Pretax return on assets | 1.4232% | 1,807 |
| Return on Equity (ROE) | 5.2330% | 4,566 |
| Retained earnings to average equity (ytd only) | 5.2330% | 2,811 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9237% | 4,869 |
| Assets per employee ($millions) | 6.1630% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7621% | 1,946 |
| 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 | 40.9338% | 5,748 |
| Net loans and leases to deposits | 54.6286% | 5,310 |
| Net loans and leases to core deposits | 57.5609% | 5,302 |
| Total domestic deposits to total assets | 74.9310% | 6,032 |
| Equity capital to assets | 24.7079% | 95 |
| Core capital (leverage) ratio | 24.2457% | 95 |
| Tier 1 risk-based capital ratio | 51.5705% | 125 |
| Total risk-based capital ratio | 52.8268% | 125 |
| Memoranda: | ||
| Average total assets | $24,592,330 | 6,486 |
| Average earning assets | $22,427,000 | 6,467 |
| Average equity | $6,000,330 | 5,720 |
| Average total loans | $10,901,670 | 6,419 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3930% | 2,162 |
| Cost of funding earning assets | 0.2331% | 5,729 |
| Net interest margin | 4.1599% | 1,318 |
| Noninterest income to average assets | 0.4071% | 4,121 |
| Noninterest expense to average assets | 2.1008% | 5,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9379% | 374 |
| Return on assets (ROA) | 1.9379% | 393 |
| Pretax return on assets | 2.0845% | 441 |
| Return on Equity (ROE) | 7.9933% | 2,929 |
| Retained earnings to average equity (ytd only) | 7.9933% | 1,594 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1946% | 6,245 |
| Assets per employee ($millions) | 6.2830% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8055% | 2,020 |
| Loan loss allowance to noncurrent loans | 441.4634% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 5,747 |
| Noncurrent loans to loans | 0.4090% | 4,908 |
| Net loans and leases to total assets | 39.1692% | 5,867 |
| Net loans and leases to deposits | 51.7669% | 5,469 |
| Net loans and leases to core deposits | 54.4590% | 5,469 |
| Total domestic deposits to total assets | 75.6645% | 6,104 |
| Equity capital to assets | 24.0013% | 113 |
| Core capital (leverage) ratio | 24.5836% | 94 |
| Tier 1 risk-based capital ratio | 51.7487% | 121 |
| Total risk-based capital ratio | 53.0002% | 119 |
| Memoranda: | ||
| Average total assets | $24,562,500 | 6,556 |
| Average earning assets | $22,308,000 | 6,539 |
| Average equity | $5,955,000 | 5,758 |
| Average total loans | $11,216,500 | 6,473 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 3,043 |
| Cost of funding earning assets | 0.2705% | 5,827 |
| Net interest margin | 4.0069% | 1,927 |
| Noninterest income to average assets | 0.4124% | 4,360 |
| Noninterest expense to average assets | 2.8575% | 3,502 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0580% | 2,080 |
| Return on assets (ROA) | 1.0580% | 2,162 |
| Pretax return on assets | 1.1955% | 2,599 |
| Return on Equity (ROE) | 4.2059% | 5,005 |
| Retained earnings to average equity (ytd only) | -0.0166% | 5,868 |
| Net charge-offs to loans | -0.1026% | 6,480 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5036% | 3,753 |
| Assets per employee ($millions) | 5.9983% | 1,272 |
| Cash dividends to net income (ytd only)* | 100.3937% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 3,414 |
| 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 | 50.9649% | 4,973 |
| Net loans and leases to deposits | 68.8630% | 3,925 |
| Net loans and leases to core deposits | 72.7078% | 3,988 |
| Total domestic deposits to total assets | 74.0091% | 6,280 |
| Equity capital to assets | 24.4988% | 103 |
| Core capital (leverage) ratio | 24.6562% | 91 |
| Tier 1 risk-based capital ratio | 41.9556% | 201 |
| Total risk-based capital ratio | 43.2036% | 197 |
| Memoranda: | ||
| Average total assets | $24,006,600 | 6,639 |
| Average earning assets | $21,812,600 | 6,622 |
| Average equity | $6,039,200 | 5,818 |
| Average total loans | $11,691,600 | 6,530 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1690% | 3,493 |
| Cost of funding earning assets | 0.2804% | 5,888 |
| Net interest margin | 3.8886% | 2,317 |
| Noninterest income to average assets | 0.4276% | 4,316 |
