Home > North County Savings Bank > Performance and Condition Ratios
North County Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9462% | 4,534 |
| Cost of funding earning assets | 1.0719% | 3,141 |
| Net interest margin | 1.8743% | 4,449 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.0751% | 3,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.0213% | 4,399 |
| Return on assets (ROA) | -0.0213% | 4,383 |
| Pretax return on assets | -0.0243% | 4,370 |
| Return on Equity (ROE) | -0.3300% | 4,364 |
| Retained earnings to average equity (ytd only) | -0.3254% | 4,128 |
| Net charge-offs to loans | 0.0150% | 2,102 |
| Credit loss provision to net charge-offs | 25.0000% | 2,290 |
| Earnings coverage of net charge-offs (x) | -3.7500% | 4,536 |
| Efficiency ratio | 101.1095% | 171 |
| Assets per employee ($millions) | 5.9390% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5184% | 4,324 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 41.4100% | 3,984 |
| Net loans and leases to deposits | 46.2259% | 4,040 |
| Net loans and leases to core deposits | 51.2939% | 4,054 |
| Total domestic deposits to total assets | 89.5900% | 879 |
| Equity capital to assets | 6.8637% | 3,985 |
| Core capital (leverage) ratio | 8.0936% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0658% | 475 |
| Memoranda: | ||
| Average total assets | $65,877,600 | 4,153 |
| Average earning assets | $63,436,800 | 4,104 |
| Average equity | $4,302,000 | 4,329 |
| Average total loans | $26,694,200 | 4,188 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9066% | 4,547 |
| Cost of funding earning assets | 0.9024% | 3,268 |
| Net interest margin | 2.0042% | 4,438 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.0500% | 3,470 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1151% | 4,307 |
| Return on assets (ROA) | 0.1151% | 4,324 |
| Pretax return on assets | 0.1192% | 4,329 |
| Return on Equity (ROE) | 1.7900% | 4,224 |
| Retained earnings to average equity (ytd only) | 1.7855% | 3,772 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 94.4186% | 260 |
| Assets per employee ($millions) | 5.9698% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5553% | 4,314 |
| Loan loss allowance to noncurrent loans | 290.0000% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 3,089 |
| Noncurrent loans to loans | 0.1915% | 2,595 |
| Net loans and leases to total assets | 39.5400% | 4,076 |
| Net loans and leases to deposits | 43.8171% | 4,111 |
| Net loans and leases to core deposits | 47.5716% | 4,093 |
| Total domestic deposits to total assets | 90.2400% | 878 |
| Equity capital to assets | 6.4430% | 3,850 |
| Core capital (leverage) ratio | 8.1552% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2878% | 418 |
| Memoranda: | ||
| Average total assets | $66,014,750 | 4,166 |
| Average earning assets | $63,532,250 | 4,123 |
| Average equity | $4,256,500 | 4,340 |
| Average total loans | $26,568,500 | 4,207 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8667% | 4,578 |
| Cost of funding earning assets | 0.8015% | 3,199 |
| Net interest margin | 2.0652% | 4,472 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.0505% | 3,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1663% | 4,319 |
| Return on assets (ROA) | 0.1663% | 4,344 |
| Pretax return on assets | 0.1724% | 4,348 |
| Return on Equity (ROE) | 2.5800% | 4,208 |
| Retained earnings to average equity (ytd only) | 2.5791% | 3,582 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 92.1196% | 297 |
| Assets per employee ($millions) | 6.0649% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5448% | 4,345 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 39.6800% | 4,048 |
| Net loans and leases to deposits | 42.5041% | 4,148 |
| Net loans and leases to core deposits | 46.3425% | 4,120 |
| Total domestic deposits to total assets | 93.3400% | 202 |
| Equity capital to assets | 6.4424% | 4,014 |
| Core capital (leverage) ratio | 8.1089% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9385% | 430 |
| Memoranda: | ||
| Average total assets | $66,130,333 | 4,188 |
| Average earning assets | $63,627,333 | 4,144 |
| Average equity | $4,265,000 | 4,365 |
| Average total loans | $26,721,000 | 4,220 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8302% | 4,599 |
| Cost of funding earning assets | 0.6886% | 3,088 |
| Net interest margin | 2.1416% | 4,517 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.0657% | 3,459 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.2126% | 4,343 |
| Return on assets (ROA) | 0.2126% | 4,305 |
| Pretax return on assets | 0.2248% | 4,315 |
| Return on Equity (ROE) | 3.3000% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.2953% | 3,436 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.9471% | 361 |
| Assets per employee ($millions) | 6.0124% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5445% | 4,410 |
| 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 | 40.0400% | 4,039 |
| Net loans and leases to deposits | 42.9626% | 4,131 |
| Net loans and leases to core deposits | 46.9998% | 4,076 |
| Total domestic deposits to total assets | 93.2000% | 275 |
| Equity capital to assets | 6.5895% | 4,000 |
| Core capital (leverage) ratio | 8.0985% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0489% | 437 |
| Memoranda: | ||
| Average total assets | $65,838,500 | 4,245 |
| Average earning assets | $63,316,000 | 4,203 |
| Average equity | $4,248,500 | 4,428 |
| Average total loans | $26,774,500 | 4,271 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5206% | 4,497 |
| Cost of funding earning assets | 0.2747% | 3,104 |
| Net interest margin | 2.2458% | 4,455 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.0190% | 3,536 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.1684% | 4,468 |
| Return on assets (ROA) | 0.1684% | 4,448 |
| Pretax return on assets | 0.2146% | 4,435 |
| Return on Equity (ROE) | 2.5300% | 4,338 |
| Retained earnings to average equity (ytd only) | 2.5336% | 3,845 |
| Net charge-offs to loans | 0.0261% | 1,538 |
| Credit loss provision to net charge-offs | 300.0000% | 912 |
| Earnings coverage of net charge-offs (x) | 23.5714% | 1,809 |
| Efficiency ratio | 89.1447% | 324 |
| Assets per employee ($millions) | 5.9583% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5349% | 4,406 |
| 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 | 40.8600% | 4,034 |
| Net loans and leases to deposits | 44.7724% | 4,087 |
| Net loans and leases to core deposits | 48.4126% | 4,046 |
| Total domestic deposits to total assets | 91.2500% | 859 |
| Equity capital to assets | 6.3151% | 3,972 |
| Core capital (leverage) ratio | 8.0388% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6073% | 439 |
| Memoranda: | ||
| Average total assets | $67,111,600 | 4,255 |
| Average earning assets | $64,787,400 | 4,209 |
| Average equity | $4,460,000 | 4,490 |
| Average total loans | $26,851,600 | 4,288 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4769% | 4,461 |
| Cost of funding earning assets | 0.2493% | 2,717 |
| Net interest margin | 2.2276% | 4,451 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.9356% | 3,654 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.3634% | 4,298 |
| Return on assets (ROA) | 0.3634% | 4,246 |
| Pretax return on assets | 0.4168% | 4,252 |
| Return on Equity (ROE) | 5.4000% | 3,904 |
| Retained earnings to average equity (ytd only) | 5.4034% | 2,953 |
| Net charge-offs to loans | 0.0348% | 1,164 |
| Credit loss provision to net charge-offs | 185.7143% | 1,017 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,496 |
| Efficiency ratio | 81.3953% | 691 |
| Assets per employee ($millions) | 6.0641% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5039% | 4,469 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 40.2500% | 4,059 |
| Net loans and leases to deposits | 42.9932% | 4,147 |
| Net loans and leases to core deposits | 46.7201% | 4,073 |
| Total domestic deposits to total assets | 93.6300% | 428 |
| Equity capital to assets | 6.2199% | 3,873 |
| Core capital (leverage) ratio | 7.9003% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3634% | 414 |
| Memoranda: | ||
| Average total assets | $67,504,250 | 4,285 |
| Average earning assets | $65,241,500 | 4,234 |
| Average equity | $4,540,250 | 4,521 |
| Average total loans | $26,834,250 | 4,319 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4252% | 4,444 |
| Cost of funding earning assets | 0.2532% | 2,221 |
| Net interest margin | 2.1720% | 4,472 |
| Noninterest income to average assets | 0.2243% | 3,849 |
| Noninterest expense to average assets | 1.9300% | 3,634 |
| Loan and lease loss provision to assets | 0.0207% | 2,232 |
| Net operating income to assets | 0.3335% | 4,227 |
| Return on assets (ROA) | 0.3335% | 4,183 |
| Pretax return on assets | 0.3748% | 4,198 |
| Return on Equity (ROE) | 4.8387% | 3,849 |
| Retained earnings to average equity (ytd only) | 4.8387% | 2,773 |
| Net charge-offs to loans | 0.0523% | 873 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 19.1429% | 1,563 |
| Efficiency ratio | 82.9949% | 739 |
| Assets per employee ($millions) | 5.7591% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4849% | 4,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 38.6071% | 4,143 |
| Net loans and leases to deposits | 41.2942% | 4,215 |
| Net loans and leases to core deposits | 45.7595% | 4,132 |
| Total domestic deposits to total assets | 93.4929% | 392 |
| Equity capital to assets | 6.3624% | 4,077 |
| Core capital (leverage) ratio | 7.7252% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3025% | 410 |
| Memoranda: | ||
| Average total assets | $67,770,667 | 4,325 |
| Average earning assets | $65,560,333 | 4,289 |
| Average equity | $4,670,667 | 4,556 |
| Average total loans | $26,783,333 | 4,376 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3751% | 4,399 |
| Cost of funding earning assets | 0.2646% | 1,980 |
| Net interest margin | 2.1105% | 4,433 |
| Noninterest income to average assets | 0.2146% | 3,871 |
| Noninterest expense to average assets | 1.9433% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2861% | 4,174 |
| Return on assets (ROA) | 0.2861% | 4,147 |
| Pretax return on assets | 0.3159% | 4,165 |
| Return on Equity (ROE) | 3.9938% | 3,879 |
| Retained earnings to average equity (ytd only) | 3.9938% | 2,936 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0158% | 735 |
| Assets per employee ($millions) | 5.6946% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4870% | 4,596 |
| 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 | 38.8747% | 4,075 |
| Net loans and leases to deposits | 41.7400% | 4,172 |
| Net loans and leases to core deposits | 45.6537% | 4,093 |
| Total domestic deposits to total assets | 93.1353% | 242 |
| Equity capital to assets | 6.6993% | 4,340 |
| Core capital (leverage) ratio | 7.7409% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1773% | 421 |
| Memoranda: | ||
| Average total assets | $67,101,500 | 4,352 |
| Average earning assets | $65,008,500 | 4,316 |
| Average equity | $4,807,500 | 4,579 |
| Average total loans | $26,769,500 | 4,397 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4798% | 4,497 |
| Cost of funding earning assets | 0.3697% | 1,758 |
| Net interest margin | 2.1100% | 4,535 |
| Noninterest income to average assets | 0.2411% | 3,936 |
