Home > Montrose Savings Bank > Performance and Condition Ratios
Montrose Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 3,691 |
| Cost of funding earning assets | 0.6714% | 3,966 |
| Net interest margin | 3.4945% | 2,195 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.7879% | 4,017 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.6465% | 801 |
| Return on assets (ROA) | 1.6267% | 800 |
| Pretax return on assets | 1.6904% | 1,080 |
| Return on Equity (ROE) | 12.2300% | 1,904 |
| Retained earnings to average equity (ytd only) | 4.0860% | 2,929 |
| Net charge-offs to loans | 0.0111% | 2,236 |
| Credit loss provision to net charge-offs | 300.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 307.3333% | 427 |
| Efficiency ratio | 50.8529% | 3,919 |
| Assets per employee ($millions) | 7.7144% | 1,580 |
| Cash dividends to net income (ytd only)* | 66.5899% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8799% | 462 |
| Loan loss allowance to noncurrent loans | 8,783.3333% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 3,702 |
| Noncurrent loans to loans | 0.0214% | 3,590 |
| Net loans and leases to total assets | 50.9400% | 3,544 |
| Net loans and leases to deposits | 59.4133% | 3,557 |
| Net loans and leases to core deposits | 61.3850% | 3,706 |
| Total domestic deposits to total assets | 85.7300% | 2,097 |
| Equity capital to assets | 13.9886% | 683 |
| Core capital (leverage) ratio | 14.1961% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $53,358,800 | 4,283 |
| Average earning assets | $51,681,200 | 4,233 |
| Average equity | $7,097,400 | 4,038 |
| Average total loans | $27,133,600 | 4,183 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0375% | 3,784 |
| Cost of funding earning assets | 0.5768% | 4,012 |
| Net interest margin | 3.4607% | 2,312 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.7043% | 4,118 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.6806% | 819 |
| Return on assets (ROA) | 1.6541% | 847 |
| Pretax return on assets | 1.7293% | 1,117 |
| Return on Equity (ROE) | 12.6000% | 1,979 |
| Retained earnings to average equity (ytd only) | 4.7159% | 3,038 |
| Net charge-offs to loans | 0.0198% | 1,722 |
| Credit loss provision to net charge-offs | 225.0000% | 1,045 |
| Earnings coverage of net charge-offs (x) | 177.5000% | 651 |
| Efficiency ratio | 48.9209% | 3,987 |
| Assets per employee ($millions) | 7.6737% | 1,519 |
| Cash dividends to net income (ytd only)* | 62.5758% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9190% | 460 |
| Loan loss allowance to noncurrent loans | 1,502.8571% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 3,178 |
| Noncurrent loans to loans | 0.1277% | 2,912 |
| Net loans and leases to total assets | 50.0500% | 3,613 |
| Net loans and leases to deposits | 57.6316% | 3,623 |
| Net loans and leases to core deposits | 58.8477% | 3,747 |
| Total domestic deposits to total assets | 86.8400% | 1,937 |
| Equity capital to assets | 12.9235% | 828 |
| Core capital (leverage) ratio | 14.2711% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3470% | 411 |
| Memoranda: | ||
| Average total assets | $53,198,250 | 4,303 |
| Average earning assets | $51,549,250 | 4,250 |
| Average equity | $6,983,250 | 4,049 |
| Average total loans | $26,908,750 | 4,203 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9176% | 3,837 |
| Cost of funding earning assets | 0.4907% | 3,999 |
| Net interest margin | 3.4269% | 2,457 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.7162% | 4,127 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.6013% | 948 |
| Return on assets (ROA) | 1.4559% | 1,184 |
| Pretax return on assets | 1.5540% | 1,492 |
| Return on Equity (ROE) | 11.0300% | 2,408 |
| Retained earnings to average equity (ytd only) | 7.0888% | 2,252 |
| Net charge-offs to loans | 0.0150% | 1,637 |
| Credit loss provision to net charge-offs | 450.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 537 |
| Efficiency ratio | 49.6183% | 3,959 |
| Assets per employee ($millions) | 7.5953% | 1,549 |
| Cash dividends to net income (ytd only)* | 35.7513% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9844% | 430 |
| Loan loss allowance to noncurrent loans | 5,280.0000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 3,643 |
| Noncurrent loans to loans | 0.0376% | 3,463 |
| Net loans and leases to total assets | 49.0500% | 3,614 |
| Net loans and leases to deposits | 56.8031% | 3,595 |
| Net loans and leases to core deposits | 57.6761% | 3,733 |
| Total domestic deposits to total assets | 86.3600% | 2,129 |
| Equity capital to assets | 13.5027% | 718 |
| Core capital (leverage) ratio | 14.4935% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $53,025,667 | 4,326 |
| Average earning assets | $51,358,333 | 4,277 |
| Average equity | $6,997,000 | 4,078 |
| Average total loans | $26,741,667 | 4,218 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8144% | 3,832 |
| Cost of funding earning assets | 0.4446% | 3,851 |
| Net interest margin | 3.3698% | 2,709 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.7373% | 4,141 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.6240% | 941 |
| Return on assets (ROA) | 1.2992% | 1,643 |
| Pretax return on assets | 1.2992% | 2,179 |
| Return on Equity (ROE) | 9.9600% | 2,795 |
| Retained earnings to average equity (ytd only) | 1.9693% | 3,710 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.9978% | 3,853 |
| Assets per employee ($millions) | 7.5286% | 1,604 |
| Cash dividends to net income (ytd only)* | 80.2326% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9311% | 501 |
| Loan loss allowance to noncurrent loans | 6,575.0000% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,689 |
| Noncurrent loans to loans | 0.0294% | 3,549 |
| Net loans and leases to total assets | 50.6900% | 3,442 |
| Net loans and leases to deposits | 58.6339% | 3,414 |
| Net loans and leases to core deposits | 59.1585% | 3,579 |
| Total domestic deposits to total assets | 86.4500% | 2,458 |
| Equity capital to assets | 13.3814% | 683 |
| Core capital (leverage) ratio | 13.6862% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $52,955,000 | 4,382 |
| Average earning assets | $51,279,000 | 4,339 |
| Average equity | $6,906,000 | 4,136 |
| Average total loans | $26,808,500 | 4,270 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3150% | 3,551 |
| Cost of funding earning assets | 0.3250% | 2,683 |
| Net interest margin | 2.9900% | 3,476 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.8507% | 3,928 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.1165% | 2,094 |
| Return on assets (ROA) | 1.1013% | 2,101 |
| Pretax return on assets | 1.1013% | 2,763 |
| Return on Equity (ROE) | 8.5300% | 3,247 |
| Retained earnings to average equity (ytd only) | 4.4990% | 3,236 |
| Net charge-offs to loans | 0.0376% | 1,343 |
| Credit loss provision to net charge-offs | 150.0000% | 1,297 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 1,253 |
| Efficiency ratio | 61.7814% | 2,795 |
| Assets per employee ($millions) | 7.6014% | 1,544 |
| Cash dividends to net income (ytd only)* | 47.2509% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9751% | 449 |
| Loan loss allowance to noncurrent loans | 10,420.0000% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 3,802 |
| Noncurrent loans to loans | 0.0190% | 3,681 |
| Net loans and leases to total assets | 48.5900% | 3,626 |
| Net loans and leases to deposits | 57.0404% | 3,512 |
| Net loans and leases to core deposits | 57.5495% | 3,641 |
| Total domestic deposits to total assets | 85.1900% | 2,940 |
| Equity capital to assets | 12.7044% | 766 |
| Core capital (leverage) ratio | 13.8043% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $52,845,400 | 4,411 |
| Average earning assets | $50,467,400 | 4,367 |
| Average equity | $6,823,800 | 4,234 |
| Average total loans | $26,599,400 | 4,289 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2300% | 3,362 |
| Cost of funding earning assets | 0.3127% | 2,034 |
| Net interest margin | 2.9174% | 3,439 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.8475% | 3,880 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0388% | 2,328 |
| Return on assets (ROA) | 1.0413% | 2,280 |
| Pretax return on assets | 1.0413% | 2,898 |
| Return on Equity (ROE) | 8.0300% | 3,321 |
| Retained earnings to average equity (ytd only) | 5.8870% | 2,791 |
| Net charge-offs to loans | 0.0300% | 1,236 |
| Credit loss provision to net charge-offs | 250.0000% | 892 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 1,100 |
| Efficiency ratio | 63.1806% | 2,658 |
| Assets per employee ($millions) | 6.5510% | 2,278 |
| Cash dividends to net income (ytd only)* | 26.6990% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9732% | 526 |
| Loan loss allowance to noncurrent loans | 3,082.3529% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 3,596 |
| Noncurrent loans to loans | 0.0640% | 3,416 |
| Net loans and leases to total assets | 49.6700% | 3,487 |
| Net loans and leases to deposits | 56.7789% | 3,417 |
| Net loans and leases to core deposits | 57.2774% | 3,545 |
| Total domestic deposits to total assets | 87.4800% | 2,602 |
| Equity capital to assets | 12.4408% | 785 |
| Core capital (leverage) ratio | 13.7962% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $52,754,250 | 4,447 |
| Average earning assets | $50,318,000 | 4,402 |
| Average equity | $6,839,750 | 4,279 |
| Average total loans | $26,654,750 | 4,322 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1341% | 3,227 |
| Cost of funding earning assets | 0.3110% | 1,610 |
| Net interest margin | 2.8231% | 3,370 |
| Noninterest income to average assets | 0.1400% | 4,320 |
| Noninterest expense to average assets | 1.9331% | 3,624 |
| Loan and lease loss provision to assets | 0.0454% | 1,764 |
| Net operating income to assets | 0.8398% | 2,819 |
| Return on assets (ROA) | 0.8436% | 2,777 |
| Pretax return on assets | 0.8436% | 3,224 |
| Return on Equity (ROE) | 6.4207% | 3,466 |
| Retained earnings to average equity (ytd only) | 3.2535% | 3,372 |
| Net charge-offs to loans | 0.0525% | 871 |
| Credit loss provision to net charge-offs | 171.4286% | 1,040 |
| Earnings coverage of net charge-offs (x) | 33.4286% | 1,346 |
| Efficiency ratio | 68.5906% | 2,160 |
| Assets per employee ($millions) | 6.6628% | 2,194 |
| Cash dividends to net income (ytd only)* | 49.3274% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 606 |
| Loan loss allowance to noncurrent loans | 1,211.6279% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 3,175 |
| Noncurrent loans to loans | 0.1609% | 2,890 |
| Net loans and leases to total assets | 49.1539% | 3,457 |
| Net loans and leases to deposits | 56.3053% | 3,354 |
| Net loans and leases to core deposits | 56.7911% | 3,505 |
| Total domestic deposits to total assets | 87.2988% | 2,826 |
| Equity capital to assets | 12.6393% | 733 |
| Core capital (leverage) ratio | 13.3430% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,869,667 | 4,483 |
| Average earning assets | $50,158,000 | 4,457 |
| Average equity | $6,946,333 | 4,324 |
| Average total loans | $26,687,667 | 4,377 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0924% | 2,997 |
| Cost of funding earning assets | 0.3149% | 1,512 |
| Net interest margin | 2.7775% | 3,207 |
| Noninterest income to average assets | 0.1671% | 4,167 |
| Noninterest expense to average assets | 1.9904% | 3,450 |
| Loan and lease loss provision to assets | 0.0456% | 1,545 |
| Net operating income to assets | 0.7445% | 2,876 |
| Return on assets (ROA) | 0.7445% | 2,871 |
| Pretax return on assets | 0.7445% | 3,266 |
| Return on Equity (ROE) | 5.5595% | 3,469 |
| Retained earnings to average equity (ytd only) | 5.5595% | 2,394 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5847% | 2,031 |
| Assets per employee ($millions) | 5.3942% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 648 |
| Loan loss allowance to noncurrent loans | 1,335.8974% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,348 |
| Noncurrent loans to loans | 0.1478% | 3,067 |
| Net loans and leases to total assets | 47.9441% | 3,391 |
| Net loans and leases to deposits | 54.9624% | 3,346 |
| Net loans and leases to core deposits | 55.4312% | 3,496 |
| Total domestic deposits to total assets | 87.2307% | 2,841 |
| Equity capital to assets | 12.7025% | 759 |
| Core capital (leverage) ratio | 13.6152% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,653,500 | 4,510 |
| Average earning assets | $49,541,500 | 4,490 |
| Average equity | $7,051,000 | 4,356 |
| Average total loans | $26,671,000 | 4,400 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0269% | 1,297 |
| Cost of funding earning assets | 0.3663% | 1,801 |
| Net interest margin | 3.6606% | 1,313 |
| Noninterest income to average assets | 0.1471% | 4,419 |