| Noninterest expense to average assets | 2.2712% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5160% | 871 |
| Return on assets (ROA) | 1.5160% | 919 |
| Pretax return on assets | 1.6993% | 1,100 |
| Return on Equity (ROE) | 5.9872% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.9872% | 2,416 |
| Net charge-offs to loans | -0.1274% | 6,558 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2028% | 5,776 |
| Assets per employee ($millions) | 5.9683% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 3,814 |
| 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 | 52.0839% | 4,865 |
| Net loans and leases to deposits | 70.9906% | 3,644 |
| Net loans and leases to core deposits | 75.0030% | 3,732 |
| Total domestic deposits to total assets | 73.3674% | 6,409 |
| Equity capital to assets | 25.8200% | 84 |
| Core capital (leverage) ratio | 25.8518% | 80 |
| Tier 1 risk-based capital ratio | 44.6681% | 177 |
| Total risk-based capital ratio | 45.9163% | 175 |
| Memoranda: | ||
| Average total assets | $24,010,000 | 6,718 |
| Average earning assets | $21,875,250 | 6,699 |
| Average equity | $6,079,500 | 5,874 |
| Average total loans | $11,512,500 | 6,608 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 3,924 |
| Cost of funding earning assets | 0.2919% | 5,888 |
| Net interest margin | 3.7580% | 2,731 |
| Noninterest income to average assets | 0.3991% | 4,536 |
| Noninterest expense to average assets | 2.2032% | 5,620 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4383% | 1,005 |
| Return on assets (ROA) | 1.4383% | 1,088 |
| Pretax return on assets | 1.6212% | 1,305 |
| Return on Equity (ROE) | 5.7178% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.7178% | 2,599 |
| Net charge-offs to loans | -0.1974% | 6,660 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6087% | 5,786 |
| Assets per employee ($millions) | 6.0288% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 3,333 |
| 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 | 46.9542% | 5,428 |
| Net loans and leases to deposits | 62.9160% | 4,636 |
| Net loans and leases to core deposits | 66.3677% | 4,656 |
| Total domestic deposits to total assets | 74.6299% | 6,390 |
| Equity capital to assets | 25.1213% | 88 |
| Core capital (leverage) ratio | 24.8612% | 84 |
| Tier 1 risk-based capital ratio | 45.7254% | 161 |
| Total risk-based capital ratio | 46.9789% | 162 |
| Memoranda: | ||
| Average total assets | $24,055,670 | 6,767 |
| Average earning assets | $21,926,330 | 6,746 |
| Average equity | $6,051,330 | 5,919 |
| Average total loans | $11,145,670 | 6,664 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 3,393 |
| Cost of funding earning assets | 0.3115% | 5,877 |
| Net interest margin | 3.8665% | 2,226 |
| Noninterest income to average assets | 0.4162% | 4,340 |
| Noninterest expense to average assets | 2.1643% | 5,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5816% | 731 |
| Return on assets (ROA) | 1.5816% | 790 |
| Pretax return on assets | 1.7648% | 945 |
| Return on Equity (ROE) | 6.2831% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.2831% | 2,519 |
| Net charge-offs to loans | -0.4012% | 6,821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0847% | 6,145 |
| Assets per employee ($millions) | 4.9538% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 2,699 |
| 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 | 39.9047% | 6,006 |
| Net loans and leases to deposits | 53.2142% | 5,501 |
| Net loans and leases to core deposits | 56.0349% | 5,516 |
| Total domestic deposits to total assets | 74.9889% | 6,460 |
| Equity capital to assets | 24.5751% | 100 |
| Core capital (leverage) ratio | 24.1865% | 94 |
| Tier 1 risk-based capital ratio | 49.6942% | 135 |
| Total risk-based capital ratio | 50.9504% | 136 |
| Memoranda: | ||
| Average total assets | $24,026,000 | 6,838 |
| Average earning assets | $21,828,500 | 6,818 |
| Average equity | $6,048,000 | 5,969 |
| Average total loans | $10,967,500 | 6,735 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5913% | 3,038 |
| Cost of funding earning assets | 0.3558% | 6,175 |
| Net interest margin | 4.2355% | 1,559 |
| Noninterest income to average assets | 0.4451% | 4,283 |