| Noninterest expense to average assets | 1.9655% | 3,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2550% | 4,478 |
| Return on assets (ROA) | 0.2550% | 4,494 |
| Pretax return on assets | 0.3214% | 4,476 |
| Return on Equity (ROE) | 3.2543% | 4,323 |
| Retained earnings to average equity (ytd only) | 3.2543% | 3,519 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9459% | 477 |
| Assets per employee ($millions) | 5.0668% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4843% | 4,639 |
| 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 | 40.5569% | 4,062 |
| Net loans and leases to deposits | 43.9932% | 4,181 |
| Net loans and leases to core deposits | 47.6168% | 4,110 |
| Total domestic deposits to total assets | 92.1889% | 135 |
| Equity capital to assets | 7.6471% | 4,534 |
| Core capital (leverage) ratio | 7.7365% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4129% | 527 |
| Memoranda: | ||
| Average total assets | $64,715,800 | 4,397 |
| Average earning assets | $62,747,800 | 4,354 |
| Average equity | $5,070,200 | 4,625 |
| Average total loans | $26,470,600 | 4,447 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4953% | 4,570 |
| Cost of funding earning assets | 0.3906% | 1,773 |
| Net interest margin | 2.1047% | 4,624 |
| Noninterest income to average assets | 0.2401% | 3,962 |
| Noninterest expense to average assets | 1.8935% | 3,961 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3497% | 4,445 |
| Return on assets (ROA) | 0.3497% | 4,476 |
| Pretax return on assets | 0.3870% | 4,508 |
| Return on Equity (ROE) | 4.4369% | 4,238 |
| Retained earnings to average equity (ytd only) | 4.4369% | 3,431 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0309% | 574 |
| Assets per employee ($millions) | 5.1822% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4878% | 4,717 |
| 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 | 39.3683% | 4,237 |
| Net loans and leases to deposits | 42.6824% | 4,356 |
| Net loans and leases to core deposits | 46.0347% | 4,322 |
| Total domestic deposits to total assets | 92.2353% | 88 |
| Equity capital to assets | 7.6356% | 4,668 |
| Core capital (leverage) ratio | 7.6798% | 4,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4701% | 458 |
| Memoranda: | ||
| Average total assets | $64,427,750 | 4,460 |
| Average earning assets | $62,462,500 | 4,414 |
| Average equity | $5,078,500 | 4,693 |
| Average total loans | $26,377,250 | 4,507 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5492% | 4,583 |
| Cost of funding earning assets | 0.4097% | 1,806 |
| Net interest margin | 2.1395% | 4,635 |
| Noninterest income to average assets | 0.2459% | 3,927 |
| Noninterest expense to average assets | 1.9071% | 3,945 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3688% | 4,439 |
| Return on assets (ROA) | 0.3688% | 4,476 |
| Pretax return on assets | 0.4129% | 4,491 |
| Return on Equity (ROE) | 4.6276% | 4,207 |
| Retained earnings to average equity (ytd only) | 4.6276% | 3,319 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2011% | 660 |
| Assets per employee ($millions) | 5.5063% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4996% | 4,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 39.1867% | 4,324 |
| Net loans and leases to deposits | 42.5242% | 4,445 |
| Net loans and leases to core deposits | 46.1559% | 4,388 |
| Total domestic deposits to total assets | 92.1515% | 99 |
| Equity capital to assets | 7.7169% | 4,666 |
| Core capital (leverage) ratio | 7.9097% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,447,333 | 4,497 |
| Average earning assets | $61,510,333 | 4,456 |
| Average equity | $5,056,667 | 4,723 |
| Average total loans | $26,285,667 | 4,543 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6160% | 4,561 |
| Cost of funding earning assets | 0.4382% | 1,812 |
| Net interest margin | 2.1778% | 4,626 |
| Noninterest income to average assets | 0.2382% | 3,968 |
| Noninterest expense to average assets | 1.9056% | 3,975 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3927% | 4,369 |
| Return on assets (ROA) | 0.3927% | 4,395 |
| Pretax return on assets | 0.4442% | 4,430 |
| Return on Equity (ROE) | 4.8456% | 4,122 |
| Retained earnings to average equity (ytd only) | 4.8456% | 3,277 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0959% | 751 |
| Assets per employee ($millions) | 5.3418% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4964% | 4,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 40.6540% | 4,310 |
| Net loans and leases to deposits | 44.1875% | 4,414 |
| Net loans and leases to core deposits | 48.0865% | 4,372 |
| Total domestic deposits to total assets | 92.0034% | 145 |
| Equity capital to assets | 7.8640% | 4,567 |
| Core capital (leverage) ratio | 8.2074% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,133,000 | 4,529 |
| Average earning assets | $60,245,000 | 4,485 |
| Average equity | $5,035,500 | 4,744 |
| Average total loans | $26,417,000 | 4,561 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1231% | 4,538 |
| Cost of funding earning assets | 0.7808% | 1,298 |
| Net interest margin | 2.3423% | 4,695 |
| Noninterest income to average assets | 0.2429% | 4,038 |
| Noninterest expense to average assets | 2.1024% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3182% | 4,405 |
| Return on assets (ROA) | 0.3209% | 4,465 |
| Pretax return on assets | 0.4076% | 4,408 |
| Return on Equity (ROE) | 3.7325% | 4,219 |
| Retained earnings to average equity (ytd only) | 3.7325% | 2,966 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8754% | 645 |
| Assets per employee ($millions) | 5.0137% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4879% | 4,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 44.0695% | 4,243 |
| Net loans and leases to deposits | 48.1644% | 4,388 |
| Net loans and leases to core deposits | 52.1919% | 4,330 |
| Total domestic deposits to total assets | 91.4982% | 132 |
| Equity capital to assets | 8.3605% | 4,549 |
| Core capital (leverage) ratio | 8.3852% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,648,000 | 4,544 |
| Average earning assets | $55,713,800 | 4,502 |
| Average equity | $4,956,400 | 4,760 |
| Average total loans | $26,411,200 | 4,593 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2218% | 4,563 |
| Cost of funding earning assets | 0.8400% | 1,312 |
| Net interest margin | 2.3819% | 4,739 |
| Noninterest income to average assets | 0.2385% | 4,066 |
| Noninterest expense to average assets | 2.0484% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4077% | 4,252 |
| Return on assets (ROA) | 0.4115% | 4,304 |
| Pretax return on assets | 0.4957% | 4,287 |
| Return on Equity (ROE) | 4.7521% | 3,957 |
| Retained earnings to average equity (ytd only) | 4.7521% | 2,670 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6630% | 827 |
| Assets per employee ($millions) | 4.9980% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4884% | 4,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 44.1643% | 4,412 |
| Net loans and leases to deposits | 48.2891% | 4,545 |
| Net loans and leases to core deposits | 52.5305% | 4,504 |
| Total domestic deposits to total assets | 91.4582% | 106 |
| Equity capital to assets | 8.3750% | 4,536 |
| Core capital (leverage) ratio | 8.3267% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,019,000 | 4,569 |
| Average earning assets | $55,081,000 | 4,523 |
| Average equity | $4,938,000 | 4,788 |
| Average total loans | $26,353,000 | 4,619 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3291% | 4,618 |
| Cost of funding earning assets | 0.8915% | 1,412 |
| Net interest margin | 2.4376% | 4,772 |
| Noninterest income to average assets | 0.2320% | 4,091 |
| Noninterest expense to average assets | 2.0952% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4081% | 4,220 |
| Return on assets (ROA) | 0.4140% | 4,266 |
| Pretax return on assets | 0.4961% | 4,258 |
| Return on Equity (ROE) | 4.7254% | 3,908 |
| Retained earnings to average equity (ytd only) | 4.7254% | 2,596 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0773% | 813 |
| Assets per employee ($millions) | 4.9148% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4989% | 4,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 43.9629% | 4,452 |
| Net loans and leases to deposits | 49.0123% | 4,570 |
| Net loans and leases to core deposits | 54.3359% | 4,487 |
| Total domestic deposits to total assets | 89.6977% | 493 |
| Equity capital to assets | 8.4236% | 4,517 |
| Core capital (leverage) ratio | 8.5341% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,033,333 | 4,596 |
| Average earning assets | $54,068,667 | 4,548 |
| Average equity | $4,909,667 | 4,814 |
| Average total loans | $26,264,667 | 4,639 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4831% | 4,644 |
| Cost of funding earning assets | 0.9430% | 1,673 |
| Net interest margin | 2.5400% | 4,798 |
| Noninterest income to average assets | 0.2346% | 4,145 |
| Noninterest expense to average assets | 2.1700% | 4,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4179% | 4,094 |
| Return on assets (ROA) | 0.4179% | 4,134 |
| Pretax return on assets | 0.5132% | 4,103 |
| Return on Equity (ROE) | 4.6717% | 3,759 |
| Retained earnings to average equity (ytd only) | 4.6717% | 2,429 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8743% | 1,053 |
| Assets per employee ($millions) | 4.2648% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5042% | 4,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 46.2718% | 4,412 |
| Net loans and leases to deposits | 50.8947% | 4,565 |
| Net loans and leases to core deposits | 56.9039% | 4,465 |
| Total domestic deposits to total assets | 90.9166% | 118 |
| Equity capital to assets | 8.8597% | 4,670 |
| Core capital (leverage) ratio | 8.9369% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6522% | 367 |
| Memoranda: | ||
| Average total assets | $54,561,500 | 4,630 |
| Average earning assets | $52,597,500 | 4,592 |
| Average equity | $4,880,500 | 4,852 |
| Average total loans | $26,368,000 | 4,670 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5738% | 4,804 |
| Cost of funding earning assets | 0.9830% | 1,797 |
| Net interest margin | 2.5908% | 4,914 |
| Noninterest income to average assets | 0.2627% | 4,106 |
| Noninterest expense to average assets | 2.2854% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3753% | 4,639 |
| Return on assets (ROA) | 0.3753% | 4,668 |
| Pretax return on assets | 0.4747% | 4,615 |
| Return on Equity (ROE) | 4.2171% | 4,411 |
| Retained earnings to average equity (ytd only) | 4.2171% | 2,850 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8008% | 746 |
| Assets per employee ($millions) | 4.4734% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4823% | 4,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 49.9655% | 4,327 |
| Net loans and leases to deposits | 55.1394% | 4,496 |
| Net loans and leases to core deposits | 60.9688% | 4,395 |
| Total domestic deposits to total assets | 90.6168% | 173 |
| Equity capital to assets | 9.0330% | 4,671 |
| Core capital (leverage) ratio | 9.0226% | 4,518 |
| Tier 1 risk-based capital ratio | 24.8871% | 760 |
| Total risk-based capital ratio | 25.5542% | 786 |
| Memoranda: | ||
| Average total assets | $53,295,400 | 4,692 |
| Average earning assets | $51,373,800 | 4,647 |
| Average equity | $4,742,600 | 4,914 |
| Average total loans | $27,044,200 | 4,706 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5677% | 4,910 |