| Noninterest expense to average assets | 1.9659% | 3,782 |
| Loan and lease loss provision to assets | 0.0697% | 1,684 |
| Net operating income to assets | 1.5150% | 980 |
| Return on assets (ROA) | 1.5170% | 1,018 |
| Pretax return on assets | 1.5170% | 1,662 |
| Return on Equity (ROE) | 10.8940% | 2,200 |
| Retained earnings to average equity (ytd only) | 7.0728% | 1,893 |
| Net charge-offs to loans | -0.0035% | 3,467 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3678% | 3,775 |
| Assets per employee ($millions) | 5.1365% | 3,610 |
| Cash dividends to net income (ytd only)* | 35.0765% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9103% | 712 |
| Loan loss allowance to noncurrent loans | 8,583.3333% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 4,024 |
| Noncurrent loans to loans | 0.0223% | 3,908 |
| Net loans and leases to total assets | 51.4825% | 3,120 |
| Net loans and leases to deposits | 59.9909% | 3,075 |
| Net loans and leases to core deposits | 60.5375% | 3,280 |
| Total domestic deposits to total assets | 85.8172% | 2,966 |
| Equity capital to assets | 14.1147% | 644 |
| Core capital (leverage) ratio | 13.4944% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,682,400 | 4,546 |
| Average earning assets | $48,052,400 | 4,533 |
| Average equity | $7,196,600 | 4,406 |
| Average total loans | $28,446,800 | 4,409 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 1,042 |
| Cost of funding earning assets | 0.3798% | 1,858 |
| Net interest margin | 3.8619% | 1,000 |
| Noninterest income to average assets | 0.1571% | 4,413 |
| Noninterest expense to average assets | 1.8804% | 3,991 |
| Loan and lease loss provision to assets | 0.0695% | 1,620 |
| Net operating income to assets | 1.7954% | 673 |
| Return on assets (ROA) | 1.7979% | 699 |
| Pretax return on assets | 1.7979% | 1,165 |
| Return on Equity (ROE) | 12.9557% | 1,702 |
| Retained earnings to average equity (ytd only) | 9.8931% | 1,357 |
| Net charge-offs to loans | -0.0046% | 3,411 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2063% | 4,205 |
| Assets per employee ($millions) | 5.2631% | 3,441 |
| Cash dividends to net income (ytd only)* | 23.6390% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8028% | 919 |
| Loan loss allowance to noncurrent loans | 198.8235% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 1,574 |
| Noncurrent loans to loans | 0.9067% | 1,268 |
| Net loans and leases to total assets | 52.4710% | 3,146 |
| Net loans and leases to deposits | 61.0312% | 3,133 |
| Net loans and leases to core deposits | 61.9902% | 3,324 |
| Total domestic deposits to total assets | 85.9740% | 2,756 |
| Equity capital to assets | 13.9481% | 748 |
| Core capital (leverage) ratio | 13.5257% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,761,750 | 4,607 |
| Average earning assets | $48,092,500 | 4,591 |
| Average equity | $7,183,250 | 4,470 |
| Average total loans | $28,818,750 | 4,455 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 636 |
| Cost of funding earning assets | 0.3842% | 2,021 |
| Net interest margin | 4.2097% | 572 |
| Noninterest income to average assets | 0.1749% | 4,331 |
| Noninterest expense to average assets | 1.8495% | 4,073 |
| Loan and lease loss provision to assets | 0.0699% | 1,652 |
| Net operating income to assets | 2.1721% | 357 |
| Return on assets (ROA) | 2.1759% | 375 |
| Pretax return on assets | 2.1759% | 601 |
| Return on Equity (ROE) | 15.7068% | 1,016 |
| Retained earnings to average equity (ytd only) | 15.7068% | 361 |
| Net charge-offs to loans | -0.0069% | 3,535 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2042% | 4,556 |
| Assets per employee ($millions) | 5.8958% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 1,180 |
| Loan loss allowance to noncurrent loans | 92.5651% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.0139% | 737 |
| Noncurrent loans to loans | 1.7767% | 588 |
| Net loans and leases to total assets | 56.1287% | 2,888 |
| Net loans and leases to deposits | 65.2478% | 2,881 |
| Net loans and leases to core deposits | 66.2610% | 3,091 |
| Total domestic deposits to total assets | 86.0239% | 2,731 |
| Equity capital to assets | 13.9064% | 732 |
| Core capital (leverage) ratio | 13.4510% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,472,000 | 4,643 |
| Average earning assets | $47,889,000 | 4,623 |
| Average equity | $7,130,667 | 4,498 |
| Average total loans | $29,050,667 | 4,484 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7105% | 562 |
| Cost of funding earning assets | 0.3890% | 2,183 |
| Net interest margin | 4.3214% | 498 |
| Noninterest income to average assets | 0.1658% | 4,374 |
| Noninterest expense to average assets | 1.9496% | 3,861 |
| Loan and lease loss provision to assets | 0.0710% | 1,735 |
| Net operating income to assets | 2.1785% | 432 |
| Return on assets (ROA) | 2.1864% | 464 |
| Pretax return on assets | 2.1864% | 708 |
| Return on Equity (ROE) | 15.8139% | 1,055 |
| Retained earnings to average equity (ytd only) | 15.8139% | 540 |
| Net charge-offs to loans | -0.0141% | 3,830 |
| Credit loss provision to net charge-offs | -900.0000% | 3,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4286% | 4,439 |
| Assets per employee ($millions) | 5.9052% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6916% | 1,064 |
| Loan loss allowance to noncurrent loans | 199.5918% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4610% | 2,010 |
| Noncurrent loans to loans | 0.8475% | 1,582 |
| Net loans and leases to total assets | 53.4724% | 3,290 |
| Net loans and leases to deposits | 61.7912% | 3,339 |
| Net loans and leases to core deposits | 62.7420% | 3,523 |
| Total domestic deposits to total assets | 86.5373% | 2,510 |
| Equity capital to assets | 13.3855% | 816 |
| Core capital (leverage) ratio | 13.5850% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,677,000 | 4,666 |
| Average earning assets | $47,299,000 | 4,648 |
| Average equity | $7,006,500 | 4,521 |
| Average total loans | $28,435,500 | 4,524 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2523% | 1,993 |
| Cost of funding earning assets | 0.4672% | 3,171 |
| Net interest margin | 3.7851% | 1,543 |
| Noninterest income to average assets | 0.2262% | 4,145 |
| Noninterest expense to average assets | 2.1319% | 3,866 |
| Loan and lease loss provision to assets | 0.0806% | 3,368 |
| Net operating income to assets | 1.5698% | 682 |
| Return on assets (ROA) | 1.5721% | 741 |
| Pretax return on assets | 1.5721% | 1,132 |
| Return on Equity (ROE) | 10.3363% | 1,871 |
| Retained earnings to average equity (ytd only) | 3.0479% | 3,326 |
| Net charge-offs to loans | 0.0071% | 3,088 |
| Credit loss provision to net charge-offs | 1,800.0000% | 476 |
| Earnings coverage of net charge-offs (x) | 368.5000% | 296 |
| Efficiency ratio | 56.3647% | 3,942 |
| Assets per employee ($millions) | 5.3563% | 2,991 |
| Cash dividends to net income (ytd only)* | 70.5128% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 1,013 |
| Loan loss allowance to noncurrent loans | 263.1868% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 2,474 |
| Noncurrent loans to loans | 0.6509% | 2,052 |
| Net loans and leases to total assets | 57.0125% | 3,201 |
| Net loans and leases to deposits | 66.6085% | 3,216 |
| Net loans and leases to core deposits | 67.7496% | 3,430 |
| Total domestic deposits to total assets | 85.5934% | 2,531 |
| Equity capital to assets | 14.3112% | 730 |
| Core capital (leverage) ratio | 13.8747% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,654,200 | 4,711 |
| Average earning assets | $41,953,600 | 4,692 |
| Average equity | $6,791,600 | 4,550 |
| Average total loans | $28,183,800 | 4,548 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 1,929 |
| Cost of funding earning assets | 0.4758% | 3,388 |
| Net interest margin | 3.8938% | 1,365 |
| Noninterest income to average assets | 0.2407% | 4,045 |
| Noninterest expense to average assets | 2.1386% | 3,855 |
| Loan and lease loss provision to assets | 0.0823% | 3,286 |
| Net operating income to assets | 1.6847% | 593 |
| Return on assets (ROA) | 1.6877% | 654 |
| Pretax return on assets | 1.6877% | 992 |
| Return on Equity (ROE) | 10.9191% | 1,710 |
| Retained earnings to average equity (ytd only) | 4.4149% | 2,844 |
| Net charge-offs to loans | 0.0094% | 2,771 |
| Credit loss provision to net charge-offs | 1,350.0000% | 671 |
| Earnings coverage of net charge-offs (x) | 290.0000% | 371 |
| Efficiency ratio | 54.7582% | 4,067 |
| Assets per employee ($millions) | 5.1586% | 3,057 |
| Cash dividends to net income (ytd only)* | 59.5668% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 975 |
| Loan loss allowance to noncurrent loans | 258.2418% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 2,605 |
| Noncurrent loans to loans | 0.6412% | 2,191 |
| Net loans and leases to total assets | 60.1267% | 3,219 |
| Net loans and leases to deposits | 70.7479% | 3,241 |
| Net loans and leases to core deposits | 72.0127% | 3,471 |
| Total domestic deposits to total assets | 84.9872% | 2,443 |
| Equity capital to assets | 14.9073% | 655 |
| Core capital (leverage) ratio | 14.5375% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,766,000 | 4,745 |
| Average earning assets | $41,192,750 | 4,725 |
| Average equity | $6,764,750 | 4,574 |
| Average total loans | $28,239,000 | 4,570 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4660% | 2,014 |
| Cost of funding earning assets | 0.4722% | 3,690 |
| Net interest margin | 3.9939% | 1,337 |
| Noninterest income to average assets | 0.2146% | 4,201 |
| Noninterest expense to average assets | 2.1736% | 3,868 |
| Loan and lease loss provision to assets | 0.0840% | 3,230 |
| Net operating income to assets | 1.7444% | 563 |
| Return on assets (ROA) | 1.7491% | 610 |
| Pretax return on assets | 1.7491% | 895 |
| Return on Equity (ROE) | 11.1729% | 1,579 |
| Retained earnings to average equity (ytd only) | 6.2568% | 1,962 |
| Net charge-offs to loans | 0.0213% | 2,293 |
| Credit loss provision to net charge-offs | 600.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 130.6667% | 587 |
| Efficiency ratio | 54.3124% | 4,143 |
| Assets per employee ($millions) | 4.9749% | 3,201 |
| Cash dividends to net income (ytd only)* | 44.0000% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 974 |
| Loan loss allowance to noncurrent loans | 192.8870% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 2,223 |
| Noncurrent loans to loans | 0.8366% | 1,821 |
| Net loans and leases to total assets | 62.7775% | 3,036 |
| Net loans and leases to deposits | 74.2910% | 3,050 |
| Net loans and leases to core deposits | 75.6690% | 3,311 |
| Total domestic deposits to total assets | 84.5022% | 2,556 |
| Equity capital to assets | 15.3951% | 555 |
| Core capital (leverage) ratio | 15.1230% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,879,000 | 4,775 |
| Average earning assets | $40,662,333 | 4,755 |
| Average equity | $6,712,667 | 4,603 |
| Average total loans | $28,190,333 | 4,595 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 2,507 |
| Cost of funding earning assets | 0.4612% | 4,108 |
| Net interest margin | 3.9699% | 1,476 |
| Noninterest income to average assets | 0.2480% | 4,066 |
| Noninterest expense to average assets | 2.1654% | 4,086 |
| Loan and lease loss provision to assets | 0.0859% | 2,616 |
| Net operating income to assets | 1.7743% | 432 |
| Return on assets (ROA) | 1.7839% | 472 |
| Pretax return on assets | 1.7839% | 726 |
| Return on Equity (ROE) | 11.2948% | 1,331 |
| Retained earnings to average equity (ytd only) | 1.3288% | 3,661 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7915% | 4,412 |
| Assets per employee ($millions) | 4.6816% | 3,013 |
| Cash dividends to net income (ytd only)* | 88.2353% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 1,012 |
| Loan loss allowance to noncurrent loans | 186.8313% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 2,059 |
| Noncurrent loans to loans | 0.8686% | 1,877 |
| Net loans and leases to total assets | 65.3202% | 2,896 |
| Net loans and leases to deposits | 77.6646% | 2,921 |
| Net loans and leases to core deposits | 79.2023% | 3,269 |
| Total domestic deposits to total assets | 84.1055% | 2,754 |
| Equity capital to assets | 15.7687% | 619 |
| Core capital (leverage) ratio | 15.3186% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,931,500 | 4,811 |
| Average earning assets | $39,900,000 | 4,789 |
| Average equity | $6,622,500 | 4,647 |
| Average total loans | $28,001,000 | 4,634 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5303% | 2,842 |
| Cost of funding earning assets | 0.4377% | 4,315 |
| Net interest margin | 4.0926% | 1,562 |
| Noninterest income to average assets | 0.2363% | 4,262 |
| Noninterest expense to average assets | 2.2524% | 4,060 |
| Loan and lease loss provision to assets | 0.0851% | 2,300 |
