Home > New Century Bank > Performance and Condition Ratios
New Century 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 | 9.6745% | 79 |
| Cost of funding earning assets | 1.6996% | 1,459 |
| Net interest margin | 7.9749% | 33 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 4.9626% | 231 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.9889% | 163 |
| Return on assets (ROA) | 2.9943% | 160 |
| Pretax return on assets | 3.1209% | 182 |
| Return on Equity (ROE) | 18.7900% | 729 |
| Retained earnings to average equity (ytd only) | 7.0455% | 1,885 |
| Net charge-offs to loans | 0.0068% | 2,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 557.6667% | 267 |
| Efficiency ratio | 61.4338% | 2,914 |
| Assets per employee ($millions) | 2.7651% | 4,412 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 581 |
| Loan loss allowance to noncurrent loans | 85.8242% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.7321% | 193 |
| Noncurrent loans to loans | 2.0469% | 270 |
| Net loans and leases to total assets | 83.1400% | 332 |
| Net loans and leases to deposits | 104.0796% | 354 |
| Net loans and leases to core deposits | 125.3393% | 501 |
| Total domestic deposits to total assets | 79.8800% | 3,484 |
| Equity capital to assets | 16.7314% | 403 |
| Core capital (leverage) ratio | 16.7272% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0735% | 424 |
| Memoranda: | ||
| Average total assets | $53,702,200 | 4,276 |
| Average earning assets | $49,129,000 | 4,262 |
| Average equity | $8,558,600 | 3,870 |
| Average total loans | $44,171,600 | 3,930 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5161% | 75 |
| Cost of funding earning assets | 1.5649% | 1,443 |
| Net interest margin | 7.9513% | 31 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 4.8531% | 235 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.0362% | 171 |
| Return on assets (ROA) | 3.0409% | 173 |
| Pretax return on assets | 3.1645% | 206 |
| Return on Equity (ROE) | 19.2900% | 793 |
| Retained earnings to average equity (ytd only) | 9.8028% | 1,461 |
| Net charge-offs to loans | 0.0091% | 2,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 426.0000% | 344 |
| Efficiency ratio | 60.5677% | 2,903 |
| Assets per employee ($millions) | 2.8549% | 4,421 |
| Cash dividends to net income (ytd only)* | 49.1870% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9537% | 427 |
| Loan loss allowance to noncurrent loans | 113.7795% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.4828% | 253 |
| Noncurrent loans to loans | 1.7171% | 390 |
| Net loans and leases to total assets | 84.6700% | 233 |
| Net loans and leases to deposits | 106.7390% | 280 |
| Net loans and leases to core deposits | 123.7521% | 464 |
| Total domestic deposits to total assets | 79.3200% | 3,633 |
| Equity capital to assets | 17.1496% | 388 |
| Core capital (leverage) ratio | 16.9611% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6203% | 400 |
| Memoranda: | ||
| Average total assets | $53,930,000 | 4,291 |
| Average earning assets | $49,332,500 | 4,282 |
| Average equity | $8,500,750 | 3,881 |
| Average total loans | $44,100,000 | 3,944 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2292% | 74 |
| Cost of funding earning assets | 1.4503% | 1,335 |
| Net interest margin | 7.7789% | 36 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 4.6881% | 244 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.9504% | 159 |
| Return on assets (ROA) | 2.9574% | 156 |
| Pretax return on assets | 3.0706% | 190 |
| Return on Equity (ROE) | 19.2900% | 792 |
| Retained earnings to average equity (ytd only) | 4.8829% | 2,968 |
| Net charge-offs to loans | 0.0091% | 1,865 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 419.5000% | 346 |
| Efficiency ratio | 60.4805% | 2,896 |
| Assets per employee ($millions) | 2.7529% | 4,465 |
| Cash dividends to net income (ytd only)* | 74.6914% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0605% | 376 |
| Loan loss allowance to noncurrent loans | 113.7795% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.4568% | 249 |
| Noncurrent loans to loans | 1.8109% | 332 |
| Net loans and leases to total assets | 78.7900% | 758 |
| Net loans and leases to deposits | 97.8256% | 618 |
| Net loans and leases to core deposits | 113.3790% | 702 |
| Total domestic deposits to total assets | 80.5400% | 3,494 |
| Equity capital to assets | 16.0463% | 442 |
| Core capital (leverage) ratio | 15.5147% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8912% | 434 |
| Memoranda: | ||
| Average total assets | $54,777,000 | 4,304 |
| Average earning assets | $50,058,667 | 4,294 |
| Average equity | $8,396,667 | 3,919 |
| Average total loans | $44,007,667 | 3,956 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9578% | 38 |
| Cost of funding earning assets | 1.2786% | 1,277 |
| Net interest margin | 7.6792% | 32 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 4.6204% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.0067% | 154 |
| Return on assets (ROA) | 3.0136% | 152 |
| Pretax return on assets | 3.1064% | 182 |
| Return on Equity (ROE) | 20.1000% | 753 |
| Retained earnings to average equity (ytd only) | 20.0988% | 371 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.8520% | 2,974 |
| Assets per employee ($millions) | 3.0104% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9421% | 490 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 76.7100% | 907 |
| Net loans and leases to deposits | 93.7201% | 805 |
| Net loans and leases to core deposits | 104.9289% | 879 |
| Total domestic deposits to total assets | 81.8500% | 3,503 |
| Equity capital to assets | 15.0532% | 478 |
| Core capital (leverage) ratio | 14.2644% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3503% | 482 |
| Memoranda: | ||
| Average total assets | $56,013,000 | 4,353 |
| Average earning assets | $51,307,500 | 4,338 |
| Average equity | $8,398,500 | 3,967 |
| Average total loans | $44,972,500 | 3,980 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6674% | 33 |
| Cost of funding earning assets | 0.8937% | 261 |
| Net interest margin | 6.7736% | 36 |
| Noninterest income to average assets | 1.1800% | 488 |
| Noninterest expense to average assets | 4.6467% | 248 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.7824% | 123 |
| Return on assets (ROA) | 2.7873% | 117 |
| Pretax return on assets | 2.9241% | 136 |
| Return on Equity (ROE) | 20.4900% | 435 |
| Retained earnings to average equity (ytd only) | 9.0368% | 1,469 |
| Net charge-offs to loans | 0.0255% | 1,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 140.5000% | 825 |
| Efficiency ratio | 61.4188% | 2,851 |
| Assets per employee ($millions) | 2.8857% | 4,542 |
| Cash dividends to net income (ytd only)* | 55.9006% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9226% | 502 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 80.8500% | 511 |
| Net loans and leases to deposits | 98.8847% | 484 |
| Net loans and leases to core deposits | 113.6372% | 497 |
| Total domestic deposits to total assets | 81.7700% | 3,654 |
| Equity capital to assets | 14.9319% | 477 |
| Core capital (leverage) ratio | 14.2492% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5728% | 511 |
| Memoranda: | ||
| Average total assets | $57,761,000 | 4,361 |
| Average earning assets | $54,490,600 | 4,329 |
| Average equity | $7,856,800 | 4,116 |
| Average total loans | $47,127,600 | 3,942 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4280% | 32 |
| Cost of funding earning assets | 0.8451% | 130 |
| Net interest margin | 6.5828% | 36 |
| Noninterest income to average assets | 1.3500% | 405 |
| Noninterest expense to average assets | 4.6704% | 235 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.7948% | 118 |
| Return on assets (ROA) | 2.8014% | 115 |
| Pretax return on assets | 2.9153% | 149 |
| Return on Equity (ROE) | 21.0800% | 348 |
| Retained earnings to average equity (ytd only) | 10.7875% | 1,107 |
| Net charge-offs to loans | -0.0084% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.6241% | 2,876 |
| Assets per employee ($millions) | 2.8621% | 4,585 |
| Cash dividends to net income (ytd only)* | 48.8202% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9123% | 585 |
| Loan loss allowance to noncurrent loans | 261.5385% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 898 |
| Noncurrent loans to loans | 0.7312% | 1,115 |
| Net loans and leases to total assets | 79.2100% | 599 |
| Net loans and leases to deposits | 96.1165% | 550 |
| Net loans and leases to core deposits | 108.4451% | 519 |
| Total domestic deposits to total assets | 82.4100% | 3,768 |
| Equity capital to assets | 14.1609% | 552 |
| Core capital (leverage) ratio | 13.8697% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9777% | 569 |
| Memoranda: | ||
| Average total assets | $58,494,000 | 4,385 |
| Average earning assets | $55,375,000 | 4,358 |
| Average equity | $7,774,250 | 4,164 |
| Average total loans | $47,609,500 | 3,957 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1843% | 32 |
| Cost of funding earning assets | 0.8287% | 86 |
| Net interest margin | 6.3556% | 40 |
| Noninterest income to average assets | 1.5209% | 332 |
| Noninterest expense to average assets | 4.7495% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.7365% | 86 |
| Return on assets (ROA) | 2.7397% | 81 |
| Pretax return on assets | 2.8416% | 116 |
| Return on Equity (ROE) | 21.0604% | 243 |
| Retained earnings to average equity (ytd only) | 5.4021% | 2,555 |
| Net charge-offs to loans | -0.0125% | 3,670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5951% | 2,967 |
| Assets per employee ($millions) | 2.9913% | 4,626 |
| Cash dividends to net income (ytd only)* | 74.3494% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8507% | 737 |
| Loan loss allowance to noncurrent loans | 2,055.8140% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 3,257 |
| Noncurrent loans to loans | 0.0900% | 3,321 |
| Net loans and leases to total assets | 78.3652% | 529 |
| Net loans and leases to deposits | 93.4500% | 544 |
| Net loans and leases to core deposits | 104.6030% | 488 |
| Total domestic deposits to total assets | 83.8579% | 3,708 |
| Equity capital to assets | 12.8458% | 690 |
| Core capital (leverage) ratio | 12.9757% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2726% | 682 |
| Memoranda: | ||
| Average total assets | $58,911,333 | 4,426 |
| Average earning assets | $56,234,000 | 4,397 |
| Average equity | $7,663,667 | 4,240 |
| Average total loans | $48,070,667 | 3,992 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7176% | 43 |
| Cost of funding earning assets | 0.8379% | 69 |
| Net interest margin | 5.8797% | 52 |
| Noninterest income to average assets | 1.6697% | 304 |
| Noninterest expense to average assets | 4.8243% | 182 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.4019% | 133 |
| Return on assets (ROA) | 2.4019% | 130 |
| Pretax return on assets | 2.4635% | 189 |
| Return on Equity (ROE) | 18.3457% | 310 |
| Retained earnings to average equity (ytd only) | 18.3457% | 132 |
| Net charge-offs to loans | -0.0332% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1972% | 2,745 |
| Assets per employee ($millions) | 2.8775% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8936% | 751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 75.8771% | 516 |
| Net loans and leases to deposits | 90.6361% | 476 |
| Net loans and leases to core deposits | 101.3170% | 464 |
| Total domestic deposits to total assets | 83.7162% | 3,822 |
| Equity capital to assets | 12.9559% | 696 |
| Core capital (leverage) ratio | 13.3212% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5792% | 456 |
| Memoranda: | ||
| Average total assets | $58,454,500 | 4,459 |
| Average earning assets | $55,853,000 | 4,428 |
| Average equity | $7,653,000 | 4,300 |
| Average total loans | $48,223,000 | 4,002 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2189% | 36 |
| Cost of funding earning assets | 0.9956% | 75 |
| Net interest margin | 6.2233% | 47 |
| Noninterest income to average assets | 1.6948% | 402 |
| Noninterest expense to average assets | 4.5262% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.9941% | 102 |
| Return on assets (ROA) | 3.0022% | 103 |
| Pretax return on assets | 3.1291% | 127 |
| Return on Equity (ROE) | 25.3253% | 119 |
| Retained earnings to average equity (ytd only) | 16.4079% | 151 |
| Net charge-offs to loans | 0.0798% | 1,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 46.1250% | 1,348 |
| Efficiency ratio | 59.1904% | 3,271 |
