Home > Longview Community Bank > Performance and Condition Ratios
Longview Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2194% | 1,631 |
| Cost of funding earning assets | 1.0767% | 3,123 |
| Net interest margin | 4.1427% | 1,017 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.6777% | 1,800 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 0.7334% | 3,098 |
| Return on assets (ROA) | 0.7221% | 3,104 |
| Pretax return on assets | 0.9588% | 2,783 |
| Return on Equity (ROE) | 4.6100% | 3,796 |
| Retained earnings to average equity (ytd only) | 4.6069% | 2,751 |
| Net charge-offs to loans | 0.0850% | 1,010 |
| Credit loss provision to net charge-offs | 615.6250% | 580 |
| Earnings coverage of net charge-offs (x) | 31.7188% | 1,603 |
| Efficiency ratio | 64.2682% | 2,573 |
| Assets per employee ($millions) | 5.0711% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6674% | 4,160 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 53.6000% | 3,380 |
| Net loans and leases to deposits | 63.9155% | 3,295 |
| Net loans and leases to core deposits | 71.4355% | 3,225 |
| Total domestic deposits to total assets | 83.8600% | 2,659 |
| Equity capital to assets | 15.6720% | 493 |
| Core capital (leverage) ratio | 8.0419% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3043% | 1,442 |
| Memoranda: | ||
| Average total assets | $84,063,400 | 3,981 |
| Average earning assets | $73,092,200 | 4,001 |
| Average equity | $13,176,000 | 3,411 |
| Average total loans | $37,641,800 | 4,033 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9203% | 2,018 |
| Cost of funding earning assets | 0.9328% | 3,197 |
| Net interest margin | 3.9875% | 1,241 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.5730% | 2,023 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 0.6675% | 3,392 |
| Return on assets (ROA) | 0.6519% | 3,419 |
| Pretax return on assets | 0.8560% | 3,201 |
| Return on Equity (ROE) | 4.1600% | 3,956 |
| Retained earnings to average equity (ytd only) | 4.1590% | 3,217 |
| Net charge-offs to loans | 0.1253% | 648 |
| Credit loss provision to net charge-offs | 531.2500% | 607 |
| Earnings coverage of net charge-offs (x) | 21.9375% | 1,769 |
| Efficiency ratio | 64.1943% | 2,474 |
| Assets per employee ($millions) | 5.3469% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6494% | 4,203 |
| Loan loss allowance to noncurrent loans | 1,146.4286% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 3,516 |
| Noncurrent loans to loans | 0.0566% | 3,348 |
| Net loans and leases to total assets | 51.0200% | 3,554 |
| Net loans and leases to deposits | 60.6217% | 3,469 |
| Net loans and leases to core deposits | 65.4712% | 3,455 |
| Total domestic deposits to total assets | 84.1700% | 2,725 |
| Equity capital to assets | 15.1272% | 523 |
| Core capital (leverage) ratio | 7.6803% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8562% | 1,606 |
| Memoranda: | ||
| Average total assets | $80,991,750 | 4,024 |
| Average earning assets | $70,183,500 | 4,054 |
| Average equity | $12,695,000 | 3,450 |
| Average total loans | $34,054,250 | 4,098 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4926% | 2,659 |
| Cost of funding earning assets | 0.7215% | 3,421 |
| Net interest margin | 3.7711% | 1,678 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.3950% | 2,502 |
| Loan and lease loss provision to assets | 0.4500% | 169 |
| Net operating income to assets | 0.4755% | 3,859 |
| Return on assets (ROA) | 0.4505% | 3,918 |
| Pretax return on assets | 0.5849% | 3,827 |
| Return on Equity (ROE) | 2.8300% | 4,184 |
| Retained earnings to average equity (ytd only) | 2.8326% | 3,527 |
| Net charge-offs to loans | 0.2212% | 368 |
| Credit loss provision to net charge-offs | 531.2500% | 630 |
| Earnings coverage of net charge-offs (x) | 12.6250% | 1,932 |
| Efficiency ratio | 64.2041% | 2,459 |
| Assets per employee ($millions) | 5.3815% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6663% | 4,229 |
| Loan loss allowance to noncurrent loans | 1,753.3333% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 3,674 |
| Noncurrent loans to loans | 0.0380% | 3,457 |
| Net loans and leases to total assets | 42.8600% | 3,924 |
| Net loans and leases to deposits | 50.6353% | 3,893 |
| Net loans and leases to core deposits | 54.4627% | 3,873 |
| Total domestic deposits to total assets | 84.6400% | 2,647 |
| Equity capital to assets | 15.1302% | 512 |
| Core capital (leverage) ratio | 7.2727% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4405% | 1,228 |
| Memoranda: | ||
| Average total assets | $75,907,667 | 4,093 |
| Average earning assets | $65,975,667 | 4,118 |
| Average equity | $12,073,667 | 3,529 |
| Average total loans | $28,930,000 | 4,181 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7129% | 1,813 |
| Cost of funding earning assets | 0.6347% | 3,274 |
| Net interest margin | 4.0782% | 1,130 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.5720% | 2,040 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 0.7927% | 3,215 |
| Return on assets (ROA) | 0.7927% | 3,168 |
| Pretax return on assets | 1.0394% | 2,886 |
| Return on Equity (ROE) | 4.8300% | 3,913 |
| Retained earnings to average equity (ytd only) | 4.8260% | 3,059 |
| Net charge-offs to loans | 0.0507% | 857 |
| Credit loss provision to net charge-offs | 1,000.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 954 |
| Efficiency ratio | 63.1008% | 2,554 |
| Assets per employee ($millions) | 5.2292% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6296% | 4,328 |
| Loan loss allowance to noncurrent loans | 524.1379% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 3,356 |
| Noncurrent loans to loans | 0.1201% | 2,912 |
| Net loans and leases to total assets | 35.2900% | 4,216 |
| Net loans and leases to deposits | 42.4524% | 4,148 |
| Net loans and leases to core deposits | 46.4664% | 4,096 |
| Total domestic deposits to total assets | 83.1300% | 3,274 |
| Equity capital to assets | 16.5608% | 367 |
| Core capital (leverage) ratio | 8.2296% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2346% | 717 |
| Memoranda: | ||
| Average total assets | $68,118,500 | 4,222 |
| Average earning assets | $59,242,000 | 4,244 |
| Average equity | $11,189,500 | 3,655 |
| Average total loans | $23,658,000 | 4,333 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9135% | 4,225 |
| Cost of funding earning assets | 0.2155% | 3,629 |
| Net interest margin | 2.6979% | 4,056 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 2.0482% | 3,447 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.1848% | 4,457 |
| Return on assets (ROA) | 0.3768% | 4,236 |
| Pretax return on assets | 0.5500% | 4,099 |
| Return on Equity (ROE) | 3.1000% | 4,282 |
| Retained earnings to average equity (ytd only) | -19.7434% | 4,692 |
| Net charge-offs to loans | 0.3247% | 233 |
| Credit loss provision to net charge-offs | 232.1429% | 1,035 |
| Earnings coverage of net charge-offs (x) | 5.9286% | 2,354 |
| Efficiency ratio | 77.1429% | 911 |
| Assets per employee ($millions) | 5.2505% | 3,469 |
| Cash dividends to net income (ytd only)* | 737.9032% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5394% | 4,404 |
| Loan loss allowance to noncurrent loans | 378.7879% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 3,324 |
| Noncurrent loans to loans | 0.1424% | 2,800 |
| Net loans and leases to total assets | 33.7700% | 4,292 |
| Net loans and leases to deposits | 40.4043% | 4,231 |
| Net loans and leases to core deposits | 43.9342% | 4,181 |
| Total domestic deposits to total assets | 83.5700% | 3,301 |
| Equity capital to assets | 16.2928% | 372 |
| Core capital (leverage) ratio | 7.7984% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2650% | 692 |
| Memoranda: | ||
| Average total assets | $65,814,000 | 4,273 |
| Average earning assets | $60,787,000 | 4,251 |
| Average equity | $8,012,800 | 4,094 |
| Average total loans | $17,248,600 | 4,451 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3552% | 4,518 |
| Cost of funding earning assets | 0.2205% | 3,033 |
| Net interest margin | 2.1347% | 4,501 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 1.8247% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1305% | 4,528 |
| Return on assets (ROA) | 0.1289% | 4,497 |
| Pretax return on assets | 0.2189% | 4,449 |
| Return on Equity (ROE) | 1.1600% | 4,481 |
| Retained earnings to average equity (ytd only) | -32.6093% | 4,746 |
| Net charge-offs to loans | 0.3444% | 183 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2.6341% | 2,238 |
| Efficiency ratio | 89.2000% | 347 |
| Assets per employee ($millions) | 7.0977% | 1,880 |
| Cash dividends to net income (ytd only)* | 2,904.7619% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0526% | 4,648 |
| 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 | 26.7700% | 4,490 |
| Net loans and leases to deposits | 31.7378% | 4,471 |
| Net loans and leases to core deposits | 34.3597% | 4,433 |
| Total domestic deposits to total assets | 84.3600% | 3,412 |
| Equity capital to assets | 15.5515% | 407 |
| Core capital (leverage) ratio | 7.9107% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1406% | 549 |
| Memoranda: | ||
| Average total assets | $65,179,250 | 4,311 |
| Average earning assets | $61,084,250 | 4,276 |
| Average equity | $7,224,750 | 4,223 |
| Average total loans | $15,870,750 | 4,505 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1608% | 4,582 |
| Cost of funding earning assets | 0.2177% | 2,665 |
| Net interest margin | 1.9431% | 4,580 |
| Noninterest income to average assets | 0.0379% | 4,669 |
| Noninterest expense to average assets | 1.8467% | 3,844 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0538% | 4,551 |
| Return on assets (ROA) | 0.0506% | 4,520 |
| Pretax return on assets | 0.0506% | 4,518 |
| Return on Equity (ROE) | 0.5375% | 4,512 |
| Retained earnings to average equity (ytd only) | 0.5375% | 4,084 |
| Net charge-offs to loans | 0.7016% | 85 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 0.3269% | 2,099 |
| Efficiency ratio | 97.1714% | 228 |
| Assets per employee ($millions) | 5.9308% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9223% | 632 |
| 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 | 23.6579% | 4,602 |
| Net loans and leases to deposits | 25.7341% | 4,622 |
| Net loans and leases to core deposits | 28.0878% | 4,595 |
| Total domestic deposits to total assets | 91.9319% | 862 |
| Equity capital to assets | 8.0377% | 3,095 |
| Core capital (leverage) ratio | 12.4739% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.0923% | 99 |
| Memoranda: | ||
| Average total assets | $63,246,667 | 4,382 |
| Average earning assets | $60,625,000 | 4,346 |
| Average equity | $5,953,667 | 4,416 |
| Average total loans | $14,823,333 | 4,581 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9129% | 4,636 |
| Cost of funding earning assets | 0.2168% | 2,570 |
| Net interest margin | 1.6961% | 4,646 |
| Noninterest income to average assets | 0.0307% | 4,702 |
| Noninterest expense to average assets | 1.7235% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0613% | 4,576 |
| Return on assets (ROA) | -0.0675% | 4,563 |
| Pretax return on assets | -0.0675% | 4,555 |
| Return on Equity (ROE) | -0.6721% | 4,573 |
| Retained earnings to average equity (ytd only) | -0.6721% | 4,108 |
| Net charge-offs to loans | 1.3526% | 55 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -0.1961% | 1,787 |
| Efficiency ratio | 103.6900% | 194 |
| Assets per employee ($millions) | 6.4533% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9034% | 737 |
| 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 | 22.0414% | 4,645 |
| Net loans and leases to deposits | 24.3179% | 4,661 |
| Net loans and leases to core deposits | 26.3784% | 4,648 |
| Total domestic deposits to total assets | 90.6389% | 1,221 |
| Equity capital to assets | 9.2976% | 2,442 |
| Core capital (leverage) ratio | 10.7426% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.7761% | 124 |
| Memoranda: | ||
| Average total assets | $65,216,000 | 4,371 |
| Average earning assets | $62,733,500 | 4,338 |
| Average equity | $6,547,000 | 4,409 |
| Average total loans | $15,082,000 | 4,594 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5425% | 4,453 |
| Cost of funding earning assets | 0.2422% | 3,027 |
| Net interest margin | 2.3003% | 4,410 |
| Noninterest income to average assets | 0.3378% | 3,392 |
| Noninterest expense to average assets | 1.9862% | 3,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5518% | 3,975 |
| Return on assets (ROA) | 0.5534% | 4,022 |
| Pretax return on assets | 0.5619% | 4,163 |
| Return on Equity (ROE) | 4.6338% | 4,075 |
| Retained earnings to average equity (ytd only) | 4.2074% | 3,131 |