| Net operating income to assets | 1.8104% | 513 |
| Return on assets (ROA) | 1.8057% | 544 |
| Pretax return on assets | 1.8057% | 922 |
| Return on Equity (ROE) | 11.8186% | 1,578 |
| Retained earnings to average equity (ytd only) | 2.2431% | 3,892 |
| Net charge-offs to loans | -0.0417% | 4,788 |
| Credit loss provision to net charge-offs | -300.0000% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3020% | 4,394 |
| Assets per employee ($millions) | 4.6366% | 3,036 |
| Cash dividends to net income (ytd only)* | 81.0209% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 1,010 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 1,871 |
| Noncurrent loans to loans | 0.9241% | 1,660 |
| Net loans and leases to total assets | 66.0979% | 2,937 |
| Net loans and leases to deposits | 78.6484% | 2,943 |
| Net loans and leases to core deposits | 80.8430% | 3,229 |
| Total domestic deposits to total assets | 84.0423% | 2,838 |
| Equity capital to assets | 15.8187% | 634 |
| Core capital (leverage) ratio | 15.0066% | 686 |
| Tier 1 risk-based capital ratio | 23.1736% | 902 |
| Total risk-based capital ratio | 24.4271% | 880 |
| Memoranda: | ||
| Average total assets | $42,311,000 | 4,862 |
| Average earning assets | $40,439,200 | 4,836 |
| Average equity | $6,464,400 | 4,699 |
| Average total loans | $28,756,000 | 4,668 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5064% | 3,043 |
| Cost of funding earning assets | 0.4234% | 4,427 |
| Net interest margin | 4.0831% | 1,663 |
| Noninterest income to average assets | 0.2450% | 4,269 |
| Noninterest expense to average assets | 2.1857% | 4,206 |
| Loan and lease loss provision to assets | 0.0848% | 2,211 |
| Net operating income to assets | 1.8811% | 517 |
| Return on assets (ROA) | 1.8748% | 547 |
| Pretax return on assets | 1.8748% | 922 |
| Return on Equity (ROE) | 12.3787% | 1,489 |
| Retained earnings to average equity (ytd only) | 2.9650% | 3,897 |
| Net charge-offs to loans | -0.0691% | 4,909 |
| Credit loss provision to net charge-offs | -180.0000% | 4,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6475% | 4,546 |
| Assets per employee ($millions) | 4.6946% | 2,923 |
| Cash dividends to net income (ytd only)* | 76.0471% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,224 |
| Loan loss allowance to noncurrent loans | 160.4396% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.7219% | 1,898 |
| Noncurrent loans to loans | 0.9401% | 1,711 |
| Net loans and leases to total assets | 67.6931% | 2,836 |
| Net loans and leases to deposits | 80.3986% | 2,859 |
| Net loans and leases to core deposits | 82.6069% | 3,208 |
| Total domestic deposits to total assets | 84.1968% | 2,754 |
| Equity capital to assets | 15.6020% | 714 |
| Core capital (leverage) ratio | 15.2074% | 692 |
| Tier 1 risk-based capital ratio | 22.3190% | 1,030 |
| Total risk-based capital ratio | 23.5710% | 1,002 |
| Memoranda: | ||
| Average total assets | $42,456,500 | 4,933 |
| Average earning assets | $40,622,250 | 4,904 |
| Average equity | $6,430,250 | 4,767 |
| Average total loans | $28,938,500 | 4,727 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 3,148 |
| Cost of funding earning assets | 0.4126% | 4,457 |
| Net interest margin | 4.0475% | 1,773 |
| Noninterest income to average assets | 0.2540% | 4,237 |
| Noninterest expense to average assets | 2.2622% | 4,101 |
| Loan and lease loss provision to assets | 0.0847% | 2,151 |
| Net operating income to assets | 1.7825% | 619 |
| Return on assets (ROA) | 1.7778% | 644 |
| Pretax return on assets | 1.7778% | 1,093 |
| Return on Equity (ROE) | 11.8563% | 1,634 |
| Retained earnings to average equity (ytd only) | 1.0664% | 4,417 |
| Net charge-offs to loans | -0.1038% | 5,006 |
| Credit loss provision to net charge-offs | -120.0000% | 3,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7836% | 4,381 |
| Assets per employee ($millions) | 4.7146% | 2,859 |
| Cash dividends to net income (ytd only)* | 91.0053% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,377 |
| Loan loss allowance to noncurrent loans | 154.3165% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 1,891 |
| Noncurrent loans to loans | 0.9485% | 1,716 |
| Net loans and leases to total assets | 68.0634% | 2,801 |
| Net loans and leases to deposits | 80.4278% | 2,902 |
| Net loans and leases to core deposits | 82.6016% | 3,234 |
| Total domestic deposits to total assets | 84.6268% | 2,629 |
| Equity capital to assets | 15.2459% | 753 |
| Core capital (leverage) ratio | 14.9179% | 721 |
| Tier 1 risk-based capital ratio | 21.5354% | 1,115 |
| Total risk-based capital ratio | 22.7870% | 1,090 |
| Memoranda: | ||
| Average total assets | $42,525,000 | 4,973 |
| Average earning assets | $40,716,330 | 4,946 |
| Average equity | $6,376,330 | 4,800 |
| Average total loans | $28,905,000 | 4,766 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 3,261 |
| Cost of funding earning assets | 0.3921% | 4,517 |
| Net interest margin | 3.9991% | 1,857 |
| Noninterest income to average assets | 0.2537% | 4,194 |
| Noninterest expense to average assets | 2.3865% | 3,802 |
| Loan and lease loss provision to assets | 0.0846% | 2,007 |
| Net operating income to assets | 1.6161% | 864 |
| Return on assets (ROA) | 1.6161% | 898 |
| Pretax return on assets | 1.6161% | 1,424 |
| Return on Equity (ROE) | 10.8689% | 1,994 |
| Retained earnings to average equity (ytd only) | -0.4423% | 4,590 |
| Net charge-offs to loans | -0.2369% | 5,188 |
| Credit loss provision to net charge-offs | -52.9412% | 3,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3908% | 4,024 |
| Assets per employee ($millions) | 4.7900% | 2,800 |
| Cash dividends to net income (ytd only)* | 104.0698% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 1,514 |
| Loan loss allowance to noncurrent loans | 149.1166% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.8490% | 1,670 |
| Noncurrent loans to loans | 0.9715% | 1,720 |
| Net loans and leases to total assets | 66.5948% | 2,962 |
| Net loans and leases to deposits | 78.2134% | 3,037 |
| Net loans and leases to core deposits | 80.2712% | 3,342 |
| Total domestic deposits to total assets | 85.1450% | 2,627 |
| Equity capital to assets | 14.7622% | 802 |
| Core capital (leverage) ratio | 14.5984% | 788 |
| Tier 1 risk-based capital ratio | 21.3446% | 1,123 |
| Total risk-based capital ratio | 22.5967% | 1,106 |
| Memoranda: | ||
| Average total assets | $42,572,000 | 5,021 |
| Average earning assets | $40,809,000 | 4,993 |
| Average equity | $6,330,000 | 4,839 |
| Average total loans | $28,703,000 | 4,822 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1145% | 3,698 |
| Cost of funding earning assets | 0.3406% | 4,342 |
| Net interest margin | 3.7738% | 2,764 |
| Noninterest income to average assets | 0.2583% | 4,384 |
| Noninterest expense to average assets | 2.2477% | 4,228 |
| Loan and lease loss provision to assets | 0.0838% | 2,457 |
| Net operating income to assets | 1.5357% | 1,031 |
| Return on assets (ROA) | 1.5217% | 1,048 |
| Pretax return on assets | 1.5217% | 1,708 |
| Return on Equity (ROE) | 10.4373% | 2,326 |
| Retained earnings to average equity (ytd only) | 1.6598% | 4,479 |
| Net charge-offs to loans | 0.1808% | 1,059 |
| Credit loss provision to net charge-offs | 72.0000% | 2,965 |
| Earnings coverage of net charge-offs (x) | 13.9200% | 2,410 |
| Efficiency ratio | 58.1227% | 4,141 |
| Assets per employee ($millions) | 4.6704% | 2,925 |
| Cash dividends to net income (ytd only)* | 84.0979% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 1,637 |
| Loan loss allowance to noncurrent loans | 134.6939% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.9017% | 1,541 |
| Noncurrent loans to loans | 1.0398% | 1,573 |
| Net loans and leases to total assets | 66.3249% | 3,084 |
| Net loans and leases to deposits | 78.1494% | 3,147 |
| Net loans and leases to core deposits | 80.2597% | 3,409 |
| Total domestic deposits to total assets | 84.8694% | 2,699 |
| Equity capital to assets | 14.9784% | 716 |
| Core capital (leverage) ratio | 14.7466% | 747 |
| Tier 1 risk-based capital ratio | 22.0705% | 1,019 |
| Total risk-based capital ratio | 23.3224% | 1,000 |
| Memoranda: | ||
| Average total assets | $42,977,800 | 5,060 |
| Average earning assets | $41,098,800 | 5,033 |
| Average equity | $6,266,000 | 4,855 |
| Average total loans | $27,651,000 | 4,873 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 3,753 |
| Cost of funding earning assets | 0.3296% | 4,307 |
| Net interest margin | 3.7320% | 2,890 |
| Noninterest income to average assets | 0.2592% | 4,423 |
| Noninterest expense to average assets | 2.1536% | 4,420 |
| Loan and lease loss provision to assets | 0.0833% | 2,294 |
| Net operating income to assets | 1.5859% | 989 |
| Return on assets (ROA) | 1.5828% | 997 |
| Pretax return on assets | 1.5828% | 1,627 |
| Return on Equity (ROE) | 10.9288% | 2,206 |
| Retained earnings to average equity (ytd only) | 6.2421% | 2,526 |
| Net charge-offs to loans | -0.0097% | 4,383 |
| Credit loss provision to net charge-offs | -1,350.0000% | 4,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3358% | 4,340 |
| Assets per employee ($millions) | 4.7080% | 2,838 |
| Cash dividends to net income (ytd only)* | 42.8858% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 1,120 |
| Loan loss allowance to noncurrent loans | 109.4763% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.0337% | 1,408 |
| Noncurrent loans to loans | 1.4449% | 1,139 |
| Net loans and leases to total assets | 64.4624% | 3,367 |
| Net loans and leases to deposits | 76.0899% | 3,411 |
| Net loans and leases to core deposits | 78.1293% | 3,645 |
| Total domestic deposits to total assets | 84.7187% | 2,715 |
| Equity capital to assets | 15.1610% | 685 |
| Core capital (leverage) ratio | 15.1596% | 666 |
| Tier 1 risk-based capital ratio | 23.1151% | 925 |
| Total risk-based capital ratio | 24.3676% | 902 |
| Memoranda: | ||
| Average total assets | $43,213,750 | 5,120 |
| Average earning assets | $41,263,500 | 5,092 |
| Average equity | $6,258,500 | 4,911 |
| Average total loans | $27,495,000 | 4,933 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9798% | 3,843 |
| Cost of funding earning assets | 0.3180% | 4,284 |
| Net interest margin | 3.6618% | 3,070 |
| Noninterest income to average assets | 0.2575% | 4,471 |
| Noninterest expense to average assets | 2.1704% | 4,437 |
| Loan and lease loss provision to assets | 0.0828% | 2,259 |
| Net operating income to assets | 1.4990% | 1,166 |
| Return on assets (ROA) | 1.4944% | 1,172 |
| Pretax return on assets | 1.4944% | 1,836 |
| Return on Equity (ROE) | 10.4782% | 2,341 |
| Retained earnings to average equity (ytd only) | 3.3853% | 3,888 |
| Net charge-offs to loans | -0.0146% | 4,449 |
| Credit loss provision to net charge-offs | -900.0000% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8431% | 4,256 |
| Assets per employee ($millions) | 4.7724% | 2,719 |
| Cash dividends to net income (ytd only)* | 67.6923% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 1,299 |
| Loan loss allowance to noncurrent loans | 103.6145% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.0617% | 1,399 |
| Noncurrent loans to loans | 1.4776% | 1,140 |
| Net loans and leases to total assets | 64.3882% | 3,355 |
| Net loans and leases to deposits | 75.5010% | 3,390 |
| Net loans and leases to core deposits | 77.4765% | 3,621 |
| Total domestic deposits to total assets | 85.2812% | 2,569 |
| Equity capital to assets | 14.6373% | 774 |
| Core capital (leverage) ratio | 14.4667% | 789 |
| Tier 1 risk-based capital ratio | 22.1498% | 1,020 |
| Total risk-based capital ratio | 23.4023% | 1,003 |
| Memoranda: | ||
| Average total assets | $43,494,330 | 5,175 |
| Average earning assets | $41,509,330 | 5,142 |
| Average equity | $6,203,330 | 4,975 |
| Average total loans | $27,409,000 | 4,984 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 4,158 |
| Cost of funding earning assets | 0.3066% | 4,305 |
| Net interest margin | 3.5163% | 3,477 |
| Noninterest income to average assets | 0.2650% | 4,407 |
| Noninterest expense to average assets | 2.3397% | 4,084 |
| Loan and lease loss provision to assets | 0.0823% | 2,149 |
| Net operating income to assets | 1.1973% | 2,015 |
| Return on assets (ROA) | 1.1973% | 2,029 |
| Pretax return on assets | 1.1973% | 2,761 |
| Return on Equity (ROE) | 8.5044% | 3,150 |
| Retained earnings to average equity (ytd only) | -5.7778% | 5,239 |
| Net charge-offs to loans | -0.0296% | 4,731 |
| Credit loss provision to net charge-offs | -450.0000% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6465% | 3,381 |
| Assets per employee ($millions) | 4.9152% | 2,585 |
| Cash dividends to net income (ytd only)* | 167.9389% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 1,323 |