| Assets per employee ($millions) | 2.6896% | 4,728 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7723% | 914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 86.4521% | 52 |
| Net loans and leases to deposits | 104.0199% | 130 |
| Net loans and leases to core deposits | 118.0899% | 177 |
| Total domestic deposits to total assets | 83.1111% | 3,783 |
| Equity capital to assets | 13.2381% | 839 |
| Core capital (leverage) ratio | 12.9219% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8981% | 665 |
| Memoranda: | ||
| Average total assets | $59,123,000 | 4,467 |
| Average earning assets | $56,546,000 | 4,435 |
| Average equity | $7,008,800 | 4,419 |
| Average total loans | $50,125,000 | 3,991 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1598% | 37 |
| Cost of funding earning assets | 1.0188% | 80 |
| Net interest margin | 6.1410% | 49 |
| Noninterest income to average assets | 1.7440% | 417 |
| Noninterest expense to average assets | 4.3958% | 227 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 3.1070% | 112 |
| Return on assets (ROA) | 3.1156% | 115 |
| Pretax return on assets | 3.2316% | 141 |
| Return on Equity (ROE) | 27.0268% | 125 |
| Retained earnings to average equity (ytd only) | 19.7719% | 140 |
| Net charge-offs to loans | 0.1088% | 699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 35.2439% | 1,445 |
| Efficiency ratio | 57.6991% | 3,318 |
| Assets per employee ($millions) | 2.7689% | 4,792 |
| Cash dividends to net income (ytd only)* | 26.8432% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 1,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 84.6008% | 100 |
| Net loans and leases to deposits | 101.1723% | 200 |
| Net loans and leases to core deposits | 115.6561% | 232 |
| Total domestic deposits to total assets | 83.6205% | 3,556 |
| Equity capital to assets | 12.6406% | 1,110 |
| Core capital (leverage) ratio | 12.4881% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1890% | 675 |
| Memoranda: | ||
| Average total assets | $59,783,500 | 4,512 |
| Average earning assets | $57,188,000 | 4,483 |
| Average equity | $6,891,750 | 4,495 |
| Average total loans | $50,228,750 | 4,049 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3124% | 37 |
| Cost of funding earning assets | 1.0441% | 90 |
| Net interest margin | 6.2682% | 52 |
| Noninterest income to average assets | 1.8664% | 367 |
| Noninterest expense to average assets | 4.3461% | 234 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 3.3751% | 99 |
| Return on assets (ROA) | 3.3814% | 100 |
| Pretax return on assets | 3.5174% | 119 |
| Return on Equity (ROE) | 30.2716% | 93 |
| Retained earnings to average equity (ytd only) | 19.1423% | 183 |
| Net charge-offs to loans | 0.0994% | 740 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 42.3600% | 1,134 |
| Efficiency ratio | 55.3165% | 3,623 |
| Assets per employee ($millions) | 3.1499% | 4,758 |
| Cash dividends to net income (ytd only)* | 36.7647% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7943% | 892 |
| Loan loss allowance to noncurrent loans | 604.7297% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 2,694 |
| Noncurrent loans to loans | 0.2967% | 2,866 |
| Net loans and leases to total assets | 81.8460% | 227 |
| Net loans and leases to deposits | 96.5963% | 366 |
| Net loans and leases to core deposits | 110.3815% | 349 |
| Total domestic deposits to total assets | 84.7299% | 3,206 |
| Equity capital to assets | 11.6510% | 1,548 |
| Core capital (leverage) ratio | 11.4945% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6276% | 865 |
| Memoranda: | ||
| Average total assets | $60,329,333 | 4,537 |
| Average earning assets | $57,655,667 | 4,505 |
| Average equity | $6,739,000 | 4,537 |
| Average total loans | $50,281,000 | 4,079 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5272% | 32 |
| Cost of funding earning assets | 1.1090% | 80 |
| Net interest margin | 6.4182% | 47 |
| Noninterest income to average assets | 2.0340% | 365 |
| Noninterest expense to average assets | 4.2530% | 240 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.8897% | 88 |
| Return on assets (ROA) | 3.8897% | 93 |
| Pretax return on assets | 3.8964% | 111 |
| Return on Equity (ROE) | 35.5784% | 82 |
| Retained earnings to average equity (ytd only) | 35.5784% | 51 |
| Net charge-offs to loans | 0.1664% | 487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 28.0952% | 1,121 |
| Efficiency ratio | 52.1880% | 3,975 |
| Assets per employee ($millions) | 2.9031% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 848 |
| Loan loss allowance to noncurrent loans | 1,022.7273% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 3,453 |
| Noncurrent loans to loans | 0.1776% | 3,470 |
| Net loans and leases to total assets | 79.8163% | 344 |
| Net loans and leases to deposits | 93.3042% | 528 |
| Net loans and leases to core deposits | 105.2358% | 536 |
| Total domestic deposits to total assets | 85.5442% | 2,912 |
| Equity capital to assets | 11.3442% | 1,628 |
| Core capital (leverage) ratio | 11.3578% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7631% | 960 |
| Memoranda: | ||
| Average total assets | $60,569,500 | 4,549 |
| Average earning assets | $57,710,500 | 4,523 |
| Average equity | $6,622,000 | 4,571 |
| Average total loans | $50,482,000 | 4,091 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0383% | 43 |
| Cost of funding earning assets | 1.5741% | 55 |
| Net interest margin | 5.4642% | 65 |
| Noninterest income to average assets | 0.8736% | 1,337 |
| Noninterest expense to average assets | 4.4492% | 262 |
| Loan and lease loss provision to assets | 0.2387% | 1,630 |
| Net operating income to assets | 1.3611% | 1,105 |
| Return on assets (ROA) | 1.3659% | 1,185 |
| Pretax return on assets | 1.3925% | 1,680 |
| Return on Equity (ROE) | 13.6361% | 899 |
| Retained earnings to average equity (ytd only) | 8.6715% | 861 |
| Net charge-offs to loans | 0.1681% | 989 |
| Credit loss provision to net charge-offs | 163.6364% | 2,351 |
| Earnings coverage of net charge-offs (x) | 11.1477% | 2,414 |
| Efficiency ratio | 73.2333% | 1,536 |
| Assets per employee ($millions) | 3.1671% | 4,768 |
| Cash dividends to net income (ytd only)* | 36.4078% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 878 |
| Loan loss allowance to noncurrent loans | 1,022.2222% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 3,358 |
| Noncurrent loans to loans | 0.1751% | 3,585 |
| Net loans and leases to total assets | 83.8967% | 178 |
| Net loans and leases to deposits | 96.9783% | 505 |
| Net loans and leases to core deposits | 111.8040% | 462 |
| Total domestic deposits to total assets | 86.5108% | 2,141 |
| Equity capital to assets | 10.5162% | 2,660 |
| Core capital (leverage) ratio | 10.3857% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6923% | 1,107 |
| Memoranda: | ||
| Average total assets | $60,325,200 | 4,510 |
| Average earning assets | $57,428,400 | 4,476 |
| Average equity | $6,042,800 | 4,641 |
| Average total loans | $52,342,000 | 4,062 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1300% | 43 |
| Cost of funding earning assets | 1.6504% | 57 |
| Net interest margin | 5.4796% | 78 |
| Noninterest income to average assets | 0.8924% | 1,248 |
| Noninterest expense to average assets | 4.6031% | 237 |
| Loan and lease loss provision to assets | 0.2386% | 1,700 |
| Net operating income to assets | 1.2635% | 1,439 |
| Return on assets (ROA) | 1.2679% | 1,543 |
| Pretax return on assets | 1.2767% | 2,134 |
| Return on Equity (ROE) | 12.8161% | 1,167 |
| Retained earnings to average equity (ytd only) | 8.3506% | 1,193 |
| Net charge-offs to loans | 0.2333% | 655 |
| Credit loss provision to net charge-offs | 117.3913% | 2,508 |
| Earnings coverage of net charge-offs (x) | 7.4348% | 2,574 |
| Efficiency ratio | 75.2890% | 1,271 |
| Assets per employee ($millions) | 3.3709% | 4,715 |
| Cash dividends to net income (ytd only)* | 34.8432% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6850% | 917 |
| Loan loss allowance to noncurrent loans | 957.6087% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 3,502 |
| Noncurrent loans to loans | 0.1760% | 3,676 |
| Net loans and leases to total assets | 84.7158% | 227 |
| Net loans and leases to deposits | 97.7689% | 639 |
| Net loans and leases to core deposits | 112.1699% | 624 |
| Total domestic deposits to total assets | 86.6490% | 1,798 |
| Equity capital to assets | 10.1801% | 3,083 |
| Core capital (leverage) ratio | 10.3248% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4936% | 1,375 |
| Memoranda: | ||
| Average total assets | $60,363,000 | 4,527 |
| Average earning assets | $57,520,500 | 4,490 |
| Average equity | $5,971,500 | 4,667 |
| Average total loans | $52,576,500 | 4,077 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0910% | 58 |
| Cost of funding earning assets | 1.7239% | 69 |
| Net interest margin | 5.3671% | 103 |
| Noninterest income to average assets | 0.8331% | 1,337 |
| Noninterest expense to average assets | 4.6931% | 228 |
| Loan and lease loss provision to assets | 0.2390% | 1,761 |
| Net operating income to assets | 1.0555% | 2,126 |
| Return on assets (ROA) | 1.0555% | 2,259 |
| Pretax return on assets | 1.0057% | 3,008 |
| Return on Equity (ROE) | 10.7742% | 1,714 |
| Retained earnings to average equity (ytd only) | 3.9980% | 2,909 |
| Net charge-offs to loans | 0.2278% | 681 |
| Credit loss provision to net charge-offs | 120.0000% | 2,280 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,455 |
| Efficiency ratio | 79.0386% | 960 |
| Assets per employee ($millions) | 2.9910% | 4,857 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 834 |
| Loan loss allowance to noncurrent loans | 851.4563% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.9228% | 1,329 |
| Noncurrent loans to loans | 0.1984% | 3,665 |
| Net loans and leases to total assets | 85.3424% | 169 |
| Net loans and leases to deposits | 97.9960% | 657 |
| Net loans and leases to core deposits | 111.5552% | 685 |
| Total domestic deposits to total assets | 87.0877% | 1,581 |
| Equity capital to assets | 9.8999% | 3,286 |
| Core capital (leverage) ratio | 9.6895% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0477% | 1,795 |
| Memoranda: | ||
| Average total assets | $60,258,333 | 4,539 |
| Average earning assets | $57,312,000 | 4,505 |
| Average equity | $5,903,000 | 4,700 |
| Average total loans | $52,674,000 | 4,087 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0710% | 61 |
| Cost of funding earning assets | 1.7782% | 94 |
| Net interest margin | 5.2928% | 129 |
| Noninterest income to average assets | 0.8598% | 1,148 |
| Noninterest expense to average assets | 4.5504% | 290 |
| Loan and lease loss provision to assets | 0.2381% | 1,303 |
| Net operating income to assets | 1.1839% | 1,570 |
| Return on assets (ROA) | 1.1839% | 1,687 |
| Pretax return on assets | 1.1111% | 2,476 |
| Return on Equity (ROE) | 12.1490% | 1,066 |
| Retained earnings to average equity (ytd only) | 12.1490% | 408 |
| Net charge-offs to loans | 0.2036% | 676 |
| Credit loss provision to net charge-offs | 133.3333% | 1,648 |
| Earnings coverage of net charge-offs (x) | 7.5556% | 1,914 |
| Efficiency ratio | 77.1300% | 1,445 |
| Assets per employee ($millions) | 3.0060% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 952 |
| Loan loss allowance to noncurrent loans | 153.8732% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.9797% | 1,353 |
| Noncurrent loans to loans | 1.0728% | 1,553 |
| Net loans and leases to total assets | 86.6165% | 114 |
| Net loans and leases to deposits | 100.6105% | 514 |
| Net loans and leases to core deposits | 114.8374% | 629 |
| Total domestic deposits to total assets | 86.0909% | 1,965 |
| Equity capital to assets | 9.9519% | 3,833 |
| Core capital (leverage) ratio | 9.9823% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7763% | 1,981 |
| Memoranda: | ||
| Average total assets | $60,478,000 | 4,551 |
| Average earning assets | $57,587,500 | 4,517 |
| Average equity | $5,893,500 | 4,735 |
| Average total loans | $53,047,000 | 4,092 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5168% | 54 |
| Cost of funding earning assets | 1.8960% | 93 |
| Net interest margin | 5.6208% | 99 |
| Noninterest income to average assets | 1.1176% | 759 |
| Noninterest expense to average assets | 4.3928% | 340 |
| Loan and lease loss provision to assets | 0.3961% | 365 |
| Net operating income to assets | 1.5703% | 895 |
| Return on assets (ROA) | 1.6385% | 804 |
| Pretax return on assets | 1.7480% | 1,073 |
| Return on Equity (ROE) | 17.0682% | 412 |
| Retained earnings to average equity (ytd only) | 3.5120% | 3,252 |