| Cost of funding earning assets | 0.9829% | 1,837 |
| Net interest margin | 2.5848% | 5,012 |
| Noninterest income to average assets | 0.2682% | 4,134 |
| Noninterest expense to average assets | 2.1955% | 4,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4612% | 4,604 |
| Return on assets (ROA) | 0.4612% | 4,637 |
| Pretax return on assets | 0.5639% | 4,604 |
| Return on Equity (ROE) | 5.2021% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.2021% | 2,795 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5640% | 959 |
| Assets per employee ($millions) | 4.5283% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4769% | 5,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 49.9301% | 4,432 |
| Net loans and leases to deposits | 54.9542% | 4,594 |
| Net loans and leases to core deposits | 61.6076% | 4,470 |
| Total domestic deposits to total assets | 90.8576% | 118 |
| Equity capital to assets | 8.8903% | 4,832 |
| Core capital (leverage) ratio | 9.0411% | 4,605 |
| Tier 1 risk-based capital ratio | 23.8822% | 855 |
| Total risk-based capital ratio | 24.5245% | 896 |
| Memoranda: | ||
| Average total assets | $53,199,000 | 4,766 |
| Average earning assets | $51,273,250 | 4,720 |
| Average equity | $4,716,000 | 4,986 |
| Average total loans | $27,067,250 | 4,770 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5581% | 4,964 |
| Cost of funding earning assets | 0.9672% | 1,837 |
| Net interest margin | 2.5909% | 5,078 |
| Noninterest income to average assets | 0.2688% | 4,139 |
| Noninterest expense to average assets | 2.2341% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4430% | 4,652 |
| Return on assets (ROA) | 0.4430% | 4,680 |
| Pretax return on assets | 0.5301% | 4,654 |
| Return on Equity (ROE) | 5.0025% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.0025% | 2,770 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8219% | 897 |
| Assets per employee ($millions) | 4.4229% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4811% | 5,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 50.6642% | 4,434 |
| Net loans and leases to deposits | 55.7491% | 4,601 |
| Net loans and leases to core deposits | 62.2526% | 4,488 |
| Total domestic deposits to total assets | 90.8789% | 119 |
| Equity capital to assets | 8.9647% | 4,814 |
| Core capital (leverage) ratio | 8.9373% | 4,685 |
| Tier 1 risk-based capital ratio | 23.8124% | 866 |
| Total risk-based capital ratio | 24.4618% | 900 |
| Memoranda: | ||
| Average total assets | $52,818,670 | 4,806 |
| Average earning assets | $50,869,670 | 4,763 |
| Average equity | $4,677,670 | 5,022 |
| Average total loans | $27,002,330 | 4,809 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5189% | 5,033 |
| Cost of funding earning assets | 0.9231% | 1,907 |
| Net interest margin | 2.5958% | 5,140 |
| Noninterest income to average assets | 0.2733% | 4,053 |
| Noninterest expense to average assets | 2.2547% | 4,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4327% | 4,663 |
| Return on assets (ROA) | 0.4327% | 4,678 |
| Pretax return on assets | 0.5162% | 4,647 |
| Return on Equity (ROE) | 4.9164% | 4,342 |
| Retained earnings to average equity (ytd only) | 4.9164% | 2,941 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3699% | 933 |
| Assets per employee ($millions) | 4.4698% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4831% | 5,099 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 49.9236% | 4,477 |
| Net loans and leases to deposits | 54.8112% | 4,649 |
| Net loans and leases to core deposits | 61.9030% | 4,486 |
| Total domestic deposits to total assets | 91.0828% | 157 |
| Equity capital to assets | 8.7196% | 4,867 |
| Core capital (leverage) ratio | 8.8486% | 4,755 |
| Tier 1 risk-based capital ratio | 23.6854% | 867 |
| Total risk-based capital ratio | 24.3396% | 905 |
| Memoranda: | ||
| Average total assets | $52,690,500 | 4,861 |
| Average earning assets | $50,697,000 | 4,815 |
| Average equity | $4,637,500 | 5,067 |
| Average total loans | $26,993,500 | 4,865 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3482% | 5,047 |
| Cost of funding earning assets | 0.7129% | 2,003 |
| Net interest margin | 2.6353% | 5,135 |
| Noninterest income to average assets | 0.2658% | 4,337 |
| Noninterest expense to average assets | 2.2077% | 4,318 |
| Loan and lease loss provision to assets | 0.0039% | 4,031 |
| Net operating income to assets | 0.4643% | 4,739 |
| Return on assets (ROA) | 0.4643% | 4,737 |
| Pretax return on assets | 0.5895% | 4,653 |
| Return on Equity (ROE) | 5.3804% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.3804% | 2,543 |
| Net charge-offs to loans | 0.0810% | 1,981 |
| Credit loss provision to net charge-offs | 9.0909% | 3,433 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,408 |
| Efficiency ratio | 78.8171% | 1,054 |
| Assets per employee ($millions) | 4.3119% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4801% | 5,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 52.0824% | 4,404 |
| Net loans and leases to deposits | 57.3310% | 4,602 |
| Net loans and leases to core deposits | 63.5095% | 4,472 |
| Total domestic deposits to total assets | 90.8451% | 241 |
| Equity capital to assets | 8.8862% | 4,671 |
| Core capital (leverage) ratio | 8.9538% | 4,690 |
| Tier 1 risk-based capital ratio | 23.6557% | 853 |
| Total risk-based capital ratio | 24.3170% | 883 |
| Memoranda: | ||
| Average total assets | $51,909,000 | 4,899 |
| Average earning assets | $49,937,200 | 4,858 |
| Average equity | $4,479,200 | 5,111 |
| Average total loans | $27,166,600 | 4,884 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3059% | 5,121 |
| Cost of funding earning assets | 0.6724% | 2,021 |
| Net interest margin | 2.6335% | 5,206 |
| Noninterest income to average assets | 0.2643% | 4,388 |
| Noninterest expense to average assets | 2.1635% | 4,404 |
| Loan and lease loss provision to assets | 0.0026% | 3,916 |
| Net operating income to assets | 0.5030% | 4,757 |
| Return on assets (ROA) | 0.5030% | 4,762 |
| Pretax return on assets | 0.6314% | 4,678 |
| Return on Equity (ROE) | 5.8732% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.8732% | 2,719 |
| Net charge-offs to loans | 0.0540% | 2,046 |
| Credit loss provision to net charge-offs | 9.0909% | 3,057 |
| Earnings coverage of net charge-offs (x) | 22.4492% | 1,875 |
| Efficiency ratio | 77.3394% | 1,197 |
| Assets per employee ($millions) | 4.2798% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5204% | 5,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 4,488 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 52.1058% | 4,478 |
| Net loans and leases to deposits | 57.2443% | 4,687 |
| Net loans and leases to core deposits | 63.5735% | 4,544 |
| Total domestic deposits to total assets | 91.0236% | 212 |
| Equity capital to assets | 8.8284% | 4,692 |
| Core capital (leverage) ratio | 8.9292% | 4,767 |
| Tier 1 risk-based capital ratio | 23.3551% | 907 |
| Total risk-based capital ratio | 24.0653% | 932 |
| Memoranda: | ||
| Average total assets | $51,950,500 | 4,951 |
| Average earning assets | $49,970,750 | 4,910 |
| Average equity | $4,449,500 | 5,180 |
| Average total loans | $27,188,500 | 4,939 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2657% | 5,171 |
| Cost of funding earning assets | 0.6460% | 1,950 |
| Net interest margin | 2.6198% | 5,265 |
| Noninterest income to average assets | 0.2608% | 4,442 |
| Noninterest expense to average assets | 2.1132% | 4,573 |
| Loan and lease loss provision to assets | 0.0038% | 3,739 |
| Net operating income to assets | 0.5101% | 4,729 |
| Return on assets (ROA) | 0.5101% | 4,735 |
| Pretax return on assets | 0.6635% | 4,609 |
| Return on Equity (ROE) | 6.0163% | 4,236 |
| Retained earnings to average equity (ytd only) | 6.0163% | 2,551 |
| Net charge-offs to loans | 0.0147% | 2,651 |
| Credit loss provision to net charge-offs | 50.0000% | 2,490 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 773 |
| Efficiency ratio | 76.0000% | 1,428 |
| Assets per employee ($millions) | 4.2995% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5440% | 5,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 4,415 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 52.8027% | 4,423 |
| Net loans and leases to deposits | 57.9010% | 4,648 |
| Net loans and leases to core deposits | 64.3237% | 4,473 |
| Total domestic deposits to total assets | 91.1947% | 206 |
| Equity capital to assets | 8.6754% | 4,822 |
| Core capital (leverage) ratio | 8.7693% | 4,910 |
| Tier 1 risk-based capital ratio | 22.6506% | 966 |
| Total risk-based capital ratio | 23.3939% | 1,004 |
| Memoranda: | ||
| Average total assets | $52,148,330 | 5,010 |
| Average earning assets | $50,157,330 | 4,962 |
| Average equity | $4,421,330 | 5,241 |
| Average total loans | $27,284,670 | 4,987 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2116% | 5,219 |
| Cost of funding earning assets | 0.6344% | 1,813 |
| Net interest margin | 2.5772% | 5,336 |
| Noninterest income to average assets | 0.2594% | 4,440 |
| Noninterest expense to average assets | 2.0601% | 4,741 |
| Loan and lease loss provision to assets | 0.0076% | 3,411 |
| Net operating income to assets | 0.5570% | 4,554 |
| Return on assets (ROA) | 0.5570% | 4,556 |
| Pretax return on assets | 0.6714% | 4,515 |
| Return on Equity (ROE) | 6.6454% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.6454% | 2,431 |
| Net charge-offs to loans | 0.0147% | 2,239 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 659 |
| Efficiency ratio | 75.2089% | 1,716 |
| Assets per employee ($millions) | 4.3959% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5535% | 5,256 |
| Loan loss allowance to noncurrent loans | 245.9016% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 4,517 |
| Noncurrent loans to loans | 0.2251% | 3,973 |
| Net loans and leases to total assets | 51.0910% | 4,494 |
| Net loans and leases to deposits | 55.8906% | 4,696 |
| Net loans and leases to core deposits | 61.8327% | 4,560 |
| Total domestic deposits to total assets | 91.4125% | 205 |
| Equity capital to assets | 8.3828% | 5,059 |
| Core capital (leverage) ratio | 8.5375% | 5,122 |
| Tier 1 risk-based capital ratio | 20.2302% | 1,307 |
| Total risk-based capital ratio | 20.9072% | 1,372 |
| Memoranda: | ||
| Average total assets | $52,425,500 | 5,069 |
| Average earning assets | $50,442,500 | 5,021 |
| Average equity | $4,394,000 | 5,303 |
| Average total loans | $27,231,000 | 5,036 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1840% | 5,212 |
| Cost of funding earning assets | 0.5728% | 1,801 |
| Net interest margin | 2.6112% | 5,343 |
| Noninterest income to average assets | 0.2627% | 4,566 |
| Noninterest expense to average assets | 2.1331% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4901% | 4,398 |
| Return on assets (ROA) | 0.4901% | 4,433 |
| Pretax return on assets | 0.6411% | 4,643 |
| Return on Equity (ROE) | 5.8788% | 3,812 |
| Retained earnings to average equity (ytd only) | 5.8788% | 1,609 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8905% | 1,501 |
| Assets per employee ($millions) | 4.3417% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5482% | 5,327 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 4,559 |
| Noncurrent loans to loans | 0.2193% | 4,029 |
| Net loans and leases to total assets | 52.2284% | 4,506 |