| Loan loss allowance to noncurrent loans | 103.9506% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 1,552 |
| Noncurrent loans to loans | 1.4808% | 1,193 |
| Net loans and leases to total assets | 60.8766% | 3,665 |
| Net loans and leases to deposits | 70.6694% | 3,730 |
| Net loans and leases to core deposits | 72.4373% | 3,922 |
| Total domestic deposits to total assets | 86.1428% | 2,480 |
| Equity capital to assets | 13.7871% | 949 |
| Core capital (leverage) ratio | 13.9066% | 896 |
| Tier 1 risk-based capital ratio | 21.4315% | 1,129 |
| Total risk-based capital ratio | 22.6847% | 1,108 |
| Memoranda: | ||
| Average total assets | $43,765,500 | 5,227 |
| Average earning assets | $41,748,500 | 5,192 |
| Average equity | $6,161,500 | 5,032 |
| Average total loans | $27,070,500 | 5,041 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 4,102 |
| Cost of funding earning assets | 0.3148% | 4,002 |
| Net interest margin | 3.4673% | 3,631 |
| Noninterest income to average assets | 0.2299% | 4,763 |
| Noninterest expense to average assets | 2.1727% | 4,588 |
| Loan and lease loss provision to assets | 0.0828% | 2,545 |
| Net operating income to assets | 1.2324% | 1,417 |
| Return on assets (ROA) | 1.2324% | 1,434 |
| Pretax return on assets | 1.2416% | 2,589 |
| Return on Equity (ROE) | 8.4762% | 2,561 |
| Retained earnings to average equity (ytd only) | 0.2214% | 4,932 |
| Net charge-offs to loans | -0.0270% | 5,034 |
| Credit loss provision to net charge-offs | -514.2857% | 4,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1302% | 3,918 |
| Assets per employee ($millions) | 4.3294% | 3,444 |
| Cash dividends to net income (ytd only)* | 97.3881% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 1,310 |
| Loan loss allowance to noncurrent loans | 100.7371% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 1,464 |
| Noncurrent loans to loans | 1.5192% | 1,115 |
| Net loans and leases to total assets | 60.9322% | 3,737 |
| Net loans and leases to deposits | 71.2261% | 3,773 |
| Net loans and leases to core deposits | 73.0566% | 3,964 |
| Total domestic deposits to total assets | 85.5477% | 2,637 |
| Equity capital to assets | 14.3761% | 812 |
| Core capital (leverage) ratio | 14.2169% | 792 |
| Tier 1 risk-based capital ratio | 22.3489% | 979 |
| Total risk-based capital ratio | 23.6019% | 954 |
| Memoranda: | ||
| Average total assets | $43,494,000 | 5,281 |
| Average earning assets | $40,983,200 | 5,254 |
| Average equity | $6,323,600 | 5,054 |
| Average total loans | $25,915,200 | 5,130 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,124 |
| Cost of funding earning assets | 0.3160% | 3,978 |
| Net interest margin | 3.4500% | 3,675 |
| Noninterest income to average assets | 0.2297% | 4,840 |
| Noninterest expense to average assets | 2.0974% | 4,739 |
| Loan and lease loss provision to assets | 0.0827% | 2,434 |
| Net operating income to assets | 1.2830% | 1,397 |
| Return on assets (ROA) | 1.2830% | 1,422 |
| Pretax return on assets | 1.2921% | 2,529 |
| Return on Equity (ROE) | 8.7997% | 2,726 |
| Retained earnings to average equity (ytd only) | 4.1794% | 3,412 |
| Net charge-offs to loans | -0.0260% | 4,941 |
| Credit loss provision to net charge-offs | -540.0000% | 4,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4056% | 4,144 |
| Assets per employee ($millions) | 4.7374% | 2,775 |
| Cash dividends to net income (ytd only)* | 52.5069% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 1,356 |
| Loan loss allowance to noncurrent loans | 97.7941% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.0671% | 1,572 |
| Noncurrent loans to loans | 1.5880% | 1,162 |
| Net loans and leases to total assets | 59.3241% | 3,941 |
| Net loans and leases to deposits | 70.1500% | 3,947 |
| Net loans and leases to core deposits | 72.0011% | 4,128 |
| Total domestic deposits to total assets | 84.5674% | 2,893 |
| Equity capital to assets | 15.3153% | 670 |
| Core capital (leverage) ratio | 14.9892% | 665 |
| Tier 1 risk-based capital ratio | 23.9347% | 857 |
| Total risk-based capital ratio | 25.1869% | 840 |
| Memoranda: | ||
| Average total assets | $43,544,000 | 5,339 |
| Average earning assets | $40,926,500 | 5,310 |
| Average equity | $6,348,500 | 5,107 |
| Average total loans | $25,696,500 | 5,185 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7368% | 4,113 |
| Cost of funding earning assets | 0.3171% | 3,909 |
| Net interest margin | 3.4197% | 3,704 |
| Noninterest income to average assets | 0.2372% | 4,820 |
| Noninterest expense to average assets | 2.0846% | 4,799 |
| Loan and lease loss provision to assets | 0.0821% | 2,348 |
| Net operating income to assets | 1.2498% | 1,440 |
| Return on assets (ROA) | 1.2498% | 1,465 |
| Pretax return on assets | 1.2681% | 2,505 |
| Return on Equity (ROE) | 8.7150% | 2,656 |
| Retained earnings to average equity (ytd only) | 1.7176% | 4,566 |
| Net charge-offs to loans | -0.0389% | 5,061 |
| Credit loss provision to net charge-offs | -360.0000% | 4,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6906% | 4,212 |
| Assets per employee ($millions) | 4.8536% | 2,585 |
| Cash dividends to net income (ytd only)* | 80.2920% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 1,421 |
| Loan loss allowance to noncurrent loans | 91.1215% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.0874% | 1,610 |
| Noncurrent loans to loans | 1.6933% | 1,075 |
| Net loans and leases to total assets | 56.9708% | 4,125 |
| Net loans and leases to deposits | 66.7991% | 4,163 |
| Net loans and leases to core deposits | 70.0659% | 4,219 |
| Total domestic deposits to total assets | 85.2868% | 2,701 |
| Equity capital to assets | 14.6262% | 789 |
| Core capital (leverage) ratio | 14.3037% | 780 |
| Tier 1 risk-based capital ratio | 23.5545% | 894 |
| Total risk-based capital ratio | 24.8073% | 880 |
| Memoranda: | ||
| Average total assets | $43,846,330 | 5,375 |
| Average earning assets | $40,997,670 | 5,348 |
| Average equity | $6,288,000 | 5,146 |
| Average total loans | $25,697,670 | 5,224 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 3,810 |
| Cost of funding earning assets | 0.3227% | 3,821 |
| Net interest margin | 3.4621% | 3,415 |
| Noninterest income to average assets | 0.2641% | 4,652 |
| Noninterest expense to average assets | 2.1489% | 4,755 |
| Loan and lease loss provision to assets | 0.0820% | 2,178 |
| Net operating income to assets | 1.2293% | 1,431 |
| Return on assets (ROA) | 1.2293% | 1,470 |
| Pretax return on assets | 1.2566% | 2,395 |
| Return on Equity (ROE) | 8.6573% | 2,582 |
| Retained earnings to average equity (ytd only) | -5.4509% | 5,415 |
| Net charge-offs to loans | -0.0463% | 5,149 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6188% | 4,209 |
| Assets per employee ($millions) | 4.8791% | 2,596 |
| Cash dividends to net income (ytd only)* | 162.9630% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 1,663 |
| Loan loss allowance to noncurrent loans | 76.5657% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.2411% | 1,399 |
| Noncurrent loans to loans | 1.9717% | 906 |
| Net loans and leases to total assets | 56.3081% | 4,139 |
| Net loans and leases to deposits | 65.6785% | 4,198 |
| Net loans and leases to core deposits | 68.8478% | 4,231 |
| Total domestic deposits to total assets | 85.7328% | 2,783 |
| Equity capital to assets | 14.1556% | 860 |
| Core capital (leverage) ratio | 13.8502% | 880 |
| Tier 1 risk-based capital ratio | 23.0741% | 965 |
| Total risk-based capital ratio | 24.3252% | 950 |
| Memoranda: | ||
| Average total assets | $43,928,500 | 5,424 |
| Average earning assets | $40,900,000 | 5,409 |
| Average equity | $6,237,500 | 5,202 |
| Average total loans | $25,908,500 | 5,276 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9266% | 3,474 |
| Cost of funding earning assets | 0.3668% | 3,346 |
| Net interest margin | 3.5598% | 3,222 |
| Noninterest income to average assets | 0.2667% | 4,823 |
| Noninterest expense to average assets | 2.1903% | 4,794 |
| Loan and lease loss provision to assets | 0.0814% | 2,729 |
| Net operating income to assets | 1.3161% | 1,176 |
| Return on assets (ROA) | 1.3766% | 1,102 |
| Pretax return on assets | 1.3901% | 1,982 |
| Return on Equity (ROE) | 9.8941% | 2,001 |
| Retained earnings to average equity (ytd only) | 3.8666% | 3,172 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8286% | 4,450 |
| Assets per employee ($millions) | 4.8828% | 2,524 |
| Cash dividends to net income (ytd only)* | 60.9195% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 2,203 |
| Loan loss allowance to noncurrent loans | 67.3394% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.3608% | 1,270 |
| Noncurrent loans to loans | 2.0403% | 877 |
| Net loans and leases to total assets | 59.9499% | 3,857 |
| Net loans and leases to deposits | 70.0088% | 3,902 |
| Net loans and leases to core deposits | 73.3824% | 3,970 |
| Total domestic deposits to total assets | 85.6320% | 2,764 |
| Equity capital to assets | 14.2428% | 812 |
| Core capital (leverage) ratio | 14.0349% | 808 |
| Tier 1 risk-based capital ratio | 20.3864% | 1,308 |
| Total risk-based capital ratio | 21.5740% | 1,294 |
| Memoranda: | ||
| Average total assets | $44,240,800 | 5,461 |
| Average earning assets | $41,435,200 | 5,433 |
| Average equity | $6,155,200 | 5,253 |
| Average total loans | $26,858,800 | 5,299 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9096% | 3,550 |
| Cost of funding earning assets | 0.3753% | 3,276 |
| Net interest margin | 3.5343% | 3,344 |
| Noninterest income to average assets | 0.2708% | 4,839 |
| Noninterest expense to average assets | 2.1663% | 4,854 |
| Loan and lease loss provision to assets | 0.0812% | 2,583 |
| Net operating income to assets | 1.3216% | 1,228 |
| Return on assets (ROA) | 1.4021% | 1,120 |
| Pretax return on assets | 1.4201% | 1,972 |
| Return on Equity (ROE) | 10.1370% | 1,998 |
| Retained earnings to average equity (ytd only) | 5.3512% | 2,585 |
| Net charge-offs to loans | 0.0049% | 3,735 |
| Credit loss provision to net charge-offs | 2,700.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 473.1729% | 188 |
| Efficiency ratio | 60.4027% | 4,479 |
| Assets per employee ($millions) | 4.8658% | 2,547 |
| Cash dividends to net income (ytd only)* | 47.2108% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 2,674 |
| Loan loss allowance to noncurrent loans | 68.2600% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.3153% | 1,453 |
| Noncurrent loans to loans | 1.9090% | 1,048 |
| Net loans and leases to total assets | 61.7442% | 3,665 |
| Net loans and leases to deposits | 72.2292% | 3,785 |
| Net loans and leases to core deposits | 76.6433% | 3,780 |
| Total domestic deposits to total assets | 85.4836% | 2,610 |
| Equity capital to assets | 14.4159% | 902 |
| Core capital (leverage) ratio | 14.1447% | 810 |
| Tier 1 risk-based capital ratio | 21.9039% | 1,152 |
| Total risk-based capital ratio | 23.1437% | 1,130 |
| Memoranda: | ||
| Average total assets | $44,314,750 | 5,512 |
| Average earning assets | $41,572,250 | 5,487 |
| Average equity | $6,129,250 | 5,314 |
| Average total loans | $26,895,500 | 5,352 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8779% | 3,663 |
| Cost of funding earning assets | 0.3878% | 3,174 |
| Net interest margin | 3.4902% | 3,524 |
| Noninterest income to average assets | 0.2697% | 4,852 |
| Noninterest expense to average assets | 2.2073% | 4,826 |
| Loan and lease loss provision to assets | 0.0809% | 2,520 |
| Net operating income to assets | 1.2342% | 1,488 |
| Return on assets (ROA) | 1.3531% | 1,230 |
| Pretax return on assets | 1.3801% | 2,095 |
| Return on Equity (ROE) | 9.9209% | 2,083 |
| Retained earnings to average equity (ytd only) | 2.6697% | 4,200 |
| Net charge-offs to loans | 0.0075% | 3,429 |
| Credit loss provision to net charge-offs | 1,800.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 298.0000% | 231 |
| Efficiency ratio | 62.2307% | 4,313 |
| Assets per employee ($millions) | 4.8681% | 2,455 |
| Cash dividends to net income (ytd only)* | 73.0897% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,824 |
| Loan loss allowance to noncurrent loans | 75.9825% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.1914% | 1,746 |
| Noncurrent loans to loans | 1.7023% | 1,247 |
| Net loans and leases to total assets | 60.6144% | 3,801 |
| Net loans and leases to deposits | 70.6454% | 3,925 |
| Net loans and leases to core deposits | 74.9351% | 3,914 |
| Total domestic deposits to total assets | 85.8010% | 2,521 |
| Equity capital to assets | 14.0849% | 993 |
| Core capital (leverage) ratio | 13.7418% | 886 |
| Tier 1 risk-based capital ratio | 21.6952% | 1,170 |
| Total risk-based capital ratio | 22.9242% | 1,159 |
| Memoranda: | ||
| Average total assets | $44,489,000 | 5,573 |
| Average earning assets | $41,774,670 | 5,546 |
| Average equity | $6,068,000 | 5,376 |