| Net charge-offs to loans | 0.1310% | 1,458 |
| Credit loss provision to net charge-offs | 350.7463% | 793 |
| Earnings coverage of net charge-offs (x) | 18.3433% | 2,063 |
| Efficiency ratio | 67.9531% | 2,465 |
| Assets per employee ($millions) | 3.0419% | 4,807 |
| Cash dividends to net income (ytd only)* | 79.4239% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 924 |
| Loan loss allowance to noncurrent loans | 144.0000% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 1,219 |
| Noncurrent loans to loans | 1.1289% | 1,341 |
| Net loans and leases to total assets | 85.9395% | 169 |
| Net loans and leases to deposits | 98.2634% | 736 |
| Net loans and leases to core deposits | 111.4990% | 775 |
| Total domestic deposits to total assets | 87.4583% | 1,382 |
| Equity capital to assets | 9.5402% | 4,318 |
| Core capital (leverage) ratio | 9.5719% | 3,989 |
| Tier 1 risk-based capital ratio | 11.2244% | 4,765 |
| Total risk-based capital ratio | 12.4795% | 4,659 |
| Memoranda: | ||
| Average total assets | $59,324,200 | 4,604 |
| Average earning assets | $56,433,400 | 4,582 |
| Average equity | $5,694,800 | 4,797 |
| Average total loans | $51,133,200 | 4,157 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5701% | 53 |
| Cost of funding earning assets | 1.8937% | 102 |
| Net interest margin | 5.6764% | 90 |
| Noninterest income to average assets | 1.1310% | 711 |
| Noninterest expense to average assets | 4.2976% | 363 |
| Loan and lease loss provision to assets | 0.4501% | 279 |
| Net operating income to assets | 1.6659% | 797 |
| Return on assets (ROA) | 1.7552% | 710 |
| Pretax return on assets | 1.8683% | 940 |
| Return on Equity (ROE) | 18.2557% | 371 |
| Retained earnings to average equity (ytd only) | 0.0940% | 4,741 |
| Net charge-offs to loans | 0.1870% | 921 |
| Credit loss provision to net charge-offs | 280.2817% | 999 |
| Earnings coverage of net charge-offs (x) | 13.8457% | 2,268 |
| Efficiency ratio | 65.9036% | 2,740 |
| Assets per employee ($millions) | 2.8442% | 4,957 |
| Cash dividends to net income (ytd only)* | 99.4848% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 950 |
| Loan loss allowance to noncurrent loans | 125.1515% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 1,185 |
| Noncurrent loans to loans | 1.2970% | 1,193 |
| Net loans and leases to total assets | 83.8136% | 373 |
| Net loans and leases to deposits | 95.8124% | 1,036 |
| Net loans and leases to core deposits | 104.6863% | 1,284 |
| Total domestic deposits to total assets | 87.4768% | 1,271 |
| Equity capital to assets | 9.3891% | 4,532 |
| Core capital (leverage) ratio | 9.5110% | 4,155 |
| Tier 1 risk-based capital ratio | 10.8602% | 4,965 |
| Total risk-based capital ratio | 12.1132% | 4,865 |
| Memoranda: | ||
| Average total assets | $58,946,000 | 4,674 |
| Average earning assets | $55,973,250 | 4,649 |
| Average equity | $5,667,500 | 4,864 |
| Average total loans | $50,629,750 | 4,213 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4528% | 55 |
| Cost of funding earning assets | 1.8515% | 102 |
| Net interest margin | 5.6012% | 106 |
| Noninterest income to average assets | 0.9406% | 981 |
| Noninterest expense to average assets | 4.1714% | 427 |
| Loan and lease loss provision to assets | 0.5112% | 226 |
| Net operating income to assets | 1.4590% | 1,265 |
| Return on assets (ROA) | 1.5813% | 986 |
| Pretax return on assets | 1.7108% | 1,250 |
| Return on Equity (ROE) | 16.3170% | 544 |
| Retained earnings to average equity (ytd only) | 2.1803% | 4,059 |
| Net charge-offs to loans | 0.2928% | 582 |
| Credit loss provision to net charge-offs | 202.7027% | 1,189 |
| Earnings coverage of net charge-offs (x) | 8.2838% | 2,429 |
| Efficiency ratio | 66.6304% | 2,724 |
| Assets per employee ($millions) | 2.8298% | 4,999 |
| Cash dividends to net income (ytd only)* | 86.6379% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 1,322 |
| Loan loss allowance to noncurrent loans | 128.2392% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.0130% | 1,381 |
| Noncurrent loans to loans | 1.1576% | 1,395 |
| Net loans and leases to total assets | 86.2162% | 196 |
| Net loans and leases to deposits | 98.7377% | 772 |
| Net loans and leases to core deposits | 109.0619% | 1,032 |
| Total domestic deposits to total assets | 87.3185% | 1,427 |
| Equity capital to assets | 9.5330% | 4,374 |
| Core capital (leverage) ratio | 9.4907% | 4,150 |
| Tier 1 risk-based capital ratio | 10.9949% | 4,907 |
| Total risk-based capital ratio | 12.2467% | 4,829 |
| Memoranda: | ||
| Average total assets | $58,685,000 | 4,715 |
| Average earning assets | $55,737,670 | 4,689 |
| Average equity | $5,687,330 | 4,890 |
| Average total loans | $50,544,000 | 4,244 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2610% | 60 |
| Cost of funding earning assets | 1.7683% | 117 |
| Net interest margin | 5.4927% | 124 |
| Noninterest income to average assets | 0.9329% | 962 |
| Noninterest expense to average assets | 4.0676% | 488 |
| Loan and lease loss provision to assets | 0.5144% | 206 |
| Net operating income to assets | 1.3101% | 1,662 |
| Return on assets (ROA) | 1.3101% | 1,703 |
| Pretax return on assets | 1.5708% | 1,545 |
| Return on Equity (ROE) | 13.4070% | 1,108 |
| Retained earnings to average equity (ytd only) | 13.4070% | 412 |
| Net charge-offs to loans | 0.5139% | 289 |
| Credit loss provision to net charge-offs | 117.1875% | 1,431 |
| Earnings coverage of net charge-offs (x) | 4.7500% | 2,307 |
| Efficiency ratio | 66.1093% | 2,929 |
| Assets per employee ($millions) | 3.1983% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 1,720 |
| Loan loss allowance to noncurrent loans | 154.9234% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 1,871 |
| Noncurrent loans to loans | 0.8963% | 1,861 |
| Net loans and leases to total assets | 82.7439% | 500 |
| Net loans and leases to deposits | 94.7322% | 1,085 |
| Net loans and leases to core deposits | 102.2159% | 1,446 |
| Total domestic deposits to total assets | 87.3451% | 1,646 |
| Equity capital to assets | 9.5348% | 4,226 |
| Core capital (leverage) ratio | 9.8547% | 3,758 |
| Tier 1 risk-based capital ratio | 10.7930% | 5,069 |
| Total risk-based capital ratio | 12.0429% | 4,972 |
| Memoranda: | ||
| Average total assets | $58,315,000 | 4,768 |
| Average earning assets | $55,419,500 | 4,743 |
| Average equity | $5,698,500 | 4,932 |
| Average total loans | $49,813,000 | 4,305 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0090% | 42 |
| Cost of funding earning assets | 1.1706% | 379 |
| Net interest margin | 6.8384% | 42 |
| Noninterest income to average assets | 1.8940% | 291 |
| Noninterest expense to average assets | 4.8013% | 236 |
| Loan and lease loss provision to assets | 0.3316% | 474 |
| Net operating income to assets | 3.0171% | 78 |
| Return on assets (ROA) | 3.0171% | 80 |
| Pretax return on assets | 3.1166% | 86 |
| Return on Equity (ROE) | 28.2696% | 47 |
| Retained earnings to average equity (ytd only) | 15.5522% | 94 |
| Net charge-offs to loans | 0.2461% | 787 |
| Credit loss provision to net charge-offs | 155.3398% | 1,784 |
| Earnings coverage of net charge-offs (x) | 16.1553% | 2,269 |
| Efficiency ratio | 58.2015% | 4,132 |
| Assets per employee ($millions) | 3.1035% | 4,922 |
| Cash dividends to net income (ytd only)* | 44.9863% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 1,515 |
| Loan loss allowance to noncurrent loans | 195.7865% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 2,132 |
| Noncurrent loans to loans | 0.7320% | 2,161 |
| Net loans and leases to total assets | 85.8171% | 242 |
| Net loans and leases to deposits | 101.1520% | 657 |
| Net loans and leases to core deposits | 110.0475% | 997 |
| Total domestic deposits to total assets | 84.8397% | 2,713 |
| Equity capital to assets | 10.0299% | 3,657 |
| Core capital (leverage) ratio | 10.3886% | 3,155 |
| Tier 1 risk-based capital ratio | 14.1351% | 3,224 |
| Total risk-based capital ratio | 15.3889% | 3,158 |
| Memoranda: | ||
| Average total assets | $48,257,800 | 4,967 |
| Average earning assets | $44,849,800 | 4,959 |
| Average equity | $5,150,400 | 5,030 |
| Average total loans | $41,856,400 | 4,501 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1313% | 39 |
| Cost of funding earning assets | 1.0608% | 461 |
| Net interest margin | 7.0706% | 35 |
| Noninterest income to average assets | 1.5330% | 415 |
| Noninterest expense to average assets | 4.8406% | 227 |
| Loan and lease loss provision to assets | 0.2847% | 527 |
| Net operating income to assets | 2.8618% | 93 |
| Return on assets (ROA) | 2.8618% | 92 |
| Pretax return on assets | 2.9452% | 121 |
| Return on Equity (ROE) | 26.3364% | 65 |
| Retained earnings to average equity (ytd only) | 12.9698% | 364 |
| Net charge-offs to loans | 0.0531% | 2,063 |
| Credit loss provision to net charge-offs | 618.7500% | 578 |
| Earnings coverage of net charge-offs (x) | 70.1969% | 955 |
| Efficiency ratio | 59.9786% | 3,815 |
| Assets per employee ($millions) | 2.7627% | 5,183 |
| Cash dividends to net income (ytd only)* | 50.7542% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 948 |
| Loan loss allowance to noncurrent loans | 3,008.3333% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 3,953 |
| Noncurrent loans to loans | 0.0551% | 4,644 |
| Net loans and leases to total assets | 86.1406% | 251 |
| Net loans and leases to deposits | 111.1959% | 260 |
| Net loans and leases to core deposits | 116.7034% | 684 |
| Total domestic deposits to total assets | 77.4674% | 4,573 |
| Equity capital to assets | 10.6399% | 3,002 |
| Core capital (leverage) ratio | 11.6168% | 2,074 |
| Tier 1 risk-based capital ratio | 13.8453% | 3,448 |
| Total risk-based capital ratio | 15.1014% | 3,349 |
| Memoranda: | ||
| Average total assets | $46,356,500 | 5,061 |
| Average earning assets | $42,862,000 | 5,051 |
| Average equity | $5,037,250 | 5,104 |
| Average total loans | $40,161,250 | 4,594 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0885% | 38 |
| Cost of funding earning assets | 1.0394% | 387 |
| Net interest margin | 7.0491% | 33 |
| Noninterest income to average assets | 1.7244% | 347 |
| Noninterest expense to average assets | 4.9875% | 216 |
| Loan and lease loss provision to assets | 0.2918% | 476 |
| Net operating income to assets | 2.9713% | 84 |
| Return on assets (ROA) | 2.9713% | 84 |
| Pretax return on assets | 3.0420% | 108 |
| Return on Equity (ROE) | 27.1369% | 53 |
| Retained earnings to average equity (ytd only) | 6.7438% | 2,191 |
| Net charge-offs to loans | 0.0102% | 2,774 |
| Credit loss provision to net charge-offs | 3,300.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 377.0000% | 243 |
| Efficiency ratio | 59.9362% | 3,945 |
| Assets per employee ($millions) | 2.6984% | 5,264 |
| Cash dividends to net income (ytd only)* | 75.1488% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 727 |
| Loan loss allowance to noncurrent loans | 858.5366% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 4,088 |
| Noncurrent loans to loans | 0.2117% | 3,966 |
| Net loans and leases to total assets | 82.8937% | 592 |
| Net loans and leases to deposits | 97.2084% | 1,023 |
| Net loans and leases to core deposits | 101.1249% | 1,642 |
| Total domestic deposits to total assets | 85.2742% | 2,573 |
| Equity capital to assets | 10.8301% | 2,805 |
| Core capital (leverage) ratio | 10.9208% | 2,585 |
| Tier 1 risk-based capital ratio | 14.1538% | 3,286 |
| Total risk-based capital ratio | 15.4131% | 3,196 |
| Memoranda: | ||
| Average total assets | $45,232,670 | 5,148 |
| Average earning assets | $42,331,670 | 5,121 |
| Average equity | $4,952,670 | 5,173 |
| Average total loans | $39,029,000 | 4,669 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9341% | 38 |
| Cost of funding earning assets | 0.9894% | 386 |
| Net interest margin | 6.9447% | 35 |
| Noninterest income to average assets | 1.4606% | 445 |
| Noninterest expense to average assets | 5.0676% | 212 |
| Loan and lease loss provision to assets | 0.2939% | 446 |
| Net operating income to assets | 2.5650% | 131 |
| Return on assets (ROA) | 2.5650% | 133 |
| Pretax return on assets | 2.6006% | 186 |
| Return on Equity (ROE) | 23.2963% | 123 |
| Retained earnings to average equity (ytd only) | 23.2963% | 62 |
| Net charge-offs to loans | 0.0204% | 2,088 |
| Credit loss provision to net charge-offs | 1,650.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 162.5000% | 401 |
| Efficiency ratio | 63.6465% | 3,537 |
| Assets per employee ($millions) | 2.8465% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7093% | 929 |