| Net charge-offs to loans | -0.3454% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0000% | 946 |
| Assets per employee ($millions) | 6.5899% | 2,250 |
| Cash dividends to net income (ytd only)* | 9.2025% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0876% | 531 |
| 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 | 23.2735% | 4,666 |
| Net loans and leases to deposits | 26.1051% | 4,689 |
| Net loans and leases to core deposits | 28.2715% | 4,669 |
| Total domestic deposits to total assets | 89.1531% | 1,436 |
| Equity capital to assets | 10.7650% | 1,962 |
| Core capital (leverage) ratio | 11.7733% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.3025% | 145 |
| Memoranda: | ||
| Average total assets | $58,905,400 | 4,469 |
| Average earning assets | $56,559,000 | 4,434 |
| Average equity | $7,035,200 | 4,415 |
| Average total loans | $16,214,800 | 4,630 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6566% | 4,449 |
| Cost of funding earning assets | 0.2530% | 3,092 |
| Net interest margin | 2.4035% | 4,391 |
| Noninterest income to average assets | 0.0676% | 4,760 |
| Noninterest expense to average assets | 1.9781% | 3,742 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3942% | 4,383 |
| Return on assets (ROA) | 0.3966% | 4,409 |
| Pretax return on assets | 0.3966% | 4,501 |
| Return on Equity (ROE) | 3.2286% | 4,426 |
| Retained earnings to average equity (ytd only) | 2.9437% | 3,925 |
| Net charge-offs to loans | -0.4240% | 4,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3825% | 556 |
| Assets per employee ($millions) | 6.0356% | 2,662 |
| Cash dividends to net income (ytd only)* | 8.8235% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0790% | 560 |
| 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 | 25.2054% | 4,726 |
| Net loans and leases to deposits | 28.6443% | 4,730 |
| Net loans and leases to core deposits | 31.2973% | 4,699 |
| Total domestic deposits to total assets | 87.9946% | 1,848 |
| Equity capital to assets | 11.9127% | 1,439 |
| Core capital (leverage) ratio | 11.6679% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.7565% | 148 |
| Memoranda: | ||
| Average total assets | $57,157,000 | 4,545 |
| Average earning assets | $54,806,500 | 4,507 |
| Average equity | $7,020,500 | 4,482 |
| Average total loans | $16,352,500 | 4,697 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6812% | 4,479 |
| Cost of funding earning assets | 0.2599% | 3,187 |
| Net interest margin | 2.4212% | 4,404 |
| Noninterest income to average assets | 0.0677% | 4,795 |
| Noninterest expense to average assets | 2.0467% | 3,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3459% | 4,470 |
| Return on assets (ROA) | 0.3459% | 4,499 |
| Pretax return on assets | 0.3459% | 4,544 |
| Return on Equity (ROE) | 2.7858% | 4,511 |
| Retained earnings to average equity (ytd only) | 2.3550% | 4,034 |
| Net charge-offs to loans | -0.6135% | 4,878 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5440% | 496 |
| Assets per employee ($millions) | 5.7233% | 2,869 |
| Cash dividends to net income (ytd only)* | 15.4639% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9993% | 608 |
| 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 | 27.4929% | 4,714 |
| Net loans and leases to deposits | 34.8066% | 4,660 |
| Net loans and leases to core deposits | 38.6562% | 4,607 |
| Total domestic deposits to total assets | 78.9876% | 4,344 |
| Equity capital to assets | 12.2045% | 1,270 |
| Core capital (leverage) ratio | 12.2937% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8123% | 138 |
| Memoranda: | ||
| Average total assets | $56,090,667 | 4,586 |
| Average earning assets | $53,856,667 | 4,549 |
| Average equity | $6,964,000 | 4,511 |
| Average total loans | $16,624,667 | 4,727 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5698% | 4,597 |
| Cost of funding earning assets | 0.2705% | 3,269 |
| Net interest margin | 2.2993% | 4,522 |
| Noninterest income to average assets | 0.0865% | 4,737 |
| Noninterest expense to average assets | 1.9597% | 3,833 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3314% | 4,476 |
| Return on assets (ROA) | 0.3314% | 4,511 |
| Pretax return on assets | 0.3314% | 4,565 |
| Return on Equity (ROE) | 2.6461% | 4,533 |
| Retained earnings to average equity (ytd only) | 2.6461% | 3,887 |
| Net charge-offs to loans | -0.2839% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5346% | 529 |
| Assets per employee ($millions) | 5.4877% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 958 |
| Loan loss allowance to noncurrent loans | 435.3846% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 3,577 |
| Noncurrent loans to loans | 0.4001% | 2,670 |
| Net loans and leases to total assets | 29.0869% | 4,718 |
| Net loans and leases to deposits | 33.2334% | 4,738 |
| Net loans and leases to core deposits | 36.6706% | 4,699 |
| Total domestic deposits to total assets | 87.5230% | 2,076 |
| Equity capital to assets | 12.3604% | 1,127 |
| Core capital (leverage) ratio | 11.6972% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.8415% | 133 |
| Memoranda: | ||
| Average total assets | $55,519,500 | 4,611 |
| Average earning assets | $53,234,000 | 4,577 |
| Average equity | $6,953,500 | 4,531 |
| Average total loans | $16,909,000 | 4,743 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9283% | 4,688 |
| Cost of funding earning assets | 0.5101% | 2,883 |
| Net interest margin | 2.4182% | 4,645 |
| Noninterest income to average assets | 0.1316% | 4,624 |
| Noninterest expense to average assets | 2.1829% | 3,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1799% | 4,599 |
| Return on assets (ROA) | 0.2055% | 4,625 |
| Pretax return on assets | 0.2884% | 4,559 |
| Return on Equity (ROE) | 1.6163% | 4,607 |
| Retained earnings to average equity (ytd only) | 1.1909% | 4,154 |
| Net charge-offs to loans | 0.1446% | 1,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 5.4615% | 2,862 |
| Efficiency ratio | 89.5048% | 391 |
| Assets per employee ($millions) | 5.6162% | 2,723 |
| Cash dividends to net income (ytd only)* | 26.3158% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 1,463 |
| Loan loss allowance to noncurrent loans | 1,928.5714% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 4,256 |
| Noncurrent loans to loans | 0.0797% | 3,970 |
| Net loans and leases to total assets | 30.8091% | 4,737 |
| Net loans and leases to deposits | 38.4879% | 4,691 |
| Net loans and leases to core deposits | 42.7615% | 4,635 |
| Total domestic deposits to total assets | 80.0488% | 4,033 |
| Equity capital to assets | 12.6847% | 1,237 |
| Core capital (leverage) ratio | 12.0281% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.0707% | 116 |
| Memoranda: | ||
| Average total assets | $55,477,800 | 4,584 |
| Average earning assets | $52,931,200 | 4,540 |
| Average equity | $7,053,200 | 4,519 |
| Average total loans | $17,978,000 | 4,754 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0105% | 4,725 |
| Cost of funding earning assets | 0.5697% | 2,806 |
| Net interest margin | 2.4408% | 4,694 |
| Noninterest income to average assets | 0.1133% | 4,711 |
| Noninterest expense to average assets | 2.1504% | 3,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2044% | 4,584 |
| Return on assets (ROA) | 0.2387% | 4,574 |
| Pretax return on assets | 0.3303% | 4,516 |
| Return on Equity (ROE) | 1.8762% | 4,569 |
| Retained earnings to average equity (ytd only) | 1.5919% | 4,058 |
| Net charge-offs to loans | 0.3024% | 516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 2.9024% | 2,951 |
| Efficiency ratio | 88.2295% | 409 |
| Assets per employee ($millions) | 5.7895% | 2,459 |
| Cash dividends to net income (ytd only)* | 15.1515% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 1,554 |
| Loan loss allowance to noncurrent loans | 490.3846% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 3,977 |
| Noncurrent loans to loans | 0.2948% | 3,222 |
| Net loans and leases to total assets | 30.0302% | 4,823 |
| Net loans and leases to deposits | 37.2546% | 4,806 |
| Net loans and leases to core deposits | 40.9323% | 4,772 |
| Total domestic deposits to total assets | 80.6080% | 3,751 |
| Equity capital to assets | 12.3240% | 1,498 |
| Core capital (leverage) ratio | 12.0327% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.6028% | 159 |
| Memoranda: | ||
| Average total assets | $55,306,750 | 4,598 |
| Average earning assets | $52,658,000 | 4,564 |
| Average equity | $7,035,500 | 4,537 |
| Average total loans | $18,079,250 | 4,783 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1893% | 4,725 |
| Cost of funding earning assets | 0.6678% | 2,575 |
| Net interest margin | 2.5215% | 4,724 |
| Noninterest income to average assets | 0.1433% | 4,589 |
| Noninterest expense to average assets | 2.2445% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2349% | 4,527 |
| Return on assets (ROA) | 0.2755% | 4,501 |
| Pretax return on assets | 0.3637% | 4,450 |
| Return on Equity (ROE) | 2.1421% | 4,505 |
| Retained earnings to average equity (ytd only) | 1.7137% | 3,867 |
| Net charge-offs to loans | -0.0110% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7874% | 459 |
| Assets per employee ($millions) | 5.4859% | 2,654 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6899% | 830 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 3,933 |
| Noncurrent loans to loans | 0.3755% | 3,067 |
| Net loans and leases to total assets | 31.4953% | 4,830 |
| Net loans and leases to deposits | 39.5849% | 4,801 |
| Net loans and leases to core deposits | 43.7917% | 4,757 |
| Total domestic deposits to total assets | 79.5640% | 3,925 |
| Equity capital to assets | 12.9897% | 1,171 |
| Core capital (leverage) ratio | 12.4141% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.3519% | 148 |
| Memoranda: | ||
| Average total assets | $54,444,000 | 4,626 |
| Average earning assets | $52,111,667 | 4,590 |
| Average equity | $7,002,333 | 4,565 |
| Average total loans | $18,225,333 | 4,810 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3511% | 4,774 |
| Cost of funding earning assets | 0.8859% | 1,944 |
| Net interest margin | 2.4652% | 4,842 |
| Noninterest income to average assets | 0.0959% | 4,840 |
| Noninterest expense to average assets | 2.0282% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4214% | 4,086 |
| Return on assets (ROA) | 0.5236% | 3,888 |
| Pretax return on assets | 0.5310% | 4,071 |
| Return on Equity (ROE) | 4.0919% | 3,920 |
| Retained earnings to average equity (ytd only) | 4.0919% | 2,643 |
| Net charge-offs to loans | -0.1078% | 4,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5826% | 933 |
| Assets per employee ($millions) | 5.3556% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 986 |
| Loan loss allowance to noncurrent loans | 436.2319% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 3,580 |
| Noncurrent loans to loans | 0.3751% | 3,137 |
| Net loans and leases to total assets | 33.7815% | 4,836 |
| Net loans and leases to deposits | 38.9335% | 4,855 |
| Net loans and leases to core deposits | 42.7950% | 4,826 |
| Total domestic deposits to total assets | 86.7671% | 1,661 |
| Equity capital to assets | 13.0798% | 1,387 |
| Core capital (leverage) ratio | 12.4426% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,236,500 | 4,634 |
| Average earning assets | $51,922,500 | 4,601 |
| Average equity | $6,940,500 | 4,606 |
| Average total loans | $18,550,500 | 4,836 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5858% | 4,792 |
| Cost of funding earning assets | 0.7760% | 2,794 |
| Net interest margin | 2.8099% | 4,752 |
| Noninterest income to average assets | 0.1171% | 4,874 |
| Noninterest expense to average assets | 2.4346% | 3,608 |
| Loan and lease loss provision to assets | 0.0192% | 3,632 |
| Net operating income to assets | 0.3466% | 4,686 |
| Return on assets (ROA) | 0.3706% | 4,680 |
| Pretax return on assets | 0.3859% | 4,736 |
| Return on Equity (ROE) | 2.8704% | 4,685 |
| Retained earnings to average equity (ytd only) | 2.4242% | 3,813 |
| Net charge-offs to loans | -0.2717% | 5,082 |
| Credit loss provision to net charge-offs | -18.5185% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4939% | 517 |
| Assets per employee ($millions) | 4.5764% | 3,112 |
| Cash dividends to net income (ytd only)* | 15.5440% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 1,016 |
| Loan loss allowance to noncurrent loans | 416.9014% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 3,575 |
| Noncurrent loans to loans | 0.3795% | 3,074 |
| Net loans and leases to total assets | 33.5270% | 4,907 |
| Net loans and leases to deposits | 38.3839% | 4,933 |
| Net loans and leases to core deposits | 42.0529% | 4,902 |