| Average total loans | $26,728,670 | 5,413 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 3,648 |
| Cost of funding earning assets | 0.3977% | 3,097 |
| Net interest margin | 3.4848% | 3,535 |
| Noninterest income to average assets | 0.3034% | 4,557 |
| Noninterest expense to average assets | 2.4182% | 4,315 |
| Loan and lease loss provision to assets | 0.0803% | 2,350 |
| Net operating income to assets | 1.0512% | 2,082 |
| Return on assets (ROA) | 1.2849% | 1,377 |
| Pretax return on assets | 1.3296% | 2,185 |
| Return on Equity (ROE) | 9.5737% | 2,170 |
| Retained earnings to average equity (ytd only) | -5.0528% | 5,610 |
| Net charge-offs to loans | -0.0150% | 4,713 |
| Credit loss provision to net charge-offs | -900.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4129% | 3,555 |
| Assets per employee ($millions) | 4.8994% | 2,458 |
| Cash dividends to net income (ytd only)* | 152.7778% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 3,036 |
| Loan loss allowance to noncurrent loans | 79.1183% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.1498% | 1,913 |
| Noncurrent loans to loans | 1.6093% | 1,434 |
| Net loans and leases to total assets | 59.9637% | 3,779 |
| Net loans and leases to deposits | 69.4883% | 3,899 |
| Net loans and leases to core deposits | 73.6354% | 3,929 |
| Total domestic deposits to total assets | 86.2932% | 2,543 |
| Equity capital to assets | 13.6093% | 1,137 |
| Core capital (leverage) ratio | 13.1120% | 1,120 |
| Tier 1 risk-based capital ratio | 19.8923% | 1,528 |
| Total risk-based capital ratio | 21.0255% | 1,518 |
| Memoranda: | ||
| Average total assets | $44,827,000 | 5,623 |
| Average earning assets | $42,240,000 | 5,588 |
| Average equity | $6,016,500 | 5,420 |
| Average total loans | $26,640,500 | 5,462 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 3,697 |
| Cost of funding earning assets | 0.5001% | 2,155 |
| Net interest margin | 3.4025% | 3,905 |
| Noninterest income to average assets | 0.2742% | 4,923 |
| Noninterest expense to average assets | 2.0864% | 5,278 |
| Loan and lease loss provision to assets | 0.0658% | 2,969 |
| Net operating income to assets | 1.2970% | 1,272 |
| Return on assets (ROA) | 1.3339% | 1,230 |
| Pretax return on assets | 1.3537% | 2,089 |
| Return on Equity (ROE) | 10.3854% | 1,848 |
| Retained earnings to average equity (ytd only) | 5.2268% | 2,258 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1518% | 4,888 |
| Assets per employee ($millions) | 5.0621% | 2,289 |
| Cash dividends to net income (ytd only)* | 49.6711% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 3,180 |
| Loan loss allowance to noncurrent loans | 75.9174% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.1941% | 1,815 |
| Noncurrent loans to loans | 1.6453% | 1,383 |
| Net loans and leases to total assets | 57.4376% | 4,153 |
| Net loans and leases to deposits | 66.2833% | 4,291 |
| Net loans and leases to core deposits | 70.0747% | 4,296 |
| Total domestic deposits to total assets | 86.6547% | 2,295 |
| Equity capital to assets | 13.2400% | 1,237 |
| Core capital (leverage) ratio | 13.0844% | 1,115 |
| Tier 1 risk-based capital ratio | 19.9054% | 1,498 |
| Total risk-based capital ratio | 20.9923% | 1,506 |
| Memoranda: | ||
| Average total assets | $45,580,400 | 5,642 |
| Average earning assets | $42,791,800 | 5,617 |
| Average equity | $5,854,400 | 5,467 |
| Average total loans | $25,181,600 | 5,549 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 3,772 |
| Cost of funding earning assets | 0.5080% | 2,143 |
| Net interest margin | 3.3812% | 4,030 |
| Noninterest income to average assets | 0.2778% | 4,955 |
| Noninterest expense to average assets | 1.9801% | 5,518 |
| Loan and lease loss provision to assets | 0.0614% | 2,953 |
| Net operating income to assets | 1.3844% | 1,145 |
| Return on assets (ROA) | 1.4332% | 1,089 |
| Pretax return on assets | 1.4595% | 1,805 |
| Return on Equity (ROE) | 11.2448% | 1,611 |
| Retained earnings to average equity (ytd only) | 6.1960% | 2,119 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3729% | 5,193 |
| Assets per employee ($millions) | 5.0470% | 2,248 |
| Cash dividends to net income (ytd only)* | 44.8984% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 3,470 |
| Loan loss allowance to noncurrent loans | 165.1282% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 3,198 |
| Noncurrent loans to loans | 0.7460% | 3,092 |
| Net loans and leases to total assets | 56.8412% | 4,261 |
| Net loans and leases to deposits | 65.6037% | 4,420 |
| Net loans and leases to core deposits | 69.3425% | 4,434 |
| Total domestic deposits to total assets | 86.6433% | 2,214 |
| Equity capital to assets | 13.2356% | 1,337 |
| Core capital (leverage) ratio | 13.0523% | 1,184 |
| Tier 1 risk-based capital ratio | 20.0960% | 1,517 |
| Total risk-based capital ratio | 21.1699% | 1,530 |
| Memoranda: | ||
| Average total assets | $45,585,750 | 5,715 |
| Average earning assets | $42,784,750 | 5,689 |
| Average equity | $5,810,000 | 5,549 |
| Average total loans | $24,852,250 | 5,624 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8507% | 3,866 |
| Cost of funding earning assets | 0.5094% | 2,166 |
| Net interest margin | 3.3414% | 4,137 |
| Noninterest income to average assets | 0.2717% | 5,009 |
| Noninterest expense to average assets | 1.9807% | 5,558 |
| Loan and lease loss provision to assets | 0.0657% | 2,801 |
| Net operating income to assets | 1.3209% | 1,259 |
| Return on assets (ROA) | 1.3804% | 1,172 |
| Pretax return on assets | 1.4198% | 1,897 |
| Return on Equity (ROE) | 10.9705% | 1,687 |
| Retained earnings to average equity (ytd only) | 3.3086% | 3,937 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1725% | 5,201 |
| Assets per employee ($millions) | 5.0643% | 2,189 |
| Cash dividends to net income (ytd only)* | 69.8413% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 3,568 |
| Loan loss allowance to noncurrent loans | 99.6845% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.9566% | 2,618 |
| Noncurrent loans to loans | 1.2432% | 2,169 |
| Net loans and leases to total assets | 55.2513% | 4,415 |
| Net loans and leases to deposits | 63.4205% | 4,583 |
| Net loans and leases to core deposits | 66.9885% | 4,572 |
| Total domestic deposits to total assets | 87.1191% | 2,098 |
| Equity capital to assets | 12.7098% | 1,540 |
| Core capital (leverage) ratio | 12.5706% | 1,344 |
| Tier 1 risk-based capital ratio | 19.6388% | 1,639 |
| Total risk-based capital ratio | 20.6995% | 1,652 |
| Memoranda: | ||
| Average total assets | $45,640,000 | 5,779 |
| Average earning assets | $42,797,000 | 5,745 |
| Average equity | $5,742,670 | 5,618 |
| Average total loans | $24,422,670 | 5,692 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7936% | 4,035 |
| Cost of funding earning assets | 0.5165% | 2,141 |
| Net interest margin | 3.2772% | 4,311 |
| Noninterest income to average assets | 0.2978% | 4,790 |
| Noninterest expense to average assets | 2.1458% | 5,285 |
| Loan and lease loss provision to assets | 0.0788% | 2,378 |
| Net operating income to assets | 1.1298% | 1,754 |
| Return on assets (ROA) | 1.1298% | 1,861 |
| Pretax return on assets | 1.1298% | 2,949 |
| Return on Equity (ROE) | 9.0249% | 2,431 |
| Retained earnings to average equity (ytd only) | -6.3664% | 6,012 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9687% | 4,489 |
| Assets per employee ($millions) | 5.1090% | 2,209 |
| Cash dividends to net income (ytd only)* | 170.5426% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 3,326 |
| Loan loss allowance to noncurrent loans | 89.0805% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.0200% | 2,584 |
| Noncurrent loans to loans | 1.4743% | 1,921 |
| Net loans and leases to total assets | 50.6622% | 4,780 |
| Net loans and leases to deposits | 57.9189% | 4,923 |
| Net loans and leases to core deposits | 61.1161% | 4,907 |
| Total domestic deposits to total assets | 87.4709% | 2,124 |
| Equity capital to assets | 12.4116% | 1,744 |
| Core capital (leverage) ratio | 12.1465% | 1,549 |
| Tier 1 risk-based capital ratio | 19.5554% | 1,722 |
| Total risk-based capital ratio | 20.6255% | 1,722 |
| Memoranda: | ||
| Average total assets | $45,670,500 | 5,831 |
| Average earning assets | $42,597,500 | 5,795 |
| Average equity | $5,717,500 | 5,671 |
| Average total loans | $23,884,500 | 5,756 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 3,473 |
| Cost of funding earning assets | 0.5666% | 2,077 |
| Net interest margin | 3.4954% | 3,815 |
| Noninterest income to average assets | 0.2718% | 5,178 |
| Noninterest expense to average assets | 2.1263% | 5,513 |
| Loan and lease loss provision to assets | 0.0754% | 2,973 |
| Net operating income to assets | 1.3109% | 1,284 |
| Return on assets (ROA) | 1.3109% | 1,329 |
| Pretax return on assets | 1.3109% | 2,205 |
| Return on Equity (ROE) | 10.3241% | 1,978 |
| Retained earnings to average equity (ytd only) | 4.1368% | 3,259 |
| Net charge-offs to loans | 0.0167% | 4,535 |
| Credit loss provision to net charge-offs | 825.0000% | 330 |
| Earnings coverage of net charge-offs (x) | 151.7500% | 356 |
| Efficiency ratio | 60.5332% | 5,141 |
| Assets per employee ($millions) | 5.0400% | 2,268 |
| Cash dividends to net income (ytd only)* | 59.9303% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 3,745 |
| Loan loss allowance to noncurrent loans | 144.7115% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.7319% | 3,380 |
| Noncurrent loans to loans | 0.8608% | 3,162 |
| Net loans and leases to total assets | 52.6080% | 4,727 |
| Net loans and leases to deposits | 60.2921% | 4,881 |
| Net loans and leases to core deposits | 63.6652% | 4,860 |
| Total domestic deposits to total assets | 87.2553% | 2,144 |
| Equity capital to assets | 12.6279% | 1,578 |
| Core capital (leverage) ratio | 12.6736% | 1,269 |
| Tier 1 risk-based capital ratio | 19.7097% | 1,660 |
| Total risk-based capital ratio | 20.7402% | 1,693 |
| Memoranda: | ||
| Average total assets | $43,785,600 | 5,936 |
| Average earning assets | $40,596,200 | 5,903 |
| Average equity | $5,559,800 | 5,726 |
| Average total loans | $24,000,200 | 5,823 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 3,434 |
| Cost of funding earning assets | 0.5805% | 2,015 |
| Net interest margin | 3.5059% | 3,804 |
| Noninterest income to average assets | 0.2642% | 5,322 |
| Noninterest expense to average assets | 2.0372% | 5,705 |
| Loan and lease loss provision to assets | 0.0830% | 2,693 |
| Net operating income to assets | 1.3919% | 1,149 |
| Return on assets (ROA) | 1.3919% | 1,190 |
| Pretax return on assets | 1.3919% | 2,042 |
| Return on Equity (ROE) | 10.9461% | 1,807 |
| Retained earnings to average equity (ytd only) | 4.9536% | 3,108 |
| Net charge-offs to loans | 0.0056% | 4,500 |
| Credit loss provision to net charge-offs | 2,700.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 481.1880% | 159 |
| Efficiency ratio | 58.0052% | 5,446 |
| Assets per employee ($millions) | 4.9026% | 2,374 |
| Cash dividends to net income (ytd only)* | 54.7468% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 4,024 |
| Loan loss allowance to noncurrent loans | 205.5172% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 3,990 |
| Noncurrent loans to loans | 0.6031% | 4,125 |
| Net loans and leases to total assets | 53.8132% | 4,599 |
| Net loans and leases to deposits | 61.8946% | 4,750 |
| Net loans and leases to core deposits | 65.4501% | 4,758 |
| Total domestic deposits to total assets | 86.9433% | 2,351 |
| Equity capital to assets | 12.9298% | 1,465 |
| Core capital (leverage) ratio | 12.8586% | 1,244 |
| Tier 1 risk-based capital ratio | 19.9291% | 1,691 |
| Total risk-based capital ratio | 20.9652% | 1,702 |
| Memoranda: | ||
| Average total assets | $43,392,000 | 6,015 |
| Average earning assets | $40,197,750 | 5,986 |
| Average equity | $5,517,750 | 5,794 |
| Average total loans | $23,959,250 | 5,886 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 3,269 |
| Cost of funding earning assets | 0.5834% | 2,044 |
| Net interest margin | 3.5356% | 3,630 |
| Noninterest income to average assets | 0.2967% | 5,039 |
| Noninterest expense to average assets | 2.0534% | 5,718 |
| Loan and lease loss provision to assets | 0.0834% | 2,638 |
| Net operating income to assets | 1.4184% | 1,023 |
| Return on assets (ROA) | 1.4184% | 1,064 |
| Pretax return on assets | 1.4184% | 1,825 |
| Return on Equity (ROE) | 11.2184% | 1,659 |
| Retained earnings to average equity (ytd only) | 2.1264% | 4,832 |
| Net charge-offs to loans | 0.0167% | 3,889 |
| Credit loss provision to net charge-offs | 900.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 162.0000% | 384 |
| Efficiency ratio | 57.7575% | 5,586 |
| Assets per employee ($millions) | 4.8500% | 2,406 |