| Loan loss allowance to noncurrent loans | 9,585.7143% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 5,049 |
| Noncurrent loans to loans | 0.0178% | 4,911 |
| Net loans and leases to total assets | 84.7203% | 364 |
| Net loans and leases to deposits | 99.7338% | 729 |
| Net loans and leases to core deposits | 111.0839% | 938 |
| Total domestic deposits to total assets | 84.9464% | 2,952 |
| Equity capital to assets | 11.1738% | 2,406 |
| Core capital (leverage) ratio | 11.3606% | 2,113 |
| Tier 1 risk-based capital ratio | 15.0220% | 2,857 |
| Total risk-based capital ratio | 16.2795% | 2,783 |
| Memoranda: | ||
| Average total assets | $44,913,000 | 5,208 |
| Average earning assets | $42,046,500 | 5,185 |
| Average equity | $4,945,000 | 5,230 |
| Average total loans | $39,179,000 | 4,719 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5701% | 48 |
| Cost of funding earning assets | 0.9149% | 347 |
| Net interest margin | 6.6552% | 48 |
| Noninterest income to average assets | 1.7255% | 369 |
| Noninterest expense to average assets | 5.0510% | 215 |
| Loan and lease loss provision to assets | 0.3013% | 570 |
| Net operating income to assets | 2.4536% | 126 |
| Return on assets (ROA) | 2.4536% | 125 |
| Pretax return on assets | 2.5997% | 156 |
| Return on Equity (ROE) | 23.2272% | 92 |
| Retained earnings to average equity (ytd only) | 8.4482% | 631 |
| Net charge-offs to loans | 0.0053% | 3,901 |
| Credit loss provision to net charge-offs | 6,600.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 635.5000% | 135 |
| Efficiency ratio | 63.5189% | 3,679 |
| Assets per employee ($millions) | 2.6048% | 5,416 |
| Cash dividends to net income (ytd only)* | 63.6279% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6342% | 1,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 86.8592% | 201 |
| Net loans and leases to deposits | 100.5726% | 687 |
| Net loans and leases to core deposits | 114.1674% | 791 |
| Total domestic deposits to total assets | 86.3647% | 2,288 |
| Equity capital to assets | 10.8419% | 2,787 |
| Core capital (leverage) ratio | 10.6682% | 2,678 |
| Tier 1 risk-based capital ratio | 14.0623% | 3,328 |
| Total risk-based capital ratio | 15.3188% | 3,223 |
| Memoranda: | ||
| Average total assets | $43,813,400 | 5,277 |
| Average earning assets | $40,990,200 | 5,252 |
| Average equity | $4,628,200 | 5,329 |
| Average total loans | $37,841,200 | 4,797 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6268% | 44 |
| Cost of funding earning assets | 0.8963% | 353 |
| Net interest margin | 6.7305% | 43 |
| Noninterest income to average assets | 1.9864% | 314 |
| Noninterest expense to average assets | 5.0163% | 220 |
| Loan and lease loss provision to assets | 0.3021% | 517 |
| Net operating income to assets | 2.8133% | 95 |
| Return on assets (ROA) | 2.8133% | 96 |
| Pretax return on assets | 2.9689% | 117 |
| Return on Equity (ROE) | 26.8113% | 53 |
| Retained earnings to average equity (ytd only) | 12.7077% | 242 |
| Net charge-offs to loans | -0.0071% | 4,541 |
| Credit loss provision to net charge-offs | -4,950.0000% | 5,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5302% | 4,125 |
| Assets per employee ($millions) | 2.8066% | 5,383 |
| Cash dividends to net income (ytd only)* | 52.6031% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 1,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 80.4547% | 920 |
| Net loans and leases to deposits | 93.2698% | 1,388 |
| Net loans and leases to core deposits | 101.3891% | 1,591 |
| Total domestic deposits to total assets | 86.2602% | 2,202 |
| Equity capital to assets | 10.7937% | 3,068 |
| Core capital (leverage) ratio | 11.0209% | 2,440 |
| Tier 1 risk-based capital ratio | 14.3343% | 3,274 |
| Total risk-based capital ratio | 15.5912% | 3,178 |
| Memoranda: | ||
| Average total assets | $43,696,250 | 5,338 |
| Average earning assets | $40,907,500 | 5,311 |
| Average equity | $4,585,000 | 5,391 |
| Average total loans | $37,526,000 | 4,854 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3910% | 49 |
| Cost of funding earning assets | 0.8509% | 404 |
| Net interest margin | 6.5401% | 52 |
| Noninterest income to average assets | 1.5753% | 442 |
| Noninterest expense to average assets | 4.8876% | 233 |
| Loan and lease loss provision to assets | 0.3049% | 495 |
| Net operating income to assets | 2.3191% | 170 |
| Return on assets (ROA) | 2.3191% | 167 |
| Pretax return on assets | 2.4900% | 216 |
| Return on Equity (ROE) | 22.3227% | 124 |
| Retained earnings to average equity (ytd only) | 0.7559% | 4,903 |
| Net charge-offs to loans | -0.0106% | 4,557 |
| Credit loss provision to net charge-offs | -3,300.0000% | 5,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6200% | 3,738 |
| Assets per employee ($millions) | 2.7265% | 5,461 |
| Cash dividends to net income (ytd only)* | 96.6135% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 1,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 86.6839% | 231 |
| Net loans and leases to deposits | 102.4658% | 581 |
| Net loans and leases to core deposits | 111.8489% | 912 |
| Total domestic deposits to total assets | 84.5979% | 2,979 |
| Equity capital to assets | 10.1481% | 3,739 |
| Core capital (leverage) ratio | 10.1847% | 3,297 |
| Tier 1 risk-based capital ratio | 12.7246% | 4,169 |
| Total risk-based capital ratio | 13.9778% | 4,075 |
| Memoranda: | ||
| Average total assets | $43,293,000 | 5,383 |
| Average earning assets | $40,427,670 | 5,363 |
| Average equity | $4,497,670 | 5,445 |
| Average total loans | $37,788,000 | 4,881 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3140% | 50 |
| Cost of funding earning assets | 0.8435% | 388 |
| Net interest margin | 6.4704% | 51 |
| Noninterest income to average assets | 1.6509% | 415 |
| Noninterest expense to average assets | 4.9064% | 246 |
| Loan and lease loss provision to assets | 0.3061% | 429 |
| Net operating income to assets | 2.2723% | 200 |
| Return on assets (ROA) | 2.2723% | 205 |
| Pretax return on assets | 2.4857% | 218 |
| Return on Equity (ROE) | 21.6192% | 161 |
| Retained earnings to average equity (ytd only) | 21.6192% | 82 |
| Net charge-offs to loans | -0.0107% | 4,455 |
| Credit loss provision to net charge-offs | -3,300.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7349% | 3,884 |
| Assets per employee ($millions) | 2.7314% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 1,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 83.8978% | 376 |
| Net loans and leases to deposits | 97.1361% | 836 |
| Net loans and leases to core deposits | 105.8061% | 1,115 |
| Total domestic deposits to total assets | 86.3713% | 2,504 |
| Equity capital to assets | 10.6540% | 3,008 |
| Core capital (leverage) ratio | 10.6708% | 2,716 |
| Tier 1 risk-based capital ratio | 13.6276% | 3,701 |
| Total risk-based capital ratio | 14.8803% | 3,609 |
| Memoranda: | ||
| Average total assets | $43,127,500 | 5,445 |
| Average earning assets | $40,306,500 | 5,424 |
| Average equity | $4,533,000 | 5,494 |
| Average total loans | $37,485,500 | 4,931 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4162% | 48 |
| Cost of funding earning assets | 0.7900% | 530 |
| Net interest margin | 6.6262% | 50 |
| Noninterest income to average assets | 2.2268% | 293 |
| Noninterest expense to average assets | 5.0091% | 257 |
| Loan and lease loss provision to assets | 0.3853% | 417 |
| Net operating income to assets | 2.8774% | 87 |
| Return on assets (ROA) | 2.8774% | 90 |
| Pretax return on assets | 3.0025% | 111 |
| Return on Equity (ROE) | 28.5728% | 49 |
| Retained earnings to average equity (ytd only) | 20.0010% | 46 |
| Net charge-offs to loans | 0.0433% | 3,168 |
| Credit loss provision to net charge-offs | 1,026.6667% | 372 |
| Earnings coverage of net charge-offs (x) | 90.2667% | 652 |
| Efficiency ratio | 59.6544% | 4,635 |
| Assets per employee ($millions) | 2.6596% | 5,580 |
| Cash dividends to net income (ytd only)* | 30.0000% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 2,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 87.5426% | 147 |
| Net loans and leases to deposits | 102.3097% | 516 |
| Net loans and leases to core deposits | 110.1381% | 893 |
| Total domestic deposits to total assets | 85.5662% | 2,798 |
| Equity capital to assets | 10.3635% | 3,312 |
| Core capital (leverage) ratio | 10.2946% | 3,115 |
| Tier 1 risk-based capital ratio | 13.0277% | 4,051 |
| Total risk-based capital ratio | 14.2802% | 3,961 |
| Memoranda: | ||
| Average total assets | $39,967,200 | 5,546 |
| Average earning assets | $37,216,000 | 5,523 |
| Average equity | $4,024,800 | 5,638 |
| Average total loans | $34,631,000 | 5,048 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4003% | 48 |
| Cost of funding earning assets | 0.7688% | 579 |
| Net interest margin | 6.6315% | 46 |
| Noninterest income to average assets | 2.3905% | 274 |
| Noninterest expense to average assets | 4.9981% | 267 |
| Loan and lease loss provision to assets | 0.3899% | 383 |
| Net operating income to assets | 3.0246% | 88 |
| Return on assets (ROA) | 3.0246% | 89 |
| Pretax return on assets | 3.1738% | 108 |
| Return on Equity (ROE) | 30.2736% | 37 |
| Retained earnings to average equity (ytd only) | 22.0265% | 42 |
| Net charge-offs to loans | 0.0473% | 2,698 |
| Credit loss provision to net charge-offs | 958.3333% | 429 |
| Earnings coverage of net charge-offs (x) | 87.5813% | 717 |
| Efficiency ratio | 58.3762% | 4,767 |
| Assets per employee ($millions) | 2.6616% | 5,631 |
| Cash dividends to net income (ytd only)* | 27.2421% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,722 |
| Loan loss allowance to noncurrent loans | 1,975.0000% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 5,228 |
| Noncurrent loans to loans | 0.0655% | 5,090 |
| Net loans and leases to total assets | 84.9407% | 331 |
| Net loans and leases to deposits | 97.7569% | 878 |
| Net loans and leases to core deposits | 104.7644% | 1,287 |
| Total domestic deposits to total assets | 86.8897% | 1,938 |
| Equity capital to assets | 9.9894% | 4,131 |
| Core capital (leverage) ratio | 10.1610% | 3,370 |
| Tier 1 risk-based capital ratio | 12.7851% | 4,285 |
| Total risk-based capital ratio | 14.0354% | 4,197 |
| Memoranda: | ||
| Average total assets | $39,320,750 | 5,607 |
| Average earning assets | $36,592,000 | 5,585 |
| Average equity | $3,928,500 | 5,712 |
| Average total loans | $33,848,250 | 5,120 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4301% | 47 |
| Cost of funding earning assets | 0.7210% | 721 |
| Net interest margin | 6.7091% | 45 |
| Noninterest income to average assets | 2.2755% | 290 |
| Noninterest expense to average assets | 4.9643% | 273 |
| Loan and lease loss provision to assets | 0.3976% | 387 |
| Net operating income to assets | 2.9504% | 92 |
| Return on assets (ROA) | 2.9504% | 93 |
| Pretax return on assets | 3.1439% | 114 |
| Return on Equity (ROE) | 29.5288% | 48 |
| Retained earnings to average equity (ytd only) | 16.8063% | 101 |
| Net charge-offs to loans | 0.0061% | 3,480 |
| Credit loss provision to net charge-offs | 7,600.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 677.0000% | 85 |
| Efficiency ratio | 58.3641% | 4,852 |
| Assets per employee ($millions) | 2.5691% | 5,754 |
| Cash dividends to net income (ytd only)* | 43.0851% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 3,139 |
| Loan loss allowance to noncurrent loans | 1,858.3333% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 5,165 |
| Noncurrent loans to loans | 0.0667% | 5,184 |
| Net loans and leases to total assets | 86.4712% | 218 |
| Net loans and leases to deposits | 102.6957% | 524 |
| Net loans and leases to core deposits | 105.6536% | 1,203 |
| Total domestic deposits to total assets | 84.2014% | 3,196 |
| Equity capital to assets | 9.5511% | 4,714 |
| Core capital (leverage) ratio | 10.1282% | 3,415 |
| Tier 1 risk-based capital ratio | 11.9933% | 4,832 |
| Total risk-based capital ratio | 13.2427% | 4,746 |
| Memoranda: | ||
| Average total assets | $38,232,670 | 5,694 |
| Average earning assets | $35,504,000 | 5,677 |
| Average equity | $3,820,000 | 5,789 |
| Average total loans | $32,915,670 | 5,203 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5221% | 48 |
| Cost of funding earning assets | 0.7170% | 742 |
| Net interest margin | 6.8052% | 46 |
| Noninterest income to average assets | 2.5328% | 249 |
| Noninterest expense to average assets | 4.7505% | 329 |
| Loan and lease loss provision to assets | 0.2174% | 887 |
| Net operating income to assets | 3.5221% | 66 |
| Return on assets (ROA) | 3.5221% | 65 |
| Pretax return on assets | 3.8591% | 83 |
| Return on Equity (ROE) | 34.4040% | 32 |