| Net loans and leases to deposits | 57.0844% | 4,742 |
| Net loans and leases to core deposits | 63.8561% | 4,538 |
| Total domestic deposits to total assets | 91.4933% | 142 |
| Equity capital to assets | 8.3800% | 5,206 |
| Core capital (leverage) ratio | 8.4895% | 5,145 |
| Tier 1 risk-based capital ratio | 19.7324% | 1,373 |
| Total risk-based capital ratio | 20.4037% | 1,446 |
| Memoranda: | ||
| Average total assets | $51,005,600 | 5,140 |
| Average earning assets | $49,057,200 | 5,084 |
| Average equity | $4,252,600 | 5,385 |
| Average total loans | $27,757,200 | 5,071 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1775% | 5,259 |
| Cost of funding earning assets | 0.5574% | 1,833 |
| Net interest margin | 2.6201% | 5,391 |
| Noninterest income to average assets | 0.2575% | 4,659 |
| Noninterest expense to average assets | 2.0762% | 4,788 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5335% | 4,642 |
| Return on assets (ROA) | 0.5335% | 4,674 |
| Pretax return on assets | 0.7017% | 4,603 |
| Return on Equity (ROE) | 6.4073% | 3,945 |
| Retained earnings to average equity (ytd only) | 6.4073% | 2,005 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7398% | 1,786 |
| Assets per employee ($millions) | 4.3027% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5427% | 5,415 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 4,665 |
| Noncurrent loans to loans | 0.2171% | 4,194 |
| Net loans and leases to total assets | 53.2441% | 4,476 |
| Net loans and leases to deposits | 58.2066% | 4,742 |
| Net loans and leases to core deposits | 64.4859% | 4,585 |
| Total domestic deposits to total assets | 91.4743% | 103 |
| Equity capital to assets | 8.4018% | 5,342 |
| Core capital (leverage) ratio | 8.4383% | 5,283 |
| Tier 1 risk-based capital ratio | 19.2479% | 1,532 |
| Total risk-based capital ratio | 19.9100% | 1,638 |
| Memoranda: | ||
| Average total assets | $50,732,000 | 5,198 |
| Average earning assets | $48,800,250 | 5,143 |
| Average equity | $4,224,250 | 5,449 |
| Average total loans | $27,856,250 | 5,125 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1715% | 5,275 |
| Cost of funding earning assets | 0.5444% | 1,810 |
| Net interest margin | 2.6271% | 5,417 |
| Noninterest income to average assets | 0.2578% | 4,690 |
| Noninterest expense to average assets | 2.1098% | 4,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5195% | 4,655 |
| Return on assets (ROA) | 0.5195% | 4,686 |
| Pretax return on assets | 0.6742% | 4,612 |
| Return on Equity (ROE) | 6.2585% | 3,925 |
| Retained earnings to average equity (ytd only) | 6.2585% | 1,985 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7835% | 1,750 |
| Assets per employee ($millions) | 4.3018% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5356% | 5,475 |
| Loan loss allowance to noncurrent loans | 245.9016% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,727 |
| Noncurrent loans to loans | 0.2178% | 4,254 |
| Net loans and leases to total assets | 53.9654% | 4,392 |
| Net loans and leases to deposits | 58.9201% | 4,705 |
| Net loans and leases to core deposits | 65.2596% | 4,523 |
| Total domestic deposits to total assets | 91.5908% | 122 |
| Equity capital to assets | 8.2659% | 5,417 |
| Core capital (leverage) ratio | 8.4243% | 5,268 |
| Tier 1 risk-based capital ratio | 18.8735% | 1,618 |
| Total risk-based capital ratio | 19.5336% | 1,740 |
| Memoranda: | ||
| Average total assets | $50,432,000 | 5,240 |
| Average earning assets | $48,494,670 | 5,184 |
| Average equity | $4,186,330 | 5,495 |
| Average total loans | $27,928,000 | 5,166 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1564% | 5,299 |
| Cost of funding earning assets | 0.5344% | 1,830 |
| Net interest margin | 2.6220% | 5,454 |
| Noninterest income to average assets | 0.2488% | 4,757 |
| Noninterest expense to average assets | 2.1189% | 4,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4896% | 4,640 |
| Return on assets (ROA) | 0.4896% | 4,661 |
| Pretax return on assets | 0.6501% | 4,593 |
| Return on Equity (ROE) | 5.8852% | 3,967 |
| Retained earnings to average equity (ytd only) | 5.8852% | 2,396 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5217% | 1,827 |
| Assets per employee ($millions) | 4.2132% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5387% | 5,560 |
| Loan loss allowance to noncurrent loans | 245.9016% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 4,780 |
| Noncurrent loans to loans | 0.2191% | 4,320 |
| Net loans and leases to total assets | 54.7826% | 4,270 |
| Net loans and leases to deposits | 59.9035% | 4,571 |
| Net loans and leases to core deposits | 65.2093% | 4,480 |
| Total domestic deposits to total assets | 91.4514% | 183 |
| Equity capital to assets | 8.2796% | 5,367 |
| Core capital (leverage) ratio | 8.4647% | 5,250 |
| Tier 1 risk-based capital ratio | 18.8528% | 1,645 |
| Total risk-based capital ratio | 19.5229% | 1,751 |
| Memoranda: | ||
| Average total assets | $49,837,000 | 5,310 |
| Average earning assets | $47,902,500 | 5,249 |
| Average equity | $4,146,000 | 5,555 |
| Average total loans | $27,888,000 | 5,222 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2080% | 5,290 |
| Cost of funding earning assets | 0.5455% | 1,737 |
| Net interest margin | 2.6625% | 5,460 |
| Noninterest income to average assets | 0.1827% | 5,307 |
| Noninterest expense to average assets | 2.2719% | 4,612 |
| Loan and lease loss provision to assets | 0.0125% | 4,129 |
| Net operating income to assets | 0.3514% | 5,080 |
| Return on assets (ROA) | 0.3530% | 5,162 |
| Pretax return on assets | 0.4548% | 5,109 |
| Return on Equity (ROE) | 4.1734% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.1734% | 2,939 |
| Net charge-offs to loans | 0.0036% | 4,127 |
| Credit loss provision to net charge-offs | 600.0000% | 568 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 311 |
| Efficiency ratio | 83.0046% | 1,097 |
| Assets per employee ($millions) | 4.0930% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5371% | 5,618 |
| Loan loss allowance to noncurrent loans | 245.9016% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 4,814 |
| Noncurrent loans to loans | 0.2184% | 4,369 |
| Net loans and leases to total assets | 56.5579% | 4,211 |
| Net loans and leases to deposits | 61.8466% | 4,557 |
| Net loans and leases to core deposits | 66.9842% | 4,470 |
| Total domestic deposits to total assets | 91.4488% | 167 |
| Equity capital to assets | 8.3598% | 5,383 |
| Core capital (leverage) ratio | 8.4291% | 5,338 |
| Tier 1 risk-based capital ratio | 18.7517% | 1,667 |
| Total risk-based capital ratio | 19.4282% | 1,768 |
| Memoranda: | ||
| Average total assets | $48,153,400 | 5,383 |
| Average earning assets | $46,196,800 | 5,330 |
| Average equity | $4,073,400 | 5,629 |
| Average total loans | $27,454,400 | 5,286 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2156% | 5,342 |
| Cost of funding earning assets | 0.5456% | 1,741 |
| Net interest margin | 2.6700% | 5,524 |
| Noninterest income to average assets | 0.1614% | 5,465 |
| Noninterest expense to average assets | 2.1622% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4397% | 4,903 |
| Return on assets (ROA) | 0.4397% | 4,986 |
| Pretax return on assets | 0.5593% | 4,977 |
| Return on Equity (ROE) | 5.1820% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.1820% | 2,707 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4479% | 1,505 |
| Assets per employee ($millions) | 4.1086% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5238% | 5,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 55.8566% | 4,323 |
| Net loans and leases to deposits | 61.1231% | 4,676 |
| Net loans and leases to core deposits | 66.9902% | 4,548 |
| Total domestic deposits to total assets | 91.3839% | 129 |
| Equity capital to assets | 8.4214% | 5,575 |
| Core capital (leverage) ratio | 8.5702% | 5,293 |
| Tier 1 risk-based capital ratio | 18.6892% | 1,742 |
| Total risk-based capital ratio | 19.3419% | 1,855 |
| Memoranda: | ||
| Average total assets | $47,912,750 | 5,442 |
| Average earning assets | $45,942,000 | 5,385 |
| Average equity | $4,065,250 | 5,693 |
| Average total loans | $27,335,750 | 5,341 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2309% | 5,388 |
| Cost of funding earning assets | 0.5546% | 1,659 |
| Net interest margin | 2.6763% | 5,598 |
| Noninterest income to average assets | 0.1096% | 5,744 |
| Noninterest expense to average assets | 2.1244% | 5,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4299% | 4,940 |
| Return on assets (ROA) | 0.4299% | 5,028 |
| Pretax return on assets | 0.5480% | 5,031 |
| Return on Equity (ROE) | 5.0541% | 4,490 |
| Retained earnings to average equity (ytd only) | 5.0541% | 2,700 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4953% | 1,563 |
| Assets per employee ($millions) | 3.9776% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5291% | 5,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 57.1117% | 4,206 |
| Net loans and leases to deposits | 62.5803% | 4,606 |
| Net loans and leases to core deposits | 68.8958% | 4,409 |
| Total domestic deposits to total assets | 91.2614% | 145 |
| Equity capital to assets | 8.5919% | 5,544 |
| Core capital (leverage) ratio | 8.5292% | 5,340 |
| Tier 1 risk-based capital ratio | 18.8830% | 1,716 |
| Total risk-based capital ratio | 19.5506% | 1,815 |
| Memoranda: | ||
| Average total assets | $47,449,330 | 5,513 |
| Average earning assets | $45,435,670 | 5,463 |
| Average equity | $4,036,330 | 5,756 |
| Average total loans | $27,219,670 | 5,396 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2356% | 5,436 |
| Cost of funding earning assets | 0.5481% | 1,731 |
| Net interest margin | 2.6875% | 5,633 |
| Noninterest income to average assets | 0.1184% | 5,748 |
| Noninterest expense to average assets | 2.1645% | 4,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4058% | 4,974 |
| Return on assets (ROA) | 0.4058% | 5,055 |
| Pretax return on assets | 0.5242% | 5,020 |
| Return on Equity (ROE) | 4.7952% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.7952% | 3,068 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5031% | 1,546 |
| Assets per employee ($millions) | 4.0054% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5357% | 5,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 56.0158% | 4,256 |
| Net loans and leases to deposits | 61.2898% | 4,629 |
| Net loans and leases to core deposits | 67.0769% | 4,468 |
| Total domestic deposits to total assets | 91.3950% | 178 |
| Equity capital to assets | 8.3970% | 5,639 |
| Core capital (leverage) ratio | 8.4836% | 5,405 |
| Tier 1 risk-based capital ratio | 18.9137% | 1,753 |
| Total risk-based capital ratio | 19.5932% | 1,857 |
| Memoranda: | ||
| Average total assets | $47,308,500 | 5,570 |
| Average earning assets | $45,247,000 | 5,517 |
| Average equity | $4,004,000 | 5,813 |
| Average total loans | $27,127,000 | 5,444 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2840% | 5,372 |
| Cost of funding earning assets | 0.5473% | 1,788 |
| Net interest margin | 2.7367% | 5,612 |
| Noninterest income to average assets | 0.1412% | 5,705 |
| Noninterest expense to average assets | 2.1976% | 5,051 |
| Loan and lease loss provision to assets | 0.0174% | 4,059 |
| Net operating income to assets | 0.3952% | 5,069 |
| Return on assets (ROA) | 0.3952% | 5,146 |
| Pretax return on assets | 0.5429% | 5,009 |