| Cash dividends to net income (ytd only)* | 81.0458% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 4,288 |
| Loan loss allowance to noncurrent loans | 204.2553% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 3,833 |
| Noncurrent loans to loans | 0.6010% | 4,224 |
| Net loans and leases to total assets | 53.0836% | 4,634 |
| Net loans and leases to deposits | 60.9667% | 4,786 |
| Net loans and leases to core deposits | 64.4893% | 4,769 |
| Total domestic deposits to total assets | 87.0699% | 2,418 |
| Equity capital to assets | 12.7629% | 1,511 |
| Core capital (leverage) ratio | 12.6868% | 1,291 |
| Tier 1 risk-based capital ratio | 19.5485% | 1,793 |
| Total risk-based capital ratio | 20.5565% | 1,812 |
| Memoranda: | ||
| Average total assets | $43,148,330 | 6,074 |
| Average earning assets | $39,766,670 | 6,051 |
| Average equity | $5,455,330 | 5,849 |
| Average total loans | $23,931,670 | 5,932 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 3,237 |
| Cost of funding earning assets | 0.5858% | 2,109 |
| Net interest margin | 3.5251% | 3,589 |
| Noninterest income to average assets | 0.3264% | 4,758 |
| Noninterest expense to average assets | 2.2099% | 5,439 |
| Loan and lease loss provision to assets | 0.0839% | 2,503 |
| Net operating income to assets | 1.2868% | 1,252 |
| Return on assets (ROA) | 1.2868% | 1,298 |
| Pretax return on assets | 1.2868% | 2,143 |
| Return on Equity (ROE) | 10.2270% | 1,952 |
| Retained earnings to average equity (ytd only) | -8.1519% | 6,292 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7188% | 5,171 |
| Assets per employee ($millions) | 4.8702% | 2,413 |
| Cash dividends to net income (ytd only)* | 179.7101% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 4,777 |
| Loan loss allowance to noncurrent loans | 139.8010% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 3,584 |
| Noncurrent loans to loans | 0.8372% | 3,793 |
| Net loans and leases to total assets | 54.1340% | 4,397 |
| Net loans and leases to deposits | 61.8706% | 4,562 |
| Net loans and leases to core deposits | 64.9477% | 4,600 |
| Total domestic deposits to total assets | 87.4954% | 2,514 |
| Equity capital to assets | 12.3266% | 1,671 |
| Core capital (leverage) ratio | 12.4983% | 1,387 |
| Tier 1 risk-based capital ratio | 18.6858% | 2,066 |
| Total risk-based capital ratio | 19.6551% | 2,115 |
| Memoranda: | ||
| Average total assets | $42,897,500 | 6,139 |
| Average earning assets | $39,602,000 | 6,112 |
| Average equity | $5,397,500 | 5,898 |
| Average total loans | $24,168,000 | 5,973 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 3,246 |
| Cost of funding earning assets | 0.6566% | 2,156 |
| Net interest margin | 3.5689% | 3,606 |
| Noninterest income to average assets | 0.3309% | 4,966 |
| Noninterest expense to average assets | 2.1000% | 5,830 |
| Loan and lease loss provision to assets | 0.0714% | 3,690 |
| Net operating income to assets | 1.4595% | 895 |
| Return on assets (ROA) | 1.4595% | 940 |
| Pretax return on assets | 1.4595% | 1,585 |
| Return on Equity (ROE) | 11.5564% | 1,566 |
| Retained earnings to average equity (ytd only) | 4.2983% | 3,116 |
| Net charge-offs to loans | 0.0208% | 5,017 |
| Credit loss provision to net charge-offs | 600.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 128.6000% | 363 |
| Efficiency ratio | 57.8361% | 5,757 |
| Assets per employee ($millions) | 4.6626% | 2,635 |
| Cash dividends to net income (ytd only)* | 62.8059% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 5,055 |
| Loan loss allowance to noncurrent loans | 101.1152% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 3,287 |
| Noncurrent loans to loans | 1.1058% | 3,326 |
| Net loans and leases to total assets | 57.3243% | 4,142 |
| Net loans and leases to deposits | 65.8734% | 4,308 |
| Net loans and leases to core deposits | 69.3088% | 4,366 |
| Total domestic deposits to total assets | 87.0219% | 2,716 |
| Equity capital to assets | 12.8494% | 1,345 |
| Core capital (leverage) ratio | 12.7671% | 1,229 |
| Tier 1 risk-based capital ratio | 18.7347% | 1,998 |
| Total risk-based capital ratio | 19.6569% | 2,071 |
| Memoranda: | ||
| Average total assets | $42,001,000 | 6,225 |
| Average earning assets | $38,835,600 | 6,199 |
| Average equity | $5,304,400 | 5,984 |
| Average total loans | $24,018,000 | 6,033 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 3,350 |
| Cost of funding earning assets | 0.6615% | 2,252 |
| Net interest margin | 3.5486% | 3,662 |
| Noninterest income to average assets | 0.3428% | 4,951 |
| Noninterest expense to average assets | 1.9836% | 6,043 |
| Loan and lease loss provision to assets | 0.0857% | 3,345 |
| Net operating income to assets | 1.5424% | 837 |
| Return on assets (ROA) | 1.5424% | 879 |
| Pretax return on assets | 1.5424% | 1,490 |
| Return on Equity (ROE) | 12.2665% | 1,402 |
| Retained earnings to average equity (ytd only) | 5.3257% | 2,861 |
| Net charge-offs to loans | 0.0279% | 4,566 |
| Credit loss provision to net charge-offs | 540.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 102.5457% | 490 |
| Efficiency ratio | 54.9209% | 6,023 |
| Assets per employee ($millions) | 4.2522% | 3,326 |
| Cash dividends to net income (ytd only)* | 56.5851% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 5,286 |
| Loan loss allowance to noncurrent loans | 107.2000% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0042% | 3,646 |
| Noncurrent loans to loans | 1.0349% | 3,732 |
| Net loans and leases to total assets | 56.1780% | 4,297 |
| Net loans and leases to deposits | 64.3188% | 4,485 |
| Net loans and leases to core deposits | 67.5967% | 4,561 |
| Total domestic deposits to total assets | 87.3430% | 2,485 |
| Equity capital to assets | 12.4971% | 1,580 |
| Core capital (leverage) ratio | 12.7899% | 1,288 |
| Tier 1 risk-based capital ratio | 18.5970% | 2,114 |
| Total risk-based capital ratio | 19.5017% | 2,192 |
| Memoranda: | ||
| Average total assets | $42,010,500 | 6,298 |
| Average earning assets | $38,699,750 | 6,276 |
| Average equity | $5,282,500 | 6,065 |
| Average total loans | $23,940,750 | 6,095 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 3,436 |
| Cost of funding earning assets | 0.6669% | 2,342 |
| Net interest margin | 3.5167% | 3,714 |
| Noninterest income to average assets | 0.3489% | 4,897 |
| Noninterest expense to average assets | 2.1511% | 5,743 |
| Loan and lease loss provision to assets | 0.0860% | 3,363 |
| Net operating income to assets | 1.3384% | 1,230 |
| Return on assets (ROA) | 1.3384% | 1,316 |
| Pretax return on assets | 1.3384% | 2,162 |
| Return on Equity (ROE) | 10.6222% | 1,960 |
| Retained earnings to average equity (ytd only) | 0.1897% | 5,798 |
| Net charge-offs to loans | 0.0335% | 4,215 |
| Credit loss provision to net charge-offs | 450.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 607 |
| Efficiency ratio | 60.1604% | 5,465 |
| Assets per employee ($millions) | 4.6930% | 2,524 |
| Cash dividends to net income (ytd only)* | 98.2143% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 5,486 |
| Loan loss allowance to noncurrent loans | 38.7481% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 2.0953% | 2,061 |
| Noncurrent loans to loans | 2.8120% | 1,608 |
| Net loans and leases to total assets | 55.8799% | 4,314 |
| Net loans and leases to deposits | 63.8237% | 4,529 |
| Net loans and leases to core deposits | 67.0759% | 4,586 |
| Total domestic deposits to total assets | 87.5536% | 2,517 |
| Equity capital to assets | 12.3328% | 1,683 |
| Core capital (leverage) ratio | 12.5251% | 1,348 |
| Tier 1 risk-based capital ratio | 18.1927% | 2,254 |
| Total risk-based capital ratio | 19.0847% | 2,344 |
| Memoranda: | ||
| Average total assets | $41,840,000 | 6,349 |
| Average earning assets | $38,388,670 | 6,332 |
| Average equity | $5,272,000 | 6,107 |
| Average total loans | $23,869,000 | 6,136 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 3,320 |
| Cost of funding earning assets | 0.6836% | 2,357 |
| Net interest margin | 3.5125% | 3,644 |
| Noninterest income to average assets | 0.3554% | 4,828 |
| Noninterest expense to average assets | 2.2478% | 5,572 |
| Loan and lease loss provision to assets | 0.0865% | 3,217 |
| Net operating income to assets | 1.2295% | 1,435 |
| Return on assets (ROA) | 1.2295% | 1,549 |
| Pretax return on assets | 1.2295% | 2,472 |
| Return on Equity (ROE) | 9.6540% | 2,205 |
| Retained earnings to average equity (ytd only) | -11.0870% | 6,657 |
| Net charge-offs to loans | 0.0335% | 3,563 |
| Credit loss provision to net charge-offs | 450.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 523 |
| Efficiency ratio | 63.0728% | 5,145 |
| Assets per employee ($millions) | 4.1909% | 3,551 |
| Cash dividends to net income (ytd only)* | 214.8438% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 5,749 |
| Loan loss allowance to noncurrent loans | 38.1024% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 2.1093% | 2,226 |
| Noncurrent loans to loans | 2.7817% | 1,823 |
| Net loans and leases to total assets | 56.3531% | 4,033 |
| Net loans and leases to deposits | 64.5803% | 4,246 |
| Net loans and leases to core deposits | 67.8923% | 4,312 |
| Total domestic deposits to total assets | 87.2605% | 2,781 |
| Equity capital to assets | 12.5868% | 1,660 |
| Core capital (leverage) ratio | 12.2119% | 1,455 |
| Tier 1 risk-based capital ratio | 17.7523% | 2,465 |
| Total risk-based capital ratio | 18.6242% | 2,578 |
| Memoranda: | ||
| Average total assets | $41,641,500 | 6,414 |
| Average earning assets | $38,035,500 | 6,402 |
| Average equity | $5,303,500 | 6,160 |
| Average total loans | $23,872,500 | 6,185 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4257% | 3,712 |
| Cost of funding earning assets | 0.7967% | 2,692 |
| Net interest margin | 3.6290% | 3,971 |
| Noninterest income to average assets | 0.3998% | 4,611 |
| Noninterest expense to average assets | 2.3458% | 5,573 |
| Loan and lease loss provision to assets | 0.0578% | 5,053 |
| Net operating income to assets | 1.2765% | 1,377 |
| Return on assets (ROA) | 1.2957% | 1,467 |
| Pretax return on assets | 1.2957% | 2,423 |
| Return on Equity (ROE) | 10.5677% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.5677% | 495 |
| Net charge-offs to loans | 0.0253% | 5,543 |
| Credit loss provision to net charge-offs | 400.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 92.3333% | 418 |
| Efficiency ratio | 63.7435% | 4,935 |
| Assets per employee ($millions) | 4.5971% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 5,854 |
| Loan loss allowance to noncurrent loans | 51.0373% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 1.7064% | 2,841 |
| Noncurrent loans to loans | 2.0188% | 2,676 |
| Net loans and leases to total assets | 57.1107% | 4,106 |
| Net loans and leases to deposits | 65.7055% | 4,331 |
| Net loans and leases to core deposits | 69.1189% | 4,421 |
| Total domestic deposits to total assets | 86.9193% | 2,877 |
| Equity capital to assets | 12.8873% | 1,498 |
| Core capital (leverage) ratio | 12.3621% | 1,376 |
| Tier 1 risk-based capital ratio | 17.9969% | 2,261 |
| Total risk-based capital ratio | 18.8324% | 2,393 |
| Memoranda: | ||
| Average total assets | $41,521,200 | 6,450 |
| Average earning assets | $37,530,800 | 6,451 |
| Average equity | $5,091,000 | 6,266 |
| Average total loans | $23,718,400 | 6,254 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4585% | 3,789 |
| Cost of funding earning assets | 0.8175% | 2,798 |
| Net interest margin | 3.6411% | 4,051 |
| Noninterest income to average assets | 0.4075% | 4,577 |
| Noninterest expense to average assets | 2.1977% | 5,957 |
| Loan and lease loss provision to assets | 0.0481% | 5,171 |
| Net operating income to assets | 1.4079% | 1,207 |
| Return on assets (ROA) | 1.3828% | 1,393 |
| Pretax return on assets | 1.4084% | 2,208 |
| Return on Equity (ROE) | 11.4228% | 1,814 |
| Retained earnings to average equity (ytd only) | 11.4228% | 626 |
| Net charge-offs to loans | 0.0338% | 5,172 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 76.9975% | 529 |
| Efficiency ratio | 59.7210% | 5,541 |
| Assets per employee ($millions) | 4.3744% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 6,007 |
| Loan loss allowance to noncurrent loans | 85.5596% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.1659% | 3,951 |
| Noncurrent loans to loans | 1.1918% | 4,069 |
| Net loans and leases to total assets | 52.5901% | 4,970 |
| Net loans and leases to deposits | 59.8777% | 5,226 |
| Net loans and leases to core deposits | 62.7660% | 5,289 |
| Total domestic deposits to total assets | 87.8292% | 2,149 |
| Equity capital to assets | 11.9971% | 2,260 |
| Core capital (leverage) ratio | 12.0676% | 1,615 |
| Tier 1 risk-based capital ratio | 18.0068% | 2,344 |
| Total risk-based capital ratio | 18.8289% | 2,475 |
| Memoranda: | ||