| Retained earnings to average equity (ytd only) | 34.4040% | 16 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8177% | 5,398 |
| Assets per employee ($millions) | 2.6301% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 3,200 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 5,311 |
| Noncurrent loans to loans | 0.0832% | 5,147 |
| Net loans and leases to total assets | 83.7597% | 393 |
| Net loans and leases to deposits | 97.5580% | 796 |
| Net loans and leases to core deposits | 100.6396% | 1,435 |
| Total domestic deposits to total assets | 85.8563% | 2,731 |
| Equity capital to assets | 10.6730% | 3,287 |
| Core capital (leverage) ratio | 10.7213% | 2,697 |
| Tier 1 risk-based capital ratio | 13.2515% | 4,118 |
| Total risk-based capital ratio | 14.4991% | 4,048 |
| Memoranda: | ||
| Average total assets | $36,796,500 | 5,780 |
| Average earning assets | $34,033,000 | 5,758 |
| Average equity | $3,767,000 | 5,846 |
| Average total loans | $31,378,500 | 5,293 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5022% | 47 |
| Cost of funding earning assets | 0.5981% | 1,364 |
| Net interest margin | 6.9041% | 45 |
| Noninterest income to average assets | 2.1180% | 325 |
| Noninterest expense to average assets | 5.9634% | 181 |
| Loan and lease loss provision to assets | 0.1098% | 2,161 |
| Net operating income to assets | 2.3440% | 191 |
| Return on assets (ROA) | 2.3440% | 196 |
| Pretax return on assets | 2.4183% | 232 |
| Return on Equity (ROE) | 22.2181% | 163 |
| Retained earnings to average equity (ytd only) | 16.6789% | 100 |
| Net charge-offs to loans | 0.0265% | 3,702 |
| Credit loss provision to net charge-offs | 485.7143% | 648 |
| Earnings coverage of net charge-offs (x) | 111.8571% | 528 |
| Efficiency ratio | 70.2281% | 3,187 |
| Assets per employee ($millions) | 2.6265% | 5,830 |
| Cash dividends to net income (ytd only)* | 24.9311% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 3,623 |
| Loan loss allowance to noncurrent loans | 2,846.1538% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 5,539 |
| Noncurrent loans to loans | 0.0412% | 5,354 |
| Net loans and leases to total assets | 84.7271% | 331 |
| Net loans and leases to deposits | 106.3964% | 348 |
| Net loans and leases to core deposits | 109.2008% | 904 |
| Total domestic deposits to total assets | 79.6334% | 4,832 |
| Equity capital to assets | 9.8012% | 4,186 |
| Core capital (leverage) ratio | 10.4889% | 2,947 |
| Tier 1 risk-based capital ratio | 12.0113% | 4,943 |
| Total risk-based capital ratio | 13.2445% | 4,855 |
| Memoranda: | ||
| Average total assets | $30,972,400 | 5,942 |
| Average earning assets | $28,591,800 | 5,926 |
| Average equity | $3,267,600 | 5,961 |
| Average total loans | $26,445,000 | 5,506 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6694% | 43 |
| Cost of funding earning assets | 0.6159% | 1,307 |
| Net interest margin | 7.0535% | 43 |
| Noninterest income to average assets | 2.3168% | 290 |
| Noninterest expense to average assets | 6.0878% | 174 |
| Loan and lease loss provision to assets | 0.0993% | 2,192 |
| Net operating income to assets | 2.5697% | 151 |
| Return on assets (ROA) | 2.5697% | 154 |
| Pretax return on assets | 2.6465% | 195 |
| Return on Equity (ROE) | 23.8307% | 140 |
| Retained earnings to average equity (ytd only) | 18.0091% | 88 |
| Net charge-offs to loans | 0.0371% | 3,162 |
| Credit loss provision to net charge-offs | 314.2857% | 928 |
| Earnings coverage of net charge-offs (x) | 86.8864% | 705 |
| Efficiency ratio | 68.9162% | 3,392 |
| Assets per employee ($millions) | 2.5659% | 5,928 |
| Cash dividends to net income (ytd only)* | 24.4289% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 3,215 |
| Loan loss allowance to noncurrent loans | 267.1642% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 4,168 |
| Noncurrent loans to loans | 0.4784% | 3,925 |
| Net loans and leases to total assets | 82.8971% | 486 |
| Net loans and leases to deposits | 97.0518% | 904 |
| Net loans and leases to core deposits | 99.6792% | 1,544 |
| Total domestic deposits to total assets | 85.4154% | 2,819 |
| Equity capital to assets | 10.4596% | 3,643 |
| Core capital (leverage) ratio | 11.1981% | 2,305 |
| Tier 1 risk-based capital ratio | 12.2623% | 4,914 |
| Total risk-based capital ratio | 13.5100% | 4,813 |
| Memoranda: | ||
| Average total assets | $29,522,750 | 6,047 |
| Average earning assets | $27,276,500 | 6,024 |
| Average equity | $3,183,500 | 6,050 |
| Average total loans | $25,175,000 | 5,609 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0995% | 58 |
| Cost of funding earning assets | 0.5802% | 1,561 |
| Net interest margin | 6.5193% | 56 |
| Noninterest income to average assets | 1.7065% | 464 |
| Noninterest expense to average assets | 6.2596% | 173 |
| Loan and lease loss provision to assets | 0.0850% | 2,418 |
| Net operating income to assets | 1.3595% | 1,166 |
| Return on assets (ROA) | 1.3595% | 1,210 |
| Pretax return on assets | 1.4091% | 1,942 |
| Return on Equity (ROE) | 12.4608% | 1,240 |
| Retained earnings to average equity (ytd only) | 2.6609% | 4,362 |
| Net charge-offs to loans | 0.0578% | 2,572 |
| Credit loss provision to net charge-offs | 171.4286% | 1,395 |
| Earnings coverage of net charge-offs (x) | 30.1429% | 1,364 |
| Efficiency ratio | 80.7306% | 1,657 |
| Assets per employee ($millions) | 2.1235% | 6,188 |
| Cash dividends to net income (ytd only)* | 78.6458% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 3,132 |
| Loan loss allowance to noncurrent loans | 259.7015% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 4,124 |
| Noncurrent loans to loans | 0.5083% | 3,935 |
| Net loans and leases to total assets | 87.4971% | 166 |
| Net loans and leases to deposits | 101.2652% | 582 |
| Net loans and leases to core deposits | 103.2755% | 1,240 |
| Total domestic deposits to total assets | 86.4038% | 2,487 |
| Equity capital to assets | 10.4309% | 3,517 |
| Core capital (leverage) ratio | 10.7674% | 2,659 |
| Tier 1 risk-based capital ratio | 10.5362% | 5,907 |
| Total risk-based capital ratio | 11.7185% | 5,877 |
| Memoranda: | ||
| Average total assets | $28,244,670 | 6,137 |
| Average earning assets | $26,199,000 | 6,110 |
| Average equity | $3,081,670 | 6,139 |
| Average total loans | $24,230,000 | 5,702 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4658% | 78 |
| Cost of funding earning assets | 0.5622% | 1,730 |
| Net interest margin | 5.9036% | 78 |
| Noninterest income to average assets | 1.1199% | 902 |
| Noninterest expense to average assets | 5.9922% | 191 |
| Loan and lease loss provision to assets | 0.0873% | 2,234 |
| Net operating income to assets | 0.5090% | 4,636 |
| Return on assets (ROA) | 0.5090% | 4,756 |
| Pretax return on assets | 0.5381% | 5,075 |
| Return on Equity (ROE) | 4.5573% | 4,736 |
| Retained earnings to average equity (ytd only) | 2.9948% | 4,182 |
| Net charge-offs to loans | 0.0173% | 2,823 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 932 |
| Efficiency ratio | 90.5495% | 813 |
| Assets per employee ($millions) | 2.0213% | 6,273 |
| Cash dividends to net income (ytd only)* | 34.2857% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 2,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 81.8432% | 478 |
| Net loans and leases to deposits | 94.8054% | 911 |
| Net loans and leases to core deposits | 96.7863% | 1,566 |
| Total domestic deposits to total assets | 86.3277% | 2,750 |
| Equity capital to assets | 10.8948% | 3,095 |
| Core capital (leverage) ratio | 10.9793% | 2,430 |
| Tier 1 risk-based capital ratio | 12.1814% | 5,126 |
| Total risk-based capital ratio | 13.4300% | 5,032 |
| Memoranda: | ||
| Average total assets | $27,502,500 | 6,217 |
| Average earning assets | $25,611,500 | 6,183 |
| Average equity | $3,072,000 | 6,201 |
| Average total loans | $23,165,000 | 5,785 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9599% | 68 |
| Cost of funding earning assets | 0.6063% | 1,714 |
| Net interest margin | 6.3536% | 68 |
| Noninterest income to average assets | 2.1798% | 298 |
| Noninterest expense to average assets | 5.9781% | 185 |
| Loan and lease loss provision to assets | 0.0923% | 2,622 |
| Net operating income to assets | 1.9837% | 334 |
| Return on assets (ROA) | 1.9837% | 345 |
| Pretax return on assets | 2.0722% | 440 |
| Return on Equity (ROE) | 18.0685% | 388 |
| Retained earnings to average equity (ytd only) | 11.8005% | 313 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4183% | 2,943 |
| Assets per employee ($millions) | 2.0544% | 6,357 |
| Cash dividends to net income (ytd only)* | 34.6899% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 2,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 84.1689% | 332 |
| Net loans and leases to deposits | 98.1144% | 752 |
| Net loans and leases to core deposits | 100.3034% | 1,378 |
| Total domestic deposits to total assets | 85.7865% | 2,953 |
| Equity capital to assets | 11.4614% | 2,465 |
| Core capital (leverage) ratio | 11.3312% | 2,104 |
| Tier 1 risk-based capital ratio | 13.3255% | 4,528 |
| Total risk-based capital ratio | 14.5793% | 4,451 |
| Memoranda: | ||
| Average total assets | $26,011,600 | 6,325 |
| Average earning assets | $24,411,400 | 6,288 |
| Average equity | $2,855,800 | 6,296 |
| Average total loans | $21,488,600 | 5,903 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8210% | 74 |
| Cost of funding earning assets | 0.6041% | 1,792 |
| Net interest margin | 6.2169% | 73 |
| Noninterest income to average assets | 2.0693% | 325 |
| Noninterest expense to average assets | 5.8982% | 188 |
| Loan and lease loss provision to assets | 0.0929% | 2,501 |
| Net operating income to assets | 1.8319% | 484 |
| Return on assets (ROA) | 1.8319% | 494 |
| Pretax return on assets | 1.9196% | 686 |
| Return on Equity (ROE) | 16.8772% | 563 |
| Retained earnings to average equity (ytd only) | 10.4115% | 614 |
| Net charge-offs to loans | -0.0063% | 5,337 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5597% | 2,727 |
| Assets per employee ($millions) | 2.2022% | 6,380 |
| Cash dividends to net income (ytd only)* | 38.3102% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 2,622 |
| Loan loss allowance to noncurrent loans | 1,690.0000% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 5,856 |
| Noncurrent loans to loans | 0.0898% | 5,674 |
| Net loans and leases to total assets | 82.9827% | 411 |
| Net loans and leases to deposits | 96.7143% | 824 |
| Net loans and leases to core deposits | 98.8951% | 1,457 |
| Total domestic deposits to total assets | 85.8019% | 2,959 |
| Equity capital to assets | 11.1368% | 2,832 |
| Core capital (leverage) ratio | 11.2380% | 2,274 |
| Tier 1 risk-based capital ratio | 13.0684% | 4,816 |
| Total risk-based capital ratio | 14.3250% | 4,745 |
| Memoranda: | ||
| Average total assets | $25,837,750 | 6,406 |
| Average earning assets | $24,277,500 | 6,363 |
| Average equity | $2,804,500 | 6,376 |
| Average total loans | $21,155,250 | 5,975 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7002% | 82 |
| Cost of funding earning assets | 0.6084% | 1,829 |
| Net interest margin | 6.0918% | 79 |
| Noninterest income to average assets | 1.8798% | 379 |
| Noninterest expense to average assets | 5.9746% | 183 |
| Loan and lease loss provision to assets | 0.0936% | 2,460 |
| Net operating income to assets | 1.4430% | 976 |
| Return on assets (ROA) | 1.4430% | 1,018 |
| Pretax return on assets | 1.5132% | 1,498 |
| Return on Equity (ROE) | 13.4139% | 1,072 |
| Retained earnings to average equity (ytd only) | 3.4804% | 3,987 |
| Net charge-offs to loans | -0.0096% | 5,313 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8066% | 2,196 |
| Assets per employee ($millions) | 2.1446% | 6,461 |
| Cash dividends to net income (ytd only)* | 74.0541% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 2,928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 5,398 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 85.0515% | 234 |
| Net loans and leases to deposits | 98.5236% | 630 |
| Net loans and leases to core deposits | 98.5236% | 1,406 |
| Total domestic deposits to total assets | 86.3260% | 2,860 |
| Equity capital to assets | 10.7674% | 3,126 |
| Core capital (leverage) ratio | 10.6287% | 2,795 |
| Tier 1 risk-based capital ratio | 12.0714% | 5,502 |
| Total risk-based capital ratio | 13.3130% | 5,437 |
| Memoranda: | ||
| Average total assets | $25,641,670 | 6,472 |
| Average earning assets | $23,999,330 | 6,433 |
| Average equity | $2,758,330 | 6,438 |
| Average total loans | $20,784,670 | 6,039 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2588% | 106 |