| Return on Equity (ROE) | 4.6775% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.6775% | 2,659 |
| Net charge-offs to loans | 0.0147% | 4,000 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 830 |
| Efficiency ratio | 79.6850% | 1,717 |
| Assets per employee ($millions) | 3.8793% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5334% | 5,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 58.0856% | 4,079 |
| Net loans and leases to deposits | 63.6370% | 4,495 |
| Net loans and leases to core deposits | 69.3422% | 4,349 |
| Total domestic deposits to total assets | 91.2764% | 218 |
| Equity capital to assets | 8.5324% | 5,538 |
| Core capital (leverage) ratio | 8.3879% | 5,537 |
| Tier 1 risk-based capital ratio | 18.7766% | 1,753 |
| Total risk-based capital ratio | 19.4620% | 1,872 |
| Memoranda: | ||
| Average total assets | $46,050,000 | 5,632 |
| Average earning assets | $44,031,400 | 5,579 |
| Average equity | $3,891,000 | 5,872 |
| Average total loans | $27,177,800 | 5,473 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2883% | 5,429 |
| Cost of funding earning assets | 0.5374% | 1,912 |
| Net interest margin | 2.7509% | 5,663 |
| Noninterest income to average assets | 0.1481% | 5,745 |
| Noninterest expense to average assets | 2.1397% | 5,191 |
| Loan and lease loss provision to assets | 0.0203% | 3,868 |
| Net operating income to assets | 0.4790% | 4,859 |
| Return on assets (ROA) | 0.4790% | 4,960 |
| Pretax return on assets | 0.6184% | 4,930 |
| Return on Equity (ROE) | 5.6834% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.6834% | 2,456 |
| Net charge-offs to loans | 0.0245% | 3,444 |
| Credit loss provision to net charge-offs | 140.0000% | 1,771 |
| Earnings coverage of net charge-offs (x) | 43.9775% | 1,148 |
| Efficiency ratio | 77.0115% | 2,090 |
| Assets per employee ($millions) | 3.8915% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5309% | 5,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 57.3729% | 4,213 |
| Net loans and leases to deposits | 62.8286% | 4,658 |
| Net loans and leases to core deposits | 68.2668% | 4,521 |
| Total domestic deposits to total assets | 91.3165% | 184 |
| Equity capital to assets | 8.4950% | 5,714 |
| Core capital (leverage) ratio | 8.3505% | 5,674 |
| Tier 1 risk-based capital ratio | 18.8039% | 1,822 |
| Total risk-based capital ratio | 19.4810% | 1,933 |
| Memoranda: | ||
| Average total assets | $45,924,500 | 5,707 |
| Average earning assets | $43,911,750 | 5,656 |
| Average equity | $3,870,750 | 5,954 |
| Average total loans | $27,176,000 | 5,536 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3192% | 5,401 |
| Cost of funding earning assets | 0.5364% | 1,931 |
| Net interest margin | 2.7829% | 5,651 |
| Noninterest income to average assets | 0.1445% | 5,843 |
| Noninterest expense to average assets | 2.1460% | 5,232 |
| Loan and lease loss provision to assets | 0.0307% | 3,513 |
| Net operating income to assets | 0.4949% | 4,792 |
| Return on assets (ROA) | 0.4949% | 4,896 |
| Pretax return on assets | 0.6263% | 4,903 |
| Return on Equity (ROE) | 5.8875% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.8875% | 2,309 |
| Net charge-offs to loans | 0.0440% | 2,820 |
| Credit loss provision to net charge-offs | 116.6667% | 1,848 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,539 |
| Efficiency ratio | 76.5625% | 2,271 |
| Assets per employee ($millions) | 3.9382% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5241% | 6,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 57.0358% | 4,218 |
| Net loans and leases to deposits | 62.2782% | 4,684 |
| Net loans and leases to core deposits | 67.5370% | 4,529 |
| Total domestic deposits to total assets | 91.5824% | 169 |
| Equity capital to assets | 8.2568% | 5,851 |
| Core capital (leverage) ratio | 8.4080% | 5,627 |
| Tier 1 risk-based capital ratio | 18.4228% | 1,941 |
| Total risk-based capital ratio | 19.0901% | 2,074 |
| Memoranda: | ||
| Average total assets | $45,666,670 | 5,777 |
| Average earning assets | $43,624,330 | 5,721 |
| Average equity | $3,838,670 | 6,018 |
| Average total loans | $27,256,330 | 5,583 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3682% | 5,287 |
| Cost of funding earning assets | 0.5225% | 2,085 |
| Net interest margin | 2.8457% | 5,558 |
| Noninterest income to average assets | 0.1248% | 5,976 |
| Noninterest expense to average assets | 2.1840% | 5,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5170% | 4,591 |
| Return on assets (ROA) | 0.5170% | 4,717 |
| Pretax return on assets | 0.6597% | 4,726 |
| Return on Equity (ROE) | 6.0940% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.0940% | 2,438 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8025% | 2,376 |
| Assets per employee ($millions) | 3.8010% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5145% | 6,159 |
| 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 | 59.7737% | 3,686 |
| Net loans and leases to deposits | 65.4409% | 4,209 |
| Net loans and leases to core deposits | 69.7396% | 4,183 |
| Total domestic deposits to total assets | 91.3400% | 267 |
| Equity capital to assets | 8.4451% | 5,774 |
| Core capital (leverage) ratio | 8.6019% | 5,420 |
| Tier 1 risk-based capital ratio | 13.3927% | 4,376 |
| Total risk-based capital ratio | 13.8797% | 4,741 |
| Memoranda: | ||
| Average total assets | $44,871,000 | 5,846 |
| Average earning assets | $42,872,000 | 5,787 |
| Average equity | $3,807,000 | 6,083 |
| Average total loans | $27,336,500 | 5,624 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3007% | 5,704 |
| Cost of funding earning assets | 0.5563% | 2,161 |
| Net interest margin | 2.7444% | 5,881 |
| Noninterest income to average assets | 0.1309% | 6,039 |
| Noninterest expense to average assets | 2.2011% | 5,355 |
| Loan and lease loss provision to assets | 0.0466% | 3,639 |
| Net operating income to assets | 0.3705% | 5,322 |
| Return on assets (ROA) | 0.3705% | 5,390 |
| Pretax return on assets | 0.4992% | 5,256 |
| Return on Equity (ROE) | 4.5559% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.5559% | 2,931 |
| Net charge-offs to loans | 0.0783% | 3,373 |
| Credit loss provision to net charge-offs | 105.0000% | 2,287 |
| Earnings coverage of net charge-offs (x) | 12.3000% | 2,395 |
| Efficiency ratio | 80.1292% | 1,908 |
| Assets per employee ($millions) | 3.6775% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5171% | 6,238 |
| 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 | 61.4707% | 3,575 |
| Net loans and leases to deposits | 67.3294% | 4,191 |
| Net loans and leases to core deposits | 71.1733% | 4,203 |
| Total domestic deposits to total assets | 91.2984% | 273 |
| Equity capital to assets | 8.5248% | 5,731 |
| Core capital (leverage) ratio | 8.4140% | 5,647 |
| Tier 1 risk-based capital ratio | 18.3342% | 2,038 |
| Total risk-based capital ratio | 19.0134% | 2,181 |
| Memoranda: | ||
| Average total assets | $45,069,000 | 5,906 |
| Average earning assets | $42,960,200 | 5,857 |
| Average equity | $3,665,600 | 6,152 |
| Average total loans | $25,535,600 | 5,760 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2550% | 5,836 |
| Cost of funding earning assets | 0.5590% | 2,206 |
| Net interest margin | 2.6960% | 6,007 |
| Noninterest income to average assets | 0.1236% | 6,145 |
| Noninterest expense to average assets | 2.1278% | 5,514 |
| Loan and lease loss provision to assets | 0.0589% | 3,192 |
| Net operating income to assets | 0.3905% | 5,284 |
| Return on assets (ROA) | 0.3973% | 5,335 |
| Pretax return on assets | 0.5150% | 5,284 |
| Return on Equity (ROE) | 4.9430% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.9430% | 3,116 |
| Net charge-offs to loans | 0.1062% | 2,737 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 9.5984% | 2,650 |
| Efficiency ratio | 79.0164% | 2,053 |
| Assets per employee ($millions) | 3.5224% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5208% | 6,311 |
| Loan loss allowance to noncurrent loans | 933.3333% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 6,040 |
| Noncurrent loans to loans | 0.0558% | 5,791 |
| Net loans and leases to total assets | 58.4023% | 4,019 |
| Net loans and leases to deposits | 63.6890% | 4,575 |
| Net loans and leases to core deposits | 68.6440% | 4,448 |
| Total domestic deposits to total assets | 91.6992% | 198 |
| Equity capital to assets | 8.1261% | 6,062 |
| Core capital (leverage) ratio | 8.1834% | 5,949 |
| Tier 1 risk-based capital ratio | 17.8600% | 2,254 |
| Total risk-based capital ratio | 18.5225% | 2,449 |
| Memoranda: | ||
| Average total assets | $45,303,750 | 5,965 |
| Average earning assets | $43,173,750 | 5,916 |
| Average equity | $3,641,500 | 6,228 |
| Average total loans | $25,102,500 | 5,838 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1922% | 5,966 |
| Cost of funding earning assets | 0.5677% | 2,184 |
| Net interest margin | 2.6245% | 6,144 |
| Noninterest income to average assets | 0.1196% | 6,201 |
| Noninterest expense to average assets | 2.0779% | 5,670 |
| Loan and lease loss provision to assets | 0.0886% | 2,550 |
| Net operating income to assets | 0.3633% | 5,360 |
| Return on assets (ROA) | 0.3633% | 5,428 |
| Pretax return on assets | 0.4519% | 5,414 |
| Return on Equity (ROE) | 4.5367% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.5367% | 3,289 |
| Net charge-offs to loans | 0.1632% | 2,088 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 6.1000% | 2,823 |
| Efficiency ratio | 79.3570% | 2,116 |
| Assets per employee ($millions) | 3.5545% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5515% | 6,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 5,835 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 54.6334% | 4,460 |
| Net loans and leases to deposits | 59.4616% | 4,911 |
| Net loans and leases to core deposits | 64.3185% | 4,789 |
| Total domestic deposits to total assets | 91.8802% | 189 |
| Equity capital to assets | 7.9532% | 6,181 |
| Core capital (leverage) ratio | 8.0891% | 6,026 |
| Tier 1 risk-based capital ratio | 17.9291% | 2,269 |
| Total risk-based capital ratio | 18.6036% | 2,434 |
| Memoranda: | ||
| Average total assets | $45,141,330 | 6,026 |
| Average earning assets | $42,980,000 | 5,978 |
| Average equity | $3,615,000 | 6,278 |
| Average total loans | $24,509,000 | 5,907 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1497% | 6,065 |
| Cost of funding earning assets | 0.5735% | 2,216 |
| Net interest margin | 2.5762% | 6,267 |
| Noninterest income to average assets | 0.0986% | 6,340 |
| Noninterest expense to average assets | 2.0983% | 5,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3407% | 5,354 |
| Return on assets (ROA) | 0.3407% | 5,409 |
| Pretax return on assets | 0.4573% | 5,292 |
| Return on Equity (ROE) | 4.2399% | 4,911 |
| Retained earnings to average equity (ytd only) | 4.2399% | 3,588 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1053% | 1,917 |
| Assets per employee ($millions) | 4.2146% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5799% | 6,432 |
| Loan loss allowance to noncurrent loans | 202.8986% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 5,796 |
| Noncurrent loans to loans | 0.2858% | 5,254 |
| Net loans and leases to total assets | 51.7698% | 4,698 |
| Net loans and leases to deposits | 56.2954% | 5,091 |
| Net loans and leases to core deposits | 61.2614% | 4,942 |
| Total domestic deposits to total assets | 91.9609% | 248 |