| Total domestic deposits to total assets | 87.3464% | 1,434 |
| Equity capital to assets | 12.5207% | 1,800 |
| Core capital (leverage) ratio | 12.1026% | 1,715 |
| Tier 1 risk-based capital ratio | 34.3883% | 343 |
| Total risk-based capital ratio | 35.6423% | 338 |
| Memoranda: | ||
| Average total assets | $52,083,000 | 4,718 |
| Average earning assets | $50,002,600 | 4,669 |
| Average equity | $6,723,800 | 4,663 |
| Average total loans | $19,875,800 | 4,861 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6193% | 4,868 |
| Cost of funding earning assets | 0.7763% | 2,834 |
| Net interest margin | 2.8430% | 4,817 |
| Noninterest income to average assets | 0.1324% | 4,868 |
| Noninterest expense to average assets | 2.4863% | 3,478 |
| Loan and lease loss provision to assets | 0.0259% | 3,376 |
| Net operating income to assets | 0.3358% | 4,798 |
| Return on assets (ROA) | 0.3685% | 4,796 |
| Pretax return on assets | 0.3815% | 4,826 |
| Return on Equity (ROE) | 2.8318% | 4,793 |
| Retained earnings to average equity (ytd only) | 2.5327% | 4,079 |
| Net charge-offs to loans | -0.0595% | 4,874 |
| Credit loss provision to net charge-offs | -111.1111% | 4,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9328% | 453 |
| Assets per employee ($millions) | 4.7515% | 2,850 |
| Cash dividends to net income (ytd only)* | 10.5636% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 2,228 |
| Loan loss allowance to noncurrent loans | 440.3509% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 4,213 |
| Noncurrent loans to loans | 0.2842% | 3,519 |
| Net loans and leases to total assets | 34.7294% | 4,974 |
| Net loans and leases to deposits | 39.5328% | 5,009 |
| Net loans and leases to core deposits | 43.1369% | 4,980 |
| Total domestic deposits to total assets | 87.8495% | 1,101 |
| Equity capital to assets | 12.0225% | 2,246 |
| Core capital (leverage) ratio | 12.1258% | 1,774 |
| Tier 1 risk-based capital ratio | 35.9438% | 321 |
| Total risk-based capital ratio | 37.1972% | 316 |
| Memoranda: | ||
| Average total assets | $51,374,500 | 4,797 |
| Average earning assets | $49,289,750 | 4,751 |
| Average equity | $6,685,750 | 4,727 |
| Average total loans | $20,167,750 | 4,931 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6365% | 4,901 |
| Cost of funding earning assets | 0.7053% | 3,141 |
| Net interest margin | 2.9312% | 4,781 |
| Noninterest income to average assets | 0.1576% | 4,791 |
| Noninterest expense to average assets | 2.5094% | 3,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4485% | 4,644 |
| Return on assets (ROA) | 0.4485% | 4,671 |
| Pretax return on assets | 0.4526% | 4,760 |
| Return on Equity (ROE) | 3.3488% | 4,714 |
| Retained earnings to average equity (ytd only) | 2.8962% | 3,769 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7203% | 608 |
| Assets per employee ($millions) | 4.5540% | 3,057 |
| Cash dividends to net income (ytd only)* | 13.5135% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,662 |
| Loan loss allowance to noncurrent loans | 966.6667% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 4,549 |
| Noncurrent loans to loans | 0.1213% | 4,137 |
| Net loans and leases to total assets | 35.7927% | 4,983 |
| Net loans and leases to deposits | 41.0114% | 5,030 |
| Net loans and leases to core deposits | 44.9562% | 4,984 |
| Total domestic deposits to total assets | 87.2749% | 1,451 |
| Equity capital to assets | 12.5311% | 1,837 |
| Core capital (leverage) ratio | 12.9191% | 1,341 |
| Tier 1 risk-based capital ratio | 34.9562% | 341 |
| Total risk-based capital ratio | 36.1527% | 339 |
| Memoranda: | ||
| Average total assets | $49,493,330 | 4,856 |
| Average earning assets | $47,353,330 | 4,823 |
| Average equity | $6,629,330 | 4,764 |
| Average total loans | $20,206,000 | 4,975 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6559% | 4,900 |
| Cost of funding earning assets | 0.6362% | 3,376 |
| Net interest margin | 3.0197% | 4,719 |
| Noninterest income to average assets | 0.1790% | 4,677 |
| Noninterest expense to average assets | 2.5748% | 3,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4774% | 4,578 |
| Return on assets (ROA) | 0.4774% | 4,604 |
| Pretax return on assets | 0.4774% | 4,735 |
| Return on Equity (ROE) | 3.4356% | 4,692 |
| Retained earnings to average equity (ytd only) | 3.4356% | 3,540 |
| Net charge-offs to loans | -0.1176% | 5,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3575% | 688 |
| Assets per employee ($millions) | 3.9201% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 2,599 |
| Loan loss allowance to noncurrent loans | 595.0000% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 4,383 |
| Noncurrent loans to loans | 0.2012% | 3,870 |
| Net loans and leases to total assets | 41.7636% | 4,838 |
| Net loans and leases to deposits | 48.7179% | 4,862 |
| Net loans and leases to core deposits | 54.3593% | 4,773 |
| Total domestic deposits to total assets | 85.7252% | 2,396 |
| Equity capital to assets | 14.1005% | 1,006 |
| Core capital (leverage) ratio | 14.4027% | 843 |
| Tier 1 risk-based capital ratio | 35.2706% | 319 |
| Total risk-based capital ratio | 36.5067% | 313 |
| Memoranda: | ||
| Average total assets | $46,916,000 | 4,960 |
| Average earning assets | $44,640,500 | 4,932 |
| Average equity | $6,520,000 | 4,815 |
| Average total loans | $20,413,000 | 5,032 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6530% | 4,734 |
| Cost of funding earning assets | 0.5826% | 2,836 |
| Net interest margin | 3.0705% | 4,694 |
| Noninterest income to average assets | 0.1587% | 4,928 |
| Noninterest expense to average assets | 2.7037% | 3,011 |
| Loan and lease loss provision to assets | 0.0761% | 2,604 |
| Net operating income to assets | 0.2999% | 5,007 |
| Return on assets (ROA) | 0.2999% | 5,002 |
| Pretax return on assets | 0.2999% | 5,045 |
| Return on Equity (ROE) | 2.1848% | 5,021 |
| Retained earnings to average equity (ytd only) | 1.7098% | 4,464 |
| Net charge-offs to loans | 0.1786% | 1,077 |
| Credit loss provision to net charge-offs | 97.2222% | 2,604 |
| Earnings coverage of net charge-offs (x) | 4.8056% | 3,254 |
| Efficiency ratio | 87.7911% | 444 |
| Assets per employee ($millions) | 3.8993% | 4,036 |
| Cash dividends to net income (ytd only)* | 21.7391% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 3,045 |
| Loan loss allowance to noncurrent loans | 234.3434% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 3,767 |
| Noncurrent loans to loans | 0.4727% | 2,854 |
| Net loans and leases to total assets | 44.2606% | 4,806 |
| Net loans and leases to deposits | 51.4355% | 4,837 |
| Net loans and leases to core deposits | 57.3891% | 4,722 |
| Total domestic deposits to total assets | 86.0507% | 2,203 |
| Equity capital to assets | 13.6928% | 1,070 |
| Core capital (leverage) ratio | 14.5687% | 780 |
| Tier 1 risk-based capital ratio | 33.0116% | 365 |
| Total risk-based capital ratio | 34.1424% | 365 |
| Memoranda: | ||
| Average total assets | $46,011,400 | 5,018 |
| Average earning assets | $43,772,000 | 4,978 |
| Average equity | $6,316,400 | 4,849 |
| Average total loans | $20,159,600 | 5,073 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6074% | 4,791 |
| Cost of funding earning assets | 0.5289% | 3,004 |
| Net interest margin | 3.0785% | 4,740 |
| Noninterest income to average assets | 0.1717% | 4,929 |
| Noninterest expense to average assets | 2.6656% | 3,081 |
| Loan and lease loss provision to assets | 0.1019% | 1,962 |
| Net operating income to assets | 0.3347% | 5,053 |
| Return on assets (ROA) | 0.3347% | 5,046 |
| Pretax return on assets | 0.3347% | 5,104 |
| Return on Equity (ROE) | 2.4362% | 5,077 |
| Retained earnings to average equity (ytd only) | 2.1185% | 4,534 |
| Net charge-offs to loans | 0.2805% | 599 |
| Credit loss provision to net charge-offs | 83.3333% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 3,149 |
| Efficiency ratio | 85.9287% | 523 |
| Assets per employee ($millions) | 3.5974% | 4,439 |
| Cash dividends to net income (ytd only)* | 13.0438% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 3,036 |
| Loan loss allowance to noncurrent loans | 289.7436% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 4,130 |
| Noncurrent loans to loans | 0.3893% | 3,262 |
| Net loans and leases to total assets | 42.3598% | 4,943 |
| Net loans and leases to deposits | 48.9813% | 4,985 |
| Net loans and leases to core deposits | 54.6227% | 4,890 |
| Total domestic deposits to total assets | 86.4816% | 1,977 |
| Equity capital to assets | 13.3302% | 1,199 |
| Core capital (leverage) ratio | 14.8645% | 732 |
| Tier 1 risk-based capital ratio | 32.0152% | 398 |
| Total risk-based capital ratio | 33.0779% | 401 |
| Memoranda: | ||
| Average total assets | $45,816,500 | 5,077 |
| Average earning assets | $43,612,750 | 5,036 |
| Average equity | $6,293,750 | 4,904 |
| Average total loans | $19,964,000 | 5,137 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5178% | 4,898 |
| Cost of funding earning assets | 0.4697% | 3,227 |
| Net interest margin | 3.0482% | 4,813 |
| Noninterest income to average assets | 0.1758% | 4,941 |
| Noninterest expense to average assets | 2.6505% | 3,161 |
| Loan and lease loss provision to assets | 0.0659% | 2,582 |
| Net operating income to assets | 0.3692% | 5,021 |
| Return on assets (ROA) | 0.3692% | 5,023 |
| Pretax return on assets | 0.3692% | 5,085 |
| Return on Equity (ROE) | 2.6609% | 5,071 |
| Retained earnings to average equity (ytd only) | 2.1857% | 4,406 |
| Net charge-offs to loans | 0.2407% | 659 |
| Credit loss provision to net charge-offs | 62.5000% | 2,410 |
| Earnings coverage of net charge-offs (x) | 4.1250% | 2,817 |
| Efficiency ratio | 85.8974% | 577 |
| Assets per employee ($millions) | 3.4829% | 4,616 |
| Cash dividends to net income (ytd only)* | 17.8571% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 3,027 |
| Loan loss allowance to noncurrent loans | 82.3529% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 2,418 |
| Noncurrent loans to loans | 1.3861% | 1,223 |
| Net loans and leases to total assets | 42.8442% | 4,953 |
| Net loans and leases to deposits | 53.0709% | 4,874 |
| Net loans and leases to core deposits | 59.9178% | 4,713 |
| Total domestic deposits to total assets | 80.7302% | 4,070 |
| Equity capital to assets | 13.8191% | 979 |
| Core capital (leverage) ratio | 15.0792% | 651 |
| Tier 1 risk-based capital ratio | 31.3015% | 434 |
| Total risk-based capital ratio | 32.3382% | 436 |
| Memoranda: | ||
| Average total assets | $45,500,000 | 5,142 |
| Average earning assets | $43,435,670 | 5,100 |
| Average equity | $6,313,670 | 4,954 |
| Average total loans | $19,940,000 | 5,198 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5299% | 4,822 |
| Cost of funding earning assets | 0.4596% | 3,134 |
| Net interest margin | 3.0703% | 4,764 |
| Noninterest income to average assets | 0.2719% | 4,352 |
| Noninterest expense to average assets | 2.6485% | 3,197 |
| Loan and lease loss provision to assets | 0.1315% | 1,439 |
| Net operating income to assets | 0.4210% | 4,886 |
| Return on assets (ROA) | 0.4210% | 4,892 |
| Pretax return on assets | 0.4210% | 5,002 |
| Return on Equity (ROE) | 3.0274% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.0274% | 3,991 |
| Net charge-offs to loans | 0.2786% | 555 |
| Credit loss provision to net charge-offs | 107.1429% | 1,472 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,297 |
| Efficiency ratio | 82.7397% | 885 |
| Assets per employee ($millions) | 3.7950% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 2,895 |
| Loan loss allowance to noncurrent loans | 65.6338% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 1,835 |
| Noncurrent loans to loans | 1.8069% | 924 |
| Net loans and leases to total assets | 42.6307% | 4,953 |
| Net loans and leases to deposits | 49.5167% | 4,980 |
| Net loans and leases to core deposits | 55.4211% | 4,856 |
| Total domestic deposits to total assets | 86.0935% | 2,511 |
| Equity capital to assets | 13.7418% | 970 |
| Core capital (leverage) ratio | 14.2044% | 832 |
| Tier 1 risk-based capital ratio | 29.7524% | 484 |
| Total risk-based capital ratio | 30.8167% | 483 |
| Memoranda: | ||
| Average total assets | $45,611,000 | 5,197 |
| Average earning assets | $43,513,500 | 5,153 |
| Average equity | $6,342,000 | 5,007 |
| Average total loans | $20,098,500 | 5,254 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4371% | 4,886 |
| Cost of funding earning assets | 0.4701% | 2,604 |
| Net interest margin | 2.9669% | 4,955 |
| Noninterest income to average assets | 0.1431% | 5,230 |
| Noninterest expense to average assets | 2.8302% | 2,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1965% | 5,117 |