| Cost of funding earning assets | 0.6024% | 1,950 |
| Net interest margin | 5.6563% | 106 |
| Noninterest income to average assets | 1.7972% | 400 |
| Noninterest expense to average assets | 5.9855% | 189 |
| Loan and lease loss provision to assets | 0.0938% | 2,355 |
| Net operating income to assets | 0.8752% | 2,769 |
| Return on assets (ROA) | 0.8752% | 2,834 |
| Pretax return on assets | 1.0002% | 3,318 |
| Return on Equity (ROE) | 8.1395% | 2,870 |
| Retained earnings to average equity (ytd only) | 8.1395% | 1,550 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5475% | 1,607 |
| Assets per employee ($millions) | 2.2213% | 6,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 2,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 5,530 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 72.1816% | 1,549 |
| Net loans and leases to deposits | 83.2468% | 1,920 |
| Net loans and leases to core deposits | 83.2468% | 2,608 |
| Total domestic deposits to total assets | 86.7079% | 2,992 |
| Equity capital to assets | 10.4296% | 3,319 |
| Core capital (leverage) ratio | 10.6915% | 2,710 |
| Tier 1 risk-based capital ratio | 13.2634% | 4,849 |
| Total risk-based capital ratio | 14.3750% | 4,871 |
| Memoranda: | ||
| Average total assets | $25,595,000 | 6,539 |
| Average earning assets | $23,902,500 | 6,501 |
| Average equity | $2,752,000 | 6,499 |
| Average total loans | $20,067,000 | 6,133 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8375% | 69 |
| Cost of funding earning assets | 0.6333% | 2,351 |
| Net interest margin | 6.2042% | 67 |
| Noninterest income to average assets | 1.9570% | 404 |
| Noninterest expense to average assets | 6.1728% | 185 |
| Loan and lease loss provision to assets | 0.0838% | 3,443 |
| Net operating income to assets | 1.4961% | 832 |
| Return on assets (ROA) | 1.4961% | 874 |
| Pretax return on assets | 1.5715% | 1,245 |
| Return on Equity (ROE) | 13.5176% | 1,064 |
| Retained earnings to average equity (ytd only) | 4.4301% | 3,021 |
| Net charge-offs to loans | 0.0922% | 3,925 |
| Credit loss provision to net charge-offs | 111.1111% | 2,161 |
| Earnings coverage of net charge-offs (x) | 21.9444% | 1,472 |
| Efficiency ratio | 78.8544% | 2,342 |
| Assets per employee ($millions) | 2.0446% | 6,626 |
| Cash dividends to net income (ytd only)* | 67.2269% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 2,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 5,536 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 82.5352% | 363 |
| Net loans and leases to deposits | 95.9807% | 735 |
| Net loans and leases to core deposits | 97.1316% | 1,374 |
| Total domestic deposits to total assets | 85.9914% | 3,260 |
| Equity capital to assets | 11.1025% | 2,523 |
| Core capital (leverage) ratio | 11.2002% | 2,194 |
| Tier 1 risk-based capital ratio | 13.1493% | 4,885 |
| Total risk-based capital ratio | 14.2933% | 4,892 |
| Memoranda: | ||
| Average total assets | $23,862,600 | 6,642 |
| Average earning assets | $22,581,400 | 6,609 |
| Average equity | $2,641,000 | 6,597 |
| Average total loans | $19,524,000 | 6,227 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7010% | 80 |
| Cost of funding earning assets | 0.6323% | 2,525 |
| Net interest margin | 6.0687% | 77 |
| Noninterest income to average assets | 1.7669% | 497 |
| Noninterest expense to average assets | 6.1504% | 191 |
| Loan and lease loss provision to assets | 0.0788% | 3,483 |
| Net operating income to assets | 1.2323% | 1,526 |
| Return on assets (ROA) | 1.2323% | 1,603 |
| Pretax return on assets | 1.3167% | 2,273 |
| Return on Equity (ROE) | 11.1436% | 1,774 |
| Retained earnings to average equity (ytd only) | 2.1372% | 5,033 |
| Net charge-offs to loans | 0.1246% | 3,288 |
| Credit loss provision to net charge-offs | 77.7778% | 2,898 |
| Earnings coverage of net charge-offs (x) | 13.7775% | 1,998 |
| Efficiency ratio | 81.5063% | 1,896 |
| Assets per employee ($millions) | 2.1740% | 6,650 |
| Cash dividends to net income (ytd only)* | 80.8213% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 3,327 |
| Loan loss allowance to noncurrent loans | 521.6667% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 5,689 |
| Noncurrent loans to loans | 0.2936% | 5,498 |
| Net loans and leases to total assets | 84.1432% | 238 |
| Net loans and leases to deposits | 98.1992% | 556 |
| Net loans and leases to core deposits | 99.4121% | 1,159 |
| Total domestic deposits to total assets | 85.6862% | 3,413 |
| Equity capital to assets | 11.0772% | 2,690 |
| Core capital (leverage) ratio | 10.8335% | 2,637 |
| Tier 1 risk-based capital ratio | 13.5881% | 4,699 |
| Total risk-based capital ratio | 14.8089% | 4,676 |
| Memoranda: | ||
| Average total assets | $23,694,500 | 6,723 |
| Average earning assets | $22,563,250 | 6,685 |
| Average equity | $2,620,250 | 6,680 |
| Average total loans | $19,262,750 | 6,303 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5740% | 91 |
| Cost of funding earning assets | 0.6325% | 2,659 |
| Net interest margin | 5.9416% | 86 |
| Noninterest income to average assets | 1.7781% | 533 |
| Noninterest expense to average assets | 6.1216% | 197 |
| Loan and lease loss provision to assets | 0.0762% | 3,528 |
| Net operating income to assets | 1.1346% | 1,793 |
| Return on assets (ROA) | 1.1346% | 1,908 |
| Pretax return on assets | 1.2277% | 2,567 |
| Return on Equity (ROE) | 10.2656% | 2,099 |
| Retained earnings to average equity (ytd only) | -3.2942% | 6,344 |
| Net charge-offs to loans | 0.1908% | 2,612 |
| Credit loss provision to net charge-offs | 50.0000% | 3,203 |
| Earnings coverage of net charge-offs (x) | 8.5556% | 2,387 |
| Efficiency ratio | 82.4401% | 1,830 |
| Assets per employee ($millions) | 2.0373% | 6,738 |
| Cash dividends to net income (ytd only)* | 132.0896% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 2,989 |
| Loan loss allowance to noncurrent loans | 513.3333% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 5,193 |
| Noncurrent loans to loans | 0.3207% | 5,490 |
| Net loans and leases to total assets | 75.2608% | 1,076 |
| Net loans and leases to deposits | 87.0588% | 1,455 |
| Net loans and leases to core deposits | 88.1009% | 2,094 |
| Total domestic deposits to total assets | 86.4482% | 3,143 |
| Equity capital to assets | 10.4798% | 3,327 |
| Core capital (leverage) ratio | 10.4991% | 2,875 |
| Tier 1 risk-based capital ratio | 14.4811% | 4,110 |
| Total risk-based capital ratio | 15.6964% | 4,098 |
| Memoranda: | ||
| Average total assets | $23,621,330 | 6,775 |
| Average earning assets | $22,452,000 | 6,738 |
| Average equity | $2,610,670 | 6,730 |
| Average total loans | $18,872,000 | 6,359 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4599% | 95 |
| Cost of funding earning assets | 0.6514% | 2,643 |
| Net interest margin | 5.8085% | 95 |
| Noninterest income to average assets | 1.6890% | 550 |
| Noninterest expense to average assets | 6.0323% | 205 |
| Loan and lease loss provision to assets | 0.0862% | 3,224 |
| Net operating income to assets | 1.0341% | 2,092 |
| Return on assets (ROA) | 1.0341% | 2,203 |
| Pretax return on assets | 1.1030% | 2,941 |
| Return on Equity (ROE) | 9.1082% | 2,437 |
| Retained earnings to average equity (ytd only) | 8.8046% | 1,451 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5322% | 1,830 |
| Assets per employee ($millions) | 2.0184% | 6,832 |
| Cash dividends to net income (ytd only)* | 3.3333% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 2,868 |
| Loan loss allowance to noncurrent loans | 207.0513% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 4,295 |
| Noncurrent loans to loans | 0.8366% | 4,450 |
| Net loans and leases to total assets | 75.6575% | 885 |
| Net loans and leases to deposits | 88.0417% | 1,146 |
| Net loans and leases to core deposits | 89.1120% | 1,792 |
| Total domestic deposits to total assets | 85.9337% | 3,564 |
| Equity capital to assets | 10.9946% | 2,963 |
| Core capital (leverage) ratio | 11.2753% | 2,036 |
| Tier 1 risk-based capital ratio | 15.0554% | 3,798 |
| Total risk-based capital ratio | 16.2766% | 3,778 |
| Memoranda: | ||
| Average total assets | $23,208,500 | 6,854 |
| Average earning assets | $22,105,500 | 6,813 |
| Average equity | $2,635,000 | 6,794 |
| Average total loans | $18,954,500 | 6,410 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7714% | 94 |
| Cost of funding earning assets | 0.7088% | 3,429 |
| Net interest margin | 6.0626% | 83 |
| Noninterest income to average assets | 1.9872% | 441 |
| Noninterest expense to average assets | 5.6587% | 257 |
| Loan and lease loss provision to assets | 0.0802% | 4,700 |
| Net operating income to assets | 1.9516% | 393 |
| Return on assets (ROA) | 1.9516% | 432 |
| Pretax return on assets | 1.9649% | 644 |
| Return on Equity (ROE) | 17.8063% | 457 |
| Retained earnings to average equity (ytd only) | 12.2368% | 305 |
| Net charge-offs to loans | 0.0928% | 4,745 |
| Credit loss provision to net charge-offs | 105.8824% | 2,807 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,083 |
| Efficiency ratio | 73.4529% | 3,162 |
| Assets per employee ($millions) | 2.0178% | 6,898 |
| Cash dividends to net income (ytd only)* | 31.2785% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6510% | 3,112 |
| Loan loss allowance to noncurrent loans | 254.4000% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 5,076 |
| Noncurrent loans to loans | 0.6490% | 4,897 |
| Net loans and leases to total assets | 85.3442% | 158 |
| Net loans and leases to deposits | 100.3231% | 402 |
| Net loans and leases to core deposits | 103.0687% | 832 |
| Total domestic deposits to total assets | 85.0694% | 3,830 |
| Equity capital to assets | 11.7454% | 2,229 |
| Core capital (leverage) ratio | 11.5846% | 1,818 |
| Tier 1 risk-based capital ratio | 14.6149% | 3,953 |
| Total risk-based capital ratio | 15.8370% | 3,927 |
| Memoranda: | ||
| Average total assets | $22,443,400 | 6,917 |
| Average earning assets | $21,162,600 | 6,881 |
| Average equity | $2,459,800 | 6,888 |
| Average total loans | $18,318,000 | 6,498 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6045% | 125 |
| Cost of funding earning assets | 0.7227% | 3,573 |
| Net interest margin | 5.8818% | 102 |
| Noninterest income to average assets | 2.0439% | 407 |
| Noninterest expense to average assets | 5.4741% | 271 |
| Loan and lease loss provision to assets | 0.0830% | 4,587 |
| Net operating income to assets | 2.0261% | 377 |
| Return on assets (ROA) | 2.0261% | 414 |
| Pretax return on assets | 2.0321% | 663 |
| Return on Equity (ROE) | 18.8192% | 413 |
| Retained earnings to average equity (ytd only) | 13.7569% | 323 |
| Net charge-offs to loans | -0.0516% | 6,719 |
| Credit loss provision to net charge-offs | -200.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1311% | 3,303 |
| Assets per employee ($millions) | 2.0625% | 6,979 |
| Cash dividends to net income (ytd only)* | 26.8997% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 3,023 |
| Loan loss allowance to noncurrent loans | 637.7358% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 6,118 |
| Noncurrent loans to loans | 0.2719% | 5,943 |
| Net loans and leases to total assets | 84.4140% | 203 |
| Net loans and leases to deposits | 104.1098% | 279 |
| Net loans and leases to core deposits | 108.5658% | 626 |
| Total domestic deposits to total assets | 81.0817% | 5,329 |
| Equity capital to assets | 11.2664% | 2,964 |
| Core capital (leverage) ratio | 11.5177% | 1,974 |
| Tier 1 risk-based capital ratio | 13.7879% | 4,694 |
| Total risk-based capital ratio | 15.0394% | 4,652 |
| Memoranda: | ||
| Average total assets | $22,505,250 | 7,006 |
| Average earning assets | $21,217,500 | 6,969 |
| Average equity | $2,423,000 | 6,985 |
| Average total loans | $18,082,250 | 6,593 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5559% | 135 |
| Cost of funding earning assets | 0.7422% | 3,668 |
| Net interest margin | 5.8137% | 114 |
| Noninterest income to average assets | 2.1386% | 365 |
| Noninterest expense to average assets | 5.3643% | 296 |
| Loan and lease loss provision to assets | 0.0802% | 4,599 |
| Net operating income to assets | 2.1564% | 304 |
| Return on assets (ROA) | 2.1564% | 342 |
| Pretax return on assets | 2.1386% | 537 |
| Return on Equity (ROE) | 20.3475% | 330 |
| Retained earnings to average equity (ytd only) | 12.6121% | 488 |
| Net charge-offs to loans | -0.0795% | 6,802 |
| Credit loss provision to net charge-offs | -128.5714% | 6,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7403% | 3,643 |
| Assets per employee ($millions) | 1.9855% | 7,058 |