| Equity capital to assets | 7.7975% | 6,175 |
| Core capital (leverage) ratio | 8.1370% | 6,007 |
| Tier 1 risk-based capital ratio | 18.1701% | 2,223 |
| Total risk-based capital ratio | 18.8618% | 2,413 |
| Memoranda: | ||
| Average total assets | $44,608,000 | 6,099 |
| Average earning assets | $42,544,000 | 6,043 |
| Average equity | $3,585,000 | 6,328 |
| Average total loans | $24,071,000 | 5,979 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3648% | 5,903 |
| Cost of funding earning assets | 0.6436% | 2,259 |
| Net interest margin | 2.7212% | 6,111 |
| Noninterest income to average assets | 0.1284% | 6,286 |
| Noninterest expense to average assets | 2.2146% | 5,592 |
| Loan and lease loss provision to assets | 0.0138% | 4,849 |
| Net operating income to assets | 0.3668% | 5,273 |
| Return on assets (ROA) | 0.3668% | 5,387 |
| Pretax return on assets | 0.4883% | 5,234 |
| Return on Equity (ROE) | 4.5424% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.5424% | 2,931 |
| Net charge-offs to loans | 0.0041% | 5,398 |
| Credit loss provision to net charge-offs | 600.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 219.0000% | 206 |
| Efficiency ratio | 81.5190% | 1,944 |
| Assets per employee ($millions) | 3.8959% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5833% | 6,496 |
| Loan loss allowance to noncurrent loans | 205.8824% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 5,842 |
| Noncurrent loans to loans | 0.2833% | 5,336 |
| Net loans and leases to total assets | 55.6785% | 4,364 |
| Net loans and leases to deposits | 60.8559% | 4,850 |
| Net loans and leases to core deposits | 64.0151% | 4,867 |
| Total domestic deposits to total assets | 91.4922% | 405 |
| Equity capital to assets | 8.2954% | 5,779 |
| Core capital (leverage) ratio | 8.2459% | 5,929 |
| Tier 1 risk-based capital ratio | 18.6644% | 2,025 |
| Total risk-based capital ratio | 19.3825% | 2,168 |
| Memoranda: | ||
| Average total assets | $43,619,400 | 6,184 |
| Average earning assets | $41,488,400 | 6,126 |
| Average equity | $3,522,400 | 6,428 |
| Average total loans | $24,099,400 | 6,026 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3822% | 5,920 |
| Cost of funding earning assets | 0.6528% | 2,340 |
| Net interest margin | 2.7294% | 6,120 |
| Noninterest income to average assets | 0.1278% | 6,380 |
| Noninterest expense to average assets | 2.1060% | 5,816 |
| Loan and lease loss provision to assets | 0.0183% | 4,654 |
| Net operating income to assets | 0.4504% | 5,027 |
| Return on assets (ROA) | 0.4504% | 5,162 |
| Pretax return on assets | 0.5995% | 5,009 |
| Return on Equity (ROE) | 5.6151% | 4,400 |
| Retained earnings to average equity (ytd only) | 5.6151% | 2,650 |
| Net charge-offs to loans | 0.0055% | 5,074 |
| Credit loss provision to net charge-offs | 600.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 203.5038% | 284 |
| Efficiency ratio | 77.3184% | 2,510 |
| Assets per employee ($millions) | 4.0638% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5907% | 6,571 |
| Loan loss allowance to noncurrent loans | 170.7317% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 5,889 |
| Noncurrent loans to loans | 0.3460% | 5,345 |
| Net loans and leases to total assets | 52.7068% | 4,792 |
| Net loans and leases to deposits | 57.3805% | 5,245 |
| Net loans and leases to core deposits | 62.1826% | 5,100 |
| Total domestic deposits to total assets | 91.8550% | 268 |
| Equity capital to assets | 7.9370% | 6,188 |
| Core capital (leverage) ratio | 8.1130% | 6,141 |
| Tier 1 risk-based capital ratio | 18.3071% | 2,212 |
| Total risk-based capital ratio | 19.0137% | 2,384 |
| Memoranda: | ||
| Average total assets | $43,810,500 | 6,248 |
| Average earning assets | $41,667,750 | 6,190 |
| Average equity | $3,514,250 | 6,505 |
| Average total loans | $24,124,000 | 6,086 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4338% | 5,832 |
| Cost of funding earning assets | 0.6577% | 2,432 |
| Net interest margin | 2.7761% | 6,052 |
| Noninterest income to average assets | 0.1379% | 6,364 |
| Noninterest expense to average assets | 2.1281% | 5,803 |
| Loan and lease loss provision to assets | 0.0184% | 4,525 |
| Net operating income to assets | 0.4550% | 4,994 |
| Return on assets (ROA) | 0.4550% | 5,165 |
| Pretax return on assets | 0.6297% | 4,914 |
| Return on Equity (ROE) | 5.6523% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.6523% | 2,641 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6556% | 2,689 |
| Assets per employee ($millions) | 3.9825% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5863% | 6,631 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 6,500 |
| Noncurrent loans to loans | 0.0293% | 6,322 |
| Net loans and leases to total assets | 54.1842% | 4,566 |
| Net loans and leases to deposits | 59.0208% | 5,069 |
| Net loans and leases to core deposits | 62.8096% | 5,029 |
| Total domestic deposits to total assets | 91.8051% | 291 |
| Equity capital to assets | 7.9894% | 6,204 |
| Core capital (leverage) ratio | 8.0459% | 6,150 |
| Tier 1 risk-based capital ratio | 18.2831% | 2,218 |
| Total risk-based capital ratio | 18.9985% | 2,382 |
| Memoranda: | ||
| Average total assets | $43,513,330 | 6,300 |
| Average earning assets | $41,353,670 | 6,244 |
| Average equity | $3,503,000 | 6,561 |
| Average total loans | $24,265,000 | 6,107 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4765% | 5,767 |
| Cost of funding earning assets | 0.6701% | 2,480 |
| Net interest margin | 2.8065% | 6,019 |
| Noninterest income to average assets | 0.1384% | 6,409 |
| Noninterest expense to average assets | 2.1215% | 5,862 |
| Loan and lease loss provision to assets | 0.0092% | 4,340 |
| Net operating income to assets | 0.4704% | 4,818 |
| Return on assets (ROA) | 0.4704% | 4,983 |
| Pretax return on assets | 0.6733% | 4,691 |
| Return on Equity (ROE) | 5.8211% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.8211% | 2,767 |
| Net charge-offs to loans | -0.0164% | 5,626 |
| Credit loss provision to net charge-offs | -100.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6579% | 2,983 |
| Assets per employee ($millions) | 4.0125% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5795% | 6,730 |
| Loan loss allowance to noncurrent loans | 1,957.1429% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 6,569 |
| Noncurrent loans to loans | 0.0296% | 6,406 |
| Net loans and leases to total assets | 53.2569% | 4,521 |
| Net loans and leases to deposits | 58.0452% | 5,024 |
| Net loans and leases to core deposits | 61.1228% | 5,042 |
| Total domestic deposits to total assets | 91.7507% | 297 |
| Equity capital to assets | 7.9910% | 6,381 |
| Core capital (leverage) ratio | 8.0752% | 6,077 |
| Tier 1 risk-based capital ratio | 17.9197% | 2,401 |
| Total risk-based capital ratio | 18.6050% | 2,587 |
| Memoranda: | ||
| Average total assets | $43,366,000 | 6,366 |
| Average earning assets | $41,190,500 | 6,304 |
| Average equity | $3,504,500 | 6,626 |
| Average total loans | $24,459,000 | 6,151 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8263% | 5,763 |
| Cost of funding earning assets | 0.8276% | 2,440 |
| Net interest margin | 2.9988% | 6,055 |
| Noninterest income to average assets | 0.1368% | 6,356 |
| Noninterest expense to average assets | 2.1326% | 6,058 |
| Loan and lease loss provision to assets | 0.0637% | 4,965 |
| Net operating income to assets | 0.5355% | 4,540 |
| Return on assets (ROA) | 0.5355% | 4,802 |
| Pretax return on assets | 0.7785% | 4,373 |
| Return on Equity (ROE) | 6.7168% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.7168% | 1,708 |
| Net charge-offs to loans | 0.0082% | 5,834 |
| Credit loss provision to net charge-offs | 1,350.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 178.5000% | 233 |
| Efficiency ratio | 71.6891% | 3,475 |
| Assets per employee ($millions) | 3.8723% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5341% | 6,814 |
| Loan loss allowance to noncurrent loans | 1,928.5714% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 6,635 |
| Noncurrent loans to loans | 0.0277% | 6,451 |
| Net loans and leases to total assets | 59.0210% | 3,792 |
| Net loans and leases to deposits | 64.4219% | 4,488 |
| Net loans and leases to core deposits | 67.3201% | 4,611 |
| Total domestic deposits to total assets | 91.6164% | 316 |
| Equity capital to assets | 8.1747% | 6,302 |
| Core capital (leverage) ratio | 8.0813% | 6,112 |
| Tier 1 risk-based capital ratio | 17.0447% | 2,632 |
| Total risk-based capital ratio | 17.7061% | 2,884 |
| Memoranda: | ||
| Average total assets | $42,388,800 | 6,417 |
| Average earning assets | $40,116,600 | 6,359 |
| Average equity | $3,379,600 | 6,714 |
| Average total loans | $24,431,200 | 6,224 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8393% | 5,928 |
| Cost of funding earning assets | 0.8458% | 2,580 |
| Net interest margin | 2.9936% | 6,182 |
| Noninterest income to average assets | 0.1354% | 6,465 |
| Noninterest expense to average assets | 2.0376% | 6,295 |
| Loan and lease loss provision to assets | 0.0693% | 4,812 |
| Net operating income to assets | 0.5921% | 4,428 |
| Return on assets (ROA) | 0.5921% | 4,693 |
| Pretax return on assets | 0.8597% | 4,264 |
| Return on Equity (ROE) | 7.4735% | 3,542 |
| Retained earnings to average equity (ytd only) | 7.4735% | 1,864 |
| Net charge-offs to loans | 0.0110% | 5,556 |
| Credit loss provision to net charge-offs | 1,100.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 147.3109% | 300 |
| Efficiency ratio | 68.6837% | 3,933 |
| Assets per employee ($millions) | 3.9555% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5427% | 6,928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 54.7529% | 4,629 |
| Net loans and leases to deposits | 59.6425% | 5,246 |
| Net loans and leases to core deposits | 64.2545% | 5,124 |
| Total domestic deposits to total assets | 91.8019% | 232 |
| Equity capital to assets | 7.9246% | 6,627 |
| Core capital (leverage) ratio | 8.1308% | 6,207 |
| Tier 1 risk-based capital ratio | 16.9902% | 2,733 |
| Total risk-based capital ratio | 17.6322% | 3,036 |
| Memoranda: | ||
| Average total assets | $42,337,250 | 6,492 |
| Average earning assets | $40,040,750 | 6,437 |
| Average equity | $3,354,000 | 6,805 |
| Average total loans | $24,220,250 | 6,317 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 5,948 |
| Cost of funding earning assets | 0.8676% | 2,673 |
| Net interest margin | 3.0164% | 6,209 |
| Noninterest income to average assets | 0.1240% | 6,564 |
| Noninterest expense to average assets | 2.0788% | 6,263 |
| Loan and lease loss provision to assets | 0.0572% | 4,946 |
| Net operating income to assets | 0.6008% | 4,364 |
| Return on assets (ROA) | 0.6008% | 4,618 |
| Pretax return on assets | 0.8392% | 4,316 |
| Return on Equity (ROE) | 7.5843% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.5843% | 1,824 |
| Net charge-offs to loans | 0.0165% | 5,186 |
| Credit loss provision to net charge-offs | 600.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 454 |
| Efficiency ratio | 69.8718% | 3,787 |
| Assets per employee ($millions) | 3.8396% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4990% | 7,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 56.6531% | 4,371 |
| Net loans and leases to deposits | 61.7561% | 5,031 |
| Net loans and leases to core deposits | 66.1068% | 4,991 |