| Return on assets (ROA) | 0.2285% | 5,070 |
| Pretax return on assets | 0.1218% | 5,362 |
| Return on Equity (ROE) | 1.6732% | 5,115 |
| Retained earnings to average equity (ytd only) | 1.2041% | 4,540 |
| Net charge-offs to loans | 0.1112% | 1,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1.8261% | 3,847 |
| Efficiency ratio | 96.9276% | 233 |
| Assets per employee ($millions) | 3.8068% | 4,271 |
| Cash dividends to net income (ytd only)* | 28.0374% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 3,156 |
| Loan loss allowance to noncurrent loans | 56.0096% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9106% | 1,701 |
| Noncurrent loans to loans | 2.0243% | 752 |
| Net loans and leases to total assets | 44.4748% | 4,955 |
| Net loans and leases to deposits | 51.8251% | 4,995 |
| Net loans and leases to core deposits | 58.0022% | 4,852 |
| Total domestic deposits to total assets | 85.8172% | 2,527 |
| Equity capital to assets | 14.0668% | 889 |
| Core capital (leverage) ratio | 14.3720% | 759 |
| Tier 1 risk-based capital ratio | 29.6508% | 473 |
| Total risk-based capital ratio | 30.6846% | 477 |
| Memoranda: | ||
| Average total assets | $46,817,000 | 5,216 |
| Average earning assets | $43,816,600 | 5,191 |
| Average equity | $6,394,800 | 5,043 |
| Average total loans | $20,676,600 | 5,294 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4383% | 4,911 |
| Cost of funding earning assets | 0.4499% | 2,716 |
| Net interest margin | 2.9884% | 4,943 |
| Noninterest income to average assets | 0.2519% | 4,700 |
| Noninterest expense to average assets | 2.9185% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1161% | 5,430 |
| Return on assets (ROA) | 0.1585% | 5,400 |
| Pretax return on assets | 0.1585% | 5,416 |
| Return on Equity (ROE) | 1.1689% | 5,411 |
| Retained earnings to average equity (ytd only) | 0.8560% | 5,022 |
| Net charge-offs to loans | 0.0708% | 2,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.7267% | 3,302 |
| Efficiency ratio | 96.1754% | 247 |
| Assets per employee ($millions) | 3.9632% | 4,051 |
| Cash dividends to net income (ytd only)* | 26.7881% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 3,029 |
| Loan loss allowance to noncurrent loans | 59.0361% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 1,814 |
| Noncurrent loans to loans | 2.0025% | 851 |
| Net loans and leases to total assets | 43.0611% | 5,074 |
| Net loans and leases to deposits | 49.9463% | 5,128 |
| Net loans and leases to core deposits | 55.6071% | 5,013 |
| Total domestic deposits to total assets | 86.2147% | 2,226 |
| Equity capital to assets | 13.6213% | 1,114 |
| Core capital (leverage) ratio | 14.1524% | 852 |
| Tier 1 risk-based capital ratio | 28.2371% | 551 |
| Total risk-based capital ratio | 29.2854% | 555 |
| Memoranda: | ||
| Average total assets | $47,100,750 | 5,266 |
| Average earning assets | $43,857,500 | 5,249 |
| Average equity | $6,387,000 | 5,100 |
| Average total loans | $20,708,250 | 5,352 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4872% | 4,798 |
| Cost of funding earning assets | 0.4388% | 2,709 |
| Net interest margin | 3.0485% | 4,795 |
| Noninterest income to average assets | 0.3110% | 4,313 |
| Noninterest expense to average assets | 3.1694% | 1,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0469% | 5,571 |
| Return on assets (ROA) | -0.0469% | 5,572 |
| Pretax return on assets | -0.0469% | 5,566 |
| Return on Equity (ROE) | -0.3461% | 5,570 |
| Retained earnings to average equity (ytd only) | -0.8180% | 5,210 |
| Net charge-offs to loans | -0.0869% | 5,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5007% | 172 |
| Assets per employee ($millions) | 3.8844% | 4,152 |
| Cash dividends to net income (ytd only)* | -136.3636% | 5,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,544 |
| Loan loss allowance to noncurrent loans | 51.6569% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.1692% | 1,461 |
| Noncurrent loans to loans | 2.4679% | 615 |
| Net loans and leases to total assets | 44.0263% | 5,040 |
| Net loans and leases to deposits | 55.4559% | 4,878 |
| Net loans and leases to core deposits | 62.5023% | 4,692 |
| Total domestic deposits to total assets | 79.3899% | 4,534 |
| Equity capital to assets | 13.7944% | 1,046 |
| Core capital (leverage) ratio | 14.0391% | 853 |
| Tier 1 risk-based capital ratio | 28.5090% | 524 |
| Total risk-based capital ratio | 29.6674% | 515 |
| Memoranda: | ||
| Average total assets | $46,948,330 | 5,311 |
| Average earning assets | $43,300,670 | 5,302 |
| Average equity | $6,356,670 | 5,134 |
| Average total loans | $20,703,000 | 5,389 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5259% | 4,620 |
| Cost of funding earning assets | 0.4361% | 2,655 |
| Net interest margin | 3.0898% | 4,681 |
| Noninterest income to average assets | 0.2292% | 4,901 |
| Noninterest expense to average assets | 2.8271% | 2,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2292% | 5,347 |
| Return on assets (ROA) | 0.2292% | 5,359 |
| Pretax return on assets | 0.2292% | 5,407 |
| Return on Equity (ROE) | 1.7089% | 5,383 |
| Retained earnings to average equity (ytd only) | 1.7089% | 4,425 |
| Net charge-offs to loans | -0.3872% | 5,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5000% | 430 |
| Assets per employee ($millions) | 3.8578% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 2,220 |
| Loan loss allowance to noncurrent loans | 58.8486% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.3026% | 1,306 |
| Noncurrent loans to loans | 2.3232% | 700 |
| Net loans and leases to total assets | 43.0130% | 5,101 |
| Net loans and leases to deposits | 51.2496% | 5,058 |
| Net loans and leases to core deposits | 58.2512% | 4,868 |
| Total domestic deposits to total assets | 83.9285% | 3,503 |
| Equity capital to assets | 13.7170% | 1,000 |
| Core capital (leverage) ratio | 14.0265% | 836 |
| Tier 1 risk-based capital ratio | 29.3707% | 502 |
| Total risk-based capital ratio | 30.5913% | 502 |
| Memoranda: | ||
| Average total assets | $47,116,000 | 5,367 |
| Average earning assets | $43,110,000 | 5,368 |
| Average equity | $6,320,000 | 5,189 |
| Average total loans | $20,661,000 | 5,444 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6527% | 4,362 |
| Cost of funding earning assets | 0.3863% | 3,143 |
| Net interest margin | 3.2664% | 4,241 |
| Noninterest income to average assets | 0.1645% | 5,390 |
| Noninterest expense to average assets | 2.5933% | 3,693 |
| Loan and lease loss provision to assets | 0.0219% | 3,934 |
| Net operating income to assets | 0.4432% | 4,817 |
| Return on assets (ROA) | 0.4432% | 4,900 |
| Pretax return on assets | 0.5178% | 4,990 |
| Return on Equity (ROE) | 3.1638% | 5,115 |
| Retained earnings to average equity (ytd only) | 2.6939% | 3,988 |
| Net charge-offs to loans | -0.0608% | 5,451 |
| Credit loss provision to net charge-offs | -76.9231% | 4,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7731% | 1,116 |
| Assets per employee ($millions) | 3.9949% | 3,979 |
| Cash dividends to net income (ytd only)* | 14.8515% | 3,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 3,057 |
| Loan loss allowance to noncurrent loans | 53.6688% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.2182% | 1,473 |
| Noncurrent loans to loans | 2.2570% | 745 |
| Net loans and leases to total assets | 43.5512% | 5,142 |
| Net loans and leases to deposits | 50.1911% | 5,203 |
| Net loans and leases to core deposits | 56.5370% | 5,028 |
| Total domestic deposits to total assets | 86.7707% | 2,253 |
| Equity capital to assets | 13.1208% | 1,213 |
| Core capital (leverage) ratio | 13.5849% | 938 |
| Tier 1 risk-based capital ratio | 28.9523% | 517 |
| Total risk-based capital ratio | 30.0620% | 518 |
| Memoranda: | ||
| Average total assets | $45,579,400 | 5,426 |
| Average earning assets | $41,421,400 | 5,434 |
| Average equity | $6,384,800 | 5,213 |
| Average total loans | $21,393,400 | 5,470 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6632% | 4,360 |
| Cost of funding earning assets | 0.3767% | 3,265 |
| Net interest margin | 3.2865% | 4,230 |
| Noninterest income to average assets | 0.1659% | 5,435 |
| Noninterest expense to average assets | 2.6257% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4534% | 4,863 |
| Return on assets (ROA) | 0.4534% | 4,945 |
| Pretax return on assets | 0.5394% | 5,039 |
| Return on Equity (ROE) | 3.1831% | 5,176 |
| Retained earnings to average equity (ytd only) | 2.8712% | 4,175 |
| Net charge-offs to loans | -0.2610% | 5,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9588% | 1,076 |
| Assets per employee ($millions) | 4.0855% | 3,814 |
| Cash dividends to net income (ytd only)* | 9.8044% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 2,830 |
| Loan loss allowance to noncurrent loans | 43.3071% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 1,381 |
| Noncurrent loans to loans | 2.9378% | 525 |
| Net loans and leases to total assets | 43.5279% | 5,223 |
| Net loans and leases to deposits | 50.3730% | 5,280 |
| Net loans and leases to core deposits | 53.0912% | 5,261 |
| Total domestic deposits to total assets | 86.4113% | 2,165 |
| Equity capital to assets | 13.2644% | 1,364 |
| Core capital (leverage) ratio | 13.8574% | 891 |
| Tier 1 risk-based capital ratio | 27.6039% | 607 |
| Total risk-based capital ratio | 28.7812% | 595 |
| Memoranda: | ||
| Average total assets | $44,989,500 | 5,498 |
| Average earning assets | $41,056,000 | 5,495 |
| Average equity | $6,408,500 | 5,262 |
| Average total loans | $21,458,250 | 5,516 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7086% | 4,276 |
| Cost of funding earning assets | 0.3674% | 3,382 |
| Net interest margin | 3.3412% | 4,086 |
| Noninterest income to average assets | 0.1604% | 5,518 |
| Noninterest expense to average assets | 2.7174% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5270% | 4,574 |
| Return on assets (ROA) | 0.5270% | 4,694 |
| Pretax return on assets | 0.5270% | 5,085 |
| Return on Equity (ROE) | 3.6067% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.1363% | 3,907 |
| Net charge-offs to loans | -0.3924% | 5,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7571% | 1,071 |
| Assets per employee ($millions) | 3.9759% | 3,961 |
| Cash dividends to net income (ytd only)* | 13.0435% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 2,893 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 1.3307% | 1,509 |
| Noncurrent loans to loans | 2.5629% | 667 |
| Net loans and leases to total assets | 48.4395% | 4,955 |
| Net loans and leases to deposits | 57.4166% | 4,934 |
| Net loans and leases to core deposits | 61.0026% | 4,934 |
| Total domestic deposits to total assets | 84.3649% | 3,132 |
| Equity capital to assets | 14.8302% | 777 |
| Core capital (leverage) ratio | 14.6296% | 688 |
| Tier 1 risk-based capital ratio | 28.7382% | 551 |
| Total risk-based capital ratio | 29.9731% | 546 |
| Memoranda: | ||
| Average total assets | $43,644,000 | 5,589 |
| Average earning assets | $40,285,000 | 5,580 |
| Average equity | $6,377,000 | 5,317 |
| Average total loans | $21,406,000 | 5,579 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7887% | 3,983 |
| Cost of funding earning assets | 0.3718% | 3,377 |
| Net interest margin | 3.4168% | 3,813 |
| Noninterest income to average assets | 0.2018% | 5,293 |
| Noninterest expense to average assets | 2.7524% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5688% | 4,323 |
| Return on assets (ROA) | 0.5688% | 4,432 |
| Pretax return on assets | 0.5688% | 4,905 |
| Return on Equity (ROE) | 3.9225% | 4,916 |
| Retained earnings to average equity (ytd only) | 3.9225% | 3,534 |
| Net charge-offs to loans | -0.5987% | 6,009 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8729% | 1,271 |
| Assets per employee ($millions) | 3.9093% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 3,175 |
| Loan loss allowance to noncurrent loans | 46.9858% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 1.3976% | 1,483 |
| Noncurrent loans to loans | 2.6621% | 677 |
| Net loans and leases to total assets | 48.6512% | 4,916 |
| Net loans and leases to deposits | 57.2833% | 4,900 |
| Net loans and leases to core deposits | 60.0264% | 4,938 |
| Total domestic deposits to total assets | 84.9309% | 3,154 |
| Equity capital to assets | 14.8226% | 737 |
| Core capital (leverage) ratio | 14.4238% | 711 |
| Tier 1 risk-based capital ratio | 30.3799% | 491 |
| Total risk-based capital ratio | 31.6286% | 481 |
| Memoranda: | ||
| Average total assets | $43,598,500 | 5,644 |
| Average earning assets | $39,803,000 | 5,641 |
| Average equity | $6,322,500 | 5,356 |
| Average total loans | $21,379,000 | 5,631 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8577% | 3,854 |