| Noninterest expense to average assets | 3.0579% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2641% | 1,410 |
| Return on assets (ROA) | 1.2641% | 1,566 |
| Pretax return on assets | 1.2018% | 2,802 |
| Return on Equity (ROE) | 4.6714% | 4,850 |
| Retained earnings to average equity (ytd only) | 0.5592% | 5,571 |
| Net charge-offs to loans | -0.2558% | 6,958 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7868% | 3,459 |
| Assets per employee ($millions) | 4.6566% | 2,696 |
| Cash dividends to net income (ytd only)* | 88.0282% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 4,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 50.2684% | 5,131 |
| Net loans and leases to deposits | 68.2967% | 3,936 |
| Net loans and leases to core deposits | 72.2291% | 4,014 |
| Total domestic deposits to total assets | 73.6031% | 6,569 |
| Equity capital to assets | 25.8085% | 87 |
| Core capital (leverage) ratio | 25.1359% | 95 |
| Tier 1 risk-based capital ratio | 40.7492% | 230 |
| Total risk-based capital ratio | 41.9059% | 225 |
| Memoranda: | ||
| Average total assets | $22,466,200 | 6,916 |
| Average earning assets | $20,233,800 | 6,901 |
| Average equity | $6,079,600 | 6,003 |
| Average total loans | $11,335,800 | 6,799 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5529% | 3,415 |
| Cost of funding earning assets | 0.3656% | 6,298 |
| Net interest margin | 4.1873% | 1,771 |
| Noninterest income to average assets | 0.4252% | 4,438 |
| Noninterest expense to average assets | 2.3238% | 5,620 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5212% | 980 |
| Return on assets (ROA) | 1.5212% | 1,092 |
| Pretax return on assets | 1.8746% | 916 |
| Return on Equity (ROE) | 5.5543% | 4,568 |
| Retained earnings to average equity (ytd only) | 5.5543% | 3,001 |
| Net charge-offs to loans | -0.3452% | 7,065 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3495% | 6,126 |
| Assets per employee ($millions) | 4.7216% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 4,118 |
| 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 | 48.0685% | 5,535 |
| Net loans and leases to deposits | 66.0651% | 4,465 |
| Net loans and leases to core deposits | 69.8510% | 4,511 |
| Total domestic deposits to total assets | 72.7592% | 6,696 |
| Equity capital to assets | 26.4190% | 92 |
| Core capital (leverage) ratio | 26.9530% | 77 |
| Tier 1 risk-based capital ratio | 42.8931% | 198 |
| Total risk-based capital ratio | 44.0671% | 196 |
| Memoranda: | ||
| Average total assets | $22,262,000 | 7,014 |
| Average earning assets | $20,060,000 | 6,992 |
| Average equity | $6,097,250 | 6,070 |
| Average total loans | $11,201,750 | 6,893 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 3,498 |
| Cost of funding earning assets | 0.3677% | 6,428 |
| Net interest margin | 4.1976% | 1,759 |
| Noninterest income to average assets | 0.4218% | 4,487 |
| Noninterest expense to average assets | 2.3472% | 5,623 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4211% | 1,146 |
| Return on assets (ROA) | 1.4211% | 1,279 |
| Pretax return on assets | 1.8429% | 955 |
| Return on Equity (ROE) | 5.1234% | 4,751 |
| Retained earnings to average equity (ytd only) | 5.1234% | 3,209 |
| Net charge-offs to loans | -0.5227% | 7,136 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0175% | 6,111 |
| Assets per employee ($millions) | 4.3752% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 3,976 |
| 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 | 50.2011% | 5,332 |
| Net loans and leases to deposits | 70.6193% | 3,804 |
| Net loans and leases to core deposits | 75.1060% | 3,870 |
| Total domestic deposits to total assets | 71.0870% | 6,851 |
| Equity capital to assets | 28.0490% | 74 |
| Core capital (leverage) ratio | 27.4101% | 73 |
| Tier 1 risk-based capital ratio | 43.4492% | 187 |
| Total risk-based capital ratio | 44.6579% | 188 |
| Memoranda: | ||
| Average total assets | $21,813,330 | 7,080 |
| Average earning assets | $19,582,670 | 7,061 |
| Average equity | $6,050,670 | 6,107 |
| Average total loans | $11,097,000 | 6,956 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 3,902 |
| Cost of funding earning assets | 0.3889% | 6,459 |
| Net interest margin | 4.1140% | 2,045 |
| Noninterest income to average assets | 0.4040% | 4,637 |