| Total domestic deposits to total assets | 91.7369% | 272 |
| Equity capital to assets | 8.0145% | 6,560 |
| Core capital (leverage) ratio | 7.9368% | 6,333 |
| Tier 1 risk-based capital ratio | 16.8068% | 2,756 |
| Total risk-based capital ratio | 17.4039% | 3,055 |
| Memoranda: | ||
| Average total assets | $41,946,330 | 6,549 |
| Average earning assets | $39,649,330 | 6,488 |
| Average equity | $3,322,670 | 6,849 |
| Average total loans | $24,309,330 | 6,351 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9365% | 5,930 |
| Cost of funding earning assets | 0.9006% | 2,687 |
| Net interest margin | 3.0358% | 6,220 |
| Noninterest income to average assets | 0.1244% | 6,633 |
| Noninterest expense to average assets | 2.1626% | 6,128 |
| Loan and lease loss provision to assets | 0.0287% | 5,005 |
| Net operating income to assets | 0.5454% | 4,619 |
| Return on assets (ROA) | 0.5454% | 4,830 |
| Pretax return on assets | 0.8038% | 4,400 |
| Return on Equity (ROE) | 6.9269% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.9269% | 2,472 |
| Net charge-offs to loans | 0.0982% | 3,550 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,467 |
| Efficiency ratio | 72.2045% | 3,403 |
| Assets per employee ($millions) | 3.6147% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4438% | 7,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 55.3371% | 4,502 |
| Net loans and leases to deposits | 60.1534% | 5,124 |
| Net loans and leases to core deposits | 65.6609% | 4,954 |
| Total domestic deposits to total assets | 91.9933% | 255 |
| Equity capital to assets | 7.6448% | 6,716 |
| Core capital (leverage) ratio | 7.8531% | 6,372 |
| Tier 1 risk-based capital ratio | 16.2421% | 3,047 |
| Total risk-based capital ratio | 16.7673% | 3,415 |
| Memoranda: | ||
| Average total assets | $41,801,500 | 6,612 |
| Average earning assets | $39,528,000 | 6,543 |
| Average equity | $3,291,500 | 6,899 |
| Average total loans | $24,440,000 | 6,399 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 5,907 |
| Cost of funding earning assets | 1.1038% | 2,646 |
| Net interest margin | 3.1495% | 6,216 |
| Noninterest income to average assets | 0.1472% | 6,413 |
| Noninterest expense to average assets | 2.3344% | 5,963 |
| Loan and lease loss provision to assets | 0.0558% | 5,899 |
| Net operating income to assets | 0.4948% | 4,445 |
| Return on assets (ROA) | 0.4948% | 4,657 |
| Pretax return on assets | 0.7181% | 4,258 |
| Return on Equity (ROE) | 6.1615% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.1615% | 1,922 |
| Net charge-offs to loans | 0.0912% | 5,428 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 13.8636% | 1,510 |
| Efficiency ratio | 75.1020% | 3,046 |
| Assets per employee ($millions) | 3.3523% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4441% | 7,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 61.3021% | 3,726 |
| Net loans and leases to deposits | 66.9599% | 4,587 |
| Net loans and leases to core deposits | 72.3676% | 4,459 |
| Total domestic deposits to total assets | 91.5505% | 320 |
| Equity capital to assets | 8.1214% | 6,499 |
| Core capital (leverage) ratio | 8.1211% | 6,116 |
| Tier 1 risk-based capital ratio | 16.2186% | 2,949 |
| Total risk-based capital ratio | 16.7672% | 3,261 |
| Memoranda: | ||
| Average total assets | $39,411,200 | 6,696 |
| Average earning assets | $37,053,600 | 6,640 |
| Average equity | $3,164,800 | 6,977 |
| Average total loans | $24,123,000 | 6,460 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2646% | 6,046 |
| Cost of funding earning assets | 1.1440% | 2,669 |
| Net interest margin | 3.1206% | 6,356 |
| Noninterest income to average assets | 0.1496% | 6,511 |
| Noninterest expense to average assets | 2.2886% | 6,066 |
| Loan and lease loss provision to assets | 0.0748% | 5,516 |
| Net operating income to assets | 0.5305% | 4,405 |
| Return on assets (ROA) | 0.5305% | 4,594 |
| Pretax return on assets | 0.7175% | 4,408 |
| Return on Equity (ROE) | 6.6255% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.6255% | 2,182 |
| Net charge-offs to loans | 0.1057% | 4,946 |
| Credit loss provision to net charge-offs | 115.7895% | 2,822 |
| Earnings coverage of net charge-offs (x) | 12.2645% | 1,724 |
| Efficiency ratio | 74.2826% | 3,128 |
| Assets per employee ($millions) | 3.2842% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4526% | 7,193 |
| Loan loss allowance to noncurrent loans | 664.7059% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 6,942 |
| Noncurrent loans to loans | 0.0681% | 6,759 |
| Net loans and leases to total assets | 63.0677% | 3,497 |
| Net loans and leases to deposits | 68.9612% | 4,454 |
| Net loans and leases to core deposits | 75.1179% | 4,311 |
| Total domestic deposits to total assets | 91.4539% | 308 |
| Equity capital to assets | 8.1984% | 6,567 |
| Core capital (leverage) ratio | 8.0796% | 6,310 |
| Tier 1 risk-based capital ratio | 15.6426% | 3,315 |
| Total risk-based capital ratio | 16.1928% | 3,668 |
| Memoranda: | ||
| Average total assets | $39,207,250 | 6,762 |
| Average earning assets | $36,829,250 | 6,706 |
| Average equity | $3,139,250 | 7,038 |
| Average total loans | $23,961,250 | 6,534 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 6,233 |
| Cost of funding earning assets | 1.1807% | 2,704 |
| Net interest margin | 3.0416% | 6,517 |
| Noninterest income to average assets | 0.1482% | 6,587 |
| Noninterest expense to average assets | 2.3557% | 5,976 |
| Loan and lease loss provision to assets | 0.0562% | 5,615 |
| Net operating income to assets | 0.4497% | 4,724 |
| Return on assets (ROA) | 0.4497% | 4,861 |
| Pretax return on assets | 0.5927% | 4,759 |
| Return on Equity (ROE) | 5.6616% | 4,133 |
| Retained earnings to average equity (ytd only) | 5.6616% | 2,615 |
| Net charge-offs to loans | 0.0847% | 4,792 |
| Credit loss provision to net charge-offs | 110.0000% | 2,790 |
| Earnings coverage of net charge-offs (x) | 12.7000% | 1,606 |
| Efficiency ratio | 78.4014% | 2,646 |
| Assets per employee ($millions) | 3.5986% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4646% | 7,247 |
| Loan loss allowance to noncurrent loans | 411.1111% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 6,931 |
| Noncurrent loans to loans | 0.1130% | 6,695 |
| Net loans and leases to total assets | 60.0733% | 4,258 |
| Net loans and leases to deposits | 65.5114% | 5,071 |
| Net loans and leases to core deposits | 71.5166% | 4,884 |
| Total domestic deposits to total assets | 91.6989% | 300 |
| Equity capital to assets | 7.9879% | 6,691 |
| Core capital (leverage) ratio | 7.8560% | 6,453 |
| Tier 1 risk-based capital ratio | 15.8072% | 3,077 |
| Total risk-based capital ratio | 16.3651% | 3,406 |
| Memoranda: | ||
| Average total assets | $39,139,670 | 6,819 |
| Average earning assets | $36,756,670 | 6,769 |
| Average equity | $3,108,670 | 7,101 |
| Average total loans | $23,625,670 | 6,611 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 6,293 |
| Cost of funding earning assets | 1.2156% | 2,712 |
| Net interest margin | 2.9787% | 6,614 |
| Noninterest income to average assets | 0.1542% | 6,615 |
| Noninterest expense to average assets | 2.4565% | 5,719 |
| Loan and lease loss provision to assets | 0.0411% | 5,476 |
| Net operating income to assets | 0.3186% | 5,315 |
| Return on assets (ROA) | 0.3186% | 5,395 |
| Pretax return on assets | 0.4522% | 5,177 |
| Return on Equity (ROE) | 4.0234% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.0234% | 3,756 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2753% | 2,045 |
| Assets per employee ($millions) | 3.6240% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4836% | 7,294 |
| Loan loss allowance to noncurrent loans | 61.9565% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 6,066 |
| Noncurrent loans to loans | 0.7806% | 5,476 |
| Net loans and leases to total assets | 58.8476% | 4,489 |
| Net loans and leases to deposits | 64.0484% | 5,247 |
| Net loans and leases to core deposits | 70.3545% | 5,000 |
| Total domestic deposits to total assets | 91.8799% | 320 |
| Equity capital to assets | 7.7664% | 6,700 |
| Core capital (leverage) ratio | 7.8880% | 6,380 |
| Tier 1 risk-based capital ratio | 16.3473% | 2,731 |
| Total risk-based capital ratio | 16.9508% | 3,013 |
| Memoranda: | ||
| Average total assets | $38,917,000 | 6,872 |
| Average earning assets | $36,526,500 | 6,826 |
| Average equity | $3,082,000 | 7,145 |
| Average total loans | $23,493,000 | 6,669 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5602% | 6,218 |
| Cost of funding earning assets | 1.5318% | 2,468 |
| Net interest margin | 3.0284% | 6,683 |
| Noninterest income to average assets | 0.3888% | 4,986 |
| Noninterest expense to average assets | 2.3107% | 6,326 |
| Loan and lease loss provision to assets | 0.0137% | 6,962 |
| Net operating income to assets | 0.6023% | 3,654 |
| Return on assets (ROA) | 0.6023% | 3,823 |
| Pretax return on assets | 0.8898% | 3,334 |
| Return on Equity (ROE) | 7.3529% | 2,947 |
| Retained earnings to average equity (ytd only) | 7.3529% | 1,190 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8910% | 3,812 |
| Assets per employee ($millions) | 3.4518% | 5,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4698% | 7,384 |
| Loan loss allowance to noncurrent loans | 578.9474% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 7,109 |
| Noncurrent loans to loans | 0.0812% | 6,929 |
| Net loans and leases to total assets | 61.3721% | 4,426 |
| Net loans and leases to deposits | 67.0108% | 5,254 |
| Net loans and leases to core deposits | 71.6134% | 5,248 |
| Total domestic deposits to total assets | 91.5855% | 380 |
| Equity capital to assets | 8.0801% | 6,405 |
| Core capital (leverage) ratio | 8.1305% | 5,944 |
| Tier 1 risk-based capital ratio | 16.5279% | 2,510 |
| Total risk-based capital ratio | 17.1226% | 2,767 |
| Memoranda: | ||
| Average total assets | $36,525,400 | 6,990 |
| Average earning assets | $34,077,800 | 6,942 |
| Average equity | $2,992,000 | 7,280 |
| Average total loans | $23,044,800 | 6,775 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5979% | 6,338 |
| Cost of funding earning assets | 1.5853% | 2,472 |
| Net interest margin | 3.0126% | 6,805 |
| Noninterest income to average assets | 0.4756% | 4,372 |
| Noninterest expense to average assets | 2.2305% | 6,520 |
| Loan and lease loss provision to assets | 0.0147% | 6,895 |
| Net operating income to assets | 0.7447% | 3,228 |
| Return on assets (ROA) | 0.7447% | 3,391 |
| Pretax return on assets | 1.0397% | 3,029 |
| Return on Equity (ROE) | 9.0592% | 2,472 |
| Retained earnings to average equity (ytd only) | 9.0592% | 1,040 |
| Net charge-offs to loans | -0.0058% | 7,222 |
| Credit loss provision to net charge-offs | -400.0000% | 6,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9012% | 4,481 |
| Assets per employee ($millions) | 3.3852% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4691% | 7,483 |
| Loan loss allowance to noncurrent loans | 239.1304% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 7,050 |
| Noncurrent loans to loans | 0.1962% | 6,787 |
| Net loans and leases to total assets | 62.6823% | 4,388 |
| Net loans and leases to deposits | 68.5552% | 5,341 |
| Net loans and leases to core deposits | 73.9037% | 5,304 |
| Total domestic deposits to total assets | 91.4333% | 323 |
| Equity capital to assets | 8.2203% | 6,593 |