| Cost of funding earning assets | 0.3732% | 3,446 |
| Net interest margin | 3.4845% | 3,576 |
| Noninterest income to average assets | 0.1082% | 5,850 |
| Noninterest expense to average assets | 2.6115% | 3,883 |
| Loan and lease loss provision to assets | 0.0576% | 3,161 |
| Net operating income to assets | 0.3731% | 5,129 |
| Return on assets (ROA) | 0.3731% | 5,217 |
| Pretax return on assets | 0.6425% | 4,694 |
| Return on Equity (ROE) | 2.6105% | 5,429 |
| Retained earnings to average equity (ytd only) | 2.1755% | 4,482 |
| Net charge-offs to loans | 0.3125% | 963 |
| Credit loss provision to net charge-offs | 35.7143% | 3,582 |
| Earnings coverage of net charge-offs (x) | 4.3429% | 3,570 |
| Efficiency ratio | 78.8595% | 1,836 |
| Assets per employee ($millions) | 4.0177% | 3,908 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 4,153 |
| Loan loss allowance to noncurrent loans | 42.3636% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 1.3282% | 1,600 |
| Noncurrent loans to loans | 2.5496% | 706 |
| Net loans and leases to total assets | 48.2837% | 4,990 |
| Net loans and leases to deposits | 56.3882% | 5,020 |
| Net loans and leases to core deposits | 58.9899% | 5,044 |
| Total domestic deposits to total assets | 85.6273% | 2,800 |
| Equity capital to assets | 14.1894% | 869 |
| Core capital (leverage) ratio | 14.3080% | 754 |
| Tier 1 risk-based capital ratio | 29.2613% | 540 |
| Total risk-based capital ratio | 30.3391% | 539 |
| Memoranda: | ||
| Average total assets | $43,422,600 | 5,694 |
| Average earning assets | $39,920,000 | 5,679 |
| Average equity | $6,205,600 | 5,396 |
| Average total loans | $22,402,800 | 5,637 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 3,948 |
| Cost of funding earning assets | 0.3629% | 3,626 |
| Net interest margin | 3.4854% | 3,599 |
| Noninterest income to average assets | 0.0864% | 6,003 |
| Noninterest expense to average assets | 2.5753% | 3,963 |
| Loan and lease loss provision to assets | 0.0771% | 2,647 |
| Net operating income to assets | 0.3855% | 5,212 |
| Return on assets (ROA) | 0.3855% | 5,295 |
| Pretax return on assets | 0.6631% | 4,795 |
| Return on Equity (ROE) | 2.6927% | 5,485 |
| Retained earnings to average equity (ytd only) | 2.4127% | 4,668 |
| Net charge-offs to loans | 0.4363% | 583 |
| Credit loss provision to net charge-offs | 33.7838% | 3,237 |
| Earnings coverage of net charge-offs (x) | 3.2434% | 3,537 |
| Efficiency ratio | 77.6744% | 1,998 |
| Assets per employee ($millions) | 3.6582% | 4,503 |
| Cash dividends to net income (ytd only)* | 10.3984% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 4,555 |
| Loan loss allowance to noncurrent loans | 41.7883% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 1.3326% | 1,757 |
| Noncurrent loans to loans | 2.4750% | 826 |
| Net loans and leases to total assets | 49.9157% | 4,941 |
| Net loans and leases to deposits | 58.3744% | 4,965 |
| Net loans and leases to core deposits | 61.0907% | 4,993 |
| Total domestic deposits to total assets | 85.5096% | 2,778 |
| Equity capital to assets | 14.2489% | 930 |
| Core capital (leverage) ratio | 14.3421% | 773 |
| Tier 1 risk-based capital ratio | 29.0795% | 564 |
| Total risk-based capital ratio | 30.1441% | 568 |
| Memoranda: | ||
| Average total assets | $43,229,500 | 5,775 |
| Average earning assets | $40,051,500 | 5,750 |
| Average equity | $6,189,250 | 5,464 |
| Average total loans | $22,610,500 | 5,702 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 3,974 |
| Cost of funding earning assets | 0.3550% | 3,754 |
| Net interest margin | 3.4701% | 3,618 |
| Noninterest income to average assets | 0.0233% | 6,224 |
| Noninterest expense to average assets | 2.5112% | 4,207 |
| Loan and lease loss provision to assets | 0.1163% | 1,904 |
| Net operating income to assets | 0.3302% | 5,355 |
| Return on assets (ROA) | 0.3302% | 5,456 |
| Pretax return on assets | 0.6232% | 4,918 |
| Return on Equity (ROE) | 2.3025% | 5,618 |
| Retained earnings to average equity (ytd only) | 1.8809% | 4,755 |
| Net charge-offs to loans | 0.5798% | 418 |
| Credit loss provision to net charge-offs | 37.8788% | 2,839 |
| Earnings coverage of net charge-offs (x) | 2.4091% | 3,345 |
| Efficiency ratio | 77.2532% | 2,165 |
| Assets per employee ($millions) | 3.9706% | 3,941 |
| Cash dividends to net income (ytd only)* | 18.3099% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 4,611 |
| Loan loss allowance to noncurrent loans | 38.4117% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 1.4974% | 1,647 |
| Noncurrent loans to loans | 2.7323% | 782 |
| Net loans and leases to total assets | 51.1596% | 4,830 |
| Net loans and leases to deposits | 62.9738% | 4,621 |
| Net loans and leases to core deposits | 66.0821% | 4,647 |
| Total domestic deposits to total assets | 81.2396% | 4,533 |
| Equity capital to assets | 14.1654% | 928 |
| Core capital (leverage) ratio | 14.3387% | 750 |
| Tier 1 risk-based capital ratio | 28.7114% | 601 |
| Total risk-based capital ratio | 29.7913% | 607 |
| Memoranda: | ||
| Average total assets | $43,006,670 | 5,843 |
| Average earning assets | $39,999,000 | 5,814 |
| Average equity | $6,167,330 | 5,512 |
| Average total loans | $22,767,000 | 5,753 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 3,775 |
| Cost of funding earning assets | 0.3650% | 3,694 |
| Net interest margin | 3.4978% | 3,448 |
| Noninterest income to average assets | -0.0562% | 6,362 |
| Noninterest expense to average assets | 2.6060% | 3,899 |
| Loan and lease loss provision to assets | 0.2343% | 734 |
| Net operating income to assets | 0.2625% | 5,525 |
| Return on assets (ROA) | 0.2625% | 5,618 |
| Pretax return on assets | 0.3375% | 5,564 |
| Return on Equity (ROE) | 1.8189% | 5,725 |
| Retained earnings to average equity (ytd only) | 1.8189% | 4,739 |
| Net charge-offs to loans | 0.2450% | 973 |
| Credit loss provision to net charge-offs | 178.5714% | 1,134 |
| Earnings coverage of net charge-offs (x) | 4.3571% | 2,509 |
| Efficiency ratio | 82.0059% | 1,615 |
| Assets per employee ($millions) | 4.3342% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 3,510 |
| Loan loss allowance to noncurrent loans | 56.7780% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 1.3059% | 2,037 |
| Noncurrent loans to loans | 2.2572% | 1,107 |
| Net loans and leases to total assets | 51.3613% | 4,713 |
| Net loans and leases to deposits | 60.0189% | 4,745 |
| Net loans and leases to core deposits | 62.8487% | 4,789 |
| Total domestic deposits to total assets | 85.5752% | 3,144 |
| Equity capital to assets | 14.2933% | 892 |
| Core capital (leverage) ratio | 14.2759% | 746 |
| Tier 1 risk-based capital ratio | 28.6336% | 610 |
| Total risk-based capital ratio | 29.8837% | 602 |
| Memoranda: | ||
| Average total assets | $42,671,500 | 5,900 |
| Average earning assets | $39,453,000 | 5,883 |
| Average equity | $6,157,500 | 5,562 |
| Average total loans | $22,859,500 | 5,795 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 3,076 |
| Cost of funding earning assets | 0.3671% | 4,065 |
| Net interest margin | 3.7949% | 2,639 |
| Noninterest income to average assets | 0.2497% | 5,337 |
| Noninterest expense to average assets | 2.8419% | 3,335 |
| Loan and lease loss provision to assets | 0.2378% | 995 |
| Net operating income to assets | 0.3524% | 5,372 |
| Return on assets (ROA) | 0.3829% | 5,347 |
| Pretax return on assets | 0.7087% | 4,591 |
| Return on Equity (ROE) | 2.6912% | 5,574 |
| Retained earnings to average equity (ytd only) | 2.2399% | 4,651 |
| Net charge-offs to loans | 0.4907% | 844 |
| Credit loss provision to net charge-offs | 87.7193% | 2,690 |
| Earnings coverage of net charge-offs (x) | 3.3158% | 3,917 |
| Efficiency ratio | 75.9695% | 2,516 |
| Assets per employee ($millions) | 4.2001% | 3,546 |
| Cash dividends to net income (ytd only)* | 16.7702% | 3,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 3,997 |
| Loan loss allowance to noncurrent loans | 52.3540% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 1.4452% | 1,903 |
| Noncurrent loans to loans | 2.2919% | 1,140 |
| Net loans and leases to total assets | 54.5011% | 4,512 |
| Net loans and leases to deposits | 63.9378% | 4,532 |
| Net loans and leases to core deposits | 67.0268% | 4,592 |
| Total domestic deposits to total assets | 85.2408% | 3,189 |
| Equity capital to assets | 14.5711% | 792 |
| Core capital (leverage) ratio | 14.3691% | 734 |
| Tier 1 risk-based capital ratio | 29.3264% | 538 |
| Total risk-based capital ratio | 30.5791% | 529 |
| Memoranda: | ||
| Average total assets | $42,050,000 | 5,987 |
| Average earning assets | $38,683,000 | 5,963 |
| Average equity | $5,982,400 | 5,624 |
| Average total loans | $23,230,200 | 5,844 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 2,977 |
| Cost of funding earning assets | 0.3618% | 4,219 |
| Net interest margin | 3.8419% | 2,468 |
| Noninterest income to average assets | 0.2758% | 5,231 |
| Noninterest expense to average assets | 2.6785% | 3,902 |
| Loan and lease loss provision to assets | 0.2853% | 709 |
| Net operating income to assets | 0.5237% | 4,779 |
| Return on assets (ROA) | 0.5642% | 4,687 |
| Pretax return on assets | 0.9097% | 3,947 |
| Return on Equity (ROE) | 3.9901% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.6986% | 4,008 |
| Net charge-offs to loans | 0.6653% | 531 |
| Credit loss provision to net charge-offs | 77.5862% | 2,645 |
| Earnings coverage of net charge-offs (x) | 3.0777% | 3,745 |
| Efficiency ratio | 70.2995% | 3,459 |
| Assets per employee ($millions) | 4.3284% | 3,253 |
| Cash dividends to net income (ytd only)* | 7.3021% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 4,395 |
| Loan loss allowance to noncurrent loans | 60.4545% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 1.1921% | 2,573 |
| Noncurrent loans to loans | 1.9315% | 1,656 |
| Net loans and leases to total assets | 52.0146% | 4,807 |
| Net loans and leases to deposits | 60.6111% | 4,885 |
| Net loans and leases to core deposits | 63.4287% | 4,933 |
| Total domestic deposits to total assets | 85.8169% | 2,948 |
| Equity capital to assets | 14.0329% | 993 |
| Core capital (leverage) ratio | 14.6087% | 697 |
| Tier 1 risk-based capital ratio | 29.6608% | 545 |
| Total risk-based capital ratio | 30.9119% | 533 |
| Memoranda: | ||
| Average total assets | $42,062,250 | 6,053 |
| Average earning assets | $38,695,000 | 6,032 |
| Average equity | $5,948,000 | 5,689 |
| Average total loans | $23,245,500 | 5,907 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 2,654 |
| Cost of funding earning assets | 0.3568% | 4,354 |
| Net interest margin | 3.9247% | 2,069 |
| Noninterest income to average assets | 0.3025% | 4,987 |
| Noninterest expense to average assets | 2.7176% | 3,801 |
| Loan and lease loss provision to assets | 0.4321% | 382 |
| Net operating income to assets | 0.5089% | 4,773 |
| Return on assets (ROA) | 0.5089% | 4,869 |
| Pretax return on assets | 0.7970% | 4,277 |
| Return on Equity (ROE) | 3.5896% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.1493% | 4,201 |
| Net charge-offs to loans | 0.8119% | 469 |
| Credit loss provision to net charge-offs | 94.7368% | 2,099 |
| Earnings coverage of net charge-offs (x) | 2.6947% | 3,487 |
| Efficiency ratio | 68.8564% | 3,855 |
| Assets per employee ($millions) | 3.4479% | 4,954 |
| Cash dividends to net income (ytd only)* | 12.2642% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 4,176 |
| Loan loss allowance to noncurrent loans | 78.2016% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 2,929 |
| Noncurrent loans to loans | 1.5957% | 2,180 |
| Net loans and leases to total assets | 54.8931% | 4,422 |
| Net loans and leases to deposits | 65.6549% | 4,304 |
| Net loans and leases to core deposits | 68.9433% | 4,369 |
| Total domestic deposits to total assets | 83.6085% | 4,075 |
| Equity capital to assets | 14.5692% | 803 |
| Core capital (leverage) ratio | 14.6219% | 672 |
| Tier 1 risk-based capital ratio | 29.2835% | 559 |
| Total risk-based capital ratio | 30.5331% | 545 |
| Memoranda: | ||
| Average total assets | $41,655,000 | 6,118 |
| Average earning assets | $38,678,330 | 6,083 |
| Average equity | $5,906,000 | 5,734 |
| Average total loans | $23,400,670 | 5,953 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 1,954 |
| Cost of funding earning assets | 0.3615% | 4,424 |
| Net interest margin | 4.0902% | 1,488 |
| Noninterest income to average assets | 0.3733% | 4,400 |
| Noninterest expense to average assets | 3.0721% | 2,616 |
| Loan and lease loss provision to assets | 0.8135% | 145 |
| Net operating income to assets | 0.0191% | 6,188 |
| Return on assets (ROA) | 0.0191% | 6,205 |