| Noninterest expense to average assets | 2.2037% | 6,038 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6527% | 791 |
| Return on assets (ROA) | 1.6527% | 883 |
| Pretax return on assets | 1.8915% | 893 |
| Return on Equity (ROE) | 5.9920% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.9920% | 2,964 |
| Net charge-offs to loans | -1.0478% | 7,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8117% | 6,371 |
| Assets per employee ($millions) | 5.6015% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 3,609 |
| 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 | 45.2602% | 5,872 |
| Net loans and leases to deposits | 62.6529% | 4,814 |
| Net loans and leases to core deposits | 66.4591% | 4,862 |
| Total domestic deposits to total assets | 72.2396% | 6,863 |
| Equity capital to assets | 27.0151% | 74 |
| Core capital (leverage) ratio | 27.0856% | 72 |
| Tier 1 risk-based capital ratio | 46.4505% | 148 |
| Total risk-based capital ratio | 47.7024% | 145 |
| Memoranda: | ||
| Average total assets | $21,782,000 | 7,141 |
| Average earning assets | $19,543,000 | 7,123 |
| Average equity | $6,008,000 | 6,145 |
| Average total loans | $11,070,500 | 7,020 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3961% | 1,427 |
| Cost of funding earning assets | 0.4857% | 6,592 |
| Net interest margin | 4.9105% | 492 |
| Noninterest income to average assets | 0.4465% | 4,248 |
| Noninterest expense to average assets | 3.3604% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9745% | 2,301 |
| Return on assets (ROA) | 0.9745% | 2,438 |
| Pretax return on assets | 1.4546% | 1,615 |
| Return on Equity (ROE) | 3.4456% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.2759% | 3,893 |
| Net charge-offs to loans | -0.1803% | 7,205 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7906% | 4,008 |
| Assets per employee ($millions) | 5.2895% | 1,842 |
| Cash dividends to net income (ytd only)* | 4.9261% | 3,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 5,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 55.2651% | 4,843 |
| Net loans and leases to deposits | 77.8806% | 2,860 |
| Net loans and leases to core deposits | 82.9938% | 3,025 |
| Total domestic deposits to total assets | 70.9613% | 6,937 |
| Equity capital to assets | 28.1832% | 74 |
| Core capital (leverage) ratio | 27.9193% | 74 |
| Tier 1 risk-based capital ratio | 44.7623% | 167 |
| Total risk-based capital ratio | 45.8197% | 167 |
| Memoranda: | ||
| Average total assets | $20,831,000 | 7,190 |
| Average earning assets | $18,531,800 | 7,174 |
| Average equity | $5,891,600 | 6,184 |
| Average total loans | $12,200,800 | 7,026 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4271% | 1,437 |
| Cost of funding earning assets | 0.4973% | 6,702 |
| Net interest margin | 4.9298% | 478 |
| Noninterest income to average assets | 0.4369% | 4,385 |
| Noninterest expense to average assets | 2.6538% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7542% | 560 |
| Return on assets (ROA) | 1.7542% | 615 |
| Pretax return on assets | 2.1783% | 446 |
| Return on Equity (ROE) | 6.1969% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.1969% | 2,428 |
| Net charge-offs to loans | -0.2061% | 7,265 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9202% | 6,394 |
| Assets per employee ($millions) | 4.1392% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 6,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 63.6935% | 3,369 |
| Net loans and leases to deposits | 90.8978% | 1,118 |
| Net loans and leases to core deposits | 97.0764% | 1,501 |
| Total domestic deposits to total assets | 70.0715% | 7,037 |
| Equity capital to assets | 29.2134% | 84 |
| Core capital (leverage) ratio | 29.0969% | 83 |
| Tier 1 risk-based capital ratio | 41.3592% | 224 |
| Total risk-based capital ratio | 42.3024% | 227 |
| Memoranda: | ||
| Average total assets | $20,749,250 | 7,264 |
| Average earning assets | $18,499,250 | 7,246 |
| Average equity | $5,873,750 | 6,231 |
| Average total loans | $12,293,000 | 7,089 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2967% | 1,907 |
| Cost of funding earning assets | 0.5189% | 6,782 |
| Net interest margin | 4.7779% | 625 |