| Average total assets | $41,558,000 | 6,531 |
| Average earning assets | $37,351,000 | 6,534 |
| Average equity | $5,030,750 | 6,353 |
| Average total loans | $23,679,250 | 6,340 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6090% | 3,323 |
| Cost of funding earning assets | 0.8523% | 2,780 |
| Net interest margin | 3.7567% | 3,556 |
| Noninterest income to average assets | 0.4703% | 4,133 |
| Noninterest expense to average assets | 2.4394% | 5,327 |
| Loan and lease loss provision to assets | 0.0441% | 5,128 |
| Net operating income to assets | 1.3765% | 1,244 |
| Return on assets (ROA) | 1.3765% | 1,400 |
| Pretax return on assets | 1.3765% | 2,302 |
| Return on Equity (ROE) | 11.3345% | 1,864 |
| Retained earnings to average equity (ytd only) | 11.3345% | 682 |
| Net charge-offs to loans | 0.0504% | 4,698 |
| Credit loss provision to net charge-offs | 150.0000% | 1,841 |
| Earnings coverage of net charge-offs (x) | 48.3333% | 750 |
| Efficiency ratio | 63.1980% | 5,050 |
| Assets per employee ($millions) | 4.1952% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 6,317 |
| Loan loss allowance to noncurrent loans | 334.7826% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.7199% | 4,995 |
| Noncurrent loans to loans | 0.2847% | 6,000 |
| Net loans and leases to total assets | 57.2154% | 4,295 |
| Net loans and leases to deposits | 65.3001% | 4,605 |
| Net loans and leases to core deposits | 69.1749% | 4,642 |
| Total domestic deposits to total assets | 87.6192% | 2,385 |
| Equity capital to assets | 12.2330% | 1,979 |
| Core capital (leverage) ratio | 12.0342% | 1,587 |
| Tier 1 risk-based capital ratio | 17.5345% | 2,465 |
| Total risk-based capital ratio | 18.3380% | 2,590 |
| Memoranda: | ||
| Average total assets | $40,829,330 | 6,601 |
| Average earning assets | $36,841,330 | 6,594 |
| Average equity | $4,958,330 | 6,399 |
| Average total loans | $23,825,000 | 6,377 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 3,335 |
| Cost of funding earning assets | 0.8638% | 2,963 |
| Net interest margin | 3.7722% | 3,506 |
| Noninterest income to average assets | 0.3775% | 4,839 |
| Noninterest expense to average assets | 2.6522% | 4,613 |
| Loan and lease loss provision to assets | 0.0596% | 4,667 |
| Net operating income to assets | 1.0927% | 2,125 |
| Return on assets (ROA) | 1.0927% | 2,313 |
| Pretax return on assets | 1.0927% | 3,352 |
| Return on Equity (ROE) | 9.0321% | 2,811 |
| Retained earnings to average equity (ytd only) | 9.0321% | 1,581 |
| Net charge-offs to loans | 0.0508% | 3,992 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 38.6667% | 765 |
| Efficiency ratio | 69.7128% | 3,865 |
| Assets per employee ($millions) | 4.1656% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 6,303 |
| Loan loss allowance to noncurrent loans | 577.5000% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 4,973 |
| Noncurrent loans to loans | 0.1706% | 6,338 |
| Net loans and leases to total assets | 55.7303% | 4,432 |
| Net loans and leases to deposits | 63.3217% | 4,727 |
| Net loans and leases to core deposits | 65.8413% | 4,932 |
| Total domestic deposits to total assets | 88.0113% | 2,314 |
| Equity capital to assets | 11.8230% | 2,164 |
| Core capital (leverage) ratio | 11.8450% | 1,676 |
| Tier 1 risk-based capital ratio | 17.3111% | 2,547 |
| Total risk-based capital ratio | 18.1321% | 2,679 |
| Memoranda: | ||
| Average total assets | $40,268,000 | 6,674 |
| Average earning assets | $36,583,000 | 6,658 |
| Average equity | $4,871,500 | 6,465 |
| Average total loans | $23,620,500 | 6,439 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0267% | 2,773 |
| Cost of funding earning assets | 0.9145% | 4,012 |
| Net interest margin | 4.1122% | 2,379 |
| Noninterest income to average assets | 0.3429% | 5,074 |
| Noninterest expense to average assets | 2.4473% | 5,643 |
| Loan and lease loss provision to assets | 0.1021% | 5,311 |
| Net operating income to assets | 1.6464% | 609 |
| Return on assets (ROA) | 1.6464% | 649 |
| Pretax return on assets | 1.5836% | 1,247 |
| Return on Equity (ROE) | 12.9148% | 1,186 |
| Retained earnings to average equity (ytd only) | -1.1909% | 6,042 |
| Net charge-offs to loans | 0.0458% | 5,848 |
| Credit loss provision to net charge-offs | 354.5455% | 651 |
| Earnings coverage of net charge-offs (x) | 58.5455% | 489 |
| Efficiency ratio | 59.2147% | 5,864 |
| Assets per employee ($millions) | 3.8880% | 4,107 |
| Cash dividends to net income (ytd only)* | 109.2210% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 6,384 |
| Loan loss allowance to noncurrent loans | 137.5758% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.1908% | 4,255 |
| Noncurrent loans to loans | 0.6934% | 5,313 |
| Net loans and leases to total assets | 60.6173% | 3,868 |
| Net loans and leases to deposits | 69.3462% | 4,227 |
| Net loans and leases to core deposits | 69.8622% | 4,792 |
| Total domestic deposits to total assets | 87.4126% | 2,520 |
| Equity capital to assets | 12.3920% | 1,862 |
| Core capital (leverage) ratio | 12.0901% | 1,543 |
| Tier 1 risk-based capital ratio | 17.7248% | 2,294 |
| Total risk-based capital ratio | 18.5701% | 2,427 |
| Memoranda: | ||
| Average total assets | $38,205,200 | 6,736 |
| Average earning assets | $35,212,000 | 6,702 |
| Average equity | $4,870,400 | 6,486 |
| Average total loans | $24,017,800 | 6,466 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0602% | 2,804 |
| Cost of funding earning assets | 0.9266% | 4,223 |
| Net interest margin | 4.1336% | 2,335 |
| Noninterest income to average assets | 0.3400% | 5,138 |
| Noninterest expense to average assets | 2.3415% | 5,930 |
| Loan and lease loss provision to assets | 0.1262% | 4,851 |
| Net operating income to assets | 1.7877% | 532 |
| Return on assets (ROA) | 1.7877% | 579 |
| Pretax return on assets | 1.7036% | 1,142 |
| Return on Equity (ROE) | 13.9240% | 1,052 |
| Retained earnings to average equity (ytd only) | 6.4161% | 2,284 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1345% | 6,265 |
| Assets per employee ($millions) | 4.2382% | 3,381 |
| Cash dividends to net income (ytd only)* | 53.9222% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 6,329 |
| Loan loss allowance to noncurrent loans | 267.0455% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 1.0224% | 4,715 |
| Noncurrent loans to loans | 0.3698% | 6,115 |
| Net loans and leases to total assets | 61.7633% | 3,787 |
| Net loans and leases to deposits | 71.5840% | 4,050 |
| Net loans and leases to core deposits | 71.5840% | 4,763 |
| Total domestic deposits to total assets | 86.2809% | 3,051 |
| Equity capital to assets | 13.5198% | 1,361 |
| Core capital (leverage) ratio | 13.2300% | 1,136 |
| Tier 1 risk-based capital ratio | 18.8779% | 1,972 |
| Total risk-based capital ratio | 19.7557% | 2,049 |
| Memoranda: | ||
| Average total assets | $38,036,500 | 6,796 |
| Average earning assets | $35,255,000 | 6,762 |
| Average equity | $4,883,500 | 6,531 |
| Average total loans | $24,073,500 | 6,527 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0697% | 2,833 |
| Cost of funding earning assets | 0.9445% | 4,363 |
| Net interest margin | 4.1252% | 2,316 |
| Noninterest income to average assets | 0.3105% | 5,406 |
| Noninterest expense to average assets | 2.3947% | 5,862 |
| Loan and lease loss provision to assets | 0.1421% | 4,527 |
| Net operating income to assets | 1.5894% | 746 |
| Return on assets (ROA) | 1.5894% | 791 |
| Pretax return on assets | 1.5894% | 1,275 |
| Return on Equity (ROE) | 12.6035% | 1,309 |
| Retained earnings to average equity (ytd only) | 1.1268% | 5,412 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0357% | 6,157 |
| Assets per employee ($millions) | 4.1556% | 3,439 |
| Cash dividends to net income (ytd only)* | 91.0596% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 6,548 |
| Loan loss allowance to noncurrent loans | 286.0759% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 1.0187% | 4,840 |
| Noncurrent loans to loans | 0.3283% | 6,255 |
| Net loans and leases to total assets | 63.7380% | 3,522 |
| Net loans and leases to deposits | 73.5015% | 3,876 |
| Net loans and leases to core deposits | 73.5015% | 4,640 |
| Total domestic deposits to total assets | 86.7166% | 2,909 |
| Equity capital to assets | 13.0481% | 1,498 |
| Core capital (leverage) ratio | 12.4887% | 1,363 |
| Tier 1 risk-based capital ratio | 18.4754% | 2,019 |
| Total risk-based capital ratio | 19.3372% | 2,100 |
| Memoranda: | ||
| Average total assets | $38,000,670 | 6,859 |
| Average earning assets | $35,150,000 | 6,834 |
| Average equity | $4,792,330 | 6,604 |
| Average total loans | $24,166,670 | 6,584 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 3,006 |
| Cost of funding earning assets | 0.9569% | 4,516 |
| Net interest margin | 4.0639% | 2,414 |
| Noninterest income to average assets | 0.3342% | 5,231 |
| Noninterest expense to average assets | 2.4438% | 5,754 |
| Loan and lease loss provision to assets | 0.1567% | 4,069 |
| Net operating income to assets | 1.5039% | 866 |
| Return on assets (ROA) | 1.5039% | 910 |
| Pretax return on assets | 1.5039% | 1,435 |
| Return on Equity (ROE) | 12.1301% | 1,424 |
| Retained earnings to average equity (ytd only) | -11.0351% | 6,907 |
| Net charge-offs to loans | 0.0330% | 4,634 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 390 |
| Efficiency ratio | 59.5420% | 6,051 |
| Assets per employee ($millions) | 4.2960% | 3,256 |
| Cash dividends to net income (ytd only)* | 190.9722% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 6,710 |
| Loan loss allowance to noncurrent loans | 247.6744% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 1.0733% | 4,777 |
| Noncurrent loans to loans | 0.3615% | 6,270 |
| Net loans and leases to total assets | 60.9792% | 4,083 |
| Net loans and leases to deposits | 69.6082% | 4,409 |
| Net loans and leases to core deposits | 69.6082% | 5,099 |
| Total domestic deposits to total assets | 87.6035% | 2,611 |
| Equity capital to assets | 12.1431% | 1,833 |
| Core capital (leverage) ratio | 11.9913% | 1,576 |
| Tier 1 risk-based capital ratio | 18.1389% | 2,074 |
| Total risk-based capital ratio | 18.9630% | 2,184 |
| Memoranda: | ||
| Average total assets | $38,301,000 | 6,895 |
| Average earning assets | $35,532,000 | 6,858 |
| Average equity | $4,748,500 | 6,633 |
| Average total loans | $24,218,000 | 6,634 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7121% | 1,529 |
| Cost of funding earning assets | 1.2875% | 3,963 |
| Net interest margin | 4.4246% | 1,413 |
| Noninterest income to average assets | 0.3181% | 5,516 |
| Noninterest expense to average assets | 2.4755% | 5,878 |
| Loan and lease loss provision to assets | 0.0581% | 6,556 |
| Net operating income to assets | 1.6678% | 553 |
| Return on assets (ROA) | 1.6678% | 593 |
| Pretax return on assets | 1.8338% | 713 |
| Return on Equity (ROE) | 12.9560% | 1,100 |
| Retained earnings to average equity (ytd only) | 9.4109% | 618 |
| Net charge-offs to loans | 0.2146% | 5,005 |
| Credit loss provision to net charge-offs | 40.3846% | 6,384 |
| Earnings coverage of net charge-offs (x) | 13.1538% | 1,438 |
| Efficiency ratio | 56.6814% | 6,501 |
| Assets per employee ($millions) | 4.2153% | 3,362 |
| Cash dividends to net income (ytd only)* | 27.3632% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8074% | 6,952 |
| Loan loss allowance to noncurrent loans | 255.1282% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 1.0939% | 4,824 |
| Noncurrent loans to loans | 0.3165% | 6,422 |
| Net loans and leases to total assets | 64.4393% | 3,775 |
| Net loans and leases to deposits | 73.9720% | 4,196 |
| Net loans and leases to core deposits | 73.9720% | 4,980 |
| Total domestic deposits to total assets | 87.1132% | 2,760 |
| Equity capital to assets | 12.6575% | 1,548 |
| Core capital (leverage) ratio | 12.5790% | 1,279 |
| Tier 1 risk-based capital ratio | 18.3041% | 1,906 |
| Total risk-based capital ratio | 19.0601% | 2,022 |
| Memoranda: | ||
| Average total assets | $36,155,000 | 6,999 |
| Average earning assets | $33,087,800 | 6,980 |
| Average equity | $4,654,200 | 6,771 |
| Average total loans | $24,230,800 | 6,717 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8081% | 1,372 |
| Cost of funding earning assets | 1.3517% | 3,889 |
| Net interest margin | 4.4564% | 1,353 |
| Noninterest income to average assets | 0.3174% | 5,611 |
| Noninterest expense to average assets | 2.4046% | 6,022 |
| Loan and lease loss provision to assets | 0.0224% | 6,837 |
| Net operating income to assets | 1.7287% | 588 |
| Return on assets (ROA) | 1.7287% | 639 |
| Pretax return on assets | 1.9528% | 698 |
| Return on Equity (ROE) | 13.3699% | 1,165 |
| Retained earnings to average equity (ytd only) | 8.6051% | 1,200 |
| Net charge-offs to loans | 0.2653% | 4,357 |