| Pretax return on assets | 0.2775% | 5,767 |
| Return on Equity (ROE) | 0.1369% | 6,209 |
| Retained earnings to average equity (ytd only) | 0.1369% | 5,506 |
| Net charge-offs to loans | 0.7966% | 436 |
| Credit loss provision to net charge-offs | 180.8511% | 1,119 |
| Earnings coverage of net charge-offs (x) | 2.4255% | 2,877 |
| Efficiency ratio | 73.7931% | 3,180 |
| Assets per employee ($millions) | 3.2594% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 3,558 |
| Loan loss allowance to noncurrent loans | 98.8024% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.9723% | 3,315 |
| Noncurrent loans to loans | 1.4259% | 2,645 |
| Net loans and leases to total assets | 54.5030% | 4,348 |
| Net loans and leases to deposits | 63.3702% | 4,391 |
| Net loans and leases to core deposits | 66.3754% | 4,461 |
| Total domestic deposits to total assets | 86.0073% | 3,359 |
| Equity capital to assets | 13.8535% | 967 |
| Core capital (leverage) ratio | 13.9589% | 832 |
| Tier 1 risk-based capital ratio | 28.4496% | 613 |
| Total risk-based capital ratio | 29.7053% | 596 |
| Memoranda: | ||
| Average total assets | $41,795,000 | 6,173 |
| Average earning assets | $38,727,000 | 6,139 |
| Average equity | $5,845,000 | 5,785 |
| Average total loans | $23,601,500 | 5,999 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 4,175 |
| Cost of funding earning assets | 0.4102% | 4,537 |
| Net interest margin | 3.5647% | 3,621 |
| Noninterest income to average assets | 0.1603% | 6,125 |
| Noninterest expense to average assets | 2.9947% | 3,071 |
| Loan and lease loss provision to assets | 0.2990% | 1,129 |
| Net operating income to assets | 0.1295% | 5,979 |
| Return on assets (ROA) | 0.3349% | 5,499 |
| Pretax return on assets | 0.3923% | 5,512 |
| Return on Equity (ROE) | 2.3555% | 5,723 |
| Retained earnings to average equity (ytd only) | 1.9180% | 4,866 |
| Net charge-offs to loans | 0.2453% | 2,510 |
| Credit loss provision to net charge-offs | 219.2982% | 1,052 |
| Earnings coverage of net charge-offs (x) | 3.2982% | 3,904 |
| Efficiency ratio | 86.9444% | 1,319 |
| Assets per employee ($millions) | 2.9441% | 5,916 |
| Cash dividends to net income (ytd only)* | 18.5714% | 3,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 4,507 |
| Loan loss allowance to noncurrent loans | 32.3725% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 2.4965% | 1,377 |
| Noncurrent loans to loans | 3.7933% | 782 |
| Net loans and leases to total assets | 56.9824% | 4,192 |
| Net loans and leases to deposits | 66.4375% | 4,249 |
| Net loans and leases to core deposits | 69.6902% | 4,315 |
| Total domestic deposits to total assets | 85.7684% | 3,378 |
| Equity capital to assets | 14.1200% | 871 |
| Core capital (leverage) ratio | 14.3890% | 722 |
| Tier 1 risk-based capital ratio | 27.8453% | 620 |
| Total risk-based capital ratio | 29.0977% | 602 |
| Memoranda: | ||
| Average total assets | $41,807,600 | 6,234 |
| Average earning assets | $38,516,200 | 6,207 |
| Average equity | $5,943,600 | 5,835 |
| Average total loans | $23,232,600 | 6,072 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 4,022 |
| Cost of funding earning assets | 0.4246% | 4,558 |
| Net interest margin | 3.6037% | 3,428 |
| Noninterest income to average assets | 0.1811% | 6,110 |
| Noninterest expense to average assets | 3.0349% | 2,870 |
| Loan and lease loss provision to assets | 0.3972% | 766 |
| Net operating income to assets | 0.0547% | 6,212 |
| Return on assets (ROA) | 0.3114% | 5,691 |
| Pretax return on assets | 0.3877% | 5,657 |
| Return on Equity (ROE) | 2.1870% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.8969% | 5,180 |
| Net charge-offs to loans | 0.3637% | 1,743 |
| Credit loss provision to net charge-offs | 198.4127% | 1,221 |
| Earnings coverage of net charge-offs (x) | 2.3174% | 4,065 |
| Efficiency ratio | 86.7393% | 1,292 |
| Assets per employee ($millions) | 2.9559% | 5,917 |
| Cash dividends to net income (ytd only)* | 13.2634% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 4,908 |
| Loan loss allowance to noncurrent loans | 39.5028% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 1.9380% | 2,096 |
| Noncurrent loans to loans | 3.0145% | 1,332 |
| Net loans and leases to total assets | 57.3462% | 4,114 |
| Net loans and leases to deposits | 66.9025% | 4,191 |
| Net loans and leases to core deposits | 70.7016% | 4,243 |
| Total domestic deposits to total assets | 85.7160% | 3,396 |
| Equity capital to assets | 13.9940% | 968 |
| Core capital (leverage) ratio | 14.5262% | 727 |
| Tier 1 risk-based capital ratio | 27.3919% | 676 |
| Total risk-based capital ratio | 28.6433% | 660 |
| Memoranda: | ||
| Average total assets | $41,955,000 | 6,299 |
| Average earning assets | $38,626,000 | 6,279 |
| Average equity | $5,974,500 | 5,901 |
| Average total loans | $23,096,000 | 6,135 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9465% | 4,304 |
| Cost of funding earning assets | 0.4597% | 4,315 |
| Net interest margin | 3.4868% | 3,831 |
| Noninterest income to average assets | 0.1898% | 6,073 |
| Noninterest expense to average assets | 3.0133% | 2,958 |
| Loan and lease loss provision to assets | 0.2373% | 1,565 |
| Net operating income to assets | 0.1177% | 6,091 |
| Return on assets (ROA) | 0.4983% | 4,983 |
| Pretax return on assets | 0.6122% | 4,979 |
| Return on Equity (ROE) | 3.4793% | 5,434 |
| Retained earnings to average equity (ytd only) | 3.0485% | 4,380 |
| Net charge-offs to loans | 0.1755% | 2,717 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,239 |
| Efficiency ratio | 88.8112% | 1,148 |
| Assets per employee ($millions) | 2.7515% | 6,220 |
| Cash dividends to net income (ytd only)* | 12.3810% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 5,473 |
| Loan loss allowance to noncurrent loans | 57.3363% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 1.1630% | 3,424 |
| Noncurrent loans to loans | 1.9071% | 2,496 |
| Net loans and leases to total assets | 55.6673% | 4,347 |
| Net loans and leases to deposits | 67.0940% | 4,132 |
| Net loans and leases to core deposits | 71.7162% | 4,080 |
| Total domestic deposits to total assets | 82.9691% | 4,704 |
| Equity capital to assets | 14.3754% | 851 |
| Core capital (leverage) ratio | 14.4603% | 714 |
| Tier 1 risk-based capital ratio | 28.3704% | 612 |
| Total risk-based capital ratio | 29.5619% | 603 |
| Memoranda: | ||
| Average total assets | $42,146,000 | 6,340 |
| Average earning assets | $38,718,000 | 6,325 |
| Average equity | $6,035,670 | 5,924 |
| Average total loans | $22,789,000 | 6,183 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 3,743 |
| Cost of funding earning assets | 0.5542% | 3,531 |
| Net interest margin | 3.5410% | 3,516 |
| Noninterest income to average assets | 0.1785% | 6,196 |
| Noninterest expense to average assets | 2.9589% | 3,125 |
| Loan and lease loss provision to assets | 0.4697% | 588 |
| Net operating income to assets | -0.0094% | 6,357 |
| Return on assets (ROA) | 0.7139% | 3,763 |
| Pretax return on assets | 0.7139% | 4,513 |
| Return on Equity (ROE) | 4.9943% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.9943% | 3,240 |
| Net charge-offs to loans | 0.5317% | 1,131 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 1.6333% | 3,289 |
| Efficiency ratio | 86.5385% | 1,453 |
| Assets per employee ($millions) | 3.0384% | 5,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 5,633 |
| Loan loss allowance to noncurrent loans | 60.6965% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 1.0320% | 3,869 |
| Noncurrent loans to loans | 1.7999% | 2,863 |
| Net loans and leases to total assets | 51.9300% | 4,712 |
| Net loans and leases to deposits | 60.9413% | 4,687 |
| Net loans and leases to core deposits | 63.1757% | 4,829 |
| Total domestic deposits to total assets | 85.2132% | 3,941 |
| Equity capital to assets | 14.3166% | 933 |
| Core capital (leverage) ratio | 13.8353% | 839 |
| Tier 1 risk-based capital ratio | 28.8426% | 592 |
| Total risk-based capital ratio | 30.0091% | 584 |
| Memoranda: | ||
| Average total assets | $42,583,000 | 6,383 |
| Average earning assets | $38,972,500 | 6,368 |
| Average equity | $6,087,000 | 5,959 |
| Average total loans | $22,569,000 | 6,248 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2200% | 4,511 |
| Cost of funding earning assets | 0.5745% | 4,593 |
| Net interest margin | 3.6455% | 3,901 |
| Noninterest income to average assets | 0.1795% | 6,113 |
| Noninterest expense to average assets | 2.8690% | 3,766 |
| Loan and lease loss provision to assets | 0.1165% | 4,170 |
| Net operating income to assets | 0.3870% | 5,150 |
| Return on assets (ROA) | 0.5454% | 4,749 |
| Pretax return on assets | 0.6922% | 4,692 |
| Return on Equity (ROE) | 3.8848% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.4532% | 3,797 |
| Net charge-offs to loans | 0.3610% | 2,828 |
| Credit loss provision to net charge-offs | 62.5000% | 4,383 |
| Earnings coverage of net charge-offs (x) | 3.2625% | 3,800 |
| Efficiency ratio | 82.5067% | 1,806 |
| Assets per employee ($millions) | 3.2791% | 5,458 |
| Cash dividends to net income (ytd only)* | 11.1111% | 4,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 6,021 |
| Loan loss allowance to noncurrent loans | 70.8861% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8281% | 4,401 |
| Noncurrent loans to loans | 1.3857% | 3,523 |
| Net loans and leases to total assets | 52.9699% | 4,767 |
| Net loans and leases to deposits | 63.9298% | 4,541 |
| Net loans and leases to core deposits | 65.5348% | 4,786 |
| Total domestic deposits to total assets | 82.8563% | 4,778 |
| Equity capital to assets | 14.2723% | 946 |
| Core capital (leverage) ratio | 13.6992% | 885 |
| Tier 1 risk-based capital ratio | 27.9756% | 630 |
| Total risk-based capital ratio | 29.0277% | 626 |
| Memoranda: | ||
| Average total assets | $42,907,000 | 6,400 |
| Average earning assets | $38,815,400 | 6,405 |
| Average equity | $6,023,400 | 6,016 |
| Average total loans | $22,162,000 | 6,335 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 4,737 |
| Cost of funding earning assets | 0.5954% | 4,696 |
| Net interest margin | 3.6277% | 4,114 |
| Noninterest income to average assets | 0.1799% | 6,227 |
| Noninterest expense to average assets | 2.9287% | 3,487 |
| Loan and lease loss provision to assets | 0.1551% | 3,585 |
| Net operating income to assets | 0.3609% | 5,401 |
| Return on assets (ROA) | 0.5646% | 4,819 |
| Pretax return on assets | 0.5739% | 5,248 |
| Return on Equity (ROE) | 4.0388% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.7503% | 4,255 |
| Net charge-offs to loans | 0.3939% | 2,516 |
| Credit loss provision to net charge-offs | 76.9231% | 3,706 |
| Earnings coverage of net charge-offs (x) | 2.5847% | 4,007 |
| Efficiency ratio | 84.8921% | 1,486 |
| Assets per employee ($millions) | 3.3592% | 5,306 |
| Cash dividends to net income (ytd only)* | 7.1417% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 5,777 |
| Loan loss allowance to noncurrent loans | 106.2222% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 5,174 |
| Noncurrent loans to loans | 1.0228% | 4,405 |
| Net loans and leases to total assets | 49.8260% | 5,331 |
| Net loans and leases to deposits | 61.9033% | 4,978 |
| Net loans and leases to core deposits | 63.4577% | 5,210 |
| Total domestic deposits to total assets | 80.4900% | 5,519 |
| Equity capital to assets | 13.9524% | 1,176 |
| Core capital (leverage) ratio | 13.7862% | 909 |
| Tier 1 risk-based capital ratio | 28.4041% | 616 |
| Total risk-based capital ratio | 29.5512% | 614 |
| Memoranda: | ||
| Average total assets | $42,976,750 | 6,469 |
| Average earning assets | $38,738,500 | 6,479 |
| Average equity | $6,008,250 | 6,088 |
| Average total loans | $22,001,500 | 6,422 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 4,834 |
| Cost of funding earning assets | 0.6335% | 4,594 |
| Net interest margin | 3.6003% | 4,257 |
| Noninterest income to average assets | 0.1872% | 6,228 |
| Noninterest expense to average assets | 3.0038% | 3,247 |
| Loan and lease loss provision to assets | 0.1872% | 3,231 |
| Net operating income to assets | 0.2640% | 5,723 |
| Return on assets (ROA) | 0.4585% | 5,240 |
| Pretax return on assets | 0.4632% | 5,537 |
| Return on Equity (ROE) | 3.2776% | 5,574 |
| Retained earnings to average equity (ytd only) | 2.8428% | 4,733 |
| Net charge-offs to loans | 0.5817% | 1,864 |
| Credit loss provision to net charge-offs | 62.5000% | 3,735 |
| Earnings coverage of net charge-offs (x) | 1.5156% | 4,235 |
| Efficiency ratio | 86.8742% | 1,354 |
| Assets per employee ($millions) | 3.1879% | 5,672 |
| Cash dividends to net income (ytd only)* | 13.2653% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 5,901 |