| Cash dividends to net income (ytd only)* | 38.0165% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8686% | 2,648 |
| Loan loss allowance to noncurrent loans | 740.0000% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 6,267 |
| Noncurrent loans to loans | 0.2525% | 6,072 |
| Net loans and leases to total assets | 80.0696% | 502 |
| Net loans and leases to deposits | 93.7292% | 796 |
| Net loans and leases to core deposits | 97.6710% | 1,298 |
| Total domestic deposits to total assets | 85.4265% | 3,654 |
| Equity capital to assets | 11.2403% | 2,850 |
| Core capital (leverage) ratio | 10.8012% | 2,479 |
| Tier 1 risk-based capital ratio | 14.6453% | 4,002 |
| Total risk-based capital ratio | 15.8921% | 3,968 |
| Memoranda: | ||
| Average total assets | $22,444,670 | 7,070 |
| Average earning assets | $21,019,330 | 7,031 |
| Average equity | $2,378,670 | 7,044 |
| Average total loans | $17,613,330 | 6,665 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7595% | 462 |
| Cost of funding earning assets | 0.7389% | 3,956 |
| Net interest margin | 5.0206% | 386 |
| Noninterest income to average assets | 2.0047% | 405 |
| Noninterest expense to average assets | 5.4162% | 280 |
| Loan and lease loss provision to assets | 0.0879% | 4,270 |
| Net operating income to assets | 1.2310% | 1,656 |
| Return on assets (ROA) | 1.2310% | 1,834 |
| Pretax return on assets | 1.1606% | 3,064 |
| Return on Equity (ROE) | 11.9633% | 1,683 |
| Retained earnings to average equity (ytd only) | 11.9633% | 827 |
| Net charge-offs to loans | 0.1828% | 3,010 |
| Credit loss provision to net charge-offs | 62.5000% | 3,063 |
| Earnings coverage of net charge-offs (x) | 8.8750% | 1,904 |
| Efficiency ratio | 81.2665% | 2,046 |
| Assets per employee ($millions) | 2.1657% | 7,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8718% | 2,766 |
| Loan loss allowance to noncurrent loans | 135.9307% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.9697% | 4,569 |
| Noncurrent loans to loans | 1.3770% | 4,051 |
| Net loans and leases to total assets | 69.0971% | 1,935 |
| Net loans and leases to deposits | 79.4565% | 2,280 |
| Net loans and leases to core deposits | 85.0083% | 2,404 |
| Total domestic deposits to total assets | 86.9622% | 2,974 |
| Equity capital to assets | 9.9694% | 4,158 |
| Core capital (leverage) ratio | 10.3131% | 2,979 |
| Tier 1 risk-based capital ratio | 15.5462% | 3,419 |
| Total risk-based capital ratio | 16.7703% | 3,411 |
| Memoranda: | ||
| Average total assets | $22,746,500 | 7,125 |
| Average earning assets | $21,113,000 | 7,088 |
| Average equity | $2,340,500 | 7,101 |
| Average total loans | $17,509,500 | 6,728 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1529% | 339 |
| Cost of funding earning assets | 0.8742% | 4,297 |
| Net interest margin | 5.2787% | 251 |
| Noninterest income to average assets | 2.3758% | 291 |
| Noninterest expense to average assets | 6.2326% | 189 |
| Loan and lease loss provision to assets | 0.0909% | 5,453 |
| Net operating income to assets | 1.0221% | 2,117 |
| Return on assets (ROA) | 1.0221% | 2,265 |
| Pretax return on assets | 1.0721% | 2,946 |
| Return on Equity (ROE) | 9.7605% | 2,140 |
| Retained earnings to average equity (ytd only) | 2.3859% | 4,527 |
| Net charge-offs to loans | 0.0339% | 5,974 |
| Credit loss provision to net charge-offs | 333.3333% | 700 |
| Earnings coverage of net charge-offs (x) | 42.6667% | 641 |
| Efficiency ratio | 84.2752% | 1,732 |
| Assets per employee ($millions) | 1.8058% | 7,211 |
| Cash dividends to net income (ytd only)* | 75.5556% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 3,065 |
| Loan loss allowance to noncurrent loans | 171.3514% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.9645% | 4,676 |
| Noncurrent loans to loans | 1.0140% | 4,678 |
| Net loans and leases to total assets | 82.7273% | 288 |
| Net loans and leases to deposits | 96.0512% | 667 |
| Net loans and leases to core deposits | 103.5524% | 928 |
| Total domestic deposits to total assets | 86.1283% | 3,243 |
| Equity capital to assets | 10.6414% | 3,374 |
| Core capital (leverage) ratio | 10.5736% | 2,636 |
| Tier 1 risk-based capital ratio | 14.1524% | 4,215 |
| Total risk-based capital ratio | 15.4106% | 4,159 |
| Memoranda: | ||
| Average total assets | $22,013,200 | 7,163 |
| Average earning assets | $20,933,200 | 7,126 |
| Average equity | $2,305,200 | 7,165 |
| Average total loans | $17,702,400 | 6,770 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1190% | 383 |
| Cost of funding earning assets | 0.9039% | 4,370 |
| Net interest margin | 5.2151% | 278 |
| Noninterest income to average assets | 2.7089% | 246 |
| Noninterest expense to average assets | 6.2565% | 180 |
| Loan and lease loss provision to assets | 0.0905% | 5,327 |
| Net operating income to assets | 1.2610% | 1,481 |
| Return on assets (ROA) | 1.2610% | 1,591 |
| Pretax return on assets | 1.3394% | 2,152 |
| Return on Equity (ROE) | 12.0894% | 1,529 |
| Retained earnings to average equity (ytd only) | 5.7267% | 2,725 |
| Net charge-offs to loans | 0.0380% | 5,616 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 47.3748% | 676 |
| Efficiency ratio | 81.3972% | 2,054 |
| Assets per employee ($millions) | 1.6485% | 7,321 |
| Cash dividends to net income (ytd only)* | 52.6304% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 3,154 |
| Loan loss allowance to noncurrent loans | 140.8072% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 1.1525% | 4,484 |
| Noncurrent loans to loans | 1.2313% | 4,481 |
| Net loans and leases to total assets | 83.0433% | 286 |
| Net loans and leases to deposits | 97.1399% | 625 |
| Net loans and leases to core deposits | 99.8765% | 1,253 |
| Total domestic deposits to total assets | 85.4883% | 3,503 |
| Equity capital to assets | 10.9608% | 3,183 |
| Core capital (leverage) ratio | 10.7550% | 2,610 |
| Tier 1 risk-based capital ratio | 14.4270% | 4,033 |
| Total risk-based capital ratio | 15.6738% | 4,000 |
| Memoranda: | ||
| Average total assets | $22,099,000 | 7,231 |
| Average earning assets | $21,092,000 | 7,199 |
| Average equity | $2,305,000 | 7,238 |
| Average total loans | $17,567,000 | 6,842 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0374% | 448 |
| Cost of funding earning assets | 0.9310% | 4,447 |
| Net interest margin | 5.1064% | 330 |
| Noninterest income to average assets | 3.0643% | 220 |
| Noninterest expense to average assets | 6.3167% | 173 |
| Loan and lease loss provision to assets | 0.0806% | 5,302 |
| Net operating income to assets | 1.4515% | 975 |
| Return on assets (ROA) | 1.4515% | 1,035 |
| Pretax return on assets | 1.5321% | 1,427 |
| Return on Equity (ROE) | 14.1464% | 948 |
| Retained earnings to average equity (ytd only) | 4.5408% | 3,299 |
| Net charge-offs to loans | 0.0575% | 5,074 |
| Credit loss provision to net charge-offs | 180.0000% | 1,678 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 804 |
| Efficiency ratio | 79.6610% | 2,439 |
| Assets per employee ($millions) | 1.6867% | 7,377 |
| Cash dividends to net income (ytd only)* | 67.9012% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 3,080 |
| Loan loss allowance to noncurrent loans | 135.8407% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.1721% | 4,545 |
| Noncurrent loans to loans | 1.3056% | 4,464 |
| Net loans and leases to total assets | 77.5437% | 839 |
| Net loans and leases to deposits | 89.8584% | 1,291 |
| Net loans and leases to core deposits | 92.3023% | 2,090 |
| Total domestic deposits to total assets | 86.2954% | 3,160 |
| Equity capital to assets | 10.5030% | 3,498 |
| Core capital (leverage) ratio | 10.2529% | 2,974 |
| Tier 1 risk-based capital ratio | 14.4761% | 3,802 |
| Total risk-based capital ratio | 15.6892% | 3,805 |
| Memoranda: | ||
| Average total assets | $22,321,670 | 7,299 |
| Average earning assets | $21,267,330 | 7,262 |
| Average equity | $2,290,330 | 7,296 |
| Average total loans | $17,385,670 | 6,923 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9954% | 476 |
| Cost of funding earning assets | 0.9682% | 4,438 |
| Net interest margin | 5.0272% | 361 |
| Noninterest income to average assets | 2.4335% | 273 |
| Noninterest expense to average assets | 5.8262% | 211 |
| Loan and lease loss provision to assets | 0.0888% | 4,901 |
| Net operating income to assets | 1.2434% | 1,405 |
| Return on assets (ROA) | 1.2434% | 1,457 |
| Pretax return on assets | 1.3144% | 1,994 |
| Return on Equity (ROE) | 12.2592% | 1,387 |
| Retained earnings to average equity (ytd only) | 12.2592% | 697 |
| Net charge-offs to loans | -0.2296% | 7,287 |
| Credit loss provision to net charge-offs | -50.0000% | 5,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5897% | 2,423 |
| Assets per employee ($millions) | 1.7615% | 7,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9036% | 2,682 |
| Loan loss allowance to noncurrent loans | 93.8053% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.5895% | 3,865 |
| Noncurrent loans to loans | 2.0293% | 3,534 |
| Net loans and leases to total assets | 71.5590% | 1,801 |
| Net loans and leases to deposits | 83.7910% | 2,065 |
| Net loans and leases to core deposits | 85.9894% | 2,875 |
| Total domestic deposits to total assets | 85.4017% | 3,837 |
| Equity capital to assets | 10.1266% | 3,620 |
| Core capital (leverage) ratio | 9.9536% | 3,196 |
| Tier 1 risk-based capital ratio | 14.9247% | 3,462 |
| Total risk-based capital ratio | 16.0059% | 3,536 |
| Memoranda: | ||
| Average total assets | $22,519,000 | 7,347 |
| Average earning assets | $21,483,000 | 7,311 |
| Average equity | $2,284,000 | 7,345 |
| Average total loans | $17,423,500 | 6,973 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7437% | 219 |
| Cost of funding earning assets | 1.0702% | 5,310 |
| Net interest margin | 5.6735% | 133 |
| Noninterest income to average assets | 2.4979% | 284 |
| Noninterest expense to average assets | 6.5865% | 180 |
| Loan and lease loss provision to assets | 0.0804% | 6,346 |
| Net operating income to assets | 1.2244% | 1,361 |
| Return on assets (ROA) | 1.2244% | 1,434 |
| Pretax return on assets | 1.2556% | 2,063 |
| Return on Equity (ROE) | 12.2453% | 1,269 |
| Retained earnings to average equity (ytd only) | 2.8602% | 3,848 |
| Net charge-offs to loans | 0.1070% | 5,803 |
| Credit loss provision to net charge-offs | 90.0000% | 5,133 |
| Earnings coverage of net charge-offs (x) | 14.9500% | 1,306 |
| Efficiency ratio | 83.1359% | 2,039 |
| Assets per employee ($millions) | 1.7029% | 7,513 |
| Cash dividends to net income (ytd only)* | 76.6423% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6702% | 3,329 |
| Loan loss allowance to noncurrent loans | 129.4872% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 1.1699% | 4,673 |
| Noncurrent loans to loans | 1.2898% | 4,555 |
| Net loans and leases to total assets | 80.5809% | 586 |
| Net loans and leases to deposits | 94.3763% | 1,025 |
| Net loans and leases to core deposits | 96.9405% | 1,901 |
| Total domestic deposits to total assets | 85.3826% | 3,674 |
| Equity capital to assets | 10.1590% | 3,548 |
| Core capital (leverage) ratio | 9.9119% | 3,192 |
| Tier 1 risk-based capital ratio | 13.6105% | 4,124 |
| Total risk-based capital ratio | 14.8693% | 4,087 |
| Memoranda: | ||
| Average total assets | $22,379,000 | 7,411 |
| Average earning assets | $21,397,600 | 7,366 |
| Average equity | $2,237,600 | 7,460 |
| Average total loans | $18,690,400 | 6,992 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7189% | 231 |
| Cost of funding earning assets | 1.0877% | 5,501 |
| Net interest margin | 5.6312% | 142 |
| Noninterest income to average assets | 2.4243% | 290 |
| Noninterest expense to average assets | 6.2449% | 203 |
| Loan and lease loss provision to assets | 0.0832% | 6,208 |
| Net operating income to assets | 1.4677% | 983 |
| Return on assets (ROA) | 1.4677% | 1,058 |
| Pretax return on assets | 1.4796% | 1,662 |
| Return on Equity (ROE) | 14.7368% | 906 |
| Retained earnings to average equity (ytd only) | 5.1907% | 2,847 |
| Net charge-offs to loans | 0.0637% | 5,878 |
| Credit loss provision to net charge-offs | 155.5556% | 2,466 |
| Earnings coverage of net charge-offs (x) | 29.2217% | 894 |
| Efficiency ratio | 79.9848% | 2,339 |
| Assets per employee ($millions) | 1.8062% | 7,581 |
| Cash dividends to net income (ytd only)* | 64.7770% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 3,247 |
| Loan loss allowance to noncurrent loans | 111.5108% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 1.1840% | 4,768 |
| Noncurrent loans to loans | 1.4992% | 4,390 |
| Net loans and leases to total assets | 77.6533% | 1,099 |