| Credit loss provision to net charge-offs | 12.5000% | 6,314 |
| Earnings coverage of net charge-offs (x) | 11.0206% | 1,830 |
| Efficiency ratio | 54.9020% | 6,699 |
| Assets per employee ($millions) | 4.0564% | 3,724 |
| Cash dividends to net income (ytd only)* | 35.6363% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 7,044 |
| Loan loss allowance to noncurrent loans | 60.8414% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.8270% | 3,712 |
| Noncurrent loans to loans | 1.2821% | 4,715 |
| Net loans and leases to total assets | 65.5007% | 3,797 |
| Net loans and leases to deposits | 75.5927% | 4,247 |
| Net loans and leases to core deposits | 75.5927% | 5,112 |
| Total domestic deposits to total assets | 86.6495% | 2,718 |
| Equity capital to assets | 12.9889% | 1,577 |
| Core capital (leverage) ratio | 12.8991% | 1,266 |
| Tier 1 risk-based capital ratio | 18.2456% | 1,947 |
| Total risk-based capital ratio | 18.9789% | 2,066 |
| Memoranda: | ||
| Average total assets | $35,709,250 | 7,102 |
| Average earning assets | $32,551,250 | 7,080 |
| Average equity | $4,617,250 | 6,869 |
| Average total loans | $24,127,000 | 6,815 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7778% | 1,488 |
| Cost of funding earning assets | 1.3847% | 3,971 |
| Net interest margin | 4.3931% | 1,467 |
| Noninterest income to average assets | 0.3160% | 5,629 |
| Noninterest expense to average assets | 2.4716% | 5,827 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5518% | 814 |
| Return on assets (ROA) | 1.5518% | 869 |
| Pretax return on assets | 1.8904% | 747 |
| Return on Equity (ROE) | 12.0201% | 1,450 |
| Retained earnings to average equity (ytd only) | 12.0201% | 487 |
| Net charge-offs to loans | 0.3812% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 7.2826% | 2,326 |
| Efficiency ratio | 56.6624% | 6,551 |
| Assets per employee ($millions) | 3.9854% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7606% | 7,121 |
| Loan loss allowance to noncurrent loans | 222.8916% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 1.2992% | 4,552 |
| Noncurrent loans to loans | 0.3412% | 6,550 |
| Net loans and leases to total assets | 67.2949% | 3,555 |
| Net loans and leases to deposits | 77.9198% | 3,981 |
| Net loans and leases to core deposits | 77.9198% | 4,965 |
| Total domestic deposits to total assets | 86.3643% | 2,890 |
| Equity capital to assets | 13.1757% | 1,487 |
| Core capital (leverage) ratio | 13.0577% | 1,188 |
| Tier 1 risk-based capital ratio | 18.1478% | 1,921 |
| Total risk-based capital ratio | 18.8689% | 2,038 |
| Memoranda: | ||
| Average total assets | $35,443,000 | 7,161 |
| Average earning assets | $32,642,000 | 7,127 |
| Average equity | $4,575,670 | 6,912 |
| Average total loans | $24,135,670 | 6,856 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7086% | 1,743 |
| Cost of funding earning assets | 1.4455% | 3,905 |
| Net interest margin | 4.2631% | 1,810 |
| Noninterest income to average assets | 0.3633% | 5,232 |
| Noninterest expense to average assets | 2.4752% | 5,826 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1581% | 1,653 |
| Return on assets (ROA) | 1.1581% | 1,730 |
| Pretax return on assets | 1.8393% | 825 |
| Return on Equity (ROE) | 9.0657% | 2,473 |
| Retained earnings to average equity (ytd only) | 9.0657% | 1,385 |
| Net charge-offs to loans | 0.2828% | 3,279 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 9.5294% | 1,838 |
| Efficiency ratio | 57.3684% | 6,583 |
| Assets per employee ($millions) | 3.9569% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 6,900 |
| Loan loss allowance to noncurrent loans | 52.4631% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 1.9628% | 3,547 |
| Noncurrent loans to loans | 1.6779% | 4,230 |
| Net loans and leases to total assets | 67.3481% | 3,539 |
| Net loans and leases to deposits | 77.8095% | 4,080 |
| Net loans and leases to core deposits | 77.8095% | 5,045 |
| Total domestic deposits to total assets | 86.5551% | 2,869 |
| Equity capital to assets | 12.7906% | 1,604 |
| Core capital (leverage) ratio | 12.7008% | 1,327 |
| Tier 1 risk-based capital ratio | 17.7019% | 2,021 |
| Total risk-based capital ratio | 18.5429% | 2,112 |
| Memoranda: | ||
| Average total assets | $35,230,000 | 7,264 |
| Average earning assets | $32,652,500 | 7,215 |
| Average equity | $4,500,500 | 7,003 |
| Average total loans | $24,042,000 | 6,941 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2296% | 1,164 |
| Cost of funding earning assets | 1.8365% | 3,801 |
| Net interest margin | 4.3931% | 1,452 |
| Noninterest income to average assets | 0.3272% | 5,742 |
| Noninterest expense to average assets | 2.5150% | 6,076 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2312% | 1,173 |
| Return on assets (ROA) | 1.2736% | 1,145 |
| Pretax return on assets | 1.9221% | 486 |
| Return on Equity (ROE) | 10.2569% | 1,617 |
| Retained earnings to average equity (ytd only) | 7.6691% | 786 |
| Net charge-offs to loans | 0.0385% | 6,732 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 70.6667% | 385 |
| Efficiency ratio | 57.5150% | 6,830 |
| Assets per employee ($millions) | 4.3560% | 3,180 |
| Cash dividends to net income (ytd only)* | 25.2294% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 6,567 |
| Loan loss allowance to noncurrent loans | 120.4188% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 1.4778% | 4,171 |
| Noncurrent loans to loans | 0.7996% | 5,684 |
| Net loans and leases to total assets | 67.8862% | 3,730 |
| Net loans and leases to deposits | 78.2955% | 4,315 |
| Net loans and leases to core deposits | 94.3675% | 4,640 |
| Total domestic deposits to total assets | 86.7051% | 2,653 |
| Equity capital to assets | 12.7583% | 1,614 |
| Core capital (leverage) ratio | 12.6352% | 1,389 |
| Tier 1 risk-based capital ratio | 17.5953% | 1,998 |
| Total risk-based capital ratio | 18.5193% | 2,047 |
| Memoranda: | ||
| Average total assets | $34,234,200 | 7,314 |
| Average earning assets | $31,526,800 | 7,288 |
| Average equity | $4,250,800 | 7,192 |
| Average total loans | $23,370,400 | 7,005 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2746% | 1,189 |
| Cost of funding earning assets | 1.9172% | 3,786 |
| Net interest margin | 4.3574% | 1,571 |
| Noninterest income to average assets | 0.3756% | 5,505 |
| Noninterest expense to average assets | 2.4021% | 6,413 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2231% | 1,409 |
| Return on assets (ROA) | 1.2206% | 1,476 |
| Pretax return on assets | 1.9796% | 566 |
| Return on Equity (ROE) | 9.8998% | 1,954 |
| Retained earnings to average equity (ytd only) | 6.4096% | 1,759 |
| Net charge-offs to loans | 0.0459% | 6,266 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 63.3533% | 516 |
| Efficiency ratio | 54.7725% | 7,150 |
| Assets per employee ($millions) | 4.2610% | 3,271 |
| Cash dividends to net income (ytd only)* | 35.2557% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 6,450 |
| Loan loss allowance to noncurrent loans | 69.3694% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.7132% | 3,807 |
| Noncurrent loans to loans | 1.3962% | 4,580 |
| Net loans and leases to total assets | 69.2912% | 3,657 |
| Net loans and leases to deposits | 80.0054% | 4,383 |
| Net loans and leases to core deposits | 98.2693% | 4,572 |
| Total domestic deposits to total assets | 86.6082% | 2,373 |
| Equity capital to assets | 12.7288% | 1,814 |
| Core capital (leverage) ratio | 12.2981% | 1,664 |
| Tier 1 risk-based capital ratio | 16.9164% | 2,304 |
| Total risk-based capital ratio | 17.8346% | 2,354 |
| Memoranda: | ||
| Average total assets | $34,080,750 | 7,379 |
| Average earning assets | $31,363,750 | 7,356 |
| Average equity | $4,202,000 | 7,280 |
| Average total loans | $23,241,250 | 7,078 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2182% | 1,403 |
| Cost of funding earning assets | 1.9747% | 3,894 |
| Net interest margin | 4.2434% | 1,836 |
| Noninterest income to average assets | 0.3756% | 5,502 |
| Noninterest expense to average assets | 2.3182% | 6,714 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2266% | 1,413 |
| Return on assets (ROA) | 1.2266% | 1,487 |
| Pretax return on assets | 1.9543% | 625 |
| Return on Equity (ROE) | 10.0569% | 2,001 |
| Retained earnings to average equity (ytd only) | 4.7638% | 2,659 |
| Net charge-offs to loans | 0.0868% | 5,337 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 33.3000% | 928 |
| Efficiency ratio | 54.2582% | 7,305 |
| Assets per employee ($millions) | 4.3306% | 3,056 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 6,443 |
| Loan loss allowance to noncurrent loans | 72.9299% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.6077% | 3,804 |
| Noncurrent loans to loans | 1.3305% | 4,552 |
| Net loans and leases to total assets | 67.4585% | 4,261 |
| Net loans and leases to deposits | 77.1422% | 5,012 |
| Net loans and leases to core deposits | 94.7038% | 5,039 |
| Total domestic deposits to total assets | 87.4470% | 2,033 |
| Equity capital to assets | 12.0335% | 2,186 |
| Core capital (leverage) ratio | 11.9918% | 1,831 |
| Tier 1 risk-based capital ratio | 16.5676% | 2,427 |
| Total risk-based capital ratio | 17.4812% | 2,488 |
| Memoranda: | ||
| Average total assets | $34,078,330 | 7,447 |
| Average earning assets | $31,295,330 | 7,426 |
| Average equity | $4,156,330 | 7,361 |
| Average total loans | $23,038,000 | 7,146 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2689% | 1,389 |
| Cost of funding earning assets | 2.0637% | 3,814 |
| Net interest margin | 4.2052% | 1,876 |
| Noninterest income to average assets | 0.4261% | 4,994 |
| Noninterest expense to average assets | 2.2844% | 6,590 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2310% | 1,562 |
| Return on assets (ROA) | 1.2310% | 1,672 |
| Pretax return on assets | 1.9766% | 695 |
| Return on Equity (ROE) | 10.0241% | 2,309 |
| Retained earnings to average equity (ytd only) | 10.0241% | 1,190 |
| Net charge-offs to loans | 0.1055% | 4,121 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 27.8333% | 1,121 |
| Efficiency ratio | 53.6111% | 7,259 |
| Assets per employee ($millions) | 4.3066% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,116 |
| Loan loss allowance to noncurrent loans | 85.3480% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.4977% | 3,685 |
| Noncurrent loans to loans | 1.1820% | 4,611 |
| Net loans and leases to total assets | 66.3629% | 4,494 |
| Net loans and leases to deposits | 76.2769% | 5,183 |
| Net loans and leases to core deposits | 93.8472% | 5,170 |
| Total domestic deposits to total assets | 87.0026% | 2,214 |
| Equity capital to assets | 12.1992% | 2,139 |
| Core capital (leverage) ratio | 12.1564% | 1,836 |
| Tier 1 risk-based capital ratio | 17.3216% | 2,239 |
| Total risk-based capital ratio | 18.2924% | 2,261 |
| Memoranda: | ||
| Average total assets | $33,795,000 | 7,497 |
| Average earning assets | $30,819,000 | 7,485 |
| Average equity | $4,150,000 | 7,397 |
| Average total loans | $22,757,000 | 7,196 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5282% | 2,822 |
| Cost of funding earning assets | 2.3483% | 4,934 |
| Net interest margin | 4.1800% | 2,390 |
| Noninterest income to average assets | 0.4270% | 5,239 |
| Noninterest expense to average assets | 2.3088% | 6,672 |
| Loan and lease loss provision to assets | 0.0177% | 7,165 |
| Net operating income to assets | 1.2869% | 1,520 |
| Return on assets (ROA) | 1.2869% | 1,473 |
| Pretax return on assets | 1.9848% | 629 |
| Return on Equity (ROE) | 10.5607% | 2,067 |
| Retained earnings to average equity (ytd only) | -7.0565% | 6,790 |
| Net charge-offs to loans | 0.1142% | 5,120 |
| Credit loss provision to net charge-offs | 24.0000% | 6,565 |
| Earnings coverage of net charge-offs (x) | 27.2000% | 1,253 |
| Efficiency ratio | 53.5519% | 7,322 |
| Assets per employee ($millions) | 4.1421% | 3,226 |
| Cash dividends to net income (ytd only)* | 166.8192% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 5,510 |
| Loan loss allowance to noncurrent loans | 106.2222% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.3369% | 3,541 |
| Noncurrent loans to loans | 1.0037% | 4,583 |
| Net loans and leases to total assets | 66.9282% | 4,653 |
| Net loans and leases to deposits | 77.0471% | 5,466 |
| Net loans and leases to core deposits | 92.6477% | 5,571 |
| Total domestic deposits to total assets | 86.8666% | 1,999 |
| Equity capital to assets | 12.3638% | 2,079 |
| Core capital (leverage) ratio | 11.9050% | 2,022 |
| Tier 1 risk-based capital ratio | 17.5612% | 2,163 |
| Total risk-based capital ratio | 18.5965% | 2,175 |
| Memoranda: | ||
| Average total assets | $33,957,400 | 7,463 |
| Average earning assets | $31,555,400 | 7,432 |
| Average equity | $4,138,000 | 7,456 |
| Average total loans | $21,886,600 | 7,200 |