| Noninterest income to average assets | 0.4334% | 4,406 |
| Noninterest expense to average assets | 2.6773% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7335% | 562 |
| Return on assets (ROA) | 1.7335% | 607 |
| Pretax return on assets | 2.0128% | 579 |
| Return on Equity (ROE) | 6.1895% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.1895% | 2,305 |
| Net charge-offs to loans | -0.3180% | 7,353 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0842% | 6,284 |
| Assets per employee ($millions) | 4.1206% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 5,717 |
| 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 | 56.2345% | 4,956 |
| Net loans and leases to deposits | 79.4814% | 2,891 |
| Net loans and leases to core deposits | 84.8418% | 3,093 |
| Total domestic deposits to total assets | 70.7518% | 7,071 |
| Equity capital to assets | 28.7337% | 89 |
| Core capital (leverage) ratio | 27.6386% | 92 |
| Tier 1 risk-based capital ratio | 44.0402% | 189 |
| Total risk-based capital ratio | 45.0604% | 190 |
| Memoranda: | ||
| Average total assets | $20,767,000 | 7,331 |
| Average earning assets | $18,502,000 | 7,315 |
| Average equity | $5,816,330 | 6,283 |
| Average total loans | $11,951,330 | 7,173 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2748% | 1,956 |
| Cost of funding earning assets | 0.5621% | 6,759 |
| Net interest margin | 4.7127% | 685 |
| Noninterest income to average assets | 0.4029% | 4,678 |
| Noninterest expense to average assets | 2.3406% | 6,079 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.2447% | 242 |
| Return on assets (ROA) | 2.2447% | 258 |
| Pretax return on assets | 2.2447% | 368 |
| Return on Equity (ROE) | 8.1187% | 2,857 |
| Retained earnings to average equity (ytd only) | 8.1187% | 1,686 |
| Net charge-offs to loans | -0.6299% | 7,439 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0460% | 6,915 |
| Assets per employee ($millions) | 5.2368% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 5,324 |
| 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 | 50.7328% | 5,748 |
| Net loans and leases to deposits | 70.7570% | 4,229 |
| Net loans and leases to core deposits | 75.3688% | 4,372 |
| Total domestic deposits to total assets | 71.7000% | 7,099 |
| Equity capital to assets | 27.8465% | 90 |
| Core capital (leverage) ratio | 27.7284% | 88 |
| Tier 1 risk-based capital ratio | 45.3502% | 169 |
| Total risk-based capital ratio | 46.4121% | 169 |
| Memoranda: | ||
| Average total assets | $20,849,000 | 7,386 |
| Average earning assets | $18,503,000 | 7,375 |
| Average equity | $5,764,500 | 6,318 |
| Average total loans | $12,066,000 | 7,224 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5927% | 1,924 |
| Cost of funding earning assets | 0.7878% | 6,623 |
| Net interest margin | 4.8050% | 664 |
| Noninterest income to average assets | 0.5178% | 4,041 |
| Noninterest expense to average assets | 3.2911% | 2,766 |
| Loan and lease loss provision to assets | 0.0299% | 6,830 |
| Net operating income to assets | 1.0605% | 1,836 |
| Return on assets (ROA) | 1.0605% | 1,929 |
| Pretax return on assets | 1.4788% | 1,428 |
| Return on Equity (ROE) | 3.8263% | 4,598 |
| Retained earnings to average equity (ytd only) | 3.8263% | 3,185 |
| Net charge-offs to loans | 0.0165% | 6,656 |
| Credit loss provision to net charge-offs | 300.0000% | 889 |
| Earnings coverage of net charge-offs (x) | 151.5000% | 165 |
| Efficiency ratio | 68.5685% | 4,443 |
| Assets per employee ($millions) | 5.1878% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 6,789 |
| Loan loss allowance to noncurrent loans | 1,462.5000% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 7,144 |
| Noncurrent loans to loans | 0.0598% | 6,971 |
| Net loans and leases to total assets | 63.8620% | 3,903 |
| Net loans and leases to deposits | 91.7030% | 1,296 |
| Net loans and leases to core deposits | 97.9091% | 1,807 |
| Total domestic deposits to total assets | 69.6400% | 7,254 |
| Equity capital to assets | 27.4493% | 94 |
| Core capital (leverage) ratio | 27.9363% | 95 |
| Tier 1 risk-based capital ratio | 38.8961% | 259 |
| Total risk-based capital ratio | 39.6963% | 260 |
| Memoranda: | ||
| Average total assets | $20,084,200 | 7,464 |
| Average earning assets | $17,898,200 | 7,450 |