| Net loans and leases to deposits | 90.3429% | 1,676 |
| Net loans and leases to core deposits | 97.6750% | 2,079 |
| Total domestic deposits to total assets | 85.9540% | 3,103 |
| Equity capital to assets | 9.6806% | 4,569 |
| Core capital (leverage) ratio | 10.2953% | 2,925 |
| Tier 1 risk-based capital ratio | 13.1372% | 4,467 |
| Total risk-based capital ratio | 14.3914% | 4,449 |
| Memoranda: | ||
| Average total assets | $22,439,250 | 7,505 |
| Average earning assets | $21,451,500 | 7,463 |
| Average equity | $2,234,750 | 7,561 |
| Average total loans | $18,827,500 | 7,083 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0936% | 138 |
| Cost of funding earning assets | 1.0811% | 5,778 |
| Net interest margin | 6.0125% | 93 |
| Noninterest income to average assets | 2.0731% | 337 |
| Noninterest expense to average assets | 6.0473% | 220 |
| Loan and lease loss provision to assets | 0.0815% | 6,119 |
| Net operating income to assets | 1.7019% | 584 |
| Return on assets (ROA) | 1.7019% | 636 |
| Pretax return on assets | 1.6838% | 1,083 |
| Return on Equity (ROE) | 16.9217% | 578 |
| Retained earnings to average equity (ytd only) | 2.5203% | 4,552 |
| Net charge-offs to loans | 0.0846% | 5,295 |
| Credit loss provision to net charge-offs | 112.5000% | 3,611 |
| Earnings coverage of net charge-offs (x) | 24.3750% | 1,074 |
| Efficiency ratio | 77.4044% | 2,831 |
| Assets per employee ($millions) | 1.7918% | 7,655 |
| Cash dividends to net income (ytd only)* | 85.1064% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 3,669 |
| Loan loss allowance to noncurrent loans | 2,541.6667% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 7,262 |
| Noncurrent loans to loans | 0.0610% | 7,162 |
| Net loans and leases to total assets | 83.1666% | 419 |
| Net loans and leases to deposits | 96.5126% | 1,000 |
| Net loans and leases to core deposits | 105.8001% | 1,466 |
| Total domestic deposits to total assets | 86.1718% | 3,000 |
| Equity capital to assets | 9.5007% | 4,702 |
| Core capital (leverage) ratio | 9.5710% | 3,715 |
| Tier 1 risk-based capital ratio | 11.9965% | 5,314 |
| Total risk-based capital ratio | 13.2325% | 5,293 |
| Memoranda: | ||
| Average total assets | $22,092,330 | 7,578 |
| Average earning assets | $21,089,330 | 7,528 |
| Average equity | $2,222,000 | 7,622 |
| Average total loans | $18,922,330 | 7,132 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1177% | 139 |
| Cost of funding earning assets | 1.0696% | 6,043 |
| Net interest margin | 6.0481% | 101 |
| Noninterest income to average assets | 2.2148% | 298 |
| Noninterest expense to average assets | 6.4768% | 173 |
| Loan and lease loss provision to assets | 0.0931% | 5,702 |
| Net operating income to assets | 1.5448% | 827 |
| Return on assets (ROA) | 1.5448% | 890 |
| Pretax return on assets | 1.4331% | 1,682 |
| Return on Equity (ROE) | 14.9113% | 895 |
| Retained earnings to average equity (ytd only) | 14.9113% | 422 |
| Net charge-offs to loans | 0.0431% | 4,990 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 672 |
| Efficiency ratio | 80.9302% | 2,420 |
| Assets per employee ($millions) | 1.6901% | 7,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 3,424 |
| Loan loss allowance to noncurrent loans | 1,466.6667% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 7,243 |
| Noncurrent loans to loans | 0.1094% | 7,126 |
| Net loans and leases to total assets | 85.9952% | 216 |
| Net loans and leases to deposits | 106.5291% | 402 |
| Net loans and leases to core deposits | 114.6898% | 1,009 |
| Total domestic deposits to total assets | 80.7246% | 5,551 |
| Equity capital to assets | 10.3227% | 3,443 |
| Core capital (leverage) ratio | 10.7820% | 2,379 |
| Tier 1 risk-based capital ratio | 12.5895% | 4,648 |
| Total risk-based capital ratio | 13.8440% | 4,614 |
| Memoranda: | ||
| Average total assets | $21,492,000 | 7,685 |
| Average earning assets | $20,568,500 | 7,635 |
| Average equity | $2,226,500 | 7,705 |
| Average total loans | $18,545,000 | 7,236 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4132% | 148 |
| Cost of funding earning assets | 1.5207% | 5,435 |
| Net interest margin | 5.8925% | 123 |
| Noninterest income to average assets | 2.7159% | 252 |
| Noninterest expense to average assets | 6.4727% | 251 |
| Loan and lease loss provision to assets | 0.0852% | 6,757 |
| Net operating income to assets | 1.6324% | 504 |
| Return on assets (ROA) | 1.6324% | 535 |
| Pretax return on assets | 1.7317% | 730 |
| Return on Equity (ROE) | 16.5642% | 497 |
| Retained earnings to average equity (ytd only) | 7.9700% | 707 |
| Net charge-offs to loans | -0.1108% | 7,887 |
| Credit loss provision to net charge-offs | -94.7368% | 7,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0822% | 3,178 |
| Assets per employee ($millions) | 1.5009% | 7,900 |
| Cash dividends to net income (ytd only)* | 51.8841% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7106% | 2,864 |
| Loan loss allowance to noncurrent loans | 10,200.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 7,492 |
| Noncurrent loans to loans | 0.0168% | 7,395 |
| Net loans and leases to total assets | 83.6720% | 470 |
| Net loans and leases to deposits | 99.6825% | 934 |
| Net loans and leases to core deposits | 116.4757% | 2,268 |
| Total domestic deposits to total assets | 83.9385% | 4,050 |
| Equity capital to assets | 10.3983% | 3,287 |
| Core capital (leverage) ratio | 10.4701% | 2,637 |
| Tier 1 risk-based capital ratio | 13.0370% | 4,124 |
| Total risk-based capital ratio | 14.2959% | 4,059 |
| Memoranda: | ||
| Average total assets | $21,135,000 | 7,747 |
| Average earning assets | $19,991,400 | 7,713 |
| Average equity | $2,082,800 | 7,830 |
| Average total loans | $17,151,400 | 7,345 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5425% | 140 |
| Cost of funding earning assets | 1.6058% | 5,374 |
| Net interest margin | 5.9367% | 119 |
| Noninterest income to average assets | 2.7528% | 239 |
| Noninterest expense to average assets | 6.3498% | 269 |
| Loan and lease loss provision to assets | 0.0882% | 6,481 |
| Net operating income to assets | 1.8142% | 429 |
| Return on assets (ROA) | 1.8142% | 462 |
| Pretax return on assets | 1.9276% | 626 |
| Return on Equity (ROE) | 18.6652% | 384 |
| Retained earnings to average equity (ytd only) | 9.9808% | 639 |
| Net charge-offs to loans | -0.1572% | 7,955 |
| Credit loss provision to net charge-offs | -70.0000% | 7,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9036% | 3,531 |
| Assets per employee ($millions) | 1.4799% | 7,988 |
| Cash dividends to net income (ytd only)* | 46.5273% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 2,522 |
| Loan loss allowance to noncurrent loans | 111.8959% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 1.2983% | 4,487 |
| Noncurrent loans to loans | 1.5469% | 4,322 |
| Net loans and leases to total assets | 82.4798% | 744 |
| Net loans and leases to deposits | 97.5455% | 1,376 |
| Net loans and leases to core deposits | 111.8317% | 3,040 |
| Total domestic deposits to total assets | 84.5552% | 3,450 |
| Equity capital to assets | 10.5314% | 3,478 |
| Core capital (leverage) ratio | 10.7721% | 2,582 |
| Tier 1 risk-based capital ratio | 12.7744% | 4,333 |
| Total risk-based capital ratio | 13.8751% | 4,406 |
| Memoranda: | ||
| Average total assets | $21,165,500 | 7,819 |
| Average earning assets | $20,010,500 | 7,785 |
| Average equity | $2,057,250 | 7,911 |
| Average total loans | $16,967,250 | 7,422 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7206% | 522 |
| Cost of funding earning assets | 1.6901% | 5,320 |
| Net interest margin | 5.0305% | 402 |
| Noninterest income to average assets | 2.7775% | 233 |
| Noninterest expense to average assets | 6.2212% | 298 |
| Loan and lease loss provision to assets | 0.0845% | 6,332 |
| Net operating income to assets | 0.9946% | 2,133 |
| Return on assets (ROA) | 0.9946% | 2,227 |
| Pretax return on assets | 1.2198% | 2,243 |
| Return on Equity (ROE) | 10.5176% | 1,843 |
| Retained earnings to average equity (ytd only) | -2.7782% | 5,928 |
| Net charge-offs to loans | 0.0475% | 5,811 |
| Credit loss provision to net charge-offs | 225.0000% | 2,045 |
| Earnings coverage of net charge-offs (x) | 34.7500% | 899 |
| Efficiency ratio | 82.6683% | 2,642 |
| Assets per employee ($millions) | 1.5526% | 8,060 |
| Cash dividends to net income (ytd only)* | 126.4151% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 2,455 |
| Loan loss allowance to noncurrent loans | 66.7482% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 2.6308% | 2,438 |
| Noncurrent loans to loans | 2.4992% | 2,897 |
| Net loans and leases to total assets | 79.7265% | 1,357 |
| Net loans and leases to deposits | 93.5853% | 2,162 |
| Net loans and leases to core deposits | 107.5525% | 3,657 |
| Total domestic deposits to total assets | 85.1912% | 3,168 |
| Equity capital to assets | 9.8642% | 4,129 |
| Core capital (leverage) ratio | 9.3540% | 4,092 |
| Tier 1 risk-based capital ratio | 11.5507% | 5,334 |
| Total risk-based capital ratio | 12.8039% | 5,260 |
| Memoranda: | ||
| Average total assets | $21,314,330 | 7,894 |
| Average earning assets | $20,117,330 | 7,856 |
| Average equity | $2,015,670 | 7,999 |
| Average total loans | $16,826,330 | 7,496 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5430% | 795 |
| Cost of funding earning assets | 1.7178% | 5,525 |
| Net interest margin | 4.8252% | 577 |
| Noninterest income to average assets | 2.4863% | 253 |
| Noninterest expense to average assets | 6.2890% | 263 |
| Loan and lease loss provision to assets | 0.0914% | 5,786 |
| Net operating income to assets | 0.2925% | 5,327 |
| Return on assets (ROA) | 0.2925% | 5,497 |
| Pretax return on assets | 0.6764% | 4,505 |
| Return on Equity (ROE) | 3.1558% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.1558% | 4,116 |
| Net charge-offs to loans | -0.1642% | 7,988 |
| Credit loss provision to net charge-offs | -71.4286% | 6,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1192% | 1,798 |
| Assets per employee ($millions) | 1.6885% | 8,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 2,189 |
| Loan loss allowance to noncurrent loans | 337.3494% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 5,994 |
| Noncurrent loans to loans | 0.4997% | 6,176 |
| Net loans and leases to total assets | 74.3964% | 2,651 |
| Net loans and leases to deposits | 86.3427% | 3,573 |
| Net loans and leases to core deposits | 97.6383% | 4,782 |
| Total domestic deposits to total assets | 86.1640% | 2,627 |
| Equity capital to assets | 9.2756% | 4,975 |
| Core capital (leverage) ratio | 9.3644% | 4,152 |
| Tier 1 risk-based capital ratio | 11.9197% | 5,026 |
| Total risk-based capital ratio | 13.1725% | 4,935 |
| Memoranda: | ||
| Average total assets | $21,879,500 | 7,930 |
| Average earning assets | $20,724,500 | 7,885 |
| Average equity | $2,028,000 | 8,052 |
| Average total loans | $17,057,000 | 7,531 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0741% | 177 |
| Cost of funding earning assets | 2.3477% | 4,936 |
| Net interest margin | 5.7265% | 150 |
| Noninterest income to average assets | 2.6482% | 236 |
| Noninterest expense to average assets | 6.4022% | 346 |
| Loan and lease loss provision to assets | 0.0427% | 6,878 |
| Net operating income to assets | 1.5756% | 874 |
| Return on assets (ROA) | 1.5756% | 844 |
| Pretax return on assets | 1.6326% | 1,306 |
| Return on Equity (ROE) | 16.4113% | 712 |
| Retained earnings to average equity (ytd only) | -0.4943% | 5,436 |
| Net charge-offs to loans | 0.0500% | 6,075 |
| Credit loss provision to net charge-offs | 112.5000% | 4,790 |
| Earnings coverage of net charge-offs (x) | 44.1250% | 832 |
| Efficiency ratio | 79.2597% | 2,715 |
| Assets per employee ($millions) | 1.9826% | 7,923 |
| Cash dividends to net income (ytd only)* | 103.0120% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 2,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 7,118 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 79.0270% | 1,883 |
| Net loans and leases to deposits | 91.6024% | 3,200 |
| Net loans and leases to core deposits | 103.0124% | 4,503 |
| Total domestic deposits to total assets | 86.2717% | 2,276 |
| Equity capital to assets | 9.2622% | 4,988 |
| Core capital (leverage) ratio | 9.4164% | 4,136 |
| Tier 1 risk-based capital ratio | 11.6507% | 5,097 |
| Total risk-based capital ratio | 12.8735% | 5,025 |
| Memoranda: | ||
| Average total assets | $21,070,800 | 7,983 |
| Average earning assets | $19,977,400 | 7,940 |
| Average equity | $2,023,000 | 8,114 |
| Average total loans | $15,995,000 | 7,590 |