| Core capital (leverage) ratio | 8.1111% | 6,181 |
| Tier 1 risk-based capital ratio | 16.3677% | 2,609 |
| Total risk-based capital ratio | 16.9602% | 2,861 |
| Memoranda: | ||
| Average total assets | $36,164,250 | 7,089 |
| Average earning assets | $33,724,500 | 7,036 |
| Average equity | $2,973,000 | 7,378 |
| Average total loans | $22,952,750 | 6,863 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 6,549 |
| Cost of funding earning assets | 1.6116% | 2,592 |
| Net interest margin | 2.9536% | 6,931 |
| Noninterest income to average assets | 0.6423% | 3,050 |
| Noninterest expense to average assets | 2.1672% | 6,725 |
| Loan and lease loss provision to assets | 0.0168% | 6,754 |
| Net operating income to assets | 0.9049% | 2,541 |
| Return on assets (ROA) | 0.9049% | 2,651 |
| Pretax return on assets | 1.2121% | 2,372 |
| Return on Equity (ROE) | 11.0067% | 1,755 |
| Retained earnings to average equity (ytd only) | 11.0067% | 658 |
| Net charge-offs to loans | 0.0088% | 6,232 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 155 |
| Efficiency ratio | 63.8158% | 5,369 |
| Assets per employee ($millions) | 3.3957% | 5,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4624% | 7,547 |
| Loan loss allowance to noncurrent loans | 411.5385% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 7,219 |
| Noncurrent loans to loans | 0.1124% | 7,042 |
| Net loans and leases to total assets | 61.6604% | 4,745 |
| Net loans and leases to deposits | 67.3450% | 5,635 |
| Net loans and leases to core deposits | 72.6172% | 5,608 |
| Total domestic deposits to total assets | 91.5589% | 318 |
| Equity capital to assets | 8.0850% | 6,669 |
| Core capital (leverage) ratio | 8.1837% | 5,969 |
| Tier 1 risk-based capital ratio | 16.2468% | 2,575 |
| Total risk-based capital ratio | 16.8265% | 2,827 |
| Memoranda: | ||
| Average total assets | $35,806,670 | 7,149 |
| Average earning assets | $33,383,000 | 7,099 |
| Average equity | $2,943,670 | 7,432 |
| Average total loans | $22,786,670 | 6,921 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6106% | 6,530 |
| Cost of funding earning assets | 1.6510% | 2,644 |
| Net interest margin | 2.9596% | 6,921 |
| Noninterest income to average assets | 1.1189% | 1,000 |
| Noninterest expense to average assets | 2.2835% | 6,429 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1418% | 1,697 |
| Return on assets (ROA) | 1.1418% | 1,776 |
| Pretax return on assets | 1.5985% | 1,270 |
| Return on Equity (ROE) | 13.7670% | 1,095 |
| Retained earnings to average equity (ytd only) | 13.7670% | 534 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8235% | 6,362 |
| Assets per employee ($millions) | 3.5454% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4585% | 7,627 |
| Loan loss allowance to noncurrent loans | 388.8889% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 7,301 |
| Noncurrent loans to loans | 0.1179% | 7,113 |
| Net loans and leases to total assets | 64.3002% | 4,262 |
| Net loans and leases to deposits | 70.5069% | 5,266 |
| Net loans and leases to core deposits | 75.0395% | 5,382 |
| Total domestic deposits to total assets | 91.1970% | 463 |
| Equity capital to assets | 8.3319% | 6,256 |
| Core capital (leverage) ratio | 8.4157% | 5,534 |
| Tier 1 risk-based capital ratio | 16.2661% | 2,534 |
| Total risk-based capital ratio | 16.8476% | 2,776 |
| Memoranda: | ||
| Average total assets | $35,033,500 | 7,268 |
| Average earning assets | $32,707,000 | 7,212 |
| Average equity | $2,905,500 | 7,522 |
| Average total loans | $22,610,500 | 7,014 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 6,589 |
| Cost of funding earning assets | 2.0969% | 2,473 |
| Net interest margin | 2.8503% | 6,963 |
| Noninterest income to average assets | 0.1975% | 6,681 |
| Noninterest expense to average assets | 2.6304% | 5,668 |
| Loan and lease loss provision to assets | 0.0209% | 7,293 |
| Net operating income to assets | 0.1436% | 5,069 |
| Return on assets (ROA) | 0.1436% | 5,138 |
| Pretax return on assets | 0.2065% | 4,992 |
| Return on Equity (ROE) | 1.6944% | 5,023 |
| Retained earnings to average equity (ytd only) | 1.6944% | 3,901 |
| Net charge-offs to loans | 0.0270% | 6,868 |
| Credit loss provision to net charge-offs | 116.6667% | 4,647 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 1,491 |
| Efficiency ratio | 92.0419% | 1,567 |
| Assets per employee ($millions) | 3.1466% | 5,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4705% | 7,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 64.1782% | 4,566 |
| Net loans and leases to deposits | 71.1326% | 5,450 |
| Net loans and leases to core deposits | 100.1127% | 3,985 |
| Total domestic deposits to total assets | 90.2233% | 866 |
| Equity capital to assets | 8.2541% | 6,268 |
| Core capital (leverage) ratio | 8.1959% | 5,817 |
| Tier 1 risk-based capital ratio | 16.0319% | 2,509 |
| Total risk-based capital ratio | 16.6252% | 2,725 |
| Memoranda: | ||
| Average total assets | $33,417,000 | 7,352 |
| Average earning assets | $31,189,200 | 7,301 |
| Average equity | $2,832,800 | 7,636 |
| Average total loans | $22,255,800 | 7,076 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 6,620 |
| Cost of funding earning assets | 2.1651% | 2,576 |
| Net interest margin | 2.8293% | 7,003 |
| Noninterest income to average assets | 0.2013% | 6,773 |
| Noninterest expense to average assets | 2.7296% | 5,196 |
| Loan and lease loss provision to assets | 0.0242% | 7,113 |
| Net operating income to assets | 0.0443% | 5,618 |
| Return on assets (ROA) | 0.0443% | 5,649 |
| Pretax return on assets | 0.0886% | 5,547 |
| Return on Equity (ROE) | 0.5190% | 5,638 |
| Retained earnings to average equity (ytd only) | 0.5190% | 4,993 |
| Net charge-offs to loans | 0.0060% | 6,877 |
| Credit loss provision to net charge-offs | 600.0000% | 636 |
| Earnings coverage of net charge-offs (x) | 28.0677% | 975 |
| Efficiency ratio | 96.0340% | 1,275 |
| Assets per employee ($millions) | 3.1155% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4900% | 7,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 64.5911% | 4,732 |
| Net loans and leases to deposits | 70.6791% | 5,828 |
| Net loans and leases to core deposits | 103.2222% | 4,035 |
| Total domestic deposits to total assets | 91.3863% | 281 |
| Equity capital to assets | 8.2460% | 6,572 |
| Core capital (leverage) ratio | 8.0772% | 6,226 |
| Tier 1 risk-based capital ratio | 16.7025% | 2,358 |
| Total risk-based capital ratio | 17.3529% | 2,527 |
| Memoranda: | ||
| Average total assets | $33,118,000 | 7,422 |
| Average earning assets | $30,913,750 | 7,373 |
| Average equity | $2,826,750 | 7,708 |
| Average total loans | $22,240,000 | 7,139 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0514% | 6,613 |
| Cost of funding earning assets | 2.1903% | 2,841 |
| Net interest margin | 2.8612% | 6,880 |
| Noninterest income to average assets | 0.2138% | 6,771 |
| Noninterest expense to average assets | 2.8717% | 4,623 |
| Loan and lease loss provision to assets | 0.0367% | 6,874 |
| Net operating income to assets | -0.1039% | 6,020 |
| Return on assets (ROA) | -0.1039% | 6,062 |
| Pretax return on assets | -0.0367% | 5,918 |
| Return on Equity (ROE) | -1.2027% | 6,100 |
| Retained earnings to average equity (ytd only) | -1.2027% | 5,536 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 1,175 |
| Assets per employee ($millions) | 3.1676% | 5,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5131% | 7,773 |
| Loan loss allowance to noncurrent loans | 46.2185% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6830% | 5,707 |
| Noncurrent loans to loans | 1.1101% | 4,998 |
| Net loans and leases to total assets | 61.2157% | 5,483 |
| Net loans and leases to deposits | 66.8589% | 6,313 |
| Net loans and leases to core deposits | 95.5046% | 4,960 |
| Total domestic deposits to total assets | 91.5595% | 306 |
| Equity capital to assets | 8.0358% | 6,710 |
| Core capital (leverage) ratio | 8.1536% | 6,071 |
| Tier 1 risk-based capital ratio | 16.8717% | 2,337 |
| Total risk-based capital ratio | 17.5414% | 2,467 |
| Memoranda: | ||
| Average total assets | $32,733,670 | 7,495 |
| Average earning assets | $30,407,330 | 7,467 |
| Average equity | $2,827,000 | 7,781 |
| Average total loans | $22,238,330 | 7,196 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2848% | 5,951 |
| Cost of funding earning assets | 2.2396% | 2,963 |
| Net interest margin | 3.0453% | 6,354 |
| Noninterest income to average assets | 0.1515% | 7,218 |
| Noninterest expense to average assets | 2.5633% | 5,595 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2904% | 5,333 |
| Return on assets (ROA) | 0.2904% | 5,501 |
| Pretax return on assets | 0.4041% | 5,387 |
| Return on Equity (ROE) | 3.2389% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.2389% | 4,072 |
| Net charge-offs to loans | 0.0177% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,010 |
| Efficiency ratio | 86.3830% | 2,029 |
| Assets per employee ($millions) | 2.9528% | 6,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4717% | 7,862 |
| Loan loss allowance to noncurrent loans | 1,485.7143% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 7,561 |
| Noncurrent loans to loans | 0.0317% | 7,460 |
| Net loans and leases to total assets | 67.5595% | 4,233 |
| Net loans and leases to deposits | 74.3991% | 5,433 |
| Net loans and leases to core deposits | 103.9507% | 4,145 |
| Total domestic deposits to total assets | 90.8069% | 475 |
| Equity capital to assets | 8.7744% | 5,659 |
| Core capital (leverage) ratio | 8.8185% | 4,950 |
| Tier 1 risk-based capital ratio | 17.3379% | 2,235 |
| Total risk-based capital ratio | 17.9794% | 2,362 |
| Memoranda: | ||
| Average total assets | $31,678,500 | 7,583 |
| Average earning assets | $29,291,500 | 7,551 |
| Average equity | $2,840,500 | 7,826 |
| Average total loans | $22,637,500 | 7,203 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7903% | 6,460 |
| Cost of funding earning assets | 2.7571% | 2,889 |
| Net interest margin | 3.0332% | 6,828 |
| Noninterest income to average assets | 0.1241% | 7,496 |
| Noninterest expense to average assets | 2.5965% | 5,669 |
| Loan and lease loss provision to assets | 0.0261% | 7,074 |
| Net operating income to assets | 0.2284% | 5,764 |
| Return on assets (ROA) | 0.2482% | 5,527 |
| Pretax return on assets | 0.3266% | 5,455 |
| Return on Equity (ROE) | 2.7518% | 5,323 |
| Retained earnings to average equity (ytd only) | 2.7518% | 3,467 |
| Net charge-offs to loans | -0.0265% | 7,956 |
| Credit loss provision to net charge-offs | -133.3333% | 7,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8268% | 1,604 |
| Assets per employee ($millions) | 2.8069% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4521% | 7,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 74.8866% | 2,902 |
| Net loans and leases to deposits | 82.8449% | 4,597 |
| Net loans and leases to core deposits | 113.5714% | 3,389 |
| Total domestic deposits to total assets | 90.3938% | 521 |
| Equity capital to assets | 9.1689% | 5,127 |
| Core capital (leverage) ratio | 9.0323% | 4,694 |
| Tier 1 risk-based capital ratio | 16.9781% | 2,318 |
| Total risk-based capital ratio | 17.6173% | 2,472 |
| Memoranda: | ||
| Average total assets | $30,617,800 | 7,618 |
| Average earning assets | $28,254,200 | 7,605 |
| Average equity | $2,761,800 | 7,911 |
| Average total loans | $22,622,000 | 7,158 |