| Average equity | $5,566,800 | 6,492 |
| Average total loans | $12,154,000 | 7,295 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4205% | 2,792 |
| Cost of funding earning assets | 0.8299% | 6,654 |
| Net interest margin | 4.5906% | 1,065 |
| Noninterest income to average assets | 0.5222% | 4,012 |
| Noninterest expense to average assets | 2.6241% | 5,227 |
| Loan and lease loss provision to assets | 0.0402% | 6,683 |
| Net operating income to assets | 1.6267% | 706 |
| Return on assets (ROA) | 1.6267% | 773 |
| Pretax return on assets | 1.9681% | 664 |
| Return on Equity (ROE) | 5.8540% | 3,882 |
| Retained earnings to average equity (ytd only) | 5.8540% | 2,440 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6474% | 6,467 |
| Assets per employee ($millions) | 5.0093% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 6,725 |
| Loan loss allowance to noncurrent loans | 595.0000% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 7,104 |
| Noncurrent loans to loans | 0.1523% | 6,870 |
| Net loans and leases to total assets | 64.9349% | 3,919 |
| Net loans and leases to deposits | 91.5816% | 1,504 |
| Net loans and leases to core deposits | 97.8639% | 2,057 |
| Total domestic deposits to total assets | 70.9038% | 7,224 |
| Equity capital to assets | 28.3675% | 95 |
| Core capital (leverage) ratio | 27.6410% | 97 |
| Tier 1 risk-based capital ratio | 39.5701% | 254 |
| Total risk-based capital ratio | 40.4087% | 253 |
| Memoranda: | ||
| Average total assets | $19,917,500 | 7,566 |
| Average earning assets | $17,833,000 | 7,550 |
| Average equity | $5,534,500 | 6,582 |
| Average total loans | $11,850,250 | 7,409 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2050% | 3,931 |
| Cost of funding earning assets | 0.8656% | 6,711 |
| Net interest margin | 4.3394% | 1,636 |
| Noninterest income to average assets | 0.5031% | 4,094 |
| Noninterest expense to average assets | 2.6562% | 5,095 |
| Loan and lease loss provision to assets | 0.0604% | 6,346 |
| Net operating income to assets | 1.5998% | 727 |
| Return on assets (ROA) | 1.5998% | 780 |
| Pretax return on assets | 1.6702% | 1,117 |
| Return on Equity (ROE) | 5.7980% | 3,896 |
| Retained earnings to average equity (ytd only) | 5.7980% | 2,447 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5505% | 5,943 |
| Assets per employee ($millions) | 4.9438% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 6,383 |
| Loan loss allowance to noncurrent loans | 743.7500% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 7,192 |
| Noncurrent loans to loans | 0.1349% | 6,996 |
| Net loans and leases to total assets | 59.3628% | 5,183 |
| Net loans and leases to deposits | 83.2317% | 3,025 |
| Net loans and leases to core deposits | 88.9588% | 3,413 |
| Total domestic deposits to total assets | 71.3224% | 7,236 |
| Equity capital to assets | 28.1922% | 99 |
| Core capital (leverage) ratio | 27.3379% | 100 |
| Tier 1 risk-based capital ratio | 42.2859% | 213 |
| Total risk-based capital ratio | 43.1957% | 213 |
| Memoranda: | ||
| Average total assets | $19,877,670 | 7,631 |
| Average earning assets | $17,790,670 | 7,616 |
| Average equity | $5,484,670 | 6,620 |
| Average total loans | $11,423,670 | 7,481 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 5,110 |
| Cost of funding earning assets | 0.8974% | 6,781 |
| Net interest margin | 4.0831% | 2,516 |
| Noninterest income to average assets | 0.4817% | 4,189 |
| Noninterest expense to average assets | 2.6293% | 5,232 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5053% | 882 |
| Return on assets (ROA) | 1.5053% | 951 |
| Pretax return on assets | 1.5053% | 1,500 |
| Return on Equity (ROE) | 5.5152% | 4,095 |
| Retained earnings to average equity (ytd only) | 5.5152% | 2,859 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5922% | 5,568 |
| Assets per employee ($millions) | 4.9258% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 6,264 |
| Loan loss allowance to noncurrent loans | 706.2500% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 7,288 |
| Noncurrent loans to loans | 0.1478% | 7,038 |
| Net loans and leases to total assets | 54.3775% | 5,977 |
| Net loans and leases to deposits | 75.7977% | 4,450 |