| Loan loss allowance to noncurrent loans | 87.7863% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 5,192 |
| Noncurrent loans to loans | 1.2162% | 4,117 |
| Net loans and leases to total assets | 51.4248% | 5,166 |
| Net loans and leases to deposits | 64.3303% | 4,718 |
| Net loans and leases to core deposits | 66.0489% | 4,998 |
| Total domestic deposits to total assets | 79.9387% | 5,754 |
| Equity capital to assets | 14.5091% | 915 |
| Core capital (leverage) ratio | 13.7763% | 875 |
| Tier 1 risk-based capital ratio | 28.7432% | 593 |
| Total risk-based capital ratio | 29.8763% | 585 |
| Memoranda: | ||
| Average total assets | $42,745,670 | 6,521 |
| Average earning assets | $38,830,000 | 6,516 |
| Average equity | $5,980,000 | 6,125 |
| Average total loans | $22,002,670 | 6,465 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3400% | 4,564 |
| Cost of funding earning assets | 0.6960% | 4,316 |
| Net interest margin | 3.6440% | 4,070 |
| Noninterest income to average assets | 0.2212% | 6,031 |
| Noninterest expense to average assets | 2.8942% | 3,645 |
| Loan and lease loss provision to assets | 0.2765% | 2,248 |
| Net operating income to assets | 0.3318% | 5,550 |
| Return on assets (ROA) | 0.6176% | 4,482 |
| Pretax return on assets | 0.6176% | 5,055 |
| Return on Equity (ROE) | 4.4940% | 5,048 |
| Retained earnings to average equity (ytd only) | 4.4940% | 3,894 |
| Net charge-offs to loans | 1.2414% | 819 |
| Credit loss provision to net charge-offs | 43.4783% | 3,385 |
| Earnings coverage of net charge-offs (x) | 0.9565% | 3,850 |
| Efficiency ratio | 82.6316% | 1,859 |
| Assets per employee ($millions) | 3.3158% | 5,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 6,249 |
| Loan loss allowance to noncurrent loans | 125.1462% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 5,872 |
| Noncurrent loans to loans | 0.7989% | 5,078 |
| Net loans and leases to total assets | 49.1614% | 5,412 |
| Net loans and leases to deposits | 62.5842% | 4,829 |
| Net loans and leases to core deposits | 64.2171% | 5,088 |
| Total domestic deposits to total assets | 78.5524% | 6,175 |
| Equity capital to assets | 13.8522% | 1,075 |
| Core capital (leverage) ratio | 13.0861% | 1,093 |
| Tier 1 risk-based capital ratio | 28.1524% | 627 |
| Total risk-based capital ratio | 29.1882% | 631 |
| Memoranda: | ||
| Average total assets | $43,397,000 | 6,552 |
| Average earning assets | $39,078,000 | 6,559 |
| Average equity | $5,963,500 | 6,156 |
| Average total loans | $22,233,000 | 6,495 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 5,147 |
| Cost of funding earning assets | 0.8821% | 4,242 |
| Net interest margin | 3.5996% | 4,731 |
| Noninterest income to average assets | 0.2150% | 5,985 |
| Noninterest expense to average assets | 2.7793% | 4,431 |
| Loan and lease loss provision to assets | 0.1753% | 4,442 |
| Net operating income to assets | 0.5267% | 4,321 |
| Return on assets (ROA) | 0.6428% | 3,964 |
| Pretax return on assets | 0.6966% | 4,332 |
| Return on Equity (ROE) | 4.7502% | 4,503 |
| Retained earnings to average equity (ytd only) | 4.2838% | 3,133 |
| Net charge-offs to loans | 0.4087% | 3,381 |
| Credit loss provision to net charge-offs | 82.4176% | 4,348 |
| Earnings coverage of net charge-offs (x) | 3.5055% | 3,492 |
| Efficiency ratio | 78.2493% | 2,558 |
| Assets per employee ($millions) | 3.3607% | 5,342 |
| Cash dividends to net income (ytd only)* | 9.8182% | 3,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 5,823 |
| Loan loss allowance to noncurrent loans | 46.0000% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 1.2589% | 4,127 |
| Noncurrent loans to loans | 2.3850% | 2,740 |
| Net loans and leases to total assets | 52.2054% | 5,283 |
| Net loans and leases to deposits | 68.2261% | 4,403 |
| Net loans and leases to core deposits | 69.8732% | 4,790 |
| Total domestic deposits to total assets | 76.5181% | 6,407 |
| Equity capital to assets | 13.6327% | 1,201 |
| Core capital (leverage) ratio | 12.7671% | 1,235 |
| Tier 1 risk-based capital ratio | 27.3350% | 685 |
| Total risk-based capital ratio | 28.5381% | 665 |
| Memoranda: | ||
| Average total assets | $42,780,800 | 6,576 |
| Average earning assets | $39,338,200 | 6,556 |
| Average equity | $5,789,200 | 6,208 |
| Average total loans | $22,264,400 | 6,540 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5126% | 5,225 |
| Cost of funding earning assets | 0.9148% | 4,304 |
| Net interest margin | 3.5978% | 4,775 |
| Noninterest income to average assets | 0.2224% | 6,029 |
| Noninterest expense to average assets | 2.7917% | 4,373 |
| Loan and lease loss provision to assets | 0.1567% | 4,510 |
| Net operating income to assets | 0.5452% | 4,342 |
| Return on assets (ROA) | 0.5452% | 4,525 |
| Pretax return on assets | 0.5765% | 4,892 |
| Return on Equity (ROE) | 4.0364% | 4,976 |
| Retained earnings to average equity (ytd only) | 3.7348% | 4,092 |
| Net charge-offs to loans | 0.4653% | 2,876 |
| Credit loss provision to net charge-offs | 64.9351% | 4,634 |
| Earnings coverage of net charge-offs (x) | 3.0391% | 3,618 |
| Efficiency ratio | 78.4000% | 2,489 |
| Assets per employee ($millions) | 3.3725% | 5,315 |
| Cash dividends to net income (ytd only)* | 7.4701% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 6,017 |
| Loan loss allowance to noncurrent loans | 47.8261% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.2203% | 4,356 |
| Noncurrent loans to loans | 2.2175% | 3,087 |
| Net loans and leases to total assets | 51.4963% | 5,512 |
| Net loans and leases to deposits | 65.5280% | 4,968 |
| Net loans and leases to core deposits | 67.6708% | 5,213 |
| Total domestic deposits to total assets | 78.5867% | 6,079 |
| Equity capital to assets | 13.5806% | 1,337 |
| Core capital (leverage) ratio | 13.1587% | 1,169 |
| Tier 1 risk-based capital ratio | 27.7160% | 681 |
| Total risk-based capital ratio | 28.9009% | 672 |
| Memoranda: | ||
| Average total assets | $42,553,750 | 6,643 |
| Average earning assets | $39,059,750 | 6,627 |
| Average equity | $5,747,500 | 6,261 |
| Average total loans | $22,065,250 | 6,615 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 5,517 |
| Cost of funding earning assets | 0.9274% | 4,473 |
| Net interest margin | 3.5250% | 5,042 |
| Noninterest income to average assets | 0.1994% | 6,244 |
| Noninterest expense to average assets | 2.8440% | 4,254 |
| Loan and lease loss provision to assets | 0.1899% | 4,020 |
| Net operating income to assets | 0.3846% | 5,022 |
| Return on assets (ROA) | 0.3846% | 5,160 |
| Pretax return on assets | 0.4321% | 5,288 |
| Return on Equity (ROE) | 2.8528% | 5,461 |
| Retained earnings to average equity (ytd only) | 2.3949% | 4,767 |
| Net charge-offs to loans | 0.6693% | 2,162 |
| Credit loss provision to net charge-offs | 54.7945% | 4,464 |
| Earnings coverage of net charge-offs (x) | 1.7945% | 3,970 |
| Efficiency ratio | 80.8219% | 2,258 |
| Assets per employee ($millions) | 3.2205% | 5,596 |
| Cash dividends to net income (ytd only)* | 16.0494% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 6,069 |
| Loan loss allowance to noncurrent loans | 53.8636% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 4,535 |
| Noncurrent loans to loans | 1.9833% | 3,508 |
| Net loans and leases to total assets | 52.4231% | 5,510 |
| Net loans and leases to deposits | 68.4976% | 4,636 |
| Net loans and leases to core deposits | 70.3394% | 5,032 |
| Total domestic deposits to total assets | 76.5328% | 6,519 |
| Equity capital to assets | 13.8008% | 1,165 |
| Core capital (leverage) ratio | 12.9598% | 1,181 |
| Tier 1 risk-based capital ratio | 28.2948% | 639 |
| Total risk-based capital ratio | 29.4994% | 629 |
| Memoranda: | ||
| Average total assets | $42,124,330 | 6,716 |
| Average earning assets | $39,035,000 | 6,682 |
| Average equity | $5,678,670 | 6,321 |
| Average total loans | $21,814,000 | 6,692 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 5,546 |
| Cost of funding earning assets | 0.9438% | 4,620 |
| Net interest margin | 3.4982% | 5,019 |
| Noninterest income to average assets | 0.2177% | 6,172 |
| Noninterest expense to average assets | 2.9158% | 3,995 |
| Loan and lease loss provision to assets | 0.0947% | 4,825 |
| Net operating income to assets | 0.3408% | 5,221 |
| Return on assets (ROA) | 0.3408% | 5,297 |
| Pretax return on assets | 0.4355% | 5,229 |
| Return on Equity (ROE) | 2.5582% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.5582% | 4,630 |
| Net charge-offs to loans | 0.6843% | 1,846 |
| Credit loss provision to net charge-offs | 27.0270% | 4,165 |
| Earnings coverage of net charge-offs (x) | 1.5135% | 3,573 |
| Efficiency ratio | 82.9670% | 2,084 |
| Assets per employee ($millions) | 3.2860% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 5,912 |
| Loan loss allowance to noncurrent loans | 40.6040% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 1.4186% | 4,152 |
| Noncurrent loans to loans | 2.7929% | 2,709 |
| Net loans and leases to total assets | 49.3890% | 5,920 |
| Net loans and leases to deposits | 62.4589% | 5,447 |
| Net loans and leases to core deposits | 64.1472% | 5,707 |
| Total domestic deposits to total assets | 79.0744% | 6,172 |
| Equity capital to assets | 13.2029% | 1,299 |
| Core capital (leverage) ratio | 12.6901% | 1,247 |
| Tier 1 risk-based capital ratio | 28.7421% | 593 |
| Total risk-based capital ratio | 29.9943% | 580 |
| Memoranda: | ||
| Average total assets | $42,253,000 | 6,751 |
| Average earning assets | $38,991,500 | 6,720 |
| Average equity | $5,629,000 | 6,357 |
| Average total loans | $21,628,500 | 6,764 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 5,816 |
| Cost of funding earning assets | 1.2625% | 4,125 |
| Net interest margin | 3.4341% | 5,502 |
| Noninterest income to average assets | 0.2459% | 6,037 |
| Noninterest expense to average assets | 2.9511% | 4,033 |
| Loan and lease loss provision to assets | 0.0482% | 6,674 |
| Net operating income to assets | 0.2770% | 5,011 |
| Return on assets (ROA) | 0.4822% | 4,340 |
| Pretax return on assets | 0.6317% | 4,224 |
| Return on Equity (ROE) | 3.5535% | 4,723 |
| Retained earnings to average equity (ytd only) | 3.0738% | 3,702 |
| Net charge-offs to loans | -0.1893% | 7,542 |
| Credit loss provision to net charge-offs | -51.2821% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2267% | 1,668 |
| Assets per employee ($millions) | 3.2145% | 5,634 |
| Cash dividends to net income (ytd only)* | 13.5000% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 5,362 |
| Loan loss allowance to noncurrent loans | 61.9266% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.0673% | 4,871 |
| Noncurrent loans to loans | 1.9893% | 3,579 |
| Net loans and leases to total assets | 51.8020% | 5,940 |
| Net loans and leases to deposits | 66.3510% | 5,357 |
| Net loans and leases to core deposits | 74.5394% | 4,907 |
| Total domestic deposits to total assets | 78.0727% | 6,297 |
| Equity capital to assets | 13.4441% | 1,194 |
| Core capital (leverage) ratio | 13.3380% | 1,015 |
| Tier 1 risk-based capital ratio | 28.0826% | 603 |
| Total risk-based capital ratio | 29.3357% | 585 |
| Memoranda: | ||
| Average total assets | $41,476,000 | 6,812 |
| Average earning assets | $37,623,000 | 6,813 |
| Average equity | $5,628,200 | 6,475 |
| Average total loans | $20,606,200 | 6,894 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7424% | 5,884 |
| Cost of funding earning assets | 1.2953% | 4,242 |
| Net interest margin | 3.4470% | 5,503 |
| Noninterest income to average assets | 0.2641% | 6,005 |
| Noninterest expense to average assets | 2.8954% | 4,108 |
| Loan and lease loss provision to assets | 0.0644% | 6,421 |
| Net operating income to assets | 0.3920% | 4,782 |
| Return on assets (ROA) | 0.7311% | 3,434 |
| Pretax return on assets | 0.7762% | 3,988 |
| Return on Equity (ROE) | 5.3751% | 4,095 |
| Retained earnings to average equity (ytd only) | 5.0674% | 2,937 |
| Net charge-offs to loans | -0.2104% | 7,625 |
| Credit loss provision to net charge-offs | -62.5000% | 6,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1603% | 1,820 |
| Assets per employee ($millions) | 3.2605% | 5,558 |
| Cash dividends to net income (ytd only)* | 5.7259% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 5,169 |
| Loan loss allowance to noncurrent loans | 67.5192% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 0.9460% | 5,205 |
| Noncurrent loans to loans | 1.8639% | 3,851 |
| Net loans and leases to total assets | 48.8688% | 6,445 |
| Net loans and leases to deposits | 62.3991% | 6,077 |
| Net loans and leases to core deposits | 70.5446% | 5,695 |
| Total domestic deposits to total assets | 78.3165% | 6,197 |
| Equity capital to assets | 13.6481% | 1,295 |