| Net loans and leases to core deposits | 80.9765% | 4,630 |
| Total domestic deposits to total assets | 71.7403% | 7,284 |
| Equity capital to assets | 27.8029% | 108 |
| Core capital (leverage) ratio | 27.0045% | 103 |
| Tier 1 risk-based capital ratio | 43.5506% | 205 |
| Total risk-based capital ratio | 44.4542% | 204 |
| Memoranda: | ||
| Average total assets | $19,929,000 | 7,724 |
| Average earning assets | $17,829,500 | 7,712 |
| Average equity | $5,439,500 | 6,692 |
| Average total loans | $11,206,500 | 7,583 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3394% | 4,988 |
| Cost of funding earning assets | 1.1202% | 6,912 |
| Net interest margin | 4.2192% | 2,003 |
| Noninterest income to average assets | 0.5064% | 4,364 |
| Noninterest expense to average assets | 3.3628% | 2,796 |
| Loan and lease loss provision to assets | 0.1064% | 6,576 |
| Net operating income to assets | 0.6381% | 3,178 |
| Return on assets (ROA) | 0.6381% | 3,237 |
| Pretax return on assets | 0.7951% | 3,261 |
| Return on Equity (ROE) | 2.2929% | 4,788 |
| Retained earnings to average equity (ytd only) | 0.4367% | 4,659 |
| Net charge-offs to loans | -0.0282% | 7,810 |
| Credit loss provision to net charge-offs | -700.0000% | 7,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8599% | 3,065 |
| Assets per employee ($millions) | 5.0388% | 2,166 |
| Cash dividends to net income (ytd only)* | 80.9524% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 6,468 |
| Loan loss allowance to noncurrent loans | 316.6667% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 7,029 |
| Noncurrent loans to loans | 0.3107% | 6,658 |
| Net loans and leases to total assets | 56.9189% | 5,830 |
| Net loans and leases to deposits | 78.4464% | 4,286 |
| Net loans and leases to core deposits | 96.2901% | 4,432 |
| Total domestic deposits to total assets | 72.5577% | 7,198 |
| Equity capital to assets | 26.7973% | 130 |
| Core capital (leverage) ratio | 27.2695% | 128 |
| Tier 1 risk-based capital ratio | 36.6746% | 314 |
| Total risk-based capital ratio | 37.4531% | 315 |
| Memoranda: | ||
| Average total assets | $19,745,400 | 7,781 |
| Average earning assets | $17,586,400 | 7,777 |
| Average equity | $5,495,200 | 6,772 |
| Average total loans | $10,636,600 | 7,674 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2413% | 5,722 |
| Cost of funding earning assets | 1.1732% | 6,960 |
| Net interest margin | 4.0681% | 2,519 |
| Noninterest income to average assets | 0.5023% | 4,463 |
| Noninterest expense to average assets | 2.5793% | 5,783 |
| Loan and lease loss provision to assets | 0.1561% | 5,787 |
| Net operating income to assets | 1.3915% | 1,053 |
| Return on assets (ROA) | 1.3915% | 1,115 |
| Pretax return on assets | 1.3915% | 1,718 |
| Return on Equity (ROE) | 4.9528% | 3,983 |
| Retained earnings to average equity (ytd only) | 4.9528% | 2,512 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 6,017 |
| Assets per employee ($millions) | 4.8148% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 6,312 |
| Loan loss allowance to noncurrent loans | 235.4167% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 6,891 |
| Noncurrent loans to loans | 0.4237% | 6,485 |
| Net loans and leases to total assets | 58.2377% | 5,856 |
| Net loans and leases to deposits | 82.4949% | 3,920 |
| Net loans and leases to core deposits | 102.8142% | 4,074 |
| Total domestic deposits to total assets | 70.5956% | 7,368 |
| Equity capital to assets | 29.2435% | 126 |
| Core capital (leverage) ratio | 29.0498% | 128 |
| Tier 1 risk-based capital ratio | 43.1376% | 233 |
| Total risk-based capital ratio | 44.0074% | 231 |
| Memoranda: | ||
| Average total assets | $19,643,000 | 7,860 |
| Average earning assets | $17,501,500 | 7,858 |
| Average equity | $5,518,750 | 6,837 |
| Average total loans | $10,399,250 | 7,760 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9939% | 6,792 |
| Cost of funding earning assets | 1.2144% | 7,066 |
| Net interest margin | 3.7795% | 3,638 |
| Noninterest income to average assets | 0.4350% | 4,986 |
| Noninterest expense to average assets | 2.2154% | 7,020 |
| Loan and lease loss provision to assets | 0.1012% | 6,161 |
| Net operating income to assets | 1.4870% | 861 |
| Return on assets (ROA) | 1.4870% | 920 |
| Pretax return on assets | 1.4870% | 1,485 |
| Return on Equity (ROE) | 5.3640% | 3,928 |
| Retained earnings to average equity (ytd only) | 5.3640% | 2,310 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2447% | 6,827 |
| Assets per employee ($millions) | 4.8533% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 6,458 |
| Loan loss allowance to noncurrent loans | 277.7778% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 7,064 |
| Noncurrent loans to loans | 0.3483% | 6,643 |
| Net loans and leases to total assets | 52.7224% | 6,597 |
| Net loans and leases to deposits | 73.8349% | 5,477 |
| Net loans and leases to core deposits | 92.3320% | 5,310 |
| Total domestic deposits to total assets | 71.4058% | 7,314 |
| Equity capital to assets | 28.4964% | 155 |
| Core capital (leverage) ratio | 27.9994% | 159 |
| Tier 1 risk-based capital ratio | 43.7199% | 243 |
| Total risk-based capital ratio | 44.5084% | 243 |
| Memoranda: | ||
| Average total assets | $19,771,000 | 7,937 |
| Average earning assets | $17,621,330 | 7,928 |
| Average equity | $5,481,000 | 6,906 |
| Average total loans | $10,089,330 | 7,854 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0423% | 6,824 |
| Cost of funding earning assets | 1.2662% | 7,129 |
| Net interest margin | 3.7760% | 3,554 |
| Noninterest income to average assets | 0.4612% | 4,673 |
| Noninterest expense to average assets | 1.9850% | 7,388 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8246% | 507 |
| Return on assets (ROA) | 1.8246% | 562 |
| Pretax return on assets | 1.8246% | 934 |
| Return on Equity (ROE) | 6.6722% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.6722% | 2,338 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1053% | 7,407 |
| Assets per employee ($millions) | 4.9150% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 6,251 |
| Loan loss allowance to noncurrent loans | 147.5410% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 6,589 |
| Noncurrent loans to loans | 0.6720% | 5,727 |
| Net loans and leases to total assets | 45.7121% | 7,212 |
| Net loans and leases to deposits | 63.5978% | 6,593 |
| Net loans and leases to core deposits | 79.0552% | 6,454 |
| Total domestic deposits to total assets | 71.8769% | 7,227 |
| Equity capital to assets | 27.9807% | 171 |
| Core capital (leverage) ratio | 27.7147% | 180 |
| Tier 1 risk-based capital ratio | 39.9534% | 331 |
| Total risk-based capital ratio | 40.6084% | 328 |
| Memoranda: | ||
| Average total assets | $19,950,000 | 7,978 |
| Average earning assets | $17,690,500 | 7,973 |
| Average equity | $5,455,500 | 6,962 |
| Average total loans | $9,966,500 | 7,910 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7827% | 6,495 |
| Cost of funding earning assets | 2.0416% | 6,275 |
| Net interest margin | 3.7411% | 4,270 |
| Noninterest income to average assets | 0.6276% | 3,651 |
| Noninterest expense to average assets | 4.1665% | 1,185 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3303% | 5,444 |
| Return on assets (ROA) | 0.3303% | 5,264 |
| Pretax return on assets | -0.1840% | 6,358 |
| Return on Equity (ROE) | 1.2896% | 5,831 |
| Retained earnings to average equity (ytd only) | 1.2896% | 4,441 |
| Net charge-offs to loans | -0.0473% | 8,021 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6209% | 850 |
| Assets per employee ($millions) | 5.0600% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 6,981 |
| Loan loss allowance to noncurrent loans | 157.8947% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 6,458 |
| Noncurrent loans to loans | 0.5251% | 5,778 |
| Net loans and leases to total assets | 53.1917% | 6,733 |
| Net loans and leases to deposits | 72.9256% | 5,955 |
| Net loans and leases to core deposits | 88.1520% | 5,961 |
| Total domestic deposits to total assets | 72.9397% | 6,841 |
| Equity capital to assets | 26.7292% | 223 |
| Core capital (leverage) ratio | 26.6528% | 229 |
| Tier 1 risk-based capital ratio | 41.6063% | 301 |
| Total risk-based capital ratio | 42.3000% | 307 |
| Memoranda: | ||
| Average total assets | $21,193,000 | 7,980 |
| Average earning assets | $19,005,000 | 7,970 |
| Average equity | $5,428,000 | 7,008 |
| Average total loans | $10,560,000 | 7,916 |