| Core capital (leverage) ratio | 13.3081% | 1,116 |
| Tier 1 risk-based capital ratio | 29.4588% | 543 |
| Total risk-based capital ratio | 30.7118% | 530 |
| Memoranda: | ||
| Average total assets | $41,398,000 | 6,899 |
| Average earning assets | $37,364,500 | 6,900 |
| Average equity | $5,630,750 | 6,560 |
| Average total loans | $20,278,500 | 6,996 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 5,856 |
| Cost of funding earning assets | 1.3016% | 4,531 |
| Net interest margin | 3.4797% | 5,325 |
| Noninterest income to average assets | 0.2971% | 5,770 |
| Noninterest expense to average assets | 2.9658% | 3,833 |
| Loan and lease loss provision to assets | 0.0974% | 5,936 |
| Net operating income to assets | 0.3828% | 4,839 |
| Return on assets (ROA) | 0.6282% | 3,880 |
| Pretax return on assets | 0.6964% | 4,251 |
| Return on Equity (ROE) | 4.6242% | 4,475 |
| Retained earnings to average equity (ytd only) | 4.1582% | 3,423 |
| Net charge-offs to loans | -0.2195% | 7,654 |
| Credit loss provision to net charge-offs | -90.9091% | 6,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5196% | 1,978 |
| Assets per employee ($millions) | 3.6308% | 4,631 |
| Cash dividends to net income (ytd only)* | 10.0775% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 5,350 |
| Loan loss allowance to noncurrent loans | 83.8284% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7587% | 5,602 |
| Noncurrent loans to loans | 1.4555% | 4,525 |
| Net loans and leases to total assets | 51.4885% | 6,269 |
| Net loans and leases to deposits | 66.5136% | 5,746 |
| Net loans and leases to core deposits | 70.2250% | 5,850 |
| Total domestic deposits to total assets | 77.4106% | 6,409 |
| Equity capital to assets | 14.1566% | 1,116 |
| Core capital (leverage) ratio | 12.9542% | 1,223 |
| Tier 1 risk-based capital ratio | 29.0537% | 567 |
| Total risk-based capital ratio | 30.3076% | 555 |
| Memoranda: | ||
| Average total assets | $41,068,330 | 6,957 |
| Average earning assets | $37,647,000 | 6,941 |
| Average equity | $5,579,330 | 6,595 |
| Average total loans | $20,045,330 | 7,064 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6670% | 6,353 |
| Cost of funding earning assets | 1.2775% | 4,950 |
| Net interest margin | 3.3895% | 5,626 |
| Noninterest income to average assets | 0.2306% | 6,305 |
| Noninterest expense to average assets | 2.6806% | 4,997 |
| Loan and lease loss provision to assets | 0.1922% | 4,580 |
| Net operating income to assets | 0.3818% | 4,919 |
| Return on assets (ROA) | 0.3747% | 5,078 |
| Pretax return on assets | 0.5092% | 4,926 |
| Return on Equity (ROE) | 2.8149% | 5,423 |
| Retained earnings to average equity (ytd only) | 2.8149% | 4,443 |
| Net charge-offs to loans | 0.3256% | 3,110 |
| Credit loss provision to net charge-offs | 125.0000% | 2,808 |
| Earnings coverage of net charge-offs (x) | 4.6250% | 2,588 |
| Efficiency ratio | 77.3371% | 3,009 |
| Assets per employee ($millions) | 3.7997% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 6,018 |
| Loan loss allowance to noncurrent loans | 69.1318% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 0.9259% | 5,295 |
| Noncurrent loans to loans | 1.5866% | 4,360 |
| Net loans and leases to total assets | 46.3837% | 6,806 |
| Net loans and leases to deposits | 58.8680% | 6,564 |
| Net loans and leases to core deposits | 61.9413% | 6,607 |
| Total domestic deposits to total assets | 78.7927% | 6,125 |
| Equity capital to assets | 13.2856% | 1,401 |
| Core capital (leverage) ratio | 12.5837% | 1,374 |
| Tier 1 risk-based capital ratio | 29.1580% | 575 |
| Total risk-based capital ratio | 30.3320% | 563 |
| Memoranda: | ||
| Average total assets | $41,633,000 | 7,034 |
| Average earning assets | $38,826,000 | 6,981 |
| Average equity | $5,542,000 | 6,659 |
| Average total loans | $19,659,000 | 7,175 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2365% | 5,478 |
| Cost of funding earning assets | 1.5704% | 5,180 |
| Net interest margin | 3.6661% | 4,277 |
| Noninterest income to average assets | 0.2554% | 6,278 |
| Noninterest expense to average assets | 3.4739% | 2,442 |
| Loan and lease loss provision to assets | 0.2069% | 5,687 |
| Net operating income to assets | 0.0741% | 5,283 |
| Return on assets (ROA) | 0.3832% | 4,297 |
| Pretax return on assets | 0.2886% | 4,793 |
| Return on Equity (ROE) | 2.7674% | 4,604 |
| Retained earnings to average equity (ytd only) | 2.2877% | 3,512 |
| Net charge-offs to loans | 0.3777% | 4,317 |
| Credit loss provision to net charge-offs | 114.0845% | 4,804 |
| Earnings coverage of net charge-offs (x) | 1.0282% | 5,084 |
| Efficiency ratio | 93.3706% | 1,454 |
| Assets per employee ($millions) | 3.7699% | 4,356 |
| Cash dividends to net income (ytd only)* | 17.3333% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 6,039 |
| Loan loss allowance to noncurrent loans | 55.0914% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 4,874 |
| Noncurrent loans to loans | 1.9426% | 3,740 |
| Net loans and leases to total assets | 47.0351% | 6,893 |
| Net loans and leases to deposits | 59.7561% | 6,647 |
| Net loans and leases to core deposits | 69.3339% | 6,809 |
| Total domestic deposits to total assets | 78.7118% | 6,059 |
| Equity capital to assets | 13.3377% | 1,381 |
| Core capital (leverage) ratio | 12.8691% | 1,291 |
| Tier 1 risk-based capital ratio | 28.8918% | 588 |
| Total risk-based capital ratio | 30.0431% | 577 |
| Memoranda: | ||
| Average total assets | $39,148,600 | 7,131 |
| Average earning assets | $36,360,200 | 7,084 |
| Average equity | $5,420,200 | 6,795 |
| Average total loans | $18,799,800 | 7,270 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3972% | 4,966 |
| Cost of funding earning assets | 1.6498% | 5,165 |
| Net interest margin | 3.7474% | 3,876 |
| Noninterest income to average assets | 0.2593% | 6,374 |
| Noninterest expense to average assets | 3.4881% | 2,312 |
| Loan and lease loss provision to assets | 0.2420% | 5,025 |
| Net operating income to assets | 0.2005% | 5,154 |
| Return on assets (ROA) | 0.4321% | 4,371 |
| Pretax return on assets | 0.2316% | 5,223 |
| Return on Equity (ROE) | 3.0906% | 4,754 |
| Retained earnings to average equity (ytd only) | 2.7692% | 3,785 |
| Net charge-offs to loans | 0.4451% | 3,453 |
| Credit loss provision to net charge-offs | 112.9032% | 4,498 |
| Earnings coverage of net charge-offs (x) | 1.1291% | 4,929 |
| Efficiency ratio | 91.9370% | 1,547 |
| Assets per employee ($millions) | 3.5585% | 4,788 |
| Cash dividends to net income (ytd only)* | 10.3984% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 5,751 |
| Loan loss allowance to noncurrent loans | 40.1923% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 1.5226% | 4,081 |
| Noncurrent loans to loans | 2.7277% | 2,780 |
| Net loans and leases to total assets | 48.1683% | 6,937 |
| Net loans and leases to deposits | 62.1641% | 6,660 |
| Net loans and leases to core deposits | 73.4887% | 6,755 |
| Total domestic deposits to total assets | 77.4857% | 6,223 |
| Equity capital to assets | 13.9843% | 1,307 |
| Core capital (leverage) ratio | 13.5552% | 1,221 |
| Tier 1 risk-based capital ratio | 29.3810% | 605 |
| Total risk-based capital ratio | 30.5444% | 598 |
| Memoranda: | ||
| Average total assets | $38,568,500 | 7,216 |
| Average earning assets | $35,721,500 | 7,173 |
| Average equity | $5,392,500 | 6,875 |
| Average total loans | $18,570,750 | 7,346 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5675% | 4,231 |
| Cost of funding earning assets | 1.7342% | 5,097 |
| Net interest margin | 3.8333% | 3,399 |
| Noninterest income to average assets | 0.2658% | 6,372 |
| Noninterest expense to average assets | 3.4969% | 2,343 |
| Loan and lease loss provision to assets | 0.2085% | 4,961 |
| Net operating income to assets | 0.4221% | 4,414 |
| Return on assets (ROA) | 0.5211% | 4,128 |
| Pretax return on assets | 0.2189% | 5,419 |
| Return on Equity (ROE) | 3.7276% | 4,604 |
| Retained earnings to average equity (ytd only) | 3.2430% | 3,513 |
| Net charge-offs to loans | 0.1739% | 4,494 |
| Credit loss provision to net charge-offs | 250.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | 3.9375% | 3,266 |
| Efficiency ratio | 89.9183% | 1,824 |
| Assets per employee ($millions) | 3.3974% | 5,073 |
| Cash dividends to net income (ytd only)* | 13.0000% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 4,858 |
| Loan loss allowance to noncurrent loans | 127.8409% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6743% | 5,723 |
| Noncurrent loans to loans | 0.9479% | 5,330 |
| Net loans and leases to total assets | 49.0835% | 6,955 |
| Net loans and leases to deposits | 63.7397% | 6,586 |
| Net loans and leases to core deposits | 75.3863% | 6,713 |
| Total domestic deposits to total assets | 77.0062% | 6,328 |
| Equity capital to assets | 14.2624% | 1,232 |
| Core capital (leverage) ratio | 13.4656% | 1,282 |
| Tier 1 risk-based capital ratio | 29.3227% | 640 |
| Total risk-based capital ratio | 30.4460% | 635 |
| Memoranda: | ||
| Average total assets | $38,376,670 | 7,279 |
| Average earning assets | $35,635,330 | 7,237 |
| Average equity | $5,365,330 | 6,938 |
| Average total loans | $18,406,330 | 7,427 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6642% | 3,968 |
| Cost of funding earning assets | 1.8068% | 5,084 |
| Net interest margin | 3.8575% | 3,220 |
| Noninterest income to average assets | 0.1852% | 6,970 |
| Noninterest expense to average assets | 3.2305% | 2,855 |
| Loan and lease loss provision to assets | 0.2058% | 4,388 |
| Net operating income to assets | 0.3292% | 5,167 |
| Return on assets (ROA) | 0.3601% | 5,202 |
| Pretax return on assets | 0.3601% | 5,512 |
| Return on Equity (ROE) | 2.6008% | 5,527 |
| Retained earnings to average equity (ytd only) | 2.6008% | 4,434 |
| Net charge-offs to loans | 0.3056% | 2,887 |
| Credit loss provision to net charge-offs | 142.8571% | 2,868 |
| Earnings coverage of net charge-offs (x) | 3.7143% | 3,091 |
| Efficiency ratio | 84.1530% | 2,286 |
| Assets per employee ($millions) | 3.5509% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 5,309 |
| Loan loss allowance to noncurrent loans | 283.5616% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 6,363 |
| Noncurrent loans to loans | 0.3959% | 6,430 |
| Net loans and leases to total assets | 46.6769% | 7,138 |
| Net loans and leases to deposits | 60.1855% | 6,881 |
| Net loans and leases to core deposits | 73.1709% | 6,858 |
| Total domestic deposits to total assets | 77.5550% | 6,135 |
| Equity capital to assets | 13.7865% | 1,424 |
| Core capital (leverage) ratio | 13.1532% | 1,435 |
| Tier 1 risk-based capital ratio | 28.2849% | 733 |
| Total risk-based capital ratio | 29.4130% | 728 |
| Memoranda: | ||
| Average total assets | $38,879,500 | 7,303 |
| Average earning assets | $36,086,000 | 7,263 |
| Average equity | $5,383,000 | 6,979 |
| Average total loans | $18,325,500 | 7,471 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7419% | 6,632 |
| Cost of funding earning assets | 2.4942% | 4,239 |
| Net interest margin | 3.2477% | 6,220 |
| Noninterest income to average assets | 0.2409% | 6,723 |
| Noninterest expense to average assets | 2.7918% | 4,857 |
| Loan and lease loss provision to assets | 0.0888% | 6,269 |
| Net operating income to assets | 0.3050% | 5,524 |
| Return on assets (ROA) | 0.2789% | 5,431 |
| Pretax return on assets | 0.3550% | 5,374 |
| Return on Equity (ROE) | 2.1299% | 5,567 |
| Retained earnings to average equity (ytd only) | 1.6265% | 4,235 |
| Net charge-offs to loans | 0.1758% | 4,440 |
| Credit loss provision to net charge-offs | 112.9032% | 4,778 |
| Earnings coverage of net charge-offs (x) | 6.0645% | 3,452 |
| Efficiency ratio | 83.7083% | 2,091 |
| Assets per employee ($millions) | 3.5181% | 4,616 |
| Cash dividends to net income (ytd only)* | 23.6364% | 4,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 5,251 |
| Loan loss allowance to noncurrent loans | 95.2607% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 4,690 |
| Noncurrent loans to loans | 1.1586% | 4,212 |
| Net loans and leases to total assets | 46.5413% | 7,279 |
| Net loans and leases to deposits | 60.2173% | 7,067 |
| Net loans and leases to core deposits | 73.1738% | 7,014 |
| Total domestic deposits to total assets | 77.2888% | 5,920 |
| Equity capital to assets | 13.9048% | 1,458 |
| Core capital (leverage) ratio | 13.2570% | 1,456 |
| Tier 1 risk-based capital ratio | 28.6453% | 725 |
| Total risk-based capital ratio | 29.7636% | 716 |
| Memoranda: | ||
| Average total assets | $39,436,400 | 7,241 |
| Average earning assets | $36,765,000 | 7,201 |
| Average equity | $5,164,600 | 7,093 |
| Average total loans | $17,629,000 | 7,489 |